How to Financially Survive Every Season of Life

Smart Money Happy Hour with Rachel Cruze and George Kamel

Ramsey Network

Business

4.9 • 2.8K Ratings

🗓️ 20 November 2025

⏱️ 45 minutes

🔗️ Recording | iTunes | RSS

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Summary

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. Different phases of life call for different financial priorities (and different strategic habits to help you get there). Today, we’re explaining what to do with your money to help you reach your goals in every season. Next Steps: 🎥 Watch our video How Does Your Net Worth Compare to the Average American. 🍸 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. 📺 Watch Borrowed Future to learn how student loans are killing the American Dream. 📚 Learn to build wealth with America’s #1 personal finance class, Financial Peace University. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS credit union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Hillstone Crisp Martini Recipe from @madisieli on Instagram 1 1/2 ounces vodka (or gin) 1 ounce elderflower liqueur Juice of 1/2 lemon Splash of sauvignon blanc Instructions: Combine vodka, elderflower liqueur and lemon juice into a shaker filled with ice. Shake well, pour into a frosted martini glass, top with a splash of sauvignon blanc, and enjoy! 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	Well, we're knee-deep in football season.
0:07.3	Maybe you're entering cuffing season.
0:09.3	And no matter what season of life you're in, we've got some money advice for you.
0:13.4	And you know what?
0:13.9	I'm going to say, I think sometimes in the present is miserable.
0:16.9	I was on my e-pray-love journey.
0:18.3	I had to find myself.
0:20.4	And I'm Southern now.
0:22.1	When I'm 65, do you know how bougie I'm going to be?
0:25.2	You're going to be Cruella DeVille, minus the dog situation.
0:33.8	Hi, guys, I'm Rachel Cruz.
0:35.7	I'm George Camel.
0:37.5	And this is Smart Money Happy Hour.
0:41.7	Cheers, George.
0:42.7	Cheers.
0:45.9	We're celebrating every season of life today.
0:47.9	Every season of life.
0:48.8	Yes.
0:49.1	Well, this is the show where two friends who have new money experts talk about, which
0:52.5	you're talking about, everything from pop culture, current events, and money.
0:55.9	And before we get to the content you all came here for, let's talk about what we're sipping
0:59.3	on. It is a Hillstone Crisp Martini. What an apt name. It's really delightful.
	...

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