We’re back with another special episode of our summer series, Unapologetic Conversations, this time diving into a topic many of us can relate to: How to talk about money. Where in previous episodes during this series we focused on how to have hard conversations with those closest to us, in the coming weeks we’ll take a closer look at some of the specific issues these tough conversations can bring to the surface. So why not kick things off by unapologetically discussing money?! For this episode, Julia welcomed money expert, Ramsey personality, and daughter of famed financial peace guru Dave Ramsey—Rachel Cruze—to the show. 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!