📈 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:

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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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❓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.

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💰 George Kamel

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🏡 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:

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 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

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🤔 ⁠⁠⁠⁠⁠⁠⁠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 

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🪑 Front Row Seat with Ken Coleman

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💵 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

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💻 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

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💸 The Ramsey Show Highlights 

🧠 The Dr. John Delony Show

🪑 Front Row Seat with Ken Coleman

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💻 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

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💻 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

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💻 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

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💻 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

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🪑 Front Row Seat with Ken Coleman

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