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# ![@rachelcruze Avatar](https://lunarcrush.com/gi/w:26/cr:youtube::UCt59W0ScV709iwy2h-oiulQ.png) @rachelcruze Rachel Cruze

Rachel Cruze has been sharing various personal finance tips and strategies on her YouTube channel. She recently discussed topics such as paying off debt, saving money, and building wealth, including a video on "The benefit of being debt free no one talks about". Her content often focuses on practical budgeting and frugal habits.

### Engagements: XXXXXXX [#](/creator/youtube::UCt59W0ScV709iwy2h-oiulQ/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:youtube::UCt59W0ScV709iwy2h-oiulQ/c:line/m:interactions.svg)

- X Week XXXXXXX -XX%
- X Month XXXXXXXXXXX +225%
- X Months XXXXXXXXXXX +538%
- X Year XXXXXXXXXXX +967%

### Mentions: XX [#](/creator/youtube::UCt59W0ScV709iwy2h-oiulQ/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:youtube::UCt59W0ScV709iwy2h-oiulQ/c:line/m:posts_active.svg)

- X Week XXX +70%
- X Month XXX +123%
- X Months XXX +79%
- X Year XXX +257%

### Followers: XXXXXXX [#](/creator/youtube::UCt59W0ScV709iwy2h-oiulQ/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:youtube::UCt59W0ScV709iwy2h-oiulQ/c:line/m:followers.svg)

- X Week XXXXXXX +0.17%
- X Month XXXXXXX +0.67%
- X Months XXXXXXX +13%
- X Year XXXXXXX +29%

### CreatorRank: XXXXXX [#](/creator/youtube::UCt59W0ScV709iwy2h-oiulQ/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:youtube::UCt59W0ScV709iwy2h-oiulQ/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/youtube::UCt59W0ScV709iwy2h-oiulQ/influence)
---

**Social category influence**
[finance](/list/finance)  #1448

**Social topic influence**
[debt](/topic/debt) #203, [money](/topic/money) 10.11%, [budgeting](/topic/budgeting) #87, [insurance](/topic/insurance) #1623, [credit cards](/topic/credit-cards) 2.25%, [$dave](/topic/$dave) 1.12%, [make a](/topic/make-a) 1.12%, [give me](/topic/give-me) 1.12%, [save your](/topic/save-your) 1.12%, [create a](/topic/create-a) XXXX%

**Top accounts mentioned or mentioned by**
[@smartmoneyhappyhour](/creator/undefined) [@ramseysolutionscom](/creator/undefined) [@frugalfitmom](/creator/undefined) [@unplannedpodcast](/creator/undefined) [@therachelcruzeshow](/creator/undefined)

**Top assets mentioned**
[Dave Inc. Class A Common Stock (DAVE)](/topic/$dave)
### Top Social Posts [#](/creator/youtube::UCt59W0ScV709iwy2h-oiulQ/posts)
---
Top posts by engagements in the last XX hours

"How I Would Budget $2800 a Month"  
[YouTube Link](https://youtube.com/watch?v=ADH1inzM1Fc) [@rachelcruze](/creator/youtube/rachelcruze) 2023-10-02T13:00Z 604K followers, 49.2K engagements


"When Your Husband Prank Calls Your Show"  
[YouTube Link](https://youtube.com/watch?v=Rx_j1PXTZAU) [@rachelcruze](/creator/youtube/rachelcruze) 2025-01-17T16:00Z 604K followers, 15.7M engagements


"Invest Or Pay Off Debt"  
[YouTube Link](https://youtube.com/watch?v=3plAhmAwOsM) [@rachelcruze](/creator/youtube/rachelcruze) 2024-03-19T15:00Z 604K followers, 427.5K engagements


"Easy Ways to Pay Off Your Mortgage Early"  
[YouTube Link](https://youtube.com/watch?v=7C-W6aLB40k) [@rachelcruze](/creator/youtube/rachelcruze) 2024-03-11T13:00Z 604K followers, 300.1K engagements


"The Worst Kind Of Debt"  
[YouTube Link](https://youtube.com/watch?v=_cOBGqISrIc) [@rachelcruze](/creator/youtube/rachelcruze) 2024-04-01T15:00Z 604K followers, 2.7M engagements


"What I Plan to Say Yes and No To This Holiday Season"  
[YouTube Link](https://youtube.com/watch?v=kZ9c5Hs8JtI) [@rachelcruze](/creator/youtube/rachelcruze) 2025-11-03T14:01Z 604K followers, 21.4K engagements


"What I Spend In A Week"  
[YouTube Link](https://youtube.com/watch?v=oixu4sZJn0U) [@rachelcruze](/creator/youtube/rachelcruze) 2023-03-03T18:00Z 604K followers, 2.5M engagements


"How Married Couples Should Handle Money"  
[YouTube Link](https://youtube.com/watch?v=GdyFThz54E0) [@rachelcruze](/creator/youtube/rachelcruze) 2023-03-20T17:00Z 604K followers, 259.3K engagements


"The Fastest Way to Become a Millionaire (with Dave Ramsey)"  
[YouTube Link](https://youtube.com/watch?v=K1jBE3Z42i4) [@rachelcruze](/creator/youtube/rachelcruze) 2022-01-12T14:00Z 604K followers, 742.3K engagements


"The Right Way to Do a Monthly Budget"  
[YouTube Link](https://youtube.com/watch?v=NPm9-4M6NAA) [@rachelcruze](/creator/youtube/rachelcruze) 2022-10-17T13:00Z 604K followers, 133.7K engagements


"I'm Not Liking This"  
[YouTube Link](https://youtube.com/watch?v=Y3vY4Ay9OIE) [@rachelcruze](/creator/youtube/rachelcruze) 2025-11-03T16:00Z 604K followers, 31.2K engagements


"Wait. You're 12"  
[YouTube Link](https://youtube.com/watch?v=kFyaciO9ZfA) [@rachelcruze](/creator/youtube/rachelcruze) 2025-11-05T16:01Z 604K followers, 84.6K engagements


"Proven Strategy To Ditch Your Mortgage Fast"  
[YouTube Link](https://youtube.com/watch?v=ncZyBoZtRic) [@rachelcruze](/creator/youtube/rachelcruze) 2024-02-20T16:00Z 604K followers, 1.1M engagements


"How To End Money Fights With Your Spouse"  
[YouTube Link](https://youtube.com/watch?v=thlXii8o6lg) [@rachelcruze](/creator/youtube/rachelcruze) 2023-05-23T16:30Z 604K followers, 301.2K engagements


"The Friendship Tax Every Woman Pays"  
[YouTube Link](https://youtube.com/watch?v=ucZON6GR4kQ) [@rachelcruze](/creator/youtube/rachelcruze) 2025-11-05T14:01Z 604K followers, 4245 engagements


"Going From Broke To Average To Wealthy"  
[YouTube Link](https://youtube.com/watch?v=vJ0PykJihSQ) [@rachelcruze](/creator/youtube/rachelcruze) 2025-11-01T15:01Z 604K followers, 56.4K engagements


"How to Make a Budget That Actually Works for You"  
[YouTube Link](https://youtube.com/watch?v=FUA_hirrEV8) [@rachelcruze](/creator/youtube/rachelcruze) 2020-01-06T19:54Z 604K followers, 285.9K engagements


"Why Being Boring is the Best Way to Build Wealth"  
[YouTube Link](https://youtube.com/watch?v=TbzM8w_oKjI) [@rachelcruze](/creator/youtube/rachelcruze) 2025-08-29T13:01Z 604K followers, 72.7K engagements


"How To Save More Money"  
[YouTube Link](https://youtube.com/watch?v=oNnHwwLcwzw) [@rachelcruze](/creator/youtube/rachelcruze) 2018-04-09T16:00Z 604K followers, 144.7K engagements


"The Benefit Of Being Debt Free No One Talks About"  
[YouTube Link](https://youtube.com/watch?v=q2EMHAOptY8) [@rachelcruze](/creator/youtube/rachelcruze) 2023-06-15T17:00Z 604K followers, 76.6K engagements


"6 Types of Insurance You Need and X You Dont"  
[YouTube Link](https://youtube.com/watch?v=w3_6ujtW61U) [@RachelCruze](/creator/youtube/RachelCruze) 2021-06-23T13:00Z 604K followers, 25.1K engagements


"Married 8yrs And Husband Won't Give Me Access To Our Money"  
[YouTube Link](https://youtube.com/watch?v=-UfhL5Lvp0I) [@rachelcruze](/creator/youtube/rachelcruze) 2025-02-26T16:00Z 604K followers, 4.6M engagements


"They Paid Off $145000 in Debt"  
[YouTube Link](https://youtube.com/watch?v=0sXq5gDqCC4) [@rachelcruze](/creator/youtube/rachelcruze) 2023-05-25T16:30Z 604K followers, 2.5M engagements


"Debt Snowball Vs. Debt Avalanche (Which Is Faster)"  
[YouTube Link](https://youtube.com/watch?v=4Ob0UWK7Fjs) [@rachelcruze](/creator/youtube/rachelcruze) 2024-02-25T16:00Z 604K followers, 196.9K engagements


"The Average American Should Have This Much In Savings"  
[YouTube Link](https://youtube.com/watch?v=4jdBZE0THYc) [@rachelcruze](/creator/youtube/rachelcruze) 2024-08-28T15:00Z 604K followers, 1.1M engagements


"8 Subtle Ways to Spot a Quiet Millionaire"  
[YouTube Link](https://youtube.com/watch?v=5kG3EEsT2Ec) [@rachelcruze](/creator/youtube/rachelcruze) 2025-02-07T14:00Z 604K followers, 530.5K engagements


"How To Budget a $70000 Income"  
[YouTube Link](https://youtube.com/watch?v=8H6Z0mDh1og) [@rachelcruze](/creator/youtube/rachelcruze) 2023-02-21T18:00Z 604K followers, 315K engagements


"Dyson Products Are A Huge Waste of Money"  
[YouTube Link](https://youtube.com/watch?v=CuwXLb0uFTE) [@rachelcruze](/creator/youtube/rachelcruze) 2024-07-30T19:00Z 604K followers, 707.8K engagements


"5 Surprising Signs Youre A Hoarder And Losing Money (with The Minimalists)"  
[YouTube Link](https://youtube.com/watch?v=DAeczpCw-Zo) [@rachelcruze](/creator/youtube/rachelcruze) 2022-07-06T13:00Z 604K followers, 305.6K engagements


"How Much Debt We Talking"  
[YouTube Link](https://youtube.com/watch?v=EXDj4yXyxwc) [@rachelcruze](/creator/youtube/rachelcruze) 2025-10-19T15:00Z 604K followers, 287.3K engagements


"How to Get Health Insurance When Self-Employed"  
[YouTube Link](https://youtube.com/watch?v=GeUdFzjUKcw) [@rachelcruze](/creator/youtube/rachelcruze) 2022-05-27T13:00Z 604K followers, 43.2K engagements


"The Best Place For Your Emergency Fund"  
[YouTube Link](https://youtube.com/watch?v=GjwXsfO-J9w) [@rachelcruze](/creator/youtube/rachelcruze) 2024-02-05T19:00Z 604K followers, 144.5K engagements


"They Key To Managing Your Money"  
[YouTube Link](https://youtube.com/watch?v=IVp3C681g_g) [@rachelcruze](/creator/youtube/rachelcruze) 2024-04-05T15:00Z 604K followers, 707K engagements


"How I Would Budget $3600 a Month"  
[YouTube Link](https://youtube.com/watch?v=Ido7pst_Iw4) [@rachelcruze](/creator/youtube/rachelcruze) 2023-08-02T13:00Z 604K followers, 227.9K engagements


"How I Would Budget $7000 a Month"  
[YouTube Link](https://youtube.com/watch?v=IukAcwKq3zQ) [@rachelcruze](/creator/youtube/rachelcruze) 2023-06-19T13:00Z 604K followers, 189.6K engagements


"Money Lessons Weve Learned in XX Years of Marriage (With Winston Cruze)"  
[YouTube Link](https://youtube.com/watch?v=JQcTXk7ryEo) [@rachelcruze](/creator/youtube/rachelcruze) 2025-06-18T13:00Z 604K followers, 90.5K engagements


"Gen Z Thinks Theyre Going To Retire Early"  
[YouTube Link](https://youtube.com/watch?v=K45hy_Tq7Uw) [@rachelcruze](/creator/youtube/rachelcruze) 2024-08-26T19:00Z 604K followers, 586.9K engagements


"Here's How To Save Your First $100000"  
[YouTube Link](https://youtube.com/watch?v=KHvLEs2mqfk) [@rachelcruze](/creator/youtube/rachelcruze) 2024-08-29T19:00Z 604K followers, 418.2K engagements


"My Husband Refuses to Buy This For Me"  
[YouTube Link](https://youtube.com/watch?v=L5QFyXKfleQ) [@rachelcruze](/creator/youtube/rachelcruze) 2022-12-22T18:00Z 604K followers, 3M engagements


"His Family Just Found Out He's A Millionaire"  
[YouTube Link](https://youtube.com/watch?v=NXrQHrq7iJU) [@rachelcruze](/creator/youtube/rachelcruze) 2025-09-30T15:00Z 604K followers, 554.8K engagements


"Comparison Will Steal You Joy. And Paycheck"  
[YouTube Link](https://youtube.com/watch?v=Qts3Sbh3aAM) [@rachelcruze](/creator/youtube/rachelcruze) 2025-11-02T16:00Z 604K followers, 19.8K engagements


"7 Creative Side Hustles for An Extra $1000 a Month"  
[YouTube Link](https://youtube.com/watch?v=UaRzhW3XGp8) [@rachelcruze](/creator/youtube/rachelcruze) 2025-02-24T14:00Z 604K followers, 181.5K engagements


"The Fastest Way To Pay Off Debt in 2025"  
[YouTube Link](https://youtube.com/watch?v=UgiyCKSFBwc) [@rachelcruze](/creator/youtube/rachelcruze) 2024-12-18T14:00Z 604K followers, 92.2K engagements


"Paying Off Credit Cards Doesn't Mean Your Winning"  
[YouTube Link](https://youtube.com/watch?v=XH4q6n7oZjY) [@rachelcruze](/creator/youtube/rachelcruze) 2022-12-26T18:00Z 604K followers, 70.7K engagements


"This Is Why You Should Pay Off Your House ASAP"  
[YouTube Link](https://youtube.com/watch?v=YCM_uT8gVgE) [@rachelcruze](/creator/youtube/rachelcruze) 2025-03-24T15:00Z 604K followers, 2.5M engagements


"How I Would Budget A $7000 Income"  
[YouTube Link](https://youtube.com/watch?v=Yez8rG7GS-g) [@rachelcruze](/creator/youtube/rachelcruze) 2024-02-11T16:00Z 604K followers, 1.6M engagements


"The Average American Spends How Much On Groceries"  
[YouTube Link](https://youtube.com/watch?v=Zpg3UlOBKkY) [@rachelcruze](/creator/youtube/rachelcruze) 2024-06-06T15:00Z 604K followers, 1.4M engagements


"The Worst Ways to Pay Off Your Debt"  
[YouTube Link](https://youtube.com/watch?v=ayX-1nGfK3E) [@rachelcruze](/creator/youtube/rachelcruze) 2025-01-13T14:00Z 604K followers, 620.6K engagements


"THIS is how you budget"  
[YouTube Link](https://youtube.com/watch?v=fFurmea6Jhw) [@rachelcruze](/creator/youtube/rachelcruze) 2023-05-16T13:00Z 604K followers, 276.9K engagements


"The Secret To Stop Overspending"  
[YouTube Link](https://youtube.com/watch?v=gWuUblpI2gY) [@rachelcruze](/creator/youtube/rachelcruze) 2023-08-30T17:00Z 604K followers, 1M engagements


"5 Frugal Habits To Cut Expenses In Half"  
[YouTube Link](https://youtube.com/watch?v=gY9j79M3AP0) [@rachelcruze](/creator/youtube/rachelcruze) 2024-01-30T16:00Z 604K followers, 2.5M engagements


"Making A Budget In Under A Minute"  
[YouTube Link](https://youtube.com/watch?v=gdk3li-WpjQ) [@rachelcruze](/creator/youtube/rachelcruze) 2023-02-02T18:00Z 604K followers, 370.4K engagements


"She Still Owed $200000 In Student Loans"  
[YouTube Link](https://youtube.com/watch?v=itTnxUf9GKg) [@rachelcruze](/creator/youtube/rachelcruze) 2024-11-12T16:00Z 604K followers, 591.3K engagements


"Money-Saving Tips for Grocery Shopping (Part 2)"  
[YouTube Link](https://youtube.com/watch?v=rlbTb-lY-fk) [@rachelcruze](/creator/youtube/rachelcruze) 2024-06-13T19:00Z 604K followers, 181.4K engagements


"Hacks For Ditching Your Mortgage Fast"  
[YouTube Link](https://youtube.com/watch?v=s-mkyQ5lFGM) [@rachelcruze](/creator/youtube/rachelcruze) 2024-01-30T18:00Z 604K followers, 969.2K engagements


"Emergency Funds: How Much Should You Have"  
[YouTube Link](https://youtube.com/watch?v=uR9DNUgrkQU) [@rachelcruze](/creator/youtube/rachelcruze) 2024-02-08T20:00Z 604K followers, 474.9K engagements


"Consumerism Vs. Minimalism"  
[YouTube Link](https://youtube.com/watch?v=vLIxn1ebrc4) [@rachelcruze](/creator/youtube/rachelcruze) 2024-03-14T15:00Z 604K followers, 89.4K engagements


"5 Questions To Answer Before You Get Married"  
[YouTube Link](https://youtube.com/watch?v=wOSDiiZX9vU) [@rachelcruze](/creator/youtube/rachelcruze) 2025-11-04T16:01Z 604K followers, 23.9K engagements


"Is It Wise to Keep Your Money in an Online Bank"  
[YouTube Link](https://youtube.com/watch?v=z1OyZRbdnI8) [@rachelcruze](/creator/youtube/rachelcruze) 2024-10-21T13:01Z 604K followers, 28.9K engagements


"I Have X Credit Cards Is That A Problem"  
[YouTube Link](https://youtube.com/watch?v=JRt0V2AnKCU) [@rachelcruze](/creator/youtube/rachelcruze) 2025-09-04T15:00Z 604K followers, 235.4K engagements


"The Simple Hack to Ditching Your Mortgage Fast"  
[YouTube Link](https://youtube.com/watch?v=Qk3O9XRCS14) [@rachelcruze](/creator/youtube/rachelcruze) 2023-07-28T13:00Z 604K followers, 194.7K engagements


"9 Crazy Things People Use Afterpay For"  
[YouTube Link](https://youtube.com/watch?v=Xw_cglqwl0Y) [@rachelcruze](/creator/youtube/rachelcruze) 2022-05-16T13:00Z 604K followers, 20.2K engagements


"He's Just Not Interested"  
[YouTube Link](https://youtube.com/watch?v=_A5Fv8nmUmo) [@rachelcruze](/creator/youtube/rachelcruze) 2025-10-28T15:01Z 604K followers, 81.4K engagements