Dave Ramsey’s daughter Rachel Cruze on The Rory Vaden Show Episode 39: Smart Money Smart Kids

Rachel CruzeRachel Cruze is a seasoned communicator and presenter who has been speaking to groups as large as 10,000 for nearly a decade. The daughter of Dave Ramsey, today she uses the knowledge and experiences from growing up in the Ramsey household to educate America’s students and young adults on the proper ways to handle money and stay out of debt. Rachel is regularly featured in all genres of national and local media across the country.



Interview Highlights:

·      @RachelCruze on what it is like growing up as @DaveRamsey‘s daughter…

·      4 Ways to Pay for College without Going into Debt with @RachelCruze @DaveRamsey

·      Love @DaveRamsey? His daughter @RachelCruze talks with me about their new book…

·      Parents: Don’t feel pressure or shame if you can’t help with your kids college. – @DaveRamsey@RachelCruze

·      College isn’t an entitlement; it’s a blessing. – @DaveRamsey @RachelCruze

·      When you give, you are learning to say “no” to yourself. – @RachelCruze @DaveRamsey

·      Giving is the anecdote of selfishness. – @RachelCruze @DaveRamsey

·      There is nothing like the joy of giving. – @RachelCruze @DaveRamsey

Other Show Highlights:

-       The inspiring story of a woman who lost 166 pounds with steady, methodical, discipline

-       Find your why; change your life

-       How I met one of my mentors and why you need one of your own…

Find Rachel: Website, Facebook, Twitter, YouTube

The Rory Vaden Show is a weekly podcast that Rory hosts every Monday which is regularly in the Top 25 of Business News Podcasts and has listeners from all around the world. The show shares “insights and inspiration for movers and shakers in the world of business”™.  Each week Rory shares his thoughts on a news topic relevant to business, takes questions from listeners, shares a #DailyDiscipline tip of the week and then interviews an expert guest. Subscribe on iTunes and please leave a rating and review!

Five Ways to Create More Margin in Your Life

The speed at which business and life operates seems to be overwhelming these days.

We rush out of bed, rush to get ready, rush to the office and then rush all day to get projects done and meet deadlines. Many times though it seems like the faster we work, the more work that piles up, and the harder we try to get caught up the more it sometimes feels like we fall behind. We are stressed. We are anxious. We are tired.

You need more space.

You need more margin.

You need more peace.

Here are a couple ideas how…

1. Take on fewer meetings: The outcome of good meetings is action items. Which means that the more meetings you are in the more action items you will have. Ironically though, the more meetings you are in, also means the fewer amount of minutes you have in a day outside of meetings to actually get stuff done. Nothing is more discouraging than scheduling your entire day full of meetings and going frantically from one to the next only to find that you now have a whole list of new action items, you didn’t have time in the day to complete any of your existing list of action items, and you haven’t done any real work today!  Challenge yourself and your team to audit the need for the meetings you are having. Remember, the first rule of meetings is to make sure that you have a reason to have the meeting! Are we meeting because we have an objective that we need to accomplish or just because it’s what we do every day of the week at this time?

2. Check email less frequently: One guaranteed way to make sure that you feel pressured and stressed all the time is to be reading email every spare second you have from the moment you wake up until the moment you go to sleep. Your fear is that you’re going to miss something urgent but there are very few things that can’t wait at least a few hours. And the more you’re available at their beckon call to respond within minutes to every little inquiry, the more you are programming your clients and colleagues to expect that from you. Not to mention that successful people expect other successful people to be busy and so it’s reasonable to have to wait a little bit. Remove every single beep, buzz, or interruptive alert that you receive when you get a new email. Move your email icon off the home screen of your phone to a side screen so that it is not the first thing you see. It will allow you to be intentional about when you do check email and not constantly sucked into –what we refer to in Take the Stairs as – priority dilution.

3. Practice saying “no”: Look for opportunities to build your “no” muscle. You might have a fear of telling people “no” but you have to realize that you are always saying “no” to something. You’re either consciously saying “no” to the things that don’t matter or you will be accidentally be saying “no” to the things that do. And if you are saying “yes” to everyone else all of the time then you are  saying “no” to having any space or margin in your life. Plus, saying “no” doesn’t mean you have to be a jerk. Look for ways that you can say “no” while still being really nice.

4. Reduce unnecessary change: Change takes time. Time is money. So change costs money – even if there is no hard dollars cost. Some change is good but changing just for the sake of change is expensive because it takes time to prepare for the change, make the change, and then communicate the change to other people. Ask yourself “do I really need to make this change right now?” If the answer is “no” then delay it for a little while. You may inadvertently save yourself some re-work later on or find a better solution down the road. I’m all in favor

5. Schedule in margin: If you find that you are always behind on projects or email then set more time aside in your schedule for those activities. Protect that time as an appointment with yourself that is just as immovable as you would consider an appointment with someone else. You need to have appropriate time available to do a good job so protecting time for you to actually work on things is your responsibility. If someone wants a meeting with you and the only slots you have open are during time that you’ve blocked with yourself then push the meeting out to the next week. It’s just going to have to wait.

Many of us have falsely convinced ourselves that if we work fast enough and long enough that we’ll get to a place where we’re caught up on everything so much that we’ll finally have margin…it’s not true. The law of Douglas McArthur tells us the truth that “the amount of busy work always expands to fill the amount of time we allow to be available.” In other words there will always be something else that we could do that is waiting for us at the completion of any other given task. So perpetually running at a frenetic pace isn’t going to do anything but burn you out.

Instead, create space. Make margin. Be intentional about what you agree to take on and what you turn down. And protect the time that you need to accomplish your most significant priorities. Let go of your fear that you will miss out on something by realizing things are never as bad as the feel or as good as they sound. These are just a few of the strategies we are outlining in our next book that we call Procrastinate on Purpose.

Zig Ziglar’s son Tom on The Rory Vaden Show Episode 38: Lessons I learned from Dad

Tom ZiglarSon of Zig Ziglar and CEO of Ziglar, Inc. Tom joined the Zig Ziglar Corporation in 1987. He shares not only a last name with his father, Zig Ziglar, but he also carries on his philosophy, which is simply, “You can have everything in life you want if you will just help enough other people get what they want.” But rather than try to fill his father’s shoes, Tom has created some of his own! He is boldly taking Ziglar, Inc., into the world of social communities, Twitter, blogs, and live video webcasts to present the tried and true message of hope, integrity and positive thinking to a whole new audience. He keeps Ziglar, Inc. ahead of the times with his innovative leadership. Tom shares his Ziglar writing flair in his core messages and beliefs about business, family, success and the keys to a fulfilling life the Pure and Simple way in his blog at www.TomZiglar.com, as well as in live appearances.

Interview Highlights

-      Zig Ziglar’s son @TomZiglar talks about lessons he learned off stage from his dad.

-      Ever wondered what Zig Ziglar was like in his personal life? @TomZiglar shares…

-      My dad Zig Ziglar wanted me to know that he wasn’t above making an apology.  - @TomZiglar

-      @TomZiglar‘s favorite memory of his dad Zig…

-      Why Zig Ziglar spent 3 hours reading and studying every day…

-      @TomZiglar shares the source of his dad Zig’s favorite quote ‘Help enough other people get what they want and you’ll get what you want’

Other Show Highlights

-      4 Ways to Overcome Your Fear of Missing Out

-      5 People who missed out on becoming rich

-      I share a very personal story about my biological father and my real “dad”

Find Tom: Website, Facebook, Twitter

The Rory Vaden Show is a weekly podcast that Rory hosts every week which is regularly in the Top 25 of Business News Podcasts and has listeners from all around the world. The show shares “insights and inspiration for movers and shakers in the world of business”™.  Each week Rory shares his thoughts on a news topic relevant to business, takes questions from listeners, shares a #DailyDiscipline tip of the week and then interviews an expert guest. Subscribe on iTunes and please leave a rating and review!

The Truth about the “Send Me Some Information” Objection

We salespeople are so gullible. We believe the silliest things that our prospects tell us. You’d think that since we are supposed to be the ones doing the selling that we would have a little more discernment in interpreting the true motives of the people we are communicating with. But we don’t.

Salespeople get sold all the time on bogus excuses from prospects they are trying to serve. At the top of the list is when we accept the objection “can you please send me some information?”

Prospects don’t need more information to make a decision; they need courage.

If someone is telling you that “they need information” then you are kidding yourself if you actually believe that is the truth.

What they are really saying is “I don’t trust you yet” or “I’m not confident this is going to work for me” but it is never that they really need more information.

Do you really believe that there is something that they’ll read that will magically convince them to take an action that you weren’t able to convince them to take when you were talking to them?

You will always have a better chance of convincing them than your marketing materials will.

If they needed information they would go to Google. But they don’t need information; they need confidence.

They need you to move them emotionally to a place of feeling safe and secure about doing business with you.

The truth is that they are afraid to tell you “no” because they don’t want to hurt your feelings.

The other truth is that you are afraid to hear “no” so you continue to send them information.

Both are facades that result from weak two-sided communication that you allow to carry on so that you can avoid hearing that dreaded word “no.”

So, as a committed servant salesperson, your job is to either convince them that you can serve them and that they should give you a shot…


To convince them to tell you “no” now to prevent both of you from wasting time later.

But, don’t let them drag it out because you’re not doing either one of you a service by sending them “information.”

The Gratefulness Response

You think having more will make you happy but it will not.

Your stress about not having enough is noticeable.

Your worry about not having enough makes your unspoken response to gifts “thanks but that isn’t enough.”

That response makes it harder for people to want to give you things because they never experience the joy of a Gratefulness response.

If you cannot be grateful for what you have now then you won’t be grateful for what you think you need.

Gratefulness is a heart issue; not a resource issue.

Gratefulness is a mindset.

Gratefulness is an attitude.

Gratefulness is a choice.

It’s one you’re not making.

And until you do then we are going to stop giving to you.

Bubble Burster

We bring you good news.

But your pride in being a realist and not an optimist makes your first response lower than we anticipated.

It brings us down.

It thwarts our celebration.

It mitigates our enthusiasm.

It dampens our spirit.

Respond with joy first and realism second.

Otherwise soon enough there won’t be anymore bubbles left to burst.