Smart Money Happy Hour with Rachel Cruze and George Kamel

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study! It’s not as simple as “broke” or “rich” anymore. Today we’re unpacking what kind of “rich” your spending says you are—from “fake rich” to “new money” to “quiet wealth.” Next Steps: 🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍧 Frozen Coconut Lemonade Recipe by: Eat Well 101 3/4 cup freshly squeezed lemon juice Zest of 2 lemons 1 cup full-fat coconut milk 1/2 cup granulated sugar 2 1/2 cups ice cubes Instructions: Add lemon juice, sweetener, coconut milk, and ice to a blender. Blend until ice is crushed and the mixture gets slushy. Divide into glasses and serve immediately. Recipe yields 4 servings. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study! It’s not every day that we get to grab a drink with a Harvard professor, bestselling author and happiness expert. Dr. Arthur Brooks is here to talk money, life, faith and so much more.Next Steps: 🎙️ Catch our episode Questioning “Life” Choices With Ken Coleman (“Would You Rather” Edition) 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. 📖 Check out Dr. Arthur Brooks’ new book, The Meaning of Your Life. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥂 Electrolyte Mockarita Recipe by: Cocktails with Val 2.5 ounces coconut water 1.5 ounces fresh orange juice 1 ounce lime juice 1 ounce agave 1 pinch of salt Instructions: Add coconut water, fresh orange juice, lime juice, agave, and a pinch of salt to a cocktail shaker filled with ice. Shake to combine all ingredients. Pour over glass filled with ice. Add an orange wedge as optional garnish. Serve and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study! If you’re an exhausted millennial wondering if buying a home is a lost cause, we get it—and we’ve got you. Today, we’re unpacking common home-buying frustrations and real estate woes. Spoiler alert: Yes, it’s still possible! Next Steps: 🎙️ Catch our episode How to Financially Survive Every Season of Life 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. 🏠 Your free, step-by-step course to buying a house that fits your budget. 💻 See how much house you can afford with the Mortgage Calculator. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Basil & Lillet Spritz Recipe by Emily Laurae 1 ounce Lillet 4–5 basil leaves 4 ounces sparkling wine Instructions: In a shaker, combine Lillet and basil leaves and shake with ice for 30 seconds. Strain into a glass filled with ice. Top with sparkling wine and garnish with a basil leaf before serving. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Figure out your next financial move with Ramsey’s Get Started Assessment. Vacation debt, budget-friendly hacks and some light legal drama—today we’re unpacking all things Disney! Stick around for the magic, fun and chaos. Next Steps: 🎙️ Catch our episode Comparing Disney Villains to Sneaky Financial Industry Traps. 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Pineapple Blueberry Margarita Mocktail Recipe by Yum Recipes Now Lime juice Pineapple juice Blueberry syrup Sparkling water Salt Instructions: Start by rubbing a lime wedge around the rim of your glass. Then, dip the rim into a plate of salt to coat it evenly. In a shaker or mixing glass, combine 3/4 ounce of fresh lime juice, 1/2 ounce of pineapple juice, and 1/2 ounce of blueberry syrup. Stir or shake gently to blend the flavors without diluting the vibrant colors. Strain the chilled mixture into your salted rim glass filled halfway with fresh ice. Then, top it off with sparkling water. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Figure out your next financial move with Ramsey’s Get Started Assessment. If you can’t be the best, why not be the worst? Or at least that’s what some people must be thinking to justify their spending habits. Stick around for a bracket battle of bad money habits. Next Steps: 🎙️ Catch our episode We’re Here to Judge Your Guilty Pleasures (With Love). 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Pisco Sour Recipe by: Liquor.com 2 ounces pisco 1 ounce lime juice 1/2 ounce simple syrup 1 egg white Instructions: Add pisco, lime juice, simple syrup and egg white into a shaker and dry shake (without ice) vigorously. Add ice and shake again until well chilled. Strain into a chilled glass and serve! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Plan and save for the future with Ramsey’s Complete Guide to Investing. Good manners, simple style, old-school investing—today we’re unpacking subtle “quiet millionaire” habits and teaching you how to build wealth the right way. Next Steps: 🎙️ Catch our episode Things That Scream “I’m Pretending to Be Upper Class”. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. 💻 Figure out your next financial move with Ramsey’s Get Started Assessment. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Apple Ginger Fizz Mocktail Recipe from The Mindful Mocktail 3 ounces still apple cider 1 ounce freshly squeezed lime juice 6 mint leaves 1 teaspoon apple cider vinegar Pinch powdered cinnamon 3 ounces ginger ale Instructions: Place apple cider, lime juice, cinnamon, apple cider vinegar and a few ice cubes into a cocktail shaker. Clap the mint together in your hands to release the scent, and add to the shaker. Shake for about 20–30 seconds until ingredients are combined. Pour into an ice-filled glass and top with ginger ale. Stir gently, garnish with mint, and serve. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Plan and save for the future with Ramsey’s Investment Calculator. We all have our weaknesses when it comes to frivolous spending—but some of you are next level. Today, we’re reacting to (and lightly judging) the internet’s most ridiculous spending habits. Next Steps: 🎙️ Catch our episode We Settle Your Heated Money Arguments. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. 💻 Figure out your next financial move with Ramsey’s Get Started Assessment. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 “The Reddish” Maroon Manhattan Recipe from Smart Money Happy Hour mixologist Michael Reddish 2 ounces bourbon 1 ounce dry vermouth 1 ounce amaro 2–3 dashes black walnut bitters 2–3 dashes chocolate bitters Instructions: Add the bourbon, dry vermouth, amaro and bitters into a mixing glass with ice and stir until well-chilled. Serve in a coupe glass and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar. Is love blind? Some of your financial decisions certainly make it seem that way! Today, we’re reacting to people’s biggest money mistakes made on behalf of their loved ones. Next Steps: 🎙️ Catch our episode Date Nights From $0 to $10,000? We’ve Got You Covered! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Trophy Wife Spritz Recipe from Fly Girl Bartending Mint leaves 1/2 ounce honey 3 ounces club soda 3 ounces nonalcoholic sparkling wine Grapefruit Instructions: Place mint in the bottom of a wine glass. Add honey and club soda and stir. Fill the glass with ice and top with sparkling wine. Garnish with mint and grapefruit and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel[AP3] [JS4] 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar. Career, relationships, self-improvement—life is full of important choices, and today we’re unpacking all the options with bestselling author and The Ramsey Show co-host Ken Coleman. Next Steps: 🎙️ Catch our episode Critiquing Your Spending Habits (and Ours) With Dr. John Delony 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 🤑 Catch Ken’s episode with George: Financial Expert: These Common Money Habits Are Keeping You Poor 🤩 Catch Ken’s episode with Rachel: Marriage, Parenting and Growing Up as Dave Ramsey’s Daughter Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Kentucky Mule Recipe from Liquor.com 2 ounces bourbon 1/2 ounce lime juice, freshly squeezed Ginger beer, to top Garnish: mint sprig Instructions: Add the bourbon and lime juice to a copper mug or a highball glass. Fill the mug or glass with ice and top with ginger beer. Garnish with a mint sprig and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🚢 Get tickets to the next Live Like No One Else Cruise. Apparently, living on less than you make and ditching your credit score is groundbreaking financial advice—but we’ll let you be the judge. If you’re willing to be a little unorthodox in order to build wealth, stay tuned! You’re in the right place. Next Steps: 🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. 📙 Grab a copy of George Kamel’s book, Breaking Free From Broke. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Virgin Piña Colada Recipe from House of Nash Eats 2 cups pineapple juice 3/4 cup cream of coconut 4 cups ice Pineapple wedges for garnish Maraschino cherries for garnish Instructions: Pour the pineapple juice and cream of coconut into a high-powered blender. Add the ice. Blend for 30–60 seconds until smooth. Divide between 3–4 glasses. This makes about 5 cups of piña colada, which is about 10 ounces per person if divided between 4 people. Garnish with pineapple wedges, maraschino cherries and cocktail umbrellas before serving! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar. If an event costs you social energy, should you really have to pay actual money too? Today, we’re saying what we all wish we could write on the next birthday party, wedding shower or gender reveal RSVP—join the unfiltered fun! Next Steps: 🎙️ Catch our episode Date Nights From $0 to $10,000? We’ve Got You Covered! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Smoked Rosemary Negroni Sour Recipe from: Join Jules 1 ounce gin 1 ounce sweet vermouth 1 ounce Campari 1/2 ounce rosemary syrup 1/2 ounce lemon juice 1 egg white Splash of orange juice Instructions: Using a lighter, light the tips of a fresh rosemary sprig until it begins to smoke. Flip your coupe glass upside down over the smoking sprig and let sit while you mix your cocktail. In a cocktail shaker, add gin, sweet vermouth, Campari, syrup, lemon juice, a splash of orange juice and egg white. Dry shake. Add ice and shake again. Double strain into the smoked glass. Garnish with a fresh rosemary sprig and a citrus wheel. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Learn how to invest the smart way using Ramsey’s Complete Guide to Investing. Building wealth is actually pretty simple (when you do it the right way). But there are some risky strategies out there that can topple your financial progress overnight. Join us for a live game of Jenga and some commonsense financial advice along the way. Next Steps: 🎙️ Catch our episode Reacting to People’s Money Fails So You Can Feel Better. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. 📕 Grab a copy of George Kamel’s book, Breaking Free From Broke. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥂 Lemon Ginger Mocktail Spritz Recipe from Join Jules 1/2 ounce honey syrup 3/4 ounce ginger juice 1 ounce fresh lemon juice 2 ounces sparkling water Instructions: Blend ginger with a little water and strain. Add honey syrup to a glass. Add ginger juice and lemon juice. Add ice and top with sparkling water. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📖 Order Jade’s new book, What No One Tells You About Money. Are you guilty of these annoying money habits? In this episode, we sit down with Jade Warshaw to rant about our biggest financial pet peeves. Let’s get into it! Next Steps: 🎥 Watch our video Dave Ramsey Answers Your Most-Asked Questions. 💵 Start your free budget today. Download the EveryDollar app! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsors: Go to FAIRWINDS Credit Union for an exclusive account bundle! Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Tequila Old Fashioned Recipe from Tommacy Cocktails 2 ounces reposado tequila 1/4 ounce mezcal 1/2 ounce agave nectar 2 dashes orange bitters 2 dashes black walnut bitters Orange peel (optional) Instructions : Combine all ingredients in a mixing glass with ice. Stir for about 20–30 seconds until well chilled. Add a bourbon ice cube to a lowball or rocks glass and strain the drink into the glass over the ice. Express an orange peel over the drink by squeezing it to release the oils. Run the peel around the rim, drop it into the drink, and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Register for our Take Back Your Money in 2026 livestream for free! No one can predict the future, but sometimes it’s fun to try! Today we’re sharing our best guesses for what’s to come in 2026. From housing and investment trends to celebrity weddings and court cases—we’ve got you covered. Next Steps: 🎙️ Catch our episode We Debunk Your Top Excuses for Not Budgeting. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍾 New Year’s Champagne Champagne of your choice Instructions: Pick up your favorite budget-friendly bottle of champagne and toast to the new year! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Register for our Take Back Your Money in 2026 livestream for free! From Katy Perry’s brief trip in space to our favorite moments on Smart Money Happy Hour—we’re breaking down the best and worst of 2025! Grab a drink and help us reminisce on an unforgettable (and slightly unhinged) year. Next Steps: 🎙️ Catch our episode Spilling the Financial Tea With Our Better Halves. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 You’re a Mean One Recipe from Westgate Resorts 11/2 ounces Midori melon liqueur 1 ounce white rum 5 ounces lemon-lime soda 1 maraschino cherry Instructions: Fill a rocks glass with ice. Add Midori liqueur and rum. Top with soda and stir gently to combine. Top with maraschino cherry and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Register now for our Take Back Your Money in 2026 livestream for free! From office Christmas parties to eggnog to the catastrophe that is gingerbread house making—we’re judging all your holiday traditions. Plus, how to financially plan for (and survive) one of the busiest, most expensive seasons. Next Steps: 🎙️ Catch our episode Unpacking Money Lessons From Your Favorite Christmas Movies. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Cran-Raspberry Martini Mocktail Recipe from TheBump.com 1 ounce lime juice 4 ounces raspberry sparkling water 1/4 ounce cranberry juice 1/2 ounce crushed raspberries Instructions: Pour the lime juice, raspberry sparkling water and cranberry juice into a martini glass. Add raspberries and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📕 Grab George Kamel’s book, Breaking Free from Broke. Sometimes, you’ve got to entertain the haters and put your own teachings to the test. Today, we’re taking turns playing devil’s advocate against our own financial advice—tune in and let us know how we did in the comments! Next Steps: 🎙️ Catch our episode We Dedicated an Entire Episode to Respond to the Haters. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or 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. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Bourbon Milk Punch Recipe from Liquour.com 2 ounces bourbon 3 ounces whole milk 1 ounce simple syrup 2 dashes vanilla extract Garnish: nutmeg, freshly grated Instructions: Add bourbon, whole milk, simple syrup and vanilla extract into a shaker with ice and shake until well-chilled. Strain into a rocks glass, and garnish with freshly grated nutmeg. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices