💰 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

💰 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

💰 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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

📈 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