How Minimalist Living Can Help You Pay Off Debt

– I am so excited because today’s show is all about minimalism.
(finger snapping) So keep watching. (upbeat music) One of my favorite things in
life, right now, is Netflix. I can binge watch a show,
I love documentaries, I just love Netflix. It’s a way I can come home after we put the girls
down and eat dinner. Winston and I, we love
to have a good show. And it’s great. So as I was scrolling through
Netflix I saw a documentary that I had heard a lot
of people talk about, but I hadn’t seen it, it
was called Minimalism. So, I was like, oh
yeah, this will be cool. I’ll totally watch his. By the end, I was like
praising Jesus, hallelujah, I was so fired up. Because not only do
they talk about so much of what we talk about here on the show about getting out of debt
and getting rid of stuff and selling stuff and not
going into debt for things. I mean everything we talk
about, they kept reiterating and kind of had the same philosophies. But their whole thing
was that they got rid of a ton of their stuff
’cause they realized that stuff does not equal happiness. And in America today
we’ve fallen into this lie that the more stuff you have, the better your life is going to be. And I just realized as
I was watching this, man, we have so much crap in our lives. And in our houses and
in our bathroom sinks and in our closets, we have so much stuff, so much stuff. And you know me, I enjoy some things so I always say it’s
okay to have nice stuff just don’t let your nice stuff have you. But you walk into the
average person’s home and it’s like, you just
have stuff everywhere. It’s just unbelievable. And then again for the
average American that goes into debt to buy stuff that we do not need and I just go so fired up. I was like, who, who set the
standard of living in America? Everyone says you gotta have
this style, this lifestyle, this is average. Whether it’s a three car garage
or a room for every person, it’s just like everything is
just like, yeah, this is it, this is it, this is what
your life should look like, this is the vacations you should take, these are the clothes you should wear, this is the brands that are great, here’s the grocery stores
you should shop at, this is what’s average. Who, who said that’s average? Who said that’s average? I’m like, no. It just made me so mad. Because I think we really have,
we’ve gotten into this idea that man, our lifestyle
should look like this, no matter what we make, no
matter what our income is, we deserve this standard of living. And it just fired me up. And so I was like, we’ve gotta get The Minimalists on our show. We have to get them here
to talk about all of this because you guys, again, stuff is not going to make you happy. Stuff is not going to make you happy. Stuff is not bad. I want you to be able to shop at the grocery store you want to, take the vacation you want, that’s fine, those are not bad things. But when we put our value
and our happiness that that stuff is going to
fulfill us, it’s not. We end up like a rat in a
wheel for our entire lives, chasing something that is
never ever going to fulfill us. (sighing) Are you mad too? I hope you’re mad. I hope you’re just like, you know what, I need to get rid of
some crap in my house. So, the money challenge for this episode is when this show is over, I want you to look around your house and I want you to start small,
but get rid of one thing. Like go in your closet and be like, wow, I have four or five
black long sleeve shirts. Have I worn one shirt, one
of these shirts in a year? The answer is probably no. No, you haven’t. Get rid of it, sell it, give it away, I don’t care what you do with it. Get rid of one thing. So when you start to purge a little bit it’s like, oh wow, I did this. I went into my closet and I did this, I went and I looked and I was
like, okay, I had this filter of okay if I was going
on a four week vacation, what would I pack? So, that’s a lot. Right, I mean I enjoy clothes. But I’m like, half this
stuff I haven’t worn in like a year and a half. But I always have it in there. I’m like, well, just in
case that one thing comes up I’m gonna need it. I chucked all that clothes
and it felt so good to purge. It felt so good. Because again, every time I buy that stuff this little part of me thinks, life’s just gonna be better
if I just have that thing. Have you said that to yourself? If I could just have
this, I would be happy. Well, I kept saying this
about one pair of shoes for about four years. Well, my lesson was a heartbreaking one. (upbeat piano music) So there’s this pair of
shoes, well not a pair, it’s more like a brand. And through like the last
four years, I’m like, my goal, it’s so stupid and shallow
Rachel but I’m gonna say it, in my heart I was like my goal is to own one pair of those shoes,
just one pair of those shoes. But every time I went to go
buy ’em I was like, I can’t. It’s just too expensive. It’s stupid to spend that
kind of money on this shoe. I’m not doing it, I’m not doing it. So after Caroline, our second, was born, she was probably like three weeks old and the doorbell rang, Winston was home and he went to the front
door and he got the box and he said, “Okay, Rachel,” but I had Caroline, I
was holding Caroline. He was like, “Give me
Caroline, you take the box.” And I was like, “What, what is this?” He was like, “This is just a gift to say, “I love you, I’m so
proud of you, just enjoy, “this is just a gift from me to you.” I was like, “What?” And so I opened the tape of this big box and there was the name of the
shoes on top of the shoe box and I may or may not have cried. (laughing) I was like, “Winston, what, no, “there’s no way you bought
these, you bought these.” And I was hormonal, I had
just had a baby people, okay, so I probably wouldn’t cry
over a pair of shoes today, but I did, I cried. And I’m opening ’em and
I mean my adrenaline was like pumping and
my hands were sweating and I was like, “Oh my gosh.” And I had got ’em out of the
box and they were beautiful. I mean, they were, perfect. It was everything I thought, I
had ever imagined in my life. Side note, credit to him, he went in, ladies you’re appreciate
this, he went in my closet and saw my other shoes
and found my shoe size and then even the heel
measurement, he took a ruler thing to measure the size of heel
that I wear with my heels and ordered the perfect shoe. I mean, like, Cinderella
has nothing on me. I mean, it was like, it fit like a glove, it was perfect and that feeling
lasted for about 48 hours. And now, about a year later,
those shoes are in my closet. And honestly, when I look at those shoes, what I think of is more
of Winston’s sweetness and love towards me than
the actual shoes anymore. And so that’s what’s so funny to me about this accumulation of
stuff that we have in our lives and this thing that we
think if we could just go on that vacation, if we
could just get a new car, if we could just, just, X, Y, or Z everything would be better. And you guys I’m telling
you, the finish line keeps moving and moving and moving. The finish line never fulfills
you guys, never fulfills you. Contentment is something
that you have to find. And I’m gonna be bold
here and say you guys, there’s nothing on this Earth
that is gonna fulfill you. The deepest part of you
that’s gonna be fulfilled, this piece that you think is missing, if you do not have a
relationship with Jesus that is it, that’s the ultimate answer. Preacher Rachel’s coming out. But I’m telling you, you
guys, if you don’t know him, if you’re not in a relationship with him, that’s the ultimate. That’s the foundational of
everything in your life. And everything beyond
that you can build on your giving changes,
your generosity explodes, things suddenly have a
different meaning in your life, your relationships change, everything is dependent
upon that and not stuff. Not stuff, I can tell you, tell you, I’m telling it to myself
again, remember my shoes, man, Rachel, come on. That we gotta learn together, we gotta practice what
we preach people, right? So remember stuff is not
going to satisfy you. And the guys that teach this,
the best are The Minimalists. And I’m so excited because
there are coming up next. (upbeat music) (cell phone chiming) Planning and cooking meals for
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to take care of our family. (upbeat music) My friends The Minimalists are here on the Rachel Cruze Show, you guys. – Thanks so much for having us. We’re excited to be here. – Yes, I’m so pumped you’re here. And I was telling everyone
earlier about your documentary and how much I just watched
it and became obsessed with everything that you guys are doing. So, for those people that
have not seen the documentary or even heard of you guys, just
explain what is a minimalist and how did you guys get into all of this. – Well the thing with minimalism,
the way I describe it is minimalism is the thing
that gets us past the things so we can make room for
life’s most important things, which actually aren’t things at all. Ryan and I both grew up in Dayton, Ohio. We were really poor and we
thought the reason we thought the reason we were unhappy growing up was we didn’t have any money. And so when I went out, when I was 18, I got that entry level corporate job and I spent the next dozen years sort of climbing the corporate ladder. And by my late 20’s I was
living the American dream. I had six figure salary, the luxury cars. And there was nothing
inherently wrong with the stuff, but I wasn’t fulfilled, I wasn’t happy. Because of course I made good money, but I spent even better money and so I, along with the American
dream came the American debt. And I was just consumed with
almost half a million dollars worth of debt at my peak or
I guess my, at the low point. – Yeah, which ever way
you want to look at it. – And I didn’t feel like
I had control of my time, my resources, my own life. I realized I was focused
on the wrong stuff. I was focused on success and achievement. And it’s really where this
thing called minimalism entered my life. – Yeah for me it’s interesting, if you were to have told
my 18 year old self, what my 28 year old
self was going to have, I would have been so excited. And when I was 28 I
found myself questioning I was the opposite of happy. I was drowning in debt. I was had a lot of discontent. I was depressed. And I remember seeing
Josh, he had a major shift in the way he was living his life. And I sat him down one day and I was like, “Dude, what is going on with you? “Why are you so happy?” And that’s when he
– Why are you so happy? What’s happening?
– What’s going on? And he introduced me to this
thing called minimalism. So Josh and I, we came
up with this crazy idea called a Packing Party. Where we decided to pack all my belongings as if I were moving. And then I would unpack
only the items I needed over the next three weeks. So Josh came over and he literally helped me box up everything, my clothes, my kitchenware. – You weren’t moving,
this is just the exercise. – Just pretending.
– Just pretending. – The idea was if I
packed up all this stuff and I really really missed it and I really really wanted
to put everything back out, I could totally unpack it and put everything back in its place. But of course after three weeks, I had a completely different
perspective on my life, a completely different
perspective on my things. And I remember going
to Josh and I was like, “Man, this is a really cool story. “There might be some people out there “who could benefit from this story.” So we went and did what any
two 30 year old dudes would do, we started a blog. – Yeah.
(laughing) Spread the word.
– That’s right. That’s really where started. It was with that 21 Day Packing Party. – So good, that’s such a brilliant idea. ‘Cause I even think, because confession, I have not done the complete
minimalist lifestyle. But when you say that, even
my bathroom sink right now, like, I’m thinking about it underneath, I took out all the
lotions and the eye cream, all this stuff and put it in
a box to see for three weeks what I actually used out of that. You guys, I mean it’s probably like what? Four things. I’m feeling convicted right now. As you’re talking about all this. Because it is, that’s such a
smart way to think about it, it really is. And I love this concept that
you guys live out so well, that stuff it doesn’t fulfill you. And I think we all know that. The contentment piece of
that foundation of your heart is so huge in this process. So, someone that’s hearing this, what’s the first couple
things they need to do? – If you do want to simplify your life, the first thing you have
to do is not an action, we’ll get into the action in a second. The first thing you need to
do is ask yourself a question. And that question is, how might
my life be better with less? And by asking that question,
you start to identify what the benefits of simplifying are. Because for me initially it was finances. I knew that my finances
were out of control. I needed to simply my life so I could regain control of my finances. But then I uncovered all
these other benefits, like, I made more time for creativity and the people in my
life and improved health. And so what are the benefits for you and understanding that won’t
just give you the how to, but it will give you the why to. Why am I simplifying my life? From there, I think it’s
important to start small. And just start somewhere. We have something on our website called the 30 Day Minimalism Game. And here’s how it work, you
partner up with someone, a friend, a family member, a coworker. At the beginning of the
month, you each decide, the first day, we’re both
gonna get rid of one item. Second day of the month, two items. Third day of the month, three items. It starts off really easy.
– Yes. – It gives you the momentum you need, but by the middle of the month it starts to get more difficult. Day 15, you’re like I have
to get rid of 15 items. – I was gonna say 20 items. – Right?
– I’ll start in February. (laughing) Just 28, just 28 items. Well, okay, so by day 20 you’re like, I have to get rid of 20 items today and then tomorrow I have
to get rid of 21 items. Whoever goes the longest
between you and your friend, you win, but if you both make
it to the end of the month, you both won because you
gotten rid of about 500 items, it’s a really good start. – So I’m just curious, personally, what is your house look like? Like now, where you
all live, your closets, what’s your life look like? – If you were to walk into our home it’s not like you would jump up and say, “Oh my goodness,
minimalists must live here.” – Yes, yes. – You probably would just
look at our house and say, “You know whoever lives
here, they’re pretty tidy.” And that’s because everything
that we have in our lives, it serves a purpose or it brings us joy. Everything else is gone. – That’s so great, so fun. – We’ve got a washer and dryer. And we still like to use hot water. – Right, right, right, totally. So there’s kind of the
extreme, I’m guessing there’s a range to be a minimalist
there’s like the crazy extreme, that you’re like, we laughed about this, like a fork and a spoon and one plate, just like something over here. And then some people that are
like, okay I like the idea but I would rather be like minimalist-ish like I don’t want to dive in all the way. Can you go 50-50 on this lifestyle? – We can determine what is
appropriate in our lives and I think everything that we own fits in one of three categories. It’s either essential. And we all have the basics, same basics. We’re all wearing clothes right now. We need housing, we need food. We have the same essentials
and we have the non-essentials. Things that we could probably do without but they truly add value to our life. The augment our experience of life. They amplify our life. And then we have this third category. That category is junk. Most of the stuff that we own is junk that gets in the way of the more meaningful experiences in our life. – Absolutely, well we went
into our Facebook community and people love you there
in my Facebook community, so we have some questions from people. – Awesome.
– For you guys to answer. – A Brianna asked, in what
ways can being a minimalist help save you money and become debt free? – I know for me that was
one of my biggest drivers behind getting into minimalism. So I’ll tell you the
first thing that I did when I started going down this road is I took my brand new nice Toyota Solera, a real nice brand new car,
just a couple years old and I traded that in for
a 2004 Toyota Corolla that had no car payment and
I still have that car today. So that’s for me how I really
appreciate what minimalism has helped me do when
it comes to my finances. I am, I was officially
debt free back in 2015. – Oh, I love that. – And I certainly owe minimalism
a lot of credit for that. – Absolutely so good. Okay the next question
is from Emily, she asks, my husband and I like to think
of ourselves as minimalists. I think the one thing
we struggle with though is do you buy quality (expensive) things or do you buy cheap? I think the terms minimalists
and the term frugal are very similar but
they’re also different. – I think when we think about minimalists we think about some guy living in a cave with no possessions or something. I tend to own really high quality items. I own far fewer items. It’s the weird paradox
of minimalism for me I get far more value
from the few items I own, than if they were watered
down by 300,000 other items that were sort of getting in the way. Wouldn’t you rather have one
pair of really nice pants that’s gonna last you for two years as opposed to 10 pairs of pants that’ll last you for a month each? – Right, so good.
– Absolutely. – Katie asks, what’s the very
first small step you recommend to anyone that wants to
move toward minimalism? – Man, I think starting with that question how might my life be better with less, that’s definitely, you’re
gonna get the leverage by getting to the why of that question. But ultimately, there is
the Packing Party approach if someone is extreme. The 30 Day Minimalism
Game, I mean that is huge, Josh talked about that
earlier, that is amazing. You just find someone else
who wants to encourage you to minimize and wants
to minimize themselves and you can have a lot of fun with it. There’s a lot of little small steps you can kinda get started.
– So good. Sensing another Chad and Diana challenge. – Uh oh. – Date night challenge to
the minimalism challenge so we’ll see if that happens. – Okay, Nancy asks, how to part with stuff when spouse wants to keep it because “we might need it for, when, if”? – I think, ultimately,
in order to get a spouse, or a friend or anyone
else on board with this you really have to show them the benefits. I mean, if Josh had come to me and said, “Hey Ryan, you know what? “Your life’s a mess, you need minimalism.” I probably wouldn’t have
(laughing) reacted so excitedly towards that. But by seeing the changes that Josh made it made me want to ask him that question, “What are you doing
different with your life, “you seem pretty happy.” But, ultimately, by just
kind of living the example and showing the benefits of it that’s really how you get
someone to make a move with their stuff, you can’t
force anyone into any of that. – Okay, last question. Lauren asks, how to be a
minimalist with children. I’m actually very intrigued. – Well, me not having any
kids it’s very easy for me to project my advice onto others. I do like to use this one example, we were at an event
where one of the people who showed up they were talking about what they do with their child. The example that they gave
is their five year old, six year old would come home from school, and of course they’ve got
pieces of art that they made that they’re very very proud of. And they would go to
their parent and would, “Can I put this on the refrigerator?” And the mom was like,
“Yes, you absolutely can “put this on the refrigerator.” So as they’re walking
over it’s already covered with other art projects just
the whole refrigerator door. And they’ll say, “Now you
get to choose which one “you want to replace this with.” – Oh that’s good. – “And we will go over and
we will get rid of this “so we’re not having a bunch
of clutter in our life.” So that’s what they do,
they’ll pick the one that they want to come off the fridge, they put the new one up. And they go over and they might scan it or take a picture of the work and then toss it in the trash. – Sure. – I thought that was a cool approach. – Well, honestly kid craft stuff. Amelia comes home from pre-school and it’s just crayon that’s like this. And I’m like and you’re
never remember that. Unless there’s like a
picture or a hand print or a footprint, I mean,
very small things to keep as kid’s craft, there’s sweet, but. – I think it’s important to realize that minimalism is not about deprivation and we need to especially keep
that in mind with our kids. I know with Ella, I first, she’s five now, but when she was really little, I’m like, you’re gonna be a minimalist and you can play with sticks and stones and that’s it.
(laughing) And I’m like what am I trying to do here? No, she gets a lot of value
from the toys that she has. So having a big crate of toys that she really enjoys is great. Now she’s not gonna get more value if I got her 10 crates of toys. They’re actually gonna
start getting in the way, just like us, we just have
our own toys as adults. And so, with her I’ve realized once she’s done with a toy, the thing that I want to instill in her is she’s no longer getting value from it, but some other kid can, so
let’s go donate that together. And letting her realize the
benefit of giving as well. – Alright you guys,
well that was so great, thank you so so much for being on. I so appreciate you guys and your advice and your wisdom and everything. – Likewise, thank you
for everything you do. – Oh thanks, well it’s been fun. So you guys, if you want
to check out more about The Minimalists, you guys are
on every social media channel. I mean YouTube, you
have a YouTube channel, Instagram, Facebook and
you have a great podcast. And if you want more tactical
ways or encouragement as you’re selling your
stuff to get out of debt make sure to check out my book,
Love Your Life, Not Theirs you can click the link below. Okay so we’ll head back to my kitchen where Jenna is gonna
help us take ingredients, the same ingredients to use and prep for five meals for the week. (upbeat music) Okay, we all know food
is a struggle in life. Eating healthy things, but
yet not busting the budget. And it’s just like the
tug and war constantly. So I brought in Dietitian,
Registered Dietitian Jenna Waters to help us out. So thanks Jenna for being here. – Yeah, thanks for having me. – And we’re actually friends from college. College friends.
– College friends. – Go voles.
– Go voles. – Okay so you’ve been doing
this for how long now? – So, I’ve been a registered
dietitian for about five years and my background is with sports nutrition and then I became a mom,
we have three little ones. And I just couldn’t help but think, we are professional
athletes, moms are athletes. – Yes, we are, all the time. – All day everyday. But at the same time
we have so many demands and need to find a way to
balance all the variables. – And want to feed our kids well, right? – We want to feed them well, but not, go crazy in the process. – Yes, that’s right, that’s right. – Absolutely. – And so you have two words that I love. Source and systemize. – That’s right, I feel like every family has to find their sweet spot
of let’s source things well in terms of ingredients, what
ingredients are we using. So essentially we could
use the same recipes that we’ve always been using. But, by having better
ingredients automatically you’re changing it.
– Changing the source. Which is over here.
– Yep. – So a few things that
you’re like you know what? Look and see and you switch out a few ingredients for better ones. – Absolutely, no high fructose corn syrup, hydrogenated oils, like
canola oil, no soybean oil. Instead we’re going to choose things like olive oil or avocado oil. – And I’m guilty of
this, I’m not gonna lie. I probably have terrible
stuff in my refrigerator, but I love that you say,
it’s just like a baby step, one thing at a time instead of
buying that type of ketchup, switch to buy something else. – Exactly. – And look on the label and see. And I love this, this is.
– The snack basket. – The snack basket, brilliant. Brilliant, brilliant, brilliant. – Well it was born out of the fact that my kids ask for
snacks 20,000 times a day. So these are healthy granola bars, these are called Perfect
bars, unsweetened applesauce, at the beginning of the week I’ll just chop up some veggies and put ’em in here, so hummus packages,
individual makes it easy, guacamole packets, a bunch of fruit. Our policy at home is when
this is gone for the week, it’s gone, y’all are snacked out. We’re not buying anymore.
– Yes, yes. It can get expensive. Okay so sourcing and then systemize. – Systemizing for a week. And this is gonna look different
for every single family. So taking a look at your week what are maybe the nights that you can spend a little bit
more time in the kitchen, what are some nights that
we have to do leftovers, or maybe night that would have
been a drive through night maybe let’s just do a
quick Instant Pot meal. So here’s an example, on Monday nights I have
a little bit more time, so I always choose a recipe that I can make in bulk
or double or triple and then use in different
ways throughout the week. – Okay so where do you
buy something like this? – Really this would just be at any conventional grocery store, so we just bought chicken
breast, organic chicken breast and then cut them into three pieces each and then just dipped it in egg wash and then into a almond
flour flax seed mixture. I make a big batch at night and then like I said with the leftovers we’ll use them in different
ways through out the week. And so this is a honey
mustard dipping sauce. So then on Tuesday here’s what I do. I just do a easy sheet pan meal. Tuesdays are really busy nights for us and so whatever night
might be busy for you you can just, I do a honey mustard salmon. So we’re using the leftover sauce and putting it on top of the salmon. Just some veggies, it’s
all one sheet, really easy. – Pop it in.
– Pop it in. Bake it, roast it,
whatever you need to do. – It’s so good.
– Yes. So this is, these look familiar. – [Rachel] Chicken tenders. – These are the chicken tenders. And so we’re gonna make chicken parm. And so we’re just gonna
take the chicken tenders and literally put the sauce over it. – All over it.
– Yep. If you want to do the cheese? – [Rachel] Yes.
– Provolone cheese. That was literally like
a five minute dinner. And then taco bowls. This is cauliflower rice.
– Yes. I actually bought that for
the first time this week. – It’s good. – The first time, I’m going healthy. – Good, that’s awesome. A plus that’s awesome. And little transitions like that can make such a big difference
in terms of nutrition. But doesn’t taste a whole lot different. – Use ground beef,
peppers, some guacamole. – Exactly, these are those
individual guacamole packets from that basket right there. – Okay.
– So using ingredients in different ways can really go long way. – Love it.
– Yes. – And then I’m seeing,
I’m feeling a pizza. – Yes, feeling a pizza. – The spirit is moving,
the spirit is moving here. – That’s right. So instead of take out pizza which kinda used to be
our go to, we’re like, alright we need to save some
money and we’re gonna actually try to make it a little bit healthy. So this we’re gonna again, I
cubed up the left over chicken and we’re gonna make
a chicken pesto pizza. – Oh yum. – So I’m gonna do this, the pesto, if you want to put cheese. And this is a cauliflower crust. – Okay, in the freezer section. – It’s in the freezer
section at any grocery store. – How does it taste? – It’s great, it’s like
a flatbread basically. – [Rachel] Okay, which
I do love flatbread. – The chicken and some
sliced roma tomatoes. – And how do your kids like it? – Honestly, they love it. I think sometimes we have
a you have to try it rule in our house because we’re just
not doing this picky thing. – That’s how I grew up, it was you make what
mom cooks and that’s it. – Amen, amen. So they try it and interestingly, studies show it takes about 20 times for a kid to try something
before they start to like it if they don’t like it at first. – Interesting. – And I give up at like two.
– Easily, easily. – So, we just keep trying. – It’s so great. And so a big thing
again, plan, think ahead so you’re not last minute
running through the drive through and spending extra
money you don’t need to. – Totally. – Think ahead and you
can do stuff so quickly. I mean we literally just
made these meals so fast. I love it. – Yes, just a little kind of forethought. – So great. So you guys if you want all
these recipes in detail, make sure to click the
link in the description and enjoy, enjoy the good food. Thanks Jenna. – Thanks for having me, Rachel. – So good.
– So fun. (upbeat music) Oh I just love Jenna and she’s so smart, I love that she kept reusing everything. And she planned out the entire
week of good healthy foods. Love it. Alright, now it’s time for,
she works hard saving money. I love these, love these, love these. Abigail said, our family is growing and now it is time to
get a bigger vehicle. Just paid cash for a
new-to-us Honda Odyssey. Well done, Abigail, well done. Jessie said, I can’t believe
it’s been nine whole years since we said, “I do.” I would not trade our
$500.00 wedding for anything. My grandmother was right, a wedding is just a day on the calendar, but marriage is a lifetime. Grandma’s always right. Nine years, three dogs,
three moves, three kids and over $100,000 of debt
accumulated and paid off, and many, many more memories to come. Oh Jessie, congrats, that’s so great. Sarah said, Emily worked
hard the last three months saving her commissions for her pillow. She was so exited. Love this hard-working loving girl. Give, save, spend. You guys I love this. I love seeing everything
you’re saving up for and even your kids. How cute was that? Okay, you’ve been posting
photos, which I love, but I also want you to post videos, which is so fun because we
may show them on the show. And remember to use the
#sheworkshardsavingmoney Instagram, Facebook, Twitter,
all the things, so exciting. And remember you guys to like or subscribe so you do not miss the next episode. So hopefully in this
episode there was something that you could take away
to make your life better. So thanks so much to our guests,
The Minimalists and Jenna. And remember to take control of your money and create a life you love. (upbeat music)

100 comments on “How Minimalist Living Can Help You Pay Off Debt”

  1. Rachel Cruze says:

    Think there’s no way minimalist living could be right for you? These tips will show you how minimalist living is not only easy, but it can help you pay off debt AND create a life you love!

    Get practical tips or encouragement for getting out of debt, budgeting, and creating a life you love with my best selling book:

  2. Mary LaFrance says:

    every HGTV program sets the bar for the oversized-extremely modern home. At least 1000 sq ft per person in a 2-person family. there's your standard.

  3. MrMrmusashi says:

    I'm already a minimalist, these guys are amazing but to take it up a notch I'm also in a permanent one meal a day lifestyle.

  4. New Jersey says:

    her shirt is horrible, good show otherwise.

  5. きゅうちゃんRilaQma says:

    9:56 the minimalists on the show

  6. Beautifly Living Boutique says:

    It is. About the love as the foundation of the gift. Not necessarily the gift itself. Share the Gospel girl. Yeah! So Thankful for your virtual fellowship. 😀 So much to be thankful for and Repent of. I don't want to go to Heaven if God is not there…

  7. Gavin Locke says:

    Good points! Stuff is Not going to make you happy! Like a Rat in a wheel…Yes the amount of materialism has truly changed the way many live, they get chained to their stuff not realising that it's all holding them back!

  8. Claudia: says:

    We do have too much stuff!!!

  9. Christian's Grandma says:

    After experiencing Katrina in 2005, I realized how much money I had lost on unnecessary stuff. Pounds of meat and seafood lost in the large deep freezer for a family of three. The thing that got me, while going through the mess; I had realized I had a lot of items with the price tags still on them. What really hit me was, I'd purchased two identical bathroom sets from different stores. I couldn't remember when I purchased them. 😕 If only I had learned from my mother,I would have much more money in the bank today. She lived beneath her means, paid with cash, hated owing anyone, and planned her purchases.

  10. Megan Pratt says:

    Love Josh and Ryan. They've been so helpful to me for awhile now. Just want to put it out there though, atheists and agnostics can have joyous and fulfilled life too.

  11. butfirstcoffee says:

    LOVE your real talks!!!

  12. Jennifer Selespara says:

    I feel the same about a purse.its really expensive😂😂😂😂😂

  13. Evil Gary says:

    1:28 Did she say, “bathroom seats?”

  14. lesserpoo says:

    Just discovered your channel today! What a great show! I just subscribed! God bless you in your endeavors!

  15. EOSgrl Young Living Essential Oils says:

    I reached my goal of discarding 2,018 items in 2018. So freeing.

  16. Jerri Moulder says:

    When you started preaching Jesus, you lost me. I know stuff will not fulfill you and have been a minimalist fan of Joshua and Ryan for years. You made this about what fulfills you and not each individual finding their own path to fulfillment. Keep an open mind to other possibilities of fulfillment. Onward, Jerri

  17. Yvonne Dillworth says:

    Girl you are preaching truth to the world, especially the part about Jesus Christ!

  18. Laura Risdall {minnesotateachermom} says:

    Love how feisty you get talking about how STUFF will not make you happy! Only JESUS! Keep it up lady!

  19. TheBritFix says:

    AMEN!!! Wow I absolutely love you for this video, if you don't know Jesus, you'll never be fulfilled!! This is my first time watching your videos, and I love how this looks like a professional talk show.

  20. The Writing Coach says:

    Red bottoms??

  21. Sophie Tiv says:

    How many commercials can you have in one video

  22. heavymechanic2 says:

    I find it difficult to save money on grocery items without meal planning and a partner who does not stick to the shopping list. My supermarket list is planned with a survey of the ads and purchasing sale items to fill the freezer (just bought two 19-lb turkeys $5 each) promoted for a holiday. The best thing I do is reduce my expenses and cut out wasteful spending.

  23. Cloth Crazed Mom {Emily} says:

    I think I just witnessed Rachel have her first Dave rant 🤣❤️

  24. Nina Gets It! says:

    Amen! @Rachel! I loved this episode more than any other episode. Way to work! #RealTalk

  25. Mrpachuko13 says:

    The majority Jesus lovers and bible thumpers are hard core 2 face liars.

  26. Elisabete Martins says:

    Minimalism has changed my life for the better 🤗 love it

  27. Glenda Johnstone says:

    Yea girl. Jesus is the answer

  28. Sammy Sosa says:

    I love how much like her daddy she is. I love Y’all who family and recently started watching all of yours and daves videos and got fired up to get completely out of debt. I’m 30 and husband is 34 and pacing to be completely out by next year God willing 🙏🏽

  29. Mimitos Mimitos says:

    What we need to ask ourselves is: what’s in our minds that make us want to go shopping for things that we don’t even need. Maybe we try to fill some empty spaces in our hearts or the anxiety level is too high.

  30. Mimitos Mimitos says:

    Jesus Christ didn’t have a car.

  31. Mimitos Mimitos says:

    Less is definitely more.

  32. Mimitos Mimitos says:

    Whatever We don’t use, we should give it away throw away

  33. Zane West says:

    Have an Ferrari would bring me a great value lol

  34. A Daly says:

    "Contentment is something you have to find…" I'm reminded of that Jack Prelutsky haiku about a mouse: "If not for the cat/And the scarcity of cheese/I could be content." We humans can come up with an excuse for discontentment, no matter the situation! I think minimalism is just about finding joy and contentment in the metaphorical cheese we already have–or thoughtfully curating the cheese we allow into our lives. Which makes me want to go out and get some nice brie, haha.

  35. Brad Ellin says:

    Adopting the minimalistic lifestyle is what led my wife (and eventually me) to Dave Ramsey and in turn Rachel Cruze.

  36. A Viewer says:

    Your sellout endorsements take away from your message.

  37. nandita nandan says:

    Main [email protected] second

  38. Samantha Crouch says:

    YES! and YES! Love your boldness! and your love of "Jimmy Choo?" 😉

  39. Action Jackson says:

    Buy experiences with cash, not stuff with credit!

  40. Sumita Singha says:

    sorry I don't understand- you sold Jesus, pre-packed food, insurance to us first…..

  41. donna wilbur says:

    LOL I rather the long term desire of an item than the item it's self now. I have a story much like you but it was a dishwasher that only got used a handful of times before we moved offgrid 🙂

  42. Maria Gradilla says:

    When I throw stuff away I feel bad 😞

  43. Indigo Awakener says:

    Nothing physical will Ever fill the God shaped hole we all have until we discover the God within….. then you don't care about or value physical "stuff" anymore….

  44. Patti Z says:

    I own higher quality items but less too. I love the packing party idea, although I lived it for real as I was living with a lot of debt at one point. I had to move quite often and lose "stuff" and I had children. It may be forced, but eventually they understand bc I think they have a better relationship. It's more about the connections and experiences in life…and also it doesn't spend as much money as a result.

  45. J. B says:

    You like Netflix?! I’m outta here

  46. Jo S says:

    Rachel, thanks for having the minimalist guys on. Im learnin so much from you.

  47. May Yang says:

    Omg! Five minutes into this video was pure torture! So many other great videos out there with better content! Too much blab.

  48. dj smith says:

    enter Christopher Walkens son!

  49. Everything Under the Sun says:

    Minimalist 💙💙💙

  50. GEM says:

    Stop screaming. It’s a bloody label that illustrates the concept of saving. U guys make it a fad. Being stingy and poor is uncool but oh minimalism is sheek. Making stingy cool …. cool 😎

  51. Elizabeth Davison says:

    I thought there will be more show than talk, disappointed

  52. Ericko EV says:

    God is everything! I love that!

  53. Ericko EV says:

    How many infomercials do you do!? Geez

  54. Justin Scherrer says:

    "Don't own so much clutter that you will be relieved to see your house catch fire" (Wendell Berry). This has slowly become my philosophy over the last few years. Thanks, Rachel for the added encouragement.

  55. Chad Redling says:

    1 John 5:19 That's who set the standards today Rachel. Nice information BTW.

  56. Ma Bo says:

    Omg you are so annoying. I couldn’t event finish the video.

  57. jules says:

    Time to clean house😂

  58. JessieBunnyy says:

    I love the Minimalism documentary! It's fascinating that you are inspired by it cause the director of that documentary started his minimalism journey when he was facing financial problem and he read your father's book (which then resulted in him in downsizing and the minimalist lifestyle). Everything comes full circle!

  59. FoodShowFan says:

    Her husband Is so sweet~

  60. FoodShowFan says:

    Wait, what the heck is happening? Commercials within the YouTuber, that took me a second to realize

  61. Trish R says:

    I love the minimalists and was stoked to see another interview…. and I made it 5 minutes… during the screeching of the shoe story I tuned out. Hard pass.

  62. Good Good says:

    Is Home Chef being minimalist?

  63. Elsa Romero says:

    I go consignment for anything and I donate what I don't use… Items have more than a monetary cost we deplete our Earth's resources plastic, water and it pollutes our oceans if not disposed of properly. And yes it is less stressful you don't lose your things under all the clutter.

  64. Lucinda Jacobs says:

    Get on with it

  65. ralofkuliouou says:

    You are so cute!!! You are your father’s daughter. I am a fan!

  66. AKEWSD says:

    All those useless decor bothers me and yet she is preaching about minimalist. Solutions: mural or lighting

  67. jerico40cal says:

    Good lord your voice sounds exactly like princess poppy from trolls! Great video.

  68. Kalandr Youtube says:

    When I called +13043620019 it took me a very short time to resolve my issues, the staff looked for a positive response whenever I called them. It was very unusual and bizarre in the beginning. They were so helpful and polite.

  69. Mr Anthony says:

    10minutes of padding…

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  72. Y.Y. Shin says:

    She reminds me robin from how I met your mother

  73. Alfienyka Butler says:

    Amen! Jesus was a minimalist.

  74. Fatii C says:

    PREACH SISTER!!! Since I've started my debt free journey (6months ago) I've started to clean up all aspects of my life and more importantly I've NOT BOUGHT ANY STUFF SINCE!!! ive felt so liberated!!!

  75. Jennifree Eh14 says:

    My Toyotas corolla lasted me 16 years!! Awesome car choice🙌 how do I be a minimal is with my prepps and outdoor/bug out gear and kit?

  76. A .L.L. says:

    Im not Christian, but im embracing the minimalist lifestyle. Through Buddhism. Its my path i love both.

  77. Lyz Owsley says:

    You should check out the Minimal Mom.

  78. R C says:

    … stuff doesn’t make you happy… so true🙂

  79. Buysome Bitcoin says:

    Never heard of a pair of pants that only last one month.

  80. Laura Joiner says:

    Amen! I found out about these guys and watched their documentary. So cool you have them on the show!

  81. Lafamiliaburron says:

    Marie Kondo and Dave Ramsey have kept our home and life in check! I couldn't be more grateful.

  82. Meira Avrahami says:

    HomeChef? Are you serious? Minimalism isn't just lack of "stuff." It's trimming your wasteful habits. 1. you have a beautiful home, better than most people, you have no idea what "minimalist" really is. 2. you obviously have at least a small yard, GROW YOUR VEGGGIES and FRUIT instead of getting it delivered pre-measured. OMG[osh]. 3. learn to cook by figuring out what you need instead of paying for someone to do that. Instead of zoning out in front of Netflix, make cooking a fun activity now so that when the girls are old enough, you can introduce it to them. I am really and truly gobsmacked about that HomeChef thing. I have no words.

  83. Meira Avrahami says:

    I love how the Minimalist set is full of tchochkes in the background. haha

  84. Dawn Morandin says:

    Having food delivered to your door because you are too lazy to shop and cook is not good people.

  85. Marisol Castellano says:

    That's right Rachel… JESUS is the only one that fills us not earthly possessions!! 🙂

  86. Martha Castillo says:

    SO GOOD!!! <3

  87. John Tiedemann says:

    Can you please tell me how can I join the community😁!?

  88. Dàsarae Power says:

    She remind me of her Dad Ha Ha😊😊😊

  89. Chris Garner says:

    If you think about it, Jesus was a minimalist. He did not have a lot nor wanted a lot and taught you how to live a simple life. Is it hard, yes but the reward is amazing.

  90. K N says:

    If the KonMarie all at once style doesn’t work for you try FlyLady. She doset talk only about getting rid of things but how to keep everything in order. Not only your things but your live! She doesn’t talk about minimalism, but it can lead to this.

  91. Michael Lewis says:

    I finally got onboard. I have lived in my house for 28 years and things just creep up. My daughter had to move home so instead of putting her and her cats in a small bedroom we decided to clear our our large family room. My wife pushed me but the more I got rid of the freer I felt. An unbelievable amount of stuff was thrown out or given to charities. I then tackled my other stuff and keep feeling better and better about less. While my spouse hasn’t joined me with the same vigor she has gotten rid of several large garbage bag clothes. If everyone got on board in our house my stress level would likely be very relaxed.

  92. Michael Woods says:

    So much stuff–in our bathroom seats? Did I hear her right?

  93. Stephanie Ellison says:

    Amen!!! So glad you said that only Jesus will satisfy!!! ❤️

  94. Katrina Kriess says:

    Lol, you just described, my house. Stuff everywhere.

  95. Julia O’Donnell says:

    God bless this message
    Thank you for being bold and unapologetic with your faith in Jesus
    I commend you 👏🏼👏🏼👏🏼👏🏼👏🏼👏🏼👏🏼👏🏼

  96. Paula Boynton says:

    Um….what are you wearing? It looks like a hospital gown. Hahahaha

  97. Kristina Tonioli says:

    You’re a young woman version of your dad & I love it!!! Lol God bless your family ♥️

  98. Kelly Pagano says:

    I’m gonna adjust her relationship with Jesus to fit us non-Christians out there. I think the Ramsey family’s Christian foundation is wonderful. They are obviously a loving and giving family who puts their faith and family first and I love that. It is clearly working for them. They have helped millions of people. I must say though, whatever your own personal relationship with god is, that can work too. Whether you’re Hindu, or Jewish, or Muslim or Taoist or Buddhist or agnostic or whatever… the basic fundamental tenants they take from the Bible and use as the foundation for their way of life exists in every one of the major faith systems out there and there is a reason for that. Because it IS the foundation of healthy and fruitful human relationships and finding contentment and peace within yourself. When you give and live in service to others, you fill those empty holes in yourself and grow and expand your connection to whatever the higher power you believe in is. Or If you don’t believe in one, at the very least, if you live that way it will make you feel good to make others feel good.
    When Dave Ramsey talks of god “speaking” to him, I have felt that before. I see it as listening to the universe for me. The thing out there that I don’t have a definition for or a true name for, connects and binds is all. When you open yourself to it, whatever name you give it, you do feel more connected and centered and if you let it guide you when you feel it, you will notice stress and anxiety leave from you like a clogged drain pipe that finally gets snaked out and everything just flows. There are good teachings in the Bible we all can learn from regardless of your faith. Data as Dave says, doesn’t lie. The facts are the facts. People live longer, healthier, have better relationships, grow wealth easier, and change their lives for the better when they live in service to others and to the betterment of all. When you treat yourself like you matter, and treat others the same, you will find the good things and changes you want to happen in your life start to happen. It’s amazing how that works. So yes. Even if you are not Christian, you can win. Just replace god and Jesus with whatever you call those powerful forces in your life and belief structure. It works.

  99. NaturalCheapTraveler says:

    Travel, then you naturally start becoming a minimalist. I only own the clothes in my backpack 😂 soon to settle down with only what is in my backpack

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