Rachel Cruze: 6 Signs You’re Better at Money Than You Think

Core Insights - Rachel Cruze emphasizes that meeting six basic financial criteria indicates responsible money management and alleviates financial anxiety Group 1: Financial Indicators - Having more than $400 saved is a positive sign, as only 63% of Americans could cover a $400 expense in 2022, with a median emergency savings balance of only $500 in 2025 [2][3] - Not needing to wait for a paycheck to pay bills indicates financial stability, as 48% of individuals earning over $100,000 live paycheck to paycheck [3][4] - Being debt-free or actively paying off debt is a strong indicator of financial health, with 77.4% of American households carrying debt, an increase since 2019 [5][6] Group 2: Retirement Preparedness - Having retirement savings is crucial, as 40% of Americans lack a retirement savings plan, and only 31% of those without a plan believe they can live comfortably in retirement [7]