💰 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?
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• 💵 Create a budget and track expenses with EveryDollar.

• Check out Ramsey’s Complete Guide to Investing.

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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!

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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.

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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!

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💸 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.

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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.

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💸 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!

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💸 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:

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🪑 Front Row Seat with Ken Coleman

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💸 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.  

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💸 Want to see how fast you can pay off your house? Use our FREE Mortgage Payoff Calculator.

Matt and Abby from The Unplanned Podcast join Rachel and George to reminisce on early married life working the Ramsey plan, dancing through their pandemic TikTok success and so much more.

Next Steps:

• 🎥 Watch our video Baby Q&A: Costs, Essentials and Honest Advice.

• 🍸 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: 🥃 Moscow Mule Mocktail

Recipe: Mallory the Dietician

• 1/2 cup light ginger beer

• 1/4 cup sparkling water or soda water

• 2 tablespoons lime juice

• 1 teaspoon fresh mint, muddled

• Ice cubes

Instructions: Pour the ginger beer, squeeze of lime juice, and sparkling water or soda water in a glass over ice and give it a good stir. Garnish with a slice of lime and fresh mint and enjoy!

Explore More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

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💸 Want to see how fast you can pay off your house? Use our FREE Mortgage Payoff Calculator.

Claire’s, Sbarro, Great American Cookies—can we go back to ’90s mall culture? In today’s episode, George and Rachel are taking a nostalgic trip down memory lane to weigh the pros and cons of shopping in 2005 vs. 2025.

Next Steps:

• 🎥 Watch our video What Today’s Teens Are Buying (vs. Us 20 Years Ago) .

• 🍸 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.

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• Check out the FAIRWINDS Credit Union exclusive account bundle.

• Get 20% off when you join DeleteMe.

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Today’s Happy Hour Special: 🍹 Enzoni

Recipe: @deadendwest

•    1 ounce gin

• 1 ounce Campari

• 1/2 ounce simple syrup

• 3/4 ounce lemon juice

• 5 grapes

Instructions: Add ingredients to a shaking tin. Muddle grapes. Add ice and shake. Fine strain into rocks glass of ice. Garnish with a grape.

Explore More From Ramsey Network:

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💪🏼 Which side hustle is right for you? Get personalized recommendations with this Side Hustle Quiz.

When you think you’re slaying the personal finance game by following the latest money trend . . . but you’re really just taking one step forward and two steps back—no more! Today, George and Rachel are explaining why these common financial habits will make you broke, average or wealthy.

Next Steps:

• 🎥 Watch our video Habits Wasting Your Time (and Money) in 2024.

• 🍸 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. 

• 💵 Sign up for EveryDollar today to create a free budget.

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: 🍋‍🟩 Cucumber Lime Mocktail

Recipe: Vibrant Plate

·        1 large cucumber

·        1 cup of water

·        2 limes

·        3 tablespoons mint leaves

·        2 tablespoons maple syrup

·        Pinch of salt

·        1 cup carbonated mineral water

·        2 cups of ice cubes (or more as needed)

Instructions: Peel and dice one large cucumber, then add to a high-speed blender. To the blender, add one cup of water, the juice of two limes, three tablespoons of mint leaves, two tablespoons of maple syrup, and a pinch of salt. Blend until smooth. Strain the cucumber juice through a fine strainer or cheesecloth into a jar. To the jar, add one cup carbonated mineral water and two cups of ice cubes (you can add more ice cubes if you like). Serve in glasses with ice cubes. For decoration, you can add some cucumber slices, a lime wedge and some more mint.

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📈 Are you making these four common investing mistakes? Get our free Investing Guide and find out.

Is it actually possible to plan a quality date night at any budget level? In this episode, you’re going to find out! George and Rachel are looking at real-life, real-budget scenarios and creating fun date nights on the spot.

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. 

• 💵 Sign up for EveryDollar today to create a free budget.

Connect With Our Sponsors:

• Check out the FAIRWINDS Credit Union exclusive account bundle.

• Get 20% off when you join DeleteMe.

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Today’s Happy Hour Special: 🍹 Ragg’s Rye-Tai

Recipe: Gastrohub

·        3/4 ounce lemon juice

·        3/4 ounce pineapple juice

·        1/2 ounce orgeat

·        1/2 ounce amaretto

·        2 ounces Elijah Craig rye whiskey

Instructions: Add all ingredients to a tin, and whip shake. Pour drink into glass, then add a GENEROUS amount of crushed/pebble ice until it’s pouring over. Add a couple dashes of angostura bitters to the top of the ice mountain. Garnish with some clean pineapple leaves and a pineapple chunk and cheers!

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📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out.

We’ve got a doctor in the house today, friends. In this episode, mental health expert Dr. John Delony gives Rachel and George some financial therapy, plus shares his hot takes on your money and relationship questions.

Next Steps:

•  🛒 Check out John Delony’s Questions for Humans: Friends Second Edition.

• 🎥 Watch our video 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[JS1]  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. 

• 💵 The simplest way to budget. Download the EveryDollar app for free!

Connect With Our Sponsors:

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Today’s Happy Hour Special: 🍹 Alice From Dallas

 Recipe from Difford’s Guide:

• 1/2 ounce Galliano Espresso coffee liqueur

• 1/2 ounce Grand Marnier or other cognac orange liqueur

• 1/2 ounce Patrón Reposado tequila

Instructions: Select a shot glass. Refrigerate ingredients. Once chilled, layer in a chilled glass by carefully pouring ingredients in the order listed. Enjoy!

 Explore More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

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🧠 The Dr. John Delony Show

🪑 Front Row Seat with Ken Coleman

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