Smart Money Happy Hour with Rachel Cruze and George Kamel

💵 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. ·💵 Start budgeting today! 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. ·📱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

💵 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 ·💵 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 🍸 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

💵 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 ·💵 Start budgeting today! 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. ·🎥 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

💵 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 ·💵 Start budgeting today! 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. ·📱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

💵 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

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.

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.

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 Weekendtoday. 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.

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).

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! 🥂