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

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

How is it Even Possible to Buy a House Right Now? 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-Saving Drive Thru Hacks at Sonic! 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

Social media money advice? It can get a little sus. 🤨 Join Rachel and George as they sip, scroll and share candid reactions to the wild world of #FinTok (Financial TikTok)! Plus, they’ll share pro tips for sorting the good advice from the bad. In This Episode: ' 🚩 Red flags to look for when influencers and celebs share “financial advice” 🚩 The product Kim Kardashian can’t promote for the next three years 🚩 George’s hot take on who should have sung “Listen to Your Heart” 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: Espresso Marti-No • 2 ounces Seedlip Spice 94 (nonalcoholic spirit) • 2 ounces cold brew concentrate • 1/2 ounce simple syrup Pour Spice 94, cold brew and simple syrup over ice in a shaker. Shake for 20 seconds. Strain into a fancy glass (#KamelCoupeClub) and enjoy!

Who did it best? 😂😂😂 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

“No ragrets” -guy on the internet/We’re the Millers movie 😂 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 learn something new every day 😂 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. In This Episode: • The answer to who’s bougier—Rachel or George—plus the hard-hitting evidence • Why we low-key respect Celine Dion for dropping millions on this • The proven wealth-building plan that actually gives you permission to spend 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: French 75: 1 1/2 ounces gin 3/4 ounce lemon Juice 3/4 ounce simple syrup 2 ounces champagne Optional: long spiral lemon twist Steps for French 75: 1. Combine gin, lemon juice and simple syrup in a cocktail shaker. Fill shaker with ice, cover, and shake vigorously until outside of shaker is cold (about 20 seconds). 2. Strain cocktail through a strainer or slotted spoon into a glass (preferably, a large flute). Top with champagne, garnish with lemon twist if desired, and sip away!

If you haven’t subscribed or shared with a friend—do it now! 💰 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

Fill up your Stanley cup, friends—things are about to get spicy! Join Rachel Cruze and George Kamel as they talk trash TV, why being on The Bachelor will make you broke, and the financial strategy reality stars should use if they win big. In This Episode: • Why the Real Housewives stars are actually business ninjas • Which reality shows George and Rachel would consider appearing on • How to build wealth—and not blow through cash—when receiving a lump sum of money 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. • 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: Spicy Margarita: 2 ounces of blanco tequila 1/2 ounce triple sec 1 1/2 ounces fresh lime juice (2 limes) 1/2 ounce jalapeno simple syrup Lime wedges and sliced jalapenos (for garnish) Optional: Tajin or salt for rim Jalapeno Simple Syrup: 1 cup water 1 1/2 cups brown sugar 1/2 cup granulated sugar 2 jalapeno peppers, rinsed and sliced Steps for Margarita: 1. Add tequila, triple sec, lime juice and simple syrup into a cocktail shaker with ice. Cover and shake vigorously until the outside of the shaker is very cold (about 30–40 seconds). 2. Place salt or Tajin on a small plate, rub the rim of a glass with a lime wedge, then dip the glass rim into the salt to coat. 3. Fill the glass with ice, pour in margarita, garnish with lime wedge and jalapeno slice, and enjoy! Steps for Simple Syrup: 1. In a saucepan over medium-high heat, bring the water to a boil and add the sugars. Stir constantly until the sugar is dissolved. 2. Add jalapeno slices to the pan. Reduce heat and simmer three minutes, stirring frequently. 3. Remove from heat and let the syrup steep for 20 minutes. 4. Strain through a fine mesh strainer to remove the pepper slices and seeds. 5. Mix into drinks! *Store extra syrup in a sealed container and refrigerate. This should last in your fridge for a month, or you can store it in a freezer bag or ice cube tray and freeze it for a year. 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 you want to leave a tip with that . . . and that . . . and also that? Rachel and George talk current tipping trends giving Americans anxiety and why true generosity can’t be forced. In This Episode: • The craziest places we’re being asked to tip (um, the drive-through?) • How to get that “giver’s glow” when leaving gratuity • The mortifying moment that made George give up waiting tables for life 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. • 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: Manhattan • 2 ounces rye whiskey • 1 ounce sweet vermouth • 1 dash Angostura bitters • Brandied cherry (optional) Fill a cocktail shaker with ice. Add rye whiskey, sweet vermouth and bitters. Shake and strain into a coupe glass. Top with a brandied cherry. Take a sip–and tip yourself with a pat on the back for saving money today! 😊 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 Rachel Cruze and George Kamel as they talk price hikes, megafandom, and insider savings tips for the most magical (and arguably expensive) place on earth: Disney World. In This Episode: • What it really costs the average family to take on Disney World • A shameless testimony from a real-life Disney adult • Why Disney execs are okay with pricing out the middle class 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. • Support our sponsor! Gazelle Debit Card – Terms & Conditions apply. Visit https://bit.ly/3DbkaRK for more information. Established by Pathward, N.A., Member FDIC. This Week’s Happy Hour Special: Spiced Cider • 8 ounces apple cider • 1 cinnamon stick • 1 ounce rum (optional) Heat apple cider until slightly steamy. Stir in a cinnamon stick and—if you’re feeling a little something extra—an ounce of rum. Cheers! Learn more about your ad choices. 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

’Ello, mate! Join Rachel Cruze and George Kamel as they talk royals, riches and real ways we can all leave a brighter financial legacy for our families. In This Episode: • A bird’s-eye view of the monarchy’s massive net worth • The average commoner’s guide to building wealth like a royal • A tribute to the late Queen’s favorite adult beverage 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. • Support our sponsor! Gazelle – Terms & Conditions apply. Visit https://bit.ly/3DbkaRK for more information. Established by Pathward, N.A., Member FDIC. This Week’s Happy Hour Special: Gin and Tonic • 2 ounces gin • 4 ounces tonic water • Lime wedges (optional) Pour gin over ice in a tall glass. Stir in tonic water and top with a lime wedge. 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

The TV Network That Brainwashed Us All 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

Is Convenience Culture Worth Being Broke? 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