- Getting out of debt is possible!
And I'm here to tell you that you
can love your life while doing it.
(upbeat music)
- All right, when you hear the words, "debt-free,"
what do you think?
Some of you are thinking, "That's impossible.
That can happen to other people; that cannot happen to me."
Some of you are like, "Oh no, it's happening.
I'm doing it, I'm on the debt-free journey,
and it's going to happen."
Some of you are sitting there like
"It is one hundred percent possible, because I am debt-free."
But, here's the deal. No matter which camp you're in,
it is a counter-cultural way of thinking—
of living debt-free—living without debt—
not ever going into debt; that is so weird!
But here's the deal: many of you guys watching
probably have debt, and in order to get out,
it is going to take a lot of work.
Because you can wander your way into debt;
you cannot wander your way out.
It is going to take sacrifice. It's going to take discipline.
But it is possible, and it is so worth it
to have no payments and to be debt-free.
But while you're on this journey,
you're going to hear some lies out there
like, "Yeah, you cannot get a nice used car
It's just not out there."
You're also going to hear, "You cannot have any fun
while you're getting out of debt.
It's a miserable life you're going to be in."
You're also going to hear, "There's no way
that you can eat healthy without spending a lot of money
and going into debt for it, like, there's just no way.
There's no way you can eat healthy."
But listen, we're going to bust all of those myths,
and we're gonna bring a couple on
who's in the middle of their debt-free journey,
and they are having a lot of fun.
Trust me, you'll see.
And I'm also going to bring on my friend and dietician
Jenna Waters to help us learn how to grocery shop
and eat healthy on a tight budget.
Now, one common thing I do hear from people a lot
is that they really believe that everyone else—
their friends, their family— they have it all together
and that they are the only ones who are stressed
and struggling with money, which is a lie.
(soft music)
Last year, I was at a speaking event in a
book-signing line, and this girl came up,
and I was signing her book, "Love Your Life, Not Theirs."
and she was like, "Rachel, I can't wait to dive into this,
but I have to tell you I'm living paycheck to paycheck."
And I looked at her, and I gave her the biggest hug in the world.
I said, "Girlfriend, listen;
that's not going to be your story soon.
Because you're going to learn how to budget.
You're going to get out of debt.
It's not going to be you forever.
But you're like a majority of people. Why are you whispering? It's OK!
It's OK to claim where you're at,
because you're about to change.
Because the majority of people,
they don't have it all together you guys, OK?"
The Joneses are broke.
78% of Americans live paycheck to paycheck.
The average family in America has $15,000.
On average, more baby boomers are still paying
off their student loans than millennials, OK?
This is normal.
The average car payment in America? Close to $500.
This is where people are living.
That is normal, but you, my friends,
you are going to be weird.
You're going to start down this debt-free journey.
You're going to look different than everyone else,
but that's OK.
You don't have to believe the lies
that your life cannot be enjoyable while you're getting out of debt.
Because it can be,
and this is what this show is going to be all about.
All right, coming up next, we're going
to debunk the lie that you can't have a nice used car.
(light music)
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All right, the myth out there that I hear all the time,
"I can't buy a nice used car for my family."
And I also hear people say, "Oh, I can't buy an affordable, safe car.
I have to have a safe car for my family."
Listen, people; you can buy a nice used car.
I am telling you that,
actually, the Lexus SUV I drive is 10 years old,
and it's beautiful. She's gorgeous; trust me, OK?
You can buy a nice used car.
A lot of people say, "Oh, well, you just have
to spend tens of thousands of dollars."
Trust me; I have seen plenty of nice,
even luxury-brand cars, if that's what you're looking for.
Please do not buy into the lie
that you have to go buy a brand-new car.
No! There are plenty of people who have had
nice, used, luxury-brand cars,
again, that they pay for with cash.
Just go on Facebook Marketplace or Craigslist
or take a look at a few of these cars that we've found.
Yeah, these great cars. Guys, it can be done.
And maybe you're currently negotiating for a great used car.
Well, if that's the case, click the link below
for a video to show you how to do it.
All right, let's break down the idea
that you cannot buy a safe car that is affordable.
People, our safety meter's gone a little crazy these days.
Can we just say that?
I want you to go ask your parents
how they drove around when they were kids, yeah.
This is probably not a great example to use out there,
but I remember going to my grandmother's house.
And we used to have this huge, blue van,
and my sister and I would sit in the floorboards
with our big bins of Barbies. And we'd sit there and play all the way
to my grandmother's house.
Now, I don't recommend that, but I feel like people
believe now you have to have like 18,000 airbags
and, like, 16 buckles for your kids in their carseats.
So listen, your car's going to be safe
unless you buy one that's made before 1978 or something.
Everything is going to be OK.
You do not have to go buy a brand-new, luxury SUV
the moment you have a baby, OK?
We're all gonna be good.
And listen, here's a top-five list
of the safest and most reliable cars
that you can buy for under $5,000.
Ready?
A Honda Civic, great car.
Honda Accord, love it!
Toyota Camry, mmm hmm.
Toyota Corolla, yes.
and Toyota Avalon!
Toyota, man. My jam.
I love Toyotas.
They're the best, and they last forever, people.
I don't get commissions on Toyota sales,
but I love it. I really do.
OK, so now, here are some examples of ads
that we found on Craigslist and Facebook Marketplace.
Here is a 2003 Toyota Camry.
Here's a 2005 Honda Accord And you know what?
I bet you can talk them down to $4,000 if you had cash.
That's right.
OK guys, that just took us, like, an hour to find these cars.
You can actually take time and research,
and these sites are constantly updating.
So you can find a great car.
Now, keeping our family safe is very important
when you shop for cars, and it's just as important
to keep your family safe at home.
It's another misconception that home
security has to break the bank.
SimpliSafe starts at just $15 a month,
and there's no contracts, there's no long-term commitments.
You can customize it for your home
and get exactly what you need for your family.
I'm telling you it is so easy to set up,
and you'll have it up and running in no time.
Winston and I love the fact that it's easy to monitor
on our phones while we're out on the go.
It's one of the best investments
that you can make in keeping your family safe.
And we all like to save money, right?
Having an alarm system can actually save you
as much as 20% on your home owner's insurance in a year.
So, to start protecting your home and your family,
head to SimpliSafe.com/Rachel.
All right, coming up next, I'm going to debunk the lie
that you can't have fun while getting out of debt.
I'm going to introduce to you a couple
who is having so much fun while paying off their debt,
so check out their story.
(light music)
- I was just living a life that was just,
you could just feel the weight of the world on my shoulders.
I just started getting fed up with the way things were.
- We just didn't feel like we had any freedom,
and I also didn't really know where was,
we had this money, where is it going?
- We were trying to get to a place in life
where we can breathe!
- Our church, they just put up on the screens,
hey, we're doing Financial Peace University.
- We just looked at each other
and said, hey, we just gotta do it.
It was almost as a matter of fact!
It was something about the words Financial and Peace.
It was perfectly named, it really was,
because I wasn't having peace,
our finances weren't; there was nothing peaceful about it.
- And even though it was hard coming to terms with
OK, we need to make some really big changes here,
it felt hard.
- But we were up for it. -Yeah.
We were like man, because what we
were doing was just not working.
Once we got through Financial Peace,
we immediately, the BMW had to go, the motorcycle had to go.
- If we hadn't used it in the last month, we're selling it.
And we did.
- We started just -Snowballing.
paying everything off, snowballing.
As that was happening, you could feel the freedom.
- Oh, it felt amazing!
It still feels amazing! - It still feels pretty good.
Watching Dave's YouTube channel,
and you're constantly seeing people
screaming their necks off like, "I'm out!
I'm free!
Debt Free!
- Yeah, you want to be those people!
- You want to be those people so desperately!
There's a sacrifice in the beginning that you have to make.
- But the thing was is that our goal,
we didn't want to go back to where we were,
so making that sacrifice for that short
amount of time was completely worth it.
This is our new excitement in life.
You know, the cars and the stuff and all that—
that was fun—but this is
more thrilling, because - This is better than that.
- we're achieving something phenomenal.
- Yeah, we're on Baby Step 2, so
there's still a journey to go, but man,
we're not where we used to be.
- Well, thank you guys so much for coming in.
- [Both] Of course!
- Your story I love so much, so
to kind of jump right in, you guys are currently on
- Baby Step 2.
- Yes, yes we are!
- OK, so take me a little bit before the journey.
- I was just, literally, remember being
every time we swiped the card,
the pressure, it was like a knife.
I was like, I'm not sure we should be swiping this card.
- And how did we get here?
How did we get in this position with all this debt?
And we don't know what to do.
- Yeah, so how much debt did you guys have?
- So, we had about $92,000 in debt after all this,
- And what was it?
Was it credit cards, student loans? What was everything?
- Oh, all of it! It was credit cards, student loans, we had
- Cars.
- cars, motorcycles, I mean we would just, you know?
- So, everything you just listed to me,
you're like, "Cars, credit card debt,"
which is probably a lot of stuff.
"motorcycle, everything."
From the outside looking in,
just looking at you guys, you guys probably, like,
looked like you had it all together, though!
You probably had some great stuff.
Did you look good to people that didn't know the money situation?
- We looked normal.
- We looked like all of our neighbors.
But we didn't realize how bad we were in debt
until we sat down and we listed everything.
And I cried. I was like, "Wow."
- And then you think you're doing good because
every couple of weeks you pull out a pencil and paper
and you're writing down numbers to make sure
you can pay the bills but paying the bills,
that's just not enough to pay the bills.
You're status quo. You're not getting anywhere.
- Yeah, so you guys got to a point with your money
that you're like, "OK, we're just, like,
piecing things together, we're trying to pay the bills,
we're starting to feel the pressure,
we're feeling the stress." What was the moment
that you said, "We have to change and do something different?"
- Well, I think it was at church. -It was at church.
It definitely was at church, because, you know,
you walk in there just feeling, like—
- Heavy. - heavy-hearted.
- You're praying that God comes
and reveals Himself that Sunday—
physically—to pull us out of our situation.
- Which He did.
- Which He did!
(laughing)
- It came up on the screen—hey, we're doing
our next course of Financial Peace University,
and at the end of it—
- Are y'all nudging each other?
- Well, Jeremy was like, "Babe,
- [Both] Financial Peace!
- It was just like the perfect word.
Financial
- [Both] Peace.
(laughing)
- Put them together!
- They don't go together, but they should.
- Yeah, they should go together, because it is.
We're like, "Alright, let's sign up," and we did.
- And we did.
- We got in there, and I was a little bit apprehensive,
because I always thought I was a good budgeter.
- Yeah. Yes.
So what did budgeting look like for you?
When you thought, "Oh, I'm a good budgeter," what did that mean?
- It was, you know, write down my bills, what had to go out,
what's left, and how do I allocate that money?
And that's easy to do when you're single
and you're young, you don't pay rent.
- During Financial Peace University,
what were your big "Aha!" moments of, like, "Oh, wow!
We can do this," and, like, "Oh, we're doing it wrong."
What were your thoughts?
- An "Aha!" moment for me was,
we are sending other people all our money;
why don't we have any of that?
- It's Christmas for everybody else but us.
(laughing)
- You take some money!
You take some money!
- Yeah, it was tremendous. It was, first,
the feeling of my God, why didn't
I know this information sooner?
- Yeah.
- The weight of the gravity of that just hit me, like,
my God, had I done this even a couple of years prior—
a few years prior—what a game changer.
- Even before we bought our cars and the motorbike.
Before we bought all that, we wouldn't have done it.
- But we, fortunately, had a great coach,
and he said, "Hey, that was then. You know now."
- [Rachel] That's right.
- Yeah, exactly.
- We drew the line in the sand
and said, "OK, here's the game plan."
- And where are you guys at right now?
How much have you paid off?
- Just about $70,000.
- You guys, seriously! -Yeah!
You're way down the road!
- Yeah, we got rid of those big ticket items.
That was—
- So, you sold cars.
- Sold cars, - Oh! Got rid of the BMW,
- sold the motorbike— - dropped the motorcycle—
- [Rachel] But was it hard selling the cars?
Because we tell people, we're like, if you can get it—
- We did the math, and I think the cars
was what we struggled on—the motorbike
and the car was what we struggled on—
because we had a beautiful BMW,
- We got caught up in the luxury and the lifestyle,
- And the Harley's fun, and driving the Beemer's fun!
- You're going down the highway and all that stuff,
but then, we did the math, and the math became
more attractive to us than the vehicles - Exactly.
- and that lifestyle that we were leading.
We wanted a more enduring lifestyle—
a more permanent situation.
- You guys are killing it!
Seriously, you've made such progress,
and you've made the sacrifices!
We talk about when you go into debt,
you can wander your way in, you cannot wander your way out.
- No. - Correct.
- You have to be intentional. You have to have sacrifice.
So, what has life looked like in Baby Step 2?
Have you had fun in Baby Step 2?
- Absolutely! - Yeah.
Honestly, part of the fun is seeing
that you're getting out of debt.
Seeing the reality of, I'm not straddled
by that huge amount of debt.
It's so close.
- It's exciting!
We find that we're doing more now than we were before,
and it takes more planning. Absolutely.
But there are so many things you can do for free.
There are so many ways you can get discounts.
We're always online, hey, let's sign up
for that email, and we can get 20% off.
- Yes, that's right.
You can't always be as spontaneous,
but you get to do all this other free stuff.
- Exactly! - And it makes you get creative, too.
So what are the favorite things that you guys have done
with the kids while in Baby Step 2?
- I think, sometimes, Rosanna's really good about,
we'll pack some lunches,
so we'll go explore different parks.
- Yeah, we'll Google recreation centers.
- We'll go take pictures of the family—
just stuff that's building us
and hasn't cost us anything but
- Gas! - gas.
- Which is in the budget!
- Which is in the budget; it's already pre-planned.
- There are ways— everyone's like, "Oh, well, don't you
just want to go out and have coffee together?"
We've got KeepCups. We'll pack a hot coffee
or a hot cup of tea with us, and we drink it in the car
instead of going through the Starbucks drive-through
and spending $10. And then they want a snack,
so you buy a snack, and it just goes up.
Well, hey, we packed great snacks,
and we packed great coffee that probably
tastes a little bit better than what we were going to pay for.
(laughing loudly)
- You're probably a great coffee maker.
- And we still have that experience
of going out and eating out. We're just
not giving other people our money.
- It's actually a better experience,
because, one—something about being intentional
enriches your experience for your family,
because you're thinking about your family.
You're thinking about the experience you're going to have.
So when you're intentional, it just
elevates your overall experience,
and we're another day closer to being 100% out.
- That's such a good point, because you know, mentally,
that you're taking care of your family
on a deeper level than ever before. -Yeah, absolutely!
You're setting them up for this incredible future,
so it's, like, when that foundation is laid,
the immediate and the present is so much richer!
- It's fun; it's exciting!
I know this might sound weird, but at the end of the weekend,
I love having money left over.
(laughing)
That we budgeted the money, but we didn't spend it!
And that's so exciting, because then, we save that.
- Rosanna's been great using the app, so that's been—
- I'm like wait, this gotta go in there,
I need to put that in, everything's good!
- We got it!
- Yeah, for EveryDollar, do y'all love it?
- EveryDollar!
- It saves our lives every day.
- Absolutely! And I love, "Oh, OK, I've got this left,
OK, yeah, no, I've paid that bill."
- It's very clear. Here it is.
If she made a change, I pull out my phone,
"OK, cool. Just checking— making sure you're good.
OK, cool. We're good."
- So what would you say to someone—
because there's people watching right now,
and they're thinking, "Oh, wow. They had $90,000+ in debt,
they're getting out, but they're doing it as a family—
what would be your encouragement?
What would you say to someone that
is sitting here, watching you guys?
- I would say, "Stop.
Stop thinking; just do it!"
- Do the plan.
- Just do it!
Put everything about your worries,
oh, I'm not gonna have this,
I'm not gonna have that. Don't worry.
You can get it back.
Just stop overthinking. Go do Financial Peace.
- We want to be the ones victorious.
We want to scream.
That was getting on me so much!
I was watching Dave's YouTube channel,
and everybody's screaming. I was like, "I wanna scream!"
- I want to scream, "I'm debt-free!"
And you will, you guys! Isn't that crazy?
Yes, you're so close!
After you come do your debt free scream,
come back on the show,
- Yes! - Absolutely!
- and I want to hear all about it,
because if you're so happy now,
I can not wait to see how excited you are--
- Yeah, we're going to be screaming.
- Yeah, it's going to be loud.
- Well, seriously, you guys are such an encouragement.
For families watching, for people that don't think they can,
or people that are in the middle of the journey,
you guys are living it out, but yet
you are enjoying life and in a deeper, richer way
than with BMWs and motorcycles on payments.
- Exactly. They may look fun, but this is way funner.
- This is much better.
(laughing)
- Take a breath, Babe, take a breath.
- I can breathe better; I'm starting to breathe.
- Oh, I love it!
OK, guys! If you want this, seriously, click the link below.
Go to Financial Peace University, sign-up,
check it out, because it is the proven plan—amazing—
and you guys are living proof of it.
- Absolutely! We vouch for Dave Ramsey!
- Do it!
- Financial Peace!
- Uncle Dave! Thank you, Uncle Dave!
(laughing loudly)
- Thank you guys so much for coming on.
Seriously, fantastic.
All right, coming up next is my friend
and dietitian Jenna Waters.
She's going to show us how you can actually eat healthy
without spending a crazy amount
of money, because it is possible.
(upbeat music)
(door slams)
Guys, let's be real.
Being a parent is hard work.
Now that I have two daughters of my own,
it feels like the to-do list never ends.
And as every parent knows, your priorities change,
and you have to make important decisions
for your child's future.
That's why term life insurance is a must for every parent.
It's so easy to get, and it's affordable.
What you're looking for is 10 to 12 times your annual income
to make sure everyone in your family's taken care of.
Winston and I use Zander Insurance.
They do all the work for you to
find the best prices and options.
So go to zander.com to get started on a quote today,
because that's who we trust to take care of our family.
Well, thanks for coming back, Jenna!
- Thanks for having me again. It's fun to be back.
- Well, back by popular demand, you guys, she's here
to give us all the secrets, because there's a huge lie
out there that you can not eat healthy on a budget.
And so people getting out of debt,
everyone's budgets are really tight
and like, "Well, I still can't eat healthy with my family."
- Sure.
- But that's a lie!
- It is, and it's so easy to believe,
because it seems like drive-through meals would be
a whole lot cheaper, because they're not that expensive.
But then, when we actually calculate it
and look at the food—
- I know! So you were telling me about this!
This is so fascinating to me.
- It is crazy.
We did a little experiment. So we went through
the drive-through and got a kids meal.
This kids meal was about $3.29 for a cheeseburger
kids meal, french fries. And then, I made it at home,
so completely different ingredients.
The ingredients are almost not comparable in terms of health,
so these are just oven-baked french fries with avocado oil.
This is a grass-fed burger
and a homemade sprouted grain roll.
So this was $1.75 to make at home.
- Seriously, per serving?
- Yeah, so half the price and, literally,
so much better nutritionally.
- Yeah, so much better for you.
So great. And you have such a great system in place,
so tell us about that—how families
out there can eat healthy on a budget.
- Sure, so ultimately to eat at home,
we have to set-up rhythms.
Otherwise, it just gets so overwhelming.
I mean, we've all been there.
And so, I say you have to plan, purchase,
and prepare, and that's a weekly rhythm.
So choose a day to plan, choose a day to purchase,
and choose a day to prepare.
- Now, I do this, Jenna.
I'm a planner.
I don't know about the rest of the two steps,
but I am. I am. I'm a planner.
- That's huge!
- So what do you recommend?
- And that makes all the difference.
I often try to make something at the beginning
of the week that I can use all
the parts of—again, to maximize the budget—
and then use in different ways throughout the week.
So this is an example.
This is just a whole chicken right here.
And this is something that's super easy to put in
something like the Instant Pot or the Crock Pot,
and then we'll eat that for dinner one night.
And then, as soon as we take the meat off of it
and eat that for dinner, then I'll throw the bones
back in the Instant Pot with some carrots
and celery and onion—just super quick—
and then, I make homemade bone broth,
which is super nutrient dense.
It has a lot of good collagen and good protein
and gelatin in it. And then you're using
all the different parts of the food.
And so you're maximizing that food to its fullest potential.
- I love that.
- And so being that the whole chicken
is cheaper by the pound also means that the chicken thighs,
certain cuts of chicken, are gonna be cheaper,
and that makes a huge difference.
So one of our favorite things to do
during the week is a pulled barbecue chicken.
I used to do it with chicken breasts,
but then, when I realized, hey, we could save some money
by doing chicken thighs, I tried chicken thighs,
and it's actually better, because it pulls so much easier.
It makes a really juicier chicken meal.
And so that on top of sweet potato with some barbecue sauce—
- [Rachel] And then cilantro.
- [Jenna] Yes, it's just a yummy—it's so easy,
and just little tweaks makes huge difference.
- So good with the budget.
- So that's something—a super simple transition.
Same thing for beef.
I find that meat is one of the most expensive categories.
So we looked up a local farmer, and he sells
100% grass-fed beef for $4.80 a pound,
and in the state of Tennessee,
if you're buying directly from a farmer,
you don't pay sales tax, so you're automatically
saving a percentage, and that goes
for a lot of different states.
So that's almost half price for a better-quality product,
you're supporting local farmers, and that's huge.
It tastes so good, too!
Another category of where we can
save money in the grocery store is dry products.
So things like beans, flours, sometimes even spices,
and so that dry section of the grocery store
that has all those big bins on the wall,
I would always just walk by them
and wonder who goes in that area?
- Who does that with all the beans?
(both laughing)
- Yes, lots of bins of beans.
But interestingly enough, if you look at black beans,
these are organic black beans, so
a pound of those is $1.99 a pound from the bins—
from the dry bins that you get yourself.
Right, and you usually weigh them,
but for the bagged beans—the same amount—
one pound is $2.99 a pound.
So you're paying literally a dollar extra for the bag.
So just scoop your own beans.
- I literally do walk by, and I'm like,
"Who goes to that beans? Like, look at all the beans!"
- Raw cashews, what is that?
- But they're saving money.
- They are.
They know something that we don't know.
- And now, you know, guys.
(laughing)
- So then over here, we're going to go to
the produce section.
- [Rachel] Fruits and vegetables.
- [Jenna] Fruits and veggies, right.
And so, one thing—this is super interesting.
This is a container of pre-sliced apples.
It's five bags of pre-sliced apples.
The whole container's 11 ounces, and it's $6.99.
- $7.00 for the apples.
- Yeah, exactly. Just because they've sliced it for you.
But then a whole bag—a three-pound bag—
of organic apples is $5.99.
So you're getting almost triple the product—
well, quadruple, really— for less of a price.
Then, we think about what produce—
a lot of times when we think about health,
we think about, hey, do I want to buy organic,
should I buy non-organic?
Oftentimes, we wanna buy all organic,
because we think it's healthier.
And to a certain extent, that's true,
but let's be wise about which ones we're buying organic.
So there's a list released by
The Environmental Working Group; it's called
The Clean Fifteen or The Dirty Dozen.
Things on The Dirty Dozen list are things like
spinach and berries, celery, bell peppers—
- [Rachel] So get these organic?
This is a good place to put your money
if you're gonna buy organic, go there.
- Exactly, and I find that even cheaper,
because organic is obviously more expensive,
a great way to do that is to buy frozen.
Frozen blueberries—this is $2.99 a bag for 12 ounces,
whereas just this little container
of organic blueberries is $5.99.
And so, again, almost triple the price
for a third of them.
And if you're putting it in a smoothie,
it doesn't matter, right?
And then on The Clean Fifteen list, things
that have a thick skin, like an avocado,
you don't necessarily need to buy organic.
So money saver there.
- [Rachel] Yeah, that's awesome.
- As far as the preparation category goes,
I love to think about how we can use leftovers
in a way, at the end of the week,
where we're not wasting food.
Because, inevitably, when Saturday rolls around
or the weekend rolls around, there's all
this food in our fridge that, if we don't
do something with it, we're throwing it out.
- It's gonna go bad, yep.
- Every time we throw something out,
I'm like, "Oh, my gosh; that's like $10 in the garbage."
- (laughing) Seriously!
- So I try to think about re-inventing leftovers.
For example, one week, we had leftover meat sauce
that we did with a spaghetti squash.
Leftover random piece of a bell pepper.
Some leftover salsa that really had to be eaten.
Some taco seasoning and some leftover
roasted sweet potatoes.
So I threw it into a soup with, actually,
the chicken broth that I made earlier in the week,
into a taco soup.
So the last thing is treats.
I say that the most expensive things for the week
are meats and treats.
Those are the things that drown us in the grocery store
because the kids are like, hey, we need these random things,
and then we spend way too much money on
random treats in the grocery store.
And so these, I just made—peanut butter cups are my weakness
and so this is a base of almond flour,
maple syrup, peanut butter— just natural peanut butter—
raw cocoa powder, and coconut oil.
Those are the only ingredients.
- That's amazing.
- And so you're getting much better ingredients,
and it's pennies compared to what you would buy
if you're buying a good quality treat at the grocery store.
- In the organic section.
- Exactly.
- You just make it up.
- And it really doesn't take much time.
I mean, in all of this there's the balance of—
what's the balance between cost and convenience?
And so we all have to find our happy place,
but when it comes down to it, once we get in rhythms,
it doesn't take so much time; it's just
getting into the habit of doing them.
- So great. Jenna, you're brilliant—seriously.
All of this is so, so good.
- It's fun.
- I'm not kidding.
Thanks for coming and busting the myth that
you can eat healthy and still save money
and be on a budget and do all the things
but still be wise with your nutrition.
- And it can be delicious.
- Should we just eat the soup Jenna?
- Can we just eat these right here? (laughs)
- Or that, too!
Yeah, that's better!
Thanks so much for coming.
- Thank you, Rachel.
(upbeat music)
- Jenna is so fantastic!
Is she just not great?
Make sure to check out her website jennawaters.com
for more tips and all that she is doing.
All right! Coming up next, favorite part of the show, you guys.
celebrating you all with #sheworkshardsavingmoney.
And this is a
"how you're having fun while getting out of debt" edition!
Jenn said, "Camping in the summer!
And for birthdays and Christmas, we request experiences.
We are also having a blast downsizing
and selling/donating our stuff."
So awesome, Jenn.
The sacrifice, but you're having fun.
Amber said, "Library books and movies!
And when we want to see a new movie,
we wait for it to come out at Redbox!! And game nights!
So see, you guys? You can have a life
and have fun while you're getting out of debt!
It's not going to kill you.
All right, I have some very exciting news.
I've been waiting to tell you this—
seems like forever—but this episode and future episodes
are now available as a podcast!
That's right!
Coming to the airwaves, people. I can't wait!
Subscribe to The Rachel Cruze Show podcast,
and make sure to download this episode,
because the fun thing is, you're going to hear
a lot of things that we don't cover here on the show.
So a lot of new content; it's going to be so great.
Thanks so much to Rosanna and Jeremy for coming on
and for Jenna for showing us some
really great tips with our food.
And thank you guys so much for watching.
And remember to take control of your money
and create a life you love.
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