💵 Sign up for EveryDollar today to create a free budget! We’ve all been guilty of some “stupid tax” moments, like that time you spent $75 on a velvet cat pillow (that you didn’t even use). In this episode, Rachel and George confess a few of their own epic money fails and react to some of yours! 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. Offers From Today’s Sponsors·      This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍸 PalermoRecipe: Difford’s Guide Ingredients:·      1 1/2 ounces vanilla rum·      1 ounce sauvignon blanc wine·      1 1/4 ounces pineapple juice·      1/4 ounce sugar syrup·      Ice·      1 pineapple wedge, for garnishInstructions: Shake all ingredients with ice and fine strain into a chilled coupe glass. Add a pineapple wedge on the rim to garnish. Enjoy!  Explore More Shows 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

💵 Start your free budget today. Download the EveryDollar app! Did you know there’s one expense that no one on the planet can avoid? And what if we told you the cost of that thing has risen by 26% in the last two years alone? If you’re starting to spiral, don’t panic! Today we’re talking grocery shopping pet peeves, takeout tips and other money and life hacks that can help.  Next Steps 🛒 Use Rachel’s Meal Planner & Grocery Savings Guide to get organized and save money at the store. 📱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.  Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔓 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.  Today’s Happy Hour Special:🍹 Sparkling Rosemary Peach MocktailRecipe courtesy of Cake n Knife ·      5 sprigs rosemary·      1/2 cup sugar·      1/2 cup water·      1/2 chopped peach ·      4 ounces lemon juice·      1 cup ice·      club soda Instructions: Boil rosemary, sugar and water. Cover and let steep for 15-30 minutes. Strain and let simple syrup cool completely. Muddle peaches with lemon juice and rosemary simple syrup. Fill glass with ice. Strain mixture into a separate glass, 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

 💵 Sign up for EveryDollar today to create a free budget!Are there things in life you wish you’d known sooner? Well, you’re in luck! Rachel and George are here with important life and finance lessons, revealing things they wish they’d known in their 20s.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.🎥 Watch our video where we break down the realities of adulting!Offers From Today’s SponsorsThis episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoneyToday’s Happy Hour Special: 🍾 Bourbon Hugo SpritzRecipe: @kristiwithatwist • 1 ounce bourbon• 1 ounce elderflower liqueur• 3 ounces prosecco• 2 ounces soda water Instructions: Fill a glass with ice and add bourbon and elderflower liqueur. Top with prosecco and soda water, then stir. Garnish with an optional lime wheel and mint sprig 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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget!Consider this episode your crash course in investing! We get it—investing can be confusing. But don’t worry, Rachel and George are here to break it all down for you in a way that’s so simple even a five-year-old could understand.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.🎥 Check out our video where we explain our most hated financial advice.💰 Use the Ramsey Investment Calculator to find out your earning potential! 💸 Find an investing pro today!Offers From Today's SponsorsThis episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍋‍🟩 Moscow MuleRecipe: Difford’s Guide Ingredients:• 2 ounces vodka• 1/2 ounce lime juice• 1/3 ounce sugar syrup• 3 ounces ginger beer• Ice Instructions: In a copper mug, stir together vodka, freshly squeezed lime juice, and sugar syrup. Then, add ice so it fills the mug two-thirds of the way and top with ginger beer. For added flair, serve with an optional lime slice and mint sprig.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 PodcastRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget!Rachel and George have a hot topic on the agenda for this episode: Are Gen Zers just millennials . . . rebranded? Trends, tech, money habits—they’re comparing it all to find out if there really is a clear divide or if it’s just one big generational blur.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.🎥 Check out this episode to find out what today’s teens are spending their money on.Offers From Today’s SponsorsThis episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney.  Today’s Happy Hour Special: Juicy Julep MocktailRecipe: Completely Delicious ·      1 ounce pineapple juice·      1 ounce orange juice·     1 ounce lime juice·      1 teaspoon fresh mint·      Ginger ale (to top off)·      Ice Instructions: Add ice, pineapple juice, orange juice and lime juice to a glass. Top with ginger ale and mint leaves, and stir to combine. Serve right away, garnished with fresh mint. 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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!In this episode, Rachel and George explore the realities of adulting. Spoiler alert: It’s not all fun and games, especially when it comes to those sneaky, money-related expenses. But, before you get too down, stick around because they’re sharing a special tip to instantly make adulthood less depressing!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.🎥 Go to our video on Did You Get “The (Money) Talk” as a Kid?🗞️ Read George’s article, “Why Do I Owe Taxes This Year? 6 Common Reasons”💛 Pick up a copy of Rachel’s new children’s book, I’m Glad for Where I Am.🛳️ Book your cabin! Join Dave and the Ramsey Personalities for a luxurious celebration of financial freedom aboard the Live Like No One Else Cruise!👩🏽‍💻 Are you protected with the right insurance? Find out with our online Coverage Checkup.🚑 Get covered! Find a RamseyTrusted insurance pro at Zander Insurance. 🖋️ Create your legally binding will using our online will-maker, powered by Mama Bear Legal Forms.  Offers From Today’s SponsorsThis episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.  Today’s Happy Hour Special: 🍋‍🟩 Reddish RitaRecipe courtesy of our Smart Money Happy Hour mixologist1 ounce of reposado tequila1 ounce of blanco tequila3-4 ounces of orange liqueur1 ounce of lime juice1/2 ounce of agave nectarInstructions: In a cocktail shaker, combine reposado tequila, blanco tequila, orange liqueur, lime juice and agave nectar. Add ice and shake vigorously until well chilled. Strain the mixture into a salt-rimmed glass 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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!It's Independence Day and Rachel and George are celebrating in true Smart Money Happy Hour style—with patriotic cocktails and a little chat about financial independence. Is it a realistic goal, or should you aim for financial peace instead? They'll answer these questions on financial dependencies and more.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.🎥 Go check out our video on navigating awkward money conversations.Offers From Today's SponsorsThis episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🇺🇸 American CollinsRecipe: The Spruce Eats1 1/2 ounces of gin3/4 ounce of simple syrup3–4 ounces of club soda1/2 ounce of lemon juice8 blueberries4 cherriesInstructions: In a collins glass, muddle blueberries, cherries, simple syrup and lemon juice. Then, add the gin and fill the glass with ice. Stir briefly and top with club soda. Garnish with a cherry and a lemon wheel 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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!We’re all guilty of the occasional little white lie, but are they as harmless as they seem? Today, Rachel and George discuss how these fibs could actually be dipping into your wallet without you even noticing. Join them for a look at the financial impact of our everyday words.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.🎥 Check out George’s video where he breaks down investing for beginners.💰 Navigate your investments with expert guidance from a SmartVestor Pro.Offers From Today's SponsorsThis episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍋 Creamy LemonadeRecipe: Every Little CrumbServings: 6 Ingredients:• 1/2 can sweetened condensed milk• 1 cup lemon juice• 3 cups cold water• 2 cups ice Instructions: In a pitcher, whisk together the lemon juice and sweetened condensed milk. Add the cold water and stir, and then add the ice. For added flair, serve with extra lemon slices and optional mint leaves 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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget!Are "Get Ready With Me" videos filling your feed? Join George and Rachel as they explore the internet's latest obsession with watching strangers’ routines, explain how it fuels comparison culture, and offer some helpful tips to keep your spending safe from viral trends.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.🎥 Watch George and Rachel break down bad habits that are hurting your wallet. Offers From Today's SponsorsThis episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🥃 Maple Bourbon SourRecipe: Joy + Oliver Ingredients:• 1 1/2 ounce bourbon• 3/4 ounce lemon juice• 3/4 ounce maple syrup• 4 ice cubes• 1 rosemary sprig Instructions: In a cocktail shaker, combine the bourbon, lemon juice and maple syrup and fill with ice. Shake until fully combined and pour into your favorite cocktail glass. Garnish with fresh rosemary 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

💵 Sign up for EveryDollar today. Create a free budget! Ever feel like “going on vacation” is more work than rest? From booking flights to wrangling kids to drowning in laundry when you get home—it feels like the pre-trip to-do list never ends! So today, George and Rachel are digging into the true cost of rest when it comes to your time, relationships and most importantly, your money. Next Steps 🖥️ Sign up for FPU to start making progress with your money goals. 💸 Get your sinking fund questions answered with this step-by-step article. 🏖️ Get the scoop on the rise and fall of short-term vacation rentals. 📱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.  Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.   Today’s Happy Hour Special: Orange Creamsicle CocktailRecipe: StyledByDaisies.com Ingredients: ·     2 ounces whipped vodka·     1 ounce Cointreau·     2 ounces orange juice·     1.5 ounces heavy cream·     1 orange sliceInstructions: Add vodka, orange liqueur, orange juice, heavy cream and ice to a cocktail shaker. Shake for 15-30 seconds. Pour all contents into a cocktail glass, add more ice if needed, garnish with a fresh orange slice and enjoy!Listen to More From Ramsey Network 🎙️ The Ramsey Show  🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership  Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices