64: Marriage and Money with Rachel Cruze

Money is one of the biggest sources of conflict in marriage — but it doesn't have to be. In this episode, Julie and David sit down with Rachel Cruze, two-time #1 national bestselling author, financial expert, and host of The Rachel Cruze Show, for an honest and insightful conversation about how money habits, money personalities, and money histories shape our most intimate relationships.

Rachel shares how growing up as Dave Ramsey's daughter — born just months before her parents filed bankruptcy — shaped her life's mission of helping people win with money before they hit rock bottom. Together, Julie, David, and Rachel dig into the real reasons couples fight about money, and what to do about it.

In this episode:

• The two most common money conflicts couples face — and how to navigate them
• Spenders vs. savers: how opposites can actually make each other stronger
• Why your "money story" from childhood may be running your finances today
• The shame and guilt cycle around money — and how to break it
• Why combining finances in marriage isn't about control, it's about intimacy
• The debt snowball method and zero-based budgeting explained
• Why both spouses need a seat at the financial table
• How tackling hard money conversations can actually deepen your relationship
• Julie and David's own debt story — and how Dave Ramsey's work changed their marriage
• Rachel's husband Winston, and how a spender married a saver (and made it work)
• Raising kids with a healthy money mindset in the age of Amazon and Apple Pay

Whether you're just starting out, merging finances later in life, or trying to get on the same page after years of conflict — this episode is packed with practical wisdom and real talk.

Connect with Rachel Cruze: Instagram: @rachelcruze Facebook: @rachelramseycruze The Rachel Cruze Show on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-rachel-cruze-show/id1447308241
Visit us at thebulitts.com

Julie is not your therapist and David is not your lawyer. This podcast is meant for educational and entertainment purposes only.