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The #1 Lie That Will Keep You in Debt

By Rachel Cruze

3 Minute Read

You ever had one of those days?

You can’t seem to get ahead with your money. Maybe you got into an argument with your spouse. The kids got a bad report from school.

At the end of the day, when you lay your head on the pillow, you might feel beaten up and overwhelmed. You might feel like you’re never going to get to where you want to be.


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But here’s the truth: You will.

One of the top lies we tell ourselves about money, and life, is that we’re never going to make it. We’ll never get debt free, never be able to afford a house, never pay off the student loans.

But you will.

Now is a great time to refocus. If you’ve had some bumps in the road during the summer, let’s get things back together as we move closer to the end of the year.

Here are three things I want you to remember:

1. Your patience will pay off.

The old saying goes “Rome wasn’t built in a day,” and you’re not going to get out of debt overnight either. We’ve helped millions of people make a plan for their money and get out of debt—from just a few thousand dollars to millions of dollars. You can be one of them. And once you pay off that final debt, I promise you’ll be so relieved you stuck with it.

2. You’re going to make mistakes.

We all mess up. When I was a teenager, I bounced a check. Dave Ramsey’s daughter bounced a check! Yes, it was embarrassing, but I learned from it and moved on. When you make a money mistake, don’t beat yourself up over it. That’s an easy way to lose motivation and feel like you’ll never get to where you want to be. And as long as you decide that’s not true, then it’s not true!

3. Your sacrifices will be worth it.

You might not be able to go on vacation for a year or two, or you might have to sacrifice eating out for a while. But guess what? All of that is temporary. And those temporary sacrifices are going to set you up for long-term success. Keep your eyes on the big picture.

Don’t buy into the lie that you’re not going to make it.

"Don’t buy into the lie that you’re not going to make it." -Rachel Cruze

I wouldn’t be doing what I’m doing today had my Dad given up when he went bankrupt and lost everything. He pushed through the difficult times and came out on the other end with a smile on his face. That’s how it’s done.

You can do the same thing. You’ve got this!

Rachel Cruze is a seasoned communicator and #1 best-selling author, helping Americans learn the proper ways to handle money and stay out of debt. Her upcoming book, Love Your Life, Not Theirs, will release in October. You can follow Rachel on Twitter at @RachelCruze, online at, or at

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