Book Talk: Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want by Rachel Cruze

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Genre: NonFiction| Finance | Self Help
ISBN: 9781937077976
Publication on 4-October-2016 by Ramsey Press
Format:  Hardcover

Rachel Cruze is a seasoned communicator and presenter, helping Americans learn the proper ways to handle money and stay out of debt. And that’s the targeted readers of this book, Americans. But this book has general stuff that applies to anyone from any part of the world.

I have been following Rachel on YouTube for a while and loved her energy. I know near to nothing about the Ramsey legacy behind her. To me, she is just another influencer on the internet whose content I like. So I had pre-ordered her book back in August and forgotten about it. When the book released in October and came in the mail, it was a pleasant surprise, and I got to it right away.

The book is structured very well. It’s broken into 7 habits and 16 chapters with lots of examples from personal life experiences. One thing this book is not is preachy. Rachel shares her struggles as a self-professed “spender” married to a “saver.” The differences they have about, and the way they work things out makes you realize that everyone struggles with money.

The 7 Habits

Habit 1: Quit the Comparisons

Habit 2: Steer Clear of Debt

Habit 3: Make a Plan for Your Money

Habit 4: Talk About Money (Even When It’s Hard)

Habit 5: Save Like You Mean It

Habit 6: Think Before You Spend

Habit 7: Give a Little…Until You Can Givea Lot


My takeaways from this book:

There is nothing like a good debt and bad debt.

It’s okay to live financially lean to achieve your financial goals.

Normal is a trap. Wanting to be normal can crush you under massive debts.

Loaning money to family and friends is an easy way to destroy your relationship. Instead, if you can afford give it away without any strings attached or say no.

Budgets give you the freedom to spend.


My favorite chapters:

Chapter 5: A Life Without Debt

Chapter 9: Important Conversations

Chapter 15: How to Give


Difficult to relate:

It’s never good to generalize, but I believe we Indians have a culture where we are very mindful of our money, and spending cautiously comes naturally to us which may not be there in other places/cultures. So, it was hard to relate to some of the problems talked about in this book.

There are instances I just couldn’t relate to because of the cultural differences. But I could understand where Rachel was coming from.

There is a lot of religious references which may be hard for some readers to understand.


Quotes from the book I love:

“When a habit emerges, the brain stops fully participating in decision-making. It stops working so hard…So unless you deliberately fight a habit…the pattern will unfold automatically.” Charles Duhigg, The Power of Habit: Why We Do What We Do in Life and Business.

“Their success has nothing to do with you, so celebrate their success sincerely while you keep working towards your own.” Rachel Cruze

“Humility is not thinking less of yourself but thinking of yourself less.” C.S. Lewis

“Lack of money is seldom the issue. The root problem seems to be an unrealistic and immature view of money.” David Augsburger, The Meaning of Money in Marriage.


Love Your Life, Not Theirs is an easy read and can be read in one sitting. But I’d suggest to read it slowly and mull over the habits talked about in this book. For me, it validated some of my own beliefs and gave me a better understanding of others.


My rating is 4 stars.


Other books by Rachel Cruze.

This post contains affiliate links. This allows me to earn a small percentage of the purchase with no extra charge to you. By clicking and purchasing through these links, you are supporting this website which allows me to create free contents for you.



Book Blurb:

In Love Your Life, Not Theirs, Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others. Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry. The Joneses are broke.  Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they’re trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses? Are we really living the lives we want, or are we chasing someone else’s dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family’s finances? In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you—the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving. These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you’ve always dreamed of without creating the debt, stress, and worry that are all too often part of the deal.  Social media isn’t real life, and trying to keep up with the Joneses will never get you anywhere. It’s time to live—and love—your life, not theirs.