💵 Create a free budget. Sign up for EveryDollar today!

You were “today years old” when . . . you learned about catch-up contributions, HSA benefits and the scam of genuine leather. Today we’re spilling all the tea on money (and life) lessons we learned too early, too late or right on time.

Next Steps

• 📗 Order George Kamel’s new book, Breaking Free From Broke. https://store.ramseysolutions.com

• 📱 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. 

Today’s Happy Hour Special ☕️ The BEST Espresso Martini Mocktail

 Recipe: Entirely Elizabeth

 Ingredients:

-       4 ounces cold brew concentrate

-       2 ounces heavy whipping cream

-       2 ounces simple syrup

-       1/4 teaspoon vanilla extract

-       1 pinch of salt

-       1 tablespoon cocoa powder

-       2 coffee beans

-       Ice

Instructions: Add cold brew concentrate, heavy whipping cream, simple syrup, vanilla extract and salt to a cocktail mixer and shake with ice. Coat the rim of a glass with simple syrup and cocoa powder. Pour coffee mixture into the glass. Garnish with coffee beans on top.

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today. Create a free budget!

We love a heroic attempt to save money! Until it backfires. (Let’s be real: We’ve all botched at least one DIY project.) Join Rachel and George for a relatable recap of the internet’s best frugal fails and find out where penny pinching might cost you more in the long run!

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

➡️ Don’t miss out on the tax deductions you qualify for—get help from a pro.

·      💵 Start budgeting today! Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.

·      📱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.

Today’s Happy Hour Special: 🍸 Dirty Shirley

Recipe: New York Times Cooking

Ingredients:

·      2 ounces vodka

·      1 ounce grenadine

·      8 ounces Sprite

·      1 maraschino cherry

·      Ice

Instructions: Fill a glass with ice. Add vodka and grenadine. Top with Sprite and garnish with a maraschino cherry.

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Create a free budget! Sign up for EveryDollar today. 

Venmo requests for $2? Obsessively checking the Dow’s daily swings? No thanks! Rachel and George are calling out America’s cringiest financial “icks” so you don’t have to. Plus, they’ve got some thoughts for the haters who think our tried-and-true financial principles are a total turnoff.   

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro. 

·      📱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.

Today’s Happy Hour Special 🍸 Corpse Reviver No. 2

Recipe: Difford’s Guide

Ingredients:

·      3/4 ounce gin

·      3/4 ounce triple sec

·      3/4 ounce Lillet Blanc

·      3/4 ounce fresh lemon juice

·      2 dashes absinthe

·      Ice

Instructions: Shake all ingredients with ice and fine strain into a chilled glass.

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget!

Stash, stash, spend! In this episode, Rachel and George are breaking down America’s current attitude about saving money. Plus, they’ll decide which popular explanations for dipping into savings are justified—and their answers might surprise you.

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

·       ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.

·      📱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.

Today’s Happy Hour Special 🍸 Blackberry Paloma Mocktail 

Recipe: Moody Mixologist

Ingredients:

·      4 fresh blackberries

·      5 dashes smoked chili bitters

·      1/2 ounce lime juice

·      6 ounces grapefruit soda

·      1 ounce butterfly pea tea (room temperature)

·      Ice

Instructions: Prepare butterfly pea tea according to package instructions and let cool. Muddle three blackberries in the bottom of a glass. Add bitters and lime juice. Muddle again. Top with ice and grapefruit soda. Add butterfly pea tea and garnish with the remaining blackberry.

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Create a free budget! Sign up for EveryDollar today. 

Life is hard, but it’s nothing a “little treat” can’t fix . . . right? Get Rachel and George’s take on the true cost of those seemingly innocent serotonin splurges. Plus, we’re keeping our hosts honest about the treats they secretly love to indulge in!

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.

·      📱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.

Today’s Happy Hour Special 🍸 Mudslide

Ingredients:

·      2 ounces vodka

·      1 ounce Bailey’s Irish Cream

·      1 ounce Kahlúa

·      1 1/2 ounces heavy cream

·      Chocolate syrup

Instructions: In a cocktail shaker filled with ice, combine the vodka, Bailey’s, Kahlúa and heavy cream. Shake until well chilled. Decorate the inside of your favorite cocktail glass with a drizzle of chocolate syrup. Strain the shaker into the decorated glass and enjoy!

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today. Create a free budget! 

Are we the world’s biggest basketball fans? Not exactly. But we’re always game for a friendly bracket competition! Join Rachel and George for a special round of March MONEY Madness as they debate some of the worst financial products in the world.

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.

·      📱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.

Today’s Happy Hour Special 🍸 Grapefruit Jalapeño Mocktail

Recipe: Allianna's Kitchen Grapefruit Mocktail

Ingredients:

·      1 cup grapefruit juice

·      1 cup club soda

·      1/2 small jalapeño

·      1 teaspoon lime juice

·      Ice

Instructions: Mix grapefruit juice, lime juice and club soda in a glass. Add ice. Garnish with 2–5 jalapeño slices, stir and serve.

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today. Create a free budget! 

What do Smart Money Happy Hour viewers really think about cutting up credit cards, the Baby Steps, and combining finances with their spouse? Tune in to find out! This week, George and Rachel react to your comments and raise their glasses to all the keyboard critics, trolls and BFFs who keep things lively in the comments section.

Next Steps

·      🎥 Check out the popular video where we explain our most hated financial advice.

·      ➡️ Need a plan for your money? Check out Financial Peace University.

·      📱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.

Today’s Happy Hour Special: 🍸Gold Rush

Recipe by: Difford’s Guide

Ingredients:

·      2 ounces bourbon whiskey

·      3/4 ounce lemon juice

·      3/4 ounce honey syrup (3 honey to 1 water)

·      3 drops saline solution 4:1 (20g sea salt to 80g water)

Directions:

Serve in an old-fashioned glass. Garnish with lemon wedge. Shake all ingredients with ice and fine strain into ice-filled glass.

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today. Create a free budget! 

We admit it: We love saving money! This week, George and Rachel are dishing out some of their favorite legit (and ludicrous) money loopholes, discounts and freebies that you might miss if you don’t read the fine print. (Free refills at Starbucks? Hello!)

Next Steps

·      🔎 Get help from a financial advisor to avoid those sneaky loopholes that will leave you broke.

·      ➡️ Don't miss out on the tax deductions you qualify for—get help from a pro.

·      📱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.

Today’s Happy Hour Special 🍸 Grapefruit Coconut Cooler

Recipe: Sunny’s Grapefruit-Coconut Cooler

Ingredients:

·      8 ounces Ruby Red or pink grapefruit juice

·      2 ounces cream of coconut

·      1/2 ounce agave nectar

Instructions: Combine the grapefruit juice, cream of coconut and agave in a small pitcher or bowl and stir to blend. Pour into a glass over ice.

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today. Create a free budget! 

Did your parents give you “the talk” as a kid—the money talk, that is? This week, Rachel and George weigh in on how previous generations have done with teaching their kids about money, and what you need to know to raise your own money-smart kids.

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.

Today’s Happy Hour Special 🍸 Oaxaca Old Fashioned (with Mezcal)

Recipe by: A Couple Cooks

Ingredients:

·      1 1/2 ounces tequila reposado

·      1/2 ounce mezcal

·      1 teaspoon agave syrup or honey

·      3 dashes chocolate bitters (or substitute Angostura bitters)

·      Large clear ice cube

·      Orange peel, for garnish

Instructions:

1.    Stir the tequila, mezcal, agave syrup, and bitters in a lowball glass. Add a large clear ice cube.

2.    Express the orange peel onto the glass by squeezing it to release the oils.

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today. Create a free budget! 

It’s Smart Money Happy Hour, of course we’re going to take a crack at a fun social media trend and use it to talk about money! This week, Rachel and George put an #OfCourse! twist on things Baby Steps Millionaires do to reach that $1 million milestone and keep building wealth. Shout out to the following creators for their #OfCourse! takes: @kaycegbrown, @dom.domination, @kellymann, @__QueenSie__ and @emyxbudgetsahm.

Next Steps

·      🎥 Want to do a deeper dive on the Baby Steps? Check out the How to Start Becoming a Millionaire in 2024 episode.

·      📗Spark conversations with your kids about contentment with Rachel’s kids book, I’m Glad for What I Have.

·      📱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.

Today’s Happy Hour Special: 🍸Roseberry Mule Mocktail

Recipe by: Tasty

Ingredients:

·      1 handful blackberries

·      1 sprig fresh rosemary

·      1 tablespoon agave nectar or honey

·      1 bottle ginger beer, to taste

·      1 ounce lime juice

·      Ice

Instructions:

1.    In a cocktail shaker or a tall glass, muddle blackberries and rosemary.

2.    Add sweetener and ice, shake until well combined. (If you do not have a cocktail shaker, simply pour back and forth between two glasses until combined.)

3.    Strain mixture over ice and add ginger beer and a squeeze of lime to taste.

4.    Garnish with blackberries and a sprig of rosemary.

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today. Create a free budget! 

Room service or extra room? Live like you’ve got a maid or live like a local? Rachel and George weigh in on the pros and cons of staying in a short-term rental (versus a hotel). And if you’re thinking about investing, they’ve got smart money advice for that too.

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.

Today’s Happy Hour Special: 🍸Limelight

Recipe by: Queen Bee Mixology

·      2 ounces Brother’s Bond bourbon

·      1/2 ounce lime juice

·      3/4 ounce simple syrup

·      3/4 ounce pineapple juice

·      3 dashes orange bitters

·      1 ounce Campari

·      Sprinkle of cinnamon

Instructions:

·      Add all ingredients, except Campari and cinnamon, to a cocktail shaker, top with ice, and shake until chilled.

·      Add 1 ounce of Campari to cocktail glass, add fresh ice, and strain cocktail shaker contents over top.

·      Sprinkle the top with cinnamon and enjoy!

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions Privacy Policy