Some things we’ve just gotten used to—like $4 coffee, the F-bomb on TV, and your cousin Fred oversharing on Facebook. But has our nothing-shocks-us society also desensitized us to the effects of living in debt? George and Rachel weigh in. Join them for a New York twist on a classic cocktail and smart money tips to ditch debt and build wealth. In this episode: Things we should find shocking, like a $500 car payment and retiring with a mortgage Sputnik, “Carmageddon” and the gateway drug to debt: the credit score The antidote to overspending (so you can enjoy what you have now while you work for the things you want later) 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. 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/adchoicesRamsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: New York SourIngredients: 2 ounces bourbon 1 ounce lemon juice 1/2 ounce simple syrup 1 egg white 2 dashes angostura bitters 1/2 ounce claret wine Instructions: Add the bourbon, lemon juice, simple syrup and egg white into a shaker with ice. Shake it vigorously until it's chilled. Then strain the mixture into a rocks glass over fresh ice. Slowly pour the claret wine over the back of a bar spoon so the wine floats on top of the drink. Voilà! Sip your sour in New York style. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you shop like the cool kids? Join Rachel and George for a breakdown on the brands and stores American teens loved in 2023 and the cash app they used to pay for it all. (Caution: This episode contains high levels of nostalgia. Side effects may include sudden reminiscing and an overwhelming urge to say, “Back in my day . . .”)In this episode:·   What the average teen spends $200 a month on·     Rachel explains physical cash to teenagers and why it’s better than digital·     The biggest money trap teens are falling for and how to help your kids avoid themResources:  ·     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/company/policies/privacy-policy This Week’s Happy Hour Special: Spicy Pineapple Ginger MocktailRecipe by Ramona Cruz-Peters at FabEverydayIngredients:·     Ice, for shaker and for glass·     3 ounces pineapple juice, plus more for rimming·     1 ounce agave nectar·     1/2 teaspoon chili powder·     Ginger beer, chilled (for top off)·     Tajin seasoning, for rimming·     Small pineapple wedge, for garnish (optional)·     Whole Thai chili pepper or thinly sliced jalapeno, for garnish (optional) Instructions:Add 3 ounces pineapple juice, agave nectar, and chili powder to a cocktail shaker filled with ice. Cover and shake until the ingredients are well mixed and chilled.Place additional pineapple juice on a small saucer or plate. Place the Tajin seasoning on a separate small plate. Dip the rim of a rocks glass in the pineapple juice, followed by the Tajin to coat the rim.Pour ice into the glass, then pour the pineapple mixture over the ice. Top off with ginger beer.If desired, garnish with a small wedge of pineapple and a chili pepper (or a few slices of jalapeno). Learn more about your ad choices. Visit megaphone.fm/adchoices

Think you’ll never make it to $1 million? Think again! This week, George and Rachel break down the proven path to this iconic financial milestone and bust some myths about the lifestyles that everyday millionaires (like themselves) actually live. Listen in to learn how you can get one step closer to millionaire status in 2024!In this episode:·     One of the most epic moments in 1990s game show history·     The top five (surprisingly normal) careers of millionaires in the U.S.·     The exact steps both Rachel and George took to become net-worth millionairesResources:  ·     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.·     Preorder George’s new book, Breaking Free From Broke, today!·     Learn more about your ad choices: https://www.megaphone.fm/adchoices·     Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policyThis Week’s Happy Hour Special: Kir RoyaleIngredients:·     4 ounces champagne·     1 ounce of crème de cassis·     3 raspberries Instructions: Add the crème de cassis to a champagne flute and then top with the champagne. Skewer the raspberries on a toothpick to garnish (or keep it simple and just drop them in your glass). Enjoy! 🥂 Learn more about your ad choices. Visit megaphone.fm/adchoices

Resolution #1: Don’t fall for the hype! Just in time for 2024, Rachel and George are here to protect your budget (and your sanity) from the Internet trends and must-have products that don’t pay off—and green-light some that do. In this episode:·      Is Taylor Swift really worth her weight in gold?·      George throws some shade on the TikTokers·      Why paying with cash (and resisting an impulse buy) is always cool Resources:  ·      Pre-order George’s new book, Breaking Free From Broke, today.·      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/company/policies/privacy-policy This Week’s Happy Hour Special: Smoked Campfire MuleIngredients:·      1 1/2 ounces bourbon·      1/2 ounce of lemon juice·      1/4 ounce of maple syrup·      4 ounces of ginger beer·      1 toasted marshmallow (for garnish)·      Wood chips (for smoking) Instructions: Before mixing the cocktail, smoke the glass. (Pro tip: The smoke will stick better to a chilled glass.) Light the ingredient that you’re smoking (we used a few wood chips) with a match. Turn your chilled glass upside down over the smoke and allow it to fill the interior of the glass. Leave your glass upside down over the smoke and start making your cocktail. Add the bourbon, lemon juice, maple syrup and ice into a shaker, then shake until chilled. Strain the liquid into the smoked glass and top with ginger beer. Garnish with a toasted marshmallow (use a kitchen food torch to toast it) and cheers to 2024! Learn more about your ad choices. Visit megaphone.fm/adchoices

Put your tray tables up and hold on to your drinks, George and Rachel are taking you on a world tour of the national holidays that you never knew existed (plus a few that you did) and sharing their money-related hot takes along the way. Grab your party hat and join the fun because, hey, it's a holiday somewhere!In this episode:·     George is cast as Grinch—or is he Scrooge?·     The fast-food favorite that the Japanese eat every Christmas Eve·     A holiday reminder not to let “December you” financially sink “January you” 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. Get Telestrations 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 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.·     Pre-order George’s new book, Breaking Free From Broke, today!·     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: Christmas MocktailRecipe from Love Bakes Good CakesIngredients:·     Ice·     2 ounces cranberry juice·     2 ounces apple cider or apple juice·     1 ounce orange juice, fresh squeezed·     2 ounces ginger aleInstructions: Fill a tall glass with ice. Add the cranberry juice, apple cider, and orange juice, stir to combine. Top with ginger ale. Serve with garnishes of your choice.Notes: This can also be made in a large pitcher. Keep the measurements the same, 2 cranberry juice, 2 apple cider, 2 ginger ale, to 1 orange juice. Want to add alcohol? Gin, vodka, rum, or tequila are all good choices! Learn more about your ad choices. Visit megaphone.fm/adchoices

Ho ho ho? Oh no no no. Rachel and George look back on live calls from The Ramsey Show that they wish they’d handled differently. Stay tuned for a budget-friendly cocktail and money advice served up with a twist of #noragrets. In this episode:·     The one where George put (the horse’s) foot in his mouth·     The one where Rachel gets corrected on air·     George and Rachel redeem themselves with quick thinking and solid money advice in an exciting round of “Don’t Get Buzzed!” Resources:  ·     Listen to or watch The Ramsey Show now.·     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. Get Telestrations at Walmart 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/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.·     Pre-order George’s new book, Breaking Free From Broke, today!·     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: Bourbon Apple Cider MimosaIngredients:·     1 ounce bourbon·     2 ounces apple cider·     3 ounces champagne·     caramel sauce·     apple slices (optional)Instructions: Rim the champagne flute with caramel sauce. Pour in the bourbon, add the apple cider, and top it off with the champagne. Garnish with a few thin apple slices, take a sip, and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Have more money and less stress! Preorder Breaking Free From Broke for just $20 and get $100 of bonus items! But hurry—this limited time offer ends 1/15/2024. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve got champagne taste on a beer budget, this is your wake-up call! George and Rachel share their hot takes on things people do that scream, “I’m bad with money!” If any of this sounds familiar to you, don’t panic. Stick around for smart money advice—and even a cocktail you can afford.In this episode:·      George’s hot takes on babies in designer clothes, broke people getting tattoos, and “shopping” at Rent-A-Center·      Why an “I can afford the payments” mentality is risky·      Encouragement that it’s not too late to develop a smart money mindsetHelpful 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. Get Telestrations 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 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.·      Pre-order George’s new book, Breaking Free From Broke, today!·     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: Neptune’s GardensRecipe by @speakeasierukIngredients:·     1 1/2 ounces tequila·     3/4 ounce lime juice·     1/2 ounce elderflower liqueur·     1/2 ounce blue curacao·     1 egg whiteInstructions: Combine the ingredients in cocktail shaker and shake well. Strain it into a chilled glass and enjoy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a smart spender or a stingy cheapskate? Rachel’s mom, Sharon—the OG budgeting queen—joins the show to give her two cents (but not a penny more). Sharon helps George and Rachel give advice to listeners who are wondering if their “frugal” habits have gone too far.In this episode:·      Dear Sharon: an exclusive advice column segment featuring everyone’s favorite Ramsey family member·      The wildest things all three hosts (and others) have done to save a buck·      How to know if you’re being ridiculous about budgeting or being wise with your moneyHelpful Resources:  ·       Start making memories. Go NOW and get Telestrations at Walmart!·      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.·      Pre-order George’s new book, Breaking Free From Broke, today!·      Learn more about your ad choices·      Ramsey Solutions Privacy PolicyThis Week’s Happy Hour Special: Dirty MartiniIngredients:·      2 1/2 ounces vodka·      1/2 ounce dry vermouth·      1/2 ounce olive brine·      3 olives for garnishInstructions:Fill a shaker with ice, then add the vodka, vermouth and olive brine. Shake until well chilled (about 15–20 seconds). Using a fine mesh strainer, double strain the liquid into a chilled cocktail glass. Garnish with a skewer of olives Learn more about your ad choices. Visit megaphone.fm/adchoices

It just so happens that you can learn a lot about someone by looking at their Amazon purchase history. Who knew? In this episode, you’ll learn a lot about George and Rachel as they entertain you with a few gems from their own purchase histories (including their very first Amazon buys). Plus, they’ll weigh in with a few tips to shop smart online—during the upcoming holiday sales or any time.In this episode:·      The Amazon purchases George and Rachel made because they were “influenced”·      Rachel’s “add to cart” rule·      George never spends money to do this one thingHelpful Resources:  ·     Pick up a copy of George’s new book , Breaking Free From Broke.·     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. Get Telestrations at Walmart.·     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/company/policies/privacy-policy This Week’s Happy Hour Special: Rosemary Pear MocktailRecipe by Mash & SpreadIngredients (makes 1 cocktail):For the rosemary syrup:·     1 cup sugar·     1 cup water·     2–3 sprigs fresh rosemaryFor the mocktail:·     ice·     4 tablespoons pear juice·     1 tablespoon rosemary simple syrup·     1 teaspoon lemon juice·     6 tablespoons sparkling water·     Sliced pear (for garnish)·     2–3 sprigs thyme (for garnish) Instructions:For the rosemary syrup:Combine sugar and water in a pot and cook over medium heat. Cook until sugar is completely melted/dissolved. Turn off heat and allow mix to cool with rosemary sprigs. Once cooled, remove the rosemary sprigs and set syrup aside.For the mocktail:Fill glass halfway with ice. Pour pear juice, rosemary simple syrup, lemon juice and sparkling water. Garnish with fresh pear slices or sprigs of thyme. Learn more about your ad choices. Visit megaphone.fm/adchoices