Are These Social Obligations Worth the Money?

Smart Money Happy Hour with Rachel Cruze and George Kamel

Ramsey Network

Business

4.8 • 3.2K Ratings

🗓️ 22 January 2026

⏱️ 52 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

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

Transcript

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0:00.0	If you've ever not wanted to attend another gender reveal and you feel like a terrible person for it, this is your safe space.
0:10.9	Today we're talking about social expenses. We all dread.
0:13.9	I think this is your, like, perfect episode.
0:16.5	Okay, this is petty. But if they dipped out on my birthday dinner, I dip out on their birthday dinner.
0:21.6	This one might be the most dreaded.
0:23.0	I think we saved it for last four years.
0:24.4	How are we feeling about that?
0:30.1	Hey guys, I'm Rachel Cruz.
0:32.1	I'm George Camel.
0:33.8	And this is Smart Money Happy Hour.
0:46.5	Well, this is the show where two friends who happen to be money experts talk about what you're talking about.
0:49.0	So everything from pop culture, current events, and money.
0:58.4	Before we get to the content of the day, we're going to sip on a smoked rosemary, nagroney sour. It's delicious. That's a lot of words for a lot of flavor. That's a lot of names. So stick around till the end. We're going to give you our rating and reveal the cost
1:01.9	per glass. Yep. Um, okay, George, I feel like there's nothing worse than feeling like you
1:08.0	have to spend money on something that you really don't want to go to
1:12.5	where you're like, oh my gosh, my social energy, my financial energy, everything's going to this thing.
1:18.5	It's all gone. And when you start mapping it out, there's a lot of these things in life, it feels like.
1:22.6	Yeah, as we made this list, I felt the cortisol levels rise.
1:26.3	Go up, yes. Because even if you're in a great place with
1:29.1	money, I just hate feeling like this event on my calendar is going to cost me something. I know.
1:34.4	Socially, financially, emotionally, mentally, especially depending on what it is and who I will
1:39.5	be with. Yes. The people you're around really dictate what's going to happen. Yeah, you get sucked
	...

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