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It’s easy to get caught up in holiday commercialism during the holidays—just ask the Grinch. In this festive episode, Rachel and George find money lessons in nostalgic Christmas movies that you can apply all year long.

Next Steps:

• 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 
• 🎄Shop the Ramsey Solutions store 50 Days of Christmas sale
• 📱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: 🥛 Upgraded Eggnog

Recipe: Town & Country

• 1.5 ounces Cognac
• 1 whole egg
• 1 ounce heavy cream
• ½ ounce maple syrup
• ¼ ounce St. Elizabeth Allspice Dram

Instructions: Combine all ingredients into a shaker. Shake without ice first, then add ice and shake again to chill and dilute the eggnog slightly (by about 1 ounce). Strain into a chilled glass and garnish with freshly grated nutmeg if desired, enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app!

When it’s 11:30pm and a snack is calling your name, do you go for McDonald’s French fries or a cheesy gordita crunch? In this episode, Rachel and George debate favorite fast-food and fast casual chains, plus you’ll learn which might be best for your budget.

Next Steps:

• 🍸 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: 🥤Raspberry Dream Dirty Soda

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Today’s Happy Hour Special:

Recipe: Favorite Family Recipes

Ingredients:

• 2 cups fresh Raspberries
• ½ cup sugar
• 2 cups coconut creamer
• 2 liters Dr. Pepper

Instructions: Puree raspberries and sugar together in a blender until smooth. Store in an airtight container in the fridge if not using immediately. Fill 16oz cup halfway with ice and ¾ full with Dr. Pepper. Add 2 tbsp raspberry mixture and 2 tbsp coconut creamer. Fill to the top with Dr. Pepper and stir well, enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

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💵 Start your free budget today. Download the EveryDollar app!

So, you booked all the Airbnbs for the group hiking trip, but that was two months ago, and Becky still hasn’t responded to your Venmo request? Awkward. In this episode, Rachel and George are responding to cringy financial faux pas you’ve experienced with friends.

Next Steps:

• 🍸 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: 🍹 Division Bell

Recipe: Difford’s Guide

Ingredients:

•      1 ounce mescal

•      1/2 ounce Maraschino liqueur

•      3/4 ounce lime juice

•      3/4 ounce Aperol

Instructions: Shake all ingredients with ice and strain into a chilled glass, then enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

🍸 Check out more episodes of Smart Money Happy Hour

Tired of giving your dad the same pack of white socks every year for Christmas? In this episode, Rachel and George have the gift inspo you’ve been looking for—plus great ideas for the one on your list who has everything.

Rachel and George’s Gift Guide:

Wine and Cocktail Lovers

• Cocktail shaker that doesn’t freeze your hands 
• Vintage cocktail book

People Who Love to Cook

• Meat chopper
• Citrus squeezer

Tech and Gadget Lovers

• Cordless phone charger
• Extended-length phone charger cable

Kids

• Digital camera

Parents/Grandparents

• Neck fan
• Foot spa
• Massage gun
• DeleteMe

Spouse

• Coffee subscription
• Flower delivery

White Elephant/Dirty Santa

• Milk frother
• Wine decanter

“Take the Hint” Gifts

• Apple AirTag
• Rachel’s favorite self-help book: The Anxious Generation by Jonathan Haidt
• Ramsey Solutions official store (Black Friday deals)

For the One Who Has It All

• Customized sign/art
• Cozy Earth products (Use code SMARTMONEY for exclusive discount up to 45% off)

Today’s Happy Hour Special: 🍷 Red Sans-Gria

Recipe from Drinking for Two: Nutritious Mocktails for the Mom-to-Be

💵 Start your free budget today. Download the EveryDollar app!  

Carefree (and kid-free) travel isn’t the only reason DINKs are living their best life. In this episode, Rachel and George get real about the cost of kids and how to know if you’re ready.

Next Steps:

·      🎥 Watch our video Why Fewer People Are Having Kids Today.

·      📱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 Sponsor:

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Today’s Happy Hour Special: 🍸 Isn’t She Lovely?

Recipe: Imbibe

·      1 1/2 ounces vodka

·      3/4 ounce fresh grapefruit juice

·      1/2 ounce lemon juice

·      1/2 ounce elderflower liqueur

·      1/2 ounce blanc vermouth

·      1/4 simple syrup

·      1 ounce club soda

Instructions: Combine all the ingredients except the club soda in a shaker with ice. Shake until chilled, then strain into a collins glass over fresh ice. Top with club soda, and enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app!

“Alexa, set a timer for tomorrow at 8 a.m. Alexa, turn the thermostat to 70 degrees. Alexa, can you make my budget?” Okay, maybe that last one is a stretch, but modern conveniences can be truly life changing. Find out Rachel’s and George’s take on what technology is worth the hype.

Next Steps:

·      🎥 Watch our video “‘Harmless’ Purchases That Drain Your Bank Account”

·      📱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:

·      🔒 Get 20% off when you join DeleteMe

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Today’s Happy Hour Special: 🥃 Cinnamon-Spiced Orange and Thyme Mocktail

Recipe: Pick Up Limes

·      1/2 cup water

·      1/4 cup maple syrup

·      4 sprigs fresh thyme

·      1/2 teaspoon ground cinnamon

·      2 tablespoons freshly grated ginger

·      1/2 lemon, juiced

·      2 cups ice cubes

·      2 cups orange juice

·      2 cups ginger ale

Instructions: Add water, maple syrup, thyme sprigs and cinnamon to a small pan and simmer. Reduce heat to low and let it steep for about 3 minutes. Then let it cool to room temperature. Fill a shaker or mason jar halfway with ice cubes and strain in thyme syrup. Add grated ginger and lemon juice. Shake well. Strain contents from shaker over ice cubes, and add orange juice and ginger ale. Enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights 

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! 

Okay, so maybe you get a little carried away at Bath and Body Works, but at least you risk your financial future on a perm and hair products. In this episode, Rachel and George react to hilarious money fails you found on Reddit.  

Next Steps: 

• 📱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: 

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Today’s Happy Hour Special: 🍸 Illegal Cocktail 

Recipe: Cocktail Society 

Ingredients: 

• 1 ounce Mezcal 
• ½ ounce White rum 
• ½ ounce Falernum 
• 1 barspoon Luxardo 
• ¾ ounce lime 
• ½ ounce simple syrup 
• 1 egg white 

Instructions: Add all ingredients to a cocktail shaker with plenty of ice. Shake until the drink is well-chilled and strain the cocktail into a glass, enjoy! 

Listen to More From Ramsey Network: 

💡 The Rachel Cruze Show 

💰 George Kamel 

🎙️ The Ramsey Show 

💸 The Ramsey Show Highlights   

🧠 The Dr. John Delony Show 

💼 The Ken Coleman Show 

📈 EntreLeadership 

Ramsey Solutions Privacy Policy 

💵 Start your free budget today. Download the EveryDollar app!

Today we’re setting the chrometophobes who haven’t been on a vacation since 2004 free! In this episode, Rachel and George are calling out the irrational money fears keeping you stuck—plus how you can overcome them.

Next Steps:

·      🍸 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:

• 🔒 Get 20% off when you join DeleteMe.
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Today’s Happy Hour Special: 🍺 Butterbeer Old Fashioned

Recipe: The G&M Kitchen

Ingredients:

·      1 12-ounce bottle cream soda

·      1/4 cup butterscotch topping

·      1 1/2 ounces bourbon

·      1 dash black walnut bitters

·      1 ounce heavy whipping cream

·      Ice

Instructions: Heat the cream soda in a small pot for 5–10 minutes. Remove from heat and stir in the butterscotch topping. Let cool. Add the bourbon, 1 ounce of the cream soda mixture, and a dash of walnut bitters to a rocks glass with ice. Stir to combine. Add whipping cream to a cocktail shaker and shake until thickened. Pour the cream on top of the cocktail and enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 The EntreLeadership Podcast

Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app!

We all love the ‘80s (minus the shoulder pads and neon). But were ‘80s babies better off financially? Find out how your favorite decade stacks up against today when it comes to money.

Next Steps:

·      💸 Invest in your future with a SmartVestor Pro!

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. 

·      📱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 Sponsor:

·      🔒 Get 20% off when you join DeleteMe.

Today’s Happy Hour Special: 🎃 Pumpkin Spice Espresso Martini

Recipe: The G&M Kitchen

Ingredients:

·      1 1/2 ounces bourbon

·      1/2 ounce Baileys Irish Cream

·      1 1/2 ounces espresso

·      2 teaspoons pumpkin butter

Instructions: Brew 1 shot of espresso. Add ice, bourbon and pumpkin butter to a cocktail shaker. Top with Irish cream and the shot of espresso. Shake for 30 seconds and pour into a coupe glass. Enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app!

On a scale of “water only at restaurants” to “extreme couponing,” how far would you go to save? Rachel and George weigh in on what savings hacks are really worth your time.

Next Steps:

·     🎥 Watch our video Cheapskate or Resourceful? A Wake-Up Call With Sharon Ramsey

·     📱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 Sponsor:

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Today’s Happy Hour Special: 🥧 Caramel Apple Pie Mocktail

Recipe: Merry About Town

Ingredients:

·     6 cups apple cider

·     1/2 cup caramel syrup

·     3 cups sparkling water

·     2 tsp cinnamon

·     2 apples

·     6 rosemary sprigs

·     Brown sugar (for rim)

Instructions: Mix apple cider and caramel syrup in a pitcher and add cinnamon. Add thinly sliced apples and rosemary sprigs and let sit for 20 minutes. Pour sparkling water into the pitcher and mix. Rim a glass with brown sugar, pour mocktail, and enjoy!

Listen to More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

💸 The Ramsey Show Highlights  

🧠 The Dr. John Delony Show

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! 

Would you rather retire in style or broke? (All right, that’s an easy one.) In this episode, Rachel and George are putting you to the test with a financial twist on “Would You Rather.”  

Next Steps:  

·      📱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 Sponsor: 

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Today’s Happy Hour Special: 🍸 Casino 

Recipe: Jean-félix Desfossés on Instagram 

2 ounces Bombay Sapphire gin 

1/2 ounce Luxardo maraschino liqueur 

3/4 ounce lemon juice 

1/4 ounce simple syrup 

2 dashes orange bitters 

Instructions: Fill a shaker with ice and all ingredients, and shake for 10–15 seconds. Strain and pour into a coupe glass. Enjoy! 

Listen to More From Ramsey Network: 

💡 The Rachel Cruze Show 

💰 George Kamel 

🎙️ The Ramsey Show 

💸 The Ramsey Show Highlights   

🧠 The Dr. John Delony Show 

💼 The Ken Coleman Show 

📈 EntreLeadership 

Ramsey Solutions Privacy Policy