Guest: Rachel Cruze

Topic: Staying Purposeful with Habits for the New Year


Bethany and Ellie return from a break for their very first show of 2019. They are very excited and optimistic for the New Year, and they share 6 Ways to Beware and Prepare for the New Year with The Money Millhouse!

Rachel Cruze joins the show discussing New Year’s Resolutions and some great ways to be practical about goals and goal setting. They discuss ways people can go about developing better habits, and teaching those habits to their kids as well. Rachel shares how “more is caught than bought” when it comes to teaching kids money. She also says it is important to have tangible, “quick wins” when it comes to anyone’s money journey. Ellie talks a little bit about how she wouldn’t let her kids borrow on their allowance because it would create bad work habits, and Rachel shares her views on allowances. She also talks about how to teach kids to have ‘skin in the game’ by having their kids earn their own money. Bethany tells a story about when she was a little girl and earned half of an American Girl doll and what it meant to her. 


6 Ways to Beware and Prepare for the New Year

National Consumer Credit Counseling Service 


Military Family Advisory Network and MilCents



Rachel Cruze
As a #1 New York Times best-selling author and host of The Rachel Cruze Show, Rachel helps people 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, which she co-wrote with her father, Dave Ramsey. You can follow Cruze on Twitter and Instagram at @RachelCruze and online at, or

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