💵 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. 

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• Check out the FAIRWINDS Credit Union exclusive account bundle.

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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 

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🪑 Front Row Seat with Ken Coleman

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📈 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

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📖 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

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💻 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

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💻 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

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💻 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

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📕 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

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💵 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
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💵 Enter to win $5,000 with Ramsey’s cash giveaway.

From Friends to The Office, Hollywood tends to bend reality when it comes to portraying personal finance. Here’s what your favorite TV shows get right and wrong about money.

Next Steps:

• 🍸 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. 

• 📺 Watch Borrowed Future to learn how student loans are killing the American Dream.

• 📚 Learn to build wealth with America’s #1 personal finance class, Financial Peace University.

• 💵 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 40% off with code SMARTMONEY at Cozy Earth.

Today’s Happy Hour Special: 🥃 Amaretto Sour

Recipe from Liquor.com

• 1 1/2 ounces amaretto

• 3/4 ounce bourbon

• 1 ounce lemon juice

• 1 teaspoon simple syrup

• 1/2 ounce egg whites

Instructions: Add all ingredients into a shaker and dry shake (no ice) for 15 seconds. Add ice to shaker and shake again until chilled. Strain into glass over ice 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

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💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz.

 Different phases of life call for different financial priorities (and different strategic habits to help you get there). Today, we’re explaining what to do with your money to help you reach your goals in every season.

 Next Steps:

• 🎥 Watch our video How Does Your Net Worth Compare to the Average American.

• 🍸 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. 

• 📺 Watch Borrowed Future to learn how student loans are killing the American Dream.

• 📚 Learn to build wealth with America’s #1 personal finance class, Financial Peace University.

• 💵 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: 🍸 Hillstone Crisp Martini

Recipe from @madisieli on Instagram

• 1 1/2 ounces vodka (or gin)

• 1 ounce elderflower liqueur

• Juice of 1/2 lemon

• Splash of sauvignon blanc

 Instructions: Combine vodka, elderflower liqueur and lemon juice into a shaker filled with ice. Shake well, pour into a frosted martini glass, top with a splash of sauvignon blanc, 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

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💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz.

You’ve watched her successful comedy career unfold over the last two decades, and today you get to laugh through an entire podcast episode with her. Anjelah Johnson-Reyes unpacks everything from Bon Qui Qui to motherhood to money habits.

• Next Steps:🎥 Watch our video How Matt and Abby Went From Broke College Kids to “Unplanned” Influencers
• 🍸 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 budget and track expenses with EveryDollar.

• 🤳 Follow Anjelah Johnson-Reyes and her podcast Funjelah on Instagram!

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: 🍹 Margarita Mocktail

Recipe: Gimme Some Oven

•   1 1/2 ounces freshly squeezed lime juice

• 1 ounce freshly squeezed orange juice

• 1–2 tablespoons agave nectar

• 1/3 cup sparkling water or club soda

• Coarse sea salt, for rimming

• Extra lime slice, for garnish

Instructions: Cut a small notch in a lime wedge and run it around the rim of the glass. Dip the rim in a small plate of salt. Add the lime juice, orange juice, agave nectar and ice to the serving glass and stir vigorously for 15 seconds to combine. Top with sparkling water and garnish with an extra lime slice. Serve immediately 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

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