Most people think they’re doing okay with money until reality hits during an unexpected expense. But what if you’re secretly crushing it and don’t even realize it? Rachel Cruze has identified specific behaviors and mindsets that separate the financially savvy from those living paycheck to paycheck. Your daily money decisions might already be putting you miles ahead. Let’s see if you’re in the winner’s circle.
You Earn The Median Income
Reaching median income feels like hitting the middle ground. But Cruze points out that this is actually better than what many Americans achieve. If you combine that income with smart habits like disciplined spending, steady saving, and intentional wealth creation, you’re on the right path.
You’re Automating Your Payments
Willpower fails when life gets busy. So, she promotes smart money management using automation instead of relying on discipline alone. Schedule recurring payments for bills, move money into savings automatically, and make regular contributions to your investments. You’re already skipping the procrastination with this habit.
You’re Debt-Free (Or Nearly There)
Debt can hold people back from the life they want. But Cruze provides a clear path forward. Following her father Dave Ramsey’s wisdom, Rachel recommends starting with a $1,000 emergency fund, then attacking debt systematically. As you move towards being debt-free, you’re making way for your monthly income to become a powerful wealth-building tool.
You’re Building Multiple Income Streams
A single paycheck feels risky in today’s economic climate. And building multiple income streams protects you when unexpected changes hit. Cruze lives this principle herself. She combines her books and speaking engagements with YouTube content and podcast co-hosting work.
You Have Money Saved
Emergencies can knock on your door anytime, but having enough savings changes everything. If you save $400 every year, you’ve beaten 37% of Americans. Reach $1,000 and you’re above average. As a benchmark, Rachel recommends saving up three to six months of your living expenses to beat unexpected emergencies.
You Track Your Net Worth
Regularly checking your net worth gives a simple snapshot of your financial progress. When you watch your savings and investments grow, you realize how far you’ve come, which proves you’re building wealth faster than the average person. Small, consistent tracking makes a big difference over time.
You’re Planning Ahead For Retirement
Many Americans face retirement relying on Social Security and a few assets. They all struggle with vague intentions. But you? You’ve built a solid solution: consistent investment practices, specific retirement funds, and regular account contributions that adapt as needed.
You’re Making Important Purchases Without Relying On Financing
While many people reach for financing when making big purchases, those who save and pay cash take a smarter path. Beyond avoiding interest charges, paying outright for new gadgets and vacations hints at good financial discipline, which means you’re living within your means. This ability maintains your control and momentum toward bigger financial goals.
You’re A Homeowner
Most people see homeownership as the ultimate badge of financial success, especially if you own your property outright or are crushing your mortgage payments ahead of schedule. While Cruze agrees owning a home means strong financial health, she keeps her advice focused on practical ownership rather than pushing specific mortgage strategies or budget-stretching approaches.
You Practice Generosity
Financial stability starts with having enough breathing room in your budget, but it blossoms into something greater when you can extend help to others. If you’re already assisting family members or supporting charitable causes, it’s a sign of financial success that brings more joy than simply accumulating wealth for yourself.
