Rachel Cruze and George Kamel share the spending 'clues' that reveal if you're broke, average or wealthy Rebecca Payne Sun, August 23, 2026 at 10:00 AM PDT 6 min read youtube.com / The Ramsey Show Highlights It's always helpful in life to take a step back and look at the big picture and it's not a bad idea when it comes to your finances, either. The day-to-day management of money can sometimes cloud what's happening as a whole. So, to help you gain perspective on what your spending, saving and investing habits say about where you're at, " The Ramsey Show " co-hosts Rachel Cruze and George Kamel offered up "clues" to determine where you're at in terms of financial wellness. Must Read Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 6 ways to build wealth like a landlord without actually being one Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake. Here's what it is and 3 simple steps to fix it ASAP The tax breaks in Trump's 'big beautiful bill' expire after 2028. Here are 4 moves to make before the window closes "You can make a great income, but you're still broke," Cruze said. "You can make a great income, you could still be middle class. You can make a great income and use that income and build wealth, or you could make an OK income and build wealth, or be broke, right? So much about it is our behavior." Kamel agreed. "It's habits," he said. The hosts say these habits will land you in one of three categories: broke, average or wealthy. 'Broke people habits' They first outlined the "clues" of "broke people." Taking out payday and title loans Kamel characterized payday and title loans as "probably the saddest [clue] on the list," noting that you see them in "low-income areas." These types of loans are "high-interest, short-term loans that spiral into a debt cycle" or end up costing you your vehicle, Kamel said. Cruze added, "When you get stuck in that cycle, you're paying high-interest debt and you just feel like you can't get out of it, and that will keep you broke if you stay in that life." Leaning on rent-to-own and cash advances Kamel said rent-to-own can seem "like a smart thing," because "one day I'll own it." And that cash advances might not seem that bad, because "I'll pay it back when I get my paycheck." But the fees and "exorbitant interest," of these deals, much like with payday loans, can keep people "stuck in this [...] cycle of poverty." Buying lottery tickets Cruze flagged that low-income ZIP codes typically have the higher shares of lottery ticket sales, saying that lottery tickets offer "false hope." "It is sad because it is stealing from people," she said. Kamel agreed. "And it's statistically impossible odds, but you tell yourself 'someone's got to win,' and when you're that hopeless, you turn...
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