Discover the hidden costs of 'harmless' purchases draining your bank account while balancing treats and financial leaks. Hear about personal indulgences like foot massages, book shopping, fancy soap, and gaming expenses. Learn how to shift from surviving to thriving financially and enjoy sweet guilty pleasures like gluten-free snacks and rich dessert drinks.

💵 Sign up for EveryDollar today. Create a free budget! Are we the world’s biggest basketball fans? Not exactly. But we’re always game for a friendly bracket competition! Join Rachel and George for a special round of March MONEY Madness as they debate some of the worst financial products in the world.Next Steps·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. ·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. ·      📱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.Today’s Happy Hour Special 🍸 Grapefruit Jalapeño MocktailRecipe: Allianna's Kitchen Grapefruit MocktailIngredients:·      1 cup grapefruit juice·      1 cup club soda·      1/2 small jalapeño·      1 teaspoon lime juice·      Ice Instructions: Mix grapefruit juice, lime juice and club soda in a glass. Add ice. Garnish with 2–5 jalapeño slices, stir and serve. 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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! What do Smart Money Happy Hour viewers really think about cutting up credit cards, the Baby Steps, and combining finances with their spouse? Tune in to find out! This week, George and Rachel react to your comments and raise their glasses to all the keyboard critics, trolls and BFFs who keep things lively in the comments section. Next Steps·      🎥 Check out the popular video where we explain our most hated financial advice. ·      ➡️ Need a plan for your money? Check out Financial Peace University. ·      📱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.Today’s Happy Hour Special: 🍸Gold RushRecipe by: Difford’s GuideIngredients:·      2 ounces bourbon whiskey·      3/4 ounce lemon juice·      3/4 ounce honey syrup (3 honey to 1 water)·      3 drops saline solution 4:1 (20g sea salt to 80g water) Directions:Serve in an old-fashioned glass. Garnish with lemon wedge. Shake all ingredients with ice and fine strain into ice-filled glass.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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! We admit it: We love saving money! This week, George and Rachel are dishing out some of their favorite legit (and ludicrous) money loopholes, discounts and freebies that you might miss if you don’t read the fine print. (Free refills at Starbucks? Hello!)Next Steps·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. ·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. ·      📱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.Today’s Happy Hour Special 🍸 Grapefruit Coconut CoolerRecipe: Sunny’s Grapefruit-Coconut CoolerIngredients:·      8 ounces Ruby Red or pink grapefruit juice·      2 ounces cream of coconut·      1/2 ounce agave nectarInstructions: Combine the grapefruit juice, cream of coconut and agave in a small pitcher or bowl and stir to blend. Pour into a glass over ice.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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Did your parents give you “the talk” as a kid—the money talk, that is? This week, Rachel and George weigh in on how previous generations have done with teaching their kids about money, and what you need to know to raise your own money-smart kids. 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.Today’s Happy Hour Special 🍸 Oaxaca Old Fashioned (with Mezcal)Recipe by: A Couple CooksIngredients:·      1 1/2 ounces tequila reposado·      1/2 ounce mezcal·      1 teaspoon agave syrup or honey·      3 dashes chocolate bitters (or substitute Angostura bitters)·      Large clear ice cube·      Orange peel, for garnishInstructions:1.    Stir the tequila, mezcal, agave syrup, and bitters in a lowball glass. Add a large clear ice cube.2.    Express the orange peel onto the glass by squeezing it to release the oils. 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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! It’s Smart Money Happy Hour, of course we’re going to take a crack at a fun social media trend and use it to talk about money! This week, Rachel and George put an #OfCourse! twist on things Baby Steps Millionaires do to reach that $1 million milestone and keep building wealth. Shout out to the following creators for their #OfCourse! takes: @kaycegbrown, @dom.domination, @kellymann, @__QueenSie__ and @emyxbudgetsahm.Next Steps·      🎥 Want to do a deeper dive on the Baby Steps? Check out the How to Start Becoming a Millionaire in 2024 episode.·      📗Spark conversations with your kids about contentment with Rachel’s kids book, I’m Glad for What I Have.·      📱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.Today’s Happy Hour Special: 🍸Roseberry Mule MocktailRecipe by: Tasty Ingredients:·      1 handful blackberries·      1 sprig fresh rosemary·      1 tablespoon agave nectar or honey·      1 bottle ginger beer, to taste·      1 ounce lime juice·      Ice Instructions:1.    In a cocktail shaker or a tall glass, muddle blackberries and rosemary.2.    Add sweetener and ice, shake until well combined. (If you do not have a cocktail shaker, simply pour back and forth between two glasses until combined.)3.    Strain mixture over ice and add ginger beer and a squeeze of lime to taste.4.    Garnish with blackberries and a sprig of rosemary.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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Exploring the pros and cons of staying in short-term rentals vs hotels, investing advice for rental properties, in-flight strategies to avoid talkative seatmates, funny travel anecdotes, and a cocktail recipe review at the end.

💵 Sign up for EveryDollar today. Create a free budget!  You can’t buy love . . . but don’t tell that to the guy who spends $499 a month on dating apps! Today, George and Rachel break down the cost of dating and what the average American relationship will cost you over a lifetime. The bottom line: Whether you’re married or single, love is expensive—budget accordingly. Next Steps·      💡 Need some budget-friendly date ideas? Check out 45 Cheap Date Ideas You’ll Actually Want to Go On. ·      💵 Start budgeting today! Go to www.everydollar.com/smartmoney to get started. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.·      📱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.Today’s Happy Hour Special: 🍸 Sparkling Raspberry FloatsRecipe by: RICARDOIngredients:·      2 cups raspberry sorbet·      4 dessert cups, placed in the freezer for one hour or more·      Edible gold leaf glitter·      2 cups (500 ml) ginger aleInstructions:Place a scoop of raspberry sorbet at the bottom of each dessert or martini glass. Sprinkle with gold leaf glitter.Pour ginger ale in small glasses and serve alongside sorbet.Let each person pour soda over sorbet. 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📈 EntreLeadershipRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Why are wealthy people dressing like they have no money while broke people are trying to dress like they live at the Biltmore? In this episode, George and Rachel break down the latest fashion trends, how they affect your bank account, and why we tend to want what we don’t have. In this episode:·     Why trendy things will never be worth what you pay for them, like the Stanley tumbler in cosmo pink·     Money advice that will always be in style: Spend wisely and don’t go into debt for anything (especially clothes!)·     George and Rachel reveal their worst fashion moments (Carhartt overalls are mentioned—and not by George)Resources:  ·     Want to make real progress with your money? Get tickets to Total Money Makeover Weekend today.·     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.·     Learn more about your ad choices: https://www.megaphone.fm/adchoices·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: Maple ManhattanRecipe by Flour ChildIngredients:·     1 jigger bourbon·     1/2 ounce sweet vermouth·     1 tablespoon maple syrup·     2–3 dashes angostura bitters·     1–2 Luxardo cherries Instructions:1.    Add one scoop of fresh ice to a cocktail shaker.2.    Pour in all ingredients.3.    Shake for about 20 seconds and then strain into a cocktail or coupe glass.4.    Garnish with a Luxardo cherry. Learn more about your ad choices. Visit megaphone.fm/adchoices

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.https://bit.ly/3U2zLeP·      Learn more about your ad choices: https://www.megaphone.fm/adchoices·      Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: Mojito MocktailRecipe by Culinary HillIngredients:·      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. Learn more about your ad choices. Visit megaphone.fm/adchoices