The hosts dive into bad money habits to ditch in 2025, starting with procrastination in planning and the need for emergency funds. They contrast social media's impact on community bonds and emphasize finding fulfillment beyond comparison. A light-hearted take on canceling unused subscriptions surfaces, along with tips for enjoying small indulgences without overspending. They also discuss the pitfalls of fitness purchases and the importance of mindful spending. Plus, they cover the need to connect beyond screens for a more present life.

Reflecting on 2024, the hosts dive into the wild world of pop culture, from narratives of celebrity net worth to captivating Olympic moments. They humorously dissect reality TV's influence and discuss societal values while sipping on creative cocktails. The conversation touches on the pitfalls of 'little treats' and the importance of mindful budgeting, blending humor with serious insights. Personal anecdotes reveal the joys and regrets of luxury spending, while highlighting impactful reads and the emotional side of financial choices.

Dive into a festive conversation about financial wisdom hidden in classic Christmas movies! From the Grinch's anti-commercialism to the heartwarming lessons in 'It's a Wonderful Life,' the hosts explore how these films shape holiday traditions and teach valuable money lessons. They reflect on 90s nostalgia, the importance of responsible budgeting, and even share fun childhood gift memories. Plus, enjoy a quirky twist with a sophisticated eggnog recipe that adds a festive touch to the insights!

Dive into a tasty debate over fast food favorites like McDonald's French fries and Taco Bell's cheesy gordita crunch. The hosts passionately rank beloved chains, sharing nostalgic stories and financial tips for budget-friendly options. Immerse yourself in the rivalry of In-N-Out versus Whataburger, and explore memories tied to Wendy's and Burger King. Plus, get insights on fast-casual spots like Chipotle and Panera, all sprinkled with humor and practical advice. Don't forget to enjoy a refreshing Raspberry Dream Dirty Soda on the side!

Dive into the hilarious world of financial faux pas as the hosts tackle cringe-worthy money moments like the birthday fundraiser dilemma. They discuss the awkwardness of requesting funds instead of gifts and the evolving etiquette around snack charges during playdates. Listeners will enjoy anecdotes about gift-giving complexities and navigating social media curiosity. The episode blends humor and insight, exploring how to manage money issues in friendships while stirring up lively debates on online privacy and social norms.

Tired of the same old gifts? Discover unique ideas that cater to every type of friend or family member! From a cocktail shaker that doesn’t freeze your hands to a vintage cocktail book for enthusiasts, there’s something for everyone. Consider creative experiences over material items or opt for heartfelt, personalized gifts. Plus, enjoy a festive mocktail recipe that’s perfect for holiday gatherings. Get tips on setting realistic expectations and budgeting to avoid gift-giving stress. It’s all about thoughtful connections this season!

💵 Start your free budget today. Download the EveryDollar app!  Carefree (and kid-free) travel isn’t the only reason DINKs are living their best life. In this episode, Rachel and George get real about the cost of kids and how to know if you’re ready.Next Steps: 🎥 Watch our video Why Fewer People Are Having Kids Today. 📱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 Sponsor:🔒 Get 20% off when you join DeleteMe. Today’s Happy Hour Special: 🍸 Isn’t She Lovely?Recipe: Imbibe 1 1/2 ounces vodka 3/4 ounce fresh grapefruit juice 1/2 ounce lemon juice 1/2 ounce elderflower liqueur 1/2 ounce blanc vermouth 1/4 simple syrup 1 ounce club soda Instructions: Combine all the ingredients except the club soda in a shaker with ice. Shake until chilled, then strain into a collins glass over fresh ice. Top with club soda, 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover life-changing tech that truly enhances daily living! Dive into health tracking gizmos, amusing smart home anecdotes, and innovative cooking tools. Explore the quirks of sharing expenses with friends and navigating game day costs. From weather apps to mindful gifting, the discussion is packed with humor and practical tips. Uncover the importance of planning tech buys and get excited about a delicious autumn mocktail to sip while navigating your smart choices!

💵 Start your free budget today. Download the EveryDollar app!  Okay, so maybe you get a little carried away at Bath and Body Works, but at least you risk your financial future on a perm and hair products. In this episode, Rachel and George react to hilarious money fails you found on Reddit.   Next Steps: 📱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  Today’s Happy Hour Special: 🍸 Illegal Cocktail Recipe: Cocktail Society  Ingredients:  1 ounce Mezcal  ½ ounce White rum  ½ ounce Falernum  1 barspoon Luxardo  ¾ ounce lime  ½ ounce simple syrup  1 egg white   Instructions: Add all ingredients to a cocktail shaker with plenty of ice. Shake until the drink is well-chilled and strain the cocktail into a glass, 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  Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! Today we’re setting the chrometophobes who haven’t been on a vacation since 2004 free! In this episode, Rachel and George are calling out the irrational money fears keeping you stuck—plus how you can overcome them. 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: 🍺 Butterbeer Old FashionedRecipe: The G&M KitchenIngredients: 1 12-ounce bottle cream soda 1/4 cup butterscotch topping 1 1/2 ounces bourbon 1 dash black walnut bitters 1 ounce heavy whipping cream Ice Instructions: Heat the cream soda in a small pot for 5–10 minutes. Remove from heat and stir in the butterscotch topping. Let cool. Add the bourbon, 1 ounce of the cream soda mixture, and a dash of walnut bitters to a rocks glass with ice. Stir to combine. Add whipping cream to a cocktail shaker and shake until thickened. Pour the cream on top of the cocktail 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📈 The EntreLeadership Podcast Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices