Rachel Cruze is warning young adults — especially young men — that chasing “quick” money through sports betting, cryptocurrency and risky real estate moves could put their financial futures at risk.

Cruze, a financial coach, best-selling author and co-host of “The Ramsey Show,” told FOX Business the mistake she sees young adults making “constantly” is buying into fast-track wealth strategies.

“One mistake that we see young adults making constantly, honestly, and it’s driving me crazy, is online gambling or quick wins to wealth building — things like crypto or getting into real estate when they shouldn’t,” Cruze said.

The daughter of personal finance expert Dave Ramsey singled out sports betting as especially risky for young men.

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Rachel Cruze, financial coach, best-selling author and co-host of “The Ramsey Show,” is warning young adults against chasing quick money. (FOX Business)

“It is usually guys in their 20s that are doing this, and so staying away from that is so, so crucial,” she said. “You’re throwing your money away to sports betting. … It really is taking down a generation economically.”

Roughly 27% of Americans — and 52% of men ages 18–49 — say they have an active account with an online sportsbook such as Caesars, DraftKings, BetMGM or FanDuel, according to a survey from the Siena Research Institute and St. Bonaventure University’s Jandoli School of Communication.

Cruze said young adults are bombarded on social media with promises of easy money where influencers frequently pitch crypto, real estate and other fast-track wealth strategies.

“You can hear and see on TikTok things about real estate or cryptocurrency,” Cruze said. “If anything seems too good to be true, it probably is.”

Instead, Cruze said building wealth is usually less flashy but more reliable.

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Cruze singled out sports betting as especially risky for young men, warning they are “throwing” money away. (iStock / iStock)

“The way of building wealth and becoming financially stable is over a long period of time and doing really boring things that are not exciting and fun, like living on less than you make, getting out of debt and investing,” she said.

Cruze said young adults often want instant results, but there is no shortcut to long-term financial stability.

“That’s going to be really key for young adults, because they want the quick wins, they want the instant gratification, but that doesn’t happen when it comes to money long term,” she said. “You have to go slow and steady.”

She also warned that social media is warping expectations around careers, homeownership and spending.

Cruze said younger generations constantly see other people’s vacations, promotions, homes and major life milestones, which can create pressure to spend beyond their means.

“One thing that is facing this generation, unlike really any other generation, is the social media piece, that you have the ability to see what other people are doing — from job promotions to eating out to vacations,” she said.

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Cruze said social media can warp young adults’ expectations around spending, careers, homeownership and success. (iStock / iStock)

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Her bottom line for young adults is to stop comparing, stop chasing and focus on their own numbers.

“You really have to put the blinders on and focus on your life, your career, your money situation,” Cruze said. “You can celebrate other people if they’re winning and that’s what they’re promoting. That’s fine. But focusing on your life and being realistic about your numbers is very, very important.”

Cruze’s warning aligns with Ramsey Solutions’ broader financial guidance, which centers on its “7 Baby Steps” plan to help people pay off debt, save money and build wealth over time.

Thailand won the 2026 UN Public Service Award for its early childhood education program supporting ethnic minority and stateless children, presented at the UN Public Service Forum in Tbilisi, Georgia.

Key Points

• Thailand won the top honor at the 2026 United Nations Public Service Awards for the category “Delivering Inclusive and Equitable Services for Leaving No One Behind.” The award recognized a program for early childhood education serving ethnic minority and stateless children in Mae Hong Son province.
• The award was presented in Tbilisi, Georgia, during the United Nations Public Service Forum. Thai representatives included Deputy Permanent Secretary Chuencheewan Limteerakul and Pang Mu Subdistrict Administrative Organization leaders.
• The program “Equitable Local Early Childhood Education Management” was one of 12 awards given across four categories, highlighting excellence in public service aimed at improving delivery and advancing the U.N. Sustainable Development Goals.

Thailand has received the top honor at the 2026 United Nations Public Service Awards in the category “Delivering Inclusive and Equitable Services for Leaving No One Behind.” The award was presented in Tbilisi, Georgia, to the Office of the Permanent Secretary, Office of the Prime Minister, and the Pang Mu Subdistrict Administrative Organization in Mae Hong Son province for an early childhood education program serving ethnic minority and stateless children.

The presentation took place during the United Nations Public Service Forum, which was attended by representatives from 62 countries, including government officials, academics, civil society organizations, private-sector leaders, and delegates from international and regional organizations. Deputy Permanent Secretary to the Prime Minister’s Office Chuencheewan Limteerakul accepted the award on Thailand’s behalf, accompanied by Pang Mu Subdistrict Administrative Organization President Piriya Tuanglaptweekig and the organization’s permanent secretary.

The award recognized the program, “Equitable Local Early Childhood Education Management for Ethnic Minority and Stateless Children in Pang Mu Subdistrict, Mae Hong Son Province.” United Nations Under-Secretary-General for Economic and Social Affairs Li Junhua presented one of 12 awards across four categories.

The United Nations Public Service Awards recognize excellence and innovation in public service that improve service delivery, increase public participation, and advance the U.N. Sustainable Development Goals. The Office of the Permanent Secretary, through the Office of Decentralization to the Local Government Organization Committee, assisted qualified local government organizations with their applications, contributing to Thailand’s success at this year’s awards. 

Source : Thailand Wins UN Public Service Award for Inclusive Education

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