Local speaker, author and financial expert Rachel Cruze will sign copies of her latest book, “Love Your Life, Not Theirs,” at 6 p.m. Wednesday, Oct. 5 at the offices of Ramsey Solutions on Mallory Lane in Cool Springs.
This will be the third stop on a promotional tour that begins today in New York City as the book is being released, and continues tomorrow in Charlotte, where Cruze will also participate in a “Smart Money” live event with her father, renowned financial expert Dave Ramsey.
Cruze was kind enough to answer some questions recently for Home Page readers, and give a glimpse into the content of “Love Your Life, Not Theirs,” published by Ramsey Press.
This is her second book, having co-written “Smart Money Smart Kids” with her dad.
She said she wrote that book, which deals with teaching children sound financial principles, “from the lens of the child who learned money principles from a young age and is now able to handle her money wisely as an adult.”
In her latest offering, she said she takes a slightly different approach, addressing “things I struggle with and sometimes still do,” and how she has implemented sound financial habits in her own life.
“No matter where you are financially you need to establish good, healthy money habits that will help you take control of your money and have long-term financial success,” Cruze said.
In the book, Cruze walks readers through seven essential money habits that can help change the way they think about money and allow them to live without being buried under the weight of debt, stress and worry, including steering clear of debt, making a plan for their money and talking about money (even when it’s hard).
She also provides practical tips for moving past the need to make comparisons with others (thus the name, “Love Your Life, Not Theirs”), which she said is “the most damaging money habit we have.”
Cruze said 20 years ago, “ ‘The Joneses’ had to live next door for you to compare yourselves to them,” but now “social media has made it easier than ever to compare our lives to others.”
“Comparisons not only steal our joy, but our paychecks,” she said.
According to Cruze, people end up spending too much money to keep up a lifestyle they think everyone is living and they are missing out on.
“When you quit the comparisons and reframe the way you think about money, you’re able to form these other money habits that will help you succeed financially,” she said.
Since writing “Smart Money Smart Kids,” Cruze has added another dimension to her already busy life of speaking, writing and traveling. She became a mom.
She and husband Winston are the proud parents of daughter Amelia, “who turned one year old this past April and has brought so much joy to our lives.”
Although Cruze readily admits to the challenges of being a working mom, she said “it also has its rewards,” and she is as committed as ever to spreading the word about sound money management. She has been doing that for six years now, having become a full-time member of the Ramsey Solutions team in 2010.
She said writing her first book with her dad “was an incredible experience,” one in which she learned the importance of connecting with her readers.
“I love what I do – speaking, writing and traveling the country – and I love hearing about the lives of those impacted by the lessons we teach on money and personal finance,” she said.
Travel sometimes includes her husband and daughter, and it is those trips Cruze especially enjoys.
When asked about his daughter’s first solo book, Ramsey, whose radio show (“The Dave Ramsey Show”) is broadcast to millions from studios inside the Ramsey Solutions offices, said “Rachel’s fresh style and perspective come through.”
Ramsey said “Love Your Life, Not Theirs” “will be popular with my listeners, but also will connect with Rachel’s generation.”
Although she enjoys the travel, Cruze is always glad to be home and is excited about signing copies of “Love Your Life, Not Theirs” for hometown readers. She hopes folks in the Nashville area will come meet her and get their own signed copy.
She promises a fun evening, with food, a deejay and a prize of $1,000.
That prize will no doubt come with an added bonus — immediate advice for its wise use.
Bob McKinney is a longtime Brentwood resident, husband of one, father of three and father-in-law of two. Email him at firstname.lastname@example.org.