How Much Cash In the Bank Is Too Much (or Too Little)?

Rachel Cruze February 12, 2025
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Rachel Cruze

@rachelcruze

About

Hi, I’m Rachel! I love Jesus, pizza and the Enneagram, and I’m the host of The Rachel Cruze Show—which you’ll find here on YouTube, on Facebook, and wherever you listen to podcasts. I teach people how to get out of debt and win with money. As Dave Ramsey's daughter, I was taught from an early age how to give generously, spend wisely, and save for the future. I understand the dangers of debt and have seen firsthand the damage it can do. Learning how to tell my money where to go using a budget was a game changer for me. I found that the more I did it, a budget didn’t limit my freedom—it gave me freedom. And I’m passionate about sharing that so you can experience that freedom too! Since then, as a Ramsey Personality, I’ve written four bestselling books and met people from all walks of life who just want to get their money under control. My message is simple: I want you to take control of your money and create a life you love!

Video Description

📈 Are you on track with the Baby Steps? Get a free personalized plan. https://ter.li/fls0gk Cash in the bank is great, but is it ever possible to have too much? In this episode, find out what to keep in your checking and savings accounts and how to maximize your money so it works for you. Next Steps: 🎥 Watch my video 22 Expenses to Cut That You Won’t Even Miss: https://www.youtube.com/watch?v=P89YrFqbG00. 💵 Sign up for EveryDollar today to create a free budget! https://ter.li/expyc1 Connect With Our Sponsors: 🏥 Learn more about Christian Healthcare Ministries today! ⮕ https://www.chministries.org/budget 🔒 Get 20% off your DeleteMe plan when you join. ⮕ https://www.JoinDeleteMe.com/Rachel Listen to More From Ramsey Network: 🍸 Smart Money Happy Hour ⮕ https://ter.li/dorhqm     🎙️ The Ramsey Show ⮕ https://ter.li/255573  💸 The Ramsey Show Highlights ⮕ https://ter.li/hiyq7n  🧠 The Dr. John Delony Show ⮕ https://ter.li/htmm6g  💰 George Kamel ⮕ https://ter.li/d9vd8q  💼 The Ken Coleman Show - Highlights ⮕ https://ter.li/94hq0v  📈 EntreLeadership ⮕ https://ter.li/bz63zt  Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy Products: Love Your Life, Not Theirs https://store.ramseysolutions.com/money/books/love-your-life-not-theirs-by-rachel-cruze/ Rachel Cruze Wallet in Camel https://store.ramseysolutions.com/money/budgeting-tools/rachel-cruze-wallet-camel/?medium=product+shelf&source=YouTube Baby Steps Millionaires: https://store.ramseysolutions.com/money/books/baby-steps-millionaires/?utm_medium=product_shelf&utm_source=youtube I'm Glad for What I Have by Rachel Cruze: https://store.ramseysolutions.com/youth/children/im-glad-for-what-i-have-by-rachel-cruze/?utm_medium=product_shelf&utm_source=youtube I'm Glad for Where I Am: https://store.ramseysolutions.com/youth/children/im-glad-for-where-i-am-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf I'm Glad When I Can Share: https://store.ramseysolutions.com/youth/children/im-glad-when-i-can-share-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf EveryDollar Premium Version Physical Gift Card: https://store.ramseysolutions.com/money/tools-and-apps/everydollar-premium-version-physical-gift-card/?utm_medium=product_shelf&utm_source=youtube Know Yourself, Know Your Money: https://store.ramseysolutions.com/money/books/know-yourself-know-your-money-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf The Total Money Makeover: https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/?utm_medium=product_shelf&utm_source=youtube Financial Peace Kids: https://store.ramseysolutions.com/youth/children/financial-peace-kids/?utm_medium=product_shelf&utm_source=youtube

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