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Rachel Cruze

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Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want Kindle Edition

by Rachel Cruze (Author), Dave Ramsey (Foreword) Format: Kindle Edition

4.6 1,909 ratings

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In Love Your Life, Not Theirs, Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others. Then she unpacks seven essential money habits for living the life we really want--a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry.
The Joneses are broke.
Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they're trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses?
Are we really living the lives we want, or are we chasing someone else's dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family's finances?
In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you--the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving.
These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you've always dreamed of without creating the debt, stress, and worry that are all too often part of the deal.
Social media isn't real life, and trying to keep up with the Joneses will never get you anywhere. It's time to live--and love--your life, not theirs.

I've never read a book about money that takes this approach--and that's a good thing! Comparison has a way of weaving itself throughout all aspects of our lives, including our money. In Love Your Life, Not Theirs, Rachel Cruze outlines the seven money habits that really matter--and they have nothing to do with keeping up with the Joneses!
Candace Cameron-Bure
Actress, author, and co-host of The View

Love Your Life, Not Theirs is full of the kind of practical, straightforward advice we've come to expect from Rachel Cruze. She offers guidance on paying down debt, smart saving, and the right way to talk to your spouse about money. These indispensable tips can help with day-to-day spending decisions and put you on a path to establishing healthy financial habits.
Susan Spencer
Editor-in-Chief for Woman's Day

Cruze's self-deprecating and honest voice is a great resource for anyone wanting to take charge of their money. With humor and approachability, she helps her readers set themselves up for success and happiness, no matter what current financial state they may be in.
Kimberly Williams-Paisley
New York Times best-selling author of Where the Light Gets In

In today's world of social media, the temptation to play the comparison game is stronger than ever. Love Your Life, Not Theirs is the perfect reminder that, when it comes to money, comparison is a game you can't win. A terrific--and much needed--read.
Jean Chatzky
Financial Editor, NBC TODAY and Host of HerMoney with Jean Chatzky Podcast

Editorial Reviews

About the Author

As a #1 New York Times best-selling author and seasoned communicator, Rachel Cruze helps Americans learn the proper ways to handle money and stay out of debt. She’s authored three best-selling books, including Love Your Life, Not Theirs and Smart Money Smart Kids. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others. You can follow Cruze on Twitter and Instagram at @RachelCruze and online at rachelcruze.com, youtube.com/rachelcruze or facebook.com/rachelramseycruze.

Product details

ASIN ‏ : ‎ B01LXAJLW7
Publisher ‏ : ‎ Ramsey Press (October 3, 2016)
Publication date ‏ : ‎ October 3, 2016
Language ‏ : ‎ English
File size ‏ : ‎ 490 KB
Simultaneous device usage ‏ : ‎ Unlimited
Text-to-Speech ‏ : ‎ Enabled
Screen Reader ‏ : ‎ Supported
Enhanced typesetting ‏ : ‎ Enabled
X-Ray ‏ : ‎ Enabled
Word Wise ‏ : ‎ Enabled
Sticky notes ‏ : ‎ On Kindle Scribe
Print length ‏ : ‎ 183 pages

Best Sellers Rank: #215,076 in Kindle Store (See Top 100 in Kindle Store)
- #154 in Personal Money Management (Kindle Store)
- #765 in Budgeting & Money Management (Books)
- #1,685 in Business & Investing (Kindle Store)

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4.6 1,909 ratings

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Rachel Cruze

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Rachel Cruze is a two-time #1 national bestselling author, financial expert and host of The Rachel Cruze Show. Since 2010, Rachel has served at Ramsey Solutions, where she teaches people how to avoid debt, save money, budget, and win with money at any stage in life. She’s authored three bestselling books, including, Know Yourself, Know Your Money: Discover WHY You Handle Money the Way You Do, and WHAT to Do About It!

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4.6 out of 5

1,909 global ratings

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Corissa

Good!

Reviewed in the United States on April 5, 2024

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The media could not be loaded.

Haven’t read it yet but it came in good condition and can’t wait to read!

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Brison Shumpert

Thought-Provoking and Practical Read

Reviewed in the United States on January 30, 2021

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What I enjoyed most about _Love Your Life, Not Theirs_ was how thought provoking it was, causing the reader to think introspectively about why exactly(s)he feels compelled t make certain purchases/ live certain financial lifestyles. While "Why?" may seem like a rather trivial question, Rachel has made it clear through this book that everyone should inquire as to why they have come to value particular things and what cultural influences may be behind such desires. Only then can individuals begin to develop a financial destination specific to their personal goals, leading to a life of financial satisfaction as well as peace. Most importantly, though, Rachel has made it very clear that inn order to obtain such a life, one must evaluate the necessary tradeoffs.

I would suggest that anyone from teenagers to adults read this work, especially (millennial) couples considering marriage. Being a millennial myself, much of the life my generation has been sold as fulfilling has gone unchecked, leading most millennials to be dissatisfied with their rather reasonable progress in life. In other words, this book could very well be a means to helping the millennial generation to unlock the actual keys to financial success AS WELL AS genuine happiness in life. Ultimately, though, anyone from a teenager beyond can benefit from this book, which should be re-read frequently throughout one's life.

Rachel has written this book in a very relationship manner, inviting the reader into her personal battle to be intentional about the life she and her husband have decided upon rather than comparison living. In light of her style of writing, Rachel has made a generally vulnerable, uncomfortable subject more accessible and less stressful. Those things said, rating this book 5 stars was a no-brainer!

5 people found this helpful

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RHONDA

Good Tips / Audiobook Needs Better Editing

Reviewed in the United States on December 15, 2016

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I am not familiar with Dave Ramsey. I've seen him in commercials but have never read his books. Therefore, I think this book (I listened to the audiobook) has some very good tips. I really like the premise because I agree with the author that we're living in a time when we can easily become envious of other people as we scroll down Facebook or even gossip websites. If you're starting the journey to managing your money, this book will be a great way to get started. Having said that, here's a few things I didn't like.

1. The editing was terrible. There should be a rule that a speaker can't stop recording a session until they're done with a chapter. It was annoying to hear her voice suddenly boom or fade out in the middle of paragraphs (or sometimes even sentences.) Toward the end of the book I could hear her turn the page. That should not have been picked up.

2. I know the author can't help her voice but it's very high-pitched and squeaky. It can be grating if you're sensitive to this. On the flipside, you can tell Rachel is a naturally happy person and that came through on the recording. I was able to keep listening because it was clear she's passionate about her teachings and I tried to focus on the content, not the delivery.

3. She said the only budgeting website she recommends is everydollar.com. I immediately texted that site to several people and then I thought, "Wait. Who owns that site?" You guessed it -- her father. I have no issues at all with cross-selling your products. However, I think she should have mentioned that her father owns that site. Especially considering she plugged it several times.

4. Want to make this book really fun? Have a drink every time she says "Winston and I"...

This isn't a critique but...Rachel is very serious about her money. She won't give a dollar at the checkout line to the cashier when they're collecting for charities because she needs to research the charities first. Because she already has designated charities to which she donates -- she won't part with a dollar. This seems a bit above and beyond to me, but then again, she's rich and I'm not so hey...who am I to judge?

26 people found this helpful

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David Bernazzani

A Fresh Take - Rachel Emerges From the Shadow

Reviewed in the United States on October 8, 2016

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TL;DR: Tried and true concepts, fresh take and easily digestible. Highly recommended.

The book offers a fresh take on some of the core concepts taught by her father Dave Ramsey but with a focus on money habits. At the heart of the book is the message to "not keep up with the Jonses" which is especially difficult in this modern social-media driven world. It feels fresh and has some new ideas but at the core remains the stuff that works (would be somewhat strange for her to depart on that). I love Dave's advice but some people find him a bit too, um... blunt? sassy? And some find his religious and political leanings (which sometimes show in his writing and often show in his speaking) off-putting. I have no problem with either but Rachel is two notches down on sass and one notch down on religion. I didn't detect anything overtly political in the book at all. So the core concepts and the fresh take may be the most palatable presentation of the material to the widest audience yet.

The only criticism I have is that it felt a bit repetitive in spots. She even says in several passages "I know we've covered this before but...". I'm a fan of short and simple - 50 pages less and the book would have been really perfect.

I give the content, presentation and style a solid 4.5 (out of 5) stars and Rachel earns the round-up for providing so much awesome free content on her YouTube channel and other social media outlets. She has stood in the long shadow of her dad for some time - in recent years you can see her peek out and with this book I feel like she finally walks far enough ahead to begin casting her own shadow.

Note: I picked up the Kindle Version which is nicely formatted and was a pleasure to read. No obvious typos or other graphical glitches except the very top of each of the major chapter breaks was cropped (literally the word HABIT was just a few pixels above the top of my Kindle DX which affected nothing in the actual reading).

9 people found this helpful

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Kristy Leavitt

Must-read!

Reviewed in Canada on June 27, 2023

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Excellent book!! I highly recommend this book for everyone, regardless of your financial situation. Rachel provides helpful, practical advice to foster contentment and wise money habits, in a fun-to-read way.

Alberto Luviano

Excelente Libro

Reviewed in Mexico on April 11, 2019

Verified Purchase

Increíble libro con muy buenos consejos en cómo llevar tus finanzas personales y dejar de lado las comparaciones con la vida de otras personas.

One person found this helpful

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Ya Kil

Heard before but not that way

Reviewed in the United Kingdom on September 1, 2018

Verified Purchase

We probably have heard these advices before and possibly never acted on them. The way Rachel Cruz explains ways to become debt free and remove the pressure of keeping up with the Jones is refreshing. I understand that when you are debt free, reading this book is redundant since you have achieved your objectives. But like they say, we often need reminding of what to do, especially with our money. The biggest advice I took and applied from the book was to buy your house cash without mortgage. I can now focus on saving for my retirement (Chris Hogan book's RETIRE INSPIRED will be handy) and tick off more Big Hairy Audacious Goals.

3 people found this helpful

Christel Schmidt

Basic tips

Reviewed in Germany on February 18, 2018

Verified Purchase

It’s a basic book. It gives practical tips but tells nothing new to anyone who is a saver/ investor. Good for young people who don’t have a good example at home.

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