United States
Rachel Cruze is a Nashville-based personal finance educator, bestselling author, and podcast host who built her platform as an extension of — and counterpoint to — the Dave Ramsey brand.
Total Followers +0.3%
1.9M
Across YouTube, Instagram, TikTok
Primary Platform
YouTube
648K followers · 35% of audience
Engagement
3.6%
vs. 1.5% category median
Sponsorship Tier
Macro
Est. $14K–$32K / IG post
Cruze announced on YouTube that her flagship weekly show was wrapping up, citing a desire to focus on faster-growing projects. She continues as a co-host on The Ramsey Show and Smart Money Happy Hour with George Kamel.
Feature highlights her growth into multi-platform digital content and her recurring co-host seat on The Ramsey Show alongside her father, Dave Ramsey.
| Window | YouTube | TikTok | Combined | |
|---|---|---|---|---|
| Last 7 days | +0 +0.0% | +450 +0.1% | +817 +0.3% | +1K |
| Last 30 days | +972 +0.1% | +4K +0.4% | +2K +0.5% | +6K |
| Last 90 days | +6K +0.9% | +13K +1.4% | +5K +1.7% | +24K |
| Last 365 days | +6K +0.9% | +13K +1.4% | +5K +1.7% | +24K |
Daily follower snapshots from CreatorDB's longitudinal index.
| Brand | Type | Platform | Date | Performance vs. baseline |
|---|---|---|---|---|
| DeleteMe Sponsorship | Sponsored content | YouTube | Apr 2026 | — |
| Ramsey Solutions Sponsorship | Sponsored content | YouTube | Apr 2026 | — |
| FAIRWINDS Credit Union Sponsorship | Sponsored content | YouTube | Mar 2026 | — |
Rachel Cruze is a Nashville-based personal finance educator, bestselling author, and podcast host who built her platform as an extension of — and counterpoint to — the Dave Ramsey brand. As Ramsey's daughter, she grew up inside the debt-free philosophy that underpins Ramsey Solutions, and she has channeled that upbringing into a distinct voice aimed at making budgeting and the 7 Baby Steps framework feel approachable rather than prescriptive. Across YouTube, Instagram, and TikTok, her content blends practical money tutorials with lifestyle-adjacent storytelling — covering debt payoff milestones, savings strategies, and personal budgeting habits in a conversational register that distinguishes her from drier financial commentary. She co-hosts The Ramsey Show alongside her father and others in the network, and her own Smart Money Happy Hour podcast, co-hosted with Jade Warshaw, extends her reach into a more relaxed, interview-driven format.
Her combined following of roughly two million across platforms skews notably older — a plurality of viewers fall in the 45-and-up bracket — and leans male, a demographic profile that reflects the broader Ramsey Solutions audience more than the typical female-led personal finance creator. Engagement rates run well above the category median, suggesting a loyally habituated viewership rather than passive scrollers. Sponsor integrations with FAIRWINDS Credit Union and DeleteMe sit comfortably within the financial-wellness and digital-privacy categories her audience expects, while Ramsey Solutions itself appears as a recurring partner, reinforcing how tightly her independent brand and the parent network remain intertwined. As she continues expanding co-hosting duties and her podcast footprint, her positioning as the more personality-forward, younger-generation face of the Ramsey ecosystem gives her durable cross-platform utility for brands targeting financially motivated adults in the 35-plus range.
Rachel Cruze operates squarely in the personal finance and financial wellness space, making her a natural fit for fintech platforms, banking and credit union products, budgeting tools, insurance, tax-preparation services, and debt-management solutions. Her content—anchored in the Ramsey Solutions debt-free philosophy—consistently targets budgeting, savings goal-setting, and debt payoff, drawing an audience that is actively seeking actionable financial guidance rather than passive entertainment. The audience is heavily concentrated in the United States with meaningful secondary reach in the UK and Canada, making her well-suited for US-first campaigns that carry some English-language cross-market value. Posting cadence is high across YouTube, Instagram, and TikTok with near-daily uploads, sustaining consistent brand-impression frequency. Engagement sits significantly above the category median, indicating an audience that trusts and acts on her recommendations—a critical signal for direct-response and credibility-dependent financial products. Demonstrated sponsor history includes FAIRWINDS Credit Union, confirming financial institutions view her as a viable conversion vehicle, while DeleteMe signals receptivity from privacy and security brands. Ramsey Solutions' own placement illustrates the depth of integration this ecosystem can support.
Benchmark estimates for a creator at Rachelcruze's tier (Macro, 1.9M combined followers, United States). Pulled from CreatorDB's category benchmarks.
The CreatorDB Agency runs end-to-end influencer campaigns globally — shortlisting, outreach, contracting, and performance reporting. Talk to our team about building a campaign around creators in this niche.
Yes, Rachel Cruze is the daughter of personal finance personality Dave Ramsey, and she grew up inside his philosophy of debt-free living and generational wealth-building. She now carries that message forward as a personal finance educator, bestselling author, and co-host of The Ramsey Show in her own right.
Rachel Cruze was born Rachel Ramsey — her maiden name connects directly to her father, radio host and author Dave Ramsey. She took the last name Cruze after marrying Winston Cruze, which is the name she uses across all her platforms and published work.
Rachel Cruze is a bestselling author with several personal finance books, including Love Your Life, Not Theirs, Know Yourself Know Your Money, and Smart Money Smart Kids, which she co-wrote with Dave Ramsey. Her books consistently connect personal identity, emotional habits, and self-awareness to financial decision-making, which sets her apart from more numbers-only finance writers.
Rachel Cruze co-hosts Smart Money Happy Hour with fellow Ramsey personality Jade Warshaw. The podcast takes a lighter, lifestyle-forward approach to personal finance than The Ramsey Show, blending money tips with culture, conversation, and real-life spending decisions.
The Rachel Cruze Show focuses on practical personal finance topics — getting out of debt, budgeting, saving, and building wealth — all filtered through Rachel's approachable and faith-influenced perspective. It airs on YouTube and Facebook and is also available as a podcast, making her content accessible to a wide range of audiences.
The 7 Baby Steps are the foundational debt-payoff and wealth-building framework created by Dave Ramsey and central to Ramsey Solutions' teaching, which Rachel references frequently across her content and uses the hashtag #7BabySteps to signal. The steps walk listeners from building a small starter emergency fund all the way through paying off every debt, saving for retirement, and eventually building generational wealth.
Rachel openly references the Enneagram personality system in her bio and weaves self-awareness topics — like how your personality type shapes your money habits — into her broader personal finance content. This blend of emotional self-knowledge and practical budgeting is a consistent thread in her work and is part of what distinguishes her voice from more technically focused finance creators.
Yes — parenting and couples' finances are recurring themes in her content, covering topics like teaching kids healthy money habits, how spouses can align on budgets, and managing household finances as a family unit. These topics appear consistently across her YouTube channel, The Rachel Cruze Show, and her social posts under hashtags like #debtfreecommunity.
Recent YouTube sponsors for Rachel Cruze include Ramsey Solutions (the financial education company Dave Ramsey founded), FAIRWINDS Credit Union, and DeleteMe, a data-privacy service that removes personal information from the internet. The mix reflects an audience that is actively engaged with both financial services and personal security topics.
Rachel Cruze posts across YouTube, Instagram, and TikTok, with YouTube serving as the primary home for The Rachel Cruze Show and her longer-form financial education content. She also maintains a presence on Facebook and distributes content through podcast platforms, giving her a cross-platform reach well into the Macro creator tier.
Stats (followers, engagement, audience demographics, growth) are pulled live from the CreatorDB API covering YouTube, Instagram and TikTok. Bio and FAQ content is AI-assisted; news items are sourced from cited public press at generation time. Read the full methodology →
If you'd like to update, correct, or remove this profile, get in touch and we'll handle it within 5 business days. We don't publish private data — every stat shown comes from your public platform profiles.
@rachelcruze · YouTube
+0 new followers
Preparing fresh data…
This usually takes 15–25 seconds.