Smart Money Happy Hour with Rachel Cruze and George Kamel

💵 Have a money question? Ask Ramsey is here to help. If you love 90s nostalgia (or you just hate change), you’re in luck! Apparently, right now it’s trendy to do life the old-school way—and when it comes to your money, we 100% agree.Next Steps: 🎙️ Catch our episode Weird Money Habits That Will Make You Rich. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Dr. Pepper Margarita      Recipe by Lauren Milovich (@thats.thespirits): 1 1/2 ounces tequila 1/2 ounce orange liqueur 3/4 ounce lime juice 1/2 ounce cinnamon syrup 1 ounce Dr Pepper  Instructions: Rim a glass with cinnamon sugar and set aside. To a cocktail shaker, add tequila, orange liqueur, lime juice, cinnamon syrup and ice. Shake to combine. Strain over the rimmed glass filled with ice, and top with Dr Pepper. Garnish with a lime wheel and maraschino cherry.    Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!  We’re not encouraging you to keep up with the Joneses, but have you ever wondered what their finances are actually like? Today, we’re unpacking jaw-dropping money stats that’ll make you reevaluate your own money situation. Next Steps: 🎙️ Catch our episode Weird Money Habits That Will Make You Rich. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Tequila Aperol Spritz     Recipe by Join Jules 1 cup tequila blanco  2 1/2 cups Aperol 1 bottle sparkling rosé 1 cup sparkling soda water   Instructions: Add all ingredients into a pitcher and mix together. Pour approximately 8 ounces of the mix into a glass filled with ice. Garnish with a strawberry, grapefruit wheel, edible flower, etc.    Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!   It’s not as simple as “broke” or “rich” anymore. Today we’re unpacking what kind of “rich” your spending says you are—from “fake rich” to “new money” to “quiet wealth.” Next Steps: 🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍧 Frozen Coconut Lemonade    Recipe by: Eat Well 101  3/4 cup freshly squeezed lemon juice  Zest of 2 lemons 1 cup full-fat coconut milk 1/2 cup granulated sugar  2 1/2 cups ice cubes  Instructions: Add lemon juice, sweetener, coconut milk, and ice to a blender. Blend until ice is crushed and the mixture gets slushy. Divide into glasses and serve immediately. Recipe yields 4 servings. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!   It’s not every day that we get to grab a drink with a Harvard professor, bestselling author and happiness expert. Dr. Arthur Brooks is here to talk money, life, faith and so much more.Next Steps: 🎙️ Catch our episode Questioning “Life” Choices With Ken Coleman (“Would You Rather” Edition) 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 📖 Check out Dr. Arthur Brooks’ new book, The Meaning of Your Life. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥂 Electrolyte Mockarita  Recipe by: Cocktails with Val 2.5 ounces coconut water 1.5 ounces fresh orange juice 1 ounce lime juice 1 ounce agave 1 pinch of salt   Instructions: Add coconut water, fresh orange juice, lime juice, agave, and a pinch of salt to a cocktail shaker filled with ice. Shake to combine all ingredients. Pour over glass filled with ice. Add an orange wedge as optional garnish. Serve and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!   If you’re an exhausted millennial wondering if buying a home is a lost cause, we get it—and we’ve got you. Today, we’re unpacking common home-buying frustrations and real estate woes. Spoiler alert: Yes, it’s still possible! Next Steps: 🎙️ Catch our episode How to Financially Survive Every Season of Life 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 🏠 Your free, step-by-step course to buying a house that fits your budget. 💻 See how much house you can afford with the Mortgage Calculator.    Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Basil & Lillet Spritz Recipe by Emily Laurae 1 ounce Lillet 4–5 basil leaves 4 ounces sparkling wine   Instructions: In a shaker, combine Lillet and basil leaves and shake with ice for 30 seconds. Strain into a glass filled with ice. Top with sparkling wine and garnish with a basil leaf before serving. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Figure out your next financial move with Ramsey’s Get Started Assessment.   Vacation debt, budget-friendly hacks and some light legal drama—today we’re unpacking all things Disney! Stick around for the magic, fun and chaos. Next Steps: 🎙️ Catch our episode Comparing Disney Villains to Sneaky Financial Industry Traps. 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Pineapple Blueberry Margarita Mocktail Recipe by Yum Recipes Now Lime juice  Pineapple juice Blueberry syrup Sparkling water Salt   Instructions: Start by rubbing a lime wedge around the rim of your glass. Then, dip the rim into a plate of salt to coat it evenly. In a shaker or mixing glass, combine 3/4 ounce of fresh lime juice, 1/2 ounce of pineapple juice, and 1/2 ounce of blueberry syrup. Stir or shake gently to blend the flavors without diluting the vibrant colors. Strain the chilled mixture into your salted rim glass filled halfway with fresh ice. Then, top it off with sparkling water. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Figure out your next financial move with Ramsey’s Get Started Assessment.   If you can’t be the best, why not be the worst? Or at least that’s what some people must be thinking to justify their spending habits. Stick around for a bracket battle of bad money habits. Next Steps: 🎙️ Catch our episode We’re Here to Judge Your Guilty Pleasures (With Love). 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Pisco Sour Recipe by: Liquor.com 2 ounces pisco 1 ounce lime juice 1/2 ounce simple syrup 1 egg white Instructions: Add pisco, lime juice, simple syrup and egg white into a shaker and dry shake (without ice) vigorously. Add ice and shake again until well chilled. Strain into a chilled glass and serve!  Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Plan and save for the future with Ramsey’s Complete Guide to Investing.   Good manners, simple style, old-school investing—today we’re unpacking subtle “quiet millionaire” habits and teaching you how to build wealth the right way.   Next Steps: 🎙️ Catch our episode Things That Scream “I’m Pretending to Be Upper Class”. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 💻 Figure out your next financial move with Ramsey’s Get Started Assessment.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Apple Ginger Fizz Mocktail Recipe from The Mindful Mocktail 3 ounces still apple cider 1 ounce freshly squeezed lime juice 6 mint leaves 1 teaspoon apple cider vinegar Pinch powdered cinnamon  3 ounces ginger ale Instructions: Place apple cider, lime juice, cinnamon, apple cider vinegar and a few ice cubes into a cocktail shaker. Clap the mint together in your hands to release the scent, and add to the shaker. Shake for about 20–30 seconds until ingredients are combined. Pour into an ice-filled glass and top with ginger ale. Stir gently, garnish with mint, and serve.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Plan and save for the future with Ramsey’s Investment Calculator.   We all have our weaknesses when it comes to frivolous spending—but some of you are next level. Today, we’re reacting to (and lightly judging) the internet’s most ridiculous spending habits.   Next Steps: 🎙️ Catch our episode We Settle Your Heated Money Arguments. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 💻 Figure out your next financial move with Ramsey’s Get Started Assessment.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 “The Reddish” Maroon Manhattan Recipe from Smart Money Happy Hour mixologist Michael Reddish  2 ounces bourbon 1 ounce dry vermouth  1 ounce amaro 2–3 dashes black walnut bitters 2–3 dashes chocolate bitters Instructions: Add the bourbon, dry vermouth, amaro and bitters into a mixing glass with ice and stir until well-chilled. Serve in a coupe glass and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   Is love blind? Some of your financial decisions certainly make it seem that way! Today, we’re reacting to people’s biggest money mistakes made on behalf of their loved ones.   Next Steps: 🎙️ Catch our episode Date Nights From $0 to $10,000? We’ve Got You Covered! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Trophy Wife Spritz Recipe from Fly Girl Bartending  Mint leaves 1/2 ounce honey 3 ounces club soda 3 ounces nonalcoholic sparkling wine  Grapefruit Instructions: Place mint in the bottom of a wine glass. Add honey and club soda and stir. Fill the glass with ice and top with sparkling wine. Garnish with mint and grapefruit and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel[AP3] [JS4]  🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   Career, relationships, self-improvement—life is full of important choices, and today we’re unpacking all the options with bestselling author and The Ramsey Show co-host Ken Coleman.   Next Steps: 🎙️ Catch our episode Critiquing Your Spending Habits (and Ours) With Dr. John Delony 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  🤑 Catch Ken’s episode with George: Financial Expert: These Common Money Habits Are Keeping You Poor 🤩 Catch Ken’s episode with Rachel: Marriage, Parenting and Growing Up as Dave Ramsey’s Daughter   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Kentucky Mule Recipe from Liquor.com  2 ounces bourbon 1/2 ounce lime juice, freshly squeezed  Ginger beer, to top  Garnish: mint sprig   Instructions: Add the bourbon and lime juice to a copper mug or a highball glass. Fill the mug or glass with ice and top with ginger beer. Garnish with a mint sprig and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🚢 Get tickets to the next Live Like No One Else Cruise.   Apparently, living on less than you make and ditching your credit score is groundbreaking financial advice—but we’ll let you be the judge. If you’re willing to be a little unorthodox in order to build wealth, stay tuned! You’re in the right place.   Next Steps: 🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 📙 Grab a copy of George Kamel’s book, Breaking Free From Broke.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Virgin Piña Colada Recipe from House of Nash Eats  2 cups pineapple juice 3/4 cup cream of coconut 4 cups ice Pineapple wedges for garnish Maraschino cherries for garnish   Instructions: Pour the pineapple juice and cream of coconut into a high-powered blender. Add the ice. Blend for 30–60 seconds until smooth. Divide between 3–4 glasses. This makes about 5 cups of piña colada, which is about 10 ounces per person if divided between 4 people. Garnish with pineapple wedges, maraschino cherries and cocktail umbrellas before serving!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   If an event costs you social energy, should you really have to pay actual money too? Today, we’re saying what we all wish we could write on the next birthday party, wedding shower or gender reveal RSVP—join the unfiltered fun!   Next Steps: 🎙️ Catch our episode Date Nights From $0 to $10,000? We’ve Got You Covered! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Smoked Rosemary Negroni Sour Recipe from: Join Jules 1 ounce gin 1 ounce sweet vermouth 1 ounce Campari 1/2 ounce rosemary syrup 1/2 ounce lemon juice  1 egg white Splash of orange juice   Instructions: Using a lighter, light the tips of a fresh rosemary sprig until it begins to smoke. Flip your coupe glass upside down over the smoking sprig and let sit while you mix your cocktail. In a cocktail shaker, add gin, sweet vermouth, Campari, syrup, lemon juice, a splash of orange juice and egg white. Dry shake. Add ice and shake again. Double strain into the smoked glass. Garnish with a fresh rosemary sprig and a citrus wheel.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Learn how to invest the smart way using Ramsey’s Complete Guide to Investing.   Building wealth is actually pretty simple (when you do it the right way). But there are some risky strategies out there that can topple your financial progress overnight. Join us for a live game of Jenga and some commonsense financial advice along the way.   Next Steps: 🎙️ Catch our episode Reacting to People’s Money Fails So You Can Feel Better. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 📕 Grab a copy of George Kamel’s book, Breaking Free From Broke.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥂 Lemon Ginger Mocktail Spritz Recipe from Join Jules  1/2 ounce honey syrup 3/4 ounce ginger juice 1 ounce fresh lemon juice  2 ounces sparkling water   Instructions: Blend ginger with a little water and strain. Add honey syrup to a glass. Add ginger juice and lemon juice. Add ice and top with sparkling water.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📖 Order Jade’s new book, What No One Tells You About Money.   Are you guilty of these annoying money habits? In this episode, we sit down with Jade Warshaw to rant about our biggest financial pet peeves. Let’s get into it!   Next Steps: 🎥 Watch our video Dave Ramsey Answers Your Most-Asked Questions. 💵 Start your free budget today. Download the EveryDollar app! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors:  Go to FAIRWINDS Credit Union for an exclusive account bundle! Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍸 Tequila Old Fashioned Recipe from Tommacy Cocktails  2 ounces reposado tequila 1/4 ounce mezcal 1/2 ounce agave nectar 2 dashes orange bitters 2 dashes black walnut bitters Orange peel (optional)   Instructions : Combine all ingredients in a mixing glass with ice. Stir for about 20–30 seconds until well chilled. Add a bourbon ice cube to a lowball or rocks glass and strain the drink into the glass over the ice. Express an orange peel over the drink by squeezing it to release the oils. Run the peel around the rim, drop it into the drink, and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Register for our Take Back Your Money in 2026 livestream for free!   No one can predict the future, but sometimes it’s fun to try! Today we’re sharing our best guesses for what’s to come in 2026. From housing and investment trends to celebrity weddings and court cases—we’ve got you covered.   Next Steps: 🎙️ Catch our episode We Debunk Your Top Excuses for Not Budgeting. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍾 New Year’s Champagne Champagne of your choice  Instructions: Pick up your favorite budget-friendly bottle of champagne and toast to the new year!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Register for our Take Back Your Money in 2026 livestream for free!   From Katy Perry’s brief trip in space to our favorite moments on Smart Money Happy Hour—we’re breaking down the best and worst of 2025! Grab a drink and help us reminisce on an unforgettable (and slightly unhinged) year.   Next Steps: 🎙️ Catch our episode Spilling the Financial Tea With Our Better Halves. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍸 You’re a Mean One Recipe from Westgate Resorts  11/2 ounces Midori melon liqueur 1 ounce white rum 5 ounces lemon-lime soda 1 maraschino cherry   Instructions: Fill a rocks glass with ice. Add Midori liqueur and rum. Top with soda and stir gently to combine. Top with maraschino cherry and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Register now for our Take Back Your Money in 2026 livestream for free!   From office Christmas parties to eggnog to the catastrophe that is gingerbread house making—we’re judging all your holiday traditions. Plus, how to financially plan for (and survive) one of the busiest, most expensive seasons.   Next Steps: 🎙️ Catch our episode Unpacking Money Lessons From Your Favorite Christmas Movies. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍸 Cran-Raspberry Martini Mocktail Recipe from TheBump.com   1 ounce lime juice 4 ounces raspberry sparkling water 1/4 ounce cranberry juice 1/2 ounce crushed raspberries   Instructions: Pour the lime juice, raspberry sparkling water and cranberry juice into a martini glass. Add raspberries and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📕 Grab George Kamel’s book, Breaking Free from Broke.   Sometimes, you’ve got to entertain the haters and put your own teachings to the test. Today, we’re taking turns playing devil’s advocate against our own financial advice—tune in and let us know how we did in the comments!   Next Steps: 🎙️ Catch our episode We Dedicated an Entire Episode to Respond to the Haters. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Bourbon Milk Punch Recipe from Liquour.com 2 ounces bourbon 3 ounces whole milk 1 ounce simple syrup 2 dashes vanilla extract Garnish: nutmeg, freshly grated   Instructions: Add bourbon, whole milk, simple syrup and vanilla extract into a shaker with ice and shake until well-chilled. Strain into a rocks glass, and garnish with freshly grated nutmeg.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Enter to win $5,000 with Ramsey’s Christmas Cash Giveaway.  No matter where you are on your wealth-building journey—everyone has money disagreements with their loved ones from time to time. Today, we’re reacting to your money drama and tossing in our 2 cents!   Next Steps:🎙️ Catch our episode Our Unfiltered Takes on Your Real-Life Money Dilemmas. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Christmas Slush Mocktail Recipe inspired by Taste Cove 3 ounces cranberry juice 1 ounce orange juice 1 ounce pineapple juice 1 ounce lime juice 1/2 ounce sparkling water   Instructions: Combine cranberry juice, orange juice, pineapple juice and lime juice in a mixing bowl. Stir and pour mixture into a freezer safe container. Freeze for a couple hours and stir occasionally to create a slushy consistency. Scoop the slush into glasses and top with a splash of sparkling water, then enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Enter to win $5,000 with Ramsey’s cash giveaway.   From Friends to The Office, Hollywood tends to bend reality when it comes to portraying personal finance. Here’s what your favorite TV shows get right and wrong about money.   Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  📺 Watch Borrowed Future to learn how student loans are killing the American Dream. 📚 Learn to build wealth with America’s #1 personal finance class, Financial Peace University. 💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Amaretto Sour Recipe from Liquor.com 1 1/2 ounces amaretto 3/4 ounce bourbon 1 ounce lemon juice 1 teaspoon simple syrup 1/2 ounce egg whites   Instructions: Add all ingredients into a shaker and dry shake (no ice) for 15 seconds. Add ice to shaker and shake again until chilled. Strain into glass over ice and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz.  Different phases of life call for different financial priorities (and different strategic habits to help you get there). Today, we’re explaining what to do with your money to help you reach your goals in every season.  Next Steps: 🎥 Watch our video How Does Your Net Worth Compare to the Average American. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  📺 Watch Borrowed Future to learn how student loans are killing the American Dream. 📚 Learn to build wealth with America’s #1 personal finance class, Financial Peace University. 💵 Create a free budget and find more margin with EveryDollar.  Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Hillstone Crisp Martini Recipe from @madisieli on Instagram 1 1/2 ounces vodka (or gin) 1 ounce elderflower liqueur Juice of 1/2 lemon Splash of sauvignon blanc  Instructions: Combine vodka, elderflower liqueur and lemon juice into a shaker filled with ice. Shake well, pour into a frosted martini glass, top with a splash of sauvignon blanc, and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   ⁠Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz.   You’ve watched her successful comedy career unfold over the last two decades, and today you get to laugh through an entire podcast episode with her. Anjelah Johnson-Reyes unpacks everything from Bon Qui Qui to motherhood to money habits.   Next Steps:🎥 Watch our video How Matt and Abby Went From Broke College Kids to “Unplanned” Influencers 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar. 🤳 Follow Anjelah Johnson-Reyes and her podcast Funjelah on Instagram!   Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Margarita Mocktail Recipe: Gimme Some Oven   1 1/2 ounces freshly squeezed lime juice 1 ounce freshly squeezed orange juice 1–2 tablespoons agave nectar 1/3 cup sparkling water or club soda Coarse sea salt, for rimming Extra lime slice, for garnish   Instructions: Cut a small notch in a lime wedge and run it around the rim of the glass. Dip the rim in a small plate of salt. Add the lime juice, orange juice, agave nectar and ice to the serving glass and stir vigorously for 15 seconds to combine. Top with sparkling water and garnish with an extra lime slice. Serve immediately and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz.  Money is an art and a science. Today, George and Rachel are unpacking financial statistics and gender stereotypes around spending. Oh, and they do it while painting portraits of each other—you don’t want to miss this. Next Steps: 🎥 Watch our video Men vs. Women: Who Handles Money Better? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar. Check out Ramsey’s Complete Guide to Investing.  Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Bourbon Carajillo Recipe: The G&M Kitchen   1 1/2 ounces espresso 1 ounce bourbon   1 ounce Licor 43 2–4 dashes angostura bitters 1 orange slice  Instructions: Start by brewing the espresso. Then add 1 1/2 ounces of espresso (1 shot), 1 ounce of Licor 43, 1 ounce of bourbon, and 1 dash of bitters to a cocktail shaker with ice. Shake for 30 seconds, then strain into a glass with ice. Garnish with an orange slice and espresso beans, and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Uncover extra cash in your budget with the Money Finder Challenge.   When building wealth feels extra challenging, it’s easy to get caught up pointing fingers at the wrong bad guy. Today, George and Rachel are exposing the real villains of the financial industry—with a fun Disney twist.   Next Steps: 🎥 Watch our video Reacting to the Wildest “Am I the Jerk?” Reddit Threads. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍷 Witch’s Elixir Mocktail Recipe: @themindfulmocktail 4–5 blackberries, plus more garnish if you wish 1/2 cup berry or ginger kombucha (or your sparkling beverage of choice) 1 ounce lemon juice 3 ounces chilled butterfly pea tea Optional: a little maple syrup, agave or your sweetener of choice   Instructions: Muddle the blackberries in your glass with sweetener of your choice. Add ice to the brim, then kombucha. Slowly pour in half of the butterfly pea tea, then the lemon juice. Give it a stir, then top with the remaining butterfly pea tea to create a layered effect. Garnish with blackberries and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Uncover extra cash in your budget with the free Money Finder.   You can’t take it with you when you go . . . but you can leave your loved ones stuck in a financial hot mess. Here’s what really happens to your money after you pass, and what you should do today to prevent money mayhem down the road.    Next Steps: 🎥 Watch our video Stirring the Pot With These Off-Limit Topics. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar. 💼 Get your finances in order with our Estate Planning Guide.   Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹Night King Recipe: @SpeakEasierUK  1 ounce lemon juice 1/2 ounce blue curacao 1/2 ounce crème de cacao 2 ounces pisco 1 egg white  Instructions: Combine all ingredients into a cocktail shaker filled with ice. Shake and pour into a glass over ice and enjoy.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Uncover extra cash in your budget with the 24-Hour Money Finder Challenge.  Find some pearls to clutch because we’re talking religion and money. Today, we’re looking at beliefs and practices around finances in the world’s major religions.   Next Steps: 🎥 Watch our video Unique Money Traditions You Won’t Find in the U.S. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Freezer Door Tart Cherry Margaritas Recipe: @servedbysammy 2 cups blanco tequila 1 cup tart cherry juice 1 cup lime juice 1/4–1/2 cup agave nectar (depending on how sweet you like it)  Instructions: Combine all ingredients into a shaker filled with ice and shake—enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Uncover extra cash in your budget with the Money Finder Challenge. https://ter.li/sxaau7   Is one generation building wealth better than the rest? Or are we all financially “cringe” in our own way? From Gen Z to boomers to millennials and their Gen X parents—today, we’re calling everybody out, and you don’t want to miss the fun.   Next Steps: 🎥 Watch our video Is Gen Z Financially Doomed? Let’s Talk About It 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Blackberry Vanilla Mocktail Recipe: Yummi Haus   1/3 cup blackberries 1 ounce lemon juice 1/4 tsp vanilla extract 1/2 tbsp raw honey 1 can ginger ale   Instructions: Combine blackberries, lemon juice, vanilla and honey with a splash of ginger ale in a shaker and muddle. Pour through a strainer into glasses filled with ice. Fill remainder of glass with ginger ale, garnish with additional blackberries or lemon wedge, and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Uncover extra cash in your budget with the Money Finder Challenge. https://ter.li/sxaau7   Ever have a major disagreement about money with the people closest to you? Today, we’re checking our voice mail and sharing hot takes on your friends and family.   Next Steps: 🎥 Watch our video Settling the Debate on Your Financial Faux Pas (We’re Divided). 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Army & Navy Recipe: Liquour.com   2 ounces London dry gin 1 ounce lemon juice 3/4 ounce orgeat 1 dash Angostura bitters Grapefruit twist   Instructions: Add all ingredients into a shaker with ice and shake until well-chilled. Strain into chilled coupe glass. Garnish with grapefruit twist.     Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Want to see how fast you can pay off your house? Use our FREE Mortgage Payoff Calculator.   Matt and Abby from The Unplanned Podcast join Rachel and George to reminisce on early married life working the Ramsey plan, dancing through their pandemic TikTok success and so much more.   Next Steps: 🎥 Watch our video Baby Q&A: Costs, Essentials and Honest Advice. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Moscow Mule Mocktail Recipe: Mallory the Dietician   1/2 cup light ginger beer 1/4 cup sparkling water or soda water 2 tablespoons lime juice 1 teaspoon fresh mint, muddled Ice cubes   Instructions: Pour the ginger beer, squeeze of lime juice, and sparkling water or soda water in a glass over ice and give it a good stir. Garnish with a slice of lime and fresh mint and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Want to see how fast you can pay off your house? Use our FREE Mortgage Payoff Calculator.   Claire’s, Sbarro, Great American Cookies—can we go back to ’90s mall culture? In today’s episode, George and Rachel are taking a nostalgic trip down memory lane to weigh the pros and cons of shopping in 2005 vs. 2025.   Next Steps: 🎥 Watch our video What Today’s Teens Are Buying (vs. Us 20 Years Ago) . 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a budget and track expenses with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Enzoni Recipe: @deadendwest    1 ounce gin 1 ounce Campari 1/2 ounce simple syrup 3/4 ounce lemon juice 5 grapes   Instructions: Add ingredients to a shaking tin. Muddle grapes. Add ice and shake. Fine strain into rocks glass of ice. Garnish with a grape.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💪🏼 Which side hustle is right for you? Get personalized recommendations with this Side Hustle Quiz.   When you think you’re slaying the personal finance game by following the latest money trend . . . but you’re really just taking one step forward and two steps back—no more! Today, George and Rachel are explaining why these common financial habits will make you broke, average or wealthy.   Next Steps: 🎥 Watch our video Habits Wasting Your Time (and Money) in 2024. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Sign up for EveryDollar today to create a free budget.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍋‍🟩 Cucumber Lime Mocktail Recipe: Vibrant Plate ·        1 large cucumber ·        1 cup of water ·        2 limes ·        3 tablespoons mint leaves ·        2 tablespoons maple syrup ·        Pinch of salt ·        1 cup carbonated mineral water ·        2 cups of ice cubes (or more as needed)   Instructions: Peel and dice one large cucumber, then add to a high-speed blender. To the blender, add one cup of water, the juice of two limes, three tablespoons of mint leaves, two tablespoons of maple syrup, and a pinch of salt. Blend until smooth. Strain the cucumber juice through a fine strainer or cheesecloth into a jar. To the jar, add one cup carbonated mineral water and two cups of ice cubes (you can add more ice cubes if you like). Serve in glasses with ice cubes. For decoration, you can add some cucumber slices, a lime wedge and some more mint.    Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you making these four common investing mistakes? Get our free Investing Guide and find out.   Is it actually possible to plan a quality date night at any budget level? In this episode, you’re going to find out! George and Rachel are looking at real-life, real-budget scenarios and creating fun date nights on the spot.   Next Steps: 🎥 Watch our video Men vs. Women: Who Handles Money Better? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Sign up for EveryDollar today to create a free budget.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Ragg’s Rye-Tai Recipe: Gastrohub ·        3/4 ounce lemon juice ·        3/4 ounce pineapple juice ·        1/2 ounce orgeat ·        1/2 ounce amaretto ·        2 ounces Elijah Craig rye whiskey   Instructions: Add all ingredients to a tin, and whip shake. Pour drink into glass, then add a GENEROUS amount of crushed/pebble ice until it’s pouring over. Add a couple dashes of angostura bitters to the top of the ice mountain. Garnish with some clean pineapple leaves and a pineapple chunk and cheers!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out.   We’ve got a doctor in the house today, friends. In this episode, mental health expert Dr. John Delony gives Rachel and George some financial therapy, plus shares his hot takes on your money and relationship questions.   Next Steps:  🛒 Check out John Delony’s Questions for Humans: Friends Second Edition. 🎥 Watch our video Spilling the Financial Tea With Our Better Halves. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or[JS1]  send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Alice From Dallas  Recipe from Difford’s Guide: 1/2 ounce Galliano Espresso coffee liqueur 1/2 ounce Grand Marnier or other cognac orange liqueur 1/2 ounce Patrón Reposado tequila   Instructions: Select a shot glass. Refrigerate ingredients. Once chilled, layer in a chilled glass by carefully pouring ingredients in the order listed. Enjoy!    Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership  Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out. Justin Baldoni and Blake Lively, McDonald’s hot coffee, Gwyneth Paltrow on the slopes—we’re breaking down the most infamous (and expensive) lawsuits in pop culture history. After running the numbers, were they really worth the cost? Tune in to find out!   Next Steps: 🛡️ Find financial services you can count on with RamseyTrusted® 🎥 Watch our video Money Motives Hidden in Shocking True Crime Stories. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!  Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Paloma Mocktail Recipe: The Wooden Skillet 1 grapefruit, juiced 1/2 blood orange, juiced 1 tablespoon fresh lime juice 1/4 cup club soda 2 sprigs fresh thyme   Kosher salt   Instructions: Use the grapefruit or blood orange to rub the rim of the glass. Pour kosher salt on a plate and turn the glass upside down to turn the glass rim in the salt. Add grapefruit juice, orange juice, lime juice, and club soda to a lowball glass. Add as much ice as desired. Garnish with fresh thyme and/or grapefruit slice.    Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan. Is there ever a financially “right” time to have a baby? In this episode, Rachel and George answer your biggest money questions about starting a family and raising kids—so you know what to expect when you’re expecting. Next Steps: 🎥 Watch our video Putting Our Financial Knowledge to the Test (With Special Guests!). 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: The Bourbon Orange 🍊 Recipe: @muddlenmix 2 ounces bourbon 1 ounce fresh Sumo Citrus juice 1/2 ounce orange liqueur 1/2 ounce simple syrup 2–3 dashes orange bitters 1–3 ounces soda water Ingredients: To your cocktail shaker, add bourbon, fresh Sumo Citrus juice, orange liqueur, orange bitters and simple syrup and ice. Shake well to incorporate flavors and chill the cocktail. Add ice to rocks glass and strain shaken cocktail over fresh ice. Top with soda water. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan.   You can’t judge a book by its cover, but can you judge someone’s ability to build wealth by their financial habits? In today’s episode, Rachel Cruze and George Kamel are waving their red flags at things that scream, “I’m bad with money.”   Next Steps: 🎥 Watch our video How to Spot “Beige Flags” in Money and Relationships. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!  Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special:🍹Easy Watermelon Margarita • 4 cups frozen watermelon • 1/2 cup tequila • 1/4 cup triple sec• 1/3 cup fresh lime juice • 2 tablespoons honey • 1 cup ice   Instructions: Cut up your watermelon and freeze it on a baking sheet for at least six hours. Add watermelon, tequila, triple sec, lime juice, honey and ice to a blender. Blend until completely smooth. Pour into salted rim glass and serve with lime. Enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan. Today we’re answering your real-life money questions! In this episode, Rachel and George listen to your voicemails and share their hot takes on everything from wedding expenses to kids’ braces. Next Steps: 🎥 Watch our video Responding to Your Complicated Money Situations (Our Two Cents). 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517.[JR1]  💵 The simplest way to budget. Download the EveryDollar app for free!  Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: ☘️ Irish Maid Recipe: @anatomyofadrink  2 ounces Irish whiskey 1/2 ounce elderflower liqueur 3/4 ounce lemon juice 1/2 ounce simple syrup 2 cucumber slices Instructions: Add all ingredients to shaker tin, add ice and shake until chilled. Fine strain into a glass over fresh ice and garnish with a cucumber slice. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. Does your current net worth feel like a power move or a bad punch line? In this episode, Rachel and George break down how what you’ve got compares to the average American by age and why it matters for your future. Next Steps: 🎥 Watch our video Do We Have It Harder Financially Than Our Parents? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Banana Old-Fashioned Recipe: @parttimemixologist 2 ounces bourbon 1/4 ounce banana syrup 3–4 dashes black walnut bitters Instructions: Add all ingredients to a glass with ice and stir.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. Is it harder for Gen Z to get ahead with money compared to other generations? In this episode, Rachel and George break down what’s working for and against them—plus answer Gen Z’s biggest questions about how to win financially. Next Steps:  🎥 Watch our video Dave Ramsey Answers Your Most-Asked Questions. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Strawberry Mint Mojito Mocktail Recipe: Soda Sense  3 strawberries 16 mint leaves 0.75 ounce lime juice  2 ounces sparkling water   Instructions: Grab a rocks glass and fill it with strawberries and mint. Begin lightly muddling your two ingredients together until fully incorporated. Next, add lime juice, fill the glass with ice, and top your drink off with sparkling water. To incorporate the ingredients more, lightly mix in an upward direction. Garnish with lime wheels and strawberries.   Explore More From Ramsey Network:   💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Anyone else feel like being middle class is making a comeback? In this episode, Rachel and George talk through why this is happening, plus invite you to play along as they react to the internet’s favorite “middle-class luxuries.” Next Steps:     🎥 Watch our video Things That Scream “I’m Pretending to Be Upper Class.” 🍸 Follow Smart Money Happy Hour on TikTok: smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Hot Honey Strawberry Bourbon Smash Recipe: The G and M Kitchen 1 1/2 ounces bourbon 3 fresh sliced strawberries 1/2 ounce hot honey 2 basil leaves Instructions: Add the sliced strawberries and two basil leaves to a rocks glass. Top with 1/4–1/2 ounce of hot honey. Thoroughly muddle so that the strawberries are almost all liquid. Top with 1 1/2 ounces bourbon and ice and stir well. Stir thoroughly so that the muddled strawberries are well distributed and do not stay at the bottom of the glass. Garnish with fresh strawberries and more basil.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. Ever wonder how we went from using gold coins to dollar bills? In this episode, Rachel and George celebrate America’s birthday by unpacking the wild history of U.S. currency and testing your knowledge with some fun American money trivia. Next Steps: 🎥 Watch our video Unique Money Traditions You Won’t Find in the U.S. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Broad Stripes and Bright Stars Recipe: Social and Cocktail 1/2 ounce absinthe 2 ounces blueberry vodka 1/2 ounce simple syrup 1/4 ounce lemon juice 1/4 ounce raspberry liqueur 2 ounces ginger beer 3 blueberries 1 sugar cube Instructions: Muddle fresh blueberries and add syrup, absinthe, juice and vodka. Add ice and shake and pour into highball glass. Drizzle liqueur and top with ginger beer. Garnish with one sugar cube. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Is starting an online fundraiser for yourself so you can go to Yoga Teacher Training really cringy or kind of genius? In this episode, Rachel and George react to the wildest GoFundMe campaigns out there. Plus, find out why giving is actually the most fun you’ll have with money.   Next Steps: 🎥 Watch our video Dupes, Counterfeits, Scams, Oh My! Is Anyone Safe? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!    Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: Love Gun 🥃Recipe: @anatomyofadrink 2 ounces light rum 3/4 ounce lemon juice 1/2 ounce raspberry syrup 1/2 simple syrup 1/4 St. Elizabeth Allspice Dram 1 1/2 ounce club soda   Instructions: Add all ingredients to shaker tin, add ice and shake until chilled. Strain into a glass over a large ice cube and top with club soda.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Inflation is real right now . . . but we do have some things going for us. In this episode, Rachel and George reveal which things are cheaper now than they used to be, plus which purchases you can make that hold their value. Next Steps: 🎥 Watch our video What Will It Cost to Live in 40 Years? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Godfather Recipe: @moodycocktails  1 ounce amaretto 1 ounce scotch 3 dashes Angostura bitters Instructions: Pour all ingredients into an old-fashioned glass filled with ice cubes. Stir gently.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Swapping sparklers for potato flakes for a budget-friendly wedding send-off might seem smart—until you end up covered in mashed potato. In this episode, Rachel and George react to real “frugal wedding fails” and share their take on what’s actually worth the money when planning your big day.   Next Steps: 🎥 Watch our video Spilling the Financial Tea With Our Better Halves. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 The simplest way to budget. Download the EveryDollar app for free!    Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Aperol Tequila Sour Recipe: @cocktails 1 1/2 ounces tequila  1/2 ounce Aperol 1/2 ounce strawberry syrup 3/4 ounce lemon juice 1 egg white 3 dashes Angostura bitters    Instructions: Add all ingredients to a shaker. Shake without ice and then shake again with ice. Double strain over ice and add dashes of bitters.    Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Could your guilty pleasures—like fancy water or a fresh manicure appointment—actually be keeping you broke? Find out in this episode as Rachel and George reveal their own “guilty pleasure” purchases, plus react to some of yours.    Next Steps: 🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 The King’s Shilling Recipe: @anatomyofadrink 1 ounce bourbon 1 ounce aged rum 1/4 ounce coffee liqueur 1/4 ounce pineapple syrup 3 dashes Angostura bitters Orange twist as a garnish Instructions: Add all ingredients to a mixing glass and stir with ice until chilled. Strain into a glass over a large ice cube. Garnish with an orange twist.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. Would you rather buy one pair of expensive designer shoes or get five cheap pairs in every color? In this episode, Rachel and George make their case for quality vs. quantity, plus help you decide when it’s best to splurge or save. Next Steps: 🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Woo Woo Cocktail Recipe: Difford’s Guide 1 ounce vodka 1/2 ounce peach schnapps 2 1/3 ounces cranberry juice Instructions: Select and pre-chill an old-fashioned glass. Shake all ingredients with ice and strain into an ice-filled glass. Garnish with a lime wedge. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   From Abercrombie jeans to Juicy Couture tracksuits, some things just felt fancier in the ’90s. In this episode, Rachel and George invite you to play along as they reveal the price of nostalgic status symbols and decide if they’re still worth the splurge today.   Next Steps: 🎥 Watch our video Do We Have It Harder Financially Than Our Parents? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.  Today’s Happy Hour Special: 🍹Coconut Mojito Mocktail Recipe: Kale Junkie 1/4 cup light canned coconut milk 1/2 lime 2 ounces ginger beer 2 ounces sparkling water 10 mint leaves Sea salt for rimming the glass Instructions: Cut the lime into slices and rub one of the slices along the rim of a tall glass, so that the lime juice coats it. Place the glass rim-down into the sea salt and rotate until the sea salt sticks to the rim. Add the mint leaves to a tall glass , then, using a muddler or a spoon, muddle the mint leaves together until the minty smell begins to release. Add all the ingredients and stir. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk. Next Steps: 🎥 Watch our video Things That Scream “I’m Pretending to Be Upper Class.” 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Classic Gimlet 2 1/2 ounces gin 1/2 ounce lime juice 1/2 ounce simple syrup Instructions: Combine all ingredients in a cocktail shaker filled with ice. Shake for 10–15 seconds until well chilled. Double strain through fine mesh strainer into chilled coupe glass. Garnish with a lime wheel. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever left a comment on this show saying we’re out of touch, totally wrong or just plain crazy—we see you! 😅 In this episode, Rachel and George react to the hottest takes from our comments section to see if any of them might have a point. Next Steps: 🎥 Watch our video Explaining Our Most Hated Financial Advice. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe.  🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Sparkling Strawberry Coconut Mocktail Recipe: @drinkteabar 2 ounces strawberry puree 6 ounces sparkling water 2 ounces coconut milk Instructions: Add strawberry puree to your glass. Add ice and sparkling water. Stir and top with coconut milk.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. Dropping $10 on latte art . . . Waste of money or totally worth it? In this episode, Rachel and George call out the dumbest things people spend money on, plus you’ll find out what questions to ask next time you’re tempted to splurge. Next Steps: 🎥 Watch our video Frugal Fails That Might Actually Ruin You. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Sparkling Pear Mocktail Recipe: Cotter Crunch 3 Anjou pears 1/3 cup water 1 tablespoon mulling spices 2 cinnamon sticks 1/4 teaspoon ground ginger 1 teaspoon vanilla extract 1/4 cup maple syrup 24 ounces sparkling apple juice Instructions: Place the peeled, sliced pears and water in a high-speed blender. Blend until smooth. Add the pear puree in a small pot along with the mulling spices, cinnamon, ginger, and vanilla. Mix together and let the pot simmer for 15 minutes on medium low. Remove from heat, mix in the maple syrup and cool. Once cool, strain and store the remaining syrup in a sealed jar. Place in the fridge until ready to use. To make the mocktails, place sugar on a large plate. Coat the rim of a wine or cocktail glass with egg white then dip in the plate of sugar. Add 1/4 cup pear syrup followed by 5–6 ounces of sparkling apple juice. Stir then add ice, if desired, and garnish with herbs. Repeat to get 4–6 mocktails. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re willing to go into debt for limited-edition Mickey Mouse ears 🐭 . . . it’s time to stop the madness. In this episode, Rachel and George reveal Disney adults’ top hacks so you can enjoy the most magical place on Earth without breaking the bank. Next Steps: 🎥 Watch our video What Are “Vacations” Really Costing You? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 La Tourista Recipe: @taco.dia 2 ounces tequila 1/2 ounce St-Germain elderflower liqueur 1/2 ounce Aperol 1/2 ounce simple syrup 1 ounce lemon juice 2 dashes bitters Instructions: In a cocktail shaker, add all the ingredients and shake to combine. Strain into a glass filled with ice. Garnish with orange peel or rosemary sprig if desired.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. Today’s special guests may not be old enough to drive a car, but they’ve got some serious money chops. In this episode, test your knowledge as Rachel and George quiz each other (and the Cruze kids!) on personal finance. Next Steps: 🎥 Watch our video Surprising Money Facts Everyone Should Know. 👩‍🏫 Enter for a chance to win the Ramsey Teacher Appreciation Giveaway! 👦 Get the Financial Peace Kids toolkit. 📘 Get Smart Money Smart Kids by Dave Ramsey and Rachel Cruze. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍋 Lavender Lemonade Recipe: @theenikj 1 1/2 cup sugar 1 cup water 1 tablespoon dried lavender buds 1 1/2 ounces butterfly pea flower tea 3 ounces lemonade Instructions: Lavender simple syrup: Place sugar, water and lavender buds in a small, covered saucepan on medium heat. Once it’s at a boil, reduce heat and let simmer for 10 minutes. Strain into an airtight container and store in the fridge. Mocktail: Brew the butterfly pea flower tea. Then, add lavender simple syrup to the bottom of a highball glass. Add ice and pour in lemonade. Garnish with fresh lemon slices before adding more ice and topping with butterfly pea flower tea.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   If buying a house feels impossible, you’re In this episode, Rachel and George tackle your biggest housing questions and reveal which home upgrades are at the top (and bottom) of their list.   Next Steps: 🎥 Watch the video “Harmless” Purchases That Drain Your Bank Account. 🏠 Pay off your home faster! Try our Mortgage Calculator. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Midnight Tart Cherry Mocktail Recipe: Munching With Mariyah   1/2 cup (4 oz.) tart cherry juice 1 medium lime, both zest and juice 2 teaspoons honey or maple syrup 1/8 teaspoon vanilla extract 1/8 teaspoon Celtic sea salt Sparkling water   Instructions: Add the cherry juice, lime zest, lime juice, honey or maple syrup, vanilla extract, and sea salt into a jar. Then either shake the jar vigorously for 30 seconds or mix using a frother. Pour the mixture over a glass filled with ice and top with equal parts sparkling water.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. “Does George Kamel even know how much things actually cost?” In this episode, Rachel and George react to savage comments and defend their controversial money takes with facts even the haters can learn something from. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financial Advice. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 The Professor Recipe: @Timthetankofficial 1 can Dr. Pepper 2 ounces whiskey 2 ounces rum 2 ounces cherry liqueur Juice of half a lemon Instructions: Pour Dr. Pepper into a glass. Add to the empty can ice, whiskey, rum and cherry liqueur, and squeeze in the juice of half a lemon. Top off with the Dr. Pepper. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’d happily drive an extra 10 minutes to save 10 cents a gallon on gas—no judgment! In this episode, Rachel and George confess to money habits that don’t always make sense. Plus, they share what it means for you if you can relate. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financial Advice. 📘 Get Rachel Cruze’s book Know Yourself, Know Your Money. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: ☕️ Citrus Cardamon Coffee Spritzer Recipe: Recipe Fiction Citrus Cardamom Coffee Spritzer 1 ounce cardamom-infused simple syrup 4 ounces cold coffee 1/2–1 teaspoon fresh lemon juice Soda water or seltzer to top Cardamom Simple Syrup 1/2 cup sugar 1/2 cup water 8–10 pods cardamom, crushed Instructions: Cardamom simple syrup: Combine water, sugar and heat until just boiling. Add crushed cardamom pods and allow to steep for at least 30 minutes or up to overnight. Strain to serve. Citrus cardamom coffee spritzer: Combine simple syrup, coffee and lemon juice in a 12-ounce glass. Add ice and top with fizzy water. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Whether you’re a weekend DJ or assembling boxed furniture, extra money is extra money. In this episode, find out how to pick a good side hustle that makes the most of your time and talents.   Next Steps: 💸 Take the quiz to find out what side hustles are best for you! 💰 Take the Money Finder challenge and uncover extra cash today!  🎥 Watch our video Habits Wasting Your Time (and Money) in 2024. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Kentucky Colonel Recipe: Difford’s Guide 2 ounces Bourbon whiskey 1/2 ounce Bénédictine D.O.M. liqueur Instructions: Select and pre-chill an old-fashioned glass. Prepare garnish of lemon zest twist. Stir all ingredients with ice. Strain into ice-filled glass. Express lemon zest twist over the cocktail and use as a garnish. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. Is dragging yourself to the airport at 4 a.m. for a $90 round-trip flight worth it? In this episode, Rachel and George weigh in on travel budget hacks you can try to save big on your next trip. Next Steps: 🏅Help us make the show better! Please fill out a quick survey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Seabreeze Recipe: Difford’s Guide 1 2/3 ounce Ketel One vodka 2 1/2 ounce cranberry juice 1 ounce pink grapefruit juice Instructions: Select and pre-chill a Collins glass. Prepare garnish of lime wedge and shake all ingredients with ice. Strain into ice-filled glass and garnish with lime wedge. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re debt-free but holding onto that Disney credit card, you might be “Ramsey-ish.” In this episode, find out what that means for you and your finances. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  📗 Order George Kamel’s new book, Breaking Free From Broke. 📚 Get Rachel Cruze’s Kids Book Bundle. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Cranberry Fizz Mocktail Recipe: @holisticrendezvous 1 ounce cranberry juice 1/2 ounce rosemary thyme syrup Top with sparkling water Rosemary sprig (garnish) Ice (cranberry and rosemary) Instructions: Syrup: Combine all ingredients and bring to a boil. Reduce to a simmer for 10 minutes and then remove from heat. There should be about 3/4 cup liquid left. Strain and store in the fridge for about a week. Mocktail: Rim a lowball glass with maple syrup (or honey) and coarse sugar and fill with ice. Add all ingredients and top with fresh or frozen whole cranberries and a sprig of rosemary. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 The EntreLeadership Podcast   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   On a scale of cloth diapers to compost, how crunchy are you? In this episode, get Rachel and George’s take on popular “clean” products. Plus, find the best crunchy money-saving hacks out there.   Next Steps: 🎥 Watch our video The #1 Budget Buster That No One Can Avoid. 🏅 Help us make the show better! Please fill out a quick survey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Kentucky Flyer Recipe: Difford’s Guide Luxardo maraschino cherries (optional for garnish) Mint sprigs (optional for garnish) 1 1/2 ounces straight rye whiskey 1/2 ounce Luxardo maraschino liqueur 1/3 ounce lemon juice (freshly squeezed) 1/6 ounce chilled water 3 drops saline solution Instructions: Pre-chill a Nick and Nora glass. Prepare a garnish of skewered Luxardo maraschino cherries and a mint sprig. Shake the rest of the ingredients with ice and fine strain into the chilled glass. Garnish with the skewered cherry and mint sprigs bouquet. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙 The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan. Nothing screams emergency fund like a full-scale raccoon home infestation. In this episode, Rachel and George share the weirdest things listeners spent their emergency fund on and the lessons we can learn from these scary stories.   Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     🏅 Help us make the show better! Please fill out a quick survey. 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Cubanada Recipe: Difford’s Guide   Ingredients: 1 2/3 ounces Caribbean blended rum aged 6–10 years 3/4 ounce lime juice (freshly squeezed) 1/2 ounce maple syrup   Instructions: Select and pre-chill a Coupe glass. Prepare garnish of lime wedge. Shake all ingredients with ice. Fine strain into chilled glass. Garnish with lime wedge on rim.    Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Today we’ve got two very special guests in the studio . . . Winston Cruze and Whitney Kamel! In this episode, Rachel, George and their spouses spill the tea on married life, money, and how the two mix.   Next Steps: 🏅 Help us make the show better! Please fill out a quick survey.  🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍸 Hanky Panky Recipe: Liquor.com   Ingredients: 1 1/2 ounces gin 1 1/2 ounces sweet vermouth 2 dashes Fernet-Branca Garnish: orange twist   Instructions: Add the gin, sweet vermouth and Fernet-Branca into a mixing glass with ice and stir until well-chilled. Strain into a chilled cocktail glass. Garnish with an orange twist.   Explore More From Ramsey Network:   💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Do you ever feel like the “poor friend” of the group struggling to keep up? In this episode, Rachel and George talk about money’s impact on different relationships so you can avoid relational drama. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 💵 Start your free budget today. Download the EveryDollar app! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🍹 Sparkling Pink Mocktail Recipe: Lidl Ingredients: 6 ounces raspberries 4 ounces organic lemonade 6 ounces lemon lime seltzer water 2 scoops raspberry sorbet Mint Instructions: Lay 5 ounces of raspberries on a cookie sheet and freeze for 10 minutes. Place ice and frozen raspberries in 2 glasses. Divide lemonade, seltzer water and sorbet between the glasses. Top each glass with remaining fresh raspberries and a sprig of mint.   Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Today we’re giving the people what they want: the man himself, Dave Ramsey. In this special episode, Dave plays 20 Questions with inquiries you submitted about his life, wealth and the things he won’t waste a dime on. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 💵 Start your free budget today. Download the EveryDollar app! 🎥 Watch our video Cheapskate or Resourceful? A Wake-Up Call With Sharon Ramsey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🍸 Black Manhattan Ingredients: 2 ounces rye whiskey 1 ounce amaro 3 dashes black walnut bitters 2 dashes orange bitters 2 brandied cherries Instructions: Add the rye whiskey, amaro and bitters into a mixing glass with ice and stir until well-chilled. Strain into a chilled coupe glass. Garnish with two brandied cherries. Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Remember signing up for that “free” trial of Apple TV+ . . . and four years later, you’re still paying $9.99 a month for it? In this episode, Rachel and George reveal sneaky marketing tactics like this to help you avoid wasting money.   Next Steps: 💵 Start your free budget today. Download the EveryDollar app! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY.   Today’s Happy Hour Special: 🥃 Classic Amaretto Sour Recipe: Real Simple   Ingredients: 1 1/2 ounces amaretto liqueur 1 ounce simple syrup 3/4 ounce fresh lemon juice (from 1 lemon) 1 orange slice, for garnish (optional) 1 maraschino cherry, for garnish (optional)   Instructions: Pour the amaretto, simple syrup, and lemon juice into a cocktail shaker with ice. Shake and strain into a glass filled with ice. Garnish with an orange slice and a cherry, if using.   Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! If you love awkward silences, just try asking your blind date how much money he makes. In this episode, Rachel and George share hot takes on common taboo money topics, plus how you can avoid cringey situations. Next Steps:  🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code Smart Money. Today’s Happy Hour Special: 🍸 Smashing Sage Spritzer (Mocktail) Recipe: Drinking for Two: Nutritious Mocktails for the Mom-To-Be Ingredients: 1 cup fresh or frozen blackberries or cherries 1 tablespoon lime juice 1 teaspoon honey 1/3 cup coconut water 1 cup seltzer 4 sage leaves Additional blackberries and sage leaves for garnish Instructions: Muddle blackberries with sage leaves and honey in the bottom of a shaker. Add lime juice and coconut water; fill shaker with ice. Shake vigorously. Strain, if desired. Divide the shaken mixture between two ice-filled lowball glasses. Top with seltzer and stir. Garnish with fresh sage and blackberries. Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! We all know that person who wears flashy designer logos like they’re personally endorsed by Michael Kors. In this episode, Rachel and George react to ways people pretend to be upper class and discuss how to be smart with your money instead. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.    📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🍸 Japanese Slipper Recipe: Difford’s Guide 1 fluid ounce Cointreau triple sec liqueur 1 fluid ounce green melon liqueur 1 fluid ounce lemon juice (freshly squeezed)   Instructions: Select and pre-chill a martini glass. Prepare garnish of Luxardo maraschino cherry dropped into drink. Shake all ingredients with ice. Fine strain into chilled glass. Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! If you want to have a “new year, new you,” you have to do new things. In the first episode of the new year, Rachel and George share bad money habits you’ll want to ditch in 2025. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.    📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Watch our video How to Start Becoming a Millionaire in 2024.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🧊 Frostbite Tequila Cocktail Recipe: The Spruce Eats 1 1/2 ounces tequila 1 ounce blue curaçao liqueur 1/2 ounce white crème de cacao liqueur 1/2 ounce cream Luxardo Cherries, for garnish Instructions: In a cocktail shaker, pour the tequila, blue curaçao, crème de cacao, and cream. Fill with ice. Shake well. Strain into an ice-filled old-fashioned glass. Garnish with a cherry. Serve and enjoy. Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! It’s almost time to put out the flame on 2024, and we’re feeling reflective. In this episode, Rachel and George look back on the best (and worst 😅) Smart Money Happy Hour moments of the year, including money lessons you won’t want to forget in 2025. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     💍 Get your tickets for Money & Marriage Getaway! 💸 Beat debt and build wealth with Financial Peace University. 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     Best Episodes of SMHH 2024: Why Short-Term Rentals Are No Vacation “Harmless” Purchases That Drain Your Bank Account Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SmartMoney.  Today’s Happy Hour Specials: Reddish Rita Episode: Financial Realities You Learn as an Adult Ingredients: 1 ounce Reposado tequila 1 ounce Blanco tequila 3/4 ounce orange liqueur 1 ounce lime juice 1/2 ounce agave nectar   Corpse Reviver No.2 Recipe: Difford’s Guide Episode: Are You Guilty of These Financial Turnoffs? Ingredients: 3/4 ounce gin 3/4 ounce Cointreau triple sec liqueur  3/4 ounce aromatized wine (e.g. Lillet Blanc) 3/4 ounce lemon juice (freshly squeezed) La Fée Parisienne absinthe   Lemon Drop Mocktail Recipe: Food Banjo Episode: Why Nothing Is Enjoyable Today Ingredients: 1 1/4 ounces lemon juice 3/4 ounce simple syrup 2 1/2 ounces club soda, chilled or sparkling water Sugar Ice Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! It’s easy to get caught up in holiday commercialism during the holidays—just ask the Grinch. In this festive episode, Rachel and George find money lessons in nostalgic Christmas movies that you can apply all year long. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  🎄Shop the Ramsey Solutions store 50 Days of Christmas sale 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe 🌿 Get up to 40% off at Cozy Earth with code Smart Money Today’s Happy Hour Special: 🥛 Upgraded Eggnog Recipe: Town & Country 1.5 ounces Cognac 1 whole egg 1 ounce heavy cream ½ ounce maple syrup ¼ ounce St. Elizabeth Allspice Dram Instructions: Combine all ingredients into a shaker. Shake without ice first, then add ice and shake again to chill and dilute the eggnog slightly (by about 1 ounce). Strain into a chilled glass and garnish with freshly grated nutmeg if desired, enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! When it’s 11:30pm and a snack is calling your name, do you go for McDonald’s French fries or a cheesy gordita crunch? In this episode, Rachel and George debate favorite fast-food and fast casual chains, plus you’ll learn which might be best for your budget. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors: 🥤Raspberry Dream Dirty Soda 🔒 Get 20% off when you join DeleteMe 🌿 Get up to 40% off at Cozy Earth with code Smart Money Today’s Happy Hour Special: Recipe: Favorite Family Recipes Ingredients: 2 cups fresh Raspberries ½ cup sugar 2 cups coconut creamer 2 liters Dr. Pepper Instructions: Puree raspberries and sugar together in a blender until smooth. Store in an airtight container in the fridge if not using immediately. Fill 16oz cup halfway with ice and ¾ full with Dr. Pepper. Add 2 tbsp raspberry mixture and 2 tbsp coconut creamer. Fill to the top with Dr. Pepper and stir well, enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! So, you booked all the Airbnbs for the group hiking trip, but that was two months ago, and Becky still hasn’t responded to your Venmo request? Awkward. In this episode, Rachel and George are responding to cringy financial faux pas you’ve experienced with friends. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMART MONEY.   Today’s Happy Hour Special: 🍹 Division Bell Recipe: Difford’s Guide   Ingredients: 1 ounce mescal 1/2 ounce Maraschino liqueur 3/4 ounce lime juice 3/4 ounce Aperol   Instructions: Shake all ingredients with ice and strain into a chilled glass, then enjoy!   Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🍸 Check out more episodes of Smart Money Happy Hour Tired of giving your dad the same pack of white socks every year for Christmas? In this episode, Rachel and George have the gift inspo you’ve been looking for—plus great ideas for the one on your list who has everything. Rachel and George’s Gift Guide: Wine and Cocktail Lovers Cocktail shaker that doesn’t freeze your hands  Vintage cocktail book People Who Love to Cook Meat chopper Citrus squeezer Tech and Gadget Lovers Cordless phone charger Extended-length phone charger cable Kids Digital camera Parents/Grandparents Neck fan Foot spa Massage gun DeleteMe Spouse Coffee subscription Flower delivery White Elephant/Dirty Santa Milk frother Wine decanter “Take the Hint” Gifts Apple AirTag Rachel’s favorite self-help book: The Anxious Generation by Jonathan Haidt Ramsey Solutions official store (Black Friday deals) For the One Who Has It All Customized sign/art Cozy Earth products (Use code SMARTMONEY for exclusive discount up to 45% off) Today’s Happy Hour Special: 🍷 Red Sans-Gria Recipe from Drinking for Two: Nutritious Mocktails for the Mom-to-Be Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Carefree (and kid-free) travel isn’t the only reason DINKs are living their best life. In this episode, Rachel and George get real about the cost of kids and how to know if you’re ready. Next Steps: 🎥 Watch our video Why Fewer People Are Having Kids Today. 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsor: 🔒 Get 20% off when you join DeleteMe.   Today’s Happy Hour Special: 🍸 Isn’t She Lovely? Recipe: Imbibe 1 1/2 ounces vodka 3/4 ounce fresh grapefruit juice 1/2 ounce lemon juice 1/2 ounce elderflower liqueur 1/2 ounce blanc vermouth 1/4 simple syrup 1 ounce club soda Instructions: Combine all the ingredients except the club soda in a shaker with ice. Shake until chilled, then strain into a collins glass over fresh ice. Top with club soda, and enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! “Alexa, set a timer for tomorrow at 8 a.m. Alexa, turn the thermostat to 70 degrees. Alexa, can you make my budget?” Okay, maybe that last one is a stretch, but modern conveniences can be truly life changing. Find out Rachel’s and George’s take on what technology is worth the hype. Next Steps: 🎥 Watch our video “‘Harmless’ Purchases That Drain Your Bank Account” 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe 🌿 Get up to 40% off at Cozy Earth with code Smart Money Today’s Happy Hour Special: 🥃 Cinnamon-Spiced Orange and Thyme Mocktail Recipe: Pick Up Limes 1/2 cup water 1/4 cup maple syrup 4 sprigs fresh thyme 1/2 teaspoon ground cinnamon 2 tablespoons freshly grated ginger 1/2 lemon, juiced 2 cups ice cubes 2 cups orange juice 2 cups ginger ale Instructions: Add water, maple syrup, thyme sprigs and cinnamon to a small pan and simmer. Reduce heat to low and let it steep for about 3 minutes. Then let it cool to room temperature. Fill a shaker or mason jar halfway with ice cubes and strain in thyme syrup. Add grated ginger and lemon juice. Shake well. Strain contents from shaker over ice cubes, and add orange juice and ginger ale. Enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!    Okay, so maybe you get a little carried away at Bath and Body Works, but at least you risk your financial future on a perm and hair products. In this episode, Rachel and George react to hilarious money fails you found on Reddit.     Next Steps:  📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     Connect With Our Sponsors:  🔒 Get 20% off when you join DeleteMe    Today’s Happy Hour Special: 🍸 Illegal Cocktail  Recipe: Cocktail Society    Ingredients:  1 ounce Mezcal  ½ ounce White rum  ½ ounce Falernum  1 barspoon Luxardo  ¾ ounce lime  ½ ounce simple syrup  1 egg white    Instructions: Add all ingredients to a cocktail shaker with plenty of ice. Shake until the drink is well-chilled and strain the cocktail into a glass, enjoy!    Listen to More From Ramsey Network:    💡 The Rachel Cruze Show  💰 George Kamel  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights    🧠 The Dr. John Delony Show  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Today we’re setting the chrometophobes who haven’t been on a vacation since 2004 free! In this episode, Rachel and George are calling out the irrational money fears keeping you stuck—plus how you can overcome them.   Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMART MONEY. Today’s Happy Hour Special: 🍺 Butterbeer Old Fashioned Recipe: The G&M Kitchen Ingredients: 1 12-ounce bottle cream soda 1/4 cup butterscotch topping 1 1/2 ounces bourbon 1 dash black walnut bitters 1 ounce heavy whipping cream Ice Instructions: Heat the cream soda in a small pot for 5–10 minutes. Remove from heat and stir in the butterscotch topping. Let cool. Add the bourbon, 1 ounce of the cream soda mixture, and a dash of walnut bitters to a rocks glass with ice. Stir to combine. Add whipping cream to a cocktail shaker and shake until thickened. Pour the cream on top of the cocktail and enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   We all love the ‘80s (minus the shoulder pads and neon). But were ‘80s babies better off financially? Find out how your favorite decade stacks up against today when it comes to money.   Next Steps: 💸 Invest in your future with a SmartVestor Pro! Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsor: 🔒 Get 20% off when you join DeleteMe.   Today’s Happy Hour Special: 🎃 Pumpkin Spice Espresso Martini Recipe: The G&M Kitchen   Ingredients: 1 1/2 ounces bourbon 1/2 ounce Baileys Irish Cream 1 1/2 ounces espresso 2 teaspoons pumpkin butter Instructions: Brew 1 shot of espresso. Add ice, bourbon and pumpkin butter to a cocktail shaker. Top with Irish cream and the shot of espresso. Shake for 30 seconds and pour into a coupe glass. Enjoy!   Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   On a scale of “water only at restaurants” to “extreme couponing,” how far would you go to save? Rachel and George weigh in on what savings hacks are really worth your time.   Next Steps: 🎥 Watch our video Cheapskate or Resourceful? A Wake-Up Call With Sharon Ramsey 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsor: 🔒 Get 20% off when you join DeleteMe. Today’s Happy Hour Special: 🥧 Caramel Apple Pie Mocktail Recipe: Merry About Town Ingredients: 6 cups apple cider 1/2 cup caramel syrup 3 cups sparkling water 2 tsp cinnamon 2 apples 6 rosemary sprigs Brown sugar (for rim) Instructions: Mix apple cider and caramel syrup in a pitcher and add cinnamon. Add thinly sliced apples and rosemary sprigs and let sit for 20 minutes. Pour sparkling water into the pitcher and mix. Rim a glass with brown sugar, pour mocktail, and enjoy!   Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!    Would you rather retire in style or broke? (All right, that’s an easy one.) In this episode, Rachel and George are putting you to the test with a financial twist on “Would You Rather.”     Next Steps:   📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsor:  🔒 Get 20% off when you join DeleteMe.    Today’s Happy Hour Special: 🍸 Casino    Recipe: Jean-félix Desfossés on Instagram  2 ounces Bombay Sapphire gin  1/2 ounce Luxardo maraschino liqueur  3/4 ounce lemon juice  1/4 ounce simple syrup  2 dashes orange bitters    Instructions: Fill a shaker with ice and all ingredients, and shake for 10–15 seconds. Strain and pour into a coupe glass. Enjoy!    Listen to More From Ramsey Network:  💡 The Rachel Cruze Show  💰 George Kamel  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights    🧠 The Dr. John Delony Show  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!  Remember Horsegate? When George broke a girl’s heart with just three words: “Sell the horse”? Well in this episode, Rachel and George react to seven of their viral money moments like that one that got your attention.   Next Steps:  🎥 Watch our video Explaining Our Most Hated Financial Advice.  📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  Follow Rachel and George on Instagram for more financial tips: @rachelcruze, @georgekamel  Connect With Our Sponsors:  🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.    Today’s Happy Hour Special: 🍹 French Blonde  Recipe: Today    Ingredients:  1 ounce Bombay Sapphire gin  1/2 ounce Lillet Blanc  1 1/2 ounces freshly strained grapefruit juice  3/4 ounce St.-Germain  1 dash lemon bitters  Grapefruit twist (optional)  Instructions: Add all ingredients to a cocktail shaker filled with ice. Shake and strain into a coupe. Garnish with a grapefruit twist if desired and enjoy!    Listen to More From Ramsey Network:    💡 The Rachel Cruze Show  💰 George Kamel  🎙 The Ramsey Show  💸 The Ramsey Show Highlights    🧠 The Dr. John Delony Show  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!    Would you park a mile away to avoid pricey parking? Or let your home become a sauna to keep AC costs low? Just how far are you willing to go to save on cost of living? Stick around to hear some of the most extreme money-saving hacks out there.     Next Steps:  🎥 Check out our video Girl Math: Smart Financial Strategy or Huge Money Mistake?  📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsors:  🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.    Today’s Happy Hour Special: 🍸 Tequila Manhattan  Recipe: Food & Wine    Ingredients:  2 ounces añejo tequila  1 ounce sweet vermouth  2 dashes mole bitters  Instructions: Combine all ingredients in a mixing glass with ice and stir until thoroughly chilled. Strain into a chilled coupe or over a large whiskey cube. Garnish with a maraschino cherry and/or an orange twist. Enjoy!    Listen to More From Ramsey Network:  💡 The Rachel Cruze Show  💰 George Kamel  🎙 The Ramsey Show  💸 The Ramsey Show Highlights    🧠 The Dr. John Delony Show  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! If you’d rather do literally anything else besides sit down and make a budget (including watching Frozen with your kids for the 10th time), then this one’s for you. In this episode, George and Rachel are responding to the most common excuses for not budgeting.   Next Steps: 📗 Order George Kamel’s new book, Breaking Free From Broke. 📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Connect With Our Sponsors: 🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.   Today’s Happy Hour Special: 🥃 Blackberry Lime Mule Mocktail Recipe: Paige Bakes   4 blackberries Lime juice (1 lime) 2 cups crushed ice 6.8 ounces (1 bottle) ginger beer Instructions: Pour lime juice and muddle blackberries in a glass. Fill the glass with ice and strain blackberry lime juice into a separate glass. Top with ginger beer. Enjoy!   Listen to More From Ramsey Network:   💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   If you’ve ever dreamed of being a contestant on your favorite game show (and yelling “good answer!” at the top of your lungs), then today’s episode is the next best thing! Rachel and George are going head-to-head in our Financial and Fun game, so play along for some money- saving tips. Next Steps: • 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsors: • 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: Dark and Stormy Recipe: Food and Wine  Ingredients: • 2 ounces dark rum • 1/2 ounce lime juice • Ice • 3 ounces ginger beer • 1 candied ginger slice • 1 lime wheel Instructions: Fill a cocktail shaker with ice, add rum and lime juice, and shake well. Strain into an ice-filled collins glass and stir in the ginger beer. Skewer the ginger slice and lime wheel and garnish. Enjoy! Listen to More From Ramsey Network:   💡 The Rachel Cruze Show  💰 George Kamel  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! In this episode, we’re switching things up with a little help from our friends (that means you, #SMHHNation)! Rachel and George are here to weigh in on actual money questions submitted by YOU.   Next Steps: · 🎥 Check out our video Explaining Our Most Hated Financial Advice. · 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsors: · 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.   Today’s Happy Hour Special: 🍸 Fireman’s Daiquiri Recipe: The Cocktail Bible   Ingredients: ·      2 ounces rum ·      1 ounce lime juice ·      3/4 ounce grenadine Instructions: To a shaker, add rum, lime juice, grenadine and ice. Shake, strain into your favorite glass, and enjoy!   Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   The smell of warm cookies, a hug from your bestie, American Idol b-roll—let’s face it, we all love feeling good! But in this episode, Rachel and George explore why dopamine overdosing doesn’t hit quite like it used to—plus how to regain everyday joy.   Next Steps: ·  🎥 Check out our video Should We Sell It All and Be Homesteaders? ·  📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Offer From Our Sponsor: ·      🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney   Today’s Happy Hour Special: 🍸 Lemon Drop Mocktail Recipe: Lemon Drop Mocktail From Food Banjo   ·      Sugar (for rim) ·      4 ice cubes ·      3/4 ounces simple syrup ·      1 1/4 ounces lemon juice ·      2 1/2 ounces club soda ·      Lemon peel (for garnish) Instructions: Place a small pile of sugar on a plate. Take a martini glass and wet the rim with either a lemon half or water. Dip the rim of the glass in the sugar for a nice coating around the rim. Add the ice cubes, simple syrup and lemon juice into a cocktail shaker. Shake together for 15 seconds. Strain the mixture into the martini glass and top with the club soda. Garnish with a lemon peel and enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   We all love a good BOGO, but can you really spend your way into saving more? In this episode, Rachel and George help you identify common “spaving” tricks you may be falling for and how to break the cycle!   Next Steps ·  Never heard of EntreLeadership before? Check out our podcast for business leaders, EntreLeadership. ·  🎥 Check out our video on Girl Math: Smart Financial Strategy or Huge Money Mistake? ·  Invest and plan for your future with a SmartVestor Pro. Get connected for free! · 📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Offer From Today’s Sponsor ·  This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.   Today’s Happy Hour Special: 🥃 The Chestnut Cup Recipe: Cocktails Distilled   Ingredients: ·      1 ounce gin ·      1 ounce Campari ·      1 ounce lemon juice ·      3/4 ounce orgeat Instructions: Combine all the ingredients in a shaker and add a single ice cube. Shake to combine, then strain into a glass filled three-quarters with ice cubes. Top with crushed ice and garnish with an orange wheel. Enjoy!   Explore More Shows From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget!   We’ve all been guilty of some “stupid tax” moments, like that time you spent $75 on a velvet cat pillow (that you didn’t even use). In this episode, Rachel and George confess a few of their own epic money fails and react to some of yours!   Next Steps ·      📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Offers From Today’s Sponsors ·      This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.   Today’s Happy Hour Special: 🍸 Palermo Recipe: Difford’s Guide   Ingredients: ·      1 1/2 ounces vanilla rum ·      1 ounce sauvignon blanc wine ·      1 1/4 ounces pineapple juice ·      1/4 ounce sugar syrup ·      Ice ·      1 pineapple wedge, for garnish Instructions: Shake all ingredients with ice and fine strain into a chilled coupe glass. Add a pineapple wedge on the rim to garnish. Enjoy!     Explore More Shows From Ramsey Network   💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast   Ramsey Solutions Privacy Policy   Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   Did you know there’s one expense that no one on the planet can avoid? And what if we told you the cost of that thing has risen by 26% in the last two years alone? If you’re starting to spiral, don’t panic! Today we’re talking grocery shopping pet peeves, takeout tips and other money and life hacks that can help.     Next Steps   🛒 Use Rachel’s Meal Planner & Grocery Savings Guide to get organized and save money at the store.   📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     Offers From Today’s Sponsors   This episode is sponsored by DeleteMe. 🔓 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.     Today’s Happy Hour Special:🍹 Sparkling Rosemary Peach Mocktail Recipe courtesy of Cake n Knife   ·      5 sprigs rosemary ·      1/2 cup sugar ·      1/2 cup water ·      1/2 chopped peach  ·      4 ounces lemon juice ·      1 cup ice ·      club soda   Instructions: Boil rosemary, sugar and water. Cover and let steep for 15-30 minutes. Strain and let simple syrup cool completely. Muddle peaches with lemon juice and rosemary simple syrup. Fill glass with ice. Strain mixture into a separate glass, top with club soda, and enjoy!     Listen to More From Ramsey Network   💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

 💵 Sign up for EveryDollar today to create a free budget! Are there things in life you wish you’d known sooner? Well, you’re in luck! Rachel and George are here with important life and finance lessons, revealing things they wish they’d known in their 20s. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Watch our video where we break down the realities of adulting! Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney Today’s Happy Hour Special: 🍾 Bourbon Hugo Spritz Recipe: @kristiwithatwist   • 1 ounce bourbon • 1 ounce elderflower liqueur • 3 ounces prosecco • 2 ounces soda water   Instructions: Fill a glass with ice and add bourbon and elderflower liqueur. Top with prosecco and soda water, then stir. Garnish with an optional lime wheel and mint sprig and enjoy!   Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget! Consider this episode your crash course in investing! We get it—investing can be confusing. But don’t worry, Rachel and George are here to break it all down for you in a way that’s so simple even a five-year-old could understand. Next Steps 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Check out our video where we explain our most hated financial advice. 💰 Use the Ramsey Investment Calculator to find out your earning potential! 💸 Find an investing pro today! Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney.   Today’s Happy Hour Special: 🍋‍🟩 Moscow Mule Recipe: Difford’s Guide   Ingredients: • 2 ounces vodka • 1/2 ounce lime juice • 1/3 ounce sugar syrup • 3 ounces ginger beer • Ice   Instructions: In a copper mug, stir together vodka, freshly squeezed lime juice, and sugar syrup. Then, add ice so it fills the mug two-thirds of the way and top with ginger beer. For added flair, serve with an optional lime slice and mint sprig. Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget! Rachel and George have a hot topic on the agenda for this episode: Are Gen Zers just millennials . . . rebranded? Trends, tech, money habits—they’re comparing it all to find out if there really is a clear divide or if it’s just one big generational blur. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Check out this episode to find out what today’s teens are spending their money on. Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney.     Today’s Happy Hour Special: Juicy Julep Mocktail Recipe: Completely Delicious   ·      1 ounce pineapple juice ·      1 ounce orange juice ·     1 ounce lime juice ·      1 teaspoon fresh mint ·      Ginger ale (to top off) ·      Ice   Instructions: Add ice, pineapple juice, orange juice and lime juice to a glass. Top with ginger ale and mint leaves, and stir to combine. Serve right away, garnished with fresh mint.   Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! In this episode, Rachel and George explore the realities of adulting. Spoiler alert: It’s not all fun and games, especially when it comes to those sneaky, money-related expenses. But, before you get too down, stick around because they’re sharing a special tip to instantly make adulthood less depressing! Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Go to our video on Did You Get “The (Money) Talk” as a Kid? 🗞️ Read George’s article, “Why Do I Owe Taxes This Year? 6 Common Reasons” 💛 Pick up a copy of Rachel’s new children’s book, I’m Glad for Where I Am. 🛳️ Book your cabin! Join Dave and the Ramsey Personalities for a luxurious celebration of financial freedom aboard the Live Like No One Else Cruise! 👩🏽‍💻 Are you protected with the right insurance? Find out with our online Coverage Checkup. 🚑 Get covered! Find a RamseyTrusted insurance pro at Zander Insurance.   🖋️ Create your legally binding will using our online will-maker, powered by Mama Bear Legal Forms.    Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.    Today’s Happy Hour Special: 🍋‍🟩 Reddish Rita Recipe courtesy of our Smart Money Happy Hour mixologist 1 ounce of reposado tequila 1 ounce of blanco tequila 3-4 ounces of orange liqueur 1 ounce of lime juice 1/2 ounce of agave nectar Instructions: In a cocktail shaker, combine reposado tequila, blanco tequila, orange liqueur, lime juice and agave nectar. Add ice and shake vigorously until well chilled. Strain the mixture into a salt-rimmed glass and enjoy! Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! It's Independence Day and Rachel and George are celebrating in true Smart Money Happy Hour style—with patriotic cocktails and a little chat about financial independence. Is it a realistic goal, or should you aim for financial peace instead? They'll answer these questions on financial dependencies and more. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Go check out our video on navigating awkward money conversations. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.  Today’s Happy Hour Special: 🇺🇸 American Collins Recipe: The Spruce Eats 1 1/2 ounces of gin 3/4 ounce of simple syrup 3–4 ounces of club soda 1/2 ounce of lemon juice 8 blueberries 4 cherries Instructions: In a collins glass, muddle blueberries, cherries, simple syrup and lemon juice. Then, add the gin and fill the glass with ice. Stir briefly and top with club soda. Garnish with a cherry and a lemon wheel and enjoy!   Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! We’re all guilty of the occasional little white lie, but are they as harmless as they seem? Today, Rachel and George discuss how these fibs could actually be dipping into your wallet without you even noticing. Join them for a look at the financial impact of our everyday words. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Check out George’s video where he breaks down investing for beginners. 💰 Navigate your investments with expert guidance from a SmartVestor Pro. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.  Today’s Happy Hour Special: 🍋 Creamy Lemonade Recipe: Every Little Crumb Servings: 6   Ingredients: • 1/2 can sweetened condensed milk • 1 cup lemon juice • 3 cups cold water • 2 cups ice   Instructions: In a pitcher, whisk together the lemon juice and sweetened condensed milk. Add the cold water and stir, and then add the ice. For added flair, serve with extra lemon slices and optional mint leaves and enjoy!   Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget! Are "Get Ready With Me" videos filling your feed? Join George and Rachel as they explore the internet's latest obsession with watching strangers’ routines, explain how it fuels comparison culture, and offer some helpful tips to keep your spending safe from viral trends. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Watch George and Rachel break down bad habits that are hurting your wallet.   Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.  Today’s Happy Hour Special: 🥃 Maple Bourbon Sour Recipe: Joy + Oliver   Ingredients: • 1 1/2 ounce bourbon • 3/4 ounce lemon juice • 3/4 ounce maple syrup • 4 ice cubes • 1 rosemary sprig   Instructions: In a cocktail shaker, combine the bourbon, lemon juice and maple syrup and fill with ice. Shake until fully combined and pour into your favorite cocktail glass. Garnish with fresh rosemary and enjoy! Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!   Ever feel like “going on vacation” is more work than rest? From booking flights to wrangling kids to drowning in laundry when you get home—it feels like the pre-trip to-do list never ends! So today, George and Rachel are digging into the true cost of rest when it comes to your time, relationships and most importantly, your money.   Next Steps 🖥️ Sign up for FPU to start making progress with your money goals. 💸 Get your sinking fund questions answered with this step-by-step article. 🏖️ Get the scoop on the rise and fall of short-term vacation rentals. 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  Offers From Today's Sponsors  This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.     Today’s Happy Hour Special: Orange Creamsicle Cocktail Recipe: StyledByDaisies.com   Ingredients:  ·     2 ounces whipped vodka ·     1 ounce Cointreau ·     2 ounces orange juice ·     1.5 ounces heavy cream ·     1 orange slice Instructions:  Add vodka, orange liqueur, orange juice, heavy cream and ice to a cocktail shaker. Shake for 15-30 seconds. Pour all contents into a cocktail glass, add more ice if needed, garnish with a fresh orange slice and enjoy! Listen to More From Ramsey Network  🎙️ The Ramsey Show   🧠 The Dr. John Delony Show  💡 The Rachel Cruze Show  💸 The Ramsey Show Highlights  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!   Ever think about turning your back on city life for wide, open spaces and self-sufficiency? From trendy aesthetics to what it really costs to live off the land, Rachel and George are exploring the allure of homesteading to see if the simple life truly is better. Next Steps ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      🎓 Learn to win with money by enrolling in Financial Peace University. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.  Today’s Happy Hour Special: Earl Grey Tea and Tonic Mocktail 🍸 Recipe: Simply Recipes Ingredients: Earl Grey Tea Syrup ·      1 cup sugar ·      1/2 cup water ·      2–3 Earl Grey tea bags Mocktail ·      3/4 ounce Earl Grey tea syrup ·      1/2 ounce freshly squeezed lemon juice ·      3–4 ounces tonic water ·      8 ounces crushed ice Instructions: To make the syrup, combine the water and sugar and bring it to a boil, then remove from the heat. Add the tea bags to steep and let it cool in the fridge for 30 minutes. Fill a highball glass with ice, then pour in the cooled syrup, lemon juice and tonic water. Gently stir and serve.   Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  In this week's episode, George and Rachel are giving financial transformations a nostalgic twist by channeling early 2000s makeover shows, complete with dramatic "before and after" reveals.    Next Steps  📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   🎓 Learn to win with money by enrolling in Financial Peace University.    Offers From Today's Sponsors  This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to http://joindeleteme.com/smartmoney.      Today’s Happy Hour Special: 🍸 Strawberry Basil Martini   Recipe: Styled by Daisies   Ingredients:  2 ounces gin   3/4 ounce strawberry simple syrup  4 basil leaves  1 ounce lemon juice  1 egg white    Instructions:  In a cocktail shaker, combine the gin, strawberry syrup, lemon juice, basil, and egg white. Dry shake, add 5–7 cubes of ice, then shake again. Strain into a chilled martini glass and garnish with a strawberry slice.    Listen to More From Ramsey Network  🎙️ The Ramsey Show   🧠 The Dr. John Delony Show  💡 The Rachel Cruze Show  💸 The Ramsey Show Highlights  💰 George Kamel  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Ever wonder how far some people will go for money? Join George and Rachel as they unravel the dark side of money psychology and its gripping ties to true crime. From insurance payouts to money laundering, they’re uncovering what makes money a motive for crime. Next Steps ·      🖋️ Make a plan for your legacy today! Create your state-specific will online with the help of Mama Bear Legal Forms. ·     🔐 Protect your family’s future. Get free term life insurance quotes from Zander Insurance. ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.  Today’s Happy Hour Special:🍸 Black Widow   Ingredients: ·      1 ounce vodka ·      2 ounces Chambord raspberry liqueur ·      1/2 teaspoon activated charcoal powder ·      1 teaspoon lime juice ·      1 teaspoon simple syrup ·      2 dashes Peychaud’s bitters ·      2-3 Blackberries Instructions: Pour vodka, raspberry liqueur, charcoal powder, lime juice, simple syrup and bitters in a cocktail shaker filled with ice. Shake and strain into glass. Top with blackberries for garnish.   Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget! Sign up for EveryDollar today. If “financial literacy” is as foreign to you as our obsession with avocado toast, that could cost you a lot more than an embarrassing moment at brunch. Join Rachel and George for a breakdown of all the financial terms you need to know. But don’t worry, they’ll be attempting some random trivia of their own. Next Steps ·      💰 It’s never too late to learn about personal finance! Learn more about any financial topic at ramsey solutions dot com. ·      📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it. An Offer From Today's Sponsor  This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan now . Today’s Happy Hour Special:🍸 Margarita Mocktail Recipe: Sugar and Charm Ingredients: ·      1 ounce lime juice ·      1 ounce lemon juice ·     1 ounce simple syrup ·      3 ounces club soda ·      Himalayan pink salt ·      4 ice cubes Instructions: Fill a cocktail shaker with ice and add in the lemon juice, lime juice and simple syrup. Shake. Dip the rim of your glass into lime juice and Himalayan pink salt and add ice. Strain the mocktail into the salt-rimmed glass. Optional: Garnish with a lime wheel. Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  What do puka shells, water beds and lifted trucks have in common? They’re all status symbols (or were at some point). In this episode, Rachel and George will unpack the most popular and bizarre status symbols from throughout history and around the world. They’ll also reveal which ones are worth pursuing—and how to not break the bank in the process. Next Steps ·      📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to http://joindeleteme.com/smartmoney.  🙌   Today’s Happy Hour Special 🍸 Chai White Russian Recipe: Cocktailwave.com Ingredients: ·      2 ounces vodka ·      1 ounce coffee liqueur ·      2 bags chai tea ·      1 ounce cream Instructions: Brew a strong cup of chai tea and let it cool. Stir together with vodka and coffee liqueur. Top with cream and stir gently. Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  Cue the confetti! What better way to celebrate Rachel's and George’s birthdays than with some birthday-themed trends and trivia, the birthday freebie list that dreams are made of, and affordable gift ideas. Plus, they’ll give their best tips for throwing a birthday bash on a budget. Next Steps ·      📘 Check out Rachel’s newest book for a sweet way to talk to your kids about the most important gifts in their lives.   ·      💵 Start budgeting today! Go to everydollar.com/smartmoney to get $15 off the premium version of EveryDollar.   ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Paper Plane Recipe: Liquor.com Ingredients: ·      3/4 ounce bourbon ·      3/4 ounce Aperol ·      3/4 ounce Amaro Nonino Quintessentia ·      3/4 ounce lemon juice, freshly squeezed ·      Ice Instructions: Add the bourbon, Aperol, Amaro Nonino and lemon juice into a shaker with ice and shake until well chilled. Strain into a coupe glass.    Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget. Sign up for EveryDollar today! You were “today years old” when . . . you learned about catch-up contributions, HSA benefits and the scam of genuine leather. Today we’re spilling all the tea on money (and life) lessons we learned too early, too late or right on time. Next Steps 📗 Order George Kamel’s new book, Breaking Free From Broke. https://store.ramseysolutions.com   📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Today’s Happy Hour Special ☕️ The BEST Espresso Martini Mocktail  Recipe: Entirely Elizabeth  Ingredients: -       4 ounces cold brew concentrate -       2 ounces heavy whipping cream -       2 ounces simple syrup -       1/4 teaspoon vanilla extract -       1 pinch of salt -       1 tablespoon cocoa powder -       2 coffee beans -       Ice   Instructions: Add cold brew concentrate, heavy whipping cream, simple syrup, vanilla extract and salt to a cocktail mixer and shake with ice. Coat the rim of a glass with simple syrup and cocoa powder. Pour coffee mixture into the glass. Garnish with coffee beans on top.   Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! We love a heroic attempt to save money! Until it backfires. (Let’s be real: We’ve all botched at least one DIY project.) Join Rachel and George for a relatable recap of the internet’s best frugal fails and find out where penny pinching might cost you more in the long run! Next Steps ·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. ➡️ Don’t miss out on the tax deductions you qualify for—get help from a pro. ·      💵 Start budgeting today! Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.   ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸 Dirty Shirley Recipe: New York Times Cooking Ingredients: ·      2 ounces vodka ·      1 ounce grenadine ·      8 ounces Sprite ·      1 maraschino cherry ·      Ice Instructions: Fill a glass with ice. Add vodka and grenadine. Top with Sprite and garnish with a maraschino cherry. Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget! Sign up for EveryDollar today.  Venmo requests for $2? Obsessively checking the Dow’s daily swings? No thanks! Rachel and George are calling out America’s cringiest financial “icks” so you don’t have to. Plus, they’ve got some thoughts for the haters who think our tried-and-true financial principles are a total turnoff.    Next Steps ·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. ·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.  ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Corpse Reviver No. 2   Recipe: Difford’s Guide Ingredients: ·      3/4 ounce gin ·      3/4 ounce triple sec ·      3/4 ounce Lillet Blanc ·      3/4 ounce fresh lemon juice ·      2 dashes absinthe ·      Ice Instructions: Shake all ingredients with ice and fine strain into a chilled glass. Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today - Create a free Budget! Stash, stash, spend! In this episode, Rachel and George are breaking down America’s current attitude about saving money. Plus, they’ll decide which popular explanations for dipping into savings are justified—and their answers might surprise you. Next Steps ·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. ·       ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Blackberry Paloma Mocktail  Recipe: Moody Mixologist Ingredients: ·      4 fresh blackberries ·      5 dashes smoked chili bitters ·      1/2 ounce lime juice ·      6 ounces grapefruit soda ·      1 ounce butterfly pea tea (room temperature) ·      Ice Instructions: Prepare butterfly pea tea according to package instructions and let cool. Muddle three blackberries in the bottom of a glass. Add bitters and lime juice. Muddle again. Top with ice and grapefruit soda. Add butterfly pea tea and garnish with the remaining blackberry. Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget! Sign up for EveryDollar today.  Life is hard, but it’s nothing a “little treat” can’t fix . . . right? Get Rachel and George’s take on the true cost of those seemingly innocent serotonin splurges. Plus, we’re keeping our hosts honest about the treats they secretly love to indulge in! Next Steps ·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. ·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Mudslide Ingredients: ·      2 ounces vodka ·      1 ounce Bailey’s Irish Cream ·      1 ounce Kahlúa ·      1 1/2 ounces heavy cream ·      Chocolate syrup Instructions: In a cocktail shaker filled with ice, combine the vodka, Bailey’s, Kahlúa and heavy cream. Shake until well chilled. Decorate the inside of your favorite cocktail glass with a drizzle of chocolate syrup. Strain the shaker into the decorated glass and enjoy! Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  Are we the world’s biggest basketball fans? Not exactly. But we’re always game for a friendly bracket competition! Join Rachel and George for a special round of March MONEY Madness as they debate some of the worst financial products in the world. Next Steps ·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.   ·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.   ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Grapefruit Jalapeño Mocktail Recipe: Allianna's Kitchen Grapefruit Mocktail Ingredients: ·      1 cup grapefruit juice ·      1 cup club soda ·      1/2 small jalapeño ·      1 teaspoon lime juice ·      Ice Instructions: Mix grapefruit juice, lime juice and club soda in a glass. Add ice. Garnish with 2–5 jalapeño slices, stir and serve. Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  What do Smart Money Happy Hour viewers really think about cutting up credit cards, the Baby Steps, and combining finances with their spouse? Tune in to find out! This week, George and Rachel react to your comments and raise their glasses to all the keyboard critics, trolls and BFFs who keep things lively in the comments section.   Next Steps ·      🎥 Check out the popular video where we explain our most hated financial advice.   ·      ➡️ Need a plan for your money? Check out Financial Peace University.   ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸Gold Rush Recipe by: Difford’s Guide Ingredients: ·      2 ounces bourbon whiskey ·      3/4 ounce lemon juice ·      3/4 ounce honey syrup (3 honey to 1 water) ·      3 drops saline solution 4:1 (20g sea salt to 80g water)   Directions: Serve in an old-fashioned glass. Garnish with lemon wedge. Shake all ingredients with ice and fine strain into ice-filled glass. Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  We admit it: We love saving money! This week, George and Rachel are dishing out some of their favorite legit (and ludicrous) money loopholes, discounts and freebies that you might miss if you don’t read the fine print. (Free refills at Starbucks? Hello!) Next Steps ·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.   ·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.   ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Grapefruit Coconut Cooler Recipe: Sunny’s Grapefruit-Coconut Cooler Ingredients: ·      8 ounces Ruby Red or pink grapefruit juice ·      2 ounces cream of coconut ·      1/2 ounce agave nectar Instructions: Combine the grapefruit juice, cream of coconut and agave in a small pitcher or bowl and stir to blend. Pour into a glass over ice. Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  Did your parents give you “the talk” as a kid—the money talk, that is? This week, Rachel and George weigh in on how previous generations have done with teaching their kids about money, and what you need to know to raise your own money-smart kids.   Next Steps ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Oaxaca Old Fashioned (with Mezcal) Recipe by: A Couple Cooks Ingredients: ·      1 1/2 ounces tequila reposado ·      1/2 ounce mezcal ·      1 teaspoon agave syrup or honey ·      3 dashes chocolate bitters (or substitute Angostura bitters) ·      Large clear ice cube ·      Orange peel, for garnish Instructions: 1.    Stir the tequila, mezcal, agave syrup, and bitters in a lowball glass. Add a large clear ice cube. 2.    Express the orange peel onto the glass by squeezing it to release the oils.   Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  It’s Smart Money Happy Hour, of course we’re going to take a crack at a fun social media trend and use it to talk about money! This week, Rachel and George put an #OfCourse! twist on things Baby Steps Millionaires do to reach that $1 million milestone and keep building wealth. Shout out to the following creators for their #OfCourse! takes: @kaycegbrown, @dom.domination, @kellymann, @__QueenSie__ and @emyxbudgetsahm. Next Steps ·      🎥 Want to do a deeper dive on the Baby Steps? Check out the How to Start Becoming a Millionaire in 2024 episode. ·      📗Spark conversations with your kids about contentment with Rachel’s kids book, I’m Glad for What I Have. ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸Roseberry Mule Mocktail Recipe by: Tasty   Ingredients: ·      1 handful blackberries ·      1 sprig fresh rosemary ·      1 tablespoon agave nectar or honey ·      1 bottle ginger beer, to taste ·      1 ounce lime juice ·      Ice   Instructions: 1.    In a cocktail shaker or a tall glass, muddle blackberries and rosemary. 2.    Add sweetener and ice, shake until well combined. (If you do not have a cocktail shaker, simply pour back and forth between two glasses until combined.) 3.    Strain mixture over ice and add ginger beer and a squeeze of lime to taste. 4.    Garnish with blackberries and a sprig of rosemary. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!  Room service or extra room? Live like you’ve got a maid or live like a local? Rachel and George weigh in on the pros and cons of staying in a short-term rental (versus a hotel). And if you’re thinking about investing, they’ve got smart money advice for that too.   Next Steps ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸Limelight Recipe by: Queen Bee Mixology   ·      2 ounces Brother’s Bond bourbon ·      1/2 ounce lime juice ·      3/4 ounce simple syrup ·      3/4 ounce pineapple juice ·      3 dashes orange bitters ·      1 ounce Campari ·      Sprinkle of cinnamon Instructions: ·      Add all ingredients, except Campari and cinnamon, to a cocktail shaker, top with ice, and shake until chilled. ·      Add 1 ounce of Campari to cocktail glass, add fresh ice, and strain cocktail shaker contents over top. ·      Sprinkle the top with cinnamon and enjoy!   Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget!    You can’t buy love . . . but don’t tell that to the guy who spends $499 a month on dating apps! Today, George and Rachel break down the cost of dating and what the average American relationship will cost you over a lifetime. The bottom line: Whether you’re married or single, love is expensive—budget accordingly.   Next Steps ·      💡 Need some budget-friendly date ideas? Check out 45 Cheap Date Ideas You’ll Actually Want to Go On.   ·      💵 Start budgeting today! Go to www.everydollar.com/smartmoney to get started. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸 Sparkling Raspberry Floats Recipe by: RICARDO Ingredients: ·      2 cups raspberry sorbet ·      4 dessert cups, placed in the freezer for one hour or more ·      Edible gold leaf glitter ·      2 cups (500 ml) ginger ale Instructions: Place a scoop of raspberry sorbet at the bottom of each dessert or martini glass. Sprinkle with gold leaf glitter. Pour ginger ale in small glasses and serve alongside sorbet. Let each person pour soda over sorbet.   Listen to More From Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Why are wealthy people dressing like they have no money while broke people are trying to dress like they live at the Biltmore? In this episode, George and Rachel break down the latest fashion trends, how they affect your bank account, and why we tend to want what we don’t have.   In this episode: ·     Why trendy things will never be worth what you pay for them, like the Stanley tumbler in cosmo pink ·     Money advice that will always be in style: Spend wisely and don’t go into debt for anything (especially clothes!) ·     George and Rachel reveal their worst fashion moments (Carhartt overalls are mentioned—and not by George) Resources:   ·     Want to make real progress with your money? Get tickets to Total Money Makeover Weekend today. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Maple Manhattan Recipe by Flour Child Ingredients: ·     1 jigger bourbon ·     1/2 ounce sweet vermouth ·     1 tablespoon maple syrup ·     2–3 dashes angostura bitters ·     1–2 Luxardo cherries   Instructions: 1.    Add one scoop of fresh ice to a cocktail shaker. 2.    Pour in all ingredients. 3.    Shake for about 20 seconds and then strain into a cocktail or coupe glass. 4.    Garnish with a Luxardo cherry. Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s out with the old and in with the new! George and Rachel are sounding off on the bad habits you need to quit in 2024—like not having an emergency fund, impulse buying, and forgetting your blinker—and sharing some smart money habits to build instead. Plus, get the $1.32 mocktail that earned a 10 out of 10.   In this episode: ·      Rachel’s “add it to the cart” habit to help you spend less money ·      The habit George loves that lets you earn 3–5% more money ·      Habit-change motivation from the great philosopher Miley Cyrus: “Ain’t about how fast I get there . . . it’s the climb.” Resources:   ·      What to make real progress with your money? Get tickets to Total Money Makeover Weekend today. ·      Get George’s new book, Breaking Free From Broke, and get three months free of the premium version of EveryDollar. ·      Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·   Help us make the show better! Please fill out the quick survey. https://bit.ly/3U2zLeP ·      Learn more about your ad choices: https://www.megaphone.fm/adchoices ·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Mojito Mocktail Recipe by Culinary Hill Ingredients: ·      10 fresh mint leaves plus more for garnish (see note 1) ·      1/2 lime cut into 4 wedges, divided ·      2 tablespoons granulated sugar or to taste (see note 2) ·      1 cup ice cubes ·      1/2 cup club soda (see note 3) Instructions: 1.    In a medium sturdy glass add mint leaves and 1 lime wedge. Use a muddler to crush the mint and lime, releasing the mint oils and lime juice. 2.    Add 2 more lime wedges and the sugar, and muddle again to release the lime juice. Do not strain the mixture. 3.    Fill the glass almost to the top with ice. Add club soda and more sugar to taste if desired. Garnish with mint leaves and remaining lime wedge. Notes: 1.    Mint: Mojitos are typically made with spearmint, not peppermint. 2.    Sugar: Or substitute agave, honey, or simple syrup and add it to taste. However, the grittiness of granulated sugar adds texture and is part of the charm of a mojito. 3.    Club soda: Or choose sparkling water or a clear soda such as Sprite of 7UP. 4.    Yield: This recipe makes 1 mojito mocktail. Learn more about your ad choices. Visit megaphone.fm/adchoices

Some things we’ve just gotten used to—like $4 coffee, the F-bomb on TV, and your cousin Fred oversharing on Facebook. But has our nothing-shocks-us society also desensitized us to the effects of living in debt? George and Rachel weigh in. Join them for a New York twist on a classic cocktail and smart money tips to ditch debt and build wealth.   In this episode: Things we should find shocking, like a $500 car payment and retiring with a mortgage Sputnik, “Carmageddon” and the gateway drug to debt: the credit score The antidote to overspending (so you can enjoy what you have now while you work for the things you want later) Resources:   What to make real progress with your money? Get tickets to Total Money Makeover Weekend today. Get George’s new book, Breaking Free From Broke. Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Learn more about your ad choices: https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: New York Sour Ingredients: 2 ounces bourbon 1 ounce lemon juice 1/2 ounce simple syrup 1 egg white 2 dashes angostura bitters 1/2 ounce claret wine Instructions: Add the bourbon, lemon juice, simple syrup and egg white into a shaker with ice. Shake it vigorously until it's chilled. Then strain the mixture into a rocks glass over fresh ice. Slowly pour the claret wine over the back of a bar spoon so the wine floats on top of the drink. Voilà! Sip your sour in New York style. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you shop like the cool kids? Join Rachel and George for a breakdown on the brands and stores American teens loved in 2023 and the cash app they used to pay for it all. (Caution: This episode contains high levels of nostalgia. Side effects may include sudden reminiscing and an overwhelming urge to say, “Back in my day . . .”) In this episode: ·   What the average teen spends $200 a month on ·     Rachel explains physical cash to teenagers and why it’s better than digital ·     The biggest money trap teens are falling for and how to help your kids avoid them Resources:   ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Spicy Pineapple Ginger Mocktail Recipe by Ramona Cruz-Peters at FabEveryday Ingredients: ·     Ice, for shaker and for glass ·     3 ounces pineapple juice, plus more for rimming ·     1 ounce agave nectar ·     1/2 teaspoon chili powder ·     Ginger beer, chilled (for top off) ·     Tajin seasoning, for rimming ·     Small pineapple wedge, for garnish (optional) ·     Whole Thai chili pepper or thinly sliced jalapeno, for garnish (optional)   Instructions: Add 3 ounces pineapple juice, agave nectar, and chili powder to a cocktail shaker filled with ice. Cover and shake until the ingredients are well mixed and chilled. Place additional pineapple juice on a small saucer or plate. Place the Tajin seasoning on a separate small plate. Dip the rim of a rocks glass in the pineapple juice, followed by the Tajin to coat the rim. Pour ice into the glass, then pour the pineapple mixture over the ice. Top off with ginger beer. If desired, garnish with a small wedge of pineapple and a chili pepper (or a few slices of jalapeno). Learn more about your ad choices. Visit megaphone.fm/adchoices

Think you’ll never make it to $1 million? Think again! This week, George and Rachel break down the proven path to this iconic financial milestone and bust some myths about the lifestyles that everyday millionaires (like themselves) actually live. Listen in to learn how you can get one step closer to millionaire status in 2024! In this episode: ·     One of the most epic moments in 1990s game show history ·     The top five (surprisingly normal) careers of millionaires in the U.S. ·     The exact steps both Rachel and George took to become net-worth millionaires Resources:   ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Preorder George’s new book, Breaking Free From Broke, today! ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: Kir Royale Ingredients: ·     4 ounces champagne ·     1 ounce of crème de cassis ·     3 raspberries   Instructions: Add the crème de cassis to a champagne flute and then top with the champagne. Skewer the raspberries on a toothpick to garnish (or keep it simple and just drop them in your glass). Enjoy! 🥂 Learn more about your ad choices. Visit megaphone.fm/adchoices

Resolution #1: Don’t fall for the hype! Just in time for 2024, Rachel and George are here to protect your budget (and your sanity) from the Internet trends and must-have products that don’t pay off—and green-light some that do.   In this episode: ·      Is Taylor Swift really worth her weight in gold? ·      George throws some shade on the TikTokers ·      Why paying with cash (and resisting an impulse buy) is always cool   Resources:   ·      Pre-order George’s new book, Breaking Free From Broke, today. ·      Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·      Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Learn more about your ad choices: https://www.megaphone.fm/adchoices ·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Smoked Campfire Mule Ingredients: ·      1 1/2 ounces bourbon ·      1/2 ounce of lemon juice ·      1/4 ounce of maple syrup ·      4 ounces of ginger beer ·      1 toasted marshmallow (for garnish) ·      Wood chips (for smoking)   Instructions: Before mixing the cocktail, smoke the glass. (Pro tip: The smoke will stick better to a chilled glass.) Light the ingredient that you’re smoking (we used a few wood chips) with a match. Turn your chilled glass upside down over the smoke and allow it to fill the interior of the glass. Leave your glass upside down over the smoke and start making your cocktail.   Add the bourbon, lemon juice, maple syrup and ice into a shaker, then shake until chilled. Strain the liquid into the smoked glass and top with ginger beer. Garnish with a toasted marshmallow (use a kitchen food torch to toast it) and cheers to 2024! Learn more about your ad choices. Visit megaphone.fm/adchoices

Put your tray tables up and hold on to your drinks, George and Rachel are taking you on a world tour of the national holidays that you never knew existed (plus a few that you did) and sharing their money-related hot takes along the way. Grab your party hat and join the fun because, hey, it's a holiday somewhere! In this episode: ·     George is cast as Grinch—or is he Scrooge? ·     The fast-food favorite that the Japanese eat every Christmas Eve ·     A holiday reminder not to let “December you” financially sink “January you”   Resources:   ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Start making memories. Get Telestrations at Walmart or wherever you buy board games. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Pre-order George’s new book, Breaking Free From Broke, today! ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Christmas Mocktail Recipe from Love Bakes Good Cakes Ingredients: ·     Ice ·     2 ounces cranberry juice ·     2 ounces apple cider or apple juice ·     1 ounce orange juice, fresh squeezed ·     2 ounces ginger ale Instructions: Fill a tall glass with ice. Add the cranberry juice, apple cider, and orange juice, stir to combine. Top with ginger ale. Serve with garnishes of your choice. Notes: This can also be made in a large pitcher. Keep the measurements the same, 2 cranberry juice, 2 apple cider, 2 ginger ale, to 1 orange juice. Want to add alcohol? Gin, vodka, rum, or tequila are all good choices! Learn more about your ad choices. Visit megaphone.fm/adchoices

Ho ho ho? Oh no no no. Rachel and George look back on live calls from The Ramsey Show that they wish they’d handled differently. Stay tuned for a budget-friendly cocktail and money advice served up with a twist of #noragrets.   In this episode: ·     The one where George put (the horse’s) foot in his mouth ·     The one where Rachel gets corrected on air ·     George and Rachel redeem themselves with quick thinking and solid money advice in an exciting round of “Don’t Get Buzzed!”   Resources:   ·     Listen to or watch The Ramsey Show now. ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Start making memories. Get Telestrations at Walmart today! ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Pre-order George’s new book, Breaking Free From Broke, today! ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Bourbon Apple Cider Mimosa Ingredients: ·     1 ounce bourbon ·     2 ounces apple cider ·     3 ounces champagne ·     caramel sauce ·     apple slices (optional) Instructions: Rim the champagne flute with caramel sauce. Pour in the bourbon, add the apple cider, and top it off with the champagne. Garnish with a few thin apple slices, take a sip, and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Have more money and less stress! Preorder Breaking Free From Broke for just $20 and get $100 of bonus items! But hurry—this limited time offer ends 1/15/2024. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve got champagne taste on a beer budget, this is your wake-up call! George and Rachel share their hot takes on things people do that scream, “I’m bad with money!” If any of this sounds familiar to you, don’t panic. Stick around for smart money advice—and even a cocktail you can afford. In this episode: ·      George’s hot takes on babies in designer clothes, broke people getting tattoos, and “shopping” at Rent-A-Center ·      Why an “I can afford the payments” mentality is risky ·      Encouragement that it’s not too late to develop a smart money mindset Helpful Resources:   ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·      Start making memories. Get Telestrations at Walmart or wherever you buy board games. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Pre-order George’s new book, Breaking Free From Broke, today! ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Neptune’s Gardens Recipe by @speakeasieruk Ingredients: ·     1 1/2 ounces tequila ·     3/4 ounce lime juice ·     1/2 ounce elderflower liqueur ·     1/2 ounce blue curacao ·     1 egg white Instructions: Combine the ingredients in cocktail shaker and shake well. Strain it into a chilled glass and enjoy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a smart spender or a stingy cheapskate? Rachel’s mom, Sharon—the OG budgeting queen—joins the show to give her two cents (but not a penny more). Sharon helps George and Rachel give advice to listeners who are wondering if their “frugal” habits have gone too far. In this episode: ·      Dear Sharon: an exclusive advice column segment featuring everyone’s favorite Ramsey family member ·      The wildest things all three hosts (and others) have done to save a buck ·      How to know if you’re being ridiculous about budgeting or being wise with your money Helpful Resources:   ·       Start making memories. Go NOW and get Telestrations at Walmart! ·      Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·      Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Pre-order George’s new book, Breaking Free From Broke, today! ·      Learn more about your ad choices ·      Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Dirty Martini Ingredients: ·      2 1/2 ounces vodka ·      1/2 ounce dry vermouth ·      1/2 ounce olive brine ·      3 olives for garnish Instructions: Fill a shaker with ice, then add the vodka, vermouth and olive brine. Shake until well chilled (about 15–20 seconds). Using a fine mesh strainer, double strain the liquid into a chilled cocktail glass. Garnish with a skewer of olives Learn more about your ad choices. Visit megaphone.fm/adchoices

It just so happens that you can learn a lot about someone by looking at their Amazon purchase history. Who knew? In this episode, you’ll learn a lot about George and Rachel as they entertain you with a few gems from their own purchase histories (including their very first Amazon buys). Plus, they’ll weigh in with a few tips to shop smart online—during the upcoming holiday sales or any time. In this episode: ·      The Amazon purchases George and Rachel made because they were “influenced” ·      Rachel’s “add to cart” rule ·      George never spends money to do this one thing Helpful Resources:   ·     Pick up a copy of George’s new book , Breaking Free From Broke. ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·      Start making memories. Get Telestrations at Walmart. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Rosemary Pear Mocktail Recipe by Mash & Spread Ingredients (makes 1 cocktail): For the rosemary syrup: ·     1 cup sugar ·     1 cup water ·     2–3 sprigs fresh rosemary For the mocktail: ·     ice ·     4 tablespoons pear juice ·     1 tablespoon rosemary simple syrup ·     1 teaspoon lemon juice ·     6 tablespoons sparkling water ·     Sliced pear (for garnish) ·     2–3 sprigs thyme (for garnish)   Instructions: For the rosemary syrup: Combine sugar and water in a pot and cook over medium heat. Cook until sugar is completely melted/dissolved. Turn off heat and allow mix to cool with rosemary sprigs. Once cooled, remove the rosemary sprigs and set syrup aside. For the mocktail: Fill glass halfway with ice. Pour pear juice, rosemary simple syrup, lemon juice and sparkling water. Garnish with fresh pear slices or sprigs of thyme. Learn more about your ad choices. Visit megaphone.fm/adchoices

From pyramid schemes to phishing emails, marketing ploys are more sophisticated than ever. Listen in as George and Rachel discuss some of the oldest scams known to man, what they look and sound like today, and how to avoid the “snake oil’ salesmen of 2023 (lookin’ at you, TikTok influencers). In this episode: ·      Crazy “exclusive” deals that need more investigation before you buy ·      Why “too good to be true” really is (probably) too good to be true ·      The mocktail that tastes like “Christmas in a cup”   Helpful Resources:   ·     Start making memories. Go NOW and get Telestrations at Walmart or wherever you buy board games. ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·  Pre-order George's new book, Breaking Free From Broke, today! ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy   This Week’s Happy Hour Special: Apple Butter Mocktail Find the original recipe here. Ingredients: ·     1 ounce apple juice ·     2 tablespoons of apple butter ·     Dash of non-alcoholic orange bitters ·     Juice of 1/2 lemon ·     Ginger beer ·     Coarse cinnamon sugar and simple syrup, for rimming ·     Thinly sliced apples and a cinnamon stick, to garnish   Instructions: Pour some simple syrup on a plate and some coarse cinnamon sugar on another. Then, dip the rim of your cocktail glass into the syrup and then into the sugar, twisting to coat, before adding ice cubes to the glass. Combine the apple juice, apple butter, lemon juice and bitters in a cocktail shaker and give it a dry shake (in other words, a shake without ice). Shake vigorously until properly combined then strain the mixture into your prepared cocktail glass. Top up with ginger beer and garnish with a cinnamon stick and apple slice on the rim to serve. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do we have something to learn from the world’s richest people, or did they just get lucky? They may be good with money, but will their advice work for you too? Tune in to find out! Rachel and George are reacting to money quotes from some of the wealthiest people in the world, like Elon Musk, Jeff Bezos and Oprah (just to name a few). In this episode: ·      The ultimate (first-ever) game of Pin the Quote on the Billionaire ·      What we all have in common with Kim Kardashian ·      Billion-dollar advice you can take to the bank   Helpful Resources:   ·     Start making memories. Go NOW and get Telestrations at Walmart! ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·   Pre-order George's new book, Breaking Free From Broke, today! ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Brazilian Lemonade Ingredients: ·     1 1/2 limes ·     4 tablespoons granulated sugar ·     1/2 cup sweetened condensed milk ·     3 cups water ·     2 ounces rum   Servings: 3 to 4 Instructions: Wash the limes. Then, throw the water and the limes (rinds and all) into a blender. Blend until there are no chunks, then strain it through a fine mesh strainer. Return liquid to the blender and add the sugar, rum and sweetened condensed milk. Blend it again, then serve over ice. Garnish with a lime wheel and some mint. Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

The average American wedding runs about $30,000—which is making 73% of Millennials and Gen Zers reconsider whether they can afford one. Listen in as George and Rachel decide what they’d cut from a $30,000 wedding budget and weigh in on four more reasons people aren’t tying the knot (they’re not about the wedding, but they’re all about the money). In this episode: ·     How to choose your wedding budget must-haves ·     Rachel’s take on prenups and why you might not want one ·     Four financial reasons people aren’t getting married, and George and Rachel’s take on why money shouldn’t be the reason you don’t say “I do”   Helpful Resources:   ·     Start making memories. Go NOW and purchase Telestrations at Walmart! ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Preorder George’s new book, Breaking Free From Broke, today! ·     Watch George’s YouTube video How I Got a Free Wedding ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: El Torado Ingredients: ·      2 ounces reposado tequila ·      1/2 ounce dry vermouth ·      1 1/2 ounces unfiltered apple juice Instructions: Add tequila, vermouth and apple juice into a chilled cocktail shaker, then add ice. Shake it well, then strain into coupe cocktail glasses and serve. Learn more about your ad choices. Visit megaphone.fm/adchoices

George and Rachel are doing hot takes on pop culture, current events and money—yes, even more than usual. We’re talking about things like the housing market reality, how much an ’NSync reunion ticket is worth, and how to talk about money with your friends (without being awkward).      In this episode: ·     The cheapest moves Rachel and George have made lately ·     Why George thinks Airbnb investing is a risky business ·     The question on everyone’s mind: Is Buc-ee's worth the hype or overrated?   Helpful Resources:   ·     Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games. ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Preorder Rachel’s new children’s book, I’m Glad for What I Have. ·   Pre-order George's new book, Breaking Free From Broke, today! ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Pistachio Martini Ingredients: ·     1 ounce vanilla vodka ·     1 ounce whipped vodka ·     3/4 ounce Bailey’s Irish Cream ·     3/4 ounce amaretto ·     3 pistachios (for garnish)   Instructions: In a chilled cocktail shaker, combine the vanilla vodka, whipped vodka, Bailey’s Irish Cream and amaretto. Fill the shaker with ice, attach the lid, and shake it for 30 seconds. Strain the cocktail into a martini glass, top with three pistachios as a garnish, and serve. Learn more about your ad choices. Visit megaphone.fm/adchoices

The upper class is playing the victim—and we’re not buying it. Listen as Rachel and George channel their inner Kourtney Kardashian and give six-figure earners the sisterly wake-up call they need. Plus, how much margin does the average American have in their budget compared to someone with a $175,000 salary?   In This Episode: ·      The meaning of “poor” and why the wealthy feel this way ·      George’s history with nonslip pet ramps and Rachel’s iconic Kristen Wiig impression ·      The ultimate budget showdown: $59,000 vs. $175,000 (who runs out first?)   Helpful Resources:   ·      Booking a flight with Going is the best and simplest way to pay less to travel more. Sign up for free today at Going.com/smartmoney. ·      Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games! ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Citrus Smash Recipe from A Pinch of Adventure   Ingredients: ·      1 tbsp lemon curd ·      1 tbsp simple syrup ·      Club soda or seltzer ·      Fresh mint leaves ·      Sliced lemon ·      Ice   Instructions: Put about six mint leaves, four slices of deseeded lemon, simple syrup and lemon curd in a highball glass. Muddle together. Add ice and pour over club soda. Garnish with fresh mint and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Rat girl summer, lazy girl jobs, girl math and valley girls. Let’s just admit it: Girl trends make life a little more fun––for everyone! Join Rachel and George as they review the girlie Gen Z trends of the moment, talk about why they resonate (even for guys), and discuss how to enjoy the “girl math” bit without letting it ruin your finances.   In This Episode:   ·      George testing Rachel’s girl math on everything from vacation purchases to in-store returns ·      “Hygiene homies” and other manly trends George wants to start ·      Rachel explaining the healthy middle ground between a “lazy girl job” and “girl bossing”   Helpful Resources:   ·      Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games! ·      Booking a flight with Going is the best and simplest way to pay less to travel more. Sign up for free today at Going.com/smartmoney. ·      Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Learn more about your ad choices: https://www.megaphone.fm/adchoices ·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Mind Eraser ·      2 ounces coffee liqueur ·      2 ounces vodka ·      Club soda Instructions: Fill a glass with ice and add the coffee liqueur. Slowly pour the vodka on top of the liqueur (no stirring!), then top with club soda. Grab a straw and take a sip. Learn more about your ad choices. Visit megaphone.fm/adchoices

Some “toxic traits” are funny––like hanging up your clothes inside out or buying kale aspirationally. And then there’s the less funny kind. ☠️ ⚠️ Join Rachel and George as they attempt to find the line between a harmless quirk and a truly toxic money mindset. In This Episode:   ·      Rachel, George and a LIVE audience getting real about their own toxic money traits ·      A play-by-play of how to set boundaries when you know your friend’s toxic money trait is “splitting” a very one-sided bill ·      The celeb comedian who called George a “sad idiot child” on Twitter back in the day   Helpful Resources:   ·      Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games! ·      Booking a flight with Going is the best and simplest way to pay less to travel more. Sign up for free today at Going.com/smartmoney. ·      Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Learn more about your ad choices: https://www.megaphone.fm/adchoices ·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Black Tea Sour Ingredients: ·      2 ounces chilled black tea ·      3/4 ounce lemon juice ·      1/2 ounce maple syrup ·      Dash of black pepper ·      1 egg white ·      Maraschino cherries (to garnish) ·      Orange slice (to garnish) Instructions: In a cocktail shaker, combine all of the ingredients except ice and shake well. Add ice and shake again. Pour through a fine strainer into a chilled coupe glass. Learn more about your ad choices. Visit megaphone.fm/adchoices

We put so much emphasis on going to college, but the cost is rising and now students are wondering . . . is it worth the price? In this episode, George and Rachel share the most regretted college majors, what people are choosing to do instead, and the salaries for great-paying jobs that don’t require a degree. In this episode: - George’s and Rachel’s college majors (and what they paid for them) - Common degrees people admit regretting - How to avoid student loans and what to do if you already have them Helpful Resources: ·     Start making memories! Go NOW and get Tapple at Walmart or wherever you buy board games! ·      Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Cinderella Mocktail Ingredients: ·    2 tablespoons freshly squeezed orange juice ·    2 tablespoons freshly squeezed lemon juice ·    2 tablespoons pineapple juice ·    1/2 teaspoon grenadine ·    2­–3 dashes Angostura bitters ·    1/2 cup of ginger beer ·    Orange slice (to garnish) Instructions: Fill a shaker with ice, then add the orange juice, lemon juice, pineapple juice and grenadine. Shake. Pour the mixture into a tall glass with ice, then add the ginger beer and bitters. Garnish with an orange slice, sip, and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Cocktails, quizzes, condiments and more! Find out how well you’re doing financially (and what to do about it) by taking George and Rachel’s Buzzfeed-inspired quiz. And don’t worry, this isn’t one of those money quizzes that will put you in a dark place—we promise. In this episode: - George and Rachel sip this week’s cocktail with bravery and, once again, discuss George’s first CD. - Which condiment are you? (And other bizarre Buzzfeed quiz topics) - George and Rachel lead you through the Ramsey money quiz and tell you what to do next based on your score. Helpful Resources:    ·    Follow along with Rachel and George as they take Buzzfeed's Starbucks quiz: https://www.buzzfeed.com/angelicaamartinez/starbucks-budget-quiz-20 ·      Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games! ·      Booking a flight with Going is the best and simplest way to pay less to travel more. Sign up for free today at Going.com/smartmoney. ·      Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Learn more about your ad choices: https://www.megaphone.fm/adchoices ·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Crown Stag Cocktail Ingredients: 5/6 ounces Chambord raspberry liqueur 1 1/4 ounces Jägermeister 1 1/4 ounces vodka Instructions: Combine all ingredients in ice-filled glass, garnish with lemon, and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

News flash: Advertisers have mastered the art of making consumers think they’re in control. But who’s really calling the shots? In this episode, Rachel and George investigate what’s happening behind the brands and how it affects your bank account.   In this episode: - George and Rachel’s reaction to Chuck E. Cheese’s saucy secret - Why modern-day advertising is low-key mind control - The alleged BlackRock conspiracy they don’t want you to know about   Helpful Resources: ·     Start making memories! Go NOW and get Tapple at Wal-Mart or wherever you buy board games! https://theop.games/ ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...    This Week’s Happy Hour Special: Mexican Surfer   Ingredients: 2 ounces reposado tequila 1 1/2 ounces pineapple juice 1/2 ounce lime cordial (aka sweetened lime juice)   Instructions: Combine all your ingredients in a cocktail shaker with ice and shake. Strain the liquid into a chilled coupe glass. Add a lime slice for garnish and hang loose! Learn more about your ad choices. Visit megaphone.fm/adchoices

Scoring a great deal can save you big—but how do you negotiate the price down when it feels downright awkward? In this episode, George and Rachel talk about strategies to getting the best deal, then Rachel tries them out in their own mock-negotiation. In this episode: - George uncovers the depths of Rachel’s shame - George and Rachel share their negotiating dos and don’ts - Another great way to save money (that doesn’t require an awkward situation) Helpful Resources: ·     Start making memories! Go NOW and get Tapple at Wal-Mart or wherever you buy board games! · Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Tangerine Mojito Cocktail Recipe from La Croix Ingredients: 5 tablespoons Agave nectar 2-3 mint leaves 2 cups tangerine juice 1/4 cup lime juice 2-3 Tangerine slices 2 cans of Tangerine LaCroix Instructions: In a tall glass, muddle the mint and agave. Add the tangerine juice, lime juice, Lacroix, and tangerine slices. Stir and garnish with mint leaves. 🍊 Learn more about your ad choices. Visit megaphone.fm/adchoices

Money isn’t everything, but it’s something to consider when choosing your career path. In this episode, George and Rachel talk about the salaries (and cost of education) for some of the top jobs in America. They share what industries they would work in if they could do any job in the world, then talk about celebrity salaries and the amazing thing Taylor Swift did for her truck drivers.  In this episode: The salaries people make in America’s most popular jobs What George would do if he worked for big brands Which career Rachel thinks should make more money Helpful Resources: ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·   Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games! ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Strawberry Basil Mocktail Ingredients: 1 1/2 cups fresh strawberries 4–5 fresh basil leaves 12 ounces seltzer 1 lime (half juiced, half sliced) Instructions: Roughly chop the strawberries and cut the lime in half. Muddle the strawberries, basil and the juice from half the lime. Fill two tall glasses with crushed ice and divide the berry mixture between them. Top with seltzer and garnish with a slice of lime and fresh basil. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are we headed toward a cashless society where debit cards are for old people? We don’t know what the future holds, but George and Rachel take a guess and tell you why you don’t need to worry about the future of money. Plus, we’ll dive into which past future predictions were totally ludicrous and which ones were spot on. In this episode: - George and Rachel talking about the future cost of weddings, homes and your favorite lattes (and how we’ll pay for them) - The reason George could never get away with committing a crime - What futuristic ’90s movies predicted the world would look like today Helpful Resources: ·      Start making memories! Go get Tapple at Walmart or wherever you buy board games. ·      Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Vieux Carré Ingredients: ·     3/4 ounce rye whiskey ·     3/4 ounce cognac ·     3/4 ounce sweet vermouth ·     1 to 2 dashes Angostura bitters ·     1 to 2 dashes Peychaud’s bitters ·     1/2 ounce Bénédictine liqueur ·     Cherry (for garnish) Instructions: Add the rye whiskey, cognac, sweet vermouth, bitters and Bénédictine liqueur to a mixing glass with ice. Stir, then strain into an old fashioned glass over fresh ice. Garnish with a cherry and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

George and Rachel answer your burning question: “Am I the jerk?” These 100% real scenarios include secret credit cards, trips overseas, a husband with a “you break it, you buy it” attitude, and so much more. George and Rachel decide whose spicy spending secrets make them guilty, including: ·     A husband who has his wife’s paycheck deposited into his account ·     A wife who secretly paid off her car ·     A couple doing the ol’ takesies backsies on a money deal they made with family Helpful Resources: ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Watermelon Mojito Mocktail Ingredients: ·     3 cups chopped watermelon ·     Juice of 2 limes ·     1 1/4 teaspoons sugar ·     4 fresh mint leaves ·     Ginger ale ·     Club soda Instructions: In a glass, muddle two mint leaves with 1/4 teaspoon of sugar, then set that to the side. In a blender, add the watermelon, lime juice and a teaspoon of sugar and blend until smooth. Once it’s well blended, strain out all the watermelon pulp and fill your prepared glass about half full with the watermelon puree. Add ice and a splash of ginger ale, then fill the rest of the glass with club soda. Stir, then garnish with mint sprig and a slice of watermelon if desired. 🍉 Learn more about your ad choices. Visit megaphone.fm/adchoices

From the inheritance scandals to the Antiques Roadshow to pension stealing, Rachel and George uncover wild stories of people who became overnight millionaires. Plus, they’ll walk you through what it really takes to hit your first million. In this episode: ·     The craziest get-rich-quick stories George and Rachel could find ·     Why 70% of lottery winners end up broke ·     How you can become a millionaire—even if it doesn’t happen overnight   Helpful Resources:   ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Strawberry Mint Summer Sparkler Recipe by Elliot Clark, @apartment_bartender   Ingredients: ·     2 ounces gin ·     1/2 ounce ginger liqueur ·     1/2 ounce strawberry syrup ·     1 ounce lemon juice ·     2–3 dashes aromatic bitters ·     soda water ·     5–6 mint leaves   Instructions: Combine all ingredients except for the soda water and mint in a cocktail shaker. Add ice and shake to chill the drink. Strain into a cocktail glass over crushed ice, and top with soda to taste. Add more crushed ice, and garnish with a sprig of mint.   Learn more about your ad choices. Visit megaphone.fm/adchoices

If you learned to navigate adulthood in a plastic car with pink and blue peg people, this episode is for you. Rachel and George reminisce about the 90s toys and games that taught us how to handle our money. In this episode: ·     Rachel reveals which Barbie she wasn’t allowed to play with ·     What a “kidult” is and why toy execs love them ·     What Monopoly and the Game of Life got right (and wrong) about money   Helpful Resources: ·     Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/SMHHgvwy ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: The Barbiecore Pink Drink Ingredients: ·     1 ounce whipped cream vodka ·     2 ounces Sprite ·     1 ounce dragon fruit juice ·     A dash (or more) of edible glitter Instructions: In a champagne glass, add the whipped cream vodka and Sprite. Pour in the dragon fruit juice until your glass is 3/4 full. Sprinkle a little glitter on top for maximum sparkle! 💖 Learn more about your ad choices. Visit megaphone.fm/adchoices

We love to throw a flag on romantic relationships—whether it’s red, green or now . . . beige? Find out how George and Rachel react to Gen Z’s relationship flags, and discover which ones you’re guilty of flying. In this episode: Candid reactions to Gen Z relationship etiquette  George and Rachel’s personal beige flags Why George dubs Rachel as “America’s Favorite” Helpful Resources: ·     Booking a flight at Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Orange Cream Soda Mocktail Ingredients: 1/2 cup orange juice 1/3 cup lemon-lime soda Whipped cream Orange slices (to garnish) Instructions: Fill a glass with ice cubes. Add a generous amount of whipped cream on top of the ice. Pour in the orange juice and gently stir. Then pour in the lemon-lime soda until the glass is full. Top with more whipped cream and garnish with an orange slice. 🍊 Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s all about conspiracies today, people. Rachel and George are discussing delusion, paranoia, and the dark side of the Denver airport. Is there life on other planets? Was JFK really assassinated? We can’t say for sure, but whistle-blowers don’t lie . . . or do they? In this episode: ·     Rachel’s and George’s hot takes on conspiracy theories ·     The one conspiracy George admits he does believe in ·     Popular money conspiracies debunked Helpful Resources: ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Lemon Pomegranate Mocktail Ingredients: 2 ounces pomegranate juice 1 ounce lemon zest simple syrup 6 ounces seltzer Fresh mint sprig (for garnish)   Lemon Zest Simple Syrup: Zest of 1 lemon 1/4 cup water 1/8 cup sugar   Instructions for Lemon Zest Simple Syrup: Simmer 1/4 cup of water over medium heat on the stove. Stir in lemon zest and sugar until sugar is dissolved. (If you want to speed up the process, you can microwave ingredients for about a minute instead). Strain the simple syrup into a small bowl. Instructions for Mocktail: Fill a cocktail glass with ice. Add the pomegranate juice, simple syrup and seltzer. Garnish with a sprig of fresh mint and enjoy. Learn more about your ad choices. Visit megaphone.fm/adchoices

The longevity industry is booming, and the people want to know: Can a cold cream really take 10 years off your face? What are George and Rachel’s skincare routines? Is vampirism the antiaging of the future? Have we gone too far? We’re talking about all of this and more on this week’s episode of Smart Money Happy Hour. In this episode: ·     George and Rachel chatting about the high cost of staying young (and whether it’s really worth it) ·     The reason George doesn’t wash his face ·     What you should remember when buying antiaging products Helpful Resources: ·     Booking a flight at Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Vesper Ingredients: ·     3 ounces gin ·     1 ounce vodka ·     1/2 ounce Lillet Blanc (or dry vermouth) ·     Lemon peel (for garnish) Instructions: Fill a cocktail shaker with ice. Pour in the gin, vodka and Lillet Blanc, then shake until chilled. Strain the drink into a chilled martini glass. Top with a twisted lemon peel and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

What do the highest paid celebrities, the International Space Station, and the George Foreman grill have in common? They all earned pop culture money superlatives from George and Rachel in this week’s special edition. In this episode: ·     Rachel and George’s high school superlatives revealed ·     On-point assessments of our most beloved products, entertainment and celebrities ·     The shocking credit limits consumers can get, plus a breakdown of consumer debt Helpful Resources: ·     Booking a flight at Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney. ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: Sloe Gin Fizz Ingredients: 1 1/2 ounces sloe gin 1/2 ounce lemon juice 1/2 tablespoon powdered sugar 4 ounces champagne Instructions: Fill a cocktail shaker halfway with ice. Add the sloe gin, lemon juice and powdered sugar, then shake vigorously until chilled. Strain the cocktail into a glass, add ice if desired, and top with champagne. Cheers! Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people think the hard part about getting rich is figuring out how to make a ton of money—but the real challenge might be learning to manage your money well. Today, George and Rachel react to the ways celebrities spent their first paychecks and ponder whether money makes us who we are or if it simply reveals what’s already there. In this episode: ·     Rachel’s crappy first paycheck and how George scored $12 an hour as a 14-year-old ·     The emotional roller coaster of the average American’s payday weekend—and a better way to payday ·     George and Rachel try to figure out how one celeb dropped $15K at The Cheesecake Factory   Helpful Resources: ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices: https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: The Mint Julep Ingredients: ·     2 ounces bourbon ·     1/4 ounce simple syrup ·     8 mint leaves ·     Garnish: mint sprig ·     Garnish: Angostura bitters (optional) Instructions: In a copper mug (or a Julep cup), gently muddle the mint leaves in the simple syrup. Pour in the bourbon, then fill the glass with crushed ice. Stir until your mug gets a little frosty. Garnish with a mint sprig and a few drops of bitters and you’ll be off to the races. Learn more about your ad choices. Visit megaphone.fm/adchoices

Oxygen bars, PH balanced water . . . Are they scams, or are they for real? Food delivery every night? Are these ridiculous things to spend money on? Let George and Rachel be the judges. In this episode: ·      The bougie things Rachel and George (over)pay for ·      How to know if you’re splurging for the right reasons ·      What Rachel spent money on that made Dave threaten to pull her college tuition   Helpful Resources:   ·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. ·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/compa...   This Week’s Happy Hour Special: The Bees Knees Ingredients: ·     3 teaspoons honey syrup ·     2 teaspoons orange juice ·     2 ounces dry gin ·     Juice from 1/2 a lemon (about 1 1/2 tablespoons) ·     Lemon twist (for garnish) Instructions: Fill a cocktail shaker with ice. Pour in the honey syrup, orange juice, lemon juice and gin. Fasten the lid and shake until it’s nice and cold. Pour the mixture into a glass, finish it with a fruit carving—err, twist of lemon—and enjoy!  Learn more about your ad choices. Visit megaphone.fm/adchoices

You can’t be everyone’s cup of tea, but you can always show up with a good cocktail! Rachel and George are responding to the loudest, most common criticisms they receive. Haters gonna hate—but we’re okay with that.   In This Episode: ·      Rachel shocks modern women everywhere with her joint bank account stance. ·      George defends his frugal eating in vs. eating out strategy. ·      Rachel and George read “mean tweets” about themselves (Jimmy Kimmel style). Helpful Resources:    ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: The Roy Rogers   Ingredients: ·      6 ounces cola ·      1 tablespoon grenadine syrup ·      Maraschino cherry (for garnish)   Instructions: Pour grenadine into tall glass filled with ice. Top with cola. Garnish with a maraschino cherry and enjoy! 🍒 Learn more about your ad choices. Visit megaphone.fm/adchoices

Not sure how to afford your pre-RIP dreams? Rachel and George are here to help! Plus, they’ll reveal America’s most popular bucket list items, react to the internet’s weirdest life goals, and share a few things from their own personal bucket lists!   In This Episode: ·      Rachel teaching George the bucket list writer’s anthem (Hint: 🪂🏔️🐂) ·      What’s actually motivating America to think about living life to the fullest ·      The unexpected experience that showed up on both George and Rachel’s bucket lists Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   ·      Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Negroni 1 ounce dry gin 1 ounce Campari 1 ounce sweet vermouth Orange peel   In a mixing glass filled with ice, combine the gin, vermouth and Campari. Stir for 30 seconds (or until cold). Strain mixture into an ice-filled rocks glass. Twist the orange peel over your glass to create an herbal, aromatic drinking experience. Use the orange twist as garnish—enjoy!  Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel Cruze, Rachel Green, George Kamel and George Costanza—the gang’s all here! We’re covering the unrealistic paychecks of everybody’s favorite TV show characters. How did NYC’s unemployed population hold down high-dollar real estate, and where did they find such generous friends? We need answers! In This Episode: ·      Danny Tanner’s excellent taste in historical real estate on a sportscaster salary ·      What is rent control, and why did it have a choke hold on every ’90s sitcom? ·      The concept of Seinfeld finally clicks for Rachel live on the air, and George gets mildly harassed Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. ·      Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: The Sundowner Mocktail Ingredients: 1/2 cup white grape juice 1/3 cup sparkling water 1 mint sprig (for garnish) Instructions: In a chilled wine glass filled with ice, add white grape juice and sparkling water. Stir, garnish with mint, and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Who’s feeling middle class fancy? Join Rachel and George as they celebrate “the backbone of America” and try to figure out if the rumors are true . . . Is the middle class really disappearing? In This Episode:   ·      The restaurant that screams “middle class” according to George ·      How your income bracket does (and doesn’t) impact the quality of your life ·      Costco hot tubs, fondue fountains and more @MiddleClassFancy gold   Helpful Resources:  ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/SMHHgvwy ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     ·    Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: The Waldorf ·      1/2 ounce absinthe ·      2 ounces rye whiskey ·      3/4 ounce sweet vermouth ·      3 dashes Angostura bitters Grab your favorite cocktail glass. Pour in the absinthe. Give the glass a swirl until the inside is fully coated––then dump out any excess liquid. (Congrats! You just performed an absinthe wash.) In a separate glass, combine the whiskey, vermouth and Angostura bitters over ice. Stir until chilled. Strain the mixture into your absinthe-washed glass and get to feeling fancy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Not all that glitters is gold. Rachel and George are here to crunch the numbers, debate the pros and cons, and decide once and for all if all-inclusive vacations are worth your money. Which costs more: a trip to 30A or a week at a resort? Why does late-night crème brûlée from room service hit different? And is it all too good to be true?   In This Episode:   ·      The current state (and fascinating history) of all-inclusive vacations ·      George’s love of fire dancing and Rachel’s aversion to mass-produced vacation food ·      Cost comparisons, nonrefundable contracts and Costco Travel tips   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/SMHHgvwy ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     ·       Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Sidecar   Ingredients: ·      1 1/2 ounces cognac ·      3/4 ounce Cointreau ·      3/4 ounce lemon juice ·      Sugar (for garnish) Instructions: Coat the rim of a chilled cocktail glass with sugar and set it aside. Add cognac, Cointreau, lemon juice and ice to a cocktail shaker. Shake until mixed and chilled. Strain the liquid into your prepared glass and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Epic Starbucks orders, lab-grown energy drinks, your hipster friend’s pour-over coffee phase . . . It’s no secret that America loves a good caffeine rush! In this episode, Rachel and George weigh the pros and cons of everybody’s favorite stimulant––and do the math on what caffeine addiction really costs.   In This Episode:   ·     The number one way to drink coffee according to Rachel and George ☕️ ·     The real reason Target has Starbucks in their stores ·     Coffee alternatives that feel like they’re stalking you on Instagram Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Enter the Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/SMHHgvwy ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: The Lazarus  ·     1 ounce vodka  ·     1/2 ounce cognac ·     1 ounce coffee liqueur ·     1 ounce espresso coffee (hot) Add all ingredients to a shaker with ice. Give it a good rattle. Strain into your favorite drinking glass and sip until you feel the espresso bring you back to life! ⚡️ Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Blockbuster about to pull an Abercrombie? Rachel and George discuss the rise and fall of iconic ’90s businesses. Which ones are headed for a comeback, which ones are gone but not forgotten, and how does nostalgic marketing affect your spending today?   In This Episode:   ·      Are Beanie Babies and other throwback keepsakes a smart investment? ·      Has technology ruined our generation and our favorite brands? ·      Rachel performing a memorable answering machine rap from her childhood   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Enter the Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/SMHHgvwy ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.      ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Bottoms Up Ingredients: ·      1 1/3 ounces cognac ·      2/3 ounce Cointreau ·      1/6 ounce grenadine ·      1/6 ounce heavy cream ·      1 egg yolk   Instructions: Pour all ingredients over ice in a cocktail shaker. Give it a good shake, then strain the liquid into a cold glass and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Featuring the very first LIVE audience in the new Ramsey Event Center, Rachel and George tackle a conversation about gender and money from the Smart Conference stage. Is saving and spending always a battle of the sexes? And what’s the biggest threat to getting out of debt: his truck or her Target runs? Listen now and join the party!   In This Episode: ·      Our audience helping us predict money tendencies for men and women ·      How your upbringing affects your saving and spending habits ·      Why Rachel defends the male obsession with grills and George supports brunch culture   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Breakfast in Manhattan Ingredients: ·      2 ounces bourbon ·      1/2 ounce sweet vermouth ·      Dash of Angostura bitters ·      1 tablespoon orange marmalade   Instructions: Pour marmalade and bourbon into a cocktail shaker and stir together. Add in vermouth, bitters and ice, then stir. Strain into a chilled glass and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Does saying yes to babies mean saying no to wealth and retirement? Rachel and George talk about the major money fears stopping Millennials and Gen Zers from starting a family––including the estimated $310,605 price tag per child. 👶💰   In This Episode:   ·     Smart Money Happy Hour’s new favorite girl dad ·     How less babies running around eventually means higher taxes for all of us ·     The bizarre pet George co-owned with an ex-girlfriend   Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to everydollar.com/smart to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    The Mom-to-Be Margarita Mocktail ·     1 ounce fresh lime juice ·     1/2 ounce fresh lemon juice ·     1/4 teaspoon maple syrup ·     1/8 teaspoon pickle juice ·     3 ounces tonic water ·     Rock salt (optional) ·     Lime wedge (optional) Want a classic salty margarita rim? Start with a wedge of fresh lime. Swipe it along the rim of your glass. Turn the glass upside down and dip the rim into a plate of rock salt. Now, we drink! Grab your salted (or unsalted) glass. Add the lime juice, lemon juice, maple syrup and pickle juice. Give it a good stir. Add ice and top with tonic water. Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether you love MLMs or just love to hate ’em, none of us are immune to getting a “Hey, hun!” in our DMs. But have all the boss babes really been conned? Join Rachel and George as they take a closer look to find out if MLMs are an entrepreneur’s paradise . . . or just another scam.   In This Episode:   ·     The fine line between a pyramid scheme and an MLM ·     George’s and Rachel’s personal experiences with MLM products ·     Solved: the mystery of the free luxury car   Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to everydollar.com/smart to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:  The Aviation ·     2 ounces gin ·     1/4 ounce Luxardo maraschino liqueur ·     1/4 ounce ​crème de violette liqueur ·     1/2 ounce freshly squeezed lemon juice   Grab your trusty cocktail shaker and fill it with ice. Add gin, maraschino liqueur, crème de violette and lemon juice to the shaker. Shake that thing and strain into a glass. For an elevated experience, garnish with a lemon twist! 🛫 Learn more about your ad choices. Visit megaphone.fm/adchoices

Cheers, old sport! The TikTok teens have spoken, and we’re here to ask the hard-hitting questions on the latest viral hashtag. What is “old-money aesthetic,” and how does it relate to your money? What does it really take to build generational wealth? And if you were a RollerCoaster Tycoon kid, are you an old-money adult now? We tackle it all.   In This Episode:   ·      George advocating for the coastal grandfather movement ·      Marie Osmond, Bill Gates and thoughts on big inheritances ·      The Kennedys, the Vanderbilts and other old-money history   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.      ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Lemon Drop   Ingredients: ·      2 ounces vodka ·      1/2 ounce Cointreau ·      1 ounce fresh lemon juice ·      1 ounce simple syrup ·      Sugar   Instructions: Apply a light layer of lemon juice to the rim of a cocktail glass. Dip the coated rim into sugar, then set the glass aside. Combine vodka, Cointreau, lemon juice, simply syrup and ice in a cocktail shaker and shake until chilled. Strain the liquid into the prepared cocktail glass and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Smart Money DUUUPE. Just kidding—it’s still the real us. And we’re going to talk about everything from cheap versions of viral high-end products to internet shopping scams and fake cash. Plus, we’ll discuss which name-brand products on your wish list are most likely to be counterfeit.   In This Episode:   ·      Construction workers: Are they the underappreciated fashion icons of our time? ·      Fake Taylor Swift tickets, jury duty scams, and Winston’s Craigslist trauma ·      Our listeners’ worst scam stories   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.       Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Classic Texas Ranch Water   Ingredients: ·      3 ounces (or 2 shots) tequila ·      2 limes ·      1 bottle Topo Chico Instructions: Juice one whole lime and slice the other lime for garnish. Fill a highball glass with ice, then add the lime juice and two shots of tequila. Top off the glass with chilled Topo Chico. Garnish with a lime slice and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s about to get awkward! 😬 Whether you think it’s time to confront your aging parents about their iffy money habits or you’re fighting the good fight against splitting the check evenly at dinner, Rachel and George are here to offer their advice for getting through life’s most cringeworthy money convos.     In This Episode:   ·     George admits to charging this close family member rent  ·     How to handle people who assume they’re getting the friends and family discount ·     How to get out of a group gift situation that you didn’t sign up for   Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to everydollar.com/smart to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    The Tom Hanks (aka Diet Cokagne) ·     1 can (12 ounces) Diet Coke ·     Champagne Add ice to your favorite highball glass. Pour in about one third of the Diet Coke. Top with the champagne of your choice until the glass is full. Now be brave and take a sip! Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s genius––and then there’s evil genius. Rachel and George go head-to-head on some of today’s ethically questionable penny-pinching hacks to help us all find the line between smart spending and just acting shady. 🧐   In This Episode:   ·     The streaming platform that George and Rachel temporarily shared a password for ·     How techies tap Google Voice for extra cyber security . . . and shopping discounts 🛍 ·     The money-saving dating game everybody has an opinion about Helpful Resources:    ·     Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to everydollar.com/smart to get started today! ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Blackberry Mojito Mocktail ·     2/3 cup blackberries ·     1 tablespoon fresh lime juice ·     1 cup berry flavored sparkling water ·     Fresh mint ·     Lime slices Muddle blackberries and mint in the bottom of your cocktail glass and add lime juice. Fill the glass with ice, then pour the berry flavored sparkling water over the top. Garnish with lime slices or extra mint. Sip and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ve heard of pin the tail on the donkey, but are you familiar with pin the dollar on the bride? Join Rachel and George on a journey to learn about money traditions around the world––from the West African sou-sou to an unexpected German spending obsession that not even the pandemic could shake!   In This Episode: ·      Communal savings, questionable British accents, and “the dollar dance” ·      The global money custom that George’s ancestors may have invented ·      The OG GoFundMe and other heartwarming ways different cultures give back   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·      Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.       Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Sazerac   Ingredients: ·      1/2 ounce absinthe ·      1 sugar cube ·      1 1/2 ounces rye whiskey ·      1/2 ounce Peychaud’s bitters ·      1/2 ounce Angostura bitters ·      1 1/2 ounces cognac ·      1 lemon peel   Pour a small amount of absinthe in a chilled glass, swirl it around to coat the glass, discard the remaining liquid, then set aside the glass. In a cocktail mixer, muddle the sugar cube with Peychaud’s and Angostura bitters. Add rye and cognac to the cocktail mixer with ice and shake until chilled. Strain into the prepared glass, twist the lemon peel over drink’s surface to release the oils, garnish with the lemon peel and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Biden’s not feeling the junk fees and neither are we! Turns out Americans are being nickeled and dimed to the tune of $24 billion a year, which begs the question­­––what are we going to do about all the junk fees?   In This Episode:   ·     Why companies have you paying junk fees instead of raising their prices ·     The quaint way Rachel used to pay for her fav fashions at Hollister ·     A creepy $5 Airbnb fee you should look for before you book your next getaway 👻 Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Painkiller 🏝🍹 2 ounces rum 1 ounce cream of coconut 1 ounce orange juice 4 ounces pineapple juice   You know the drill, people! Fill a cocktail shaker with ice. Add all the ingredients. Wave the shaker in the air like you just don’t care and strain into a highball glass. Sip out of a bendy straw. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re covering the ins and outs of social media influencing—is it a realistic side hustle? Listen to hear Rachel and George cover popular internet lingo and find out how likely you are to make it as a successful influencer.   In This Episode:   ·      ShamWow, OxiClean and other founding fathers of modern influencer culture ·      The multiple “tiers” of influencing and how much money each one makes on average ·      A few of Rachel’s favorite follows, including Babs and bougie Utah moms   Helpful Resources:   ·    Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·      Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.       Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Classic Cosmo   Ingredients: ·      2 ounces vodka ·      1/2 ounce Cointreau orange liqueur ·      3/4 ounce cranberry juice ·      1/2 ounce lime juice ·      Lime to garnish   Pour vodka, liqueur and juice over ice in a cocktail mixer. Shake to chill, then strain liquid into a stemmed glass. Garnish with fresh lime and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Technology, personal finance, jury duty—Rachel and George cover some hard-hitting topics as they answer the internet’s most popular “How to get out of . . .” questions (and also share a few thoughts on the Wendy’s franchise). You don’t want to miss this one!   In This Episode:   ·      George discusses fanny packs and his time in the Arabic Baptist Church. ·      You’ll hear top Google searches and some financial limericks written by ChatGPT. ·      Rachel compares her husband, Winston, to a mysterious 90s sitcom character.   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·      Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: The Hurricane   Ingredients: ·      1 ounce light rum ·      1 1/2 ounces dark rum ·      3 ounces passion fruit juice ·      3 ounces orange juice ·      1 tablespoon grenadine ·      Orange slice and maraschino cherry to garnish   Add rums, juices and grenadine to a shaker filled with ice. Shake to combine, then pour into an ice-filled glass. Garnish with an orange slice and a maraschino cherry for extra color and enjoy!   Learn more about your ad choices. Visit megaphone.fm/adchoices

Goooo sports! It’s almost time for the big matchup between the Eagles and the Chiefs––or as George likes to think of it: cheesesteaks vs. BBQ. Whether you’re a football fan or a Rihanna stan, we’re breaking down how this all-American tradition is bound to give you (and maybe your budget) some sticker shock.   In This Episode:   ·     The minimum amount you need for a solo trip to the big game IRL 🤑 ·     Rachel and George brainstorm some ballin’ nonmonetary bets (#savethebudget) ·     Three money-saving tips you need if you got volunteered to host the party on Sunday  Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Mango Michelada ·     1 bottle Corona Light beer ·     1/2 fresh lime, juiced ·     3/4 cup mango juice ·     1 tablespoon ancho chili powder ·     Hot sauce (optional)   Pour ancho chili powder on a small plate. Rub a lime wedge around the rim of your favorite glass, then press the rim into the chili powder until the rim is fully coated. Partially fill the glass with ice. Add lime juice, mango juice and a few drops of hot sauce if desired. Stir to combine, then top with Corona beer. (Have beer left over? Serve it on the side!) Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel and George are here to unpack Prince Harry’s tell-all memoir, Spare. Find out if Meghan is really to blame for all the drama, whether or not Harry is a fan of The Crown, and what multimillion-dollar celebrity book deals have to do with you.   In This Episode:                                                        ·      Spare or Snare—Rachel quizzes George on Prince Harry trivia ·      The magic dollar amount Rachel and George would charge to spill their tea ·      How to avoid major regret when making money decisions involving family   Helpful Resources:    ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·      Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   ·      Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special:  Paloma Hermosa   1 egg white 1 1/2 ounces white tequila 1/2 ounce St-Germain elderflower liqueur 1/2 ounce grapefruit juice 1/2 ounce agave nectar 1 lime wedge   In a cocktail shaker filled with ice, add the egg white. Give it a good shake until the egg white turns into froth, then add in tequila, St-Germain elderflower liqueur, grapefruit juice and agave nectar. Pour the cocktail into chilled glass with ice, garnish with fresh lime, and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Some things––and people––are just better together! (Tomdaya, anyone? 😍) Rachel and George ask what defines a power couple and why unity is such a key ingredient in building wealth.   In This Episode:   ·     An Urban Dictionary definition that actually feels spot on 🎯 ·     What a sourdough starter and a Tamagotchi have in common ·     The rise of the “dinkwad”—and no, that’s not an insult 👰‍♀️🐶🤵‍♂️ Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Cherry Limeade Mocktail 🍒 6 ounces Sparkling Ice® (black cherry) 1 ounce lime juice Sonic-style ice   Swing by Sonic and get a 10-pound bag of fancy ice for $3.50. When you get home, fill a highball glass with your newly acquired ice. Pour in black cherry Sparkling Ice®. Top with lime juice and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

A red and blue debate in this episode? No thanks. Pink? Absolutely! 💕 Rachel Cruze and George Kamel discuss the pink tax and investigate other gender-related price differences in everyday products.   In This Episode:   ·      Why women are spending $40K more than men by age 30 ·      Male versus female price comparisons (including haircuts, deodorant, razors and more!) ·      Rachel and George propose new taxes they think would be fairer than the pink tax   Helpful Resources:   ·      Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   ·      Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special:    The Pink Señorita Margarita 4 ounces tequila 4 ounces grapefruit juice 1 ounce simple syrup Splash of cranberry juice Fresh mint for garnish   Pour your go-to tequila, grapefruit juice and simple syrup into a cocktail shaker with ice. Give it a good shake, then strain it over ice in a rocks glass. Add a splash of cranberry juice until it’s your preferred shade of pink. Garnish with fresh mint and enjoy! 🍹 Learn more about your ad choices. Visit megaphone.fm/adchoices

Last year’s iconic pop culture moments don’t just jiggle, jiggle––they fold! From Harry Styles’ world tour to Inventing Anna to the Depp-Heard trial, Rachel and George break down the money moves behind 2022’s major trends and memories.    In This Episode:   ·     The forbidden show George had to sneak-watch at Grandma’s house ·     Rachel and George name the official song of Smart Money Happy Hour karaoke ·     The $13 BILLION loan that rocked the internet Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:  The OG Daiquiri 2 ounces light rum 1/2 ounce Demerara sugar syrup 1 ounce lime juice   Fill your favorite cocktail shaker with ice. Add rum, Demerara syrup and lime juice. Shake with gusto, then strain into a vintage glass and enjoy the classic Cuban vibes. 🏝🇨🇺 Learn more about your ad choices. Visit megaphone.fm/adchoices

Maybe you can slap a price tag on happiness! 🤑 Rachel and George crunch the numbers on actual budgets from people making the “ideal” salary according to science to see if we are miserable because of our mindset or our money.   In This Episode:   ·     The six-figure salary number research says we need for peak happiness   ·     Pearl snap shirts, chunky statement necklaces and other 2010s fashion confessions from Rachel and George  ·     The real reason George bought a king-size bed Helpful Resources:    ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·    Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Classic Jack and Coke  ·     2 ounces Jack Daniels ·     4 ounces Coca-Cola   Pour Jack Daniels over ice in your favorite glass. Top with Coca-Cola. Now relax and take a load off–we know that was a strenuous one to make. 😉 Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Ticketmaster the reason for the teardrops on your guitar? Rachel Cruze and George Kamel reveal why concert tickets are so expensive and how you can see your favorite artists without busting your budget.   In This Episode:   ·     Rachel reveals what she would pay to see ’N Sync ·     How JOMO can help you save money ·     Why George is afraid of being canceled by the air fryer community   Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Boulevardier ·     1 1/4 ounce bourbon (or rye) ·     1 ounce Campari ·     1 ounce sweet vermouth ·     Dash of bitters ·     Orange twist (for garnish)   Pour bourbon, Campari, sweet vermouth and bitters into a mixing glass and add ice. Stir until chilled. Strain into rocks glass over fresh ice. If you’re feeling fancy, garnish with an orange twist. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are Mariah Carey’s “All I Want for Christmas Is You” royalties enough to crown her Little Miss Queen of Christmas? Rachel and George check out the competition and decide for themselves who the real winner is. 👸🎄💰 In This Episode:   ·     A candid comparison of the iconic divas out here making major Christmas cash ·     The Dolly Parton merch that left Rachel and George speechless ·     The unlikely starlet that made Rachel’s prayer list Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Peppermint Martini 🍸   1 ounce peppermint schnapps 1/2 ounce vodka 1 1/2 ounces crème de cacao 1 1/2 ounces heavy cream Peppermint candies (optional)   Want the freshest happy hour breath of your life? Rim your glass with peppermint! 👉 Finely crush a handful of peppermint candies and spread evenly on a plate. Wet the rim of a martini glass with water. Set the glass top-down on the crushed candy and rotate until fully coated.   Now for the drink! Add peppermint schnapps, vodka, crème de cacao and heavy cream to a cocktail shaker with ice. Shake until frosty. Strain into your candy-rimmed glass and go find some mistletoe. 😉 Learn more about your ad choices. Visit megaphone.fm/adchoices

Can you hear the wedding bells? Whether you’re getting married, in a bridal party, or still wondering why you didn’t get a plus one 🤔, Rachel Cruze and George Kamel talk all things weddings and how to celebrate big without going broke.    In This Episode:   ·     A hard-hitting testimony from a bachelorette partygoer on required dress code  ·     Why prematrimonial expenses cost more than a high-end jet ski ·     How George won an all-expenses-paid wedding (and which animal named Cowboy made a guest appearance)   Helpful Resources:  ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:  Trader Joe's Blanc de Blancs Brut– $6.99/bottle Rachel’s tips for popping champagne:  1.    Wipe down the bottle with a towel (it gets slippery when you chill it). 2.    Loosen the wire cage and foil wrapped around the bottle neck and over the cork.  3.    Tilt the bottle at a 45-degree angle so the cork won’t hit you in the face when it pops. 4.    Using your other hand, grip the cork with your palm, wrap your fingers around the neck of the bottle, and twist the bottle (not the cork). Keep on twisting until you hear that fssszz. Then remove the cage and cork and pour that bubbly! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christmas movies are gifts that keep on . . . giving us money lessons? 🤔🎄💰 Rachel and George break down the hidden financial wisdom in all your favorites, from It’s a Wonderful Life to Reese Witherspoon and Vince Vaughn’s Four Christmases.   In This Episode:   ·     Rachel’s best Mr. Narwhal impression (“Byyyye, Buddy . . .” 👋🏼) ·     The Christmas classic George completely missed out on as a child ·     The wild celeb generosity stories getting us in a giving mood Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:  Vanilla Chai White Russian (From Half-Baked Harvest) ·     2 ounces vodka ·     1 1/2 ounces Kahlua ·     2 ounces vanilla chai syrup (see recipe below) ·     1–2 ounces heavy cream ·     1 cinnamon stick (for garnish)   Fill a glass with ice. Add vodka, Kahlua and vanilla chai syrup. Give it a gentle stir. Add the heavy cream. Give it one more gentle stir. Garnish with a cinnamon stick and enjoy your cup of Christmas cheer!   Vanilla Chai Syrup ·     4 chai tea bags ·     1/3 cup honey ·     1 teaspoon vanilla extract ·     1 cup water   Bring water to a boil. Remove from heat, add tea bags, and let steep for 10 minutes. Pull those tea bags out and pour in the honey. Bring the new honey-tea mixture to a boil on high heat for 3–5 minutes. Remove from heat, stir in vanilla and let it cool.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether you know what the “clementine controversy” is or not, there are still plenty of money lessons to learn from Netflix’s reality megahit Love Is Blind! 😍 Listen in as Rachel and George serve up a candid play-by-play of the show’s best money moments.    In This Episode:   ·     Love Is Blind’s most outrageous money confessions and conversations ·     The number one Love Is Blind cast member Rachel is dying to invite to happy hour ·     The only reason Rachel and George would ever recommend a prenup Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    A Classic Glass of Red Wine 🍷  ·     5 ounces Epicuro Aglianico (Italian Red Blend, Available at Trader Joe’s) Pour and serve––preferably into a replica of Love Is Blind’s famous gold glasses! ❤️ Learn more about your ad choices. Visit megaphone.fm/adchoices

Cringey family convos with a side of dry turkey? 😵‍💫 No thanks! Rachel and George invite Dr. John Delony to happy hour so we can all learn to ask better (and safer) questions this holiday season.   In This Episode:   ·     George’s delicious Middle Eastern alternative to sweet potato casserole ·     Actual questions you can use to start fun, friendly conversations with family ·     Why those infamous Black Friday deals may be better than ever this year   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:  The “Not Terrible” Sparkling Rosemary Grapefruit Mocktail ·     4 ounces grapefruit juice ·     2 ounces sparkling water ·     1 sprig rosemary ·     Grapefruit wedge Muddle fresh rosemary in the bottom of a tall glass. (Bonus: Pause for some aromatherapy!) Fill glass with ice. Pour in grapefruit juice and sparkling water. Garnish with a grapefruit wedge. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join as Rachel Cruze and George Kamel host Smart Money Happy Hour LIVE for the first time ever! From the SMART Conference stage in Dallas, Texas, find out which common (and costly) money mistakes get the best of us and our favorite celebs.   In This Episode:   ·     A rousing game of Put a Finger Down with the audience ·     The seven-figure secret Ryan Reynolds kept from his wife ·     George’s not-so-guilty pleasure and why Rachel’s probably a better human being   Helpful Resources:    ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today!  ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Paloma Mocktail: 1/4 cup grapefruit juice Juice from half a lime 1/2 cup Topo Chico (or other sparkling water) Optional: 1 ounce tequila Steps for Paloma Mocktail:  1. Pour the grapefruit juice, lime juice and Topo Chico over ice. 2. Stir about 20 seconds, top with a lime wedge, and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Vinyl, skin care and tequila, oh my! Rachel and George spill their thoughts on celeb products, cool kid brands and how to swap FOMO for JOMO (the joy of missing out).   In This Episode:   ·     The iconic first CDs Rachel and George bought with their own money ·     A casual battle of celebrity tequilas ·     The brilliant question Rachel asks herself to stop a spending spiral   Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    El Diablo ·     1 1/2 ounces tequila ·     1/2 ounce crème de cassis ·     1/2 ounce lime juice ·     3 ounces ginger beer Fill a shaker with ice. Add tequila, crème de cassis and lime juice. Do a little dance until sufficiently mixed. Strain over fresh ice and top with ginger beer.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Social media money advice? It can get a little sus. 🤨 Join Rachel and George as they sip, scroll and share candid reactions to the wild world of #FinTok (Financial TikTok)! Plus, they’ll share pro tips for sorting the good advice from the bad.    In This Episode:   🚩 Red flags to look for when influencers and celebs share “financial advice” 🚩 The product Kim Kardashian can’t promote for the next three years 🚩 George’s hot take on who should have sung “Listen to Your Heart”   Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Espresso Marti-No ·     2 ounces Seedlip Spice 94 (nonalcoholic spirit) ·     2 ounces cold brew concentrate ·     1/2 ounce simple syrup Pour Spice 94, cold brew and simple syrup over ice in a shaker. Shake for 20 seconds. Strain into a fancy glass (#KamelCoupeClub) and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re flying first class today, friends. Join as Rachel Cruze and George Kamel get vulnerable about their bougiest habits (on a budget), give their candid thoughts on what the rich and famous shamelessly spend and save on, and reveal their personal wealth-building plans.   In This Episode:   ·     The answer to who’s bougier—Rachel or George—plus the hard-hitting evidence ·     Why we low-key respect Celine Dion for dropping millions on this ·     The proven wealth-building plan that actually gives you permission to spend   Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    French 75: 1 1/2 ounces gin 3/4 ounce lemon Juice 3/4 ounce simple syrup 2 ounces champagne Optional: long spiral lemon twist Steps for French 75: 1. Combine gin, lemon juice and simple syrup in a cocktail shaker. Fill shaker with ice, cover, and shake vigorously until outside of shaker is cold (about 20 seconds). 2. Strain cocktail through a strainer or slotted spoon into a glass (preferably, a large flute). Top with champagne, garnish with lemon twist if desired, and sip away! Learn more about your ad choices. Visit megaphone.fm/adchoices

Fill up your Stanley cup, friends—things are about to get spicy! Join Rachel Cruze and George Kamel as they talk trash TV, why being on The Bachelor will make you broke, and the financial strategy reality stars should use if they win big.    In This Episode:   ·     Why the Real Housewives stars are actually business ninjas ·     Which reality shows George and Rachel would consider appearing on ·     How to build wealth—and not blow through cash—when receiving a lump sum of money Helpful Resources:   ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:    Spicy Margarita: 2 ounces of blanco tequila 1/2 ounce triple sec 1 1/2 ounces fresh lime juice (2 limes) 1/2 ounce jalapeno simple syrup Lime wedges and sliced jalapenos (for garnish) Optional: Tajin or salt for rim Jalapeno Simple Syrup: 1 cup water 1 1/2 cups brown sugar 1/2 cup granulated sugar 2 jalapeno peppers, rinsed and sliced Steps for Margarita: 1. Add tequila, triple sec, lime juice and simple syrup into a cocktail shaker with ice. Cover and shake vigorously until the outside of the shaker is very cold (about 30–40 seconds). 2. Place salt or Tajin on a small plate, rub the rim of a glass with a lime wedge, then dip the glass rim into the salt to coat. 3. Fill the glass with ice, pour in margarita, garnish with lime wedge and jalapeno slice, and enjoy! Steps for Simple Syrup: 1. In a saucepan over medium-high heat, bring the water to a boil and add the sugars. Stir constantly until the sugar is dissolved. 2. Add jalapeno slices to the pan. Reduce heat and simmer three minutes, stirring frequently. 3. Remove from heat and let the syrup steep for 20 minutes.  4. Strain through a fine mesh strainer to remove the pepper slices and seeds. 5. Mix into drinks! *Store extra syrup in a sealed container and refrigerate. This should last in your fridge for a month, or you can store it in a freezer bag or ice cube tray and freeze it for a year. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you want to leave a tip with that . . . and that . . . and also that? Rachel and George talk current tipping trends giving Americans anxiety and why true generosity can’t be forced.    In This Episode:   ·     The craziest places we’re being asked to tip (um, the drive-through?) ·     How to get that “giver’s glow” when leaving gratuity ·     The mortifying moment that made George give up waiting tables for life   Helpful Resources:    ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices ·     Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:   Manhattan ·     2 ounces rye whiskey  ·     1 ounce sweet vermouth ·     1 dash Angostura bitters ·     Brandied cherry (optional)   Fill a cocktail shaker with ice. Add rye whiskey, sweet vermouth and bitters. Shake and strain into a coupe glass. Top with a brandied cherry. Take a sip–and tip yourself with a pat on the back for saving money today! 😊 Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Rachel Cruze and George Kamel as they talk price hikes, megafandom, and insider savings tips for the most magical (and arguably expensive) place on earth: Disney World.   In This Episode:   ·     What it really costs the average family to take on Disney World ·     A shameless testimony from a real-life Disney adult ·     Why Disney execs are okay with pricing out the middle class   Helpful Resources:    ·      Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.     ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today!   This Week’s Happy Hour Special:  Spiced Cider ·     8 ounces apple cider ·     1 cinnamon stick ·     1 ounce rum (optional)   Heat apple cider until slightly steamy. Stir in a cinnamon stick and—if you’re feeling a little something extra—an ounce of rum. Cheers! Learn more about your ad choices.  Ad Choices | Megaphone by Spotify Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

’Ello, mate! Join Rachel Cruze and George Kamel as they talk royals, riches and real ways we can all leave a brighter financial legacy for our families.   In This Episode:   ·     A bird’s-eye view of the monarchy’s massive net worth   ·     The average commoner’s guide to building wealth like a royal ·     A tribute to the late Queen’s favorite adult beverage   Helpful Resources:   ·      Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    ·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.     This Week’s Happy Hour Special:  Gin and Tonic ·     2 ounces gin ·     4 ounces tonic water ·     Lime wedges (optional) Pour gin over ice in a tall glass. Stir in tonic water and top with a lime wedge. Cheers! Learn more about your ad choices. Visit megaphone.fm/adchoices

Home is where the aesthetic is! Rachel Cruze and George Kamel discuss how HGTV and the rise of social media might have gotten our housing hopes up a little too high. In This Episode: ·     Middle-class cribs then and now (think bathroom—not bathrooms, people) ·     How creating a space you love living in might actually SAVE you money ·     George shares a genius Google hack for decorating on a budget Helpful Resources: ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Do you have a Guilty As Charged question for Rachel and George? Send a direct message to @rachelcruze or @georgekamel on Instagram! This Week’s Happy Hour Special: Screwdriver ·     5 ounces orange juice ·     2 ounces vodka Pour orange juice and vodka over ice in a tall glass. Stir, *sip* and soak up the vitamin C.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Scroll! Swipe! Spend? Rachel Cruze and George Kamel pour one out for the convenience culture trends making us BROKE (hello, Amazon Prime). In This Episode: ·     Feel-good free shipping, influencer recs and other things that make us say, “Take my money!” ·     George’s super SMART secret weapon for avoiding impulse buys ·     Rachel and George may or may not plead guilty to accidental theft Helpful Resources: ·     Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.  ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today! ·     Do you have a Guilty As Charged question for Rachel and George? Send a direct message to @rachelcruze or @georgekamel on Instagram! This Week’s Happy Hour Special: Basil Gimlet ·     6 fresh basil leaves ·     1 ounce lime juice ·     3/4 ounce simple syrup ·     1 1/2 ounces gin In a cocktail shaker, muddle five basil leaves with lime juice and simple syrup. Add ice and gin. Shake it like a Polaroid picture. Strain and top with remaining basil. *clink* Learn more about your ad choices. Visit megaphone.fm/adchoices

"Smart Money Happy Hour" premieres on September 22nd. Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love. Learn more about your ad choices. Visit megaphone.fm/adchoices