Smart Money Happy Hour with Rachel Cruze and George Kamel

Latest Episodes:

Men vs. Women: Who Handles Money Better? Apr 27, 2023

Show notes

Featuring the very first LIVE audience in the new Ramsey Event Center, Rachel and George tackle a conversation about gender and money from the Smart Conference stage. Is saving and spending always a battle of the sexes? And what’s the biggest threat to getting out of debt: his truck or her Target runs? Listen now and join the party!

In This Episode:

· Our audience helping us predict money tendencies for men and women

· How your upbringing affects your saving and spending habits

· Why Rachel defends the male obsession with grills and George supports brunch culture

Helpful Resources: 

· Get your finances organized, make a plan, build up your confidence and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today!

· Do you have 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.

· Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special: Breakfast in Manhattan

Ingredients:

· 2 ounces bourbon

· 1/2 ounce sweet vermouth

· Dash of Angostura bitters

· 1 tablespoon orange marmalade

Instructions: Pour marmalade and bourbon into a cocktail shaker and stir together. Add in vermouth, bitters and ice, then stir. Strain into a chilled glass and enjoy!

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Why Fewer People Are Having Kids Today Apr 20, 2023

Show notes

Does saying yes to babies mean saying no to wealth and retirement? Rachel and George talk about the major money fears stopping Millennials and Gen Zers from starting a family––including the estimated $310,605 price tag per child. 👶💰

In This Episode:

· Smart Money Happy Hour’s new favorite girl dad

· How less babies running around eventually means higher taxes for all of us

· The bizarre pet George co-owned with an ex-girlfriend

Helpful Resources:

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

· Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to everydollar.com/smart to get started today!

· Learn more about your ad choices. https://www.megaphone.fm/adchoices

· Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special:

The Mom-to-Be Margarita Mocktail

· 1 ounce fresh lime juice

· 1/2 ounce fresh lemon juice

· 1/4 teaspoon maple syrup

· 1/8 teaspoon pickle juice

· 3 ounces tonic water

· Rock salt (optional)

· Lime wedge (optional)

Want a classic salty margarita rim? Start with a wedge of fresh lime. Swipe it along the rim of your glass. Turn the glass upside down and dip the rim into a plate of rock salt.

Now, we drink! Grab your salted (or unsalted) glass. Add the lime juice, lemon juice, maple syrup and pickle juice. Give it a good stir. Add ice and top with tonic water. Enjoy!

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Are MLMs Legit? (And Is the “Free” Luxury Car a Scam?) Apr 13, 2023

Show notes

Whether you love MLMs or just love to hate ’em, none of us are immune to getting a “Hey, hun!” in our DMs. But have all the boss babes really been conned? Join Rachel and George as they take a closer look to find out if MLMs are an entrepreneur’s paradise . . . or just another scam.

In This Episode:

· The fine line between a pyramid scheme and an MLM

· George’s and Rachel’s personal experiences with MLM products

· Solved: the mystery of the free luxury car

Helpful Resources:

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

· Learn more about your ad choices. https://www.megaphone.fm/adchoices

· Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special:

The Aviation

· 2 ounces gin

· 1/4 ounce Luxardo maraschino liqueur

· 1/4 ounce crème de violette liqueur

· 1/2 ounce freshly squeezed lemon juice

Grab your trusty cocktail shaker and fill it with ice. Add gin, maraschino liqueur, crème de violette and lemon juice to the shaker. Shake that thing and strain into a glass. For an elevated experience, garnish with a lemon twist! 🛫

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Old Money vs. New Money: Which Aesthetic Wins With Wealth? Apr 06, 2023

Show notes

Cheers, old sport! The TikTok teens have spoken, and we’re here to ask the hard-hitting questions on the latest viral hashtag. What is “old-money aesthetic,” and how does it relate to your money? What does it really take to build generational wealth? And if you were a RollerCoaster Tycoon kid, are you an old-money adult now? We tackle it all.

In This Episode: 

· George advocating for the coastal grandfather movement

· Marie Osmond, Bill Gates and thoughts on big inheritances

· The Kennedys, the Vanderbilts and other old-money history

Helpful Resources: 

· Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today!

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

· Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special: Lemon Drop

Ingredients:

· 2 ounces vodka

· 1/2 ounce Cointreau

· 1 ounce fresh lemon juice

· 1 ounce simple syrup

· Sugar

Instructions: Apply a light layer of lemon juice to the rim of a cocktail glass. Dip the coated rim into sugar, then set the glass aside. Combine vodka, Cointreau, lemon juice, simply syrup and ice in a cocktail shaker and shake until chilled. Strain the liquid into the prepared cocktail glass and enjoy!

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Dupes, Counterfeits, Scams, Oh My! Is Anyone Safe? Mar 30, 2023

Show notes

Smart Money DUUUPE. Just kidding—it’s still the real us. And we’re going to talk about everything from cheap versions of viral high-end products to internet shopping scams and fake cash. Plus, we’ll discuss which name-brand products on your wish list are most likely to be counterfeit.

In This Episode: 

· Construction workers: Are they the underappreciated fashion icons of our time?

· Fake Taylor Swift tickets, jury duty scams, and Winston’s Craigslist trauma

· Our listeners’ worst scam stories

Helpful Resources: 

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special: Classic Texas Ranch Water

Ingredients:

· 3 ounces (or 2 shots) tequila

· 2 limes

· 1 bottle Topo Chico

Instructions: Juice one whole lime and slice the other lime for garnish. Fill a highball glass with ice, then add the lime juice and two shots of tequila. Top off the glass with chilled Topo Chico. Garnish with a lime slice and enjoy!

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11 Awkward Money Conversations (and How to Navigate Them) Mar 23, 2023

Show notes

It’s about to get awkward! 😬 Whether you think it’s time to confront your aging parents about their iffy money habits or you’re fighting the good fight against splitting the check evenly at dinner, Rachel and George are here to offer their advice for getting through life’s most cringeworthy money convos.

In This Episode:

· George admits to charging this close family member rent

· How to handle people who assume they’re getting the friends and family discount

· How to get out of a group gift situation that you didn’t sign up for

Helpful Resources:

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

· Learn more about your ad choices. https://www.megaphone.fm/adchoices

· Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special:

The Tom Hanks (aka Diet Cokagne)

· 1 can (12 ounces) Diet Coke

· Champagne

Add ice to your favorite highball glass. Pour in about one third of the Diet Coke. Top with the champagne of your choice until the glass is full. Now be brave and take a sip!

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Savvy or Sketchy: Do These Money-Saving Hacks Go Too Far? Mar 16, 2023

Show notes

There’s genius––and then there’s evil genius. Rachel and George go head-to-head on some of today’s ethically questionable penny-pinching hacks to help us all find the line between smart spending and just acting shady. 🧐

In This Episode:

· The streaming platform that George and Rachel temporarily shared a password for

· How techies tap Google Voice for extra cyber security . . . and shopping discounts 🛍

· The money-saving dating game everybody has an opinion about

Helpful Resources:

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

· Learn more about your ad choices. https://www.megaphone.fm/adchoices

· Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special:

Blackberry Mojito Mocktail

· 2/3 cup blackberries

· 1 tablespoon fresh lime juice

· 1 cup berry flavored sparkling water

· Fresh mint

· Lime slices

Muddle blackberries and mint in the bottom of your cocktail glass and add lime juice. Fill the glass with ice, then pour the berry flavored sparkling water over the top. Garnish with lime slices or extra mint. Sip and enjoy!

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Unique Money Traditions You Won’t Find in the US Mar 09, 2023

Show notes

You’ve heard of pin the tail on the donkey, but are you familiar with pin the dollar on the bride? Join Rachel and George on a journey to learn about money traditions around the world––from the West African sou-sou to an unexpected German spending obsession that not even the pandemic could shake!

In This Episode:

· Communal savings, questionable British accents, and “the dollar dance”

· The global money custom that George’s ancestors may have invented

· The OG GoFundMe and other heartwarming ways different cultures give back

Helpful Resources: 

· Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today!

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special:

Sazerac

Ingredients:

· 1/2 ounce absinthe

· 1 sugar cube

· 1 1/2 ounces rye whiskey

· 1/2 ounce Peychaud’s bitters

· 1/2 ounce Angostura bitters

· 1 1/2 ounces cognac

· 1 lemon peel

Pour a small amount of absinthe in a chilled glass, swirl it around to coat the glass, discard the remaining liquid, then set aside the glass. In a cocktail mixer, muddle the sugar cube with Peychaud’s and Angostura bitters. Add rye and cognac to the cocktail mixer with ice and shake until chilled. Strain into the prepared glass, twist the lemon peel over drink’s surface to release the oils, garnish with the lemon peel and enjoy!

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There’s a Fee for That and We’re OVER It—What Now? Mar 02, 2023

Show notes

Biden’s not feeling the junk fees and neither are we! Turns out Americans are being nickeled and dimed to the tune of $24 billion a year, which begs the question––what are we going to do about all the junk fees?

In This Episode:

· Why companies have you paying junk fees instead of raising their prices

· The quaint way Rachel used to pay for her fav fashions at Hollister

· A creepy $5 Airbnb fee you should look for before you book your next getaway 👻

Helpful Resources:

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

· Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today!

· Learn more about your ad choices. https://www.megaphone.fm/adchoices

· Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special:

Painkiller 🏝🍹

2 ounces rum
1 ounce cream of coconut
1 ounce orange juice
4 ounces pineapple juice

You know the drill, people! Fill a cocktail shaker with ice. Add all the ingredients. Wave the shaker in the air like you just don’t care and strain into a highball glass. Sip out of a bendy straw.

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Influencer . . . Modern-Day Dream Job or Money Pit? Feb 23, 2023

Show notes

We’re covering the ins and outs of social media influencing—is it a realistic side hustle? Listen to hear Rachel and George cover popular internet lingo and find out how likely you are to make it as a successful influencer.

In This Episode:

· ShamWow, OxiClean and other founding fathers of modern influencer culture

· The multiple “tiers” of influencing and how much money each one makes on average

· A few of Rachel’s favorite follows, including Babs and bougie Utah moms

Helpful Resources: 

· Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Click here to get started today!

· Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

This Week’s Happy Hour Special: Classic Cosmo

Ingredients:

· 2 ounces vodka

· 1/2 ounce Cointreau orange liqueur

· 3/4 ounce cranberry juice

· 1/2 ounce lime juice

· Lime to garnish

Pour vodka, liqueur and juice over ice in a cocktail mixer. Shake to chill, then strain liquid into a stemmed glass. Garnish with fresh lime and enjoy!

Learn more about your ad choices. Visit megaphone.fm/adchoices

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