Reacting to Outrageously Bougie Celebrity Homes

🏡 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. Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:05George Kamel?

  Welcome to our crib. Today, we're peeking inside the bougiest real estate in America. From luxury celebrity homes to billionaires in Nebraska. You know it's just a little too late.

• 0:15Rachel Cruze?

  You know it's just a little too late. George Kamel, I can't.

• 0:19George Kamel?

  It's called sunk cost fallacy.

• 0:21Rachel Cruze?

  I can't. You have added so much stress.

• 0:23George Kamel?

  They would have funded my kid's college twice over, probably.

• 0:26Rachel Cruze?

  Oh, my gosh, George Kamel.

• 0:33Rachel Cruze?

  Hey, guys, I'm Rachel Cruz.

• 0:35George Kamel?

  I'm George Kamel.

• 0:37Rachel Cruze?

  And this is Smart Money Happy Hour. Cheers, George.

• 0:42George Kamel?

  Cheers.

• 0:47Rachel Cruze?

  That's refreshing.

• 0:48George Kamel?

  That'll pique your interest.

• 0:50Rachel Cruze?

  Well, this is the show where two friends who happen to be money experts talk about what you're talking about. So everything from pop culture, current events, and money.

• 0:57George Kamel?

  But first, Rachel, let's talk about what we're sipping on here. This is a beautiful purple drink called Purple Rain. You know who sings that?

• 1:04Rachel Cruze?

  Prince.

• 1:05George Kamel?

  Nicely done.

• 1:06Rachel Cruze?

  I won't sing it because I don't sing in public, but I'm humming it in my head.

• 1:12George Kamel?

  Well, we're going to give you a rating and reveal the cost per glass for this cocktail at the end of the episode, so stick around for that. And we love this sound, don't we?

• 1:19Rachel Cruze?

  Just a little.

• 1:19George Kamel?

  That really whets the appetite. Just hear some ice clinking.

• 1:22Rachel Cruze?

  Yeah, a little ASMR or whatever it's called.

• 1:25George Kamel?

  Yeah.

• 1:26Rachel Cruze?

  Yeah.

• 1:26George Kamel?

  I'm surprised you know that.

• 1:27Rachel Cruze?

  I do know that.

• 1:28George Kamel?

  I'm proud of you.

• 1:29Rachel Cruze?

  It's very satisfying sometimes. You know the best ASMR?

• 1:33George Kamel?

  What's that?

• 1:34Rachel Cruze?

  Rug cleaning.

• 1:35George Kamel?

  Oh, yeah.

• 1:36Rachel Cruze?

  We don't get into it, but the swish and the squeak and the oh, it's the best. It makes me so happy.

• 1:42George Kamel?

  The sound, the visuals?

• 1:44Rachel Cruze?

  I know. Okay, well, we recently discovered that George has a new talent.

• 1:49George Kamel?

  I've had it. I just haven't had to use it ever.

• 1:51Rachel Cruze?

  Well, it is a

• 1:53George Kamel?

  You ready for it?

• 1:53Rachel Cruze?

  It's an accent. You can do impressions, so give us

• 1:57George Kamel?

  That's a strong. I can do them better than you. The bar is low. All right, let's see if you know this one.

• 2:02Rachel Cruze?

  Okay.

• 2:03George Kamel?

  Some celebs have a Malibu mansion, others a ski lodge in Vail, but there's one who vacations in Cabo next to Mark Zuckerberg's yacht. This is the fabulous life of Rachel Cruz.

• 2:18George Kamel?

  That's as best as I can do.

• 2:21Rachel Cruze?

  I'm dead. If you could do that like skull emoji.

• 2:24George Kamel?

  That guy, I don't know. I don't even know where he's from.

• 2:26Rachel Cruze?

  I don't even, The Fabulous Life of.

• 2:29George Kamel?

  It's not quite British.

• 2:30Rachel Cruze?

  It is. It's got some Brit to it, right?

• 2:33George Kamel?

  A little bit.

• 2:34Rachel Cruze?

  Golly. Do you remember that show though?

• 2:36George Kamel?

  The Fabulous Life on VH1?

• 2:38Rachel Cruze?

  It was, it was so good. It was so good.

• 2:41George Kamel?

  Our obsession with celebrities' lives and homes. And now, we don't have that, but we do have the architectural.

• 2:47Rachel Cruze?

  We got the original clip though.

• 2:49George Kamel?

  Oh, we do. Okay. Here's a, if you don't know that reference, here's a clip from the original show so you understand how good The Fabulous Life was.

• 2:58Speaker 02

  Plus, you think she's just living off daddy's money? Wrong. This is The Fabulous Life of Paris Hilton.

• 3:05George Kamel?

  There you go. That's all you need. See how close my impression was?

• 3:09Rachel Cruze?

  You did really good.

• 3:10George Kamel?

  You probably mistook it when I was saying it.

• 3:12Rachel Cruze?

  You did good.

• 3:12George Kamel?

  Well, we don't have The Fabulous Life anymore, R.I.P. VH1. I don't know what, is that even a channel anymore?

• 3:18Rachel Cruze?

  Cribs was MTV.

• 3:19George Kamel?

  Cribs, yes. MTV had Cribs.

• 3:21Rachel Cruze?

  Yeah, so good.

• 3:22George Kamel?

  The Fabulous Life felt a little more like.

• 3:24Rachel Cruze?

  It's a little classier. Cause you got to see the planes. You got to see like, she could buy face lotion.

• 3:29George Kamel?

  Cribs went a little more humor.

• 3:30Rachel Cruze?

  That would fill up the country of Cuba. You know what I mean? Like, they always like give these comparisons of like, she can buy enough of. And they fill it in. And you're like, oh man.

• 3:38George Kamel?

  We don't have that anymore, but we do have YouTube. And Architectural Digest has these celebrity home tours that are a little bit creepy, but they're fun to watch.

• 3:47Rachel Cruze?

  It's not the one that is like a one take through the whole thing.

• 3:50George Kamel?

  No, that's a different, that's like the GQ.

• 3:52Rachel Cruze?

  Okay, okay, okay, okay.

• 3:53George Kamel?

  With like 48 questions with Taylor Swift. And it feels so forced.

• 3:57Rachel Cruze?

  But it's like, it's like a one take in their home though, so you see it all.

• 4:00George Kamel?

  I don't want to hear the cameraman. Gonna be honest. Not interested to hear their voice.

• 4:03Rachel Cruze?

  No, but this other one is classier, would you say?

• 4:05George Kamel?

  Yeah. It's like, oh, come on in. Wasn't expecting you. Clearly you were.

• 4:10Rachel Cruze?

  Here you are.

• 4:11George Kamel?

  Dakota Johnson.

• 4:12Rachel Cruze?

  Dakota Johnson.

• 4:13George Kamel?

  Do you remember that one?

• 4:14Rachel Cruze?

  I know. See, I don't feel up to my pop culture in this reference, but I-

• 4:20George Kamel?

  But she gave an AD home tour.

• 4:22Rachel Cruze?

  She has famous parents too, right? Wasn't she like a Hollywood-

• 4:24George Kamel?

  Yeah, I think Don Johnson, if I'm not mistaken.

• 4:27Rachel Cruze?

  Something like that, yeah. It was, she did a house tour, right? That became like kinda infamous.

• 4:33George Kamel?

  She had a table made out of wood from Winston Churchill's yacht. Now that's something Dave Ramsey would want to own. I could see him wanting that. So Dakota, if you're looking to sell, got you a buyer. But here's the drama around her home tour.

• 4:46Rachel Cruze?

  Yeah.

• 4:46George Kamel?

  When asked about the bowl of limes in her kitchen, she jokingly said, "She just really loves limes."

• 4:51Speaker 03

  I love limes. I love them. They're great. I love them so much and I like to present them like this in my house.

• 4:57George Kamel?

  When she mentioned in another interview that she doesn't like limes, people called her a fraud.

• 5:01Rachel Cruze?

  What a fraud.

• 5:02George Kamel?

  Who knew?

• 5:03Rachel Cruze?

  Golly, the internet is sleuthing. They, they know. They'll catch you in any lie, George.

• 5:09George Kamel?

  But that's probably something I would say, even if I didn't like limes. Like it's just funny to be like, "I really love limes. What can I say?"

• 5:15Rachel Cruze?

  I know. Well, sometimes we say stuff that in the moment feels right and then you watch it back and you're like, "Oh, I wasn't that passionate about."

• 5:22George Kamel?

  Well, who thinks they're gonna be questioned for a bowl of fruit on the table?

• 5:25Rachel Cruze?

  A bowl of limes.

• 5:25George Kamel?

  Interrogated even. So she later explained that production put them there and apparently people can't understand sarcasm. Which she has a pretty dry sense of humor.

• 5:33Rachel Cruze?

  Yes.

• 5:33George Kamel?

  If you've seen her like on SNL or one of those.

• 5:35Rachel Cruze?

  Yeah, yeah, yeah.

• 5:35George Kamel?

  That's her style, is the kinda low key, "Just really love limes."

• 5:38Rachel Cruze?

  Just a little chill. Just a little chill.

• 5:40George Kamel?

  There you go.

• 5:41Rachel Cruze?

  Okay, well, I think we should go through some of these home tours, because the home market right now, the housing market, it's like a buzz, right? Prices are high, interest rates have been higher than they were years ago, right? The 2%, 3%. So I feel like we're all into the housing convo and we kinda wanna-

• 5:56George Kamel?

  And we all secretly Zillow, doom scroll and look at homes we can't afford.

• 6:00Rachel Cruze?

  Let's just peek inside some of these celeb homes.

• 6:02George Kamel?

  Well, the video tours are now a thing for a normal home listing.

• 6:05Rachel Cruze?

  Yes, they'll do that. 100%.

• 6:07George Kamel?

  Fancy video walkthroughs in the 3D. It's really come a long way.

• 6:11Rachel Cruze?

  It has, versus just pictures on the MLS, you know?

• 6:13George Kamel?

  Pictures don't do it justice. You ever walk in a room and you're like, "Wow, they really made this look better."

• 6:18Rachel Cruze?

  Well, and it's like a, well, you know this because you're artsy, but like-

• 6:22George Kamel?

  Thank you. That is a compliment, but it felt like a slight.

• 6:25Rachel Cruze?

  No, but like the angle of a camera, like what it can change, right?

• 6:29George Kamel?

  Yeah, so wide lens.

• 6:30Rachel Cruze?

  Yes.

• 6:30George Kamel?

  They make the room look a whole lot bigger.

• 6:32Rachel Cruze?

  Yes.

• 6:32George Kamel?

  That walk-in closet looks huge and now you're in person.

• 6:35Rachel Cruze?

  Yeah, then you get to it and you're like, it's not even that big of a deal. Yep, totally.

• 6:37George Kamel?

  They make sure every light in the house is on, as much natural light as possible. Clean everything off the counters. You want to make it look like.

• 6:45Rachel Cruze?

  Yes.

• 6:45George Kamel?

  You can picture yourself living there, not like, oh, Joe lives there. We looked at a house.

• 6:50Rachel Cruze?

  Yeah, what happened?

• 6:51George Kamel?

  Um, well, it was the house that needed to be sold in order for that person to buy our house.

• 6:56Rachel Cruze?

  Mmm.

• 6:56George Kamel?

  And we had very little faith because there was like bright magenta pink, like cat blankets and pillows.

• 7:02Rachel Cruze?

  Crap.

• 7:03George Kamel?

  And there was a cat jungle gym on the back patio.

• 7:05Rachel Cruze?

  Oh, no.

• 7:06George Kamel?

  That was like fenced in, like a nine-foot jungle gym for the cats. I'm like, lady.

• 7:10Rachel Cruze?

  No.

• 7:10George Kamel?

  This is never gonna sell.

• 7:11Rachel Cruze?

  No, take your cat stuff away. People don't want a house that a cat was there.

• 7:15George Kamel?

  Turned down that buyer because we were like, that's too risky.

• 7:17Rachel Cruze?

  That's smart, George.

• 7:18George Kamel?

  And it took a long time for that house to sell.

• 7:19Rachel Cruze?

  Wow, so when the buyer came to you to buy your house.

• 7:22George Kamel?

  It was contingent on their home selling.

• 7:24Rachel Cruze?

  So then you said, let's go look at theirs to see if theirs will sell quick. And you saw it and you said, no.

• 7:28George Kamel?

  I looked at the listing and it was priced too high to have a cat tower.

• 7:32Rachel Cruze?

  What a forward thinker you are. You're in with me.

• 7:34George Kamel?

  Strategery.

• 7:36Rachel Cruze?

  Okay, well, let's go to some celeb home tours.

• 7:39George Kamel?

  Okay.

• 7:40Rachel Cruze?

  Uh, there was one with JoJo and this one was a, was a Cribs episode.

• 7:44George Kamel?

  Yes.

• 7:45Rachel Cruze?

  Okay, so we're gonna go back in time a little, a little nostalgia.

• 7:47George Kamel?

  Can you name a JoJo song?

• 7:49Rachel Cruze?

  Uh, It's a Little Too Late.

• 7:50George Kamel?

  You want to sing it for us?

• 7:51Rachel Cruze?

  Nope, I don't. But you go, George, you know it?

• 7:53George Kamel?

  I just know the little, the little riff at the end of the chorus.

• 7:56Rachel Cruze?

  Give us a little something, give us a little something.

• 7:57George Kamel?

  You know it's just a little too late.

• 7:59Rachel Cruze?

  Yes.

• 8:00George Kamel?

  You know it's just a little too late.

• 8:02Rachel Cruze?

  That's a little bit higher. Yeah, yeah, yeah, yeah, yeah.

• 8:04George Kamel?

  Little false saddle never hurt anybody.

• 8:05Rachel Cruze?

  George, well done. Good, good voice.

• 8:08George Kamel?

  Thank you.

• 8:08Rachel Cruze?

  I love that. I love that. But yeah, let's go back, um, to the Cribs era. We'll go back with a little nostalgia because of JoJo and actually her episode of Cribs, she later confessed wasn't even her house. Isn't that crazy? That's like when people go on like a private plane now on Instagram and they like shoot videos and they like

• 8:25George Kamel?

  They don't even own a plane.

• 8:26Rachel Cruze?

  Yeah, they like rented it for an hour or something to do videos.

• 8:28George Kamel?

  Did she not have a house? Why not just use her house?

• 8:31Rachel Cruze?

  No, I just don't think it was good enough for crib. So she felt the pressure, see? The pressure's always been there, the social pressure, George. It's always been there where you feel like you gotta be a little bit better. Oh, it's so tough. But you know what does make you a little bit better?

• 8:43George Kamel?

  What's that?

• 8:43Rachel Cruze?

  Cozy Earth.

• 8:45George Kamel?

  Now, that's luxury that isn't trying to flex.

• 8:47Rachel Cruze?

  It is luxury and you just get to be a better version of yourself.

• 8:50George Kamel?

  You can't fake that.

• 8:51Rachel Cruze?

  When you're experiencing Cozy Earth, whether you're in the sheets all snuggled up to go to bed, you're in the loungewear, you're in the socks, like it doesn't matter, clothes, bedding. It's one of my favorite places to shop. I know we talk about it a lot, but I do because it is a product that I feel like I can stand behind because all this stuff is such quality. And it just, it holds up, like it's amazing.

• 9:14George Kamel?

  Yeah, and it makes a really unique gift too.

• 9:16Rachel Cruze?

  Yes.

• 9:16George Kamel?

  Cause nobody's thinking about it, but you give it to them and they go, oh my gosh, I didn't know I was missing out on life.

• 9:21Rachel Cruze?

  I didn't know I needed these joggers, oh my gosh.

• 9:24George Kamel?

  Love the men's everywhere pant.

• 9:25Rachel Cruze?

  Yeah, we did.

• 9:26George Kamel?

  Love a pant.

• 9:29George Kamel?

  I'm gonna say it, I think it should be singular.

• 9:31Rachel Cruze?

  Is it a pants?

• 9:32George Kamel?

  Is it pants or pant?

• 9:33Rachel Cruze?

  Well, you got two legs.

• 9:35George Kamel?

  But it's one pant.

• 9:37Rachel Cruze?

  Two legs, one pants, Cozy Earth pants.

• 9:39George Kamel?

  All pants have two legs.

• 9:40Rachel Cruze?

  Any pants though, it's worth it though, yeah.

• 9:43George Kamel?

  Check it out, go to cozylearth.com/smartmoney and use the code SMARTMONEY at checkout to get 20% off. And when you get the post purchase survey, which you will, make sure to mention that SMARTMONEY sends you there. We'll drop a link in the description as well. All right, Rachel, we got the laptop set up. Let's check out this clip of JoJo confessing in the interview.

• 10:01Speaker 04

  Humble beginnings, one of the things that I wasn't even prepared to bring up in this interview, but when I said JoJo's coming in, so many people said, oh my God, you have to ask about her cribs episode.

• 10:10Rachel Cruze?

  Let me tell you about that. I don't know if people know this, but that was my like, that's the richest person in my family's house. So we went to the Cape, which I've like never been to the Cape. I like never go to the Cape. And we said that that was my house.

• 10:21Speaker 04

  Oh, that wasn't your house?

• 10:23Rachel Cruze?

  No.

• 10:24Speaker 04

  Wow, is that a bombshell? Is that gonna blow people's minds right now?

• 10:27Speaker 05

  I had like, no, that was not my house. We brought in some like items that I had. My mom and I were living in an apartment in New Jersey at the time. But yeah, we went to my Uncle Scott's place in Wareham, Mass. Thank you, Scott. I so appreciate you letting us use

• 10:41George Kamel?

  Wow.

• 10:41Speaker 05

  your house for my iconic Cribs episode.

• 10:44George Kamel?

  That is so funny.

• 10:45Speaker 05

  Yeah, full of crap. It's just, it's all lies.

• 10:48Rachel Cruze?

  George, that's, that is

• 10:49George Kamel?

  I don't know what's real anymore. Here's my thing, why not just decline and go, hey, I don't think it's a fit.

• 10:54Rachel Cruze?

  Did you see her though? She was like 12 years old and she had her first hit. MTV wants to do a spotlight on you. You're gonna say yes.

• 11:00George Kamel?

  And your publicity is just like, hey, do it at all costs.

• 11:03Rachel Cruze?

  And there's a part of me, I'm like, I can see how she did that though. Like, right? Number one, she looks like she's 12 in this. She's probably 16.

• 11:09George Kamel?

  Yeah.

• 11:10Rachel Cruze?

  Her mom and her are living in an apartment. If you're her mom, I think about this, that'd be me. So she's probably like mid 40s. Like, that'd be me with Amelia being 16. So it's six years.

• 11:20George Kamel?

  Okay.

• 11:21Rachel Cruze?

  Right? And you're like, your girl's just made it. And MTV, you're gonna do the best. Like, I get how they did that.

• 11:27George Kamel?

  This is a huge opportunity. You have to figure it out.

• 11:29Rachel Cruze?

  I get, yeah. Right?

• 11:31George Kamel?

  That's a pretty wild lie. Still.

• 11:34Rachel Cruze?

  Yeah, I know it is.

• 11:35George Kamel?

  But I don't put it on JoJo. I do think there was other people in her life that

• 11:37Rachel Cruze?

  Oh, sure.

• 11:38George Kamel?

  basically forced her into this.

• 11:39Rachel Cruze?

  But what are they gonna say? We're gonna go to an apartment? Cause then Cribs would probably be like, oh, never mind. And then they lose that publicity.

• 11:45George Kamel?

  That would've been a great episode of Cribs to see how humbly she lives.

• 11:47Rachel Cruze?

  But that wasn't the, that is the opposite of Cribs.

• 11:50George Kamel?

  I know.

• 11:51Rachel Cruze?

  The flash she is, you don't even, like, I see how it happens. So JoJo, I don't blame you. And I so, and I love her, like, honesty and her confidence in it now. Where she said, oh no, this was all a lot. Like, give me, I love it. I just, I just love her honesty now. So.

• 12:06George Kamel?

  Well, that was a good start. Hopefully the, the next few we watch are their actual homes. Otherwise, why even watch anything anymore? Is anything real?

• 12:14Rachel Cruze?

  Okay, let's do Gwyneth Paltrow's.

• 12:16George Kamel?

  Okay.

• 12:17Rachel Cruze?

  Cause she did, she did some.

• 12:19Speaker 06

  So this is the entryway here.

• 12:21Rachel Cruze?

  Beautiful.

• 12:22Speaker 06

  We built this from the ground up. So it's the first time I've ever done anything like that. It was quite an undertaking. I think having spent so much time as an expat in Europe and really falling in love with Georgian proportions and those kind of details, I really wanted the entryway to feel like its own special room. And so with the architects, we conceived of having a fireplace, which is something you see a lot in Europe in an entryway. And it just gives this really nice feeling of warmth and welcome as you come in. The tiles reminds me of, you know, as I said, my time living in London and just a detail that's classic and traditional. I really like the mix of having the things that are sort of systemic to the house. They're more traditional.

• 13:05Speaker 06

  We have reclaimed fireplaces and old floors. And then I think it gives sort of leeway to have a more contemporary, like, mixed experience with the varnishes and stuff like that.

• 13:15Rachel Cruze?

  I wish I had some time in Europe to compare my architecture.

• 13:19George Kamel?

  That's what I love, is the like, well, of all the places, I want to have a little taste of everywhere I've been and lived. And Georgian proportions.

• 13:26Rachel Cruze?

  Georgian proportions.

• 13:27George Kamel?

  Little shout out to our short king on the show.

• 13:29Rachel Cruze?

  Next time Winston walks through a house and he critiques something, I'm gonna say, yeah, the Georgian proportions here are missing.

• 13:35George Kamel?

  Talking about the country of Georgia?

• 13:36Rachel Cruze?

  I don't know.

• 13:38George Kamel?

  Is that a reference that I don't understand? Well, what if she meant systemic? I don't think she used that word correctly.

• 13:43Rachel Cruze?

  I don't even know, but it is beautiful. I like a clean look.

• 13:46George Kamel?

  I do like, this was a really nice house.

• 13:48Rachel Cruze?

  Yeah, that was beautiful.

• 13:49George Kamel?

  Tasteful.

• 13:50Rachel Cruze?

  Yes.

• 13:50George Kamel?

  And kind of almost like minimalist. And it wasn't doing the most.

• 13:53Rachel Cruze?

  Yes. Well, it looks like a court, like the courtyard-y thing that I feel like that is kind of European with like a fireplace, like an indoor entryway.

• 14:02George Kamel?

  Oh, yeah.

• 14:03Rachel Cruze?

  But yet it like feels out, I don't know. It had like a mix of all the feels. See, this is me as a designer. Did you like all that?

• 14:10George Kamel?

  We should have had Winston Cruz on for this one, because he knows, famously.

• 14:14Rachel Cruze?

  Oh, my gosh.

• 14:15George Kamel?

  He can talk about the baseboards for hours.

• 14:16Rachel Cruze?

  I know, okay.

• 14:18George Kamel?

  The crown molding.

• 14:18Rachel Cruze?

  Let's do the next one. We had Kendall Jenner.

• 14:22George Kamel?

  You'll love this one.

• 14:23Rachel Cruze?

  Kendall girl.

• 14:25George Kamel?

  Is that what you call her?

• 14:26Rachel Cruze?

  Kendall Girl. I just remember her cutting a cucumber one time and it was one of my favorites.

• 14:31George Kamel?

  Oh, that was wild.

• 14:32Rachel Cruze?

  Just, I was scared for her finger. I thought, oh no, Kendall.

• 14:35George Kamel?

  Like, why would you do that on camera when you know you don't know how to cut a cucumber? Like, just choose a simpler vegetable.

• 14:42Rachel Cruze?

  It is one of the most simple vegetables.

• 14:44George Kamel?

  I guarantee you a producer was like, hey, do that, but while cutting a cucumber. She was like, uh, okay. Nervous.

• 14:50Rachel Cruze?

  Okay, let's see her out.

• 14:51George Kamel?

  She's just like us, so relatable.

• 14:52Rachel Cruze?

  She's just like us.

• 14:54Speaker 07

  This is the kitchen. We wanted a really open space, hence it's kind of connected to the family room. When building the house and kind of figuring out how we were gonna get the most light, this skylight came up and I thought how perfect in a place that's snowed.

• 15:07Rachel Cruze?

  Very 90's.

• 15:08Speaker 07

  Really beautifully and I think it creates such nice light in here. So that was a really genius idea on the architect and designer's part. For a while, we were playing with so many ideas.

• 15:17Rachel Cruze?

  There's the limes.

• 15:17Speaker 07

  Is it a color? Is it yellow? In the end, I kind of sat with it and I was like, there's so much going on in the house that I want it to feel a little bit more neutral. So we used the floors and the range and the details, like the little curtains at the bottom of the sink and all those things as the pops of color. And I'm really happy with how it turned out. I think I definitely built this house more for my friends than I did for myself. Every time I come here, there's a million invites out for any one of my friends and all of them are pretty much down to come. And it's just really good vibes. So I wanted to create a really fun, peaceful place and this has become that.

• 15:50Rachel Cruze?

  Wow, Kendall, what a giver. She built the house for the friends.

• 15:54George Kamel?

  It wasn't for her.

• 15:54Rachel Cruze?

  No, it was for the friends.

• 15:56George Kamel?

  That's so good.

• 15:57Rachel Cruze?

  You know what? I did kind of say that when we built our house, though, like for our kids and their friends.

• 16:00George Kamel?

  You want to host. You're like, we're gonna host a lot, so we want this.

• 16:03Rachel Cruze?

  So, you know what? I'm kind of making fun of her. I don't mean to, Kendall.

• 16:05George Kamel?

  And honestly, it's a gorgeous house.

• 16:07Rachel Cruze?

  Okay, question.

• 16:08George Kamel?

  It has the modern elements, but it has a lot of these old school, traditional feel to it, too.

• 16:12Rachel Cruze?

  Okay, do you like the blue oven?

• 16:13George Kamel?

  I wouldn't do the blue oven, but I can understand the appeal of the blue oven as a kind of a, you know, what's it called? A nod.

• 16:21Rachel Cruze?

  Yes. Just a pop of color.

• 16:23George Kamel?

  Hang homage.

• 16:24Rachel Cruze?

  A little pop of color.

• 16:25George Kamel?

  Yeah.

• 16:26Rachel Cruze?

  Okay.

• 16:26George Kamel?

  To like the vintage world.

• 16:28Rachel Cruze?

  Yes, yes.

• 16:28George Kamel?

  But I do, I would, it's a space that is very inviting. Like, I want to hang out in that kitchen.

• 16:32Rachel Cruze?

  I know.

• 16:32George Kamel?

  And I love a skylight. You, I kind of forgot you can do a skylight.

• 16:36Rachel Cruze?

  Skylights, that, that was like 90s, right? Wasn't that like a big thing in the 90s? You'd have like a big skylight in the...

• 16:41George Kamel?

  I don't know why we got away from them.

• 16:42Rachel Cruze?

  Where, yeah, put a, put a window in the roof.

• 16:44George Kamel?

  Is it expensive? Is it, uh, like a danger thing, you know?

• 16:47Rachel Cruze?

  I don't know, a window in the roof.

• 16:49George Kamel?

  Who would've thunk it?

• 16:50Rachel Cruze?

  Why, why not more?

• 16:51George Kamel?

  The sun's up there, guys. You'll have to hope that it comes around the sides. That's pretty good.

• 16:56Rachel Cruze?

  So true.

• 16:57George Kamel?

  I like that.

• 16:57Rachel Cruze?

  It's so true, I like it, okay.

• 16:59George Kamel?

  Should we build a house for the Smart Money Happy Hour crew to hang in?

• 17:02Rachel Cruze?

  Yes, that should be our motivation.

• 17:04George Kamel?

  Like a Smart Money Happy Hour clubhouse with like a little speakeasy bar.

• 17:07Rachel Cruze?

  Oh, that's fun.

• 17:08George Kamel?

  Maybe one of those like faux bookshelves that opens, that's my dream.

• 17:11Rachel Cruze?

  Mm-hmm.

• 17:12George Kamel?

  In a future home one day.

• 17:14Rachel Cruze?

  Just a little Smart Money Happy Hour nook.

• 17:16George Kamel?

  And a cozy nook.

• 17:17Rachel Cruze?

  And you can invite people over and they're gonna say yes, because of the vibes.

• 17:20George Kamel?

  Come for the vibes.

• 17:21Rachel Cruze?

  Come for the vibes.

• 17:21George Kamel?

  Stay for the cocktails. That's my tagline.

• 17:24Rachel Cruze?

  All right, next, uh, a little John Stamos. A little Uncle Jesse, remember Uncle Jay? Uncle Jesse? Uh, he's in the, he's in Beverly Hills.

• 17:33George Kamel?

  5.8 million dollar, that feels reasonable for Uncle Jesse.

• 17:36Rachel Cruze?

  5.8 mil.

• 17:37George Kamel?

  Guy's probably worth a hundred million dollars.

• 17:41Rachel Cruze?

  Really?

• 17:44George Kamel?

  You would hope, it was one of the greatest TV shows of all time, and he went on to do other things.

• 17:48Rachel Cruze?

  I guess so.

• 17:49George Kamel?

  He was the fifth Beach Boy, famously.

• 17:51Rachel Cruze?

  No, he wasn't, was he?

• 17:53George Kamel?

  Google it.

• 17:54Speaker 08

  25 million.

• 17:55Rachel Cruze?

  He's worth 25, a quarter, a quarter of...

• 17:57George Kamel?

  I'm not, so trustingcelebritynetworth.com. Okay?

• 18:02Rachel Cruze?

  They don't have it all. John, we're gonna, we're gonna say a hundred million for you.

• 18:05George Kamel?

  You, you don't buy a 6 million dollar home when your entire net worth is 20, 25. I don't buy that. This is one of his many domiciles.

• 18:12Rachel Cruze?

  George, you are a financial expert, though. What you would do and what other people would do, two different things.

• 18:19Speaker 09

  Welcome, everybody. Oh, look at this. This is how I found out he was a boy. We had a box, and there was a pink Have Mercy and a blue Have Mercy. And the blue one was on top. And that's...

• 18:29Rachel Cruze?

  You have to take your shirt off.

• 18:30Speaker 09

  I should have learned. The kids will always upstage you. Where's Mom?

• 18:34Speaker 10

  OK, I'll tell you, but they want you to talk about the house, by the way.

• 18:37Speaker 09

  Are you directing this? I'm just curious. Well, I would say this is my first adult home. This is the first house that I really feel that it's just, it's me. It's an adult version of me. I wanted a house that I could put my feet upon, have people over.

• 18:51Rachel Cruze?

  Yeah, Uncle Jesse.

• 18:52Speaker 09

  I mean, this couch has been here 13 years. Don't ask any questions of it. But everything is just, you know, sturdy and funky and cool.

• 18:59Rachel Cruze?

  Yeah.

• 19:00Speaker 09

  Like me. I don't know a lot about decorating. I had this friend of mine who worked on Full House. She was an assistant to the director. And then she became a very famous designer. I was like, Chris, could you help me do this? And since she knew me so well, I had her... Chris, she's here, too. I remember when you did everything, and I walked in her, I just started to cry.

• 19:19Speaker 10

  I love it when people cry.

• 19:21Speaker 09

  But it was, it just felt like me.

• 19:22Rachel Cruze?

  It was beautiful.

• 19:23Speaker 09

  It felt like home. I felt safe. You know, it felt like a safe, warm environment. And I just love it.

• 19:28Speaker 10

  I'm glad.

• 19:29Rachel Cruze?

  So good.

• 19:30George Kamel?

  I like this. He's got kind of this rustic funk.

• 19:34Rachel Cruze?

  Well, he had his first, he's had his first adult home, is what it felt like, at 56. So millennials.

• 19:39George Kamel?

  It's pretty wild.

• 19:39Rachel Cruze?

  You've got time.

• 19:40George Kamel?

  Yeah, Uncle Jesse can wait, you can wait.

• 19:43Rachel Cruze?

  If he can have delayed gratification, so can you out there.

• 19:46George Kamel?

  And I love the nod to his career with the little Have Mercy onesie, his iconic phrase.

• 19:51Rachel Cruze?

  Yes.

• 19:52George Kamel?

  He seems like a good family man. He's aged very well, I might add.

• 19:55Rachel Cruze?

  Yes, he's still very handsome.

• 19:56George Kamel?

  John Stamos is doing for skincare, but drop it, King.

• 19:59Rachel Cruze?

  And his hair. You think he got hair transplant?

• 20:01George Kamel?

  Yeah, great hair.

• 20:02Rachel Cruze?

  Great hair.

• 20:02George Kamel?

  I don't know, it seems like his hair was always his thing.

• 20:04Rachel Cruze?

  Yeah, he always had good hair.

• 20:06George Kamel?

  Just good genetics. I think it's the Greek.

• 20:07Rachel Cruze?

  Don't touch the hair. I remember that was one of his things in Full House.

• 20:09George Kamel?

  Oh, that's right.

• 20:10Rachel Cruze?

  Don't touch the hair.

• 20:12George Kamel?

  That's really good.

• 20:12Rachel Cruze?

  Well done, John Stamos. OK, up next, our girl, Hilary Duff.

• 20:17George Kamel?

  Was she on your celebrity prayer list?

• 20:19Rachel Cruze?

  No, Hilary never has been, even though she had a little mob drama. Did you hear about that whole thing?

• 20:23George Kamel?

  No. Do you need to fill us in?

• 20:25Rachel Cruze?

  You know, she's not talking to her sister either, so maybe I should add her for her and her sister's relationship. It just doesn't feel as urgent to me as getting Brittany, you know, off the stuff. You know, that's what we're really hoping for.

• 20:36George Kamel?

  Hilary seems like to have made a great comeback, so...

• 20:38Rachel Cruze?

  Yeah, Hilary's doing good.

• 20:39George Kamel?

  We're not as worried about Hilary.

• 20:40Rachel Cruze?

  I think she's like going on tour again. Oh, with the pink pillows.

• 20:44Speaker 11

  So I bought this house about eight years ago when I was pregnant with my son. And it looked a lot different. I've actually remodeled it twice because I have a small addiction.

• 20:58Speaker 11

  Luca.

• 21:01Speaker 11

  Do you want to come down here with me? We're gonna go into your room next. Maybe you can do the tour. There's donuts in the kitchen.

• 21:09Speaker 11

  Good talk. So one of my favorite pieces of furniture in my house is this credenza. I think it's from the 50s and it reminds me of a corset. One of the first big purchases I ever made in my life. I think I was 18 or 19 and I thought about it for days and days and days. And then my mom always likes to point out that I have completely destroyed it by like coming in the house and setting my coffee down or my water.

• 21:33Rachel Cruze?

  Oh, no.

• 21:34Speaker 11

  And it definitely.

• 21:35Rachel Cruze?

  Do you have those memories?

• 21:36Speaker 11

  Gets pretty beat up in this household. But we, we live in this house and we're hard on this house.

• 21:41Rachel Cruze?

  Good for you.

• 21:42Speaker 11

  And I think that's what makes it feel like such a home.

• 21:44George Kamel?

  That's a nice vibe.

• 21:45Rachel Cruze?

  You know what? And you know what I love? She said, we, we're gonna live in the house. We're gonna live in it.

• 21:49George Kamel?

  It's not made to be an art piece.

• 21:51Rachel Cruze?

  No.

• 21:52George Kamel?

  We're gonna use it.

• 21:52Rachel Cruze?

  Enjoy it. Enjoy your stuff. Enjoy it.

• 21:55George Kamel?

  Especially with kids and dogs. Like I realized that it's all out the window. When you got little kids and dogs, what were you thinking?

• 22:01Rachel Cruze?

  Hundred percent.

• 22:02George Kamel?

  Assuming that furniture would never get damaged.

• 22:04Rachel Cruze?

  Yes, so yeah, buy something that's not gonna make you.

• 22:09Rachel Cruze?

  All the time like, oh, gosh, oh, gosh, oh, gosh, oh, gosh, you know? Enjoy your stuff. So buy at the price point that's not gonna like make you collapse if something spills. And same with the cars too, like enjoy your cars, right? Like some people like they buy something like, oh, my gosh, no one can do anything in it.

• 22:24George Kamel?

  Drive it three times a year. I'm like, why'd you buy it?

• 22:26Rachel Cruze?

  I know. So you're like, enjoy your stuff.

• 22:28George Kamel?

  Way to go, Hillary. I like, and I do like seeing the kids and the dogs. It humanizes celebrities in a really nice way.

• 22:34Rachel Cruze?

  Yes.

• 22:34George Kamel?

  You forget that like, oh, she's a mom.

• 22:36Rachel Cruze?

  They're just like us.

• 22:37George Kamel?

  To like an eight year old kid. You know what I mean?

• 22:39Rachel Cruze?

  Who like, well, like basically ignores, ignores her and that's like.

• 22:42George Kamel?

  I think, I don't have a study on this, but I think celebrities that have children are more grounded and probably have better lives.

• 22:49Rachel Cruze?

  Oh, wow. Cause it takes them out of like, it's all about them all the time, especially on the celeb aspect.

• 22:54George Kamel?

  It forces you to be selfless.

• 22:57Rachel Cruze?

  Cause you're already living in a world that's catered to you.

• 22:58George Kamel?

  Yeah.

• 22:59Rachel Cruze?

  And then if you have little humans in your life that are like, we don't care who you are.

• 23:03George Kamel?

  Yes. You still gotta change the diaper and pick up the dog poop. And you're like, okay, this is it. There's Cheerios on the floor.

• 23:09Rachel Cruze?

  Yeah, yeah, yeah.

• 23:10George Kamel?

  That's, that's what makes them relatable.

• 23:11Rachel Cruze?

  I hear you. I hear you.

• 23:13George Kamel?

  So I like that. And I think she has good taste.

• 23:15Rachel Cruze?

  Okay, up next is Amanda Seyfried, actress. And, ooh, I cannot, okay, this is a New York.

• 23:22George Kamel?

  It's a peaceful New York home.

• 23:24Rachel Cruze?

  My gosh, I love this.

• 23:25Speaker 08

  So this kitchen is open, very airy, very light. Honestly, I don't know what this is.

• 23:34Rachel Cruze?

  It's a pot filler.

• 23:35George Kamel?

  It's a pot filler.

• 23:36Speaker 08

  But my husband wanted it. Never used it, but it looks stunning in a kitchen.

• 23:41George Kamel?

  It's mostly for aesthetic, let's be honest.

• 23:43Speaker 08

  Makes it seem like it's a gourmet kitchen. Is it a gourmet kitchen? One day, but it isn't right now because I'll tell you who hasn't cooked here yet.

• 23:50Rachel Cruze?

  Oh.

• 23:50Speaker 08

  My husband.

• 23:52George Kamel?

  Oh, shots fired.

• 23:53Rachel Cruze?

  Wait.

• 23:55Speaker 08

  Like most New York City apartments.

• 23:57Rachel Cruze?

  Oh, this is an apartment.

• 23:58Speaker 08

  We have this amazing feature, which we couldn't get rid of even if we wanted to. And I don't know if you're interested, but I can do my own wash in my apartment, which is a luxury for you New Yorkers. You know that.

• 24:13Rachel Cruze?

  Yes.

• 24:13Speaker 08

  That's the powder room. It's tiny. It's got a pocket door because that's practical.

• 24:17Rachel Cruze?

  Wow.

• 24:18Speaker 08

  It was Sarah's idea. I was like, do we need a powder room? And she said, yeah, we do. So I'm gonna, no, I don't have to go.

• 24:23Rachel Cruze?

  Man, that just, isn't that funny how it, the, um, the ratios change from like a house

• 24:30George Kamel?

  Oh, to an apartment.

• 24:31Rachel Cruze?

  To a New York apartment, right? You're like, oh my gosh. So different.

• 24:35George Kamel?

  It's not a gigantic laundry room. It's just a little closet door.

• 24:38Rachel Cruze?

  Yeah, you get a little closet, little New York place.

• 24:41George Kamel?

  Man, that's impressive.

• 24:43Rachel Cruze?

  I love that she said, um, yeah, I don't even know what this is.

• 24:47George Kamel?

  But my husband wanted it.

• 24:49Rachel Cruze?

  Uh huh.

• 24:49George Kamel?

  Let him have a win.

• 24:50Rachel Cruze?

  Did you have one of those things? Was there a thing Whitney wanted that you're like?

• 24:53George Kamel?

  Uh, most of the things were things Whitney wanted. And I was like, okay. We did get a pot filler. That was something I fought for.

• 24:59Rachel Cruze?

  Yes. We use ours a lot.

• 25:01George Kamel?

  I think it just sort of fills out the back wall a little bit.

• 25:04Rachel Cruze?

  Yeah. Do y'all use it though?

• 25:05George Kamel?

  Um, I have used it maybe once.

• 25:07Rachel Cruze?

  No way.

• 25:08George Kamel?

  To be honest, I don't fill a lot of pots.

• 25:09Rachel Cruze?

  You're not boiling water for like macaroni and cheese and stuff?

• 25:12George Kamel?

  Yeah.

• 25:14Rachel Cruze?

  We just take it to the sink.

• 25:15George Kamel?

  Yeah, the sink's right there. I think I forget that it exists, honestly.

• 25:19Rachel Cruze?

  I feel like I'm boiling water all the time.

• 25:20George Kamel?

  You're always boiling, because there's always mac and cheese, something that needs to be.

• 25:23Rachel Cruze?

  Spaghetti, Alfredo. Yeah, yeah, I feel like we're always.

• 25:26George Kamel?

  A lot of pasta in your house.

• 25:27Rachel Cruze?

  I know.

• 25:28George Kamel?

  It sounds delicious. I'm jealous.

• 25:30Rachel Cruze?

  Winston's on keto right now, and so not much for him, but.

• 25:33George Kamel?

  What is he eating? Hopes and prayers?

• 25:36Rachel Cruze?

  Vegetables and chicken.

• 25:37George Kamel?

  A gust of wind, a bowl of ice?

• 25:39Rachel Cruze?

  Because he's got AlphaCal too, so he can't do any meat. It's a lot of chicken and a lot of vegetables.

• 25:44George Kamel?

  I gotta get him a good chicken recipe.

• 25:46Rachel Cruze?

  It's a very boring guy that he's on, but proud of him. It's very, uh, very disciplined, very disciplined.

• 25:53George Kamel?

  I do like this home, though. It has like nice pops of color with the books and the flowers.

• 25:58Rachel Cruze?

  Yes.

• 25:58George Kamel?

  It's not trying to do too much.

• 26:00Rachel Cruze?

  Yeah, it's just enough.

• 26:01George Kamel?

  And I like that it really is cozy because it's a New York apartment.

• 26:04Rachel Cruze?

  Yeah.

• 26:04George Kamel?

  And sometimes you miss coziness in these expansive homes that almost feel cold and empty and sad.

• 26:09Rachel Cruze?

  Hundred percent, a hundred percent.

• 26:11George Kamel?

  Love that. That was nice. I enjoyed that.

• 26:13Rachel Cruze?

  Yes.

• 26:13George Kamel?

  That was fun, Rachel. I don't know what it is, but it kind of humanizes them to see them outside of a normal environment, like a media interview or a movie. You go, oh, there's a real person, real life, real kids, real dogs. I enjoyed that.

• 26:24Rachel Cruze?

  We love a little glimpse into people's homes.

• 26:26George Kamel?

  Yeah.

• 26:26Rachel Cruze?

  You know what else I love, George?

• 26:27George Kamel?

  What's that?

• 26:28Rachel Cruze?

  Fair winds credit union.

• 26:29George Kamel?

  What's not to love?

• 26:30Rachel Cruze?

  I know. So when you are out shopping and you gotta swipe a debit card, I take my Fair Winds out and it says, debt is normal, be weird. And it is one of my favorites because I did the smart bundle.

• 26:42George Kamel?

  Yep.

• 26:42Rachel Cruze?

  Where you sign up and you get a checking account and you get a high yield savings account. And you can have up to 10 of those accounts.

• 26:49George Kamel?

  For all of your sinking funds.

• 26:50Rachel Cruze?

  For all of the savings accounts.

• 26:51George Kamel?

  Things you're saving for, vacations, a car.

• 26:53Rachel Cruze?

  It's amazing. So Fair Winds, they have great rates. They're just amazing. They really are, especially in the high yield savings genre. They have a great savings interest rate. So.

• 27:03George Kamel?

  Yeah.

• 27:04Rachel Cruze?

  We love everything about them, even their app.

• 27:06George Kamel?

  Oh, yeah.

• 27:07Rachel Cruze?

  It's so user friendly, you guys. Like, it is to transfer money back and forth, like whatever you have to do, they make it so simple.

• 27:14George Kamel?

  Look what I did, Rachel. I added my Fair Winds debit card to Apple Pay.

• 27:18Rachel Cruze?

  Yes.

• 27:19George Kamel?

  In just mere seconds, you hold the card on the back of the phone.

• 27:21Rachel Cruze?

  Yeah, yeah, yeah.

• 27:21George Kamel?

  Boom, it's there. And it's the same exact graphic that's on the card. So now.

• 27:26Rachel Cruze?

  I love it.

• 27:27George Kamel?

  Even if I'm walletless, I can still pay with my Fair Winds debit card. That's what's up. So go check it out. Go to fairwinds.org/Ramsey to open your smart bundle today.

• 27:36Rachel Cruze?

  All right, let's do a little rapid fire real estate Q and A, George.

• 27:39George Kamel?

  Okay.

• 27:39Rachel Cruze?

  Uh, when it comes to still the celebs, this'll be fun. Ready? Which billionaire still lives in Omaha, Nebraska?

• 27:47George Kamel?

  Warren.

• 27:47Rachel Cruze?

  At the home he bought in 1958?

• 27:49George Kamel?

  Warren Buffett.

• 27:50Rachel Cruze?

  Warren Buffett.

• 27:51George Kamel?

  Legend.

• 27:51Rachel Cruze?

  One of, I think he's a, what, like the second richest guy in the world, or third or something?

• 27:55George Kamel?

  Sure, who knows now, these days?

• 27:57Rachel Cruze?

  Crazy.

• 27:57George Kamel?

  But as of early 2026, he's worth just under $149 billion. And he paid just $31,500 for his home.

• 28:05Rachel Cruze?

  He's still in.

• 28:05George Kamel?

  That he still lives in.

• 28:06Rachel Cruze?

  Isn't that great?

• 28:07George Kamel?

  He truly is. Like, he goes to like McDonald's and just drinks like Dr. Peppers. Like, he's a true, like, old guy who just doesn't give a rip.

• 28:13Rachel Cruze?

  And he just doesn't need it. He's like, I'm good.

• 28:15George Kamel?

  Who's he trying to impress?

• 28:16Rachel Cruze?

  I'm good.

• 28:17George Kamel?

  All right, next up, which Grammy awarded musician recorded her debut album in her childhood 1,208 square foot home?

• 28:25Rachel Cruze?

  Well, we know it's not JoJo.

• 28:27George Kamel?

  Uh, just a little too late on that.

• 28:28Rachel Cruze?

  I'm gonna say Adele?

• 28:30George Kamel?

  False. Billie Eilish.

• 28:32Rachel Cruze?

  Uh-oh.

• 28:33George Kamel?

  Wouldn't have guessed that, honestly.

• 28:34Rachel Cruze?

  That's some fun trivia.

• 28:34George Kamel?

  Her parents still live there as of 2024. I know she's a, she loves her family, because she does everything with her brother.

• 28:40Rachel Cruze?

  Yes.

• 28:40George Kamel?

  Like, he's a big part of her, uh, music career.

• 28:42Rachel Cruze?

  Okay, George, there's four celebrity couples. Which of these did not lose their homes?

• 28:47George Kamel?

  It's sad that that many lost it, that we're just going, who didn't?

• 28:50Rachel Cruze?

  Wildfires, I know. Heidi and Spencer Pratt, Chris Kardashian, Corey Gamble, Mandy Moore, and Taylor Goldsmith, or Adam Brody and Leighton Meester.

• 29:02George Kamel?

  Okay, I know, I think I heard about Heidi and Spencer.

• 29:05Rachel Cruze?

  Yep.

• 29:05George Kamel?

  Big fan of Mandy and Taylor.

• 29:07Rachel Cruze?

  Yes.

• 29:07George Kamel?

  Because of Taylor's music career. Uh, and I do remember Adam Brody talking about this, so it's gotta be Chris.

• 29:12Rachel Cruze?

  Yeah, Chris made it out. The house made it out.

• 29:15George Kamel?

  Unscathed. Did she hire one of those, like, private firefighting companies?

• 29:18Rachel Cruze?

  You know, probably.

• 29:20George Kamel?

  I heard that was a thing.

• 29:21Rachel Cruze?

  Who's not to, you know, as long, well, I guess that is a little, is that a little sketchy, because they ran out of water?

• 29:26George Kamel?

  Yeah, there was a moral sort of thing that people were upset about.

• 29:30Rachel Cruze?

  Yes.

• 29:30George Kamel?

  But, you know, what wouldn't you do to save your home?

• 29:32Rachel Cruze?

  You got it. I don't know, yeah.

• 29:34George Kamel?

  All right. Next up, Taylor Swift's real estate portfolio is valued at approximately $123 million, including a historic Rhode Island coastal home, a Tribeca townhouse, and a Beverly Hills mansion. Which are you choosing as an Airbnb? No right or wrong here.

• 29:49Rachel Cruze?

  Oh.

• 29:51Rachel Cruze?

  Probably the New York.

• 29:53George Kamel?

  Yeah, you're a New York gal.

• 29:54Rachel Cruze?

  She bought like a buil- like a full building, like that one we saw.

• 29:58George Kamel?

  Oh, yeah.

• 29:59Rachel Cruze?

  Yes, of, who was it that had a little washer and dryer? Oh, oh, Amanda. Like, no, no, no. Taylor's is like a mansion in the middle of New York City.

• 30:07George Kamel?

  Yeah.

• 30:07Rachel Cruze?

  Basically. So I'm going there.

• 30:10George Kamel?

  I'm going, I'm gonna summer at the Rhode Island Coastal Home.

• 30:13Rachel Cruze?

  We don't get to choose all three yet, but.

• 30:14George Kamel?

  But I'm doing fall at the Tribeca Townhouse. Then winter, I'm going to Beverly Hills. Final answer.

• 30:19Rachel Cruze?

  Great, George. I love that.

• 30:20George Kamel?

  That's why you have multiple homes.

• 30:21Rachel Cruze?

  Yes.

• 30:22George Kamel?

  But no, I do think the Tribeca Townhouse, I like something a little cozier. What am I gonna do with a giant mansion?

• 30:26Rachel Cruze?

  Yeah.

• 30:27George Kamel?

  With no friends? Who am I gonna call?

• 30:29Rachel Cruze?

  George, we'll hang out with you.

• 30:30George Kamel?

  Thank you.

• 30:31Rachel Cruze?

  We will. Okay, which Star Wars legend has a house named Skywalker Ranch, complete with a man-made lake called Lake Ewok?

• 30:42George Kamel?

  Yeah, you nailed it.

• 30:43Rachel Cruze?

  I, I could barely get through this, y'all. This is the craziest thing I've ever heard.

• 30:46George Kamel?

  That was a lot for you.

• 30:47Rachel Cruze?

  Uh, is it Mark Hamill, who played Luke, Harrison Ford, who played Han Solo, Carrie Fisher, who played Princess Leia, or George Lucas, the director?

• 30:57George Kamel?

  Well, I mean, if you're Han Solo, you're not gonna make Skywalker Ranch. And I doubt Carrie Fisher. That feels like a dude thing. I'm gonna go with the director.

• 31:04Rachel Cruze?

  Yeah, it's George, George Lucas.

• 31:06George Kamel?

  Wow. I guess if you're like the, the George Lucas.

• 31:10Rachel Cruze?

  I guess if you made Star Wars, you get to do what you want.

• 31:12George Kamel?

  I mean, wouldn't you have like a Ramsey Ranch or something?

• 31:15Rachel Cruze?

  Nope.

• 31:15George Kamel?

  Not for you.

• 31:16Rachel Cruze?

  Don't think I would.

• 31:17George Kamel?

  Not even in like an influencery way?

• 31:20Rachel Cruze?

  Nope.

• 31:21George Kamel?

  Okay.

• 31:22Rachel Cruze?

  Don't think I would.

• 31:22George Kamel?

  Imagine Winston out there on the ranch.

• 31:24Rachel Cruze?

  That's a dude thing. Dave would.

• 31:26George Kamel?

  Well, of course, Dave would.

• 31:27Rachel Cruze?

  Well, that's why I'm, I think he could, like, the creators.

• 31:30George Kamel?

  Have a TV show with Winston where it's like you guys living on a bougie ranch?

• 31:34Rachel Cruze?

  No.

• 31:37George Kamel?

  Do I have to dream up everything for you?

• 31:38Rachel Cruze?

  We're not that cool, George. We are not that cool. Okay, the last one. What's one thing in your current home that teenage you would freak out over?

• 31:45George Kamel?

  Oh, man.

• 31:46Rachel Cruze?

  Mine would be the pool. Rachel, I loved the pool. Give me a high school, yeah. Rachel and high school, we always went to the friend with the pool.

• 31:54George Kamel?

  Well, it's the most fun thing in your house to do.

• 31:56Rachel Cruze?

  For sure, yeah. What about you?

• 31:58George Kamel?

  You know, for some reason, when I got the speakers built into the ceiling in the living room, I was like, this is it.

• 32:05Rachel Cruze?

  It's like a childhood thing.

• 32:06George Kamel?

  Yeah.

• 32:06Rachel Cruze?

  Yeah, yeah.

• 32:07George Kamel?

  Because I think growing up, if there were speakers in the ceiling, I was like, you are a billionaire.

• 32:11Rachel Cruze?

  Yeah.

• 32:12George Kamel?

  And when I found out you can just pay for that, I was like, absolutely.

• 32:15Rachel Cruze?

  Yes, that's a good one. This sounds so strong. Yes, that's good.

• 32:19George Kamel?

  That's right.

• 32:19Rachel Cruze?

  I love it. Well, I'm glad that you are protecting that inner child of you, George. You're really speaking to him. I know. But you know what else you have to look out for as adult George? And protect him, especially online.

• 32:31George Kamel?

  Oof.

• 32:32Rachel Cruze?

  And that's where Delete Me comes in. Because Delete Me comes in and removes your information from all these data broker sites. And you guys, this is information that you don't even know is out on the internet. Like, your old home addresses are out there, cell phone numbers, email addresses, your kids' names, your parents' names, your aunt and uncle's names, like, everything that is attached to you. They create this whole profile of you, and then they sell all your information to these companies. And then that puts you at risk for scams and fraud and phishing and all of this. And we don't want that.

• 33:01George Kamel?

  I had that happen, and they use an old address I didn't even live at to commit the fraud.

• 33:06Rachel Cruze?

  Oh, my gosh.

• 33:07George Kamel?

  Yes. So I'm very glad to know that in today's world, I don't have to worry about that. Thanks to Delete Me, they scour the internet for me, remove it from these sites, send me a report. It's so incredible, and it's worth it if you're, especially if you're married, have a family, you gotta have this. So go to joindelete.me/smartmoney, and you'll get 20% off their annual plans.

• 33:25Rachel Cruze?

  Okay, a little hot take, George. You know, if you're a homeowner today at any level, you're doing really well. You're doing great. I mean, seriously, like, that is a dream for a lot of people. So if you're feeling a little average because of all these celeb videos.

• 33:38George Kamel?

  Like, I don't own that home.

• 33:40Rachel Cruze?

  Yeah, or like, my kitchen doesn't look like that, or whatever. Homeownership in today's world, like, good for you.

• 33:45George Kamel?

  It's already a win.

• 33:46Rachel Cruze?

  You're doing great.

• 33:46George Kamel?

  You're doing better than most of the world if you own a home.

• 33:49Rachel Cruze?

  100%.

• 33:50George Kamel?

  Because most of the world doesn't. It's a very American thing to be so focused and gung ho on

• 33:54Rachel Cruze?

  Yes.

• 33:54George Kamel?

  homeownership. So, just know that if you own one, be grateful. If you don't own one, it's not too late.

• 34:01Rachel Cruze?

  No, no, absolutely.

• 34:02George Kamel?

  You've still got plenty of time. You could be like old John Stamos at 56, getting his first adult home.

• 34:07Rachel Cruze?

  That's right. So yeah, so remember, you want to be out of debt and have a fully funded emergency fund and have at least 5% to put down on a down payment. And your mortgage payment should be no more than 25% of your take home pay on a 15-year fixed rate mortgage. It's kind of the parameters of it.

• 34:22George Kamel?

  Yep, that's the advice.

• 34:22Rachel Cruze?

  Yeah, and then once you get it, though, I think there is something about the contentment piece that's big because we compare so much of our lives, right, from like, your job versus someone else's job.

• 34:31George Kamel?

  Or what your parents owned versus what you have.

• 34:33Rachel Cruze?

  Yeah, all of it. And I just, yeah, there's something about putting the blinders on, especially with homes, that it's good.

• 34:40George Kamel?

  Yeah.

• 34:40Rachel Cruze?

  You know what I mean? Like, you're doing it. And you can upgrade later. You can do some renovations. Like, you can always do something different, but the gratitude in the present is really big because you're always gonna be chasing the next thing, right? Even if you build a house.

• 34:54George Kamel?

  There's always another thing you can do.

• 34:55Rachel Cruze?

  Yes, there's always like the regret of something here, whatever, right? So like, just enjoying where you're at, I think is really important.

• 35:01George Kamel?

  And homes are the most visible form of wealth you can own. And so it's just the easiest thing to compare. And you don't know the details of their life. You don't know what's going on inside the home.

• 35:10Rachel Cruze?

  That's right.

• 35:11George Kamel?

  The stress, the chaos. Do they have a HELOC and things are tight? Maybe it's paid off and they're living a great life. Either way, what good does it do you to spend all of your energy on that?

• 35:21Rachel Cruze?

  Yeah, so the comparison game, we'll end it here together, y'all. Let's practice that.

• 35:26George Kamel?

  It's done after this episode.

• 35:27Rachel Cruze?

  Especially on the homes.

• 35:28George Kamel?

  And if you're thinking, you're one of those people who's like, must be nice. Well, listen, there are things that you can do to reach your homeownership goals. And I would start with Ramsey's Real Estate Hub. Tons of resources on there to help you do it right. We'll drop a link in the description.

• 35:40Rachel Cruze?

  All right, before we spill the tea on our guiltiest charge segments, um, who finished it first? I'm gonna say me.

• 35:46George Kamel?

  Yeah, you were thirstier.

• 35:47Rachel Cruze?

  I was.

• 35:48George Kamel?

  Which I noted before we started filming that I've never seen you drink water.

• 35:53George Kamel?

  Have you?

• 35:55Rachel Cruze?

  I don't carry around like a water jug.

• 35:57George Kamel?

  I've seen you drink coffee.

• 35:57Rachel Cruze?

  I drink a lot of coffee and a lot of tea, which I think both those things dehydrate you, but.

• 36:03Rachel Cruze?

  No, I will, I try to chug.

• 36:04George Kamel?

  You've never complained, though.

• 36:05Rachel Cruze?

  I try to chug like two bottles of water a day. Which should be, what, maybe?

• 36:12George Kamel?

  Thirty-two ounces?

• 36:13Rachel Cruze?

  Thirty-two, yeah. And you're supposed to drink, what, half your body weight?

• 36:17George Kamel?

  Half your body weight is what I've heard. I don't think that's true. I think it was debunked by Mythbusters or whoever, or Adam Ruins Everything, and he was like, "When you're thirsty, drink water."

• 36:26Rachel Cruze?

  Oh, well, there you go.

• 36:27George Kamel?

  And it's like, your body will tell you.

• 36:28Rachel Cruze?

  Yes.

• 36:29George Kamel?

  When you need to be hydrated.

• 36:30Rachel Cruze?

  Okay, that's good to know.

• 36:32George Kamel?

  So, don't focus on, if I didn't drink sixty-four ounces, first of all, like, unless you have a catheter in all day, there's just too many bathroom trips.

• 36:40Rachel Cruze?

  It is funny. Have you seen the memes about the wife who's like, you complain that you have a headache or that you have to sneeze or something, and your husband's always like, "You should just drink more water."

• 36:48George Kamel?

  Every time I complain about anything, she's like, "Have you had water today?"

• 36:52Rachel Cruze?

  "Have you drank water?" I know, I love it.

• 36:54George Kamel?

  I can be like, "Man, this weather's bumming me out. Yeah, have you had water today?"

• 36:57Rachel Cruze?

  "Did you get some water?"

• 36:58George Kamel?

  It solves all problems.

• 36:59Rachel Cruze?

  Okay, what am I, I'm gonna rate this, um. I'm going six and a half out of ten.

• 37:05George Kamel?

  Okay.

• 37:06Rachel Cruze?

  Because here's my thing, I probably wouldn't order it at a restaurant, but if someone served it to me, I'd drink it.

• 37:11George Kamel?

  Sure. That's a, that's a good low bar.

• 37:13Rachel Cruze?

  How's that feel?

• 37:13George Kamel?

  I'm going, I'm going four out of ten.

• 37:15Rachel Cruze?

  Mm-hmm.

• 37:16George Kamel?

  And that's, that's lowest, that's one of the lower ratings I've given. It's really not bad at all, but it just did nothing for me. It's not punchy enough, it didn't have enough.

• 37:24Rachel Cruze?

  It's almost a little bland.

• 37:25George Kamel?

  Sour, it wasn't sweet enough, yeah, it's a little bland.

• 37:28Rachel Cruze?

  Yeah, I could see that.

• 37:29George Kamel?

  Um, but I'll tell you what's in it. It's got vodka, blue curicil, cranberry juice, and pineapple juice.

• 37:36Rachel Cruze?

  Oh, all those make sense.

• 37:39George Kamel?

  Yeah.

• 37:39Rachel Cruze?

  The pineapple gives a aftertaste a little bit.

• 37:42George Kamel?

  Yes.

• 37:42Rachel Cruze?

  You're getting a little aftertaste?

• 37:43George Kamel?

  But I think it's because it's vodka, which isn't my favorite because it just disappears into the drink, so it just felt like I was drinking juice. I need something that stands up on its own.

• 37:51Rachel Cruze?

  Oh, I didn't know that about you.

• 37:53George Kamel?

  And that's what like a gin, tequila, bourbon does for me.

• 37:55Rachel Cruze?

  Yeah, yeah, yeah, you can be very specific.

• 37:57George Kamel?

  But hey, it's cheap. If you want to go try it at home, it's a dollar fifty to make a serving. It's called the Purple Rain. Get the recipe in the show notes. Give it a try this weekend if you are of age.

• 38:06Rachel Cruze?

  All right, now it's time for Guilty as Charged. And this is where we ask each other our guilty as charged question every week, and if we're guilty, we take a sip. All right, George, question. Are you guilty of throwing money at a problem? And if so, did it work?

• 38:22George Kamel?

  I mean, yeah, isn't that what problems are for? Most can be solved with money.

• 38:26Rachel Cruze?

  It's so true.

• 38:27George Kamel?

  The one that comes to mind that like is still a problem that I'm still throwing money at is my dog.

• 38:32Rachel Cruze?

  Man, the dog saga.

• 38:33George Kamel?

  I know. My Frenchy Blue and his I V D D, his spinal surgery we got him, and then there's rehab. He goes to acupuncture. He does the underwater treadmill therapy, the hydrotherapy, the medications that he's on, the wellness checks.

• 38:48Rachel Cruze?

  George, you're keeping your vet in business.

• 38:50George Kamel?

  And now we gotta figure out his food and G I. stuff or take him to like a holistic doctor.

• 38:53Rachel Cruze?

  No. George Kamel, I can't.

• 38:56George Kamel?

  It's called sunk cost fallacy.

• 38:58Rachel Cruze?

  I can't.

• 38:59George Kamel?

  We've gone too far and he's good enough that it's like, well, we're not.

• 39:02Rachel Cruze?

  What else are we gonna do?

• 39:03George Kamel?

  Yeah, we just need to try to get him to 100% because he's at like 80. So he can, he can walk, he can kind of run around, his back legs don't bend, but they kind of hop like a bunny on the back, like together, you know what I mean? But that's the new thing, we're trying to get him to bend him in rehab.

• 39:17Rachel Cruze?

  George, this is.

• 39:18George Kamel?

  We have him in a little diaper with suspenders in the house.

• 39:21Rachel Cruze?

  No.

• 39:21George Kamel?

  It's really cute, actually.

• 39:22Rachel Cruze?

  You have added so much stress and so much, how mu- I don't even wanna know. Are you adding it up for fun, just for your own torture?

• 39:28George Kamel?

  I have it because it's too dark. It's too dark, like they would have funded my kid's college twice over, probably.

• 39:34Rachel Cruze?

  Oh, my gosh, George Kamel.

• 39:36George Kamel?

  If I just let that amount ride in an investment account.

• 39:39Rachel Cruze?

  Yep.

• 39:39George Kamel?

  But, you know.

• 39:41Rachel Cruze?

  Do what you gotta do.

• 39:42George Kamel?

  I realize, and I've said this to you, what else am I gonna spend money on other than the people and things that I love?

• 39:48George Kamel?

  Is that a crime?

• 39:48Rachel Cruze?

  So your dog is a thing?

• 39:50George Kamel?

  Some people have luxury items, I have a luxury dog.

• 39:53Rachel Cruze?

  Dog, and that's what it's gonna be, you know?

• 39:55George Kamel?

  Some people build a pool, some people go, I'd rather try to rehab a dog with that money.

• 39:58Rachel Cruze?

  Put some underwater treadmill therapy.

• 40:00George Kamel?

  So how about you?

• 40:01Rachel Cruze?

  I just thought, we went on a trip and we were driving there.

• 40:04George Kamel?

  Pretty selfish.

• 40:05Rachel Cruze?

  Yeah, we were driving there and I had, I'm on a new kick with my clothes when I travel. I keep them all on hangers and I fold this way and like pack it with my hangers. So when I'm somewhere, I go.

• 40:18George Kamel?

  Right in the closet.

• 40:19Rachel Cruze?

  And I just can hang it up.

• 40:20George Kamel?

  It's heavier.

• 40:21Rachel Cruze?

  It's a little heavier, well, I have the really thin velvet hangers.

• 40:23George Kamel?

  Yes, same.

• 40:24Rachel Cruze?

  They're very thin, so it's a great little trick. Well. Rachel forgot to pack the hanging, forgot to pack the hanging clothes.

• 40:32George Kamel?

  All of it?

• 40:32Rachel Cruze?

  All of them.

• 40:33George Kamel?

  Which is all of your clothes?

• 40:34Rachel Cruze?

  Almost all of my clothes when you get to the destination and I like gasp when I open it. I was like, no way, no way y'all. I forgot my.

• 40:40George Kamel?

  What kind of trip was it?

• 40:41Rachel Cruze?

  So I went to, it was like a, no, it was like a, um, like a three nights little trip. It was in Georgia at this place. So, so I went to the nearest Target and just bought all new clothes.

• 40:51George Kamel?

  Just one ham at Target. What's the, what's your favorite brand at Target?

• 40:54Rachel Cruze?

  Oh.

• 40:55George Kamel?

  Brand new day? Are we, are we doing brand new day?

• 40:57Rachel Cruze?

  Are we doing brand new? Good for you, George. Honestly, I don't even know. And they're like a threads or something?

• 41:05George Kamel?

  A new day.

• 41:05Rachel Cruze?

  A new day.

• 41:06George Kamel?

  I knew it had new day in it.

• 41:08Rachel Cruze?

  You know what? I don't even, I'll be honest. I don't even know. I just see what looks cute at Target and I grab it.

• 41:12George Kamel?

  There's really nice stuff there though.

• 41:13Rachel Cruze?

  Those are just great. It's so great.

• 41:15George Kamel?

  Keeping up with the trends.

• 41:15Rachel Cruze?

  Actually, um, someone we work with had on a shirt today and I was like, that is the cutest shirt. She was like, Target. I was like, you may see me in that next week.

• 41:22George Kamel?

  I feel like every woman's toxic trait is having to tell you it's from Target as soon as you compliment it.

• 41:27Rachel Cruze?

  I know because we all.

• 41:28George Kamel?

  You're gonna do it.

• 41:29Rachel Cruze?

  We bond over it because you know, like I can do that too, you know?

• 41:32George Kamel?

  Yes.

• 41:33Rachel Cruze?

  It feels like I could get that.

• 41:34George Kamel?

  I think it's also because they're uncomfortable with the compliment. So it feels like they can deflect.

• 41:38Rachel Cruze?

  Oh, and make it like, yeah, I could see that. I could see that too.

• 41:41George Kamel?

  If it's from anthropology, you're rarely like, oh, it's from Anthro. You know what I mean? That feels like a flex.

• 41:46Rachel Cruze?

  Yeah, yeah, yeah. This is like the humble.

• 41:48George Kamel?

  You're punching up instead of punching down, as we would say in comedy.

• 41:52Rachel Cruze?

  I was saying comedy.

• 41:53George Kamel?

  There you go. We solved it. Well, good for you for getting a new, some new dresses.

• 41:57Rachel Cruze?

  I did. I got a couple new things. So I wasn't too mad about it.

• 42:00George Kamel?

  Oh, nice. Did Winston get to do any shopping?

• 42:03Rachel Cruze?

  One of them was like a plaid shirt that's a little bit not fun anymore. So I was like, eh.

• 42:07George Kamel?

  Out of style.

• 42:07Rachel Cruze?

  Well, just yeah.

• 42:08George Kamel?

  Goodwill it. Or even better, we should do a charity auction with Rachel's old clothing.

• 42:12Rachel Cruze?

  Oh, yeah.

• 42:12George Kamel?

  I think that would be really fun and I want to be part of it. I'll be like the auctioneer on the live stream.

• 42:17Rachel Cruze?

  That would be good.

• 42:18George Kamel?

  We got $20, we got $20, we got $21.

• 42:19Rachel Cruze?

  Everything's like from like Amazon and Loft though. I don't know how much it'll bring.

• 42:22George Kamel?

  It doesn't matter. If Rachel once wore it.

• 42:24Rachel Cruze?

  Oh my gosh. I don't think that's true.

• 42:26George Kamel?

  That's so great.

• 42:27Rachel Cruze?

  Well, make sure to DM us your guilty as charged questions, at Rachel Cruz and at George Kamel, because we get them. We appreciate them. Y'all give some great ideas. And if you love this episode, you're going to love our episode. Answering your top housing questions. We will link it for you. And make sure to subscribe so you don't miss an all new episode of

• 42:44George Kamel?

  Smart Money Happy Hour.