Smart Money Happy Hour

This Will Change Your Perspective on Money 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

That's Financial Infidelity! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Do we have something to learn from the world’s richest people, or did they just get lucky? They may be good with money, but will their advice work for you too? Tune in to find out! Rachel and George are reacting to money quotes from some of the wealthiest people in the world, like Elon Musk, Jeff Bezos and Oprah (just to name a few). In this episode: • The ultimate (first-ever) game of Pin the Quote on the Billionaire • What we all have in common with Kim Kardashian • Billion-dollar advice you can take to the bank Helpful 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. • 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: Brazilian Lemonade Ingredients: • 1 1/2 limes • 4 tablespoons granulated sugar • 1/2 cup sweetened condensed milk • 3 cups water • 2 ounces rum Servings: 3 to 4 Instructions: Wash the limes. Then, throw the water and the limes (rinds and all) into a blender. Blend until there are no chunks, then strain it through a fine mesh strainer. Return liquid to the blender and add the sugar, rum and sweetened condensed milk. Blend it again, then serve over ice. Garnish with a lime wheel and some mint. Enjoy! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

The upper class is playing the victim—and we’re not buying it. Listen as Rachel and George channel their inner Kourtney Kardashian and give six-figure earners the sisterly wake-up call they need. Plus, how much margin does the average American have in their budget compared to someone with a $175,000 salary? In This Episode: • The meaning of “poor” and why the wealthy feel this way • George’s history with nonslip pet ramps and Rachel’s iconic Kristin Wiig impression • The ultimate budget showdown: $59,000 vs. $175,000 (who runs out first?) Helpful Resources:   • Start making memories. Go NOW and get Tapple at Walmart! https://www.walmart.com/ip/Tapple-Word-Game/779848076 • Booking a flight with Going is the best and simplest way to pay less to travel more. Sign up for free today at Going.com/smartmoney. • Get your finances organized, make a plan, build up 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. • Enter the Ramsey Cash Giveaway for a chance at $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   This Week’s Happy Hour Special: Citrus Smash Recipe from A Pinch of Adventure Ingredients: • 1 tbsp lemon curd • 1 tbsp simple syrup • Club soda or seltzer • Fresh mint leaves • Sliced lemon • Ice Instructions: Put about six mint leaves, four slices of deseeded lemon, simple syrup and lemon curd in a highball glass. Muddle together. Add ice and pour over club soda. Garnish with fresh mint and enjoy! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Cocktails, quizzes, condiments and more! Find out how well you’re doing financially (and what to do about it) by taking George and Rachel’s Buzzfeed-inspired quiz. And don’t worry, this isn’t one of those money quizzes that will put you in a dark place—we promise. In this episode: - George and Rachel sip this week’s cocktail with bravery and, once again, discuss George’s first CD. - Which condiment are you? (And other bizarre Buzzfeed quiz topics) - George and Rachel lead you through the Ramsey money quiz and tell you what to do next based on your score. See the BuzzFeed quiz here: https://www.buzzfeed.com/angelicaamartinez/starbucks-budget-quiz-20 • Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games! https://theop.games/products/tapple-fast-word-fun-for-the-whole-family?_pos=2&_sid=6d2a5b782&_ss=r • Booking a flight with Going is the best and simplest way to pay less to travel more. Sign up for free today at: https://www.going.com/smhh?utm_source=podcast&utm_content=smhh&utm_medium=cpc&utm_campaign=reg_ua_cpc_us_web_mul_acq_pod_oth_none_smhh • 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. This Week’s Happy Hour Special: Crown Stag Cocktail Ingredients: 5/6 ounces Chambord raspberry liqueur 1 1/4 ounces Jägermeister 1 1/4 ounces vodka Instructions: Combine all ingredients in ice-filled glass, garnish with lemon, and enjoy! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

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! • 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: Mexican Surfer Ingredients: 2 ounces reposado tequila 1 1/2 ounces pineapple juice 1/2 ounce lime cordial (aka sweetened lime juice) Instructions: Combine all your ingredients in a cocktail shaker with ice and shake. Strain the liquigd into a chilled coupe glass. Add a lime slice for garnish and hang loose! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

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. • 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 Mocktail Ingredients: 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. 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

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 today Helpful 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. • Watch this Walter Cronkite clip: https://twitter.com/UmarHistory/status/1576525269925781504" • 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 Carré Ingredients: • 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! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

George and Rachel answer your burning question: “Am I the jerk?” These 100% real scenarios include secret credit cards, trips overseas, a husband with a “you break it, you buy it” attitude, and so much more. George and Rachel decide whose spicy spending secrets make them guilty, including: • A husband who has his wife’s paycheck deposited into his account • A wife who secretly paid off her car • A couple doing the ol’ takesies backsies on a money deal they made with family 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 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: Watermelon Mojito Mocktail Ingredients: • 3 cups chopped watermelon • Juice of 2 limes • 1 1/4 teaspoons sugar • 4 fresh mint leaves • Ginger ale • Club soda Instructions: In a glass, muddle two mint leaves with 1/4 teaspoon of sugar, then set that to the side. In a blender, add the watermelon, lime juice and a teaspoon of sugar and blend until smooth. Once it’s well blended, strain out all the watermelon pulp and fill your prepared glass about half full with the watermelon puree. Add ice and a splash of ginger ale, then fill the rest of the glass with club soda. Stir, then garnish with mint sprig and a slice of watermelon if desired. 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

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 Sparkler Recipe by Elliot Clark, @apartment_bartender Ingredients: • 2 ounces gin • 1/2 ounce ginger liqueur • 1/2 ounce strawberry syrup 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

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 Drink Ingredients: • 1 ounce whipped cream vodka • 2 ounces Sprite • 1 ounce dragon fruit juice • A dash (or more) of edible glitter Instructions: 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!

Man Or Woman: Who Pays? 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

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:   • 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 Mocktail Ingredients: 1/2 cup orange juice 1/3 cup lemon-lime soda Whipped cream Orange 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. 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

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 debunked Helpful 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 Mocktail Ingredients: Lemon Pomegranate Mocktail 2 ounces pomegranate juice 1 ounce lemon zest simple syrup 6 ounces seltzer Fresh mint sprig (for garnish) Lemon Zest Simple Syrup Zest of 1 lemon 1/4 cup water 1/8 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. 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

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 products 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: Vesper Ingredients: • 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! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

What do the highest paid celebrities, the International Space Station, and the George Foreman grill have in common? They all earned pop culture money superlatives from George and Rachel in this week’s special edition. In this episode: • Rachel and George’s high school superlatives revealed • On-point assessments of our most beloved products, entertainment and celebrities • The shocking credit limits consumers can get, plus a breakdown of consumer debt 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: Sloe Gin Fizz Ingredients: 1 1/2 ounces sloe gin 1/2 ounce lemon juice 1/2 tablespoon powdered sugar 4 ounces champagne Instructions: Fill a cocktail shaker halfway with ice. Add the sloe gin, lemon juice and powdered sugar, then shake vigorously until chilled. Strain the cocktail into a glass, add ice if desired, and top with champagne. Cheers! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Most people think the hard part about getting rich is figuring out how to make a ton of money—but the real challenge might be learning to manage your money well. Today, George and Rachel react to the ways celebrities spent their first paychecks and ponder whether money makes us who we are or if it simply reveals what’s already there. In this episode: • Rachel’s crappy first paycheck and how George scored $12 an hour as a 14-year-old • The emotional roller coaster of the average American’s payday weekend—and a better way to payday • George and Rachel try to figure out how one celeb dropped $15K at The Cheesecake Factory Helpful 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: The Mint Julep Ingredients: • 2 ounces bourbon • 1/4 ounce simple syrup • 8 mint leaves • Garnish: mint sprig • Garnish: Angostura bitters (optional) Instructions: In a copper mug (or a Julep cup), gently muddle the mint leaves in the simple syrup. Pour in the bourbon, then fill the glass with crushed ice. Stir until your mug gets a little frosty. Garnish with a mint sprig and a few drops of bitters and you’ll be off to the races. 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Sudden Revelation About Seinfeld! (Who Knew..?) 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Why We Don't Believe In Credit Cards 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Our Favorite Friends Characters 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Oxygen bars, PH balanced water . . . Are they scams, or are they for real? Food delivery every night? Are these ridiculous things to spend money on? Let George and Rachel be the judges. In this episode: • The bougie things Rachel and George (over)pay for • How to know if you’re splurging for the right reasons • What Rachel spent money on that made Dave threaten to pull her college tuition Helpful 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 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: The Bees Knees Ingredients: • 3 teaspoons honey syrup • 2 teaspoons orange juice • 2 ounces dry gin • Juice from 1/2 a lemon (about 1 1/2 tablespoons) • Lemon twist (for garnish) Instructions: Fill a cocktail shaker with ice. Pour in the honey syrup, orange juice, lemon juice and gin. Fasten the lid and shake until it’s nice and cold. Pour the mixture into a glass, finish it with a fruit carving—err, twist of lemon—and enjoy! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

You can’t be everyone’s cup of tea, but you can always show up with a good cocktail! Rachel and George are responding to the loudest, most common criticisms they receive. Haters gonna hate—but we’re okay with that. In This Episode: • Rachel shocks modern women everywhere with her joint bank account stance. • George defends his frugal eating in vs. eating out strategy. • Rachel and George read “mean tweets” about themselves (Jimmy Kimmel style). Helpful Resources:   • Get your finances organized, make a plan, build up 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. • Enter the Ramsey Cash Giveaway for a chance at $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   This Week’s Happy Hour Special: The Roy Rogers Ingredients: • 6 ounces cola • 1 tablespoon grenadine syrup • Maraschino cherry (for garnish) Instructions: Pour grenadine into tall glass filled with ice. Top with cola. Garnish with a maraschino cherry and enjoy! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Rachel Cruze, Rachel Green, George Kamel and George Costanza—the gang’s all here! We’re covering the unrealistic paychecks of everybody’s favorite TV show characters. How did NYC’s unemployed population hold down high-dollar real estate, and where did they find such generous friends? We need answers! In This Episode: • Danny Tanner’s excellent taste in historical real estate on a sportscaster salary • What is rent control, and why did it have a choke hold on every ’90s sitcom? • The concept of Seinfeld finally clicks for Rachel live on the air, and George gets mildly harassed Helpful Resources:   • Get your finances organized, make a plan, build up 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. • Enter the Ramsey Cash Giveaway for a chance at $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   This Week’s Happy Hour Special: The Sundowner Mocktail Ingredients: 1/2 cup white grape juice 1/3 cup sparkling water 1 mint sprig (for garnish) Instructions: In a chilled wine glass filled with ice, add white grape juice and sparkling water. Stir, garnish with mint, and enjoy! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

You Make Coffee Using What!? 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy

Who’s feeling middle class fancy? Join Rachel and George as they celebrate “the backbone of America” and try to figure out if the rumors are true . . . Is the middle class really disappearing? In This Episode:   • The restaurant that screams “middle class” according to George • How your income bracket does (and doesn’t) impact the quality of your life • Costco hot tubs, fondue fountains and more @MiddleClassFancy gold Helpful Resources:  • Get your finances organized, make a plan, build up 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! • Enter The Ramsey Cash Giveaway for a chance at $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   This Week’s Happy Hour Special: The Waldorf • 1/2 ounce absinthe • 2 ounces rye whiskey • 3/4 ounce sweet vermouth • 3 dashes Angostura bitters Grab your favorite cocktail glass. Pour in the absinthe. Give the glass a swirl until the inside is fully coated––then dump out any excess liquid. (Congrats! You just performed an absinthe wash.) In a separate glass, combine the whiskey, vermouth and Angostura bitters over ice. Stir until chilled. Strain the mixture into your absinthe-washed glass and get to feeling fancy! 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. Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5 Ad Choices | Megaphone by Spotify https://megaphone.spotify.com/about-advertisements Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy