If you don't recognize the name Rachel Cruze, you'll likely recognize the name of her dad: Dave Ramsey. She now serves as a Ramsey Personality and uses her knowledge and experience from growing up as Dave’s daughter to educate others. We were so excited to sit down with Rachel at the Nashville Business Boutique and chat with her. We loved what she had to say, and know you will too! On The Podcast 00:25 - Rachel's New Book 01:43 - Mommy Guilt 05:43 - Comparison & Growing A Business 09:17 - Identifying Business Priorities with Money 11:46 - Growing Up As Dave Ramsey's Child 14:15 - Allowing Your Kids To Fail 15:22 - Rachel's Business Insecurities 19:18 - Rachel's Adorable Mom Moment Rachel's New Book As Rachel traveled the country and talked to people about personal finance, she began to notice really similar themes bubble up. That common theme is this: more than ever we're letting other people's lives and lifestyles determine how we spend our money. Comparison is so integrated into our lives, particularly due to social media, that we can't seem to escape it. Rachel began to realize if we could beat down the comparison trap, fight through it, and put good money habits in place, we could live the lives we want and not what's being dictated to us by culture. We often think women, in particular, have a unique struggle when it comes to comparing themselves to others. But Rachel says she has heard from 56-year-old men who battle the comparison trap! The bottom line is we ALL compare! It may look different, but we all do it. Mommy Guilt We carry a lot of guilt and shame as women. Of course, we all know about the Mommy Guilt! How you're mothering, what you choose to do or not do...it's crazy what allow to bring us guilt! So maybe women do carry that weight a bit more than our male counterparts. (Ugh! Don't you hate it!?) So, does Rachel Cruze struggle with Mommy Guilt? Yes! And it blew her away. She says when she and her husband announced to a friend their pregnancy, the friend's first words to her were, "Welcome to the world of comparisons." "REALLY!?" Rachel thought. Then the comparison game started: "Are you feeling sick? If you're sick, did you get *sick* sick?" She thought it was so silly that women even compared morning sickness to each other! (And when you think about it, it is pretty ridiculous.) But, yes, even Rachel Cruze struggles with Mommy Guilt, particularly that nagging question, "Am I doing this right?   Within her close circle of friends, most of Rachel's girl friends are stay-at-home moms, so she does feel the tug of being a working mom. But here's something we loved that Rachel said: when she's with Amelia (her daughter), she's Mom. And she tries so hard to not look at the phone or social media during those moments. As a result, the times she spends with her daughter are very rich because she works hard to be there. And, speaking of comparison. Rachel has really keyed in on the phrase 'to each her own' (We love that!).  She has come to the place that she respects what others do differently, and doesn't focus on the things that don't matter. We think it's pretty awesome that little Amelia will get to grow up and see her mom doing what she loves! Working moms, you're a role model to your children, stepping into your God-given talents to conquer fears and doing what you feel passionately about. Comparison & Growing A Business What would Rachel say to the woman who feels like she needs to take on debt to get ahead? It's simple: Taking on Debt = Taking on Risk Stress levels go through the roof when you've got a debt payment looming, and you don't know if you can make the payments. People often don't account for that level of risk when they take on debt. While this principle applies to businesses of any size, it's especially true for start-ups. You've got to run your business at the speed of cash. Even at Rachel's multi-million dollar business (Ramsey Solutions), if they don't have the cash - they don't make the purchase.