Eager loading associations with includes, preload, or eager_load is essential for avoiding N+1 queries that kill performance. When rendering a list of posts with their authors, Post.includes(:author) loads all authors in a second query rather than firing one query per post. The difference between these methods matters: includes uses LEFT OUTER JOIN when you filter on associations, preload always uses separate queries, and eager_load forces a join. For nested associations like Post.includes(comments: :author), Rails handles the complexity of loading multiple levels efficiently. I verify eager loading works by checking the query count in logs or using Bullet gem to catch regressions.