Reacting to: “If I Can’t Buy a Home, Why Don’t I Just Be Gorgeous?”

Smart Money Happy Hour with Rachel Cruze and George Kamel

Ramsey Network

Business

4.8 • 3.2K Ratings

🗓️ 19 March 2026

⏱️ 36 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study! If you’re an exhausted millennial wondering if buying a home is a lost cause, we get it—and we’ve got you. Today, we’re unpacking common home-buying frustrations and real estate woes. Spoiler alert: Yes, it’s still possible! Next Steps: 🎙️ Catch our episode How to Financially Survive Every Season of Life 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 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. 🏠 Your free, step-by-step course to buying a house that fits your budget. 💻 See how much house you can afford with the Mortgage Calculator. 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: 🍹 Basil & Lillet Spritz Recipe by Emily Laurae 1 ounce Lillet 4–5 basil leaves 4 ounces sparkling wine Instructions: In a shaker, combine Lillet and basil leaves and shake with ice for 30 seconds. Strain into a glass filled with ice. Top with sparkling wine and garnish with a basil leaf before serving. 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

Click on a timestamp to play from that location

0:00.0	Hey guys, Rachel Cruz here. Listen, we need your help. We have a survey coming out around Smart Money Happy Hour, and we want to make this show even better in 2026, but it's up to you to help us.
0:11.4	So here's how you help us. Text the word smart to this number, 33789, or go to ramsysolutions.com slash smart to take the survey. And no pressure, but we need to beat a world record here.
0:23.4	So take it, ASAP.
0:25.3	Please help us out.
0:26.0	And you could win a $100 Amazon gift card.
0:28.7	Who knows?
0:29.4	If you want to help us out and get a chance to win an Amazon gift card while you're at it,
0:32.9	go take it.
0:33.6	The survey closes April 10th, so time is of the essence.
0:42.8	Thank you. The survey closes April 10th, so time is of the essence. This one goes out to anyone who feels like owning a home is a lost cause at this point.
0:47.6	Chin up, millennial soldiers, we've got you.
0:49.9	I can start a fire in our fireplace.
0:52.8	Isn't it just like baby Jenga?
0:54.6	Are you guilty of overpaying for anything as a homeowner?
0:58.7	Well, that's a loaded question.
1:04.8	Hey guys, I'm Rachel Cruz.
1:06.7	I'm George Camel.
1:08.7	And this is Smart Money Happy Hour.
1:12.7	Cheers.
1:13.4	Cheers.
1:17.1	Hey guys, this is the show.
1:18.6	We're two friends who have to be many experts.
	...

Please login to see the full transcript.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Ramsey Network, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Ramsey Network and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.