Playing Devil’s Advocate Against Our Own Money Advice

Smart Money Happy Hour with Rachel Cruze and George Kamel

Ramsey Network

Business

4.8 • 3.2K Ratings

🗓️ 11 December 2025

⏱️ 52 minutes

🔗️ Recording | iTunes | RSS

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Summary

📕 Grab George Kamel’s book, Breaking Free from Broke. Sometimes, you’ve got to entertain the haters and put your own teachings to the test. Today, we’re taking turns playing devil’s advocate against our own financial advice—tune in and let us know how we did in the comments! Next Steps: 🎙️ Catch our episode We Dedicated an Entire Episode to Respond to the Haters. 🍸 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. 💵 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: 🍹 Bourbon Milk Punch Recipe from Liquour.com 2 ounces bourbon 3 ounces whole milk 1 ounce simple syrup 2 dashes vanilla extract Garnish: nutmeg, freshly grated Instructions: Add bourbon, whole milk, simple syrup and vanilla extract into a shaker with ice and shake until well-chilled. Strain into a rocks glass, and garnish with freshly grated nutmeg. 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	Today we're flirting with the dark side of personal finance.
0:08.1	Let's play devil's advocate with some controversial money topics.
0:11.1	I'm out here defending Rachel.
0:12.8	I want to win one of these.
0:14.4	I feel like you're a...
0:15.6	I'm a trial lawyer.
0:16.8	I'm trying to think of a time you would break the law, but then not know you broke the law.
0:21.7	That was me.
0:27.8	Hey guys, I'm Rachel Cruz.
0:29.5	I'm George Camel.
0:33.2	And this is Smart Money Happy Hour. Cheers, George.
0:39.7	Cheers.
0:41.4	To milk.
0:43.4	May she live forever.
0:46.0	It always be part of our story.
0:47.8	Shout out to Big Dairy.
0:49.0	You know, I'm not mad at it.
0:51.2	Okay.
0:52.1	This is the show where two friends who have any money experts talk about what you're talking about. So everything from pop culture, current events, and money. But first, let's talk about milk. We're sipping on milk. No, stop. Technically, it's a bourbon milk punch. Okay. If that makes it sound any better. It does. A little eggnog. It's like a little bit of a...
1:11.3	It's a holiday.
1:12.6	I think there's the nutbags on top, right?
1:14.8	Yellow nutmeg shape on there?
	...

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