💻 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:

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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

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📈 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

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📈 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

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💵 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

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💵 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.

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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

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🚢 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

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💵 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

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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

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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

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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

📈 EntreLeadership

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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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