Explore every episode of the podcast Smart Money Happy Hour with Rachel Cruze and George Kamel

💻 Looking for an advisor? Check out SmartVestor Pro! Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.   Hear us out: What if sometimes it IS all fun and (money) games? Today, we’re testing our financial knowledge under pressure with a little friendly competition. Next Steps: ·   🎙️ Catch our episode Luxury vs. Dupe (Can You Spot the Difference?)! ·   💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·  Check out the FAIRWINDS Credit Union exclusive account bundle. ·  Get 20% off when you join DeleteMe. ·  Get 35% off the Home and Pajama collections for a limited time with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Maple Walnut Manhattan Recipe By: itscocktailhour_ ·   1 ounce vermouth rosso ·   2 ounces rye whiskey ·   3/4 ounce maple syrup ·   3 dashes black walnut bitters ·   Dash ground cinnamon   Instructions: Start by throwing a coupe or martini glass into the freezer to chill. Then combine vermouth rosso, rye whiskey, maple syrup, black walnut bitters and ground cinnamon in a mixing glass. Add ice and stir well to chill. Strain into your chilled glass and garnish with a walnut.   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🏠 Be prepared to buy or sell your home with our Real Estate Home Base! Ever wonder if you’re secretly missing out on moneymaking schemes that seem too good to be true? Today we’re unpacking the biggest (and most public) financial disasters in recent history. Next Steps: ·   🎙️ Catch our episode Ranking Your CRAZIEST Emergency Fund Stories! ·   💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍷 Full Moon Martini Recipe by: @itscocktailhour_ ·   1 1/2 ounces indigo gin ·   1 ounce crème de cassis ·   1 ounce grape juice ·   1/2 ounce simple syrup ·   1/2 ounce lime juice   Instructions: In a cocktail shaker, combine gin, crème de cassis, grape juice, simple syrup and freshly squeezed lime juice. Add ice and shake well. Strain into a chilled coupe glass. Top with some gold edible glitter and stir. Then add your full moon ice sphere!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Need a financial pro? Check out RamseyTrusted®!   From first-class flights to in-home saunas, today we’re confessing whether we’d “bouge it or lose it” with the internet’s best list of bougie splurges. Join the fun and drop your honest thoughts in the comments! Next Steps: ·   🎙️ Catch our episode Waste or Worth It: Rating “Life-Changing” Products! ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   🎥 Watch George’s video Don’t Buy Another Roll of Toilet Paper Until You Watch This! ·   💵 Create a free budget and find more margin with 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.    Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Dirt Road Martini Recipe by: Allrecipes ·   Ice as needed ·   2 ounces vodka ·   2 ounces unsweetened tea ·   1/4 ounce brine from Mezzetta Italian Mix Giardiniera ·   Spanish Queen martini olives (pitted or stuffed), for garnish ·   Vegetable pieces from Mezzetta Italian Mix Giardiniera, for garnish   Instructions: Combine vodka, tea and brine in an ice-filled mixing glass. Stir well to chill. Fill a lowball or rocks glass with ice. Strain martini over ice. Garnish with olives and vegetable pieces. Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🏠 Check out the Mortgage Calculator!   Comment section check! That’s right—we’re fearlessly addressing your questions, comments and criticisms . . . all in the name of your financial future (and also just for fun!). Next Steps: ·   🏠 Already have a mortgage? Check out the Mortgage Payoff Calculator! ·   🎙️ Catch our episode 10 Signs You’re Doing Better Than Most Americans! ·   💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Apple-rol Margarita Recipe By: @cocktailswithval ·   2 ounces tequila ·   1 ounce Aperol ·   1 1/2 ounces apple cider ·   1 ounce lime juice ·   1/2–1 ounce agave ·   garnish: thyme, apple slices and a sugar or salt rim   Instructions: In a shaker, add Aperol, tequila, apple cider, lime juice and ice, then shake. Grab a glass and coat the rim with agave and salt or sugar, then add ice. Pour the shaken drink into your salted rim glass. Garnish, serve and enjoy!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Wondering how you’re actually doing with money? Find out where you stand.   Since everyone’s “doing their own research” these days, we decided to match that energy and dig into the psychology of money and why humans tend to overspend. Next Steps: ·   🎙️ Catch our episode Waste or Worth It: Rating “Life-Changing” Products! ·   💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Maple Old Fashioned Recipe by: @thesocialsipper ·   2 ounces bourbon ·   1/4 ounce pure maple syrup ·   2 dashes Angostura bitters ·   2 dashes orange bitters ·   Orange peel ·   Cocktail cherry, like Griottines or Luxardo   Instructions: In a rocks glass, combine bourbon, maple syrup, Angostura bitters and orange bitters. Stir to combine. Add a large rock of ice and stir until chilled. Twist the orange peel above the drink to express citrus oil, then run the peel around the rim of the glass and add to the drink. Garnish with a cocktail cherry.     Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻  Take the Side Hustle Quiz here!   If you can’t beat ’em, follow them? Today we’re reacting to the biggest social and spending trends of 2026—let us know in the comments if the algorithm “got ya” with these, because this list definitely has range! Next Steps: ·   🎙️ Catch our episode Waste or Worth It: Rating “Life-Changing” Products. ·   💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Peach Basil Tingle Mocktail Recipe By: @themindfulmocktail ·   2 ounces peach purée ·   1 ounce lemon juice ·   6–8 basil leaves ·   1/2 teaspoon honey ·   Kombucha or soda to top   Instructions: In a small dish, combine the honey with 1/2 teaspoon water and microwave for 5–10 seconds to create a quick honey syrup. Add peach purée and lemon juice to a shaker. Toss in the basil leaves and gently muddle. Add the honey syrup to the shaker with ice, then shake well. Strain over fresh ice and top with kombucha or soda. Garnish with basil if desired and serve cold.   *To make the peach purée: Blend 3 tinned peach slices with 1–2 tablespoons of the liquid from the tin. Fresh, ripe peach works too—just blend with a splash of water until smooth.     Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Check out this article How Much You Should Tip in Common Situations.   Here’s one for your next family dinner: Tipping in 2026—you have feelings, we have feelings, and at this point, the social expectations are changing by the day! It’s time to set the record straight. Next Steps:[JS1]  ·   🎙️ Catch our episode Frugal Hacks That Could Go Too Far. ·    💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍷 Cherry Aperol Spritz Recipe By: @cocktails   ·   Fresh cherries ·   2 ounces Aperol ·   2 ounces prosecco ·   1 ounce club soda   Instructions: Crush and strain cherries into glass. Pour 2 ounces of Aperol in glass. Add crushed ice. Pour 2 ounces of prosecco into glass. Pour 1 ounce of club soda into glass. Garnish with a cherry on top. Serve and enjoy!     Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Check out the Investing Calculator!   A family trip to the movies can easily cost $80 these days; it’s rough out there! Today we’re talking about the reality of inflation . . . but in a fun way, we promise. Next Steps: ·   🎙️ Catch our episode Common Money Wasters the Average American Falls For. ·   💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Peach Julep Recipe By: @Cocktails   ·   6 mint leaves   ·   2 tbsp. diced ripe peach ·   1/2 tsp. simple syrup   ·   1 ounce peach puree ·   1.5 ounces whisky ·   Fresh mint and peach slice for garnish   Instructions: Put 6 mint leaves, 2 tbsp. diced ripe peach, and 1/2 tsp. simple syrup in a glass and muddle. Pour 1 ounce peach puree and 1.5 ounces whisky in glass. Add ice. Then stir. Garnish with fresh mint and a peach slice. Serve and enjoy!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

❓ Have a money question? Ask Ramsey is here to help!   Have you ever read an “opinions are my own” disclaimer in someone’s social media bio? That’s the vibe of today’s episode. Today we’re confessing (and explaining) some of our most “non-Ramsey” financial takes. Next Steps: ·   🎙️ Catch our episode Decoding Weird Things Dave Ramsey Says ("Plastic" Surgery?) ·    💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍷 Blackberry Gin Sour Recipe by Mint & Twist ·   2 ounces London dry or floral gin ·   3/4 ounce fresh lemon juice ·   3/4 ounce blackberry simple syrup  ·   1 egg white, optional for foam   Instructions: Chill a coupe glass in the freezer or fill it with ice while you make the drink. Add the gin, blackberry syrup, lemon juice and egg white to a cocktail shaker without ice. Shake hard for 15 seconds. Add a generous handful of ice and shake again for 15 seconds until well chilled. Tip the ice from the coupe glass and strain the cocktail in. Garnish with fresh blackberries on a skewer.     Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   This one goes out to ole Murphy and that pesky little law of his. (If you know, you know!) Today we’re rating your worst-case scenarios and proving why everyone needs an emergency fund. Next Steps: ·   🎙️ Catch our episode Surprisingly Simple Things That Make You Feel Wealthy. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Salty Dog Recipe by Liquor.com ·   1 1/2 ounces gin or vodka ·   3 ounces grapefruit juice, freshly squeezed ·   Garnish: salt rim ·   Garnish: grapefruit slice   Instructions: Wet the rim of a highball glass and dip it in coarse salt. Fill the glass with ice, then add the gin (or vodka) and grapefruit juice, and stir gently to combine. Garnish with a grapefruit slice. Serve and enjoy!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   When it comes to life and money, we’re full of hot takes. Join us for a nostalgic trip down memory lane as we revisit some of our most hilarious (and unhinged) financial advice episodes. Next Steps: ·   🎙️ Catch our episode Judging People Based on How They Spend Their Money. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Specials: ·   🍸 Tequila Manhattan Recipe: Liquor.com ·   🥧 Caramel Apple Pie Mocktail Recipe: Merry About Town  ·   🥃 Aperol Tequila Sour Recipe: @cocktails  ·   🍹 Cherry Basil Smash Recipe: BevsByBeverly    Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar. The “F” in our guest’s name stands for “Fun”—and boy did we have all the fun talking money, relationships, hot takes and more with Annie F. Downs. This one feels like a party, so stick around! Next Steps: · 🎙️ Catch our episode How Matt and Abby Went from Broke College Kids to “Unplanned” Influencers · 📗 Check out Annie’s new book Don’t Let That Hold You Back. · 🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Shirley Temple Recipe by: bakingbeauty ·   1.5 tablespoons grenadine ·   1 cup Sprite or club soda ·   1 teaspoon maraschino cherry juice (optional) ·   Maraschino cherries for garnish   Instructions: Pour grenadine into a large glass. Add a dash of cherry juice. Fill glass with ice and top with soda. Garnish with maraschino cherries if desired. Serve and enjoy!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Take the Side Hustle Quiz here!   We all need a little wiggle room in the budget from time to time. Today, we’re reacting to the internet’s latest side hustle quests. Plus, we’ll teach you how to find out which part-time gigs are your perfect match. Next Steps: ·   🎙️ Catch our episode We Judge People’s Ridiculous Money Decisions for 58 Minutes! ·    💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Golden Vale Recipe by: @the.sauceress -       2 ounces Powers Irish Whiskey -       3/4 ounce ginger liqueur -       1/2 ounce lemon juice -       1/2 ounce honey syrup -       2 dashes aromatic bitters -       Several sprigs of basil leaves   Instructions: Add lemon juice and basil leaves to a cocktail shaker. Muddle into a pulp. Add all additional ingredients. Shake with ice. Fine strain into a rocks glass over several large pieces of cracked clear ice. Garnish with a dried lemon wheel and a sprig of basil. Serve and enjoy!     Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Get your ticket for Investing Essentials today! If you’ve ever wondered what phrases like “clock the tea” or “rice and beans” mean—today’s episode is for you. We’re decoding trendy and financial slang (and of course, addressing the haters along the way!)   Next Steps: ·   🎙️ Catch our episode Old School Money Habits Making a Comeback? (We Have Thoughts) ·   💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Italian Greyhound Recipe By: nikki.sips ·   1.5 ounces vodka or gin ·   3/4 ounce Aperol ·   1 ounce freshly squeezed grapefruit juice ·   1/2 ounce simple syrup ·   Grapefruit soda, to top ·   2 grapefruit wheels ·   1 sprig of thyme   Instructions: Prep your glass by lining with grapefruit wheels and filling with ice—set in the freezer while you prepare your cocktail. In a shaker, combine spirit, Aperol, simple syrup, and grapefruit juice. Shake with ice for 8 seconds and strain into prepped glass. Top with grapefruit soda and garnish with a sprig of thyme.     Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📙 Check out George’s book Breaking Free From Broke. Taste tests, TikTok trends, a little friendly competition—today may be all about “dupe” culture, but don’t worry, this episode is the real deal as always. You don’t want to miss it!   Next Steps: ·   🎙️ Catch our episode Financial Experts Rank the Worst Spending Habits! ·    💵 Create a free budget and find more margin with EveryDollar. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍸 Strawberry Kiwi Smash Recipe By: cocktails ·   1/2 kiwi, peeled and diced ·   3 small strawberries, diced ·   2 ounces vodka ·   Juice from half a lime ·   3/4 ounces simple syrup ·   Club soda or flavored seltzer for topping off ·   Diced strawberries and kiwi for garnish   Instructions: Muddle fresh kiwi and strawberries in glass, add vodka, add juice, add simple syrup, shake with ice, pour over ice, then top with club soda. Stir, garnish with diced strawberries and a kiwi slice, serve, and enjoy!     Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   If every product is “life-changing” then no product is life-changing. We’re calling consumerism’s bluff by judging wellness and lifestyle fads that are overhyped. Next Steps: ·   🎙️ Catch our episode Judging People Based on How They Spend Their Money. ·   🍸 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: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get up to 40% off the exclusive bundles with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹Cucumber Mint Refresher Recipe By: mocktailswithlilly ·   2–3 ounces fresh cucumber juice (see notes below) ·   .75 ounces simple syrup or agave ·   3–4 mint leaves ·   Lime sparkling water ·   Ice ·   Mint and cucumber ribbons for garnish   Instructions: Muddle mint with simple syrup. For the cucumber juice, blend chopped cucumber with some water, then fine strain. You can also sub muddled cucumber for a blend-free version! Add cucumber juice, shake, and strain into a glass over ice. Top with sparkling water and enjoy!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🎟️ Get your ticket for Investing Essentials today! When it comes to money, is boring always best? From everyday internet scams to rare lottery success stories, today we’re blind ranking the good, the bad and the just plain dumb of investing. Next Steps: ·   🎙️ Catch our episode Roasting the Latest Financial and Social Fads (Here to Stay?)! ·   🍸 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.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get up to 40% off the exclusive bundles with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍾 French Blonde Recipe By: Join Jules 2 ounces fresh grapefruit juice 2 ounces  Lillet Blanc 1 ounce gin  1/2 ounce elderflower liqueur 3 dashes lemon bitters   Instructions: In a cocktail shaker, add all ingredients. Add ice and shake. Double strain into a chilled coupe or Nick and Nora. Garnish with a grapefruit slice!       Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

✅ Connect with one of our Ramsey Trusted providers.  Sure, the world feels like it’s on fire, but hear me out: What if you’re doing better financially than you think? Consider today’s episode the unexpected reset you need! Next Steps: ·   🎙️ Catch our episode 10 Jaw-Dropping Money Stats About the Average American ·   🍸 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.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get up to 40% off the exclusive bundles with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍾 Sauv Blanc Spritz Recipe By: cheesegal -       3 ounces sauvignon blanc -       1 ounce elderflower liqueur -       1 ounce fresh lemon juice -       Lemon seltzer water -       Lemon wheels, for serving   Instructions: In a glass filled with ice, add the sauvignon blanc, elderflower liqueur and fresh lemon juice. Top with lemon seltzer water and stir. Garnish with lemon wheels. Serve and enjoy!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Find extra money in just two weeks with our Money Finder Challenge!   Whether you love or hate frugal living, this one’s for you! We’re exposing common frugal “hacks” that secretly drain your bank account. Tune in to make sure you’re not sabotaging your budget. Next Steps: ·   🎙️ Catch our episode Old School Money Habits Making a Comeback? (We Have Thoughts) ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·    💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get up to 40% off the exclusive bundles with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍉 Watermelon Mint Mocktail Recipe By: olivianoceda ·   1 lime ·   Dash of maple syrup ·   1/4 cup fresh watermelon ·   1 ounce lime sparkling water ·   Fresh mint ·   Ice   Instructions: Slice half of your lime into wedges. Squeeze 4 wedges into your glass. Add a dash of maple syrup, 0.5–1 ounce of lime juice (depending on how tart you want it), 1 ounce of sparkling water. Add watermelon cubes and muddle. Then, take a handful of mint and slap it between your hands 6–8 times. Rub it on the rim of the glass and add it to the drink. Add ice. Top with sparkling water. Mix and enjoy!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📚 Grab a copy of George’s book, Breaking Free From Broke!   At what point does “treat yourself” become a line item in the budget? Today we’re talking about “splurging responsibly” and how to strategically upgrade in your wealth-building journey. Next Steps: ·   🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy? ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get up to 40% off the exclusive bundles with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🧨 4th of July Mocktail Recipe By: mocksontherocks ·   2 ounces grenadine ·   2/3 Sprite or lemon-lime soda ·   Splash of blue Gatorade   Instructions: Add grenadine to a glass, then fill glass with ice. Fill 2/3 of glass with Sprite and top with blue Gatorade.   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Find extra money in just two weeks with our Money Finder Challenge!   We’ve all fallen for a scheme or two on our worst day, but the important question is: How much of your hard-earned cash is still being snatched by these common money wasters? Stay tuned to find out!Next Steps: ·   🎙️ Catch our episode Financial Experts Rank the Worst Spending Habits ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹🌼 Gin Daisy Recipe by: Kristiwithatwist   ·   2 ounces gin ·   0.75 ounces orange liqueur ·   0.75 ounces lemon juice ·   0.25 ounces grenadine ·   club soda Instructions: Add gin, orange liqueur, lemon juice, and grenadine to a cocktail shaker filled with ice and shake. Strain into a glass over ice and top with club soda.     Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Need help with investing? Check out our free guide!   When was the first time you didn’t feel broke? Whether you have an answer to that question, or you’re wondering if that day will ever come, today’s episode is for you! Next Steps: ·   🎙️ Catch our episode Reacting to: “If I Can’t Buy a Home, Why Don’t I Just Be Gorgeous?” ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥂 Grand Mimosa Recipe by Inspired Taste ·   1/3 cup sparkling wine ·   1/3 cup orange juice ·   1 tablespoon Grand Marnier Instructions: Add the sparkling wine and orange juice to a champagne flute. Top with Grand Marnier. Serve and enjoy!   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   If you have feelings about married couples requesting coffee payments from each other on Venmo, you’re in the right place. Today we’re unpacking bizarre public money behaviors—stay tuned to find out if you’re guilty! Next Steps: ·   🎙️ Catch our episode Out With the New, In With the Old: Money and Lifestyle Trends. ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍑 Sweet Georgia Peach Smash Recipe by: Pizzazzerie ·       2 ounces bourbon ·       1 teaspoon lemon juice ·       1 ounce simple syrup ·       3 slices peach ·       1 splash seltzer water Instructions: Fill glass with crushed ice. Combine bourbon, lemon juice, and simple syrup in a cocktail shaker. Shake and strain into glass. Top with a splash of seltzer water and garnish with peach slices.   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   When it comes to your money, it’s either, “Dude, that’s sick!” or “Major financial ick!” Today we’re telling you exactly what we think about your financial habits using the latest Gen Z buzzwords.   Next Steps: ·   🎙️ Catch our episode Judging People Based on How They Spend Their Money. ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsors: ·       Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Cherry Basil Smash Recipe by: BevsByBeverly ·   6 pitted cherries  ·   3 basil leaves ·   .75 ounces fresh lime juice  ·   1 ounce simple syrup ·   2 ounces gin ·   1 ounce soda water    Instructions: Start by adding cherries, lime juice, and simple syrup to a cocktail shaker, and muddle to release as much of the juice from the fruit as possible. Add basil leaves and gently press. Pour in gin and fill with ice. Shake until cold, then pour into a glass. Top off with ice, soda water, and garnish.    Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🏡 Get organized to buy or sell your home with our Real Estate Home Base.   If you love an episode of House Hunters or The Price Is Right (or if you’re just nosy about other people’s property value), today’s episode is a must! Plus, Rachel’s husband Winston is here to join the fun and share his real estate expertise.   Next Steps: ·   🎙️ Catch our episode Spilling the Financial Tea With Our Better Halves. ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Ranch Water Recipe by: Liquor.com ·   1 1/2 ounces blanco tequila ·   1/2 ounce fresh lime juice ·   6 ounces Topo Chico   Instructions: Add all ingredients to a highball glass filled with ice, gently stir to combine. Garnish with a lime wedge.   Explore More From Ramsey Network: 💰 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

📈 Don’t know where to start with investing? Check out our free Complete Guide to Investing!   Reality TV taught us about “gaslighting”—but did you know it can also apply to your money? Stick around and watch us debunk the toxic communication trap that’s keeping you from building wealth.   Next Steps: ·   🎙️ Catch our episode Love and Money: Financial Decisions People Immediately Regret. ·  🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·  📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·  💵 Create a free budget and find more margin with EveryDollar. ·  💻 Watch more of the Rick’s Boats episode. ·  🛳️ Watch this call we took on The Ramsey Show.   Connect With Our Sponsors: ·       Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Mango Mojito Mocktail Recipe by Shivani Loves Food ·      1 ripe mango ·      2 fresh limes ·      2 tablespoons mint leaves ·      3 tablespoons granulated sugar ·      2 cups sparkling water   Instructions: Prepare the simple syrup: Add 3 tablespoons sugar and 3 tablespoons boiling water to a small saucepan over low-medium heat. Cook until the sugar has dissolved and the syrup is just starting to bubble, stirring frequently. Set aside to cool. Peel the mango and add the flesh to the jug of a blender. Juice one of the limes and add the juice to the blender. Blend the mango and lime juice into a smooth puree. You may wish to strain the puree if it has any lumps. Slice the other lime into wedges and add the wedges to a large jug along with the mint leaves. Use a muddler or the back of a wooden spoon to crush the limes and mint to release their flavors. Add the mango puree to the jug along with the simple syrup—I recommend starting with a small amount of simple syrup (1 tablespoon) and adding more later if desired. Top up the jug with sparkling water and give it a stir. Taste the mango mocktail and add more lime, mint or simple syrup if desired. Serve the mango mojito mocktails over ice and garnished with extra mint and lime. Enjoy!   Explore More From Ramsey Network: 💰 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

❓Have a money question? Ask Ramsey is here to help!   The trend pendulum never stops swinging. Today, we’re unpacking financial and lifestyle fads that we’ve seen before . . . and we’ll probably see again in another ten years.     Next Steps: ·   🎙️ Catch our episode Ranking the Worst Financial Habits (and Admitting Our Guilt) ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·       Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🧊 Cold Brew Cocktail  Recipe by: Cocktails ·      1.5 ounces vodka ·      0.5 ounce simple syrup ·      0.5 ounce coffee liqueur ·      cold brew ·      1/4 cup heavy cream ·      1 teaspoon caramel sauce   Instructions: Add vodka, simple syrup, coffee liqueur, and cold brew to a glass filled with ice. Froth the heavy cream and caramel sauce to create a cold foam. Gently pour cold foam on top of ice. Serve immediately.   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🏡 Get organized to buy or sell your home with our Real Estate Home Base.   Welcome to our crib! Today we’re peeking into “The Fabulous Life” behind the bougiest real estate in America. From luxury celebrity homes to billionaires in Nebraska—you don’t want to miss this.   Next Steps: ·   🎙️ Catch our episode Answering Your Top Housing Questions ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Purple Rain       Recipe by: Art of Drinks ·   1.5 ounces of vodka ·   1 ounce of blue curaçao ·   2 ounces of cranberry juice ·  2 ounces of pineapple juice   Instructions: In a cocktail shaker, combine the vodka, blue curaçao, cranberry juice, and pineapple juice. Fill the shaker with ice and give it a good shake for about 15 seconds.Strain the cocktail into a chilled glass filled with ice.   Explore More From Ramsey Network: 💰 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

 Join us on the Live Like No One Else Cruise! 🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!   Lifestyles of the rich and famous—and the relatable regulars. From the Met Gala to the bougie Europe trip your cousins won’t stop posting on Facebook, we’re lifting the veil on the most notorious social events in every social class.    Next Steps: ·   🎙️ Catch our episode We Judge People’s Ridiculous Money Decisions for 58 Minutes. ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Cranberry-Lime Mocktail Recipe by: Food Network ·   2 cups frozen cranberries ·   1 1/4 cups sugar ·   3/4 cup frozen limeade concentrate ·   1/2 cup fresh lime juice ·   Splash of seltzer water   Instructions: Combine the cranberries, sugar and 1 cup water in a medium saucepan over high heat. Bring to a boil and reduce to a simmer. Carefully smash the cranberries, then simmer the mixture until slightly reduced and dark red, about 10 minutes. Let cool for 10 minutes. Strain the mixture into a heat-safe container, pressing on the cranberry solids to extract all the juice. Let cool for 30 minutes. Combine the cranberry syrup with the limeade and lime juice in a pitcher and stir well. Mix equal parts of the drink mix and seltzer. Serve over ice with cranberries and a lime slice.   Explore More From Ramsey Network: 💰 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

🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!   If you love a good rebrand, glow-up, or before and after, today’s episode is just for you! From Cracker Barrel to Lindsay Lohan, we’re breaking down the most iconic (and disastrous) rebrands of all time.   Next Steps: 🎙️ Catch our episode Pros and Cons of Shopping in 2005 (Should We Go Back?). 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Paloma Mezcalita Recipe by Join Jules 4 ounces mezcal 1 1/2 ounces fresh lime juice 1 1/2 ounces orange liqueur 2 ounces fresh grapefruit juice  4 ounces grapefruit soda   Instructions: Rim two glasses with salt or Tajín. Add mezcal, lime juice, orange liqueur and grapefruit juice to a shaker. Fill with ice and shake hard. Strain over fresh ice in your prepared glass. Top each drink with 2 ounces of grapefruit soda per glass.    Explore More From Ramsey Network: 💰 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

💵 Have a money question? Ask Ramsey is here to help. If you love 90s nostalgia (or you just hate change), you’re in luck! Apparently, right now it’s trendy to do life the old-school way—and when it comes to your money, we 100% agree.Next Steps: 🎙️ Catch our episode Weird Money Habits That Will Make You Rich. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Dr. Pepper Margarita      Recipe by Lauren Milovich (@thats.thespirits): 1 1/2 ounces tequila 1/2 ounce orange liqueur 3/4 ounce lime juice 1/2 ounce cinnamon syrup 1 ounce Dr Pepper  Instructions: Rim a glass with cinnamon sugar and set aside. To a cocktail shaker, add tequila, orange liqueur, lime juice, cinnamon syrup and ice. Shake to combine. Strain over the rimmed glass filled with ice, and top with Dr Pepper. Garnish with a lime wheel and maraschino cherry.    Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!  We’re not encouraging you to keep up with the Joneses, but have you ever wondered what their finances are actually like? Today, we’re unpacking jaw-dropping money stats that’ll make you reevaluate your own money situation. Next Steps: 🎙️ Catch our episode Weird Money Habits That Will Make You Rich. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Tequila Aperol Spritz     Recipe by Join Jules 1 cup tequila blanco  2 1/2 cups Aperol 1 bottle sparkling rosé 1 cup sparkling soda water   Instructions: Add all ingredients into a pitcher and mix together. Pour approximately 8 ounces of the mix into a glass filled with ice. Garnish with a strawberry, grapefruit wheel, edible flower, etc.    Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!   If you’re an exhausted millennial wondering if buying a home is a lost cause, we get it—and we’ve got you. Today, we’re unpacking common home-buying frustrations and real estate woes. Spoiler alert: Yes, it’s still possible! Next Steps: 🎙️ Catch our episode How to Financially Survive Every Season of Life 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 🏠 Your free, step-by-step course to buying a house that fits your budget. 💻 See how much house you can afford with the Mortgage Calculator.    Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Basil & Lillet Spritz Recipe by Emily Laurae 1 ounce Lillet 4–5 basil leaves 4 ounces sparkling wine   Instructions: In a shaker, combine Lillet and basil leaves and shake with ice for 30 seconds. Strain into a glass filled with ice. Top with sparkling wine and garnish with a basil leaf before serving. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Figure out your next financial move with Ramsey’s Get Started Assessment.   Vacation debt, budget-friendly hacks and some light legal drama—today we’re unpacking all things Disney! Stick around for the magic, fun and chaos. Next Steps: 🎙️ Catch our episode Comparing Disney Villains to Sneaky Financial Industry Traps. 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Pineapple Blueberry Margarita Mocktail Recipe by Yum Recipes Now Lime juice  Pineapple juice Blueberry syrup Sparkling water Salt   Instructions: Start by rubbing a lime wedge around the rim of your glass. Then, dip the rim into a plate of salt to coat it evenly. In a shaker or mixing glass, combine 3/4 ounce of fresh lime juice, 1/2 ounce of pineapple juice, and 1/2 ounce of blueberry syrup. Stir or shake gently to blend the flavors without diluting the vibrant colors. Strain the chilled mixture into your salted rim glass filled halfway with fresh ice. Then, top it off with sparkling water. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

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

📈 Plan and save for the future with Ramsey’s Complete Guide to Investing.   Good manners, simple style, old-school investing—today we’re unpacking subtle “quiet millionaire” habits and teaching you how to build wealth the right way.   Next Steps: 🎙️ Catch our episode Things That Scream “I’m Pretending to Be Upper Class”. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 💻 Figure out your next financial move with Ramsey’s Get Started Assessment.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Apple Ginger Fizz Mocktail Recipe from The Mindful Mocktail 3 ounces still apple cider 1 ounce freshly squeezed lime juice 6 mint leaves 1 teaspoon apple cider vinegar Pinch powdered cinnamon  3 ounces ginger ale Instructions: Place apple cider, lime juice, cinnamon, apple cider vinegar and a few ice cubes into a cocktail shaker. Clap the mint together in your hands to release the scent, and add to the shaker. Shake for about 20–30 seconds until ingredients are combined. Pour into an ice-filled glass and top with ginger ale. Stir gently, garnish with mint, and serve.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Plan and save for the future with Ramsey’s Investment Calculator.   We all have our weaknesses when it comes to frivolous spending—but some of you are next level. Today, we’re reacting to (and lightly judging) the internet’s most ridiculous spending habits.   Next Steps: 🎙️ Catch our episode We Settle Your Heated Money Arguments. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 💻 Figure out your next financial move with Ramsey’s Get Started Assessment.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 “The Reddish” Maroon Manhattan Recipe from Smart Money Happy Hour mixologist Michael Reddish  2 ounces bourbon 1 ounce dry vermouth  1 ounce amaro 2–3 dashes black walnut bitters 2–3 dashes chocolate bitters Instructions: Add the bourbon, dry vermouth, amaro and bitters into a mixing glass with ice and stir until well-chilled. Serve in a coupe glass and enjoy! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   Is love blind? Some of your financial decisions certainly make it seem that way! Today, we’re reacting to people’s biggest money mistakes made on behalf of their loved ones.   Next Steps: 🎙️ Catch our episode Date Nights From $0 to $10,000? We’ve Got You Covered! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Trophy Wife Spritz Recipe from Fly Girl Bartending  Mint leaves 1/2 ounce honey 3 ounces club soda 3 ounces nonalcoholic sparkling wine  Grapefruit Instructions: Place mint in the bottom of a wine glass. Add honey and club soda and stir. Fill the glass with ice and top with sparkling wine. Garnish with mint and grapefruit and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel[AP3] [JS4]  🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   Career, relationships, self-improvement—life is full of important choices, and today we’re unpacking all the options with bestselling author and The Ramsey Show co-host Ken Coleman.   Next Steps: 🎙️ Catch our episode Critiquing Your Spending Habits (and Ours) With Dr. John Delony 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  🤑 Catch Ken’s episode with George: Financial Expert: These Common Money Habits Are Keeping You Poor 🤩 Catch Ken’s episode with Rachel: Marriage, Parenting and Growing Up as Dave Ramsey’s Daughter   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Kentucky Mule Recipe from Liquor.com  2 ounces bourbon 1/2 ounce lime juice, freshly squeezed  Ginger beer, to top  Garnish: mint sprig   Instructions: Add the bourbon and lime juice to a copper mug or a highball glass. Fill the mug or glass with ice and top with ginger beer. Garnish with a mint sprig and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🚢 Get tickets to the next Live Like No One Else Cruise.   Apparently, living on less than you make and ditching your credit score is groundbreaking financial advice—but we’ll let you be the judge. If you’re willing to be a little unorthodox in order to build wealth, stay tuned! You’re in the right place.   Next Steps: 🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 📙 Grab a copy of George Kamel’s book, Breaking Free From Broke.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Virgin Piña Colada Recipe from House of Nash Eats  2 cups pineapple juice 3/4 cup cream of coconut 4 cups ice Pineapple wedges for garnish Maraschino cherries for garnish   Instructions: Pour the pineapple juice and cream of coconut into a high-powered blender. Add the ice. Blend for 30–60 seconds until smooth. Divide between 3–4 glasses. This makes about 5 cups of piña colada, which is about 10 ounces per person if divided between 4 people. Garnish with pineapple wedges, maraschino cherries and cocktail umbrellas before serving!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Create a free budget and find more margin with EveryDollar.   If an event costs you social energy, should you really have to pay actual money too? Today, we’re saying what we all wish we could write on the next birthday party, wedding shower or gender reveal RSVP—join the unfiltered fun!   Next Steps: 🎙️ Catch our episode Date Nights From $0 to $10,000? We’ve Got You Covered! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Smoked Rosemary Negroni Sour Recipe from: Join Jules 1 ounce gin 1 ounce sweet vermouth 1 ounce Campari 1/2 ounce rosemary syrup 1/2 ounce lemon juice  1 egg white Splash of orange juice   Instructions: Using a lighter, light the tips of a fresh rosemary sprig until it begins to smoke. Flip your coupe glass upside down over the smoking sprig and let sit while you mix your cocktail. In a cocktail shaker, add gin, sweet vermouth, Campari, syrup, lemon juice, a splash of orange juice and egg white. Dry shake. Add ice and shake again. Double strain into the smoked glass. Garnish with a fresh rosemary sprig and a citrus wheel.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Learn how to invest the smart way using Ramsey’s Complete Guide to Investing.   Building wealth is actually pretty simple (when you do it the right way). But there are some risky strategies out there that can topple your financial progress overnight. Join us for a live game of Jenga and some commonsense financial advice along the way.   Next Steps: 🎙️ Catch our episode Reacting to People’s Money Fails So You Can Feel Better. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. 📕 Grab a copy of George Kamel’s book, Breaking Free From Broke.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥂 Lemon Ginger Mocktail Spritz Recipe from Join Jules  1/2 ounce honey syrup 3/4 ounce ginger juice 1 ounce fresh lemon juice  2 ounces sparkling water   Instructions: Blend ginger with a little water and strain. Add honey syrup to a glass. Add ginger juice and lemon juice. Add ice and top with sparkling water.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

💻 Register for our Take Back Your Money in 2026 livestream for free!   From Katy Perry’s brief trip in space to our favorite moments on Smart Money Happy Hour—we’re breaking down the best and worst of 2025! Grab a drink and help us reminisce on an unforgettable (and slightly unhinged) year.   Next Steps: 🎙️ Catch our episode Spilling the Financial Tea With Our Better Halves. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍸 You’re a Mean One Recipe from Westgate Resorts  11/2 ounces Midori melon liqueur 1 ounce white rum 5 ounces lemon-lime soda 1 maraschino cherry   Instructions: Fill a rocks glass with ice. Add Midori liqueur and rum. Top with soda and stir gently to combine. Top with maraschino cherry and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💻 Register now for our Take Back Your Money in 2026 livestream for free!   From office Christmas parties to eggnog to the catastrophe that is gingerbread house making—we’re judging all your holiday traditions. Plus, how to financially plan for (and survive) one of the busiest, most expensive seasons.   Next Steps: 🎙️ Catch our episode Unpacking Money Lessons From Your Favorite Christmas Movies. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍸 Cran-Raspberry Martini Mocktail Recipe from TheBump.com   1 ounce lime juice 4 ounces raspberry sparkling water 1/4 ounce cranberry juice 1/2 ounce crushed raspberries   Instructions: Pour the lime juice, raspberry sparkling water and cranberry juice into a martini glass. Add raspberries and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📕 Grab George Kamel’s book, Breaking Free from Broke.   Sometimes, you’ve got to entertain the haters and put your own teachings to the test. Today, we’re taking turns playing devil’s advocate against our own financial advice—tune in and let us know how we did in the comments!   Next Steps: 🎙️ Catch our episode We Dedicated an Entire Episode to Respond to the Haters. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Bourbon Milk Punch Recipe from Liquour.com 2 ounces bourbon 3 ounces whole milk 1 ounce simple syrup 2 dashes vanilla extract Garnish: nutmeg, freshly grated   Instructions: Add bourbon, whole milk, simple syrup and vanilla extract into a shaker with ice and shake until well-chilled. Strain into a rocks glass, and garnish with freshly grated nutmeg.   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Enter to win $5,000 with Ramsey’s Christmas Cash Giveaway.  No matter where you are on your wealth-building journey—everyone has money disagreements with their loved ones from time to time. Today, we’re reacting to your money drama and tossing in our 2 cents!   Next Steps:🎙️ Catch our episode Our Unfiltered Takes on Your Real-Life Money Dilemmas. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🥃 Christmas Slush Mocktail Recipe inspired by Taste Cove 3 ounces cranberry juice 1 ounce orange juice 1 ounce pineapple juice 1 ounce lime juice 1/2 ounce sparkling water   Instructions: Combine cranberry juice, orange juice, pineapple juice and lime juice in a mixing bowl. Stir and pour mixture into a freezer safe container. Freeze for a couple hours and stir occasionally to create a slushy consistency. Scoop the slush into glasses and top with a splash of sparkling water, then enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices