– 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) Feeling safe at home, for
me, is a top priority, especially since having kids. It’s always on the forefront of my mind. SimpliSafe home security has given me the peace of mind that,
no matter where I am, the things most precious to me are safe. SimpliSafe is a smart and affordable way to secure your home and
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while we’re on the go. Start monitoring your
home around the clock with SimpliSafe for
just under $15 a month! Go to SimpliSafe.com/Rachel right now to get peace of mind
without breaking the bank. 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.