Smart Money Happy Hour with Rachel Cruze and George Kamel

💵 Start your free budget today. Download the EveryDollar app! Today we’re setting the chrometophobes who haven’t been on a vacation since 2004 free! In this episode, Rachel and George are calling out the irrational money fears keeping you stuck—plus how you can overcome them. Next Steps: 🍸 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: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMART MONEY. Today’s Happy Hour Special: 🍺 Butterbeer Old Fashioned Recipe: The G&M Kitchen Ingredients: 1 12-ounce bottle cream soda 1/4 cup butterscotch topping 1 1/2 ounces bourbon 1 dash black walnut bitters 1 ounce heavy whipping cream Ice Instructions: Heat the cream soda in a small pot for 5–10 minutes. Remove from heat and stir in the butterscotch topping. Let cool. Add the bourbon, 1 ounce of the cream soda mixture, and a dash of walnut bitters to a rocks glass with ice. Stir to combine. Add whipping cream to a cocktail shaker and shake until thickened. Pour the cream on top of the cocktail and enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! We all love the ‘80s (minus the shoulder pads and neon). But were ‘80s babies better off financially? Find out how your favorite decade stacks up against today when it comes to money. Next Steps: 💸 Invest in your future with a SmartVestor Pro! Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. 📱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 Sponsor: 🔒 Get 20% off when you join DeleteMe. Today’s Happy Hour Special: 🎃 Pumpkin Spice Espresso Martini Recipe: The G&M Kitchen Ingredients: 1 1/2 ounces bourbon 1/2 ounce Baileys Irish Cream 1 1/2 ounces espresso 2 teaspoons pumpkin butter Instructions: Brew 1 shot of espresso. Add ice, bourbon and pumpkin butter to a cocktail shaker. Top with Irish cream and the shot of espresso. Shake for 30 seconds and pour into a coupe glass. Enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! On a scale of “water only at restaurants” to “extreme couponing,” how far would you go to save? Rachel and George weigh in on what savings hacks are really worth your time. Next Steps: 🎥 Watch our video Cheapskate or Resourceful? A Wake-Up Call With Sharon Ramsey 📱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 Sponsor: 🔒 Get 20% off when you join DeleteMe. Today’s Happy Hour Special: 🥧 Caramel Apple Pie Mocktail Recipe: Merry About Town Ingredients: 6 cups apple cider 1/2 cup caramel syrup 3 cups sparkling water 2 tsp cinnamon 2 apples 6 rosemary sprigs Brown sugar (for rim) Instructions: Mix apple cider and caramel syrup in a pitcher and add cinnamon. Add thinly sliced apples and rosemary sprigs and let sit for 20 minutes. Pour sparkling water into the pitcher and mix. Rim a glass with brown sugar, pour mocktail, and enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! Would you rather retire in style or broke? (All right, that’s an easy one.) In this episode, Rachel and George are putting you to the test with a financial twist on “Would You Rather.” Next Steps: 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsor: 🔒 Get 20% off when you join DeleteMe. Today’s Happy Hour Special: 🍸 Casino Recipe: Jean-félix Desfossés on Instagram 2 ounces Bombay Sapphire gin 1/2 ounce Luxardo maraschino liqueur 3/4 ounce lemon juice 1/4 ounce simple syrup 2 dashes orange bitters Instructions: Fill a shaker with ice and all ingredients, and shake for 10–15 seconds. Strain and pour into a coupe glass. Enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! Remember Horsegate? When George broke a girl’s heart with just three words: “Sell the horse”? Well in this episode, Rachel and George react to seven of their viral money moments like that one that got your attention. Next Steps: 🎥 Watch our video Explaining Our Most Hated Financial Advice. 📱 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. Follow Rachel and George on Instagram for more financial tips: @rachelcruze, @georgekamel Connect With Our Sponsors: 🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍹 French Blonde Recipe: Today Ingredients: 1 ounce Bombay Sapphire gin 1/2 ounce Lillet Blanc 1 1/2 ounces freshly strained grapefruit juice 3/4 ounce St.-Germain 1 dash lemon bitters Grapefruit twist (optional) Instructions: Add all ingredients to a cocktail shaker filled with ice. Shake and strain into a coupe. Garnish with a grapefruit twist if desired and enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙 The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! Would you park a mile away to avoid pricey parking? Or let your home become a sauna to keep AC costs low? Just how far are you willing to go to save on cost of living? Stick around to hear some of the most extreme money-saving hacks out there. Next Steps: 🎥 Check out our video Girl Math: Smart Financial Strategy or Huge Money Mistake? 📱 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: 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍸 Tequila Manhattan Recipe: Food & Wine Ingredients: 2 ounces añejo tequila 1 ounce sweet vermouth 2 dashes mole bitters Instructions: Combine all ingredients in a mixing glass with ice and stir until thoroughly chilled. Strain into a chilled coupe or over a large whiskey cube. Garnish with a maraschino cherry and/or an orange twist. Enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙 The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! If you’d rather do literally anything else besides sit down and make a budget (including watching Frozen with your kids for the 10th time), then this one’s for you. In this episode, George and Rachel are responding to the most common excuses for not budgeting. Next Steps: 📗 Order George Kamel’s new book, Breaking Free From Broke. 📱 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: 🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🥃 Blackberry Lime Mule Mocktail Recipe: Paige Bakes 4 blackberries Lime juice (1 lime) 2 cups crushed ice 6.8 ounces (1 bottle) ginger beer Instructions: Pour lime juice and muddle blackberries in a glass. Fill the glass with ice and strain blackberry lime juice into a separate glass. Top with ginger beer. Enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! If you’ve ever dreamed of being a contestant on your favorite game show (and yelling “good answer!” at the top of your lungs), then today’s episode is the next best thing! Rachel and George are going head-to-head in our Financial and Fun game, so play along for some money- saving tips. Next Steps: • 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Connect With Our Sponsors: • 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: Dark and Stormy Recipe: Food and Wine Ingredients: • 2 ounces dark rum • 1/2 ounce lime juice • Ice • 3 ounces ginger beer • 1 candied ginger slice • 1 lime wheel Instructions: Fill a cocktail shaker with ice, add rum and lime juice, and shake well. Strain into an ice-filled collins glass and stir in the ginger beer. Skewer the ginger slice and lime wheel and garnish. Enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! In this episode, we’re switching things up with a little help from our friends (that means you, #SMHHNation)! Rachel and George are here to weigh in on actual money questions submitted by YOU. Next Steps: · 🎥 Check out our video Explaining Our Most Hated Financial Advice. · 📱 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: · 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍸 Fireman’s Daiquiri Recipe: The Cocktail Bible Ingredients: · 2 ounces rum · 1 ounce lime juice · 3/4 ounce grenadine Instructions: To a shaker, add rum, lime juice, grenadine and ice. Shake, strain into your favorite glass, and enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! The smell of warm cookies, a hug from your bestie, American Idol b-roll—let’s face it, we all love feeling good! But in this episode, Rachel and George explore why dopamine overdosing doesn’t hit quite like it used to—plus how to regain everyday joy. Next Steps: · 🎥 Check out our video Should We Sell It All and Be Homesteaders? · 📱 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. Offer From Our Sponsor: · 🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney Today’s Happy Hour Special: 🍸 Lemon Drop Mocktail Recipe: Lemon Drop Mocktail From Food Banjo · Sugar (for rim) · 4 ice cubes · 3/4 ounces simple syrup · 1 1/4 ounces lemon juice · 2 1/2 ounces club soda · Lemon peel (for garnish) Instructions: Place a small pile of sugar on a plate. Take a martini glass and wet the rim with either a lemon half or water. Dip the rim of the glass in the sugar for a nice coating around the rim. Add the ice cubes, simple syrup and lemon juice into a cocktail shaker. Shake together for 15 seconds. Strain the mixture into the martini glass and top with the club soda. Garnish with a lemon peel and enjoy! Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! We all love a good BOGO, but can you really spend your way into saving more? In this episode, Rachel and George help you identify common “spaving” tricks you may be falling for and how to break the cycle! Next Steps · Never heard of EntreLeadership before? Check out our podcast for business leaders, EntreLeadership. · 🎥 Check out our video on Girl Math: Smart Financial Strategy or Huge Money Mistake? · Invest and plan for your future with a SmartVestor Pro. Get connected for free! · 📱 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. Offer From Today’s Sponsor · This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🥃 The Chestnut Cup Recipe: Cocktails Distilled Ingredients: · 1 ounce gin · 1 ounce Campari · 1 ounce lemon juice · 3/4 ounce orgeat Instructions: Combine all the ingredients in a shaker and add a single ice cube. Shake to combine, then strain into a glass filled three-quarters with ice cubes. Top with crushed ice and garnish with an orange wheel. Enjoy! Explore More Shows From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget! We’ve all been guilty of some “stupid tax” moments, like that time you spent $75 on a velvet cat pillow (that you didn’t even use). In this episode, Rachel and George confess a few of their own epic money fails and react to some of yours! Next Steps · 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Offers From Today’s Sponsors · This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍸 Palermo Recipe: Difford’s Guide Ingredients: · 1 1/2 ounces vanilla rum · 1 ounce sauvignon blanc wine · 1 1/4 ounces pineapple juice · 1/4 ounce sugar syrup · Ice · 1 pineapple wedge, for garnish Instructions: Shake all ingredients with ice and fine strain into a chilled coupe glass. Add a pineapple wedge on the rim to garnish. Enjoy! Explore More Shows From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! Did you know there’s one expense that no one on the planet can avoid? And what if we told you the cost of that thing has risen by 26% in the last two years alone? If you’re starting to spiral, don’t panic! Today we’re talking grocery shopping pet peeves, takeout tips and other money and life hacks that can help. Next Steps 🛒 Use Rachel’s Meal Planner & Grocery Savings Guide to get organized and save money at the store. 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔓 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. Today’s Happy Hour Special:🍹 Sparkling Rosemary Peach Mocktail Recipe courtesy of Cake n Knife · 5 sprigs rosemary · 1/2 cup sugar · 1/2 cup water · 1/2 chopped peach · 4 ounces lemon juice · 1 cup ice · club soda Instructions: Boil rosemary, sugar and water. Cover and let steep for 15-30 minutes. Strain and let simple syrup cool completely. Muddle peaches with lemon juice and rosemary simple syrup. Fill glass with ice. Strain mixture into a separate glass, top with club soda, and enjoy! Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget! Are there things in life you wish you’d known sooner? Well, you’re in luck! Rachel and George are here with important life and finance lessons, revealing things they wish they’d known in their 20s. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Watch our video where we break down the realities of adulting! Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney Today’s Happy Hour Special: 🍾 Bourbon Hugo Spritz Recipe: @kristiwithatwist • 1 ounce bourbon • 1 ounce elderflower liqueur • 3 ounces prosecco • 2 ounces soda water Instructions: Fill a glass with ice and add bourbon and elderflower liqueur. Top with prosecco and soda water, then stir. Garnish with an optional lime wheel and mint sprig and enjoy! Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget! Consider this episode your crash course in investing! We get it—investing can be confusing. But don’t worry, Rachel and George are here to break it all down for you in a way that’s so simple even a five-year-old could understand. Next Steps 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Check out our video where we explain our most hated financial advice. 💰 Use the Ramsey Investment Calculator to find out your earning potential! 💸 Find an investing pro today! Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍋‍🟩 Moscow Mule Recipe: Difford’s Guide Ingredients: • 2 ounces vodka • 1/2 ounce lime juice • 1/3 ounce sugar syrup • 3 ounces ginger beer • Ice Instructions: In a copper mug, stir together vodka, freshly squeezed lime juice, and sugar syrup. Then, add ice so it fills the mug two-thirds of the way and top with ginger beer. For added flair, serve with an optional lime slice and mint sprig. Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget! Rachel and George have a hot topic on the agenda for this episode: Are Gen Zers just millennials . . . rebranded? Trends, tech, money habits—they’re comparing it all to find out if there really is a clear divide or if it’s just one big generational blur. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Check out this episode to find out what today’s teens are spending their money on. Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney. Today’s Happy Hour Special: Juicy Julep Mocktail Recipe: Completely Delicious · 1 ounce pineapple juice · 1 ounce orange juice · 1 ounce lime juice · 1 teaspoon fresh mint · Ginger ale (to top off) · Ice Instructions: Add ice, pineapple juice, orange juice and lime juice to a glass. Top with ginger ale and mint leaves, and stir to combine. Serve right away, garnished with fresh mint. Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! In this episode, Rachel and George explore the realities of adulting. Spoiler alert: It’s not all fun and games, especially when it comes to those sneaky, money-related expenses. But, before you get too down, stick around because they’re sharing a special tip to instantly make adulthood less depressing! Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Go to our video on Did You Get “The (Money) Talk” as a Kid? 🗞️ Read George’s article, “Why Do I Owe Taxes This Year? 6 Common Reasons” 💛 Pick up a copy of Rachel’s new children’s book, I’m Glad for Where I Am. 🛳️ Book your cabin! Join Dave and the Ramsey Personalities for a luxurious celebration of financial freedom aboard the Live Like No One Else Cruise! 👩🏽‍💻 Are you protected with the right insurance? Find out with our online Coverage Checkup. 🚑 Get covered! Find a RamseyTrusted insurance pro at Zander Insurance. 🖋️ Create your legally binding will using our online will-maker, powered by Mama Bear Legal Forms. Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍋‍🟩 Reddish Rita Recipe courtesy of our Smart Money Happy Hour mixologist 1 ounce of reposado tequila 1 ounce of blanco tequila 3-4 ounces of orange liqueur 1 ounce of lime juice 1/2 ounce of agave nectar Instructions: In a cocktail shaker, combine reposado tequila, blanco tequila, orange liqueur, lime juice and agave nectar. Add ice and shake vigorously until well chilled. Strain the mixture into a salt-rimmed glass and enjoy! Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! It's Independence Day and Rachel and George are celebrating in true Smart Money Happy Hour style—with patriotic cocktails and a little chat about financial independence. Is it a realistic goal, or should you aim for financial peace instead? They'll answer these questions on financial dependencies and more. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Go check out our video on navigating awkward money conversations. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🇺🇸 American Collins Recipe: The Spruce Eats 1 1/2 ounces of gin 3/4 ounce of simple syrup 3–4 ounces of club soda 1/2 ounce of lemon juice 8 blueberries 4 cherries Instructions: In a collins glass, muddle blueberries, cherries, simple syrup and lemon juice. Then, add the gin and fill the glass with ice. Stir briefly and top with club soda. Garnish with a cherry and a lemon wheel and enjoy! Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! We’re all guilty of the occasional little white lie, but are they as harmless as they seem? Today, Rachel and George discuss how these fibs could actually be dipping into your wallet without you even noticing. Join them for a look at the financial impact of our everyday words. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Check out George’s video where he breaks down investing for beginners. 💰 Navigate your investments with expert guidance from a SmartVestor Pro. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍋 Creamy Lemonade Recipe: Every Little Crumb Servings: 6 Ingredients: • 1/2 can sweetened condensed milk • 1 cup lemon juice • 3 cups cold water • 2 cups ice Instructions: In a pitcher, whisk together the lemon juice and sweetened condensed milk. Add the cold water and stir, and then add the ice. For added flair, serve with extra lemon slices and optional mint leaves and enjoy! Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today to create a free budget! Are "Get Ready With Me" videos filling your feed? Join George and Rachel as they explore the internet's latest obsession with watching strangers’ routines, explain how it fuels comparison culture, and offer some helpful tips to keep your spending safe from viral trends. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Watch George and Rachel break down bad habits that are hurting your wallet. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🥃 Maple Bourbon Sour Recipe: Joy + Oliver Ingredients: • 1 1/2 ounce bourbon • 3/4 ounce lemon juice • 3/4 ounce maple syrup • 4 ice cubes • 1 rosemary sprig Instructions: In a cocktail shaker, combine the bourbon, lemon juice and maple syrup and fill with ice. Shake until fully combined and pour into your favorite cocktail glass. Garnish with fresh rosemary and enjoy! Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Ever feel like “going on vacation” is more work than rest? From booking flights to wrangling kids to drowning in laundry when you get home—it feels like the pre-trip to-do list never ends! So today, George and Rachel are digging into the true cost of rest when it comes to your time, relationships and most importantly, your money. Next Steps 🖥️ Sign up for FPU to start making progress with your money goals. 💸 Get your sinking fund questions answered with this step-by-step article. 🏖️ Get the scoop on the rise and fall of short-term vacation rentals. 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. Today’s Happy Hour Special: Orange Creamsicle Cocktail Recipe: StyledByDaisies.com Ingredients: · 2 ounces whipped vodka · 1 ounce Cointreau · 2 ounces orange juice · 1.5 ounces heavy cream · 1 orange slice Instructions: Add vodka, orange liqueur, orange juice, heavy cream and ice to a cocktail shaker. Shake for 15-30 seconds. Pour all contents into a cocktail glass, add more ice if needed, garnish with a fresh orange slice and enjoy! Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Ever think about turning your back on city life for wide, open spaces and self-sufficiency? From trendy aesthetics to what it really costs to live off the land, Rachel and George are exploring the allure of homesteading to see if the simple life truly is better. Next Steps · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. · 🎓 Learn to win with money by enrolling in Financial Peace University. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. Today’s Happy Hour Special: Earl Grey Tea and Tonic Mocktail 🍸 Recipe: Simply Recipes Ingredients: Earl Grey Tea Syrup · 1 cup sugar · 1/2 cup water · 2–3 Earl Grey tea bags Mocktail · 3/4 ounce Earl Grey tea syrup · 1/2 ounce freshly squeezed lemon juice · 3–4 ounces tonic water · 8 ounces crushed ice Instructions: To make the syrup, combine the water and sugar and bring it to a boil, then remove from the heat. Add the tea bags to steep and let it cool in the fridge for 30 minutes. Fill a highball glass with ice, then pour in the cooled syrup, lemon juice and tonic water. Gently stir and serve. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! In this week's episode, George and Rachel are giving financial transformations a nostalgic twist by channeling early 2000s makeover shows, complete with dramatic "before and after" reveals. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎓 Learn to win with money by enrolling in Financial Peace University. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to http://joindeleteme.com/smartmoney. Today’s Happy Hour Special: 🍸 Strawberry Basil Martini Recipe: Styled by Daisies Ingredients: 2 ounces gin 3/4 ounce strawberry simple syrup 4 basil leaves 1 ounce lemon juice 1 egg white Instructions: In a cocktail shaker, combine the gin, strawberry syrup, lemon juice, basil, and egg white. Dry shake, add 5–7 cubes of ice, then shake again. Strain into a chilled martini glass and garnish with a strawberry slice. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Ever wonder how far some people will go for money? Join George and Rachel as they unravel the dark side of money psychology and its gripping ties to true crime. From insurance payouts to money laundering, they’re uncovering what makes money a motive for crime. Next Steps · 🖋️ Make a plan for your legacy today! Create your state-specific will online with the help of Mama Bear Legal Forms. · 🔐 Protect your family’s future. Get free term life insurance quotes from Zander Insurance. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. Today’s Happy Hour Special:🍸 Black Widow Ingredients: · 1 ounce vodka · 2 ounces Chambord raspberry liqueur · 1/2 teaspoon activated charcoal powder · 1 teaspoon lime juice · 1 teaspoon simple syrup · 2 dashes Peychaud’s bitters · 2-3 Blackberries Instructions: Pour vodka, raspberry liqueur, charcoal powder, lime juice, simple syrup and bitters in a cocktail shaker filled with ice. Shake and strain into glass. Top with blackberries for garnish. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget! Sign up for EveryDollar today. If “financial literacy” is as foreign to you as our obsession with avocado toast, that could cost you a lot more than an embarrassing moment at brunch. Join Rachel and George for a breakdown of all the financial terms you need to know. But don’t worry, they’ll be attempting some random trivia of their own. Next Steps · 💰 It’s never too late to learn about personal finance! Learn more about any financial topic at ramsey solutions dot com. · 📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it. An Offer From Today's Sponsor This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan now . Today’s Happy Hour Special:🍸 Margarita Mocktail Recipe: Sugar and Charm Ingredients: · 1 ounce lime juice · 1 ounce lemon juice · 1 ounce simple syrup · 3 ounces club soda · Himalayan pink salt · 4 ice cubes Instructions: Fill a cocktail shaker with ice and add in the lemon juice, lime juice and simple syrup. Shake. Dip the rim of your glass into lime juice and Himalayan pink salt and add ice. Strain the mocktail into the salt-rimmed glass. Optional: Garnish with a lime wheel. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! What do puka shells, water beds and lifted trucks have in common? They’re all status symbols (or were at some point). In this episode, Rachel and George will unpack the most popular and bizarre status symbols from throughout history and around the world. They’ll also reveal which ones are worth pursuing—and how to not break the bank in the process. Next Steps · 📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Offers From Today's Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to http://joindeleteme.com/smartmoney. 🙌 Today’s Happy Hour Special 🍸 Chai White Russian Recipe: Cocktailwave.com Ingredients: · 2 ounces vodka · 1 ounce coffee liqueur · 2 bags chai tea · 1 ounce cream Instructions: Brew a strong cup of chai tea and let it cool. Stir together with vodka and coffee liqueur. Top with cream and stir gently. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Cue the confetti! What better way to celebrate Rachel's and George’s birthdays than with some birthday-themed trends and trivia, the birthday freebie list that dreams are made of, and affordable gift ideas. Plus, they’ll give their best tips for throwing a birthday bash on a budget. Next Steps · 📘 Check out Rachel’s newest book for a sweet way to talk to your kids about the most important gifts in their lives. · 💵 Start budgeting today! Go to everydollar.com/smartmoney to get $15 off the premium version of EveryDollar. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Paper Plane Recipe: Liquor.com Ingredients: · 3/4 ounce bourbon · 3/4 ounce Aperol · 3/4 ounce Amaro Nonino Quintessentia · 3/4 ounce lemon juice, freshly squeezed · Ice Instructions: Add the bourbon, Aperol, Amaro Nonino and lemon juice into a shaker with ice and shake until well chilled. Strain into a coupe glass. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget. Sign up for EveryDollar today! You were “today years old” when . . . you learned about catch-up contributions, HSA benefits and the scam of genuine leather. Today we’re spilling all the tea on money (and life) lessons we learned too early, too late or right on time. Next Steps 📗 Order George Kamel’s new book, Breaking Free From Broke. https://store.ramseysolutions.com 📱 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special ☕️ The BEST Espresso Martini Mocktail Recipe: Entirely Elizabeth Ingredients: - 4 ounces cold brew concentrate - 2 ounces heavy whipping cream - 2 ounces simple syrup - 1/4 teaspoon vanilla extract - 1 pinch of salt - 1 tablespoon cocoa powder - 2 coffee beans - Ice Instructions: Add cold brew concentrate, heavy whipping cream, simple syrup, vanilla extract and salt to a cocktail mixer and shake with ice. Coat the rim of a glass with simple syrup and cocoa powder. Pour coffee mixture into the glass. Garnish with coffee beans on top. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! We love a heroic attempt to save money! Until it backfires. (Let’s be real: We’ve all botched at least one DIY project.) Join Rachel and George for a relatable recap of the internet’s best frugal fails and find out where penny pinching might cost you more in the long run! Next Steps · 🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. ➡️ Don’t miss out on the tax deductions you qualify for—get help from a pro. · 💵 Start budgeting today! Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸 Dirty Shirley Recipe: New York Times Cooking Ingredients: · 2 ounces vodka · 1 ounce grenadine · 8 ounces Sprite · 1 maraschino cherry · Ice Instructions: Fill a glass with ice. Add vodka and grenadine. Top with Sprite and garnish with a maraschino cherry. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget! Sign up for EveryDollar today. Venmo requests for $2? Obsessively checking the Dow’s daily swings? No thanks! Rachel and George are calling out America’s cringiest financial “icks” so you don’t have to. Plus, they’ve got some thoughts for the haters who think our tried-and-true financial principles are a total turnoff. Next Steps · 🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. · ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Corpse Reviver No. 2 Recipe: Difford’s Guide Ingredients: · 3/4 ounce gin · 3/4 ounce triple sec · 3/4 ounce Lillet Blanc · 3/4 ounce fresh lemon juice · 2 dashes absinthe · Ice Instructions: Shake all ingredients with ice and fine strain into a chilled glass. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today - Create a free Budget! Stash, stash, spend! In this episode, Rachel and George are breaking down America’s current attitude about saving money. Plus, they’ll decide which popular explanations for dipping into savings are justified—and their answers might surprise you. Next Steps · 🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. · ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Blackberry Paloma Mocktail Recipe: Moody Mixologist Ingredients: · 4 fresh blackberries · 5 dashes smoked chili bitters · 1/2 ounce lime juice · 6 ounces grapefruit soda · 1 ounce butterfly pea tea (room temperature) · Ice Instructions: Prepare butterfly pea tea according to package instructions and let cool. Muddle three blackberries in the bottom of a glass. Add bitters and lime juice. Muddle again. Top with ice and grapefruit soda. Add butterfly pea tea and garnish with the remaining blackberry. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget! Sign up for EveryDollar today. Life is hard, but it’s nothing a “little treat” can’t fix . . . right? Get Rachel and George’s take on the true cost of those seemingly innocent serotonin splurges. Plus, we’re keeping our hosts honest about the treats they secretly love to indulge in! Next Steps · 🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. · ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Mudslide Ingredients: · 2 ounces vodka · 1 ounce Bailey’s Irish Cream · 1 ounce Kahlúa · 1 1/2 ounces heavy cream · Chocolate syrup Instructions: In a cocktail shaker filled with ice, combine the vodka, Bailey’s, Kahlúa and heavy cream. Shake until well chilled. Decorate the inside of your favorite cocktail glass with a drizzle of chocolate syrup. Strain the shaker into the decorated glass and enjoy! Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Are we the world’s biggest basketball fans? Not exactly. But we’re always game for a friendly bracket competition! Join Rachel and George for a special round of March MONEY Madness as they debate some of the worst financial products in the world. Next Steps · 🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. · ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Grapefruit Jalapeño Mocktail Recipe: Allianna's Kitchen Grapefruit Mocktail Ingredients: · 1 cup grapefruit juice · 1 cup club soda · 1/2 small jalapeño · 1 teaspoon lime juice · Ice Instructions: Mix grapefruit juice, lime juice and club soda in a glass. Add ice. Garnish with 2–5 jalapeño slices, stir and serve. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! What do Smart Money Happy Hour viewers really think about cutting up credit cards, the Baby Steps, and combining finances with their spouse? Tune in to find out! This week, George and Rachel react to your comments and raise their glasses to all the keyboard critics, trolls and BFFs who keep things lively in the comments section. Next Steps · 🎥 Check out the popular video where we explain our most hated financial advice. · ➡️ Need a plan for your money? Check out Financial Peace University. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸Gold Rush Recipe by: Difford’s Guide Ingredients: · 2 ounces bourbon whiskey · 3/4 ounce lemon juice · 3/4 ounce honey syrup (3 honey to 1 water) · 3 drops saline solution 4:1 (20g sea salt to 80g water) Directions: Serve in an old-fashioned glass. Garnish with lemon wedge. Shake all ingredients with ice and fine strain into ice-filled glass. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! We admit it: We love saving money! This week, George and Rachel are dishing out some of their favorite legit (and ludicrous) money loopholes, discounts and freebies that you might miss if you don’t read the fine print. (Free refills at Starbucks? Hello!) Next Steps · 🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke. · ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Grapefruit Coconut Cooler Recipe: Sunny’s Grapefruit-Coconut Cooler Ingredients: · 8 ounces Ruby Red or pink grapefruit juice · 2 ounces cream of coconut · 1/2 ounce agave nectar Instructions: Combine the grapefruit juice, cream of coconut and agave in a small pitcher or bowl and stir to blend. Pour into a glass over ice. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Did your parents give you “the talk” as a kid—the money talk, that is? This week, Rachel and George weigh in on how previous generations have done with teaching their kids about money, and what you need to know to raise your own money-smart kids. Next Steps · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special 🍸 Oaxaca Old Fashioned (with Mezcal) Recipe by: A Couple Cooks Ingredients: · 1 1/2 ounces tequila reposado · 1/2 ounce mezcal · 1 teaspoon agave syrup or honey · 3 dashes chocolate bitters (or substitute Angostura bitters) · Large clear ice cube · Orange peel, for garnish Instructions: 1. Stir the tequila, mezcal, agave syrup, and bitters in a lowball glass. Add a large clear ice cube. 2. Express the orange peel onto the glass by squeezing it to release the oils. Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! It’s Smart Money Happy Hour, of course we’re going to take a crack at a fun social media trend and use it to talk about money! This week, Rachel and George put an #OfCourse! twist on things Baby Steps Millionaires do to reach that $1 million milestone and keep building wealth. Shout out to the following creators for their #OfCourse! takes: @kaycegbrown, @dom.domination, @kellymann, @__QueenSie__ and @emyxbudgetsahm. Next Steps · 🎥 Want to do a deeper dive on the Baby Steps? Check out the How to Start Becoming a Millionaire in 2024 episode. · 📗Spark conversations with your kids about contentment with Rachel’s kids book, I’m Glad for What I Have. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸Roseberry Mule Mocktail Recipe by: Tasty Ingredients: · 1 handful blackberries · 1 sprig fresh rosemary · 1 tablespoon agave nectar or honey · 1 bottle ginger beer, to taste · 1 ounce lime juice · Ice Instructions: 1. In a cocktail shaker or a tall glass, muddle blackberries and rosemary. 2. Add sweetener and ice, shake until well combined. (If you do not have a cocktail shaker, simply pour back and forth between two glasses until combined.) 3. Strain mixture over ice and add ginger beer and a squeeze of lime to taste. 4. Garnish with blackberries and a sprig of rosemary. Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! Room service or extra room? Live like you’ve got a maid or live like a local? Rachel and George weigh in on the pros and cons of staying in a short-term rental (versus a hotel). And if you’re thinking about investing, they’ve got smart money advice for that too. Next Steps · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸Limelight Recipe by: Queen Bee Mixology · 2 ounces Brother’s Bond bourbon · 1/2 ounce lime juice · 3/4 ounce simple syrup · 3/4 ounce pineapple juice · 3 dashes orange bitters · 1 ounce Campari · Sprinkle of cinnamon Instructions: · Add all ingredients, except Campari and cinnamon, to a cocktail shaker, top with ice, and shake until chilled. · Add 1 ounce of Campari to cocktail glass, add fresh ice, and strain cocktail shaker contents over top. · Sprinkle the top with cinnamon and enjoy! Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign up for EveryDollar today. Create a free budget! You can’t buy love . . . but don’t tell that to the guy who spends $499 a month on dating apps! Today, George and Rachel break down the cost of dating and what the average American relationship will cost you over a lifetime. The bottom line: Whether you’re married or single, love is expensive—budget accordingly. Next Steps · 💡 Need some budget-friendly date ideas? Check out 45 Cheap Date Ideas You’ll Actually Want to Go On. · 💵 Start budgeting today! Go to www.everydollar.com/smartmoney to get started. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar. · 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸 Sparkling Raspberry Floats Recipe by: RICARDO Ingredients: · 2 cups raspberry sorbet · 4 dessert cups, placed in the freezer for one hour or more · Edible gold leaf glitter · 2 cups (500 ml) ginger ale Instructions: Place a scoop of raspberry sorbet at the bottom of each dessert or martini glass. Sprinkle with gold leaf glitter. Pour ginger ale in small glasses and serve alongside sorbet. Let each person pour soda over sorbet. Listen to More From Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Why are wealthy people dressing like they have no money while broke people are trying to dress like they live at the Biltmore? In this episode, George and Rachel break down the latest fashion trends, how they affect your bank account, and why we tend to want what we don’t have. In this episode: · Why trendy things will never be worth what you pay for them, like the Stanley tumbler in cosmo pink · Money advice that will always be in style: Spend wisely and don’t go into debt for anything (especially clothes!) · George and Rachel reveal their worst fashion moments (Carhartt overalls are mentioned—and not by George) Resources: · Want to make real progress with your money? Get tickets to Total Money Makeover Weekend today. · 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/smart 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/company/policies/privacy-policy This Week’s Happy Hour Special: Maple Manhattan Recipe by Flour Child Ingredients: · 1 jigger bourbon · 1/2 ounce sweet vermouth · 1 tablespoon maple syrup · 2–3 dashes angostura bitters · 1–2 Luxardo cherries Instructions: 1. Add one scoop of fresh ice to a cocktail shaker. 2. Pour in all ingredients. 3. Shake for about 20 seconds and then strain into a cocktail or coupe glass. 4. Garnish with a Luxardo cherry. Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s out with the old and in with the new! George and Rachel are sounding off on the bad habits you need to quit in 2024—like not having an emergency fund, impulse buying, and forgetting your blinker—and sharing some smart money habits to build instead. Plus, get the $1.32 mocktail that earned a 10 out of 10. In this episode: · Rachel’s “add it to the cart” habit to help you spend less money · The habit George loves that lets you earn 3–5% more money · Habit-change motivation from the great philosopher Miley Cyrus: “Ain’t about how fast I get there . . . it’s the climb.” Resources: · What to make real progress with your money? Get tickets to Total Money Makeover Weekend today. · Get George’s new book, Breaking Free From Broke, and get three months free of the premium version of EveryDollar. · 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/smart 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. · Help us make the show better! Please fill out the quick survey. https://bit.ly/3U2zLeP · Learn more about your ad choices: https://www.megaphone.fm/adchoices · Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: Mojito Mocktail Recipe by Culinary Hill Ingredients: · 10 fresh mint leaves plus more for garnish (see note 1) · 1/2 lime cut into 4 wedges, divided · 2 tablespoons granulated sugar or to taste (see note 2) · 1 cup ice cubes · 1/2 cup club soda (see note 3) Instructions: 1. In a medium sturdy glass add mint leaves and 1 lime wedge. Use a muddler to crush the mint and lime, releasing the mint oils and lime juice. 2. Add 2 more lime wedges and the sugar, and muddle again to release the lime juice. Do not strain the mixture. 3. Fill the glass almost to the top with ice. Add club soda and more sugar to taste if desired. Garnish with mint leaves and remaining lime wedge. Notes: 1. Mint: Mojitos are typically made with spearmint, not peppermint. 2. Sugar: Or substitute agave, honey, or simple syrup and add it to taste. However, the grittiness of granulated sugar adds texture and is part of the charm of a mojito. 3. Club soda: Or choose sparkling water or a clear soda such as Sprite of 7UP. 4. Yield: This recipe makes 1 mojito mocktail. Learn more about your ad choices. Visit megaphone.fm/adchoices

Some things we’ve just gotten used to—like $4 coffee, the F-bomb on TV, and your cousin Fred oversharing on Facebook. But has our nothing-shocks-us society also desensitized us to the effects of living in debt? George and Rachel weigh in. Join them for a New York twist on a classic cocktail and smart money tips to ditch debt and build wealth. In this episode: Things we should find shocking, like a $500 car payment and retiring with a mortgage Sputnik, “Carmageddon” and the gateway drug to debt: the credit score The antidote to overspending (so you can enjoy what you have now while you work for the things you want later) Resources: What to make real progress with your money? Get tickets to Total Money Makeover Weekend today. Get George’s new book, Breaking Free From Broke. 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/smart 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/company/policies/privacy-policy This Week’s Happy Hour Special: New York Sour Ingredients: 2 ounces bourbon 1 ounce lemon juice 1/2 ounce simple syrup 1 egg white 2 dashes angostura bitters 1/2 ounce claret wine Instructions: Add the bourbon, lemon juice, simple syrup and egg white into a shaker with ice. Shake it vigorously until it's chilled. Then strain the mixture into a rocks glass over fresh ice. Slowly pour the claret wine over the back of a bar spoon so the wine floats on top of the drink. Voilà! Sip your sour in New York style. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you shop like the cool kids? Join Rachel and George for a breakdown on the brands and stores American teens loved in 2023 and the cash app they used to pay for it all. (Caution: This episode contains high levels of nostalgia. Side effects may include sudden reminiscing and an overwhelming urge to say, “Back in my day . . .”) In this episode: · What the average teen spends $200 a month on · Rachel explains physical cash to teenagers and why it’s better than digital · The biggest money trap teens are falling for and how to help your kids avoid them 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/company/policies/privacy-policy This Week’s Happy Hour Special: Spicy Pineapple Ginger Mocktail Recipe by Ramona Cruz-Peters at FabEveryday Ingredients: · Ice, for shaker and for glass · 3 ounces pineapple juice, plus more for rimming · 1 ounce agave nectar · 1/2 teaspoon chili powder · Ginger beer, chilled (for top off) · Tajin seasoning, for rimming · Small pineapple wedge, for garnish (optional) · Whole Thai chili pepper or thinly sliced jalapeno, for garnish (optional) Instructions: Add 3 ounces pineapple juice, agave nectar, and chili powder to a cocktail shaker filled with ice. Cover and shake until the ingredients are well mixed and chilled. Place additional pineapple juice on a small saucer or plate. Place the Tajin seasoning on a separate small plate. Dip the rim of a rocks glass in the pineapple juice, followed by the Tajin to coat the rim. Pour ice into the glass, then pour the pineapple mixture over the ice. Top off with ginger beer. If desired, garnish with a small wedge of pineapple and a chili pepper (or a few slices of jalapeno). Learn more about your ad choices. Visit megaphone.fm/adchoices

Think you’ll never make it to $1 million? Think again! This week, George and Rachel break down the proven path to this iconic financial milestone and bust some myths about the lifestyles that everyday millionaires (like themselves) actually live. Listen in to learn how you can get one step closer to millionaire status in 2024! In this episode: · One of the most epic moments in 1990s game show history · The top five (surprisingly normal) careers of millionaires in the U.S. · The exact steps both Rachel and George took to become net-worth millionaires 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. · Preorder George’s new book, Breaking Free From Broke, today! · Learn more about your ad choices: https://www.megaphone.fm/adchoices · Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: Kir Royale Ingredients: · 4 ounces champagne · 1 ounce of crème de cassis · 3 raspberries Instructions: Add the crème de cassis to a champagne flute and then top with the champagne. Skewer the raspberries on a toothpick to garnish (or keep it simple and just drop them in your glass). Enjoy! 🥂 Learn more about your ad choices. Visit megaphone.fm/adchoices

Resolution #1: Don’t fall for the hype! Just in time for 2024, Rachel and George are here to protect your budget (and your sanity) from the Internet trends and must-have products that don’t pay off—and green-light some that do. In this episode: · Is Taylor Swift really worth her weight in gold? · George throws some shade on the TikTokers · Why paying with cash (and resisting an impulse buy) is always cool Resources: · Pre-order George’s new book, Breaking Free From Broke, today. · 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/company/policies/privacy-policy This Week’s Happy Hour Special: Smoked Campfire Mule Ingredients: · 1 1/2 ounces bourbon · 1/2 ounce of lemon juice · 1/4 ounce of maple syrup · 4 ounces of ginger beer · 1 toasted marshmallow (for garnish) · Wood chips (for smoking) Instructions: Before mixing the cocktail, smoke the glass. (Pro tip: The smoke will stick better to a chilled glass.) Light the ingredient that you’re smoking (we used a few wood chips) with a match. Turn your chilled glass upside down over the smoke and allow it to fill the interior of the glass. Leave your glass upside down over the smoke and start making your cocktail. Add the bourbon, lemon juice, maple syrup and ice into a shaker, then shake until chilled. Strain the liquid into the smoked glass and top with ginger beer. Garnish with a toasted marshmallow (use a kitchen food torch to toast it) and cheers to 2024! Learn more about your ad choices. Visit megaphone.fm/adchoices

Put your tray tables up and hold on to your drinks, George and Rachel are taking you on a world tour of the national holidays that you never knew existed (plus a few that you did) and sharing their money-related hot takes along the way. Grab your party hat and join the fun because, hey, it's a holiday somewhere! In this episode: · George is cast as Grinch—or is he Scrooge? · The fast-food favorite that the Japanese eat every Christmas Eve · A holiday reminder not to let “December you” financially sink “January you” 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. · Start making memories. Get Telestrations at Walmart or wherever you buy board games. · 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. · Pre-order George’s new book, Breaking Free From Broke, today! · Learn more about your ad choices: https://www.megaphone.fm/adchoices · Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: Christmas Mocktail Recipe from Love Bakes Good Cakes Ingredients: · Ice · 2 ounces cranberry juice · 2 ounces apple cider or apple juice · 1 ounce orange juice, fresh squeezed · 2 ounces ginger ale Instructions: Fill a tall glass with ice. Add the cranberry juice, apple cider, and orange juice, stir to combine. Top with ginger ale. Serve with garnishes of your choice. Notes: This can also be made in a large pitcher. Keep the measurements the same, 2 cranberry juice, 2 apple cider, 2 ginger ale, to 1 orange juice. Want to add alcohol? Gin, vodka, rum, or tequila are all good choices! Learn more about your ad choices. Visit megaphone.fm/adchoices

Ho ho ho? Oh no no no. Rachel and George look back on live calls from The Ramsey Show that they wish they’d handled differently. Stay tuned for a budget-friendly cocktail and money advice served up with a twist of #noragrets. In this episode: · The one where George put (the horse’s) foot in his mouth · The one where Rachel gets corrected on air · George and Rachel redeem themselves with quick thinking and solid money advice in an exciting round of “Don’t Get Buzzed!” Resources: · Listen to or watch The Ramsey Show now. · 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. · Start making memories. Get Telestrations at Walmart today! · 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. · Pre-order George’s new book, Breaking Free From Broke, today! · Learn more about your ad choices: https://www.megaphone.fm/adchoices · Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: Bourbon Apple Cider Mimosa Ingredients: · 1 ounce bourbon · 2 ounces apple cider · 3 ounces champagne · caramel sauce · apple slices (optional) Instructions: Rim the champagne flute with caramel sauce. Pour in the bourbon, add the apple cider, and top it off with the champagne. Garnish with a few thin apple slices, take a sip, and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Have more money and less stress! Preorder Breaking Free From Broke for just $20 and get $100 of bonus items! But hurry—this limited time offer ends 1/15/2024. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve got champagne taste on a beer budget, this is your wake-up call! George and Rachel share their hot takes on things people do that scream, “I’m bad with money!” If any of this sounds familiar to you, don’t panic. Stick around for smart money advice—and even a cocktail you can afford. In this episode: · George’s hot takes on babies in designer clothes, broke people getting tattoos, and “shopping” at Rent-A-Center · Why an “I can afford the payments” mentality is risky · Encouragement that it’s not too late to develop a smart money mindset 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. · Start making memories. Get Telestrations at Walmart or wherever you buy board games. · 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. · Pre-order George’s new book, Breaking Free From Broke, today! · Learn more about your ad choices: https://www.megaphone.fm/adchoices · Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy This Week’s Happy Hour Special: Neptune’s Gardens Recipe by @speakeasieruk Ingredients: · 1 1/2 ounces tequila · 3/4 ounce lime juice · 1/2 ounce elderflower liqueur · 1/2 ounce blue curacao · 1 egg white Instructions: Combine the ingredients in cocktail shaker and shake well. Strain it into a chilled glass and enjoy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a smart spender or a stingy cheapskate? Rachel’s mom, Sharon—the OG budgeting queen—joins the show to give her two cents (but not a penny more). Sharon helps George and Rachel give advice to listeners who are wondering if their “frugal” habits have gone too far. In this episode: · Dear Sharon: an exclusive advice column segment featuring everyone’s favorite Ramsey family member · The wildest things all three hosts (and others) have done to save a buck · How to know if you’re being ridiculous about budgeting or being wise with your money 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. · Pre-order George’s new book, Breaking Free From Broke, today! · Learn more about your ad choices · Ramsey Solutions Privacy Policy This Week’s Happy Hour Special: Dirty Martini Ingredients: · 2 1/2 ounces vodka · 1/2 ounce dry vermouth · 1/2 ounce olive brine · 3 olives for garnish Instructions: Fill a shaker with ice, then add the vodka, vermouth and olive brine. Shake until well chilled (about 15–20 seconds). Using a fine mesh strainer, double strain the liquid into a chilled cocktail glass. Garnish with a skewer of olives Learn more about your ad choices. Visit megaphone.fm/adchoices