It’s out with the old and in with the new! George and Rachel are sounding off on the bad habits you need to quit in 2024—like not having an emergency fund, impulse buying, and forgetting your blinker—and sharing some smart money habits to build instead. Plus, get the $1.32 mocktail that earned a 10 out of 10.

In this episode:

· Rachel’s “add it to the cart” habit to help you spend less money

· The habit George loves that lets you earn 3–5% more money

· Habit-change motivation from the great philosopher Miley Cyrus: “Ain’t about how fast I get there . . . it’s the climb.”

Resources:

· What to make real progress with your money? Get tickets to Total Money Makeover Weekend today.

· Get George’s new book, Breaking Free From Broke, and get three months free of the premium version of EveryDollar.

· Get your finances organized, make a plan, build 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. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.

· 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.

· Help us make the show better! Please fill out the quick survey.

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This Week’s Happy Hour Special: Mojito Mocktail

Recipe by Culinary Hill

Ingredients:

· 10 fresh mint leaves plus more for garnish (see note 1)

· 1/2 lime cut into 4 wedges, divided

· 2 tablespoons granulated sugar or to taste (see note 2)

· 1 cup ice cubes

· 1/2 cup club soda (see note 3)

Instructions:

1. In a medium sturdy glass add mint leaves and 1 lime wedge. Use a muddler to crush the mint and lime, releasing the mint oils and lime juice.

2. Add 2 more lime wedges and the sugar, and muddle again to release the lime juice. Do not strain the mixture.

3. Fill the glass almost to the top with ice. Add club soda and more sugar to taste if desired. Garnish with mint leaves and remaining lime wedge.

Notes:

1. Mint: Mojitos are typically made with spearmint, not peppermint.

2. Sugar: Or substitute agave, honey, or simple syrup and add it to taste. However, the grittiness of granulated sugar adds texture and is part of the charm of a mojito.

3. Club soda: Or choose sparkling water or a clear soda such as Sprite of 7UP.

4. Yield: This recipe makes 1 mojito mocktail.

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