💵 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.

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·   📱 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. 

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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!

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🎟️ 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. 

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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!

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✅ 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. 

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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!

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💰 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.

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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!

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📚 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.

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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.

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💰 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.

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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.

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📈 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. 

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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!

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💵 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.

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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.

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💵 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. 

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·       Check out the FAIRWINDS Credit Union exclusive account bundle.

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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. 

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🏡 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.

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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.

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📈 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.

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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!

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