Money expert, Ramsey personality, and daughter of famed financial peace guru Dave Ramsey—Rachel Cruze is on Unapologetic talking about her family business and philosophy, financial freedom, and her hope for every season of money management. Julia and Rachel talk about the dangers and realities of prenups, separate bank accounts, credit cards, and uniting finances as a couple later in life. Rachel is a wife, mother, best-selling author, and entrepreneur sharing her best advice and encouragement during this practical episode of Unapologetic. Learn the benefits of managing your money God’s way, practical ways couples can budget together, how to use the envelope system instead of credit cards, how to avoid financial comparison, and more! Throughout their conversation, Julia shares what she learned about giving and budgeting, first as a young married woman and then as a mom to triplets—encouraging listeners that no matter where they find themselves financially, it’s never too late to learn how to manage your money according to biblical principles. Rachel wraps up the episode by sharing the best piece of money advice Dave Ramsey ever gave her. Managing money can be hard, but it’s not impossible! It’s never too late to start again and manage money the right way! Listen to Rachel on Smart Money Happy Hour or The Rachel Cruze Show, and stay connected with her on Instagram!