One of THE best things about podcasts is how we can instantly connect with wise teachers who change our lives for the better. And that’s 100% true for today’s guest, personal finance expert Rachel Cruze! For some of us, throwing around words like “budget” and “401k” is the verbal equivalent of sticking pencils in our eyeballs. But thankfully, Rachel doesn’t have that effect on us. In her podcast and web series, The Rachel Cruze Show, Rachel takes a warm, practical approach to money that makes it all so much more doable and manageable (after all, she’s had a lifetime of training, thanks to her dad Dave Ramsey!). Today Jen and Rachel talk about why sticking to a budget actually gives you freedom, the surprising secret to having more peace with your partner around finances, and how to teach your kids healthy money habits from an early age. As a self-admitted spender at heart, Rachel empowers us with tips and tools to help us remember that despite our feelings and past choices around money, it is always possible to make a change—because we are more than just our stuff.