Smart Money Happy Hour with Rachel Cruze and George Kamel

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!

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!

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!

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.

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.

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

It just so happens that you can learn a lot about someone by looking at their Amazon purchase history. Who knew? In this episode, you’ll learn a lot about George and Rachel as they entertain you with a few gems from their own purchase histories (including their very first Amazon buys). Plus, they’ll weigh in with a few tips to shop smart online—during the upcoming holiday sales or any time. In this episode: ·The Amazon purchases George and Rachel made because they were “influenced” ·Rachel’s “add to cart” rule ·George never spends money to do this one thing Helpful Resources: ·Pick up a copy of George’s new book, Breaking Free From Broke. ·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. ·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: Rosemary Pear Mocktail Recipe by Mash & Spread Ingredients (makes 1 cocktail): For the rosemary syrup: ·1 cup sugar ·1 cup water ·2–3 sprigs fresh rosemary For the mocktail: ·ice ·4 tablespoons pear juice ·1 tablespoon rosemary simple syrup ·1 teaspoon lemon juice ·6 tablespoons sparkling water ·Sliced pear (for garnish) ·2–3 sprigs thyme (for garnish) Instructions: For the rosemary syrup: Combine sugar and water in a pot and cook over medium heat. Cook until sugar is completely melted/dissolved. Turn off heat and allow mix to cool with rosemary sprigs. Once cooled, remove the rosemary sprigs and set syrup aside. For the mocktail: Fill glass halfway with ice. Pour pear juice, rosemary simple syrup, lemon juice and sparkling water. Garnish with fresh pear slices or sprigs of thyme.

From pyramid schemes to phishing emails, marketing ploys are more sophisticated than ever. Listen in as George and Rachel discuss some of the oldest scams known to man, what they look and sound like today, and how to avoid the “snake oil’ salesmen of 2023 (lookin’ at you, TikTok influencers). In this episode: ·Crazy “exclusive” deals that need more investigation before you buy ·Why “too good to be true” really is (probably) too good to be true ·The mocktail that tastes like “Christmas in a cup” Helpful Resources: ·Start making memories. Go NOW and get Telestrations at Walmart or wherever you buy board games. ·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. ·Pre-order George's new book, Breaking Free From Broke, today! ·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: Apple Butter Mocktail Find the original recipe here. Ingredients: ·1 ounce apple juice ·2 tablespoons of apple butter ·Dash of non-alcoholic orange bitters ·Juice of 1/2 lemon ·Ginger beer ·Coarse cinnamon sugar and simple syrup, for rimming ·Thinly sliced apples and a cinnamon stick, to garnish Instructions: Pour some simple syrup on a plate and some coarse cinnamon sugar on another.Then, dip the rim of your cocktail glass into the syrup and then into the sugar, twisting to coat, before adding ice cubes to the glass. Combine the apple juice, apple butter, lemon juice and bitters in a cocktail shaker and give it a dry shake (in other words, a shake without ice). Shake vigorously until properly combined then strain the mixture into your prepared cocktail glass. Top up with ginger beer and garnish with a cinnamon stick and apple slice on the rim to serve.

Do we have something to learn from the world’s richest people, or did they just get lucky? They may be good with money, but will their advice work for you too? Tune in to find out! Rachel and George are reacting to money quotes from some of the wealthiest people in the world, like Elon Musk, Jeff Bezos and Oprah (just to name a few). In this episode: ·The ultimate (first-ever) game of Pin the Quote on the Billionaire ·What we all have in common with Kim Kardashian ·Billion-dollar advice you can take to the bank 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. ·Pre-order George's new book, Breaking Free From Broke, today! ·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/compa... This Week’s Happy Hour Special: Brazilian Lemonade Ingredients: ·1 1/2 limes ·4 tablespoons granulated sugar ·1/2 cup sweetened condensed milk ·3 cups water ·2 ounces rum Servings: 3 to 4 Instructions: Wash the limes. Then, throw the water and the limes (rinds and all) into a blender. Blend until there are no chunks, then strain it through a fine mesh strainer. Return liquid to the blender and add the sugar, rum and sweetened condensed milk. Blend it again, then serve over ice. Garnish with a lime wheel and some mint. Enjoy!

The average American wedding runs about $30,000—which is making 73% of Millennials and Gen Zers reconsider whether they can afford one. Listen in as George and Rachel decide what they’d cut from a $30,000 wedding budget and weigh in on four more reasons people aren’t tying the knot (they’re not about the wedding, but they’re all about the money). In this episode: ·How to choose your wedding budget must-haves ·Rachel’s take on prenups and why you might not want one ·Four financial reasons people aren’t getting married, and George and Rachel’s take on why money shouldn’t be the reason you don’t say “I do” Helpful Resources: ·Start making memories. Go NOW and purchase 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. ·Preorder George’s new book, Breaking Free From Broke, today! ·Watch George’s YouTube video How I Got a Free Wedding ·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/compa... This Week’s Happy Hour Special: El Torado Ingredients: ·2 ounces reposado tequila ·1/2 ounce dry vermouth ·1 1/2 ounces unfiltered apple juice Instructions: Add tequila, vermouth and apple juice into a chilled cocktail shaker, then add ice. Shake it well, then strain into coupe cocktail glasses and serve.