We Dedicated an Entire Episode to Respond to the Haters
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If you’ve ever left a comment on this show saying we’re out of touch, totally wrong or just plain crazy—we see you! 😅 In this episode, Rachel and George react to the hottest takes from our comments section to see if any of them might have a point.
Next Steps:
🎥 Watch our video Explaining Our Most Hated Financial Advice.
🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.
💵 Start your free budget today. Download the EveryDollar app!
Connect With Our Sponsors:
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🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🍹 Sparkling Strawberry Coconut Mocktail
Recipe: @drinkteabar
2 ounces strawberry puree
6 ounces sparkling water
2 ounces coconut milk
Instructions: Add strawberry puree to your glass. Add ice and sparkling water. Stir and top with coconut milk.
Explore More From Ramsey Network:
💡 The Rachel Cruze Show
💰 George Kamel
🎙️ The Ramsey Show
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
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45:26
The DUMBEST Things People Actually Spend Money On!
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Dropping $10 on latte art . . . Waste of money or totally worth it? In this episode, Rachel and George call out the dumbest things people spend money on, plus you’ll find out what questions to ask next time you’re tempted to splurge.
Next Steps:
🎥 Watch our video Frugal Fails That Might Actually Ruin You.
🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.
💵 Start your free budget today. Download the EveryDollar app!
Connect With Our Sponsors:
🔒 Get 20% off when you join DeleteMe.
🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🍹 Sparkling Pear Mocktail
Recipe: Cotter Crunch
3 Anjou pears
1/3 cup water
1 tablespoon mulling spices
2 cinnamon sticks
1/4 teaspoon ground ginger
1 teaspoon vanilla extract
1/4 cup maple syrup
24 ounces sparkling apple juice
Instructions: Place the peeled, sliced pears and water in a high-speed blender. Blend until smooth. Add the pear puree in a small pot along with the mulling spices, cinnamon, ginger, and vanilla. Mix together and let the pot simmer for 15 minutes on medium low. Remove from heat, mix in the maple syrup and cool. Once cool, strain and store the remaining syrup in a sealed jar. Place in the fridge until ready to use. To make the mocktails, place sugar on a large plate. Coat the rim of a wine or cocktail glass with egg white then dip in the plate of sugar. Add 1/4 cup pear syrup followed by 5–6 ounces of sparkling apple juice. Stir then add ice, if desired, and garnish with herbs. Repeat to get 4–6 mocktails.
Explore More From Ramsey Network:
💡 The Rachel Cruze Show
💰 George Kamel
🎙️ The Ramsey Show
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
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41:02
Disney Reality Check: The Good, the Bad and the Magical
📈 Are you on track with the Baby Steps? Get a free personalized plan.
If you’re willing to go into debt for limited-edition Mickey Mouse ears 🐭 . . . it’s time to stop the madness. In this episode, Rachel and George reveal Disney adults’ top hacks so you can enjoy the most magical place on Earth without breaking the bank.
Next Steps:
🎥 Watch our video What Are “Vacations” Really Costing You?
🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.
💵 Start your free budget today. Download the EveryDollar app!
Connect With Our Sponsors:
🔒 Get 20% off when you join DeleteMe.
🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🍸 La Tourista
Recipe: @taco.dia
2 ounces tequila
1/2 ounce St-Germain elderflower liqueur
1/2 ounce Aperol
1/2 ounce simple syrup
1 ounce lemon juice
2 dashes bitters
Instructions: In a cocktail shaker, add all the ingredients and shake to combine. Strain into a glass filled with ice. Garnish with orange peel or rosemary sprig if desired.
Explore More From Ramsey Network:
💡 The Rachel Cruze Show
💰 George Kamel
🎙️ The Ramsey Show
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
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45:37
Putting Our Financial Knowledge to the Test (With Special Guests!)
📈 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
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36:25
Answering Your Top Housing Questions
📈 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
Su Smart Money Happy Hour with Rachel Cruze and George Kamel
Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love.
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