Smart Money Happy Hour

The Nostalgia Trap 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

Not all that glitters is gold. Rachel and George are here to crunch the numbers, debate the pros and cons, and decide once and for all if all-inclusive vacations are worth your money. Which costs more: a trip to 30A or a week at a resort? Why does late-night crème brûlée from room service hit different? And is it all too good to be true? In This Episode:   • The current state (and fascinating history) of all-inclusive vacations • George’s love of fire dancing and Rachel’s aversion to mass-produced vacation food • Cost comparisons, nonrefundable contracts and Costco Travel tips 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: Sidecar Ingredients: • 1 1/2 ounces cognac • 3/4 ounce Cointreau • 3/4 ounce lemon juice • Sugar (for garnish) Instructions: Coat the rim of a chilled cocktail glass with sugar and set it aside. Add cognac, Cointreau, lemon juice and ice to a cocktail shaker. Shake until mixed and chilled. Strain the liquid into your prepared glass 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

Is Blockbuster about to pull an Abercrombie? Rachel and George discuss the rise and fall of iconic ’90s businesses. Which ones are headed for a comeback, which ones are gone but not forgotten, and how does nostalgic marketing affect your spending today? In This Episode:   • Are Beanie Babies and other throwback keepsakes a smart investment? • Has technology ruined our generation and our favorite brands? • Rachel performing a memorable answering machine rap from her childhood 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: Bottoms Up Ingredients: • 1 1/3 ounces cognac • 2/3 ounce Cointreau • 1/6 ounce grenadine • 1/6 ounce heavy cream • 1 egg yolk Instructions: Pour all ingredients over ice in a cocktail shaker. Give it a good shake, then strain the liquid into a cold glass 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

Whether you love MLMs or just love to hate ’em, none of us are immune to getting a “Hey, hun!” in our DMs. But have all the boss babes really been conned? Join Rachel and George as they take a closer look to find out if MLMs are an entrepreneur’s paradise . . . or just another scam. In This Episode: • The fine line between a pyramid scheme and an MLM • George’s and Rachel’s personal experiences with MLM products • Solved: the mystery of the free luxury car Check Out @GeorgeKamel 's new Channel: https://www.youtube.com/channel/UCNIFV-Bgh2YtrWQxmrgFS4w Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think. • 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. • 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 everydollar.com/smart to get started today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: The Aviation • 2 ounces gin • 1/4 ounce Luxardo maraschino liqueur • 1/4 ounce crème de violette liqueur • 1/2 ounce freshly squeezed lemon juice Grab your trusty cocktail shaker and fill it with ice. Add gin, maraschino liqueur, crème de violette and lemon juice to the shaker. Shake that thing and strain into a glass. For an elevated experience, garnish with a lemon twist! 🛫 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

Cheers, old sport! The TikTok teens have spoken, and we’re here to ask the hard-hitting questions on the latest viral hashtag. What is “old-money aesthetic,” and how does it relate to your money? What does it really take to build generational wealth? And if you were a RollerCoaster Tycoon kid, are you an old-money adult now? We tackle it all. In This Episode:   • George advocating for the coastal grandfather movement • Marie Osmond, Bill Gates and thoughts on big inheritances • The Kennedys, the Vanderbilts and other old-money history 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! • Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    • 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: Lemon Drop 🍸 Ingredients: • 2 ounces vodka • 1/2 ounce Cointreau • 1 ounce fresh lemon juice • 1 ounce simple syrup • Sugar Instructions: Apply a light layer of lemon juice to the rim of a cocktail glass. Dip the coated rim into sugar, then set the glass aside. Combine vodka, Cointreau, lemon juice, simply syrup and ice in a cocktail shaker and shake until chilled. Strain the liquid into the prepared cocktail glass 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

Smart Money DUUUPE. Just kidding—it’s still the real us. And we’re going to talk about everything from cheap versions of viral high-end products to internet shopping scams and fake cash. Plus, we’ll discuss which name-brand products on your wish list are most likely to be counterfeit. In This Episode:   • Our listeners’ worst scam stories • Construction workers: Are they the under-appreciated fashion icons of our time? • Fake Taylor Swift tickets, jury duty scams, and Winston’s Craigslist trauma 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! • Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think.    • 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: Classic Texas Ranch Water Ingredients: • 3 ounces (or 2 shots) tequila • 2 limes • 1 bottle Topo Chico Instructions: Juice one whole lime and slice the other lime for garnish. Fill a highball glass with ice, then add the lime juice and two shots of tequila. Top off the glass with chilled Topo Chico. Garnish with a lime slice 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

It’s about to get awkward! 😬 Whether you think it’s time to confront your aging parents about their iffy money habits or you’re fighting the good fight against splitting the check evenly at dinner, Rachel and George are here to offer their advice for getting through life’s most cringeworthy money convos. In This Episode: • George admits to charging this close family member rent • How to handle people who assume they’re getting the friends and family discount • How to get out of a group gift situation that you didn’t sign up for Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think. • 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. • 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 everydollar.com/smart to get started today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: The Tom Hanks (aka Diet Cokagne) • 1 can (12 ounces) Diet Coke • Champagne Add ice to your favorite highball glass. Pour in about one third of the Diet Coke. Top with the champagne of your choice until the glass is full. Now be brave and take a sip! 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

There’s genius––and then there’s evil genius. Rachel and George go head-to-head on some of today’s ethically questionable penny-pinching hacks to help us all find the line between smart spending and just acting shady. 🧐 In This Episode: • The streaming platform that George and Rachel temporarily shared a password for • How techies tap Google Voice for extra cyber security . . . and shopping discounts 🛍 • The money-saving dating game everybody has an opinion about 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. Click the link to get started today! https://www.everydollar.com/smart • Be entered to win a $100 Visa gift card when you take our listener survey! https://survey.alchemer.com/s3/7014625/cf367876c335 • 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: Blackberry Mojito Mocktail • 2/3 cup blackberries • 1 tablespoon fresh lime juice • 1 cup berry flavored sparkling water • Fresh mint • Lime slices Muddle blackberries and mint in the bottom of your cocktail glass and add lime juice. Fill the glass with ice, then pour the berry flavored sparkling water over the top. Garnish with lime slices or extra mint. Sip 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’ve heard of pin the tail on the donkey, but are you familiar with pin the dollar on the bride? Join Rachel and George on a journey to learn about money traditions around the world––from the West African sou-sou to an unexpected German spending obsession that not even the pandemic could shake! In This Episode: • Communal savings, questionable British accents, and “the dollar dance” • The global money custom that George’s ancestors may have invented • The OG GoFundMe and other heartwarming ways different cultures give back 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. Click here to get started today! • Be entered to win a $100 Visa gift card when you take our listener survey! https://survey.alchemer.com/s3/7014625/cf367876c335 • 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: Sazerac Ingredients: • 1/2 ounce absinthe • 1 sugar cube • 1 1/2 ounces rye whiskey • 1/2 ounce Peychaud’s bitters • 1/2 ounce Angostura bitters • 1 1/2 ounces cognac • 1 lemon peel Pour a small amount of absinthe in a chilled glass, swirl it around to coat the glass, discard the remaining liquid, then set aside the glass. In a cocktail mixer, muddle the sugar cube with Peychaud’s and Angostura bitters. Add rye and cognac to the cocktail mixer with ice and shake until chilled. Strain into the prepared glass, twist the lemon peel over drink’s surface to release the oils, garnish with the lemon peel and enjoy! 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

Technology, personal finance, jury duty—Rachel and George cover some hard-hitting topics as they answer the internet’s most popular “How to get out of . . .” questions (and also share a few thoughts on the Wendy’s franchise). You don’t want to miss this one! In This Episode:   • George discusses fanny packs and his time in the Arabic Baptist Church. • You’ll hear top Google searches and some financial limericks written by ChatGPT. • Rachel compares her husband, Winston, to a mysterious 90s sitcom character. Helpful Resources:   • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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 Hurricane Ingredients: • 1 ounce light rum • 1 1/2 ounces dark rum • 3 ounces passion fruit juice • 3 ounces orange juice • 1 tablespoon grenadine • Orange slice and maraschino cherry to garnish Add rums, juices and grenadine to a shaker filled with ice. Shake to combine, then pour into an ice-filled glass. Garnish with an orange slice and a maraschino cherry for extra color 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

Goooo sports! It’s almost time for the big matchup between the Eagles and the Chiefs––or as George likes to think of it: cheesesteaks vs. BBQ. Whether you’re a football fan or a Rihanna stan, we’re breaking down how this all-American tradition is bound to give you (and maybe your budget) some sticker shock. In This Episode: • The minimum amount you need for a solo trip to the big game IRL 🤑 • Rachel and George brainstorm some ballin’ nonmonetary bets (#savethebudget) • Three money-saving tips you need if you got volunteered to host the party on Sunday Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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. • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Mango Michelada • 1 bottle Corona Light beer • 1/2 fresh lime, juiced • 3/4 cup mango juice • 1 tablespoon ancho chili powder • Hot sauce (optional) Pour ancho chili powder on a small plate. Rub a lime wedge around the rim of your favorite glass, then press the rim into the chili powder until the rim is fully coated. Partially fill the glass with ice. Add lime juice, mango juice and a few drops of hot sauce if desired. Stir to combine, then top with Corona beer. (Have beer left over? Serve it on the side!) 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 and George are here to unpack Prince Harry’s tell-all memoir, Spare. Find out if Meghan is really to blame for all the drama, whether or not Harry is a fan of The Crown, and what multimillion-dollar celebrity book deals have to do with you. In This Episode:   • Spare or Snare—Rachel quizzes George on Prince Harry trivia • The magic dollar amount Rachel and George would charge to spill their tea • How to avoid major regret when making money decisions involving family Helpful Resources:   • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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:  Paloma Hermosa 1 egg white 1 1/2 ounces white tequila 1/2 ounce St-Germain elderflower liqueur 1/2 ounce grapefruit juice 1/2 ounce agave nectar 1 lime wedge In a cocktail shaker filled with ice, add the egg white. Give it a good shake until the egg white turns into froth, then add in tequila, St-Germain elderflower liqueur, grapefruit juice and agave nectar. Pour the cocktail into chilled glass with ice, garnish with fresh lime, 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

Some things––and people––are just better together! (Tomdaya, anyone? 😍) Rachel and George ask what defines a power couple and why unity is such a key ingredient in building wealth. In This Episode: • An Urban Dictionary definition that actually feels spot on 🎯 • What a sourdough starter and a Tamagotchi have in common • The rise of the “dinkwad”—and no, that’s not an insult 👰‍♀️🐶🤵‍♂️ Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey! Click here to let us know what you think. • 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. • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Cherry Limeade Mocktail 🍒 6 ounces Sparkling Ice® (black cherry) 1 ounce lime juice Sonic-style ice Swing by Sonic and get a 10-pound bag of fancy ice for $3.50. When you get home, fill a highball glass with your newly acquired ice. Pour in black cherry Sparkling Ice®. Top with lime juice 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

A red and blue debate in this episode? No thanks. Pink? Absolutely! 💕 Rachel Cruze and George Kamel discuss the pink tax and investigate other gender-related price differences in everyday products. In This Episode:   • Why women are spending $40K more than men by age 30 • Male versus female price comparisons (including haircuts, deodorant, razors and more!) • Rachel and George propose new taxes they think would be fairer than the pink tax Helpful Resources:   • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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. • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy   This Week’s Happy Hour Special:  The Pink Señorita Margarita 4 ounces tequila 4 ounces grapefruit juice 1 ounce simple syrup Splash of cranberry juice Fresh mint for garnish Pour your go-to tequila, grapefruit juice and simple syrup into a cocktail shaker with ice. Give it a good shake, then strain it over ice in a rocks glass. Add a splash of cranberry juice until it’s your preferred shade of pink. Garnish with fresh mint and enjoy! 🍹 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

Last year’s iconic pop culture moments don’t just jiggle, jiggle––they fold! From Harry Styles’ world tour to Inventing Anna to the Depp-Heard trial, Rachel and George break down the money moves behind 2022’s major trends and memories. In This Episode: • The forbidden show George had to sneak-watch at Grandma’s house • Rachel and George name the official song of Smart Money Happy Hour karaoke • The $13 BILLION loan that rocked the internet Helpful Resources: • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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 This Week’s Happy Hour Special: The OG Daiquiri 2 ounces light rum 1/2 ounce Demerara sugar syrup 1 ounce lime juice Fill your favorite cocktail shaker with ice. Add rum, Demerara syrup and lime juice. Shake with gusto, then strain into a vintage glass and enjoy the classic Cuban vibes. 🏝🇨🇺 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 six-figure salary number research says we need for peak happiness • Pearl snap shirts, chunky statement necklaces and other 2010s fashion confessions from Rachel and George • The real reason George bought a king-size bed Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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. • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Classic Jack and Coke • 2 ounces Jack Daniels • 4 ounces Coca-Cola Pour Jack Daniels over ice in your favorite glass. Top with Coca-Cola. Now relax and take a load off–we know that was a strenuous one to make. 😉 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 reveals what she would pay to see ’N Sync • How JOMO can help you save money • Why George is afraid of being canceled by the air fryer community Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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. • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Boulevardier • 1 1/4 ounce bourbon (or rye) • 1 ounce Campari • 1 ounce sweet vermouth • Dash of bitters • Orange twist (for garnish) Pour bourbon, Campari, sweet vermouth and bitters into a mixing glass and add ice. Stir until chilled. Strain into rocks glass over fresh ice. If you’re feeling fancy, garnish with an orange twist. 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

• A candid comparison of the iconic divas out here making major Christmas cash • The Dolly Parton merch that left Rachel and George speechless • The unlikely starlet that made Rachel’s prayer list Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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. • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Peppermint Martini 🍸 1 ounce peppermint schnapps 1/2 ounce vodka 1 1/2 ounces crème de cacao 1 1/2 ounces heavy cream Peppermint candies (optional) Want the freshest happy hour breath of your life? Rim your glass with peppermint! 👉 Finely crush a handful of peppermint candies and spread evenly on a plate. Wet the rim of a martini glass with water. Set the glass top-down on the crushed candy and rotate until fully coated. Now for the drink! Add peppermint schnapps, vodka, crème de cacao and heavy cream to a cocktail shaker with ice. Shake until frosty. Strain into your candy-rimmed glass and go find some mistletoe. 😉 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

Can you hear the wedding bells? Whether you’re getting married, in a bridal party, or still wondering why you didn’t get a plus one 🤔, Rachel Cruze and George Kamel talk all things weddings and how to celebrate big without going broke. In This Episode: • A hard-hitting testimony from a bachelorette partygoer on required dress code • Why prematrimonial expenses cost more than a high-end jet ski • How George won an all-expenses-paid wedding (and which animal named Cowboy made a guest appearance) Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey: https://survey.alchemer.com/s3/7014625/cf367876c335 • 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. • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Trader Joe’s Blanc de Blancs Brut—$6.99/bottle Rachel’s tips for popping champagne: 1. Wipe down the bottle with a towel (it gets slippery when you chill it). 2. Loosen the wire cage and foil wrapped around the bottle neck and over the cork. 3. Tilt the bottle at a 45-degree angle so the cork won’t hit you in the face when it pops. 4. Using your other hand, grip the cork with your palm, wrap your fingers around the neck of the bottle, and twist the bottle (not the cork). 5. Keep on twisting until you hear that fssszz. Then remove the cage and cork and pour that bubbly! 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

Christmas movies are gifts that keep on . . . giving us money lessons? 🤔🎄💰 Rachel and George break down the hidden financial wisdom in all your favorites, from It’s a Wonderful Life to Reese Witherspoon and Vince Vaughn’s Four Christmases. In This Episode: • Rachel’s best Mr. Narwhal impression (“Byyyye, Buddy . . .” 👋🏼) • The Christmas classic George completely missed out on as a child • The wild celeb generosity stories getting us in a giving mood Helpful Resources: • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Be entered to win a $100 Visa gift card when you take our listener survey! https://survey.alchemer.com/s3/7014625/cf367876c335 • 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: Vanilla Chai White Russian (From Half-Baked Harvest) • 2 ounces vodka • 1 1/2 ounces Kahlua • 2 ounces vanilla chai syrup (see recipe below) • 1–2 ounces heavy cream • 1 cinnamon stick (for garnish) Fill a glass with ice. Add vodka, Kahlua and vanilla chai syrup. Give it a gentle stir. Add the heavy cream. Give it one more gentle stir. Garnish with a cinnamon stick and enjoy your cup of Christmas cheer! Vanilla Chai Syrup • 4 chai tea bags • 1/3 cup honey • 1 teaspoon vanilla extract • 1 cup water Bring water to a boil. Remove from heat, add tea bags, and let steep for 10 minutes. Pull those tea bags out and pour in the honey. Bring the new honey-tea mixture to a boil on high heat for 3–5 minutes. Remove from heat, stir in vanilla and let it cool. 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

Whether you know what the “clementine controversy” is or not, there are still plenty of money lessons to learn from Netflix’s reality megahit Love Is Blind! 😍 Listen in as Rachel and George serve up a candid play-by-play of the show’s best money moments. In This Episode: • Love Is Blind’s most outrageous money confessions and conversations • The number one Love Is Blind cast member Rachel is dying to invite to happy hour • The only reason Rachel and George would ever recommend a prenup Helpful Resources: • Be entered to win a $100 Visa gift card when you take our listener survey! https://survey.alchemer.com/s3/7014625/cf367876c335 • 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. • Feeling like your money habits need a refresh? Check out our sponsor, Financial Peace University, to start making money moves with confidence today! • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: A Classic Glass of Red Wine 🍷 • 5 ounces Epicuro Aglianico (Italian Red Blend, Available at Trader Joe’s) Pour and serve––preferably into a replica of Love Is Blind’s famous gold glasses! ❤️ 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

Tell us how you really feel about those pay it forward chains 😅 Such a fun conversation in our first ever LIVE podcast recording of Smart Money Happy Hour! 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

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

Join as Rachel Cruze and George Kamel host Smart Money Happy Hour LIVE for the first time ever! From the SMART Conference stage in Dallas, Texas, find out which common (and costly) money mistakes get the best of us and our favorite celebs. In This Episode: • A rousing game of Put a Finger Down with the audience • The seven-figure secret Ryan Reynolds kept from his wife • George’s not-so-guilty pleasure and why Rachel’s probably a better human being Helpful Resources: • Click here to be entered to win a $100 Visa gift card when you take our listener survey! https://survey.alchemer.com/s3/7014625/cf367876c335 • 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. • Support our sponsor! Gazelle – Terms & Conditions apply. Visit https://bit.ly/3DbkaRK for more information. Established by Pathward, N.A., Member FDIC. • Learn more about your ad choices. https://www.megaphone.fm/adchoices • Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Paloma Mocktail: 1/4 cup grapefruit juice Juice from half a lime 1/2 cup Topo Chico (or other sparkling water) Optional: 1 ounce tequila Steps for Paloma Mocktail: 1. Pour the grapefruit juice, lime juice and Topo Chico over ice. 2. Stir about 20 seconds, top with a lime wedge, and enjoy! 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 Are NOT Fans of Buy Now, Pay Later. 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