📕 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

💵 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

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 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

⁠Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 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

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

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

 Money is an art and a science. Today, George and Rachel are unpacking financial statistics and gender stereotypes around spending. Oh, and they do it while painting portraits of each other—you don’t want to miss this.

Next Steps:

• 🎥 Watch our video Men vs. Women: Who Handles Money 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 budget and track expenses with EveryDollar.

• Check out Ramsey’s Complete Guide to Investing.

 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 Carajillo

Recipe: The G&M Kitchen

•   1 1/2 ounces espresso

• 1 ounce bourbon

•   1 ounce Licor 43

• 2–4 dashes angostura bitters

• 1 orange slice

 Instructions: Start by brewing the espresso. Then add 1 1/2 ounces of espresso (1 shot), 1 ounce of Licor 43, 1 ounce of bourbon, and 1 dash of bitters to a cocktail shaker with ice. Shake for 30 seconds, then strain into a glass with ice. Garnish with an orange slice and espresso beans, 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

💸 Uncover extra cash in your budget with the Money Finder Challenge.

When building wealth feels extra challenging, it’s easy to get caught up pointing fingers at the wrong bad guy. Today, George and Rachel are exposing the real villains of the financial industry—with a fun Disney twist.

Next Steps:

• 🎥 Watch our video Reacting to the Wildest “Am I the Jerk?” Reddit Threads.

• 🍸 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.

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: 🍷 Witch’s Elixir Mocktail

Recipe: @themindfulmocktail

• 4–5 blackberries, plus more garnish if you wish

• 1/2 cup berry or ginger kombucha (or your sparkling beverage of choice)

• 1 ounce lemon juice

• 3 ounces chilled butterfly pea tea

• Optional: a little maple syrup, agave or your sweetener of choice

Instructions: Muddle the blackberries in your glass with sweetener of your choice. Add ice to the brim, then kombucha. Slowly pour in half of the butterfly pea tea, then the lemon juice. Give it a stir, then top with the remaining butterfly pea tea to create a layered effect. Garnish with blackberries 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

💸 Uncover extra cash in your budget with the free Money Finder.

You can’t take it with you when you go . . . but you can leave your loved ones stuck in a financial hot mess. Here’s what really happens to your money after you pass, and what you should do today to prevent money mayhem down the road. 

Next Steps:

• 🎥 Watch our video Stirring the Pot With These Off-Limit Topics.

• 🍸 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.

• 💼 Get your finances in order with our Estate Planning Guide.

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: 🍹Night King

Recipe: @SpeakEasierUK 

• 1 ounce lemon juice

• 1/2 ounce blue curacao

• 1/2 ounce crème de cacao

• 2 ounces pisco

• 1 egg white

 Instructions: Combine all ingredients into a cocktail shaker filled with ice. Shake and pour into a 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

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 Uncover extra cash in your budget with the 24-Hour Money Finder Challenge. 

Find some pearls to clutch because we’re talking religion and money. Today, we’re looking at beliefs and practices around finances in the world’s major religions.

Next Steps:

• 🎥 Watch our video Unique Money Traditions You Won’t Find in the U.S.

• 🍸 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.

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: 🍹 Freezer Door Tart Cherry Margaritas

Recipe: @servedbysammy

• 2 cups blanco tequila
• 1 cup tart cherry juice
• 1 cup lime juice
• 1/4–1/2 cup agave nectar (depending on how sweet you like it)

 Instructions: Combine all ingredients into a shaker filled with ice and shake—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

💸 Uncover extra cash in your budget with the Money Finder Challenge. https://ter.li/sxaau7

Is one generation building wealth better than the rest? Or are we all financially “cringe” in our own way? From Gen Z to boomers to millennials and their Gen X parents—today, we’re calling everybody out, and you don’t want to miss the fun.

Next Steps:

• 🎥 Watch our video Is Gen Z Financially Doomed? Let’s Talk About It

• 🍸 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.

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: 🍹 Blackberry Vanilla Mocktail

Recipe: Yummi Haus

• 1/3 cup blackberries

• 1 ounce lemon juice

• 1/4 tsp vanilla extract

• 1/2 tbsp raw honey

• 1 can ginger ale

Instructions: Combine blackberries, lemon juice, vanilla and honey with a splash of ginger ale in a shaker and muddle. Pour through a strainer into glasses filled with ice. Fill remainder of glass with ginger ale, garnish with additional blackberries or lemon wedge, 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

💸 Uncover extra cash in your budget with the Money Finder Challenge. https://ter.li/sxaau7

Ever have a major disagreement about money with the people closest to you? Today, we’re checking our voice mail and sharing hot takes on your friends and family.

Next Steps:

• 🎥 Watch our video Settling the Debate on Your Financial Faux Pas (We’re Divided).

• 🍸 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.

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: 🍹 Army & Navy

Recipe: Liquour.com

• 2 ounces London dry gin

• 1 ounce lemon juice

• 3/4 ounce orgeat

• 1 dash Angostura bitters

• Grapefruit twist

Instructions: Add all ingredients into a shaker with ice and shake until well-chilled. Strain into chilled coupe glass. Garnish with grapefruit twist.  

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