

Smart Money Happy Hour with Rachel Cruze and George Kamel
Ramsey Network
Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love.
Episodes
Mentioned books

Sep 14, 2023 • 42min
How the Illusion of Choice Is Keeping You Broke
News flash: Advertisers have mastered the art of making consumers think they’re in control. But who’s really calling the shots? In this episode, Rachel and George investigate what’s happening behind the brands and how it affects your bank account. In this episode:- George and Rachel’s reaction to Chuck E. Cheese’s saucy secret- Why modern-day advertising is low-key mind control- The alleged BlackRock conspiracy they don’t want you to know about Helpful Resources: · Start making memories! Go NOW and get Tapple at Wal-Mart or wherever you buy board games! https://theop.games/· Booking a flight with Going is the best and simplest way to pay less and travel more. Signup for free today at going.com/smartmoney.· 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/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.· Learn more about your ad choices: https://www.megaphone.fm/adchoices· Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Mexican Surfer Ingredients:2 ounces reposado tequila1 1/2 ounces pineapple juice1/2 ounce lime cordial (aka sweetened lime juice) Instructions:Combine all your ingredients in a cocktail shaker with ice and shake. Strain the liquid into a chilled coupe glass. Add a lime slice for garnish and hang loose! Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 7, 2023 • 35min
How to Negotiate Like a Pro (Even When It’s Awkward)
Scoring a great deal can save you big—but how do you negotiate the price down when it feels downright awkward? In this episode, George and Rachel talk about strategies to getting the best deal, then Rachel tries them out in their own mock-negotiation.In this episode:- George uncovers the depths of Rachel’s shame- George and Rachel share their negotiating dos and don’ts- Another great way to save money (that doesn’t require an awkward situation)Helpful Resources: · Start making memories! Go NOW and get Tapple at Wal-Mart or wherever you buy board games!· Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.· 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/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.· Learn more about your ad choices: https://www.megaphone.fm/adchoices· Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Tangerine Mojito CocktailRecipe from La CroixIngredients:5 tablespoons Agave nectar2-3 mint leaves2 cups tangerine juice1/4 cup lime juice2-3 Tangerine slices2 cans of Tangerine LaCroixInstructions:In a tall glass, muddle the mint and agave. Add the tangerine juice, lime juice, Lacroix, and tangerine slices. Stir and garnish with mint leaves. 🍊 Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 31, 2023 • 42min
Are These Jobs Worth Their Salaries?
Money isn’t everything, but it’s something to consider when choosing your career path. In this episode, George and Rachel talk about the salaries (and cost of education) for some of the top jobs in America. They share what industries they would work in if they could do any job in the world, then talk about celebrity salaries and the amazing thing Taylor Swift did for her truck drivers. In this episode:
The salaries people make in America’s most popular jobs
What George would do if he worked for big brands
Which career Rachel thinks should make more money
Helpful Resources: · Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.· Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games! · 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/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.· Learn more about your ad choices: https://www.megaphone.fm/adchoices· Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Strawberry Basil MocktailIngredients:
1 1/2 cups fresh strawberries
4–5 fresh basil leaves
12 ounces seltzer
1 lime (half juiced, half sliced)
Instructions:Roughly chop the strawberries and cut the lime in half. Muddle the strawberries, basil and the juice from half the lime. Fill two tall glasses with crushed ice and divide the berry mixture between them. Top with seltzer and garnish with a slice of lime and fresh basil. Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 24, 2023 • 37min
What Will It Cost to Live in 40 Years?
Are we headed toward a cashless society where debit cards are for old people? We don’t know what the future holds, but George and Rachel take a guess and tell you why you don’t need to worry about the future of money. Plus, we’ll dive into which past future predictions were totally ludicrous and which ones were spot on.In this episode:- George and Rachel talking about the future cost of weddings, homes and your favorite lattes (and how we’ll pay for them)- The reason George could never get away with committing a crime- What futuristic ’90s movies predicted the world would look like todayHelpful Resources: · Start making memories! Go get Tapple at Walmart or wherever you buy board games.· Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.· 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/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.· Learn more about your ad choices: https://www.megaphone.fm/adchoices· Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Vieux CarréIngredients:· 3/4 ounce rye whiskey· 3/4 ounce cognac· 3/4 ounce sweet vermouth· 1 to 2 dashes Angostura bitters· 1 to 2 dashes Peychaud’s bitters· 1/2 ounce Bénédictine liqueur· Cherry (for garnish)Instructions:Add the rye whiskey, cognac, sweet vermouth, bitters and Bénédictine liqueur to a mixing glass with ice. Stir, then strain into an old fashioned glass over fresh ice. Garnish with a cherry and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 17, 2023 • 38min
Confronting Real-Life Money Secrets and Blowups
George and Rachel confront real-life money secrets and blowups in this podcast. They discuss topics like financial infidelity, the consequences of hiding financial secrets in a marriage, struggles with fixed income, setting boundaries with money, and overcoming financial challenges as a couple. They also share budget-friendly travel tips and a recipe for a watermelon mojito mocktail.

Aug 10, 2023 • 39min
How 8 Overnight Millionaires Made Their Money
From the inheritance scandals to the Antiques Roadshow to pension stealing, Rachel and George uncover wild stories of people who became overnight millionaires. Plus, they’ll walk you through what it really takes to hit your first million.In this episode:· The craziest get-rich-quick stories George and Rachel could find· Why 70% of lottery winners end up broke· How you can become a millionaire—even if it doesn’t happen overnight Helpful Resources: · Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.· 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/smartmoney 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.· Learn more about your ad choices: https://www.megaphone.fm/adchoices· Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Strawberry Mint Summer SparklerRecipe by Elliot Clark, @apartment_bartender Ingredients:· 2 ounces gin· 1/2 ounce ginger liqueur· 1/2 ounce strawberry syrup· 1 ounce lemon juice· 2–3 dashes aromatic bitters· soda water· 5–6 mint leaves Instructions: Combine all ingredients except for the soda water and mint in a cocktail shaker. Add ice and shake to chill the drink. Strain into a cocktail glass over crushed ice, and top with soda to taste. Add more crushed ice, and garnish with a sprig of mint. Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 3, 2023 • 40min
How Barbie and Other Toy Brands Brainwashed Us All
If you learned to navigate adulthood in a plastic car with pink and blue peg people, this episode is for you. Rachel and George reminisce about the 90s toys and games that taught us how to handle our money.In this episode:· Rachel reveals which Barbie she wasn’t allowed to play with· What a “kidult” is and why toy execs love them· What Monopoly and the Game of Life got right (and wrong) about money Helpful Resources: · Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.· 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/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.· Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/SMHHgvwy· 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: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: The Barbiecore Pink DrinkIngredients:· 1 ounce whipped cream vodka· 2 ounces Sprite· 1 ounce dragon fruit juice· A dash (or more) of edible glitterInstructions: In a champagne glass, add the whipped cream vodka and Sprite. Pour in the dragon fruit juice until your glass is 3/4 full. Sprinkle a little glitter on top for maximum sparkle! 💖 Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 27, 2023 • 33min
How to Spot “Beige Flags” in Money and Relationships
We love to throw a flag on romantic relationships—whether it’s red, green or now . . . beige? Find out how George and Rachel react to Gen Z’s relationship flags, and discover which ones you’re guilty of flying.In this episode:
Candid reactions to Gen Z relationship etiquette
George and Rachel’s personal beige flags
Why George dubs Rachel as “America’s Favorite”
Helpful Resources: · Booking a flight at Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.· 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/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.· Learn more about your ad choices: https://www.megaphone.fm/adchoices· Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Orange Cream Soda MocktailIngredients:1/2 cup orange juice1/3 cup lemon-lime sodaWhipped creamOrange slices (to garnish)Instructions:Fill a glass with ice cubes. Add a generous amount of whipped cream on top of the ice. Pour in the orange juice and gently stir. Then pour in the lemon-lime soda until the glass is full. Top with more whipped cream and garnish with an orange slice. 🍊 Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 20, 2023 • 32min
UFO Evidence and Other Conspiracies That Could Be True
It’s all about conspiracies today, people. Rachel and George are discussing delusion, paranoia, and the dark side of the Denver airport. Is there life on other planets? Was JFK really assassinated? We can’t say for sure, but whistle-blowers don’t lie . . . or do they?In this episode:· Rachel’s and George’s hot takes on conspiracy theories· The one conspiracy George admits he does believe in· Popular money conspiracies debunkedHelpful Resources: · 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/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.· Learn more about your ad choices: https://www.megaphone.fm/adchoices· Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: Lemon Pomegranate MocktailIngredients:2 ounces pomegranate juice1 ounce lemon zest simple syrup6 ounces seltzerFresh mint sprig (for garnish) Lemon Zest Simple Syrup:Zest of 1 lemon1/4 cup water1/8 cup sugar Instructions for Lemon Zest Simple Syrup:Simmer 1/4 cup of water over medium heat on the stove. Stir in lemon zest and sugar until sugar is dissolved. (If you want to speed up the process, you can microwave ingredients for about a minute instead). Strain the simple syrup into a small bowl.Instructions for Mocktail:Fill a cocktail glass with ice. Add the pomegranate juice, simple syrup and seltzer. Garnish with a sprig of fresh mint and enjoy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 13, 2023 • 38min
Anti Aging Trends: Can You Afford Eternal Youth?
The longevity industry is booming, and the people want to know: Can a cold cream really take 10 years off your face? What are George and Rachel’s skincare routines? Is vampirism the antiaging of the future? Have we gone too far? We’re talking about all of this and more on this week’s episode of Smart Money Happy Hour.In this episode:· George and Rachel chatting about the high cost of staying young (and whether it’s really worth it)· The reason George doesn’t wash his face· What you should remember when buying antiaging productsHelpful Resources: · Booking a flight at Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.· 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/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.· Learn more about your ad choices: https://www.megaphone.fm/adchoices· Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/compa... This Week’s Happy Hour Special: VesperIngredients:· 3 ounces gin· 1 ounce vodka· 1/2 ounce Lillet Blanc (or dry vermouth)· Lemon peel (for garnish)Instructions: Fill a cocktail shaker with ice. Pour in the gin, vodka and Lillet Blanc, then shake until chilled. Strain the drink into a chilled martini glass. Top with a twisted lemon peel and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices


