Smart Money Happy Hour with Rachel Cruze and George Kamel (Ramsey Network)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 💵 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

💵 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!   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!   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

💵 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! 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!   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! 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!    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

💵 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.  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! 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

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

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

💵 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

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

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

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

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

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

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

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

💵 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

💵 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! 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! 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! 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! 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

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

💵 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

📈 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

📈 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 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’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. 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.   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. 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. 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.   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. 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. “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 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. 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 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

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

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

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

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

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

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

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

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

💵 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 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!   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!   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!   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!    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! “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