Smart Money Happy Hour with Rachel Cruze and George Kamel

💵 Enter to win $5,000 with Ramsey’s cash giveaway.   From Friends to The Office, Hollywood tends to bend reality when it comes to portraying personal finance. Here’s what your favorite TV shows get right and wrong about money.   Next Steps: 🍸 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 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Amaretto Sour Recipe from Liquor.com 1 1/2 ounces amaretto 3/4 ounce bourbon 1 ounce lemon juice 1 teaspoon simple syrup 1/2 ounce egg whites   Instructions: Add all ingredients into a shaker and dry shake (no ice) for 15 seconds. Add ice to shaker and shake again until chilled. Strain into glass over ice 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

Transcribed - Published: 27 November 2025

💰 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

Transcribed - Published: 20 November 2025

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz.   You’ve watched her successful comedy career unfold over the last two decades, and today you get to laugh through an entire podcast episode with her. Anjelah Johnson-Reyes unpacks everything from Bon Qui Qui to motherhood to money habits.   Next Steps:🎥 Watch our video How Matt and Abby Went From Broke College Kids to “Unplanned” Influencers 🍸 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 budget and track expenses with EveryDollar. 🤳 Follow Anjelah Johnson-Reyes and her podcast Funjelah on Instagram!   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: 🍹 Margarita Mocktail Recipe: Gimme Some Oven   1 1/2 ounces freshly squeezed lime juice 1 ounce freshly squeezed orange juice 1–2 tablespoons agave nectar 1/3 cup sparkling water or club soda Coarse sea salt, for rimming Extra lime slice, for garnish   Instructions: Cut a small notch in a lime wedge and run it around the rim of the glass. Dip the rim in a small plate of salt. Add the lime juice, orange juice, agave nectar and ice to the serving glass and stir vigorously for 15 seconds to combine. Top with sparkling water and garnish with an extra lime slice. Serve immediately 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

Transcribed - Published: 13 November 2025

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz.  Money is an art and a science. Today, George and Rachel are unpacking financial statistics and gender stereotypes around spending. Oh, and they do it while painting portraits of each other—you don’t want to miss this. Next Steps: 🎥 Watch our video Men vs. Women: Who Handles Money Better? 🍸 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 budget and track expenses with EveryDollar. Check out Ramsey’s Complete Guide to Investing.  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 Carajillo Recipe: The G&M Kitchen   1 1/2 ounces espresso 1 ounce bourbon   1 ounce Licor 43 2–4 dashes angostura bitters 1 orange slice  Instructions: Start by brewing the espresso. Then add 1 1/2 ounces of espresso (1 shot), 1 ounce of Licor 43, 1 ounce of bourbon, and 1 dash of bitters to a cocktail shaker with ice. Shake for 30 seconds, then strain into a glass with ice. Garnish with an orange slice and espresso beans, 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

Transcribed - Published: 6 November 2025

💸 Uncover extra cash in your budget with the Money Finder Challenge.   When building wealth feels extra challenging, it’s easy to get caught up pointing fingers at the wrong bad guy. Today, George and Rachel are exposing the real villains of the financial industry—with a fun Disney twist.   Next Steps: 🎥 Watch our video Reacting to the Wildest “Am I the Jerk?” Reddit Threads. 🍸 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 budget and track expenses 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: 🍷 Witch’s Elixir Mocktail Recipe: @themindfulmocktail 4–5 blackberries, plus more garnish if you wish 1/2 cup berry or ginger kombucha (or your sparkling beverage of choice) 1 ounce lemon juice 3 ounces chilled butterfly pea tea Optional: a little maple syrup, agave or your sweetener of choice   Instructions: Muddle the blackberries in your glass with sweetener of your choice. Add ice to the brim, then kombucha. Slowly pour in half of the butterfly pea tea, then the lemon juice. Give it a stir, then top with the remaining butterfly pea tea to create a layered effect. Garnish with blackberries 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

Transcribed - Published: 30 October 2025

💸 Uncover extra cash in your budget with the free Money Finder.   You can’t take it with you when you go . . . but you can leave your loved ones stuck in a financial hot mess. Here’s what really happens to your money after you pass, and what you should do today to prevent money mayhem down the road.    Next Steps: 🎥 Watch our video Stirring the Pot With These Off-Limit Topics. 🍸 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 budget and track expenses with EveryDollar. 💼 Get your finances in order with our Estate Planning Guide.   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: 🍹Night King Recipe: @SpeakEasierUK  1 ounce lemon juice 1/2 ounce blue curacao 1/2 ounce crème de cacao 2 ounces pisco 1 egg white  Instructions: Combine all ingredients into a cocktail shaker filled with ice. Shake and pour into a glass over ice 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

Transcribed - Published: 23 October 2025

💸 Uncover extra cash in your budget with the 24-Hour Money Finder Challenge.  Find some pearls to clutch because we’re talking religion and money. Today, we’re looking at beliefs and practices around finances in the world’s major religions.   Next Steps: 🎥 Watch our video Unique Money Traditions You Won’t Find in the U.S. 🍸 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 budget and track expenses 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: 🍹 Freezer Door Tart Cherry Margaritas Recipe: @servedbysammy 2 cups blanco tequila 1 cup tart cherry juice 1 cup lime juice 1/4–1/2 cup agave nectar (depending on how sweet you like it)  Instructions: Combine all ingredients into a shaker filled with ice and shake—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

Transcribed - Published: 16 October 2025

💸 Uncover extra cash in your budget with the Money Finder Challenge. https://ter.li/sxaau7   Is one generation building wealth better than the rest? Or are we all financially “cringe” in our own way? From Gen Z to boomers to millennials and their Gen X parents—today, we’re calling everybody out, and you don’t want to miss the fun.   Next Steps: 🎥 Watch our video Is Gen Z Financially Doomed? Let’s Talk About It 🍸 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 budget and track expenses 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: 🍹 Blackberry Vanilla Mocktail Recipe: Yummi Haus   1/3 cup blackberries 1 ounce lemon juice 1/4 tsp vanilla extract 1/2 tbsp raw honey 1 can ginger ale   Instructions: Combine blackberries, lemon juice, vanilla and honey with a splash of ginger ale in a shaker and muddle. Pour through a strainer into glasses filled with ice. Fill remainder of glass with ginger ale, garnish with additional blackberries or lemon wedge, 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

Transcribed - Published: 9 October 2025

💸 Uncover extra cash in your budget with the Money Finder Challenge. https://ter.li/sxaau7   Ever have a major disagreement about money with the people closest to you? Today, we’re checking our voice mail and sharing hot takes on your friends and family.   Next Steps: 🎥 Watch our video Settling the Debate on Your Financial Faux Pas (We’re Divided). 🍸 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 budget and track expenses 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: 🍹 Army & Navy Recipe: Liquour.com   2 ounces London dry gin 1 ounce lemon juice 3/4 ounce orgeat 1 dash Angostura bitters Grapefruit twist   Instructions: Add all ingredients into a shaker with ice and shake until well-chilled. Strain into chilled coupe glass. Garnish with grapefruit twist.     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

Transcribed - Published: 2 October 2025

💸 Want to see how fast you can pay off your house? Use our FREE Mortgage Payoff Calculator.   Matt and Abby from The Unplanned Podcast join Rachel and George to reminisce on early married life working the Ramsey plan, dancing through their pandemic TikTok success and so much more.   Next Steps: 🎥 Watch our video Baby Q&A: Costs, Essentials and Honest Advice. 🍸 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 budget and track expenses 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: 🥃 Moscow Mule Mocktail Recipe: Mallory the Dietician   1/2 cup light ginger beer 1/4 cup sparkling water or soda water 2 tablespoons lime juice 1 teaspoon fresh mint, muddled Ice cubes   Instructions: Pour the ginger beer, squeeze of lime juice, and sparkling water or soda water in a glass over ice and give it a good stir. Garnish with a slice of lime and fresh mint 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

Transcribed - Published: 25 September 2025

💸 Want to see how fast you can pay off your house? Use our FREE Mortgage Payoff Calculator.   Claire’s, Sbarro, Great American Cookies—can we go back to ’90s mall culture? In today’s episode, George and Rachel are taking a nostalgic trip down memory lane to weigh the pros and cons of shopping in 2005 vs. 2025.   Next Steps: 🎥 Watch our video What Today’s Teens Are Buying (vs. Us 20 Years Ago) . 🍸 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 budget and track expenses 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: 🍹 Enzoni Recipe: @deadendwest    1 ounce gin 1 ounce Campari 1/2 ounce simple syrup 3/4 ounce lemon juice 5 grapes   Instructions: Add ingredients to a shaking tin. Muddle grapes. Add ice and shake. Fine strain into rocks glass of ice. Garnish with a grape.   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

Transcribed - Published: 18 September 2025

💪🏼 Which side hustle is right for you? Get personalized recommendations with this Side Hustle Quiz.   When you think you’re slaying the personal finance game by following the latest money trend . . . but you’re really just taking one step forward and two steps back—no more! Today, George and Rachel are explaining why these common financial habits will make you broke, average or wealthy.   Next Steps: 🎥 Watch our video Habits Wasting Your Time (and Money) in 2024. 🍸 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.  💵 Sign up for EveryDollar today to create a free budget.   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: 🍋‍🟩 Cucumber Lime Mocktail Recipe: Vibrant Plate ·        1 large cucumber ·        1 cup of water ·        2 limes ·        3 tablespoons mint leaves ·        2 tablespoons maple syrup ·        Pinch of salt ·        1 cup carbonated mineral water ·        2 cups of ice cubes (or more as needed)   Instructions: Peel and dice one large cucumber, then add to a high-speed blender. To the blender, add one cup of water, the juice of two limes, three tablespoons of mint leaves, two tablespoons of maple syrup, and a pinch of salt. Blend until smooth. Strain the cucumber juice through a fine strainer or cheesecloth into a jar. To the jar, add one cup carbonated mineral water and two cups of ice cubes (you can add more ice cubes if you like). Serve in glasses with ice cubes. For decoration, you can add some cucumber slices, a lime wedge and some more mint.    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

Transcribed - Published: 11 September 2025

📈 Are you making these four common investing mistakes? Get our free Investing Guide and find out.   Is it actually possible to plan a quality date night at any budget level? In this episode, you’re going to find out! George and Rachel are looking at real-life, real-budget scenarios and creating fun date nights on the spot.   Next Steps: 🎥 Watch our video Men vs. Women: Who Handles Money Better? 🍸 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.  💵 Sign up for EveryDollar today to create a free budget.   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: 🍹 Ragg’s Rye-Tai Recipe: Gastrohub ·        3/4 ounce lemon juice ·        3/4 ounce pineapple juice ·        1/2 ounce orgeat ·        1/2 ounce amaretto ·        2 ounces Elijah Craig rye whiskey   Instructions: Add all ingredients to a tin, and whip shake. Pour drink into glass, then add a GENEROUS amount of crushed/pebble ice until it’s pouring over. Add a couple dashes of angostura bitters to the top of the ice mountain. Garnish with some clean pineapple leaves and a pineapple chunk and cheers!   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

Transcribed - Published: 4 September 2025

📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out.   We’ve got a doctor in the house today, friends. In this episode, mental health expert Dr. John Delony gives Rachel and George some financial therapy, plus shares his hot takes on your money and relationship questions.   Next Steps:  🛒 Check out John Delony’s Questions for Humans: Friends Second Edition. 🎥 Watch our video Spilling the Financial Tea With Our Better Halves. 🍸 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[JS1]  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.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Alice From Dallas  Recipe from Difford’s Guide: 1/2 ounce Galliano Espresso coffee liqueur 1/2 ounce Grand Marnier or other cognac orange liqueur 1/2 ounce Patrón Reposado tequila   Instructions: Select a shot glass. Refrigerate ingredients. Once chilled, layer in a chilled glass by carefully pouring ingredients in the order listed. 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

Transcribed - Published: 28 August 2025

📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out. Justin Baldoni and Blake Lively, McDonald’s hot coffee, Gwyneth Paltrow on the slopes—we’re breaking down the most infamous (and expensive) lawsuits in pop culture history. After running the numbers, were they really worth the cost? Tune in to find out!   Next Steps: 🛡️ Find financial services you can count on with RamseyTrusted® 🎥 Watch our video Money Motives Hidden in Shocking True Crime Stories. 🍸 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.  💵 The simplest way to budget. Download the EveryDollar app for free!  Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Paloma Mocktail Recipe: The Wooden Skillet 1 grapefruit, juiced 1/2 blood orange, juiced 1 tablespoon fresh lime juice 1/4 cup club soda 2 sprigs fresh thyme   Kosher salt   Instructions: Use the grapefruit or blood orange to rub the rim of the glass. Pour kosher salt on a plate and turn the glass upside down to turn the glass rim in the salt. Add grapefruit juice, orange juice, lime juice, and club soda to a lowball glass. Add as much ice as desired. Garnish with fresh thyme and/or grapefruit slice.    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

Transcribed - Published: 21 August 2025

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan. Is there ever a financially “right” time to have a baby? In this episode, Rachel and George answer your biggest money questions about starting a family and raising kids—so you know what to expect when you’re expecting. Next Steps: 🎥 Watch our video Putting Our Financial Knowledge to the Test (With Special Guests!). 🍸 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.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: The Bourbon Orange 🍊 Recipe: @muddlenmix 2 ounces bourbon 1 ounce fresh Sumo Citrus juice 1/2 ounce orange liqueur 1/2 ounce simple syrup 2–3 dashes orange bitters 1–3 ounces soda water Ingredients: To your cocktail shaker, add bourbon, fresh Sumo Citrus juice, orange liqueur, orange bitters and simple syrup and ice. Shake well to incorporate flavors and chill the cocktail. Add ice to rocks glass and strain shaken cocktail over fresh ice. Top with soda water. 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

Transcribed - Published: 14 August 2025

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan.   You can’t judge a book by its cover, but can you judge someone’s ability to build wealth by their financial habits? In today’s episode, Rachel Cruze and George Kamel are waving their red flags at things that scream, “I’m bad with money.”   Next Steps: 🎥 Watch our video How to Spot “Beige Flags” in Money and Relationships. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 The simplest way to budget. Download the EveryDollar app for free!  Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special:🍹Easy Watermelon Margarita • 4 cups frozen watermelon • 1/2 cup tequila • 1/4 cup triple sec• 1/3 cup fresh lime juice • 2 tablespoons honey • 1 cup ice   Instructions: Cut up your watermelon and freeze it on a baking sheet for at least six hours. Add watermelon, tequila, triple sec, lime juice, honey and ice to a blender. Blend until completely smooth. Pour into salted rim glass and serve with lime. 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

Transcribed - Published: 7 August 2025

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan. Today we’re answering your real-life money questions! In this episode, Rachel and George listen to your voicemails and share their hot takes on everything from wedding expenses to kids’ braces. Next Steps: 🎥 Watch our video Responding to Your Complicated Money Situations (Our Two Cents). 🍸 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.[JR1]  💵 The simplest way to budget. Download the EveryDollar app for free!  Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: ☘️ Irish Maid Recipe: @anatomyofadrink  2 ounces Irish whiskey 1/2 ounce elderflower liqueur 3/4 ounce lemon juice 1/2 ounce simple syrup 2 cucumber slices Instructions: Add all ingredients to shaker tin, add ice and shake until chilled. Fine strain into a glass over fresh ice and garnish with a cucumber slice. 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

Transcribed - Published: 31 July 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. Does your current net worth feel like a power move or a bad punch line? In this episode, Rachel and George break down how what you’ve got compares to the average American by age and why it matters for your future. Next Steps: 🎥 Watch our video Do We Have It Harder Financially Than Our Parents? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Banana Old-Fashioned Recipe: @parttimemixologist 2 ounces bourbon 1/4 ounce banana syrup 3–4 dashes black walnut bitters Instructions: Add all ingredients to a glass with ice and stir.   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

Transcribed - Published: 24 July 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. Is it harder for Gen Z to get ahead with money compared to other generations? In this episode, Rachel and George break down what’s working for and against them—plus answer Gen Z’s biggest questions about how to win financially. Next Steps:  🎥 Watch our video Dave Ramsey Answers Your Most-Asked Questions. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Strawberry Mint Mojito Mocktail Recipe: Soda Sense  3 strawberries 16 mint leaves 0.75 ounce lime juice  2 ounces sparkling water   Instructions: Grab a rocks glass and fill it with strawberries and mint. Begin lightly muddling your two ingredients together until fully incorporated. Next, add lime juice, fill the glass with ice, and top your drink off with sparkling water. To incorporate the ingredients more, lightly mix in an upward direction. Garnish with lime wheels and strawberries.   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

Transcribed - Published: 17 July 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Anyone else feel like being middle class is making a comeback? In this episode, Rachel and George talk through why this is happening, plus invite you to play along as they react to the internet’s favorite “middle-class luxuries.” Next Steps:     🎥 Watch our video 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! 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.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Hot Honey Strawberry Bourbon Smash Recipe: The G and M Kitchen 1 1/2 ounces bourbon 3 fresh sliced strawberries 1/2 ounce hot honey 2 basil leaves Instructions: Add the sliced strawberries and two basil leaves to a rocks glass. Top with 1/4–1/2 ounce of hot honey. Thoroughly muddle so that the strawberries are almost all liquid. Top with 1 1/2 ounces bourbon and ice and stir well. Stir thoroughly so that the muddled strawberries are well distributed and do not stay at the bottom of the glass. Garnish with fresh strawberries and more basil.   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

Transcribed - Published: 10 July 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. Ever wonder how we went from using gold coins to dollar bills? In this episode, Rachel and George celebrate America’s birthday by unpacking the wild history of U.S. currency and testing your knowledge with some fun American money trivia. Next Steps: 🎥 Watch our video Unique Money Traditions You Won’t Find in the U.S. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Broad Stripes and Bright Stars Recipe: Social and Cocktail 1/2 ounce absinthe 2 ounces blueberry vodka 1/2 ounce simple syrup 1/4 ounce lemon juice 1/4 ounce raspberry liqueur 2 ounces ginger beer 3 blueberries 1 sugar cube Instructions: Muddle fresh blueberries and add syrup, absinthe, juice and vodka. Add ice and shake and pour into highball glass. Drizzle liqueur and top with ginger beer. Garnish with one sugar cube. 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

Transcribed - Published: 3 July 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Is starting an online fundraiser for yourself so you can go to Yoga Teacher Training really cringy or kind of genius? In this episode, Rachel and George react to the wildest GoFundMe campaigns out there. Plus, find out why giving is actually the most fun you’ll have with money.   Next Steps: 🎥 Watch our video Dupes, Counterfeits, Scams, Oh My! Is Anyone Safe? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 The simplest way to budget. Download the EveryDollar app for free!    Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: Love Gun 🥃Recipe: @anatomyofadrink 2 ounces light rum 3/4 ounce lemon juice 1/2 ounce raspberry syrup 1/2 simple syrup 1/4 St. Elizabeth Allspice Dram 1 1/2 ounce club soda   Instructions: Add all ingredients to shaker tin, add ice and shake until chilled. Strain into a glass over a large ice cube and top with club soda.   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

Transcribed - Published: 26 June 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Inflation is real right now . . . but we do have some things going for us. In this episode, Rachel and George reveal which things are cheaper now than they used to be, plus which purchases you can make that hold their value. Next Steps: 🎥 Watch our video What Will It Cost to Live in 40 Years? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Godfather Recipe: @moodycocktails  1 ounce amaretto 1 ounce scotch 3 dashes Angostura bitters Instructions: Pour all ingredients into an old-fashioned glass filled with ice cubes. Stir gently.   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

Transcribed - Published: 19 June 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Swapping sparklers for potato flakes for a budget-friendly wedding send-off might seem smart—until you end up covered in mashed potato. In this episode, Rachel and George react to real “frugal wedding fails” and share their take on what’s actually worth the money when planning your big day.   Next Steps: 🎥 Watch our video Spilling the Financial Tea With Our Better Halves. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! 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. 💵 The simplest way to budget. Download the EveryDollar app for free!    Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Aperol Tequila Sour Recipe: @cocktails 1 1/2 ounces tequila  1/2 ounce Aperol 1/2 ounce strawberry syrup 3/4 ounce lemon juice 1 egg white 3 dashes Angostura bitters    Instructions: Add all ingredients to a shaker. Shake without ice and then shake again with ice. Double strain over ice and add dashes of bitters.    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

Transcribed - Published: 12 June 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Could your guilty pleasures—like fancy water or a fresh manicure appointment—actually be keeping you broke? Find out in this episode as Rachel and George reveal their own “guilty pleasure” purchases, plus react to some of yours.    Next Steps: 🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 The King’s Shilling Recipe: @anatomyofadrink 1 ounce bourbon 1 ounce aged rum 1/4 ounce coffee liqueur 1/4 ounce pineapple syrup 3 dashes Angostura bitters Orange twist as a garnish Instructions: Add all ingredients to a mixing glass and stir with ice until chilled. Strain into a glass over a large ice cube. Garnish with an orange twist.   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

Transcribed - Published: 5 June 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. Would you rather buy one pair of expensive designer shoes or get five cheap pairs in every color? In this episode, Rachel and George make their case for quality vs. quantity, plus help you decide when it’s best to splurge or save. Next Steps: 🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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. 💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Woo Woo Cocktail Recipe: Difford’s Guide 1 ounce vodka 1/2 ounce peach schnapps 2 1/3 ounces cranberry juice Instructions: Select and pre-chill an old-fashioned glass. Shake all ingredients with ice and strain into an ice-filled glass. Garnish with a lime wedge. 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

Transcribed - Published: 29 May 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   From Abercrombie jeans to Juicy Couture tracksuits, some things just felt fancier in the ’90s. In this episode, Rachel and George invite you to play along as they reveal the price of nostalgic status symbols and decide if they’re still worth the splurge today.   Next Steps: 🎥 Watch our video Do We Have It Harder Financially Than Our Parents? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 The simplest way to budget. Download the EveryDollar app for free! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.  Today’s Happy Hour Special: 🍹Coconut Mojito Mocktail Recipe: Kale Junkie 1/4 cup light canned coconut milk 1/2 lime 2 ounces ginger beer 2 ounces sparkling water 10 mint leaves Sea salt for rimming the glass Instructions: Cut the lime into slices and rub one of the slices along the rim of a tall glass, so that the lime juice coats it. Place the glass rim-down into the sea salt and rotate until the sea salt sticks to the rim. Add the mint leaves to a tall glass , then, using a muddler or a spoon, muddle the mint leaves together until the minty smell begins to release. Add all the ingredients and stir. 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

Transcribed - Published: 22 May 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk. Next Steps: 🎥 Watch our video 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! 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.  💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Classic Gimlet 2 1/2 ounces gin 1/2 ounce lime juice 1/2 ounce simple syrup Instructions: Combine all ingredients in a cocktail shaker filled with ice. Shake for 10–15 seconds until well chilled. Double strain through fine mesh strainer into chilled coupe glass. Garnish with a lime wheel. 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

Transcribed - Published: 15 May 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever left a comment on this show saying we’re out of touch, totally wrong or just plain crazy—we see you! 😅 In this episode, Rachel and George react to the hottest takes from our comments section to see if any of them might have a point. Next Steps: 🎥 Watch our video Explaining Our Most Hated Financial Advice. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! 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.   💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe.  🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Sparkling Strawberry Coconut Mocktail Recipe: @drinkteabar 2 ounces strawberry puree 6 ounces sparkling water 2 ounces coconut milk Instructions: Add strawberry puree to your glass. Add ice and sparkling water. Stir and top with coconut milk.   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

Transcribed - Published: 8 May 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. Dropping $10 on latte art . . . Waste of money or totally worth it? In this episode, Rachel and George call out the dumbest things people spend money on, plus you’ll find out what questions to ask next time you’re tempted to splurge. Next Steps: 🎥 Watch our video Frugal Fails That Might Actually Ruin You. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! 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. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Sparkling Pear Mocktail Recipe: Cotter Crunch 3 Anjou pears 1/3 cup water 1 tablespoon mulling spices 2 cinnamon sticks 1/4 teaspoon ground ginger 1 teaspoon vanilla extract 1/4 cup maple syrup 24 ounces sparkling apple juice Instructions: Place the peeled, sliced pears and water in a high-speed blender. Blend until smooth. Add the pear puree in a small pot along with the mulling spices, cinnamon, ginger, and vanilla. Mix together and let the pot simmer for 15 minutes on medium low. Remove from heat, mix in the maple syrup and cool. Once cool, strain and store the remaining syrup in a sealed jar. Place in the fridge until ready to use. To make the mocktails, place sugar on a large plate. Coat the rim of a wine or cocktail glass with egg white then dip in the plate of sugar. Add 1/4 cup pear syrup followed by 5–6 ounces of sparkling apple juice. Stir then add ice, if desired, and garnish with herbs. Repeat to get 4–6 mocktails. 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

Transcribed - Published: 1 May 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re willing to go into debt for limited-edition Mickey Mouse ears 🐭 . . . it’s time to stop the madness. In this episode, Rachel and George reveal Disney adults’ top hacks so you can enjoy the most magical place on Earth without breaking the bank. Next Steps: 🎥 Watch our video What Are “Vacations” Really Costing You? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 La Tourista Recipe: @taco.dia 2 ounces tequila 1/2 ounce St-Germain elderflower liqueur 1/2 ounce Aperol 1/2 ounce simple syrup 1 ounce lemon juice 2 dashes bitters Instructions: In a cocktail shaker, add all the ingredients and shake to combine. Strain into a glass filled with ice. Garnish with orange peel or rosemary sprig if desired.   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

Transcribed - Published: 24 April 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. Today’s special guests may not be old enough to drive a car, but they’ve got some serious money chops. In this episode, test your knowledge as Rachel and George quiz each other (and the Cruze kids!) on personal finance. Next Steps: 🎥 Watch our video Surprising Money Facts Everyone Should Know. 👩‍🏫 Enter for a chance to win the Ramsey Teacher Appreciation Giveaway! 👦 Get the Financial Peace Kids toolkit. 📘 Get Smart Money Smart Kids by Dave Ramsey and Rachel Cruze. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! 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. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍋 Lavender Lemonade Recipe: @theenikj 1 1/2 cup sugar 1 cup water 1 tablespoon dried lavender buds 1 1/2 ounces butterfly pea flower tea 3 ounces lemonade Instructions: Lavender simple syrup: Place sugar, water and lavender buds in a small, covered saucepan on medium heat. Once it’s at a boil, reduce heat and let simmer for 10 minutes. Strain into an airtight container and store in the fridge. Mocktail: Brew the butterfly pea flower tea. Then, add lavender simple syrup to the bottom of a highball glass. Add ice and pour in lemonade. Garnish with fresh lemon slices before adding more ice and topping with butterfly pea flower tea.   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

Transcribed - Published: 17 April 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   If buying a house feels impossible, you’re In this episode, Rachel and George tackle your biggest housing questions and reveal which home upgrades are at the top (and bottom) of their list.   Next Steps: 🎥 Watch the video “Harmless” Purchases That Drain Your Bank Account. 🏠 Pay off your home faster! Try our Mortgage Calculator. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! 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. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Midnight Tart Cherry Mocktail Recipe: Munching With Mariyah   1/2 cup (4 oz.) tart cherry juice 1 medium lime, both zest and juice 2 teaspoons honey or maple syrup 1/8 teaspoon vanilla extract 1/8 teaspoon Celtic sea salt Sparkling water   Instructions: Add the cherry juice, lime zest, lime juice, honey or maple syrup, vanilla extract, and sea salt into a jar. Then either shake the jar vigorously for 30 seconds or mix using a frother. Pour the mixture over a glass filled with ice and top with equal parts sparkling water.   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

Transcribed - Published: 10 April 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. “Does George Kamel even know how much things actually cost?” In this episode, Rachel and George react to savage comments and defend their controversial money takes with facts even the haters can learn something from. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financial Advice. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! 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. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 The Professor Recipe: @Timthetankofficial 1 can Dr. Pepper 2 ounces whiskey 2 ounces rum 2 ounces cherry liqueur Juice of half a lemon Instructions: Pour Dr. Pepper into a glass. Add to the empty can ice, whiskey, rum and cherry liqueur, and squeeze in the juice of half a lemon. Top off with the Dr. Pepper. 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

Transcribed - Published: 3 April 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’d happily drive an extra 10 minutes to save 10 cents a gallon on gas—no judgment! In this episode, Rachel and George confess to money habits that don’t always make sense. Plus, they share what it means for you if you can relate. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financial Advice. 📘 Get Rachel Cruze’s book Know Yourself, Know Your Money. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour  📱 Submit a Guilty As Charged question for Rachel and George! 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. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: ☕️ Citrus Cardamon Coffee Spritzer Recipe: Recipe Fiction Citrus Cardamom Coffee Spritzer 1 ounce cardamom-infused simple syrup 4 ounces cold coffee 1/2–1 teaspoon fresh lemon juice Soda water or seltzer to top Cardamom Simple Syrup 1/2 cup sugar 1/2 cup water 8–10 pods cardamom, crushed Instructions: Cardamom simple syrup: Combine water, sugar and heat until just boiling. Add crushed cardamom pods and allow to steep for at least 30 minutes or up to overnight. Strain to serve. Citrus cardamom coffee spritzer: Combine simple syrup, coffee and lemon juice in a 12-ounce glass. Add ice and top with fizzy water. 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

Transcribed - Published: 27 March 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Whether you’re a weekend DJ or assembling boxed furniture, extra money is extra money. In this episode, find out how to pick a good side hustle that makes the most of your time and talents.   Next Steps: 💸 Take the quiz to find out what side hustles are best for you! 💰 Take the Money Finder challenge and uncover extra cash today!  🎥 Watch our video Habits Wasting Your Time (and Money) in 2024. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! 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.   💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Kentucky Colonel Recipe: Difford’s Guide 2 ounces Bourbon whiskey 1/2 ounce Bénédictine D.O.M. liqueur Instructions: Select and pre-chill an old-fashioned glass. Prepare garnish of lemon zest twist. Stir all ingredients with ice. Strain into ice-filled glass. Express lemon zest twist over the cocktail and use as a garnish. 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

Transcribed - Published: 20 March 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. Is dragging yourself to the airport at 4 a.m. for a $90 round-trip flight worth it? In this episode, Rachel and George weigh in on travel budget hacks you can try to save big on your next trip. Next Steps: 🏅Help us make the show better! Please fill out a quick survey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Seabreeze Recipe: Difford’s Guide 1 2/3 ounce Ketel One vodka 2 1/2 ounce cranberry juice 1 ounce pink grapefruit juice Instructions: Select and pre-chill a Collins glass. Prepare garnish of lime wedge and shake all ingredients with ice. Strain into ice-filled glass and garnish with lime wedge. 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

Transcribed - Published: 13 March 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re debt-free but holding onto that Disney credit card, you might be “Ramsey-ish.” In this episode, find out what that means for you and your finances. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  📗 Order George Kamel’s new book, Breaking Free From Broke. 📚 Get Rachel Cruze’s Kids Book Bundle. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Cranberry Fizz Mocktail Recipe: @holisticrendezvous 1 ounce cranberry juice 1/2 ounce rosemary thyme syrup Top with sparkling water Rosemary sprig (garnish) Ice (cranberry and rosemary) Instructions: Syrup: Combine all ingredients and bring to a boil. Reduce to a simmer for 10 minutes and then remove from heat. There should be about 3/4 cup liquid left. Strain and store in the fridge for about a week. Mocktail: Rim a lowball glass with maple syrup (or honey) and coarse sugar and fill with ice. Add all ingredients and top with fresh or frozen whole cranberries and a sprig of rosemary. 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 📈 The EntreLeadership Podcast   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 6 March 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re debt-free but holding onto that Disney credit card, you might be “Ramsey-ish.” In this episode, find out what that means for you and your finances. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  📗 Order George Kamel’s new book, Breaking Free From Broke. 📚 Get Rachel Cruze’s Kids Book Bundle. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Cranberry Fizz Mocktail Recipe: @holisticrendezvous 1 ounce cranberry juice 1/2 ounce rosemary thyme syrup Top with sparkling water Rosemary sprig (garnish) Ice (cranberry and rosemary) Instructions: Syrup: Combine all ingredients and bring to a boil. Reduce to a simmer for 10 minutes and then remove from heat. There should be about 3/4 cup liquid left. Strain and store in the fridge for about a week. Mocktail: Rim a lowball glass with maple syrup (or honey) and coarse sugar and fill with ice. Add all ingredients and top with fresh or frozen whole cranberries and a sprig of rosemary. 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 📈 The EntreLeadership Podcast   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 6 March 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   On a scale of cloth diapers to compost, how crunchy are you? In this episode, get Rachel and George’s take on popular “clean” products. Plus, find the best crunchy money-saving hacks out there.   Next Steps: 🎥 Watch our video The #1 Budget Buster That No One Can Avoid. 🏅 Help us make the show better! Please fill out a quick survey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Kentucky Flyer Recipe: Difford’s Guide Luxardo maraschino cherries (optional for garnish) Mint sprigs (optional for garnish) 1 1/2 ounces straight rye whiskey 1/2 ounce Luxardo maraschino liqueur 1/3 ounce lemon juice (freshly squeezed) 1/6 ounce chilled water 3 drops saline solution Instructions: Pre-chill a Nick and Nora glass. Prepare a garnish of skewered Luxardo maraschino cherries and a mint sprig. Shake the rest of the ingredients with ice and fine strain into the chilled glass. Garnish with the skewered cherry and mint sprigs bouquet. 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

Transcribed - Published: 27 February 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan. Nothing screams emergency fund like a full-scale raccoon home infestation. In this episode, Rachel and George share the weirdest things listeners spent their emergency fund on and the lessons we can learn from these scary stories.   Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     🏅 Help us make the show better! Please fill out a quick survey. 📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Cubanada Recipe: Difford’s Guide   Ingredients: 1 2/3 ounces Caribbean blended rum aged 6–10 years 3/4 ounce lime juice (freshly squeezed) 1/2 ounce maple syrup   Instructions: Select and pre-chill a Coupe glass. Prepare garnish of lime wedge. Shake all ingredients with ice. Fine strain into chilled glass. Garnish with lime wedge on rim.    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

Transcribed - Published: 20 February 2025

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Today we’ve got two very special guests in the studio . . . Winston Cruze and Whitney Kamel! In this episode, Rachel, George and their spouses spill the tea on married life, money, and how the two mix.   Next Steps: 🏅 Help us make the show better! Please fill out a quick survey.  🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     📱 Submit a Guilty As Charged question for Rachel and George! 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.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍸 Hanky Panky Recipe: Liquor.com   Ingredients: 1 1/2 ounces gin 1 1/2 ounces sweet vermouth 2 dashes Fernet-Branca Garnish: orange twist   Instructions: Add the gin, sweet vermouth and Fernet-Branca into a mixing glass with ice and stir until well-chilled. Strain into a chilled cocktail glass. Garnish with an orange twist.   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

Transcribed - Published: 13 February 2025

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Do you ever feel like the “poor friend” of the group struggling to keep up? In this episode, Rachel and George talk about money’s impact on different relationships so you can avoid relational drama. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 💵 Start your free budget today. Download the EveryDollar app! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱Submit a Guilty As Charged question for Rachel and George! 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.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🍹 Sparkling Pink Mocktail Recipe: Lidl Ingredients: 6 ounces raspberries 4 ounces organic lemonade 6 ounces lemon lime seltzer water 2 scoops raspberry sorbet Mint Instructions: Lay 5 ounces of raspberries on a cookie sheet and freeze for 10 minutes. Place ice and frozen raspberries in 2 glasses. Divide lemonade, seltzer water and sorbet between the glasses. Top each glass with remaining fresh raspberries and a sprig of mint.   Listen to 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

Transcribed - Published: 6 February 2025

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Today we’re giving the people what they want: the man himself, Dave Ramsey. In this special episode, Dave plays 20 Questions with inquiries you submitted about his life, wealth and the things he won’t waste a dime on. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 💵 Start your free budget today. Download the EveryDollar app! 🎥 Watch our video Cheapskate or Resourceful? A Wake-Up Call With Sharon Ramsey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱 Submit a Guilty As Charged question for Rachel and George! 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.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🍸 Black Manhattan Ingredients: 2 ounces rye whiskey 1 ounce amaro 3 dashes black walnut bitters 2 dashes orange bitters 2 brandied cherries Instructions: Add the rye whiskey, amaro and bitters into a mixing glass with ice and stir until well-chilled. Strain into a chilled coupe glass. Garnish with two brandied cherries. Listen to 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

Transcribed - Published: 30 January 2025

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Remember signing up for that “free” trial of Apple TV+ . . . and four years later, you’re still paying $9.99 a month for it? In this episode, Rachel and George reveal sneaky marketing tactics like this to help you avoid wasting money.   Next Steps: 💵 Start your free budget today. Download the EveryDollar app! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     📱 Submit a Guilty As Charged question for Rachel and George! 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.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY.   Today’s Happy Hour Special: 🥃 Classic Amaretto Sour Recipe: Real Simple   Ingredients: 1 1/2 ounces amaretto liqueur 1 ounce simple syrup 3/4 ounce fresh lemon juice (from 1 lemon) 1 orange slice, for garnish (optional) 1 maraschino cherry, for garnish (optional)   Instructions: Pour the amaretto, simple syrup, and lemon juice into a cocktail shaker with ice. Shake and strain into a glass filled with ice. Garnish with an orange slice and a cherry, if using.   Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 23 January 2025

💵 Start your free budget today. Download the EveryDollar app! If you love awkward silences, just try asking your blind date how much money he makes. In this episode, Rachel and George share hot takes on common taboo money topics, plus how you can avoid cringey situations. Next Steps:  🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     📱Submit a Guilty As Charged question for Rachel and George! 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.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code Smart Money. Today’s Happy Hour Special: 🍸 Smashing Sage Spritzer (Mocktail) Recipe: Drinking for Two: Nutritious Mocktails for the Mom-To-Be Ingredients: 1 cup fresh or frozen blackberries or cherries 1 tablespoon lime juice 1 teaspoon honey 1/3 cup coconut water 1 cup seltzer 4 sage leaves Additional blackberries and sage leaves for garnish Instructions: Muddle blackberries with sage leaves and honey in the bottom of a shaker. Add lime juice and coconut water; fill shaker with ice. Shake vigorously. Strain, if desired. Divide the shaken mixture between two ice-filled lowball glasses. Top with seltzer and stir. Garnish with fresh sage and blackberries. Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 16 January 2025

💵 Start your free budget today. Download the EveryDollar app! We all know that person who wears flashy designer logos like they’re personally endorsed by Michael Kors. In this episode, Rachel and George react to ways people pretend to be upper class and discuss how to be smart with your money instead. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.    📱Submit a Guilty As Charged question for Rachel and George! 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.     Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🍸 Japanese Slipper Recipe: Difford’s Guide 1 fluid ounce Cointreau triple sec liqueur 1 fluid ounce green melon liqueur 1 fluid ounce lemon juice (freshly squeezed)   Instructions: Select and pre-chill a martini glass. Prepare garnish of Luxardo maraschino cherry dropped into drink. Shake all ingredients with ice. Fine strain into chilled glass. Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 9 January 2025

💵 Start your free budget today. Download the EveryDollar app! If you want to have a “new year, new you,” you have to do new things. In the first episode of the new year, Rachel and George share bad money habits you’ll want to ditch in 2025. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.    📱 Submit a Guilty As Charged question for Rachel and George! 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 our video How to Start Becoming a Millionaire in 2024.   Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🧊 Frostbite Tequila Cocktail Recipe: The Spruce Eats 1 1/2 ounces tequila 1 ounce blue curaçao liqueur 1/2 ounce white crème de cacao liqueur 1/2 ounce cream Luxardo Cherries, for garnish Instructions: In a cocktail shaker, pour the tequila, blue curaçao, crème de cacao, and cream. Fill with ice. Shake well. Strain into an ice-filled old-fashioned glass. Garnish with a cherry. Serve and enjoy. Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy

Transcribed - Published: 2 January 2025

💵 Start your free budget today. Download the EveryDollar app! It’s almost time to put out the flame on 2024, and we’re feeling reflective. In this episode, Rachel and George look back on the best (and worst 😅) Smart Money Happy Hour moments of the year, including money lessons you won’t want to forget in 2025. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.     💍 Get your tickets for Money & Marriage Getaway! 💸 Beat debt and build wealth with Financial Peace University. 📱 Submit a Guilty As Charged question for Rachel and George! 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.     Best Episodes of SMHH 2024: Why Short-Term Rentals Are No Vacation “Harmless” Purchases That Drain Your Bank Account Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SmartMoney.  Today’s Happy Hour Specials: Reddish Rita Episode: Financial Realities You Learn as an Adult Ingredients: 1 ounce Reposado tequila 1 ounce Blanco tequila 3/4 ounce orange liqueur 1 ounce lime juice 1/2 ounce agave nectar   Corpse Reviver No.2 Recipe: Difford’s Guide Episode: Are You Guilty of These Financial Turnoffs? Ingredients: 3/4 ounce gin 3/4 ounce Cointreau triple sec liqueur  3/4 ounce aromatized wine (e.g. Lillet Blanc) 3/4 ounce lemon juice (freshly squeezed) La Fée Parisienne absinthe   Lemon Drop Mocktail Recipe: Food Banjo Episode: Why Nothing Is Enjoyable Today Ingredients: 1 1/4 ounces lemon juice 3/4 ounce simple syrup 2 1/2 ounces club soda, chilled or sparkling water Sugar Ice Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy

Transcribed - Published: 26 December 2024