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Smart Money Happy Hour with Rachel Cruze and George Kamel

Baby Q&A: Costs, Essentials and Honest Advice

Smart Money Happy Hour with Rachel Cruze and George Kamel

Ramsey Network

Business

4.92.8K Ratings

🗓️ 14 August 2025

⏱️ 49 minutes

🧾️ Download transcript

Summary

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

Transcript

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0:00.0

Is there ever a right time to have a baby financially?

0:08.3

Today we're getting real about a question that many couples and young families are asking.

0:12.6

This is where it gets practical.

0:14.0

And this is where I spend money.

0:15.3

Like they are adamant that you go visit people in the hospital.

0:18.0

Boomers feel entitled to seeing this newborn.

0:20.2

If I can be a dad, anyone can be a dad.

0:27.0

Hey guys, I'm Rachel Cruz.

0:29.0

I'm George Camel.

0:30.7

And this is Smart Money Happy Hour.

0:38.8

Cheers, George.

0:39.9

Cheers.

0:42.8

To the babies.

0:44.5

To the babies.

0:45.7

Well, this is the show where two friends who have to be money experts talk about what you're talking about.

0:50.2

So everything from pop culture, current events, and money.

0:52.8

And before we get into it, let's talk about what we're sipping on. Today, it's the bourbon orange. Yeah, it's light. To be a bourbon drink already, I can feel it's not too heavy. It's borderline refreshing. Stick around to the end. We're going to give you our rating and reveal the cost per glass. Okay, Rachel, having kids do be expensive. As they say. It is expensive. From start to finish. And you're adding on, George. I just keep piling on. I mean, number two. Yeah. Coming soon. In a few weeks, if you're watching and listening to this, I'm on Baby Watch coming up here. I know. How are you feeling? How's everything? I think because we're also, like, moving, we just decided to do the most at one time. You know, we did that too. Isn't that how it goes? Not to make this about me. No, please, tell me your experience. No, no. But it is. I'm like, life happens like that. I don't know why it piles on, but it does. Obviously, obviously harder on the mom, the person who is pregnant while doing all of this.

1:44.3

Sure, yes.

1:44.8

Or postpartum.

1:45.7

Yes.

1:46.1

Yes, for sure.

1:47.0

How's Whitney feeling? She's, you know, third trimester. Yes. It's where it's like, it was kind of fun. And now you're like, okay, now back to not being the most fun. Now I'm ready to have a baby in my arms, not in my belly. Yeah, I get that for sure.

...

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