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Smart Money Happy Hour with Rachel Cruze and George Kamel

Subtle Habits That Reveal a Quiet Millionaire

Smart Money Happy Hour with Rachel Cruze and George Kamel

Ramsey Network

Business

4.83.2K Ratings

🗓️ 26 February 2026

⏱️ 47 minutes

🧾️ Download transcript

Summary

📈 Plan and save for the future with Ramsey’s Complete Guide to Investing.   Good manners, simple style, old-school investing—today we’re unpacking subtle “quiet millionaire” habits and teaching you how to build wealth the right way.   Next Steps: 🎙️ Catch our episode Things That Scream “I’m Pretending to Be Upper Class”. 🍸 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. 💻 Figure out your next financial move with Ramsey’s Get Started Assessment.   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: 🍹 Apple Ginger Fizz Mocktail Recipe from The Mindful Mocktail 3 ounces still apple cider 1 ounce freshly squeezed lime juice 6 mint leaves 1 teaspoon apple cider vinegar Pinch powdered cinnamon  3 ounces ginger ale Instructions: Place apple cider, lime juice, cinnamon, apple cider vinegar and a few ice cubes into a cocktail shaker. Clap the mint together in your hands to release the scent, and add to the shaker. Shake for about 20–30 seconds until ingredients are combined. Pour into an ice-filled glass and top with ginger ale. Stir gently, garnish with mint, and serve.   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

Does Flashy always equal wealthy?

0:08.0

Today we're going to tell you how to spot a quiet millionaire.

0:11.0

My next purchase for a midlife crisis, I have two.

0:14.0

I don't know who invented Roman Shades, but they think very highly of themselves.

0:18.0

I'm going to just throw this in there, and then we're going to end the episode.

0:20.0

The loudest, obnoxious money play right now on Instagram.

0:29.0

Hey guys, I'm Rachel Cruz.

0:30.8

I'm George Camel.

0:32.6

And this is Smart Money Happy Hour.

0:40.8

What's falling out? Smart Money Happy Hour. Let's fall in a glass.

0:42.2

That's really nice.

0:42.7

Or actually, is it summer?

0:44.4

What season are we in?

0:45.9

I don't know, but it's delicious.

0:47.2

I'll never tell.

0:48.0

Well, this is the show.

0:48.9

We're two friends who happen to be money experts.

0:50.9

Talk about what you're talking about.

0:52.8

Everything from pop culture, current events, and money. And gather the children round, because we have a mocktail today that we're sipping on. This is the Apple Ginger Fizz Mocktail, and we're going to give you the rating and reveal the cost per glass at the end of the episode. But let me just say, I got the purple straw. Rachel got a green straw. I don't know if that was intentional, but let me tell you, I'm very secure.

2:20.5

It doesn't matter. You feel great about the color straw. It doesn't matter. You know, it can go both ways, George. I just don't look good in a purple. It's not a color I would choose for me. Yeah, I would say that. You did your colors, though, didn't you? I didn't do my color. Someone projected what season I am or whatever it's called. What's that called? Yeah, the color wheel or the analysis. There's a color analysis. I think it's like an MLM now. You can go to like a party. Oh my gosh. But I'm good. But purple was not part of yours. Not my color. Okay. Well, George, the Internet loves to come up with new phrases when it comes to wealth. Yes. We've heard of subtle wealth. Yes. But now we have old money aesthetic. That's a whole genre. Uh-huh. Stealth wealth. Yes. I like that one because it rhymes. You got quiet luxury. That's a good one. Okay, the old money aesthetic. Is that what you're saying? Yeah. Okay. This is a trend. Do you know this? Via Instagram, my algorithm is showing me, the interior design, like style now is going back to, I don't know what decade. I don't want to say 80s,

2:24.3

but like kind of late 80s, early 90s, kind of that farmhouse, like they're doing colors and patterns where it used to be like just white and gray. Getting away from the sort of minimalist

2:29.3

sad. Yes, they are coming back around to like warm paintings and like patterns on furniture and all of it.

...

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