💰 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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·   Get up to 40% off the exclusive bundles with code SMARTMONEY at Cozy Earth.

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.

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: 🍹🌼 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. 

·   💵 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: 🥂 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. 

Connect With Our Sponsors:

·       Check out the FAIRWINDS Credit Union exclusive account bundle.

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·   Get 20% off with code SMARTMONEY at Cozy Earth.

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.

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: 🍹 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.

Connect With Our Sponsors:

·       Check out the FAIRWINDS Credit Union exclusive account bundle.

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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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🏡 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.

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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.

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