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Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love.
Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love.
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Rachel Cruze is a personal finance expert, author, and speaker known for her work on helping people manage their money and live financially free. She is a spokesperson for Ramsey Solutions and hosts The Rachel Cruze Show, where she shares practical advice on budgeting, saving, and building wealth.
Rachel Cruze is a personal finance expert, author, and speaker known for her work on helping people manage their money and live financially free. She is a spokesperson for Ramsey Solutions and hosts The Rachel Cruze Show, where she shares practical advice on budgeting, saving, and building wealth.
George Kamel is a personal finance expert, speaker, and author associated with Ramsey Solutions. He is a host on The Ramsey Show and The Rachel Cruze Show, providing insights on money management, financial planning, and helping listeners achieve their financial goals.
George Kamel is a personal finance expert, speaker, and author associated with Ramsey Solutions. He is a host on The Ramsey Show and The Rachel Cruze Show, providing insights on money management, financial planning, and helping listeners achieve their financial goals.
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Are you on track with the Baby Steps? Get a free personalized plan.
Swapping sparklers for potato flakes for a budget-friendly wedding send-off might seem smartuntil you end up covered in mashed potato. In this episode, Rachel and George react to real frugal wedding fails and share their take on whats actually worth the money when planning your big day.
Next Steps:
Watch our video 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! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type GUILTY? at the top of your message so we dont miss it.
The simplest way to budget. Download the EveryDollar app for free!
Connect With Our Sponsors:
Get 20% off when you join DeleteMe.
Get up to 40% off with code SMARTMONEY at Cozy Earth.
Todays Happy Hour Special: Aperol Tequila Sour
Recipe: @cocktails
1 1/2 ounces tequila
1/2 ounce Aperol
1/2 ounce strawberry syrup
3/4 ounce lemon juice
1 egg white
3 dashes Angostura bitters
Instructions: Add all ingredients to a shaker. Shake without ice and then shake again with ice. Double strain over ice and add dashes of bitters.
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
Are you on track with the Baby Steps? Get a free personalized plan.
Swapping sparklers for potato flakes for a budget-friendly wedding send-off might seem smartuntil you end up covered in mashed potato. In this episode, Rachel and George react to real frugal wedding fails and share their take on whats actually worth the money when planning your big day.
Next Steps:
Watch our video 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! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type GUILTY? at the top of your message so we dont miss it.
The simplest way to budget. Download the EveryDollar app for free!
Connect With Our Sponsors:
Get 20% off when you join DeleteMe.
Get up to 40% off with code SMARTMONEY at Cozy Earth.
Todays Happy Hour Special: Aperol Tequila Sour
Recipe: @cocktails
1 1/2 ounces tequila
1/2 ounce Aperol
1/2 ounce strawberry syrup
3/4 ounce lemon juice
1 egg white
3 dashes Angostura bitters
Instructions: Add all ingredients to a shaker. Shake without ice and then shake again with ice. Double strain over ice and add dashes of bitters.
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
0:0042:44
We’re Here to Judge Your Guilty Pleasures (With Love)
📈 Are you on track with the Baby Steps? Get a free personalized plan.
Could your guilty pleasures—like fancy water or a fresh manicure appointment—actually be keeping you broke? Find out in this episode as Rachel and George reveal their own “guilty pleasure” purchases, plus react to some of yours.
Next Steps:
🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account.
🍸 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.
💵 The simplest way to budget. Download the EveryDollar app for free!
Connect With Our Sponsors:
Get 20% off when you join DeleteMe.
Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🥃 The King’s Shilling
Recipe: @anatomyofadrink
1 ounce bourbon
1 ounce aged rum
1/4 ounce coffee liqueur
1/4 ounce pineapple syrup
3 dashes Angostura bitters
Orange twist as a garnish
Instructions: Add all ingredients to a mixing glass and stir with ice until chilled. Strain into a glass over a large ice cube. Garnish with an orange twist.
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
📈 Are you on track with the Baby Steps? Get a free personalized plan.
Could your guilty pleasures—like fancy water or a fresh manicure appointment—actually be keeping you broke? Find out in this episode as Rachel and George reveal their own “guilty pleasure” purchases, plus react to some of yours.
Next Steps:
🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account.
🍸 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.
💵 The simplest way to budget. Download the EveryDollar app for free!
Connect With Our Sponsors:
Get 20% off when you join DeleteMe.
Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🥃 The King’s Shilling
Recipe: @anatomyofadrink
1 ounce bourbon
1 ounce aged rum
1/4 ounce coffee liqueur
1/4 ounce pineapple syrup
3 dashes Angostura bitters
Orange twist as a garnish
Instructions: Add all ingredients to a mixing glass and stir with ice until chilled. Strain into a glass over a large ice cube. Garnish with an orange twist.
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
0:0040:24
Are You a Quality or a Quantity Person? (And How That Affects Your Money)
Hosts
Hosts of this podcast episode
Rachel Cruze
Guests
Guests of this podcast episode
George Kamel
Keywords
Keywords of this podcast episode
money managementquality vs. quantitybudgetingpersonal financeBaby Stepssplurge or save
📈 Are you on track with the Baby Steps? Get a free personalized plan.
Would you rather buy one pair of expensive designer shoes or get five cheap pairs in every color? In this episode, Rachel and George make their case for quality vs. quantity, plus help you decide when it’s best to splurge or save.
Next Steps:
🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account.
🍸 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.
💵 The simplest way to budget. Download the EveryDollar app for free!
Connect With Our Sponsors:
Get 20% off when you join DeleteMe.
Get up to 40% off with code SMARTMONEY at Cozy Earth.
Instructions: Select and pre-chill an old-fashioned glass. Shake all ingredients with ice and strain into an ice-filled glass. Garnish with a lime wedge.
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
📈 Are you on track with the Baby Steps? Get a free personalized plan.
Would you rather buy one pair of expensive designer shoes or get five cheap pairs in every color? In this episode, Rachel and George make their case for quality vs. quantity, plus help you decide when it’s best to splurge or save.
Next Steps:
🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account.
🍸 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.
💵 The simplest way to budget. Download the EveryDollar app for free!
Connect With Our Sponsors:
Get 20% off when you join DeleteMe.
Get up to 40% off with code SMARTMONEY at Cozy Earth.
Instructions: Select and pre-chill an old-fashioned glass. Shake all ingredients with ice and strain into an ice-filled glass. Garnish with a lime wedge.
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
0:0042:03
’90s Status Symbols That Screamed “We’re Rich!”
Hosts
Hosts of this podcast episode
Rachel CruzeGeorge Kamel
Guests
Guests of this podcast episode
Rachel CruzeGeorge Kamel
Keywords
Keywords of this podcast episode
90s status symbolsnostalgiapersonal financeBaby Stepsbudgetingwealth symbolspop culture
📈 Are you on track with the Baby Steps? Get a free personalized plan.
From Abercrombie jeans to Juicy Couture tracksuits, some things just felt fancier in the ’90s. In this episode, Rachel and George invite you to play along as they reveal the price of nostalgic status symbols and decide if they’re still worth the splurge today.
Next Steps:
🎥 Watch our video Do We Have It Harder Financially Than Our Parents?
🍸 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.
💵 The simplest way to budget. Download the EveryDollar app for free!
Connect With Our Sponsors:
🔒 Get 20% off when you join DeleteMe.
🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🍹Coconut Mojito Mocktail
Recipe: Kale Junkie
1/4 cup light canned coconut milk
1/2 lime
2 ounces ginger beer
2 ounces sparkling water
10 mint leaves
Sea salt for rimming the glass
Instructions: Cut the lime into slices and rub one of the slices along the rim of a tall glass, so that the lime juice coats it. Place the glass rim-down into the sea salt and rotate until the sea salt sticks to the rim. Add the mint leaves to a
tall glass , then, using a muddler or a spoon, muddle the mint leaves together until the minty smell begins to release. Add all the ingredients and stir.
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
📈 Are you on track with the Baby Steps? Get a free personalized plan.
From Abercrombie jeans to Juicy Couture tracksuits, some things just felt fancier in the ’90s. In this episode, Rachel and George invite you to play along as they reveal the price of nostalgic status symbols and decide if they’re still worth the splurge today.
Next Steps:
🎥 Watch our video Do We Have It Harder Financially Than Our Parents?
🍸 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.
💵 The simplest way to budget. Download the EveryDollar app for free!
Connect With Our Sponsors:
🔒 Get 20% off when you join DeleteMe.
🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🍹Coconut Mojito Mocktail
Recipe: Kale Junkie
1/4 cup light canned coconut milk
1/2 lime
2 ounces ginger beer
2 ounces sparkling water
10 mint leaves
Sea salt for rimming the glass
Instructions: Cut the lime into slices and rub one of the slices along the rim of a tall glass, so that the lime juice coats it. Place the glass rim-down into the sea salt and rotate until the sea salt sticks to the rim. Add the mint leaves to a
tall glass , then, using a muddler or a spoon, muddle the mint leaves together until the minty smell begins to release. Add all the ingredients and stir.
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
0:0034:56
Reacting to the Wildest “Am I the Jerk?” Reddit Threads
Hosts
Hosts of this podcast episode
Rachel CruzeGeorge Kamel
Keywords
Keywords of this podcast episode
Baby Stepsmoney problemsRedditAm I the Jerk?personalized plan
📈 Are you on track with the Baby Steps? Get a free personalized plan.
If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk.
Next Steps:
🎥 Watch our video 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! 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.
💵 Start your free budget today. Download the EveryDollar app!
Connect With Our Sponsors:
🔒 Get 20% off when you join DeleteMe.
🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🍸 Classic Gimlet
2 1/2 ounces gin
1/2 ounce lime juice
1/2 ounce simple syrup
Instructions: Combine all ingredients in a cocktail shaker filled with ice. Shake for 10–15 seconds until well chilled. Double strain through fine mesh strainer into chilled coupe glass. Garnish with a lime 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
📈 Are you on track with the Baby Steps? Get a free personalized plan.
If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk.
Next Steps:
🎥 Watch our video 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! 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.
💵 Start your free budget today. Download the EveryDollar app!
Connect With Our Sponsors:
🔒 Get 20% off when you join DeleteMe.
🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🍸 Classic Gimlet
2 1/2 ounces gin
1/2 ounce lime juice
1/2 ounce simple syrup
Instructions: Combine all ingredients in a cocktail shaker filled with ice. Shake for 10–15 seconds until well chilled. Double strain through fine mesh strainer into chilled coupe glass. Garnish with a lime 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
Ratings
Global:
Global ratings are aggregates of the individual countries