Aug 29, 2024 · 33 min
SM
Business
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.
- 205 episodes
- Updated Thursday
Episodes205
- SMAug 22, 2024 · 37 min
Will This “New” Shopping Tactic Actually Save You Money?
We all love a good BOGO, but can you really spend your way into saving more? In this episode, Rachel and George help you identify common “spaving” tricks you may be falling for and how to break the cycle!
- SMAug 15, 2024 · 30 min
Sharing Our Dumbest Money Mistakes (and Reacting to Yours!)
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!
- SMAug 8, 2024 · 36 min
The #1 Budget Buster That No One Can Avoid
💵 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 Mocktail Recipe 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
- SMAug 1, 2024 · 40 min
Life (and Money) Tips We Wish We Knew in Our 20s
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.
- SMJul 25, 2024 · 36 min
Challenge: Explaining Investing “Like I’m 5 Years Old”
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.
- SMJul 18, 2024 · 33 min
Generational Money Trends: Who’s Got It Right?
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.
- SMJul 11, 2024 · 39 min
Financial Realities You Learn as an Adult
💵 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 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 joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍋🟩 Reddish Rita Recipe courtesy of our Smart Money Happy Hour mixologist 1 ounce of reposado tequila 1 ounce of blanco tequila 3-4 ounces of orange liqueur 1 ounce of lime juice 1/2 ounce of agave nectar Instructions: 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 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- SMJul 4, 2024 · 42 min
Is Chasing “Financial Freedom” Really Worth It?
💵 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 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 joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🇺🇸 American Collins Recipe: The Spruce Eats 1 1/2 ounces of gin 3/4 ounce of simple syrup 3–4 ounces of club soda 1/2 ounce of lemon juice 8 blueberries 4 cherries Instructions: 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 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- SMJun 27, 2024 · 31 min
Are You Guilty of Telling These White (Money) Lies?
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.
- SMJun 20, 2024 · 42 min
Why “Get Ready With Me” Videos Are Costing You $$$$
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.
- SMJun 14, 2024 · 33 min
What Are “Vacations” Really Costing You?
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.
- SMJun 6, 2024 · 34 min
Should We Sell It All and Be Homesteaders?
💵 Sign up for EveryDollar today. Create a free budget! Ever think about turning your back on city life for wide, open spaces and self-sufficiency? From trendy aesthetics to what it really costs to live off the land, Rachel and George are exploring the allure of homesteading to see if the simple life truly is better. 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. · 🎓 Learn to win with money by enrolling in Financial Peace University. 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: Earl Grey Tea and Tonic Mocktail 🍸 Recipe: Simply Recipes Ingredients: Earl Grey Tea Syrup · 1 cup sugar · 1/2 cup water · 2–3 Earl Grey tea bags Mocktail · 3/4 ounce Earl Grey tea syrup · 1/2 ounce freshly squeezed lemon juice · 3–4 ounces tonic water · 8 ounces crushed ice Instructions: To make the syrup, combine the water and sugar and bring it to a boil, then remove from the heat. Add the tea bags to steep and let it cool in the fridge for 30 minutes. Fill a highball glass with ice, then pour in the cooled syrup, lemon juice and tonic water. Gently 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 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- SMMay 30, 2024 · 46 min
Extreme Makeover: Personal Finance Edition
💵 Sign up for EveryDollar today. Create a free budget! In this week's episode, George and Rachel are giving financial transformations a nostalgic twist by channeling early 2000s makeover shows, complete with dramatic "before and after" reveals. 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. 🎓 Learn to win with money by enrolling in Financial Peace University. 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 http://joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍸 Strawberry Basil Martini Recipe: Styled by Daisies Ingredients: 2 ounces gin 3/4 ounce strawberry simple syrup 4 basil leaves 1 ounce lemon juice 1 egg white Instructions: In a cocktail shaker, combine the gin, strawberry syrup, lemon juice, basil, and egg white. Dry shake, add 5–7 cubes of ice, then shake again. Strain into a chilled martini glass and garnish with a strawberry slice. 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
- SMMay 23, 2024 · 28 min
Money Motives Hidden in Shocking True Crime Stories
Ever wonder how far some people will go for money? Join George and Rachel as they unravel the dark side of money psychology and its gripping ties to true crime. From insurance payouts to money laundering, they’re uncovering what makes money a motive for crime.
- SMMay 16, 2024 · 21 min
Can You Answer This Money Trivia?
If “financial literacy” is as foreign to you as our obsession with avocado toast, that could cost you a lot more than an embarrassing moment at brunch. Join Rachel and George for a breakdown of all the financial terms you need to know. But don’t worry, they’ll be attempting some random trivia of their own.
- SMMay 9, 2024 · 37 min
Are These Status Symbols Timeless or Tired?
What do puka shells, water beds and lifted trucks have in common? They’re all status symbols (or were at some point). In this episode, Rachel and George will unpack the most popular and bizarre status symbols from throughout history and around the world. They’ll also reveal which ones are worth pursuing—and how to not break the bank in the process.
- SMMay 2, 2024 · 33 min
Celebrating Birthdays Without Breaking the Bank
💵 Sign up for EveryDollar today. Create a free budget! Cue the confetti! What better way to celebrate Rachel's and George’s birthdays than with some birthday-themed trends and trivia, the birthday freebie list that dreams are made of, and affordable gift ideas. Plus, they’ll give their best tips for throwing a birthday bash on a budget. Next Steps · 📘 Check out Rachel’s newest book for a sweet way to talk to your kids about the most important gifts in their lives. · 💵 Start budgeting today! Go to everydollar.com/smartmoney to get $15 off the premium version of 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 🍸 Paper Plane Recipe: Liquor.com Ingredients: · 3/4 ounce bourbon · 3/4 ounce Aperol · 3/4 ounce Amaro Nonino Quintessentia · 3/4 ounce lemon juice, freshly squeezed · Ice Instructions: Add the bourbon, Aperol, Amaro Nonino and lemon juice into a shaker with ice and shake until well chilled. Strain into a coupe 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 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- SMApr 25, 2024 · 28 min
Today Year’s Old: Surprising Money Facts Everyone Should Know
💵 Create a free budget. Sign up for EveryDollar today! You were “today years old” when . . . you learned about catch-up contributions, HSA benefits and the scam of genuine leather. Today we’re spilling all the tea on money (and life) lessons we learned too early, too late or right on time. Next Steps 📗 Order George Kamel’s new book, Breaking Free From Broke. https://store.ramseysolutions.com 📱 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 ☕️ The BEST Espresso Martini Mocktail Recipe: Entirely Elizabeth Ingredients: - 4 ounces cold brew concentrate - 2 ounces heavy whipping cream - 2 ounces simple syrup - 1/4 teaspoon vanilla extract - 1 pinch of salt - 1 tablespoon cocoa powder - 2 coffee beans - Ice Instructions: Add cold brew concentrate, heavy whipping cream, simple syrup, vanilla extract and salt to a cocktail mixer and shake with ice. Coat the rim of a glass with simple syrup and cocoa powder. Pour coffee mixture into the glass. Garnish with coffee beans on top. 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
- SMApr 18, 2024 · 36 min
Frugal Fails that Might Actually Ruin You
We love a heroic attempt to save money! Until it backfires. (Let’s be real: We’ve all botched at least one DIY project.) Join Rachel and George for a relatable recap of the internet’s best frugal fails and find out where penny pinching might cost you more in the long run!