Smart Money Happy Hour with Rachel Cruze and George Kamel

💵 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 

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💵 Start your free budget today. Download the EveryDollar app! 

Would you park a mile away to avoid pricey parking? Or let your home become a sauna to keep AC costs low? Just how far are you willing to go to save on cost of living? Stick around to hear some of the most extreme money-saving hacks out there.  

Next Steps: 

• 🎥 Check out our video Girl Math: Smart Financial Strategy or Huge Money Mistake? 
• 📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 

Connect With Our Sponsors: 

• 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🍸 Tequila Manhattan 

Recipe: Food & Wine 

Ingredients: 

• 2 ounces añejo tequila 
• 1 ounce sweet vermouth 
• 2 dashes mole bitters 

Instructions: Combine all ingredients in a mixing glass with ice and stir until thoroughly chilled. Strain into a chilled coupe or over a large whiskey cube. Garnish with a maraschino cherry and/or an orange twist. Enjoy! 

Listen to More From Ramsey Network: 

💡 The Rachel Cruze Show 

💰 George Kamel 

🎙 The Ramsey Show 

💸 The Ramsey Show Highlights   

🧠 The Dr. John Delony Show 

💼 The Ken Coleman Show 

📈 EntreLeadership 

Ramsey Solutions Privacy Policy 

Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!

If you’d rather do literally anything else besides sit down and make a budget (including watching Frozen with your kids for the 10th time), then this one’s for you. In this episode, George and Rachel are responding to the most common excuses for not budgeting.

Next Steps:

• 📗 Order George Kamel’s new book, Breaking Free From Broke.
• 📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Connect With Our Sponsors:

• 🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.

Today’s Happy Hour Special: 🥃 Blackberry Lime Mule Mocktail

Recipe: Paige Bakes

• 4 blackberries
• Lime juice (1 lime)
• 2 cups crushed ice
• 6.8 ounces (1 bottle) ginger beer

Instructions: Pour lime juice and muddle blackberries in a glass. Fill the glass with ice and strain blackberry lime juice into a separate glass. Top with ginger beer. Enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights 

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!  

If you’ve ever dreamed of being a contestant on your favorite game show (and yelling “good

answer!” at the top of your lungs), then today’s episode is the next best thing! Rachel and

George are going head-to-head in our Financial and Fun game, so play along for some money-

saving tips.

Next Steps:

• 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Connect With Our Sponsors:

• 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.

Today’s Happy Hour Special: Dark and Stormy

Recipe: Food and Wine 

Ingredients:

• 2 ounces dark rum

• 1/2 ounce lime juice

• Ice

• 3 ounces ginger beer

• 1 candied ginger slice

• 1 lime wheel

Instructions: Fill a cocktail shaker with ice, add rum and lime juice, and shake well. Strain into an ice-filled collins glass and stir in the ginger beer. Skewer the ginger slice and lime wheel and

garnish. Enjoy!

Listen to More From Ramsey Network:  

💡 The Rachel Cruze Show 

💰 George Kamel 

🎙️ The Ramsey Show 

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show 

💼 The Ken Coleman Show 

📈 EntreLeadership 

Ramsey Solutions Privacy Policy 

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💵 Start your free budget today. Download the EveryDollar app!

In this episode, we’re switching things up with a little help from our friends (that means you, #SMHHNation)! Rachel and George are here to weigh in on actual money questions submitted by YOU.

Next Steps:

· 🎥 Check out our video Explaining Our Most Hated Financial Advice.

· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Connect With Our Sponsors:

· 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.

Today’s Happy Hour Special: 🍸 Fireman’s Daiquiri

Recipe: The Cocktail Bible

Ingredients:

·      2 ounces rum

·      1 ounce lime juice

·      3/4 ounce grenadine

Instructions: To a shaker, add rum, lime juice, grenadine and ice. Shake, strain into your favorite glass, and enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!

The smell of warm cookies, a hug from your bestie, American Idol b-roll—let’s face it, we all love feeling good! But in this episode, Rachel and George explore why dopamine overdosing doesn’t hit quite like it used to—plus how to regain everyday joy.

Next Steps:

·  🎥 Check out our video Should We Sell It All and Be Homesteaders?

·  📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Offer From Our Sponsor:

·      🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney

Today’s Happy Hour Special: 🍸 Lemon Drop Mocktail

Recipe: Lemon Drop Mocktail From Food Banjo

·      Sugar (for rim)

·      4 ice cubes

·      3/4 ounces simple syrup

·      1 1/4 ounces lemon juice

·      2 1/2 ounces club soda

·      Lemon peel (for garnish)

Instructions: Place a small pile of sugar on a plate. Take a martini glass and wet the rim with either a lemon half or water. Dip the rim of the glass in the sugar for a nice coating around the rim. Add the ice cubes, simple syrup and lemon juice into a cocktail shaker. Shake together for 15 seconds. Strain the mixture into the martini glass and top with the club soda. Garnish with a lemon peel and enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!

We all love a good BOGO, but can you really spend your way into saving more? In this episode, Rachel and George help you identify common “spaving” tricks you may be falling for and how to break the cycle!

Next Steps

·  Never heard of EntreLeadership before? Check out our podcast for business leaders, EntreLeadership.

·  🎥 Check out our video on Girl Math: Smart Financial Strategy or Huge Money Mistake?

·  Invest and plan for your future with a SmartVestor Pro. Get connected for free!

· 📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Offer From Today’s Sponsor

·  This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.

Today’s Happy Hour Special: 🥃 The Chestnut Cup

Recipe: Cocktails Distilled

Ingredients:

·      1 ounce gin

·      1 ounce Campari

·      1 ounce lemon juice

·      3/4 ounce orgeat

Instructions: Combine all the ingredients in a shaker and add a single ice cube. Shake to combine, then strain into a glass filled three-quarters with ice cubes. Top with crushed ice and garnish with an orange wheel. Enjoy!

Explore More Shows From Ramsey Network

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

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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

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💵 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

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 💵 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

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💵 Sign up for EveryDollar today to create a free budget!

Consider this episode your crash course in investing! We get it—investing can be confusing. But don’t worry, Rachel and George are here to break it all down for you in a way that’s so simple even a five-year-old could understand.

Next Steps

📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

🎥 Check out our video where we explain our most hated financial advice.

💰 Use the Ramsey Investment Calculator to find out your earning potential!

💸 Find an investing pro today!

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney.

Today’s Happy Hour Special: 🍋‍🟩 Moscow Mule

Recipe: Difford’s Guide

Ingredients:

• 2 ounces vodka

• 1/2 ounce lime juice

• 1/3 ounce sugar syrup

• 3 ounces ginger beer

• Ice

Instructions: In a copper mug, stir together vodka, freshly squeezed lime juice, and sugar syrup. Then, add ice so it fills the mug two-thirds of the way and top with ginger beer. For added flair, serve with an optional lime slice and mint sprig.

Listen to More From Ramsey Network

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 The EntreLeadership Podcast

Ramsey Solutions Privacy Policy

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💵 Sign up for EveryDollar today to create a free budget!

Rachel and George have a hot topic on the agenda for this episode: Are Gen Zers just millennials . . . rebranded? Trends, tech, money habits—they’re comparing it all to find out if there really is a clear divide or if it’s just one big generational blur.

Next Steps

📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

🎥 Check out this episode to find out what today’s teens are spending their money on.

Offers From Today’s Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney.

Today’s Happy Hour Special: Juicy Julep Mocktail

Recipe: Completely Delicious

·      1 ounce pineapple juice

·      1 ounce orange juice

·     1 ounce lime juice

·      1 teaspoon fresh mint

·      Ginger ale (to top off)

·      Ice

Instructions: Add ice, pineapple juice, orange juice and lime juice to a glass. Top with ginger ale and mint leaves, and stir to combine. Serve right away, garnished with fresh mint.

Listen to More From Ramsey Network

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

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💵 Start your free budget today. Download the EveryDollar app!

In this episode, Rachel and George explore the realities of adulting. Spoiler alert: It’s not all fun and games, especially when it comes to those sneaky, money-related expenses. But, before you get too down, stick around because they’re sharing a special tip to instantly make adulthood less depressing!

Next Steps

📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

🎥 Go to our video on Did You Get “The (Money) Talk” as a Kid?

🗞️ Read George’s article, “Why Do I Owe Taxes This Year? 6 Common Reasons”

💛 Pick up a copy of Rachel’s new children’s book, I’m Glad for Where I Am.

🛳️ Book your cabin! Join Dave and the Ramsey Personalities for a luxurious celebration of financial freedom aboard the Live Like No One Else Cruise!

👩🏽‍💻 Are you protected with the right insurance? Find out with our online Coverage Checkup.

🚑 Get covered! Find a RamseyTrusted insurance pro at Zander Insurance.

🖋️ Create your legally binding will using our online will-maker, powered by Mama Bear Legal Forms.

Offers From Today’s Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🍋‍🟩 Reddish Rita

Recipe courtesy of our Smart Money Happy Hour mixologist

1 ounce of reposado tequila

1 ounce of blanco tequila

3-4 ounces of orange liqueur

1 ounce of lime juice

1/2 ounce of agave nectar

Instructions: In a cocktail shaker, combine reposado tequila, blanco tequila, orange liqueur, lime juice and agave nectar. Add ice and shake vigorously until well chilled. Strain the mixture into a salt-rimmed glass and enjoy!

Listen to More From Ramsey Network

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

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💵 Start your free budget today. Download the EveryDollar app!

It's Independence Day and Rachel and George are celebrating in true Smart Money Happy Hour style—with patriotic cocktails and a little chat about financial independence. Is it a realistic goal, or should you aim for financial peace instead? They'll answer these questions on financial dependencies and more.

Next Steps

📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

🎥 Go check out our video on navigating awkward money conversations.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🇺🇸 American Collins

Recipe: The Spruce Eats

1 1/2 ounces of gin

3/4 ounce of simple syrup

3–4 ounces of club soda

1/2 ounce of lemon juice

8 blueberries

4 cherries

Instructions: In a collins glass, muddle blueberries, cherries, simple syrup and lemon juice. Then, add the gin and fill the glass with ice. Stir briefly and top with club soda. Garnish with a cherry and a lemon wheel and enjoy!

Listen to More From Ramsey Network

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

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💵 Start your free budget today. Download the EveryDollar app!

We’re all guilty of the occasional little white lie, but are they as harmless as they seem? Today, Rachel and George discuss how these fibs could actually be dipping into your wallet without you even noticing. Join them for a look at the financial impact of our everyday words.

Next Steps

📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

🎥 Check out George’s video where he breaks down investing for beginners.

💰 Navigate your investments with expert guidance from a SmartVestor Pro.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🍋 Creamy Lemonade

Recipe: Every Little Crumb

Servings: 6

Ingredients:

• 1/2 can sweetened condensed milk

• 1 cup lemon juice

• 3 cups cold water

• 2 cups ice

Instructions: In a pitcher, whisk together the lemon juice and sweetened condensed milk. Add the cold water and stir, and then add the ice. For added flair, serve with extra lemon slices and optional mint leaves and enjoy!

Listen to More From Ramsey Network

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

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💵 Sign up for EveryDollar today to create a free budget!

Are "Get Ready With Me" videos filling your feed? Join George and Rachel as they explore the internet's latest obsession with watching strangers’ routines, explain how it fuels comparison culture, and offer some helpful tips to keep your spending safe from viral trends.

Next Steps

📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

🎥 Watch George and Rachel break down bad habits that are hurting your wallet.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🥃 Maple Bourbon Sour

Recipe: Joy + Oliver

Ingredients:

• 1 1/2 ounce bourbon

• 3/4 ounce lemon juice

• 3/4 ounce maple syrup

• 4 ice cubes

• 1 rosemary sprig

Instructions: In a cocktail shaker, combine the bourbon, lemon juice and maple syrup and fill with ice. Shake until fully combined and pour into your favorite cocktail glass. Garnish with fresh rosemary and enjoy!

Listen to More From Ramsey Network

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

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Ever feel like “going on vacation” is more work than rest? From booking flights to wrangling kids to drowning in laundry when you get home—it feels like the pre-trip to-do list never ends! So today, George and Rachel are digging into the true cost of rest when it comes to your time, relationships and most importantly, your money.

Next Steps

• 🖥️ Sign up for FPU to start making progress with your money goals.
• 💸 Get your sinking fund questions answered with this step-by-step article.
• 🏖️ Get the scoop on the rise and fall of short-term vacation rentals.
• 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 

Offers From Today's Sponsors 

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.  

Today’s Happy Hour Special: Orange Creamsicle Cocktail

Recipe: StyledByDaisies.com

Ingredients: 

·     2 ounces whipped vodka

·     1 ounce Cointreau

·     2 ounces orange juice

·     1.5 ounces heavy cream

·     1 orange slice

Instructions: 

Add vodka, orange liqueur, orange juice, heavy cream and ice to a cocktail shaker. Shake for 15-30 seconds. Pour all contents into a cocktail glass, add more ice if needed, garnish with a fresh orange slice and enjoy!

Listen to More From Ramsey Network 

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show 

💡 The Rachel Cruze Show 

💸 The Ramsey Show Highlights 

💰 George Kamel 

💼 The Ken Coleman Show 

📈 EntreLeadership 

Ramsey Solutions Privacy Policy 

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💵 Sign up for EveryDollar today. Create a free budget!

Ever think about turning your back on city life for wide, open spaces and self-sufficiency? From trendy aesthetics to what it really costs to live off the land, Rachel and George are exploring the allure of homesteading to see if the simple life truly is better.

Next Steps

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

·      🎓 Learn to win with money by enrolling in Financial Peace University.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: Earl Grey Tea and Tonic Mocktail 🍸

Recipe: Simply Recipes

Ingredients:

Earl Grey Tea Syrup

·      1 cup sugar

·      1/2 cup water

·      2–3 Earl Grey tea bags

Mocktail

·      3/4 ounce Earl Grey tea syrup

·      1/2 ounce freshly squeezed lemon juice

·      3–4 ounces tonic water

·      8 ounces crushed ice

Instructions:

To make the syrup, combine the water and sugar and bring it to a boil, then remove from the heat. Add the tea bags to steep and let it cool in the fridge for 30 minutes. Fill a highball glass with ice, then pour in the cooled syrup, lemon juice and tonic water. Gently stir and serve.

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In this week's episode, George and Rachel are giving financial transformations a nostalgic twist by channeling early 2000s makeover shows, complete with dramatic "before and after" reveals. 

Next Steps 

• 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  
• 🎓 Learn to win with money by enrolling in Financial Peace University. 

Offers From Today's Sponsors 

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to http://joindeleteme.com/smartmoney.   

Today’s Happy Hour Special: 🍸 Strawberry Basil Martini 

 Recipe: Styled by Daisies 

 Ingredients: 

• 2 ounces gin  
• 3/4 ounce strawberry simple syrup 
• 4 basil leaves 
• 1 ounce lemon juice 
• 1 egg white  



Instructions: 

In a cocktail shaker, combine the gin, strawberry syrup, lemon juice, basil, and egg white. Dry shake, add 5–7 cubes of ice, then shake again. Strain into a chilled martini glass and garnish with a strawberry slice. 

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Ever wonder how far some people will go for money? Join George and Rachel as they unravel the dark side of money psychology and its gripping ties to true crime. From insurance payouts to money laundering, they’re uncovering what makes money a motive for crime.

Next Steps

·      🖋️ Make a plan for your legacy today! Create your state-specific will online with the help of Mama Bear Legal Forms.

·     🔐 Protect your family’s future. Get free term life insurance quotes from Zander Insurance.

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. 

Today’s Happy Hour Special:🍸 Black Widow

Ingredients:

·      1 ounce vodka

·      2 ounces Chambord raspberry liqueur

·      1/2 teaspoon activated charcoal powder

·      1 teaspoon lime juice

·      1 teaspoon simple syrup

·      2 dashes Peychaud’s bitters

·      2-3 Blackberries

Instructions:

Pour vodka, raspberry liqueur, charcoal powder, lime juice, simple syrup and bitters in a cocktail shaker filled with ice. Shake and strain into glass. Top with blackberries for garnish.

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If “financial literacy” is as foreign to you as our obsession with avocado toast, that could cost you a lot more than an embarrassing moment at brunch. Join Rachel and George for a breakdown of all the financial terms you need to know. But don’t worry, they’ll be attempting some random trivia of their own.

Next Steps

·      💰 It’s never too late to learn about personal finance! Learn more about any financial topic at ramsey solutions dot com.

·      📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

An Offer From Today's Sponsor 

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Today’s Happy Hour Special:🍸 Margarita Mocktail

Recipe: Sugar and Charm

Ingredients:

·      1 ounce lime juice

·      1 ounce lemon juice

·     1 ounce simple syrup

·      3 ounces club soda

·      Himalayan pink salt

·      4 ice cubes

Instructions: Fill a cocktail shaker with ice and add in the lemon juice, lime juice and simple syrup. Shake. Dip the rim of your glass into lime juice and Himalayan pink salt and add ice. Strain the mocktail into the salt-rimmed glass. Optional: Garnish with a lime wheel.

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What do puka shells, water beds and lifted trucks have in common? They’re all status symbols (or were at some point). In this episode, Rachel and George will unpack the most popular and bizarre status symbols from throughout history and around the world. They’ll also reveal which ones are worth pursuing—and how to not break the bank in the process.

Next Steps

·      📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Offers From Today's Sponsors

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Today’s Happy Hour Special 🍸 Chai White Russian

Recipe: Cocktailwave.com

Ingredients:

·      2 ounces vodka

·      1 ounce coffee liqueur

·      2 bags chai tea

·      1 ounce cream

Instructions: Brew a strong cup of chai tea and let it cool. Stir together with vodka and coffee liqueur. Top with cream and stir gently.

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Cue the confetti! What better way to celebrate Rachel's and George’s birthdays than with some birthday-themed trends and trivia, the birthday freebie list that dreams are made of, and affordable gift ideas. Plus, they’ll give their best tips for throwing a birthday bash on a budget.

Next Steps

·      📘 Check out Rachel’s newest book for a sweet way to talk to your kids about the most important gifts in their lives.

·      💵 Start budgeting today! Go to everydollar.com/smartmoney to get $15 off the premium version of EveryDollar.

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special 🍸 Paper Plane

Recipe: Liquor.com

Ingredients:

·      3/4 ounce bourbon

·      3/4 ounce Aperol

·      3/4 ounce Amaro Nonino Quintessentia

·      3/4 ounce lemon juice, freshly squeezed

·      Ice

Instructions: Add the bourbon, Aperol, Amaro Nonino and lemon juice into a shaker with ice and shake until well chilled. Strain into a coupe glass.   

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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.

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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.

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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.

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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.

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Life is hard, but it’s nothing a “little treat” can’t fix . . . right? Get Rachel and George’s take on the true cost of those seemingly innocent serotonin splurges. Plus, we’re keeping our hosts honest about the treats they secretly love to indulge in!

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special 🍸 Mudslide

Ingredients:

·      2 ounces vodka

·      1 ounce Bailey’s Irish Cream

·      1 ounce Kahlúa

·      1 1/2 ounces heavy cream

·      Chocolate syrup

Instructions: In a cocktail shaker filled with ice, combine the vodka, Bailey’s, Kahlúa and heavy cream. Shake until well chilled. Decorate the inside of your favorite cocktail glass with a drizzle of chocolate syrup. Strain the shaker into the decorated glass and enjoy!

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Are we the world’s biggest basketball fans? Not exactly. But we’re always game for a friendly bracket competition! Join Rachel and George for a special round of March MONEY Madness as they debate some of the worst financial products in the world.

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special 🍸 Grapefruit Jalapeño Mocktail

Recipe: Allianna's Kitchen Grapefruit Mocktail

Ingredients:

·      1 cup grapefruit juice

·      1 cup club soda

·      1/2 small jalapeño

·      1 teaspoon lime juice

·      Ice

Instructions: Mix grapefruit juice, lime juice and club soda in a glass. Add ice. Garnish with 2–5 jalapeño slices, stir and serve.

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What do Smart Money Happy Hour viewers really think about cutting up credit cards, the Baby Steps, and combining finances with their spouse? Tune in to find out! This week, George and Rachel react to your comments and raise their glasses to all the keyboard critics, trolls and BFFs who keep things lively in the comments section.

Next Steps

·      🎥 Check out the popular video where we explain our most hated financial advice.

·      ➡️ Need a plan for your money? Check out Financial Peace University.

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special: 🍸Gold Rush

Recipe by: Difford’s Guide

Ingredients:

·      2 ounces bourbon whiskey

·      3/4 ounce lemon juice

·      3/4 ounce honey syrup (3 honey to 1 water)

·      3 drops saline solution 4:1 (20g sea salt to 80g water)

Directions:

Serve in an old-fashioned glass. Garnish with lemon wedge. Shake all ingredients with ice and fine strain into ice-filled glass.

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We admit it: We love saving money! This week, George and Rachel are dishing out some of their favorite legit (and ludicrous) money loopholes, discounts and freebies that you might miss if you don’t read the fine print. (Free refills at Starbucks? Hello!)

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special 🍸 Grapefruit Coconut Cooler

Recipe: Sunny’s Grapefruit-Coconut Cooler

Ingredients:

·      8 ounces Ruby Red or pink grapefruit juice

·      2 ounces cream of coconut

·      1/2 ounce agave nectar

Instructions: Combine the grapefruit juice, cream of coconut and agave in a small pitcher or bowl and stir to blend. Pour into a glass over ice.

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Did your parents give you “the talk” as a kid—the money talk, that is? This week, Rachel and George weigh in on how previous generations have done with teaching their kids about money, and what you need to know to raise your own money-smart kids.

Next Steps

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special 🍸 Oaxaca Old Fashioned (with Mezcal)

Recipe by: A Couple Cooks

Ingredients:

·      1 1/2 ounces tequila reposado

·      1/2 ounce mezcal

·      1 teaspoon agave syrup or honey

·      3 dashes chocolate bitters (or substitute Angostura bitters)

·      Large clear ice cube

·      Orange peel, for garnish

Instructions:

1.    Stir the tequila, mezcal, agave syrup, and bitters in a lowball glass. Add a large clear ice cube.

2.    Express the orange peel onto the glass by squeezing it to release the oils.

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It’s Smart Money Happy Hour, of course we’re going to take a crack at a fun social media trend and use it to talk about money! This week, Rachel and George put an #OfCourse! twist on things Baby Steps Millionaires do to reach that $1 million milestone and keep building wealth. Shout out to the following creators for their #OfCourse! takes: @kaycegbrown, @dom.domination, @kellymann, @__QueenSie__ and @emyxbudgetsahm.

Next Steps

·      🎥 Want to do a deeper dive on the Baby Steps? Check out the How to Start Becoming a Millionaire in 2024 episode.

·      📗Spark conversations with your kids about contentment with Rachel’s kids book, I’m Glad for What I Have.

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special: 🍸Roseberry Mule Mocktail

Recipe by: Tasty

Ingredients:

·      1 handful blackberries

·      1 sprig fresh rosemary

·      1 tablespoon agave nectar or honey

·      1 bottle ginger beer, to taste

·      1 ounce lime juice

·      Ice

Instructions:

1.    In a cocktail shaker or a tall glass, muddle blackberries and rosemary.

2.    Add sweetener and ice, shake until well combined. (If you do not have a cocktail shaker, simply pour back and forth between two glasses until combined.)

3.    Strain mixture over ice and add ginger beer and a squeeze of lime to taste.

4.    Garnish with blackberries and a sprig of rosemary.

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Room service or extra room? Live like you’ve got a maid or live like a local? Rachel and George weigh in on the pros and cons of staying in a short-term rental (versus a hotel). And if you’re thinking about investing, they’ve got smart money advice for that too.

Next Steps

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special: 🍸Limelight

Recipe by: Queen Bee Mixology

·      2 ounces Brother’s Bond bourbon

·      1/2 ounce lime juice

·      3/4 ounce simple syrup

·      3/4 ounce pineapple juice

·      3 dashes orange bitters

·      1 ounce Campari

·      Sprinkle of cinnamon

Instructions:

·      Add all ingredients, except Campari and cinnamon, to a cocktail shaker, top with ice, and shake until chilled.

·      Add 1 ounce of Campari to cocktail glass, add fresh ice, and strain cocktail shaker contents over top.

·      Sprinkle the top with cinnamon and enjoy!

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You can’t buy love . . . but don’t tell that to the guy who spends $499 a month on dating apps! Today, George and Rachel break down the cost of dating and what the average American relationship will cost you over a lifetime. The bottom line: Whether you’re married or single, love is expensive—budget accordingly.

Next Steps

·      💡 Need some budget-friendly date ideas? Check out 45 Cheap Date Ideas You’ll Actually Want to Go On.

·      💵 Start budgeting today! Go to www.everydollar.com/smartmoney to get started. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.

·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

Today’s Happy Hour Special: 🍸 Sparkling Raspberry Floats

Recipe by: RICARDO

Ingredients:

·      2 cups raspberry sorbet

·      4 dessert cups, placed in the freezer for one hour or more

·      Edible gold leaf glitter

·      2 cups (500 ml) ginger ale

Instructions:

Place a scoop of raspberry sorbet at the bottom of each dessert or martini glass. Sprinkle with gold leaf glitter.

Pour ginger ale in small glasses and serve alongside sorbet.

Let each person pour soda over sorbet.

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Why are wealthy people dressing like they have no money while broke people are trying to dress like they live at the Biltmore? In this episode, George and Rachel break down the latest fashion trends, how they affect your bank account, and why we tend to want what we don’t have.

In this episode:

·     Why trendy things will never be worth what you pay for them, like the Stanley tumbler in cosmo pink

·     Money advice that will always be in style: Spend wisely and don’t go into debt for anything (especially clothes!)

·     George and Rachel reveal their worst fashion moments (Carhartt overalls are mentioned—and not by George)

Resources:  

·     Want to make real progress with your money? Get tickets to Total Money Makeover Weekend today.

·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.

·     Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

·     Learn more about your ad choices: https://www.megaphone.fm/adchoices

·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy

This Week’s Happy Hour Special: Maple Manhattan

Recipe by Flour Child

Ingredients:

·     1 jigger bourbon

·     1/2 ounce sweet vermouth

·     1 tablespoon maple syrup

·     2–3 dashes angostura bitters

·     1–2 Luxardo cherries

Instructions:

1.    Add one scoop of fresh ice to a cocktail shaker.

2.    Pour in all ingredients.

3.    Shake for about 20 seconds and then strain into a cocktail or coupe glass.

4.    Garnish with a Luxardo cherry.

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It’s out with the old and in with the new! George and Rachel are sounding off on the bad habits you need to quit in 2024—like not having an emergency fund, impulse buying, and forgetting your blinker—and sharing some smart money habits to build instead. Plus, get the $1.32 mocktail that earned a 10 out of 10.

In this episode:

·      Rachel’s “add it to the cart” habit to help you spend less money

·      The habit George loves that lets you earn 3–5% more money

·      Habit-change motivation from the great philosopher Miley Cyrus: “Ain’t about how fast I get there . . . it’s the climb.”

Resources:  

·      What to make real progress with your money? Get tickets to Total Money Makeover Weekend today.

·      Get George’s new book, Breaking Free From Broke, and get three months free of the premium version of EveryDollar.

·      Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.

·      Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

·   Help us make the show better! Please fill out the quick survey.

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·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy

This Week’s Happy Hour Special: Mojito Mocktail

Recipe by Culinary Hill

Ingredients:

·      10 fresh mint leaves plus more for garnish (see note 1)

·      1/2 lime cut into 4 wedges, divided

·      2 tablespoons granulated sugar or to taste (see note 2)

·      1 cup ice cubes

·      1/2 cup club soda (see note 3)

Instructions:

1.    In a medium sturdy glass add mint leaves and 1 lime wedge. Use a muddler to crush the mint and lime, releasing the mint oils and lime juice.

2.    Add 2 more lime wedges and the sugar, and muddle again to release the lime juice. Do not strain the mixture.

3.    Fill the glass almost to the top with ice. Add club soda and more sugar to taste if desired. Garnish with mint leaves and remaining lime wedge.

Notes:

1.    Mint: Mojitos are typically made with spearmint, not peppermint.

2.    Sugar: Or substitute agave, honey, or simple syrup and add it to taste. However, the grittiness of granulated sugar adds texture and is part of the charm of a mojito.

3.    Club soda: Or choose sparkling water or a clear soda such as Sprite of 7UP.

4.    Yield: This recipe makes 1 mojito mocktail.

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Some things we’ve just gotten used to—like $4 coffee, the F-bomb on TV, and your cousin Fred oversharing on Facebook. But has our nothing-shocks-us society also desensitized us to the effects of living in debt? George and Rachel weigh in. Join them for a New York twist on a classic cocktail and smart money tips to ditch debt and build wealth.

In this episode:

• 
  
• Things we should find shocking, like a $500 car payment and retiring with a mortgage
• 
  
• Sputnik, “Carmageddon” and the gateway drug to debt: the credit score
• 
  
• The antidote to overspending (so you can enjoy what you have now while you work for the things you want later)
• 
  

Resources:  

• 
  
• What to make real progress with your money? Get tickets to Total Money Makeover Weekend today.
• 
  
• Get George’s new book, Breaking Free From Broke.
• 
  
• Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.
• 
  
• Do you have a Guilty As Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.
• 
  

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This Week’s Happy Hour Special: New York Sour

Ingredients:

• 2 ounces bourbon
• 1 ounce lemon juice
• 1/2 ounce simple syrup
• 1 egg white
• 2 dashes angostura bitters
• 1/2 ounce claret wine

Instructions: Add the bourbon, lemon juice, simple syrup and egg white into a shaker with ice. Shake it vigorously until it's chilled. Then strain the mixture into a rocks glass over fresh ice. Slowly pour the claret wine over the back of a bar spoon so the wine floats on top of the drink. Voilà! Sip your sour in New York style.

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Do you shop like the cool kids? Join Rachel and George for a breakdown on the brands and stores American teens loved in 2023 and the cash app they used to pay for it all. (Caution: This episode contains high levels of nostalgia. Side effects may include sudden reminiscing and an overwhelming urge to say, “Back in my day . . .”)

In this episode:

·   What the average teen spends $200 a month on

·     Rachel explains physical cash to teenagers and why it’s better than digital

·     The biggest money trap teens are falling for and how to help your kids avoid them

Resources:  

·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.

·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

·     Learn more about your ad choices: https://www.megaphone.fm/adchoices

·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy

This Week’s Happy Hour Special: Spicy Pineapple Ginger Mocktail

Recipe by Ramona Cruz-Peters at FabEveryday

Ingredients:

·     Ice, for shaker and for glass

·     3 ounces pineapple juice, plus more for rimming

·     1 ounce agave nectar

·     1/2 teaspoon chili powder

·     Ginger beer, chilled (for top off)

·     Tajin seasoning, for rimming

·     Small pineapple wedge, for garnish (optional)

·     Whole Thai chili pepper or thinly sliced jalapeno, for garnish (optional)

Instructions:

Add 3 ounces pineapple juice, agave nectar, and chili powder to a cocktail shaker filled with ice. Cover and shake until the ingredients are well mixed and chilled.

Place additional pineapple juice on a small saucer or plate. Place the Tajin seasoning on a separate small plate. Dip the rim of a rocks glass in the pineapple juice, followed by the Tajin to coat the rim.

Pour ice into the glass, then pour the pineapple mixture over the ice. Top off with ginger beer.

If desired, garnish with a small wedge of pineapple and a chili pepper (or a few slices of jalapeno).

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Think you’ll never make it to $1 million? Think again! This week, George and Rachel break down the proven path to this iconic financial milestone and bust some myths about the lifestyles that everyday millionaires (like themselves) actually live. Listen in to learn how you can get one step closer to millionaire status in 2024!

In this episode:

·     One of the most epic moments in 1990s game show history

·     The top five (surprisingly normal) careers of millionaires in the U.S.

·     The exact steps both Rachel and George took to become net-worth millionaires

Resources:  

·     Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.

·     Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

·     Preorder George’s new book, Breaking Free From Broke, today!

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·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy

This Week’s Happy Hour Special: Kir Royale

Ingredients:

·     4 ounces champagne

·     1 ounce of crème de cassis

·     3 raspberries

Instructions: Add the crème de cassis to a champagne flute and then top with the champagne. Skewer the raspberries on a toothpick to garnish (or keep it simple and just drop them in your glass). Enjoy! 🥂

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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!

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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!

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·     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!

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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!

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·     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!

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Have more money and less stress! Preorder Breaking Free From Broke for just $20 and get $100 of bonus items! But hurry—this limited time offer ends 1/15/2024.

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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!

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·     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.

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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

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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.

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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.

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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!

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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.

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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.

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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!

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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.

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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.

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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!

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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!

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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!

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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. 🍊

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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.

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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!

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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. 🍉

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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.

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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

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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! 💖

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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.

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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. 🍊

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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.

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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!

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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!

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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.

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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! 

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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! 🍒

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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! 

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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!

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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!

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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!

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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! ⚡️

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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!

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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!

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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!

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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