Rachel Cruze (née Ramsey; born April 25, 1988) is an American author, speaker, and personal finance expert.

[2][3][4][5] Her book, Smart Money Smart Kids, co-authored with her father, Dave Ramsey, reached number one on The New York Times Best Seller list in 2014.

[7][1] Cruze was born Rachel Ramsey and raised in Tennessee—the second of three children born to author and radio host Dave Ramsey and his wife, Sharon.

Cruze attended Brentwood High School and earned a Bachelor of Arts degree in communications from the University of Tennessee.

[9] She advocates using debit cards instead of credit cards as a way to control spending, and to never spend beyond one's means, which "requires a discipline and a mindset that often goes against the grain of our instantly gratified society," she said in an interview in the Kansas City Star.