This episode is sponsored by BetterHelp, Google Gemini, Nutrafol & Hiya. BetterHelp: Visit https://BetterHelp.com/unplannedpodcast today to get 10% off your first month. Google Gemini: Visit gemini.google/students to learn more and sign up. Terms apply. Nutrafol: Visit https://nutrafol.com and enter promo code UNPLANNEDPOD for $10 off any order and free shipping when you subscribe. Hiya: Go to https://hiyahealth.com/UNPLANNED and receive 50% off your first order. Rachel Cruze @RachelCruze, best-selling author and daughter of Dave Ramsey, joins Matt & Abby to spill money tips every couple needs to hear. From combining finances and crushing debt to car payments, renting, and teaching kids about money, this episode is packed with practical advice you can use today. Rachel's IG: https://www.instagram.com/rachelcruze/ Follow The Unplanned Podcast: https://www.instagram.com/unplanned__podcast/ https://www.tiktok.com/@unplanned_podcast Listen to the pod on Spotify/ Apple Podcasts: https://open.spotify.com/show/1ToDA4ufQuWuEgMq07zN6t https://podcasts.apple.com/us/podcast/the-unplanned-podcast/id1669604504 Follow Matt & Abby: Abby's Instagram | https://www.instagram.com/abbyelizabethoward/ Matt's Instagram | https://www.instagram.com/_matt_howard_/ TikTok | https://www.tiktok.com/@matt_and_abby Facebook | https://www.facebook.com/mattandabb YouTube | https://www.youtube.com/@MattandAbbyHoward Chapters: 00:00 - Rachel Cruze 02:27 - How Dave Ramsey raised his kids 04:47 - What it's like to have Dave Ramsey as a father 06:40 - Asking my husband to get rid of his credit card 11:56 - Why married couples should combine finances 15:47 - Why married couples shouldn't combine finances 17:30 - What you should do if your spouses spending is out of control 22:51 - The number one thing keeping you broke 26:16 - The car payment trap explained 40:49 - How to have a money conversation with your kid 45:52 - How Dave Ramsey recommends you buy a house 49:08 - Why you shouldn't rent a home 53:38 - Why Dave Ramsey's formula to getting rich works #unplannedpodcast #mattandabby