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Smart Money Happy Hour with Rachel Cruze and George Kamel

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

4.83.2K Ratings

🗓️ 19 March 2026

⏱️ 36 minutes

🧾️ 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

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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.

...

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