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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.  

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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 

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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.

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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

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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.

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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

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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.

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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

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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. 

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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 

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

Remember Horsegate? When George broke a girl’s heart with just three words: “Sell the horse”? Well in this episode, Rachel and George react to seven of their viral money moments like that one that got your attention.  

Next Steps: 

·      🎥 Watch our video Explaining Our Most Hated Financial Advice. 

·      📱 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. 

·      Follow Rachel and George on Instagram for more financial tips: @rachelcruze, @georgekamel 

Connect With Our Sponsors: 

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Today’s Happy Hour Special: 🍹 French Blonde 

Recipe: Today 

Ingredients: 

·      1 ounce Bombay Sapphire gin 

·      1/2 ounce Lillet Blanc 

·      1 1/2 ounces freshly strained grapefruit juice 

·      3/4 ounce St.-Germain 

·      1 dash lemon bitters 

·      Grapefruit twist (optional) 

Instructions: Add all ingredients to a cocktail shaker filled with ice. Shake and strain into a coupe. Garnish with a grapefruit twist if desired 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 park a mile away to avoid pricey parking? Or let your home become a sauna to keep AC costs low? Just how far are you willing to go to save on cost of living? Stick around to hear some of the most extreme money-saving hacks out there.  

Next Steps: 

·  🎥 Check out our video Girl Math: Smart Financial Strategy or Huge Money Mistake? 

· 📱 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: 

· 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🍸 Tequila Manhattan 

Recipe: Food & Wine 

Ingredients: 

· 2 ounces añejo tequila 

· 1 ounce sweet vermouth 

· 2 dashes mole bitters 

Instructions: Combine all ingredients in a mixing glass with ice and stir until thoroughly chilled. Strain into a chilled coupe or over a large whiskey cube. Garnish with a maraschino cherry and/or an orange twist. 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!

If you’d rather do literally anything else besides sit down and make a budget (including watching Frozen with your kids for the 10th time), then this one’s for you. In this episode, George and Rachel are responding to the most common excuses for not budgeting.

Next Steps:

·      📗 Order George Kamel’s new book, Breaking Free From Broke.

·      📱 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:

·      🔒 This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.

Today’s Happy Hour Special: 🥃 Blackberry Lime Mule Mocktail

Recipe: Paige Bakes

·      4 blackberries

·      Lime juice (1 lime)

·      2 cups crushed ice

·      6.8 ounces (1 bottle) ginger beer

Instructions: Pour lime juice and muddle blackberries in a glass. Fill the glass with ice and strain blackberry lime juice into a separate glass. Top with ginger beer. 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!  

If you’ve ever dreamed of being a contestant on your favorite game show (and yelling “good

answer!” at the top of your lungs), then today’s episode is the next best thing! Rachel and

George are going head-to-head in our Financial and Fun game, so play along for some money-

saving tips.

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:

• 🔒This episode is sponsored by DeleteMe. Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney.

Today’s Happy Hour Special: Dark and Stormy

Recipe: Food and Wine 

Ingredients:

• 2 ounces dark rum

• 1/2 ounce lime juice

• Ice

• 3 ounces ginger beer

• 1 candied ginger slice

• 1 lime wheel

Instructions: Fill a cocktail shaker with ice, add rum and lime juice, and shake well. Strain into an ice-filled collins glass and stir in the ginger beer. Skewer the ginger slice and lime wheel and

garnish. 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!

In this episode, we’re switching things up with a little help from our friends (that means you, #SMHHNation)! Rachel and George are here to weigh in on actual money questions submitted by YOU.

Next Steps:

· 🎥 Check out our video Explaining Our Most Hated Financial Advice.

· 📱 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: 🍸 Fireman’s Daiquiri

Recipe: The Cocktail Bible

Ingredients:

·      2 ounces rum

·      1 ounce lime juice

·      3/4 ounce grenadine

Instructions: To a shaker, add rum, lime juice, grenadine and ice. Shake, strain into your favorite glass, 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!

The smell of warm cookies, a hug from your bestie, American Idol b-roll—let’s face it, we all love feeling good! But in this episode, Rachel and George explore why dopamine overdosing doesn’t hit quite like it used to—plus how to regain everyday joy.

Next Steps:

·  🎥 Check out our video Should We Sell It All and Be Homesteaders?

·  📱 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.

Offer From Our Sponsor:

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Today’s Happy Hour Special: 🍸 Lemon Drop Mocktail

Recipe: Lemon Drop Mocktail From Food Banjo

·      Sugar (for rim)

·      4 ice cubes

·      3/4 ounces simple syrup

·      1 1/4 ounces lemon juice

·      2 1/2 ounces club soda

·      Lemon peel (for garnish)

Instructions: Place a small pile of sugar on a plate. Take a martini glass and wet the rim with either a lemon half or water. Dip the rim of the glass in the sugar for a nice coating around the rim. Add the ice cubes, simple syrup and lemon juice into a cocktail shaker. Shake together for 15 seconds. Strain the mixture into the martini glass and top with the club soda. Garnish with a lemon peel 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

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