Pod Insights Smart Money Happy Hour with Rachel Cruze and George Kamel Calling Out the Biggest Money Wasters of All Time About this episode 💰 Find extra money in just two weeks with our Money Finder Challenge!
We’ve all fallen for a scheme or two on our worst day, but the important question is: How much of your hard-earned cash is still being snatched by these common money wasters? Stay tuned to find out! Next Steps:
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Today’s Happy Hour Special: 🍹🌼 Gin Daisy
Recipe by: Kristiwithatwist
· 2 ounces gin
· 0.75 ounces orange liqueur
· 0.75 ounces lemon juice
· 0.25 ounces grenadine
· club soda
Instructions: Add gin, orange liqueur, lemon juice, and grenadine to a cocktail shaker filled with ice and shake. Strain into a glass over ice and top with club soda.
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Transcript 10,545 words · 4 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 George Kamel? Today, we're calling out common money wasters we've all fallen for. Are these products worth the hype or just a cash grab? Let's find out.
0:06 Rachel Cruze? If anything, I'm like, you are so obnoxious.
0:09 George Kamel? And that silly joke turned into $6 million for Doll within months.
0:12 Rachel Cruze? You will not win the lottery.
0:21 Rachel Cruze? Hey, guys, I'm Rachel Cruz.
0:23 George Kamel? I'm George Kamel.
0:24 Rachel Cruze? And this is. Smart Money Happy Hour.
0:32 Rachel Cruze? Cheers, George.
0:32 George Kamel? Cheers.
0:37 George Kamel? Take me now, Lord.
0:39 Rachel Cruze? Delish. 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.
0:48 George Kamel? But first, let's talk about what we're sipping on. This is a Gin Daisy.
0:51 Rachel Cruze? A Gin Daisy?
0:52 George Kamel? A really good looking drink. If you're watching on YouTube or Spotify, you will appreciate.
0:56 Rachel Cruze? What a bright, a bright name with a bright drink.
0:59 George Kamel? And a bright future.
1:00 Rachel Cruze? And a bright future for us here for the next hour.
1:02 George Kamel? Stick around, we'll give you the rating and reveal the cost per glass at the end of the episode.
1:07 Rachel Cruze? Love it. Okay, George, what's the easiest, most low effort money you have ever made?
1:14 George Kamel? Oh, wow.
1:15 Rachel Cruze? What was the thing you did and you're like, that took no effort?
1:17 George Kamel? Like, I really shouldn't have made that money.
1:20 Rachel Cruze? Yes.
1:20 George Kamel? It felt like a scam.
1:21 Rachel Cruze? Yeah.
1:22 George Kamel? That I pulled off.
1:23 Rachel Cruze? That you pulled off. Do you have one?
1:25 George Kamel? Well, when I was getting out of debt, I signed up to drive for Uber and Lyft. And they had like just come to Nashville, so it was kind of newer. And they had these bonuses where they would literally pay you $1,000 extra if you did like seven rides. And so I went, yeah, absolutely. So I did the seven rides, boom, $1,000 in my bank account.
1:44 Rachel Cruze? Oh, so like, super quick, yes.
1:46 George Kamel? Yeah, and so then like Lyft came to town or Uber, whatever the other one was. And they said, hey, they basically wanted to poach the other drivers.
1:53 Rachel Cruze? Yeah.
1:54 George Kamel? So Lyft wanted to poach the Uber driver. So they said, hey, we'll pay you $1,000 to switch from Uber to Lyft and drive with us and do rides. And so I did that, I made another $1,000. That's gotta be the easiest money.
2:05 Rachel Cruze? What a cash grab.
2:06 George Kamel? I did have to drive people around on Broadway in Nashville at, you know, 10:00 PM on a Friday night.
2:09 Rachel Cruze? Do you have any horror stories of that?
2:11 George Kamel? There was a few, you know, people want to like come into your car with their alcohol and I know like, it's not illegal, but I wasn't comfortable with it.
2:18 Rachel Cruze? Okay.
2:19 George Kamel? And so there was some incidents where I had to be a little bit.
2:21 Rachel Cruze? Especially on Broadway.
2:22 George Kamel? Yeah, and people, you know, they've been drinking.
2:24 Rachel Cruze? Yeah.
2:25 George Kamel? Which is fine, get in the Uber. That's why we have Uber and Lyft.
2:27 Rachel Cruze? That's why George is driving, to be, to be good for society.
2:31 George Kamel? You know, the bachelorette party show up and they got like six people and I have like my little Chevy Cobalt, which fits maybe four on a good day.
2:38 Rachel Cruze? Yes.
2:39 George Kamel? And they're packing in illegally and I'm like, this feels safe.
2:41 Rachel Cruze? This feels safe. Double buckle, ladies. Double buckle.
2:44 George Kamel? So I don't miss those days, but it was worth every penny to get those bonuses.
2:48 Rachel Cruze? That's good. That's good.
2:49 George Kamel? Well, let's flip the question. What is the most low effort product you've ever bought? Like, you ever think about how dumb it is? You paid $6.99 for a little card, like a little folded piece of paper for someone's birthday.
3:00 Rachel Cruze? You know, it always gets me, tissue paper.
3:03 George Kamel? Oh, that's a racket.
3:04 Rachel Cruze? Man, and I'm horrible. I don't keep it. Some, my, my mom and sister lay theirs out after gifts and refold. Not me. And then I'm stuck being like, I have gift bags, I have gift bags galore, but no tissue paper. Yeah, I hate that. That's, that's a, that's a hard one.
3:21 George Kamel? Yeah, well, I have a rule. If it's rumpled enough, I'm not going to reuse it. You know, I have standards.
3:26 Rachel Cruze? You don't look tacky.
3:27 George Kamel? Yeah, exactly.
3:27 Rachel Cruze? Yeah, that's fair.
3:28 George Kamel? But I will try to collect it after, you know, Christmas especially. All those gifts that get ripped open, I'm like folding the bags.
3:35 Rachel Cruze? You sound like Sharon.
3:36 George Kamel? Got the trash bag, putting all the wrapping paper, collecting. That's me. Me and Sharon should really just hang out at Christmas.
3:41 Rachel Cruze? All the time. You guys would be taking bags.
3:43 George Kamel? Haven't been invited.
3:44 Rachel Cruze? I do love a good gift bag though. I really do.
3:46 George Kamel? Those are also expensive. You're like, well, I gotta add this to the gift budget now.
3:50 Rachel Cruze? Yes.
3:50 George Kamel? Well, I saw a blog about nostalgic lucrative toys that were extremely low effort.
3:55 Rachel Cruze? Okay.
3:55 George Kamel? For example, the pet rock.
3:57 Rachel Cruze? Yes.
3:58 George Kamel? You brought this back to real life somehow with a prank on Dave Ramsey.
4:04 Rachel Cruze? The Anthropologie rock. Yes, I do. It's one of my, it's one of my greater moments.
4:08 George Kamel? Some people still don't even understand and they watched your video.
4:12 Rachel Cruze? Well, so there was a prank going around of a joke of majority women opening a gift of a rock in front of usually said male family member. So husband, dad, whoever. And as you open the gift, it's just a rock, like a rock from a yard. But everyone, all the women that are in on the joke kind of freak out. And they're like, oh my gosh, that's the Anthropologie rock. Because true story, Anthropologie was selling rocks for like 200. I didn't know that. It actually, it came from a real thing. Anthropologie was selling rocks for like hundreds of dollars, which was so stupid. So then the joke came. So everyone's just getting a rock from their yard, wrapping it up and opening it. So I did it at Christmas.
4:53 Rachel Cruze? And my sister gave, my sister-in-law gave me my Christmas present, which was a rock from their yard that I opened. And I did a masterful performance, shall I say.
5:04 Speaker 02 She got me the Anthropologie.
5:06 Rachel Cruze? Wait, what?
5:07 Speaker 03 The what?
5:09 Speaker 02 The Anthropologie rock. From the volcanic collection.
5:13 Rachel Cruze? What?
5:17 Rachel Cruze? Should I be an actress?
5:18 George Kamel? Oscar award-winning performance.
5:20 Rachel Cruze? About how amazing, because it's been sold out and like this is part of the volcanic collection. Like, I mean, I went on and on about this thing. And Dave, my dad, was like, what? What? And we're like, yeah. And I think we upped the price. I think we said it was like 1,200 dollars or something crazy. I think it's like in the video. He's like, what? You know, I can go to the yard and get a, call it a ram rock and sell it, you know? And so he goes on and on. And then he said at one point.
5:46 Speaker 03 It's a rock.
5:48 Rachel Cruze? It's a rock!
5:49 Speaker 03 Man, he's got a great one.
5:54 Speaker 03 Yeah, because it's a really, really. I'm sure it can be.
5:58 Speaker 02 Why what?
5:59 Speaker 03 Why a rock is a thousand dollars.
6:02 Speaker 02 It's the Anthropologie rock.
6:03 Speaker 03 Because, what's an Anthropologie?
6:05 Speaker 02 Anthropologie.
6:06 Speaker 03 I know, it's a brand.
6:07 Speaker 02 Yes.
6:07 Speaker 03 So it's a pet rock.
6:12 Rachel Cruze? It's a pet rock. Is that basically what it is? Because you can just, you just set it anywhere. And I'm like, yeah, you can set it anywhere. Like on your coffee table. Yeah, on your mantle.
6:22 George Kamel? Looks great anywhere in the house.
6:23 Rachel Cruze? But he mentioned pet rock, which was a throwback to what? The 70s? Like when he was a kid?
6:28 George Kamel? Yeah, 1975. Here's the backstory.
6:30 Rachel Cruze? Okay, give me the backstory.
6:31 George Kamel? Gary Doll had the idea to sell rocks as pets. Imagine Gary was under the influence of something in 1975 to come up with this. Just like the Beatles came up with all their songs, Gary came up with the pet rock.
6:41 Rachel Cruze? Oh my gosh.
6:42 George Kamel? So they came in a cardboard box with breathing holes and a training manual.
6:46 Rachel Cruze? Mm-mm.
6:47 George Kamel? Now that's creativity.
6:48 Rachel Cruze? I don't think I knew that.
6:49 George Kamel? He marketed it as a hassle-free pet and quickly became a gag gift trend. And that silly joke turned into $6 million for Doll within months.
6:57 Rachel Cruze? And that's in the 70s.
6:58 George Kamel? In the 70s. So with inflation.
7:01 Rachel Cruze? Yeah.
7:01 George Kamel? Probably $80 million today.
7:04 Rachel Cruze? Doing, doing great.
7:06 George Kamel? That's pretty crazy. So I thought it'd be fun quickly to look at the rest of the article's list.
7:11 Rachel Cruze? Yeah.
7:11 George Kamel? Of ridiculous things that made a ton of money.
7:13 Rachel Cruze? Oh, I love it.
7:13 George Kamel? Including the hula hoop.
7:14 Rachel Cruze? Oh, we love a hula hoop.
7:16 George Kamel? Created in 1958.
7:18 Rachel Cruze? Oh, right. By Arthur and Richard.
7:21 George Kamel? It took a duo to come up with that.
7:22 Rachel Cruze? Look at that.
7:23 George Kamel? That's not a solo project.
7:24 Rachel Cruze? Well, it was inspired by Australian children using bamboo hoops for exercise. And they made a plastic version and sold 25 million units in four months. Guess who has three hula hoops in her garage right now?
7:37 George Kamel? Rachel Nicole Cruz.
7:40 Rachel Cruze? My girls can hula hoop. Like, it's impressive.
7:42 George Kamel? That's awesome. And I imagine it is a pretty good workout.
7:45 Rachel Cruze? I think so, but it is still childhood nostalgia. The hula hoop is still around.
7:50 George Kamel? There's something so simple about it and silly.
7:52 Rachel Cruze? And pure, you know? There's no screen with a hula hoop. There's no instruction manual. Just gotta figure it out.
7:59 George Kamel? You're just trying to impress your friends and beat whoever else has the hula hoop.
8:02 Rachel Cruze? You can do it on the arm.
8:03 George Kamel? Oh, yeah.
8:04 Rachel Cruze? Yeah, the neck.
8:06 George Kamel? I'd like to see you do the.
8:07 Rachel Cruze? We should have had a hula hoop for this episode.
8:10 George Kamel? Hula hoop competition.
8:12 Rachel Cruze? I think I would have won.
8:12 George Kamel? All right, next up, we've got the Snuggie. Scott Boylan took a basic concept, a blanket with sleeves, made a fortune. Launched in 2008, became a household name, over 30 million Snuggies sold, generating more than $500 million.
8:26 Rachel Cruze? The Snuggie.
8:27 George Kamel? That's like 10% of Americans owned a Snuggie.
8:29 Rachel Cruze? I know. And it did have like a, you know, those like Cal-necks sweaters.
8:33 George Kamel? Oh, yeah.
8:33 Rachel Cruze? Some of them did have that. It's a little stylish. I never had one. Did you?
8:37 George Kamel? No, I didn't know. I think my parents were too Middle Eastern, like, what's wrong with a blanket? Like, why do we have to?
8:43 Rachel Cruze? Why do we need armholes? Buy a separate blanket with arms. Yes. The Snuggie. Okay, how about the Slinky? This is another good one.
8:50 George Kamel? A Slinky down the stairs cannot be beat.
8:53 Rachel Cruze? It's in it great.
8:54 George Kamel? It is a magic trick.
8:55 Rachel Cruze? I love a Slinky. Okay, so Richard James invented the Slinky by accident when he dropped a tension spring.
9:02 George Kamel? Classic.
9:02 Rachel Cruze? There you go. The toy could walk downstairs and was an instant hit. 3 billion in sales because of the Slinky.
9:10 George Kamel? That's pretty wild. And this might be my favorite because we owned one, the Chia Pet.
9:15 Rachel Cruze? Oh, never had the Chia Pet.
9:17 George Kamel? So Joe Padoc created a clay figure that grows green sprouts resembling hair when watered, available in various shapes, including animals and famous personalities.
9:26 Rachel Cruze? Yeah, so like different heads, yeah.
9:27 George Kamel? Yeah, fun fact, in a video spoof, we made a Dave Ramsey Chia Pet.
9:31 Rachel Cruze? You did?
9:32 George Kamel? Yeah, not in person, but like digital.
9:34 Rachel Cruze? Oh.
9:35 George Kamel? It was Dave's face on a Chia Pet. I don't know that he ever found out about it, but he wouldn't like it.
9:38 Rachel Cruze? Dave with hair.
9:39 George Kamel? That was the funny part, is it grows. Green hair.
9:43 Rachel Cruze? It was just the sides?
9:44 George Kamel? Yep.
9:45 Rachel Cruze? Of Dave's?
9:45 George Kamel? That's a good question.
9:47 Rachel Cruze? Should have been.
9:47 George Kamel? Looking back, I'll have to find it.
9:48 Rachel Cruze? Should have been good.
9:49 George Kamel? 500,000 units sold every holiday season.
9:51 Rachel Cruze? Oh, my gosh. Okay, last is the Magic 8-Ball. Love a Magic 8-Ball. Originally invented as a fortune-telling tool in the 1940s by Albert C. Carter created, he created it, inspired by his mother's, ooh.
10:06 George Kamel? Clairvoyance.
10:07 Rachel Cruze? Clairvoyance.
10:08 George Kamel? That's kind of spooky.
10:08 Rachel Cruze? Little six sensibilities.
10:10 George Kamel? I don't like that at all.
10:11 Rachel Cruze? Today, it's owned by Mattel, which sells about a million 8-Balls every year.
10:18 George Kamel? I'm trying to picture someone going like, "We're going to the store to buy a Magic 8-Ball."
10:21 Rachel Cruze? I know. I guess you just see it. Do 8-Balls freak you out? Or are you good with them?
10:26 George Kamel? No, but like where it came from freaked me out.
10:29 Rachel Cruze? Okay.
10:29 George Kamel? Like what was inspired by? His mother's clairvoyance?
10:31 Rachel Cruze? I don't know.
10:32 George Kamel? Don't love that. A lot of hype products that I would say, "We're not worth the money, but we're fun at the time." Some fun hype behind it.
10:40 Rachel Cruze? Yeah, and again, the nostalgia play, like, these are still around.
10:43 George Kamel? Yeah.
10:43 Rachel Cruze? Which is so impressive.
10:44 George Kamel? And did they bring you joy for the price you paid?
10:47 Rachel Cruze? Sure.
10:47 George Kamel? Potentially.
10:48 Rachel Cruze? Yeah, as a kid. Absolutely.
10:50 George Kamel? But they're probably in a goodwill or a landfill somewhere now.
10:53 Rachel Cruze? I know, that is sad. Hashtag pollution. Sorry.
11:00 Rachel Cruze? Yeah, but one thing I am still paying for that I appreciate, though, is Delete Me.
11:04 George Kamel? There we go.
11:05 Rachel Cruze? Because...
11:05 George Kamel? No nostalgia there.
11:06 Rachel Cruze? No, this is a...
11:07 George Kamel? No hype.
11:08 Rachel Cruze? That, yeah, the nostalgia toys was for the past. This is now for the present.
11:14 George Kamel? For the future and the present.
11:15 Rachel Cruze? In 2026, you gotta, you gotta protect your online safety, you guys. And data brokers will collect your data from companies and then end up selling your data to other companies. And that puts you at risk for scams and fraud and phishing and all this stuff. And so Delete Me goes through those data broker sites and removes it. And your data could be everything from like, your home address, your old home addresses, phone numbers, kids' names, email addresses. There's so much information out there. So getting all that wiped clean continually, so, so big.
11:46 George Kamel? Yes. And if you shook the Magic 8-Ball and said, "Will my data be bought and sold?" Yes.
11:51 Rachel Cruze? It's gonna say yes.
11:52 George Kamel? "Will Delete Me help clean it up and keep it gone?" 1,000% yes.
11:55 Rachel Cruze? Of course, is what it's gonna say. Of course.
11:58 George Kamel? We need a Smart Money Happy Hour 8-Ball. That's just so positive. It's like your best friend who's just always cosigning your worst decisions.
12:04 Rachel Cruze? Yes, George.
12:06 George Kamel? Yes, queen.
12:07 Rachel Cruze? Go, George, go. That's it.
12:09 George Kamel? Oh, wow, it's just for me now. It has my name on it.
12:11 Rachel Cruze? Yeah, and mine will be like, "Rachel, you're the best." I'm like, "Thank you."
12:14 George Kamel? You're so relatable and friendly. How do you do it all? That's great. Well, hey, go check out Delete Me. No Magic 8 Ball included, but it's well worth it. Join delete me.com/smartmoney and you'll get 20% off their annual plans.
12:27 Rachel Cruze? There you go. Well, it's all fun and games until you're wasting your money on something. But honestly, as an adult, you look up and like, why are we buying this stuff? Because there's so much stuff today, George, that can be sold to you and you are like, it's like bait and switch. And I've done it. But you look up, you're like, man, that was, I don't know if that was worth it.
12:50 George Kamel? Yeah. And a big one, expensive subscriptions and fitness apps. I think it was like COVID, this really hit everyone.
12:58 Rachel Cruze? Yes.
12:59 George Kamel? They're like, we're stuck at home, we're out of shape, and we go, yeah, I'll buy a Peloton.
13:03 Rachel Cruze? Yes. I do remember all the free weights, like all exercise equipment was sold out for
13:08 George Kamel? Oh, that's right.
13:09 Rachel Cruze? No one could get anything. Do you remember that?
13:10 George Kamel? Luckily, I was not in the market for a dumbbell.
13:12 Rachel Cruze? I don't think I was either at that time. No, I was not either. But I remember people talking about that. You couldn't get free weights. I mean, you could get nothing. Like, it was wild.
13:19 George Kamel? Yeah. And now we have like these Aura rings. Have you seen those?
13:22 Rachel Cruze? Yes.
13:22 George Kamel? I don't know if they're worth the hype. I feel like people who have them are like, oh, it's amazing.
13:27 Rachel Cruze? Okay, so I've thought about it. Number one, I don't think they're that cute. And it kind of messes up my, even though I didn't wear on my rings today, but like it messes up my
13:35 George Kamel? Your vibe.
13:36 Rachel Cruze? My rings.
13:36 George Kamel? Feng Shui.
13:37 Rachel Cruze? Yeah, my rings. Talk about woo woo. Look at you. Yeah. And I, I don't like anything that tracks my sleep, I've decided.
13:48 George Kamel? Is it creepy or is it just unhelpful?
13:51 Rachel Cruze? I can't sleep when it's happening because I keep being like, Rachel, get a good score. Get a good score.
13:56 George Kamel? You're so performative.
13:57 Rachel Cruze? Then it stresses me out. I'm not kidding. Like, go to sleep, Rachel, get a good score. And then I see the clock, it's 10:30. I'm like, oh, my gosh.
14:04 George Kamel? So you get sleep anxiety from wearing the sleep device?
14:06 Rachel Cruze? I'm not kidding. I've done, yes, I've had multiple. And I'm like, I just don't sleep good with it. Because I'm like, when am I going to wake up? And then I think it's a self fulfilling prophecy. I think you wake up and you see forty-nine and you're like, I am so tired. I only got a forty-nine sleep score. Where before, if you didn't really know, I don't think, I don't think you'd know.
14:23 George Kamel? Well, for years.
14:24 Rachel Cruze? And I think you can tell yourself, I swear.
14:25 George Kamel? Your body has told you, if you go to bed late and you drink, you're probably not gonna sleep great. I don't need a score to tell me that.
14:33 Rachel Cruze? That's right, absolutely, yes. And like, I don't know, where it's like you have this, it's just unhelpful information. Nothing about what I would do would change. I try to always go to bed early.
14:42 George Kamel? Yeah.
14:43 Rachel Cruze? And I won't change.
14:44 George Kamel? You have great sleep hygiene is what it's called.
14:47 Rachel Cruze? Well, I don't know about that, but.
14:48 George Kamel? I might, I mean, I'm not against it. I'd be willing to try it. Peloton, we used it, we had the subscription, it felt expensive for me not using it.
14:55 Rachel Cruze? I never did the Peloton.
14:57 George Kamel? Got rid of the subscription and sold the Peloton.
14:59 Rachel Cruze? Do you miss it?
15:00 George Kamel? No, but I'm also out of shape, so I can't really speak.
15:04 Rachel Cruze? Aren't y'all exercising at home now?
15:06 George Kamel? That's a nice thought.
15:07 Rachel Cruze? Okay.
15:07 George Kamel? Appreciate that.
15:08 Rachel Cruze? I thought y'all were doing stuff like in your garage. I thought y'all bought.
15:10 George Kamel? Everyone around, like, all of my neighbors, like, have, like, their garage gym.
15:14 Rachel Cruze? Okay, you should ask, do you have a neighbor that you really like and enjoy?
15:18 George Kamel? Yes, but he's like, I was like, what time do you workout? He's like, usually like five, five-thirty. I was like, never mind. I was like, can I roll up here? I was at eight.
15:24 Rachel Cruze? George, you could do it. No, go it, yes, wake up early and go with the friends.
15:28 George Kamel? The one that I want, I'm gonna fall for this, is the Tonal. Have you seen that? It's like the one that goes on the wall. They're so expensive. It's a couple, it's a couple thousand dollars.
15:36 Rachel Cruze? Is it the mirror one? And the mirror shows you? Yeah, that's a gap. I wouldn't do it, George.
15:41 George Kamel? That feels gimmicky, but then people who have it, like, it changed my life.
15:44 Rachel Cruze? If you're not working out now, with just some bands and free weights that you could get, you're not gonna, you're not gonna do that. You're not, you're not gonna do that.
15:53 George Kamel? Okay, I'll bet this one, this one's more in my wheelhouse. Ring doorbell camera.
15:56 Rachel Cruze? Yes.
15:57 George Kamel? I don't have a ring, I'm a simply safe guy, but I have a very, I have an aversion to going to the front door if there's like a solicitor.
16:03 Rachel Cruze? Oh, for sure.
16:04 George Kamel? So I talk through the doorbell if I have to. Usually I'll just wait and see if they leave.
16:07 Rachel Cruze? Funny, funny. My girls did, uh, they got a twenty-twenty-six wake-up call. They went and, uh, ding-dong ditched the little boy and Caroline, a few of their little friends, like, let's go to so-and-so's house. Um, anyways, Emily was like, we rang the doorbell like five times and went and hid in the bushes. And then his mom came, which she wasn't mad, but his mom came over and she was like, hi, girls. So and so isn't here. We're, we're gone. And Emily was like,
16:31 George Kamel? Prank ruined.
16:31 Rachel Cruze? We talked to Miss So and So through the doorbell. And I was like, oh, my gosh. Welcome to 2026, girls. Yeah, you can't ding dong ditch.
16:38 George Kamel? The kids can't have any fun anymore.
16:39 Rachel Cruze? You can't ding dong ditch.
16:40 George Kamel? That is my least, now that I have an infant who's like sleeping, you know what I mean? That bothers something. And dogs who go crazy if the doorbell rings.
16:46 Rachel Cruze? Sounds like an old man, George.
16:47 George Kamel? So I have a little sign. I have a sign that says, do not disturb, do not ring.
16:51 Rachel Cruze? Okay, I get it.
16:52 George Kamel? It's basically a death threat on my doorbell camera.
16:54 Rachel Cruze? Yeah, I, yeah. The nap time is precious through certain years of that baby stage.
16:59 George Kamel? Yeah.
17:00 Rachel Cruze? I get it. Cause if Henry had a sleep, sleep score.
17:04 George Kamel? Oh, bless it.
17:04 Rachel Cruze? Who knows what it would be?
17:06 George Kamel? He's a rough sleeper like dad.
17:07 Rachel Cruze? What would he be? What would his sleep score be?
17:09 George Kamel? Right now is zero.
17:10 Rachel Cruze? No.
17:11 George Kamel? It's a struggle.
17:12 Rachel Cruze? Is it?
17:13 George Kamel? Well, putting him down, it's like an hour and a half. And you're like, dude, come on, please.
17:17 Rachel Cruze? Don't do any level of crying out.
17:19 George Kamel? Um, I started to leave him in the crib for a little bit, watch the monitor, go back in if he starts losing it, you know?
17:24 Rachel Cruze? Okay.
17:24 George Kamel? But Whitney's like the Caesar Milan of babies. So she can get him down much easier than I can.
17:29 Rachel Cruze? Oh, okay.
17:29 George Kamel? I think he senses my, my tense, my tension.
17:31 Rachel Cruze? Smells you or something.
17:32 George Kamel? Yeah, he smells my fear.
17:33 Rachel Cruze? Your fear?
17:36 Rachel Cruze? Hundred percent.
17:37 George Kamel? So I'm not great at it.
17:38 Rachel Cruze? Hundred percent.
17:39 George Kamel? But the self-care industry feels like a cash grab in general.
17:42 Rachel Cruze? Oh, yeah. No, this is, uh, the, the thing is, is that they come out with something that's like slightly different every time. So it's like under eye cream, upper eye cream for a
17:53 George Kamel? Oh, especially for the women, yeah.
17:55 Rachel Cruze? Hooded, um,
17:56 George Kamel? Hooded eyelid cream?
17:57 Rachel Cruze? Yeah, hooded lids.
17:58 George Kamel? Is that a thing?
17:59 Rachel Cruze? Uh, yes. Oh, yeah. And then you got your crow's feet cream. I mean, every, there's like five creams per one eye.
18:06 George Kamel? Everything says anti-aging now.
18:07 Rachel Cruze? If you choose, and I don't. I have a horrible skincare routine. I don't do a lot, but.
18:11 George Kamel? Okay. You don't have like a favorite product that you want to mention?
18:14 Rachel Cruze? Well, I'm glad you asked, George. I do. I actually bought a product. So I always just wash my face with face, um, face wash and that's it.
18:22 George Kamel? Okay.
18:22 Rachel Cruze? I don't, I tried like a few years ago to do like all like the five steps and then I'm a horrible follow-througher. I get really excited. That's my toxic trait. I get really excited about something and I'm really great at it for like two months and then it's never again. So I did find one product, though, that I loved.
18:39 George Kamel? That's worth the hype.
18:40 Rachel Cruze? And it's a little bougie, so sorry, everyone, if you go look it up.
18:43 George Kamel? Don't be upset.
18:44 Rachel Cruze? I'm just not, I'm not gonna, what do they call it? I'm not gonna guard it. I'm not gonna hide it.
18:47 George Kamel? Gatekeep it?
18:48 Rachel Cruze? Gatekeep. I'm not gonna gatekeep it.
18:50 George Kamel? Don't guard your heart.
18:52 Rachel Cruze? Don't guard your heart. I'm not gonna guard my skincare. No. It's SkinCeuticals. Oh, man, I need to look up the actual name of it. It's like the moisturizing. It's a white, the white label, and it's a dropper. You do three, I do three droppers a night, and you blend it in. It's almost like an oil. But it's, and I swear to you, my complexion, the moisturizer, it is, it's the best single thing that I have stuck with.
19:17 George Kamel? Wow.
19:18 Rachel Cruze? Love it. So, that's all I do. I don't do eye care. I don't do anything else.
19:22 George Kamel? That's impressive.
19:23 Rachel Cruze? It's really is amazing. It is really amazing. So that one I will do.
19:26 George Kamel? I have a more involved skincare routine than you do, which is not a surprise to anybody.
19:30 Rachel Cruze? What do you do, George?
19:32 George Kamel? I mean, I do face wash in the shower.
19:34 Rachel Cruze? Okay.
19:35 George Kamel? I have a beard wash in the shower. I use keels. Big fan of keels.
19:38 Rachel Cruze? Okay. Beard wash?
19:40 George Kamel? A beard wash.
19:41 Rachel Cruze? Not shampoo?
19:42 George Kamel? Not a shampoo. No, because your beard is a very specific type of...
19:45 Rachel Cruze? No, it's not.
19:45 George Kamel? Yeah, it's different. It's different. It's different. Then I use a Cetaphil. It has a SPF 30.
19:53 Rachel Cruze? I do love a Cetaphil.
19:55 George Kamel? And then CeraVe at night, the CeraVe PM one at night.
19:58 Rachel Cruze? Those are great products, actually.
20:00 George Kamel? And a little witch hazel.
20:02 Rachel Cruze? You know who loves witch hazel?
20:03 George Kamel? Because I don't wash my face at night. I don't like so much water. I'm just covering myself in water. I don't know how we wash their face in the sink. I'm literally confused.
20:12 Rachel Cruze? It can get messy. It can get messy. That's fair. That's fair. Yeah, yeah, yeah.
20:16 George Kamel? Anyways.
20:17 Rachel Cruze? You know who loves witch hazel?
20:19 George Kamel? Who?
20:20 Rachel Cruze? Sharon Ramsey.
20:20 George Kamel? Oh!
20:21 Rachel Cruze? Yes.
20:23 George Kamel? And to be fair, Sharon looks amazing.
20:25 Rachel Cruze? Yeah, oh, my mom.
20:26 George Kamel? Great skincare routine.
20:27 Rachel Cruze? Sharon's fantastic. The fact that she's 66 years old, I'm thankful for God.
20:32 George Kamel? I'm doing something right.
20:34 Rachel Cruze? Give me the genes.
20:34 George Kamel? If you want a skin like me, sorry.
20:37 Rachel Cruze? No, but for real, but those are very, like, low maintenance products, though.
20:42 George Kamel? Yeah.
20:42 Rachel Cruze? You did nothing crazy there.
20:43 George Kamel? Nothing crazy. I don't have, like, a vitamin C serum or anything.
20:46 Rachel Cruze? That is a black hole, that self-care industry.
20:48 George Kamel? Oh, my goodness.
20:48 Rachel Cruze? Especially skincare. You can go down that.
20:50 George Kamel? All the marketing will make you feel like you need it.
20:52 Rachel Cruze? Yes.
20:53 George Kamel? And that everyone has it but you, and the influencer you love uses it.
20:56 Rachel Cruze? And that it creates what you see, and that's what makes me mad, is like, I bought one of these, like, those masks, which I do love. They're actually very nice. You know, but you take it off and I think I expected the girl that I watched the Instagram video, you know, and she's got no freckles, she's got no Flemishes, she's like, perfect skin. And for some reason in my head, I thought, when I take off this mask after six hours, my skin is going to be her skin. I know that's not true, but why did I think that? I didn't. Nope, just me again.
21:26 George Kamel? You fell for it.
21:27 Rachel Cruze? It's just me and my skin, my sunspots.
21:30 George Kamel? That's a good one. But yeah, that can add a serious line item to the budget.
21:34 Rachel Cruze? Yep.
21:34 George Kamel? Just for self-care.
21:35 Rachel Cruze? Okay, here's a super controversial one. Well, I shouldn't say super, but.
21:40 George Kamel? People have feelings about this.
21:41 Rachel Cruze? I believe this one. Cash grab, private colleges.
21:44 George Kamel? Oh, can I add another extra controversial layer?
21:48 Rachel Cruze? Oh, go for it.
21:50 George Kamel? Christian, private colleges. You can charge a 30% Jesus tax. And people will be like, yeah, absolutely. I'm willing to pay more for my child to be in what I think is a more spiritual, safer environment. Can I say that?
22:07 Rachel Cruze? 100%.
22:08 George Kamel? And truthfully, it was a beautiful, safe bubble where I was at University Mobile, shout out, a great college.
22:12 Rachel Cruze? Was that a Christian school?
22:13 George Kamel? Yeah.
22:13 Rachel Cruze? It's three, four times as much.
22:17 George Kamel? Yep.
22:17 Rachel Cruze? And again, when we talk to people, and I can say this, if Harvard, if you're like, I went to Harvard, I think majority of people are like, wow, that's impressive, right? But if you went to, um.
22:32 George Kamel? Don't say it.
22:33 Rachel Cruze? Indiana, Hardwood University, I don't know. And you're like, it was a Christian school or something. I just made it up because it was Harvard. I don't know, I'm thinking this up. And you're like, what is that? Like, oh, it's a small university in Indiana. Then no one has ever heard of it. There's zero clout to this school that you paid.
22:49 George Kamel? To your small liberal arts school.
22:51 Rachel Cruze? That you paid four times. I mean, that's me. I'm like, no, get a fourth of a discount and go to, go to a community college or an in-state school.
23:01 George Kamel? I started an in-state school and I migrated south and went private. I don't know why. Trying to be different, I guess.
23:08 Rachel Cruze? Do you regret going to, paying that? Did you pay cash for it?
23:11 George Kamel? No, I wish. Yeah, famously went to thirty-six grand into debt.
23:15 Rachel Cruze? Famously, because everyone knows.
23:17 George Kamel? Famously.
23:17 Rachel Cruze? Everyone knows George's story and his numbers.
23:20 George Kamel? It worked out for me, but I would say like, when you're thinking about college, don't think about what the brand name is and the football program. Like, think, what education do I need to do the thing I want to do?
23:32 Rachel Cruze? Yes, yes.
23:33 George Kamel? And if it needs.
23:34 Rachel Cruze? And you can love Jesus and go to a lot of places.
23:37 George Kamel? Amen.
23:37 Rachel Cruze? I will say that. That's controversial, but you can.
23:41 George Kamel? Well, it's less fun to evangelize on a Christian campus. I'll say that.
23:47 George Kamel? I like a nice ripe mission field.
23:49 Rachel Cruze? Oh, my gosh.
23:52 Rachel Cruze? Oh, my gosh.
23:52 George Kamel? No, it's great.
23:53 Rachel Cruze? And you can find your people. I will say, that's what I like about the idea of big schools. And then even crazier, even big high schools.
23:59 George Kamel? Were you top twenty in your class?
24:01 Rachel Cruze? Of grades?
24:02 George Kamel? Yeah. Oh, gosh. The fact you just say of grades was very telling.
24:06 Rachel Cruze? I thought you meant like social status.
24:09 George Kamel? Social status, yes, we had a ranking system.
24:13 George Kamel? That's so great.
24:14 Rachel Cruze? Of grades, no.
24:15 George Kamel? All right.
24:16 Rachel Cruze? No, I think I graduated high school, I don't even remember. Maybe like a three point four or five.
24:21 George Kamel? What's the old Dave Ramsey joke? He has such a good joke about this.
24:24 Rachel Cruze? Of what?
24:25 George Kamel? He's like, some people graduate, summa cum laude, I graduated, thank you laude.
24:28 Rachel Cruze? Thank you laude, thank you laude, thank you laude.
24:30 George Kamel? That's a good one.
24:31 Rachel Cruze? Yeah, we were never, the Ramses, Daniel was. Daniel's my brother's. He's a book smart.
24:36 George Kamel? The intellectual.
24:37 Rachel Cruze? Yeah, yeah, not, yeah.
24:39 George Kamel? All right.
24:40 Rachel Cruze? You know? Sometimes you just gotta get through life, George.
24:43 George Kamel? It worked out.
24:44 Rachel Cruze? I think so. I don't know.
24:46 George Kamel? You're here. We're on the same show. And I was number twelve, in case you were wondering.
24:52 Rachel Cruze? We didn't ask you, George.
24:54 George Kamel? Didn't, couldn't crack the top ten, but.
24:56 Rachel Cruze? Do you know more, do you know more wealthy people in America actually had a average GPA in school?
25:02 George Kamel? Oh, that's right.
25:03 Rachel Cruze? Yes, so there's actually factual, because we can get along with people. You know, you connect, you work your way up.
25:09 George Kamel? Yeah.
25:10 Rachel Cruze? Get what you need.
25:12 George Kamel? Way to really represent the working class. Thank you for that. All right, moving on to our cash grabs now that we've dogged private universities. Our kids will never get into college now.
25:24 Rachel Cruze? All these private university grads, like y'all are the dumbest people ever to host a podcast. We can do so much better job with our education. We're proving out, maybe everyone should go to private school.
25:35 George Kamel? Everyone should go to private school. I can't defend, now here's the thing, people who did go to private colleges will flame us in the comments for what we just said.
25:43 Rachel Cruze? Yeah, yeah, and that's fine.
25:44 George Kamel? But I'm fine with that.
25:45 Rachel Cruze? You know what? The gray in life is gray. Maybe it's great for some people. If you want to go and you got the cash, do it, girl. Do it.
25:52 George Kamel? Wow, only 19 more to go, okay. We can speed through this one.
25:56 Rachel Cruze? Yeah, go, go.
25:56 George Kamel? Lifted vehicles. Okay, you have to guess the cost of lifting a truck. Which, by the way, I saw one yesterday, which, we're in Nashville, so like, you throw a rock and you'll hit the bottom of somebody's truck. They're so high up.
26:12 Rachel Cruze? The Jeeps are high, too.
26:13 George Kamel? And I always imagine it's like a 22-year-old driving that car. Like, no self-respecting grown man, unless his growth was stunted at 22 because his dad left, is driving a car 12 feet in the air.
26:23 Rachel Cruze? I agree.
26:25 George Kamel? I'm talking like, it looks like it could be in a monster truck ride.
26:27 Rachel Cruze? No, I agree. It's so, that's so silly. That is so silly, yeah.
26:31 George Kamel? Wow, okay, what do you think it costs?
26:32 Rachel Cruze? It costs? Gosh, I'm terrible with this, uh, with kind of car maintenance stuff. Um, 12 grand?
26:41 George Kamel? Wow.
26:43 Rachel Cruze? What?
26:43 George Kamel? According to the, this is official from AutoZone.com, which is the only source I use. It can cost up to $5,000 to lift a truck.
26:51 Rachel Cruze? Oh, well, I went way high.
26:53 George Kamel? Now, that's just lifting. Now, if you're talking underlight LED kit, all the works.
26:56 Rachel Cruze? Okay, anything around 12, or did I just like overshoot it?
26:59 George Kamel? That's all I have on my.
27:00 Rachel Cruze? Okay, okay, okay, so maybe.
27:02 George Kamel? I didn't do that much research.
27:03 Rachel Cruze? Okay.
27:04 George Kamel? But, that's a tough one. That does feel like a cash grab, because I'm like, who are you impressing other than other guys? Because are women impressed by lifted trucks?
27:14 George Kamel? Maybe girl, I would say maybe girls are impressed, not women.
27:18 Rachel Cruze? Wow, wow.
27:20 George Kamel? I think any self-respecting woman is like, hey, how about a truck I can get into?
27:24 Rachel Cruze? Do you know what I think is more?
27:25 George Kamel? Without a ladder.
27:25 Rachel Cruze? What more obnoxious? Cars that make loud noises.
27:29 George Kamel? Oh.
27:30 Rachel Cruze? I think I'd rather get into a lifted truck than a loud sports car, truck. I mean, they just, and I'm like, I don't, are you like, it's like a mating call. I'm like, what do you think this is? It's like down the interstate. I'm like, no one's looking at you.
27:46 George Kamel? It's like an anti-mating call.
27:47 Rachel Cruze? Being like, oh my God, who is that driving that car? If anything, I'm like, you are so obnoxious, so obnoxious.
27:54 George Kamel? Yeah, it's definitely the anti-mating call. And that, you know, that applies to guys who have cars very low to the ground.
27:59 Rachel Cruze? Both. Why do we need, why do we need, why not just normal height?
28:02 George Kamel? Keep it as God intended in Toyota, just keep it where the came off the factory lot.
28:07 Rachel Cruze? Yeah, it's all we need. We don't need to be adding more.
28:09 George Kamel? Oh, my goodness. Wow, not, not a worthy upgrade.
28:12 Rachel Cruze? Nope, I don't think so at all, not at all. But there are some upgrades in life that are worth it, George. And that is Cozy Earth products.
28:20 George Kamel? I thought you were gonna say getting guac, but I do think Cozy Earth.
28:23 Rachel Cruze? The guac upgrade is great.
28:24 George Kamel? A close second to guac is Cozy Earth.
28:26 Rachel Cruze? Yes, but the quality of the products, whether it is the sheets, the towels, the robe, which I wore this morning, the loungewear, I mean pajamas, all of it, like it is just.
28:37 George Kamel? The joggers, I have their everywhere pants and I wear them everywhere.
28:41 Rachel Cruze? Everywhere, because they can go everywhere.
28:43 George Kamel? And I get compliments, not gonna lie.
28:44 Rachel Cruze? Do you? Yeah, yeah.
28:45 George Kamel? And Whitney loves the, the first layer lounge set that I've been wearing. She's like, do they have those in other colors? Like, get more.
28:50 Rachel Cruze? I know, I do. I love those, especially for the summer, because they're like so lightweight.
28:55 George Kamel? It's that, it's, it always feels cool to the touch.
28:58 Rachel Cruze? If you got that first layer Cozy Earth and then the sheets, the bamboo sheets on top, you're just like, I'm gonna sleep cool tonight. My sleep score's gonna be a freaking hundred after this situation.
29:07 George Kamel? Oh, that's a good, we should do a study. Do Cozy Earth products actually help you sleep better? They commission that Cozy Earth.
29:14 Rachel Cruze? I love it.
29:14 George Kamel? Go check it all out. They've got great products and you can go to cozylearth.com/smartmoney and get up to 20% off when you use code SMARTMONEY at checkout. And when you get the post-purchase survey, let them know Smart Money Happy Hour sent you. We'd appreciate that.
29:27 Rachel Cruze? All right, next, cash grab delivery apps. The upcharge.
29:31 George Kamel? This one I can get behind.
29:32 Rachel Cruze? The upcharge, the upcharge. I think I do this, I do Uber Eats maybe like six times a year. Like, we never, we do pizza delivery.
29:41 George Kamel? That doesn't count. I'm not gonna count that as a delivery.
29:43 Rachel Cruze? But these apps.
29:45 George Kamel? We're talking DoorDash, Uber Eats.
29:47 Rachel Cruze? We never do them. We never do them. And I think, and I feel like George Campbell in this, because I.
29:52 George Kamel? Thank you.
29:53 Rachel Cruze? The price of it, I'm like.
29:54 George Kamel? I've compared prices. So I went to, I did like a Taziki's order through the app, and I did Taziki's through DoorDash.
30:00 Rachel Cruze? Okay.
30:00 George Kamel? And I saved forty-six percent.
30:03 Rachel Cruze? No.
30:03 George Kamel? By ordering it for pickup through the app. Because everything is marked up, every single item, then there's delivery fees, and then you're gonna tip, because you're a good human being, and you tip when someone went to the store for you. Picked it up and brought it to your house, to your door. And so I just don't think it's worth it unless there's a extenuating circumstance.
30:22 Rachel Cruze? Yes.
30:23 George Kamel? Like, you just had a baby and you can't get out of the house.
30:25 Rachel Cruze? Totally.
30:26 George Kamel? And you have it in the budget to DoorDash, fine.
30:28 Rachel Cruze? Yeah.
30:29 George Kamel? But most people I meet that do DoorDash, not doing well financially to begin with.
30:33 Rachel Cruze? Well, and the funniest is like, there'll be, you know, a ten dollar meal from Taco Bell, and you're gonna DoorDash it, and you basically pay as much for the meal as.
30:43 George Kamel? Oh, yeah.
30:44 Rachel Cruze? Everything included with all the, with all the fees and everything. Like, it's just wild.
30:47 George Kamel? Because you don't wanna leave the house to go drive ten minutes to grab it?
30:51 Rachel Cruze? Right. I, yeah.
30:52 George Kamel? It's pure insanity.
30:53 Rachel Cruze? I'm with you on that. I, I do feel like I'm not, I have not adapted the delivery apps.
30:58 George Kamel? Yeah.
30:58 Rachel Cruze? In that way. Now, I will do Instacart for groceries every now and then.
31:01 George Kamel? That's different.
31:01 Rachel Cruze? And I do it for Costco.
31:03 George Kamel? Oh, see, that one I still hurts my soul.
31:06 Rachel Cruze? I do pay a lot for that. Because I, I tip on the amount.
31:10 George Kamel? Well, and the average order at Costco is gonna be hundreds of dollars.
31:12 Rachel Cruze? Whoever gets mine, and they always will message me, "Thank you so much for the nice stuff."
31:16 George Kamel? Oh, I bet.
31:16 Rachel Cruze? Because I do a big, I do a nice percentage.
31:18 George Kamel? You know what? How about this?
31:20 Rachel Cruze? You're like, oh my god.
31:21 George Kamel? Next time, text me. I'll go to Costco for you.
31:24 Rachel Cruze? George, stop that. My gosh.
31:26 George Kamel? All I wanna do in life, I literally went for my birthday to Costco with my friends. I said, well, they said, "What do you wanna do?" I said, "I just wanna go to Costco."
31:32 Rachel Cruze? You know what we should have thrown for you? You've seen it, is the Costco birthday, the surprise birthday party at Costco.
31:38 George Kamel? And he's like, "No way, you're here too?"
31:39 Rachel Cruze? I know. George, and then you have a big pizza party at the front of Costco.
31:43 George Kamel? Truthfully, I don't have enough friends to do that.
31:45 Rachel Cruze? Yes, you do.
31:47 George Kamel? Like, two people. I'd be like, "Well, it's a coincidence at that point. That's not a surprise party."
31:50 Rachel Cruze? George, we would all show up for you.
31:52 George Kamel? No, but I said, "You guys have to buy one thing that you didn't know existed, that you don't need." So that was our goal for the birthday.
31:59 Rachel Cruze? With just you?
32:00 George Kamel? Me and two friends.
32:01 Rachel Cruze? Oh, y'all, you did go with your two friends to Costco?
32:04 George Kamel? Yeah.
32:04 Rachel Cruze? And what happened?
32:06 George Kamel? I said, all right, guys, we're all gonna go buy something we did not know existed that we don't do not need.
32:12 Rachel Cruze? Okay.
32:12 George Kamel? And they did it. It was great.
32:14 Rachel Cruze? So fun.
32:15 George Kamel? One friend bought like a 36 pound bag of hardwood charcoal. Another friend, he bought some like pool floats for his pool.
32:21 Rachel Cruze? Good for him, yes.
32:23 George Kamel? And I got some chocolate.
32:24 Rachel Cruze? Oh, my gosh.
32:27 Rachel Cruze? Didn't know. And your birthday was just a few weeks ago from when we were recording this.
32:30 George Kamel? Yeah, yeah.
32:31 Rachel Cruze? So did y'all do dinner before or anything?
32:33 George Kamel? We went to a pilato after.
32:35 Rachel Cruze? Oh, what did you think?
32:36 George Kamel? Great.
32:37 Rachel Cruze? Great place.
32:38 George Kamel? Frozen espresso martini, delicious.
32:40 Rachel Cruze? That's so fun.
32:40 George Kamel? So, yeah, there you go. Delivery app's not worth it. I'd rather go for the in-person experience.
32:44 Rachel Cruze? Uh, I'm with you. I'm with you on that. Okay, next up is storage units.
32:48 George Kamel? Oh.
32:49 Rachel Cruze? So basically, you're paying every month for crap you don't need because you're sticking in a storage unit.
32:54 George Kamel? If you needed it, it wouldn't be in storage all the time.
32:57 Rachel Cruze? I know. That's a very American thing. Uh, very anti-minimals.
33:02 George Kamel? Do they even have storage units in like Europe?
33:04 Rachel Cruze? I don't know.
33:05 George Kamel? I guess you just don't like own a kayak if you're in Europe.
33:08 Rachel Cruze? You know, if you're moving, there are times and places to use these.
33:11 George Kamel? I've had them temporarily in between a move.
33:13 Rachel Cruze? But just for a full-on, don't they have shows where storage units, like someone's?
33:17 George Kamel? Storage wars.
33:18 Rachel Cruze? Okay, yes, someone dies, right? And then it's like, oh, no.
33:22 George Kamel? Okay, nobody has to die for it to be a good show.
33:25 Rachel Cruze? Okay, I thought it was.
33:25 George Kamel? No, they just like stop paying the bill.
33:27 Rachel Cruze? Oh, okay. I thought it's because like they passed away and they...
33:31 George Kamel? Wow.
33:32 Rachel Cruze? Sorry, I thought that's what it was. Okay, sorry.
33:34 George Kamel? That needs to be a different show, though.
33:35 Rachel Cruze? Oh, my gosh. No, but so this is just that they stopped paying?
33:39 George Kamel? Yeah, they haven't paid the bill and so they like basically auctioned it off to the highest bidder and you don't know what's in it. So I like the mystery of that.
33:45 Rachel Cruze? Me too. Yeah, yeah.
33:46 George Kamel? So that would be fun. But yeah, it's a very American thing to just like, we already use our garages for storage instead of for cars.
33:52 Rachel Cruze? I know, isn't that funny?
33:53 George Kamel? And then we get storage units on top of that for the things that we might maybe want to use one day.
33:58 Rachel Cruze? I know.
33:58 George Kamel? That to me is a waste because you're paying potentially 50 to 100 bucks or plus.
34:02 Rachel Cruze? Yeah.
34:03 George Kamel? Every single month for the pleasure.
34:05 Rachel Cruze? I'll say this, in the real estate world, if you will.
34:10 Rachel Cruze? My husband and my dad, uh, storage units is some of the like the most like lucrative business.
34:15 George Kamel? Yes.
34:15 Rachel Cruze? Like if you own a storage unit, it's like some of the best real estate because people, they use them and they fill them up and they're, they pay a lot per month, like all of the whole, the whole situation. It's pretty wild.
34:27 George Kamel? I have a family member who they, he buys land with some investors. They build a storage unit, complex on it and then sell it.
34:34 Rachel Cruze? Yeah. Oh, yeah. Yes.
34:35 George Kamel? And they crush it. They do this all over the country.
34:37 Rachel Cruze? It's wild. Yes.
34:38 George Kamel? And people pay big money to buy these.
34:40 Rachel Cruze? Well, and you don't have renters coming in and out of just like a property.
34:42 George Kamel? It's a low hassle way to make money.
34:44 Rachel Cruze? All right. Next is lottery tickets. So, um, shall we just say it out loud, George, to everyone? You will not win the lottery. Sorry, everyone.
34:56 George Kamel? And if you do and you're watching this, I feel like you owe us a little bit of it. I'm just saying, the chances of us telling that to your face and then you winning.
35:06 Rachel Cruze? Just because we didn't believe in you. Yeah.
35:07 George Kamel? No, but it is true. The stats are wildly impossible.
35:10 Rachel Cruze? You know, I think it is. I think this is one of like the saddest, not saddest. This is like a kind of a messed up situation. So states where they give scholarships for college, Tennessee's one of them, you get the Hope Scholarship and it comes all through the lottery. And these zip codes at which the lottery is played is low income zip codes. So basically low income people are taking, paying middle class to upper class kids to go to college. Like, like when you think about it that way, I'm like, man, it sucks. So.
35:40 George Kamel? Well, now it's been digitized.
35:41 Rachel Cruze? And it's just this hope of like.
35:42 George Kamel? So now there's all these like gambling apps.
35:43 Rachel Cruze? Yeah. Oh, gosh.
35:44 George Kamel? Where it's addictive because you'll just come back and.
35:46 Rachel Cruze? Don't get me on sports betting.
35:48 George Kamel? Tap one more time, swipe one more time to try to win.
35:50 Rachel Cruze? It's horrible, horrible. Like seriously, it's this complete false hope that we really do believe we're gonna win.
35:55 George Kamel? Yep.
35:56 Rachel Cruze? And yeah, not worth it. Just stay away.
35:59 George Kamel? I have a better chance of becoming president and winning the lottery. I'm convinced.
36:02 Rachel Cruze? Uh, that's probably true.
36:03 George Kamel? And I don't want to do either. I don't want either.
36:05 Rachel Cruze? Mega, mega, mega powerball. Big one.
36:07 George Kamel? Oh, yeah. That's what's sad is when it's a big number. You're like, well, it's big enough that I should try, right?
36:13 Rachel Cruze? Well, okay. And I do feel like I have to be very honest. I have. I have bought for the fun, the fun of it, right? Not thinking I'm going to.
36:20 George Kamel? Yep.
36:20 Rachel Cruze? But then I will say, it's the weird psychological thing as they're reading out the numbers. I've done it twice in my life. For a split second, I really do believe I'm gonna win.
36:29 George Kamel? It's me. Guys, they're gonna say my number.
36:31 Rachel Cruze? I'm not kidding. And then I have to keep, I have to think, how am I gonna message this? Because I've told people not to play.
36:36 George Kamel? Well, you have to hide it.
36:36 Rachel Cruze? And here I am. I'm about to, I'm about to win.
36:39 George Kamel? Tell nobody.
36:40 Rachel Cruze? I'm about to win.
36:41 George Kamel? That's rule number one.
36:42 Rachel Cruze? Hundreds of millions of dollars.
36:43 George Kamel? Rule number one of Fight Club and winning the lottery, don't talk about it.
36:48 Rachel Cruze? Have you won before and you're not telling us?
36:50 George Kamel? No. If I won, I wouldn't be on this show.
36:53 Rachel Cruze? Okay, okay.
36:55 George Kamel? No offense.
36:55 Rachel Cruze? Well said.
36:56 George Kamel? You know what I do like, though? There's like the $5 crossword ones.
37:00 Rachel Cruze? Okay.
37:01 George Kamel? Where like you're filling out entire words. That one is fun to me because it takes me like 15 minutes. So like, okay, you know, pound for pound, the price I paid for the ticket and the enjoyment I got out of it, it's a fun Christmas gag gift.
37:13 Rachel Cruze? Okay, yeah, yeah, yeah.
37:13 George Kamel? So I might do that at Christmas time for family.
37:16 Rachel Cruze? Sure, sure.
37:17 George Kamel? We all get to like do our little scratch off.
37:19 Rachel Cruze? Yeah, and that's the, yeah, that's the area.
37:20 George Kamel? But if it's a habit in your life, like there's some underlying financial problems.
37:24 Rachel Cruze? Yeah, and if you need to find money, we actually have a great tool, the Money Finder. So we'll put the link down below, but it's a great kind of audit of everything.
37:32 George Kamel? Yes.
37:32 Rachel Cruze? Looking over your life to find the margin, find the extra cash if you need it.
37:36 George Kamel? And it's kind of guaranteed.
37:37 Rachel Cruze? Instead of depending on the lottery.
37:38 George Kamel? You'll win your own money.
37:39 Rachel Cruze? Yeah, this is actually you doing it, like a very realistic way to get some money, so.
37:43 George Kamel? So we'll drop a link in the description to that if you're interested in that Money Finder. Next, you're guilty of this one, Rachel.
37:49 Rachel Cruze? Oh no, what is it?
37:50 George Kamel? Fast fashion.
37:51 Rachel Cruze? Mmm.
37:53 George Kamel? I'm a slow fashion guy. I'm usually behind the curve, not on trend, just slightly behind.
38:00 Rachel Cruze? No, you are on trend.
38:01 George Kamel? I still have no show socks.
38:03 Rachel Cruze? It was just great, right? Oh no, they're big on just showing the socks now.
38:07 George Kamel? They love to show some sock.
38:09 Rachel Cruze? They love to show a sock.
38:10 George Kamel? That's what we want, is more white sock.
38:12 Rachel Cruze? We just need a sock, yeah. I know.
38:14 George Kamel? Don't understand it. Why would I hide these ankles under a bushel? No, thank you.
38:20 Rachel Cruze? I will say, the workout gear these days, it's like you're going to a fashion show. I mean, like, I pass girls on like the trail, and I'm in like a old tank top and shorts and my show socks. My ankle socks. I'm a very, very-
38:36 George Kamel? Allo and Lululemon?
38:37 Rachel Cruze? I'm a very, uh, my sock game is like the wor- it's not even no show. They like show a little. It's like the ankle socks. It's like the worst of the worst. My athletic socks.
38:45 George Kamel? Either hide it or flaunt it.
38:46 Rachel Cruze? I got my tennis shoes and I got my, I got my audiobook in and I'm walking my trail. I'm trying to get my 10,000 steps, you know? And yes, these women will pass me with like matching this scrunched up aloe socks with nice tennis-
38:57 George Kamel? Are they like influencers?
38:58 Rachel Cruze? I don't know, but I just think like, good for you. You know what I mean? Like, good for you. But there is, it's a, it's a whole fashion statement. The workout world.
39:08 George Kamel? I would love to work out and look good doing it. That is a pipe dream for me at this point.
39:11 Rachel Cruze? It's pretty, pretty impressive. But no, fast fashion. So I don't do like Timu and like all, I don't do like this-
39:19 George Kamel? Shein?
39:20 Rachel Cruze? Shein. I don't do Shein. I do Amazon. So I think that probably-
39:23 George Kamel? That counts as fast fashion for sure.
39:25 Rachel Cruze? Yeah. Target?
39:27 George Kamel? Ooh. That's probably like-
39:30 Rachel Cruze? Mid?
39:31 George Kamel? Mediocre to your fashion.
39:33 Rachel Cruze? So Amazon, Target would be my go-to.
39:34 George Kamel? Not super fast, but-
39:36 Rachel Cruze? Yeah.
39:36 George Kamel? You can do slower.
39:37 Rachel Cruze? Yes. You can go slower.
39:39 George Kamel? But like, what's on the other side? Sustainably sourced?
39:42 Rachel Cruze? Well-made, uh, yeah, well-made.
39:45 George Kamel? Stuff you're not gonna replace in three months.
39:46 Rachel Cruze? That's right. Yeah, yeah, yeah. Totally, totally.
39:48 George Kamel? But that one, I think a lot of people are guilty of, understandably.
39:51 Rachel Cruze? Yeah, for sure. But, you know, it is what it is. But when I do pay for my clothes, on my Amazon account, all of it, I use my Fairwins debit card.
40:02 George Kamel? You got that tied to it?
40:03 Rachel Cruze? Yes, I do. Yep. So Fairwins is an amazing credit union, you guys. So if you're looking for a bank, or even if you're not, like the switch over from your current bank to Fairwins.
40:13 George Kamel? Even if you add it to your banking mix, it's worth it.
40:15 Rachel Cruze? Yes, that's right. It's so easy. It is. It's so easy to use, so easy to set up. And if you do the Smart Bundle, you get a no-fee checking account. You get up to 10 high-yield savings accounts, which is amazing.
40:27 George Kamel? I have yet to see that. Where you have the high yield savings connected to checking, which is great for easy transfers.
40:32 Rachel Cruze? Back and forth, yes.
40:33 George Kamel? And you have 10 different accounts for like sinking funds. You want to save up for the car, the vacation. You can keep it all separated, which I love.
40:40 Rachel Cruze? It's beautiful.
40:40 George Kamel? To your market for different things.
40:41 Rachel Cruze? That's right.
40:42 George Kamel? And the Ramsey Dead as Normal Be Weird debit card.
40:44 Rachel Cruze? I know. We love the debit card.
40:46 George Kamel? Which I have now added to my Apple Pay.
40:48 Rachel Cruze? Apple Pay it.
40:49 George Kamel? Double tap when I'm paying and that they go, whoa, what's that about? I go, none of your business.
40:54 Rachel Cruze? None of your business.
40:54 George Kamel? Check it out. Fairwins.org/Ramsey if you're so interested.
40:57 Rachel Cruze? Yeah.
40:58 George Kamel? But really, that's where you can go to get the smart bundle completely free. Fairwins.org/Ramsey. Go check it out.
41:04 Rachel Cruze? Oh, man. Well, George, we're not going to be falling for anything this year. I have a feeling.
41:09 George Kamel? Famous last words.
41:10 Rachel Cruze? We're going to be on it. We're going to be on it with our purchases.
41:13 George Kamel? You know what I just fell for? The Bluey Bounce House.
41:16 Rachel Cruze? Wow. You bought a bounce house. That's one purchase we never did.
41:20 George Kamel? I think it's at my doorstep right now.
41:22 Rachel Cruze? Sweet. You know what, Mia? No, I bet it's in the, I bet it's one of those like plugins. So easy.
41:27 George Kamel? It comes with its own inflator. Trust me, I checked.
41:29 Rachel Cruze? Okay, yeah. Okay, is it Bluey's like ears? I was like the top.
41:32 George Kamel? That's a good question.
41:33 Rachel Cruze? We used to get a picture.
41:35 George Kamel? Yes, but here's why we did it.
41:36 Rachel Cruze? It's so cute.
41:37 George Kamel? My sweet toddler has had Passies in and she's almost, she's turning three. She's still got the Passy. So we said, hey, the Passy Fairy said, if you only use the Passies in the crib, that she'll give you the Bluey Bounce House that we saw at Sam's Club.
41:54 George Kamel? And so we had to
41:55 Rachel Cruze? George, I love that you're the cheapest.
41:57 George Kamel? Manipulate our toddler with a $300 Bounce House.
42:00 Rachel Cruze? You are the cheapest man on the planet. And he's like, Mia, do we need to get rid of Passies? Sweet. Let's go buy, my kids, I was like,
42:07 George Kamel? It worked.
42:07 Rachel Cruze? Stop. Just take them out.
42:08 George Kamel? I got on the phone with the Passy Fairy and said, hey, she's wondering, are you sure you understand the terms and conditions?
42:13 Rachel Cruze? Stop it. Stop it.
42:13 George Kamel? You cannot have the Passy outside of the crib.
42:15 Rachel Cruze? What a soft heart.
42:17 George Kamel? But you know what?
42:18 Rachel Cruze? Y'all, do you see this melting in front of us?
42:20 George Kamel? I went, $300 is cheaper than the palate expander I'm going to need to get for her dental work. Because her teeth are so jacked from the Passy in her mouth at all times.
42:30 Rachel Cruze? Okay. Do you know what some people do is that you put the Passy on a balloon and you let it go? Like, that's a free way of just getting rid of the Passy.
42:37 George Kamel? And have her scream in agony as I can't reach it to bring it back.
42:41 Rachel Cruze? And then she learns, can't get the Passy. Okay, isn't this funny though? I swear, this is a, I bet there's studies on this.
42:48 George Kamel? Science.
42:49 Rachel Cruze? I feel.
42:51 Rachel Cruze? Uh, more emotional towards Char- I am so much more sensitive with Charles than I am my girls. My girls, I'm like, y'all be fine. Like the past, I'm like, whatever, y'all are good. Opposite with Winston, obviously he's way more sensitive with the girls. With Charles, he's like, he needs to like toughen up, you know? The opposite sex, like, parenting thing is real. So you buying Mia, you would never do that with Henry.
43:09 George Kamel? No. Give him a stick. He's fine.
43:12 Rachel Cruze? No, on a stick.
43:13 George Kamel? He's a grown man. Don't kill something and drag it home.
43:18 George Kamel? My daughter, no.
43:20 Rachel Cruze? $300 bottle tells for you.
43:21 George Kamel? Not on my watch.
43:21 Rachel Cruze? Yeah, I know.
43:22 George Kamel? And she just got the Bluey trampoline from my parents, from her grandparents, so. She's Bluey'd out right now. She's never even seen the show.
43:29 Rachel Cruze? Wait, what?
43:31 George Kamel? We've already given Bluey so much money.
43:33 Rachel Cruze? Stop it. You gotta watch the show. The show's fantastic.
43:36 George Kamel? She's not allowed to watch. She's not allowed to watch. Not my rules, not my house. All right? I'm just, I just.
43:42 Rachel Cruze? Okay, well, before we get to our guilty as charged segment, uh, let's share the details of the drink and the rating.
43:48 George Kamel? This is a Gin Daisy. Who finished first? I think we're equal.
43:52 Rachel Cruze? We might be equal, George, look at us.
43:54 George Kamel? That's a first.
43:57 Rachel Cruze? I mean, I make up 10. I would order this. If a bunch of girls were like, hey, let's get the-
44:02 George Kamel? This is a Gin Daisy. If, I'm trying to think if this was at a happy hour, would I purchase and enjoy? Yes.
44:07 Rachel Cruze? I would. I would too.
44:08 George Kamel? Uh, I'm gonna give this, I'm gonna give this a rare 10 out of 10.
44:11 Rachel Cruze? That's what I just gave. Did you hear me?
44:13 George Kamel? I was ignoring you.
44:16 Rachel Cruze? Same rating, y'all.
44:17 George Kamel? I was trying to not let that cloud my judgment.
44:20 Rachel Cruze? Okay, sorry, sorry.
44:22 George Kamel? No, but I think it was a perfect, it's a perfect, like, summertime drink. So it's got gin, orange liqueur, lemon juice, grenadine and club soda. Comes out to $4.15. Not a cheap drink by our standards, but what you'd pay out at a cocktail bar would be quadruple.
44:40 Rachel Cruze? Yeah, for sure.
44:41 George Kamel? After tax. So go, uh, check it out for yourself. Get the recipe in the show notes. Give it a try this weekend if you're of age.
44:47 Rachel Cruze? Um, what's the Italian drink?
44:48 George Kamel? It's got a mint and a lemon wedge in it as well, which I think really adds to it. Or lemon wheel. I apologize to wedges. For sullying their good name.
44:58 Rachel Cruze? What's the, uh, what's like the classic, uh, Aperol spritz?
45:01 George Kamel? Oh, yeah.
45:02 Rachel Cruze? Um, maybe because it's the color of it, but it remind, it's like, it feels like an Italian cocktail. Yeah.
45:07 George Kamel? I love it. It's got the perfect amount of acidity, sweet.
45:12 Rachel Cruze? So good.
45:12 George Kamel? Check it out.
45:13 Rachel Cruze? All right, now it's time for
45:15 George Kamel? Guilty as charged.
45:17 Rachel Cruze? And this is where we ask each other a new guilty as charged question every week. And if we're guilty, we take a sip. All right, George, have you ever bought something for your kids that ends up being for you?
45:30 George Kamel? I'm gonna go into the future here and say that Bluey Bounce House is gonna be where I hang out.
45:37 Rachel Cruze? It's gonna be your place, your place of fun.
45:39 George Kamel? The one thing that we consistently buy for my child is popsicles. It's like our
45:45 Rachel Cruze? Okay.
45:45 George Kamel? Get out of jail free card.
45:47 Rachel Cruze? What's, what's the brand? Where are you getting it? I heard Costco has some great ones.
45:51 George Kamel? So we're pretty like, we don't want her to be sugared up.
45:54 Rachel Cruze? Yes.
45:54 George Kamel? So we get these Johnny Pops and they're the minis.
45:57 Rachel Cruze? Okay, okay.
45:58 George Kamel? Because it's like three grams of sugar or something. And she, she loves it. There's a birthday like cream one and there's like a orange creamsicle.
46:06 Rachel Cruze? Where do you buy them?
46:08 George Kamel? Usually I wait for them to go on sale at Kroger.
46:10 Rachel Cruze? Okay.
46:10 George Kamel? So and if you buy like five, they're like an extra dollar off. So I'm very frugal with it because they're, they're
46:15 Rachel Cruze? They're gonna be pricey, yeah.
46:16 George Kamel? Comes out to like three or four bucks for a box of like
46:18 Rachel Cruze? Okay, so our neighbors had some Push Pops yesterday, but she got them from Costco and they're all natural.
46:22 George Kamel? The organic ones, I've seen those.
46:24 Rachel Cruze? I don't know, but
46:24 George Kamel? We have those as well.
46:25 Rachel Cruze? You do? Okay, so I'm gonna buy those this summer.
46:28 George Kamel? Cause I realized like the ice cream truck rolled by and I was like, I don't want my daughter eating Blue 42 right now. You know, all of a sudden I'm very fan. I'm like, when we were kids, we would drink those little like, remember those little grenade?
46:41 Rachel Cruze? Oh.
46:41 George Kamel? Things?
46:42 Rachel Cruze? Yes.
46:42 George Kamel? Were they called? They were like bright blue, bright red, bright orange.
46:46 Rachel Cruze? I just remember the, the wax.
46:48 George Kamel? Yes.
46:49 Rachel Cruze? The wax drinks, remember those?
46:50 George Kamel? Oh, those were good.
46:51 Rachel Cruze? And you do the screw top or like the little top off? That was all red 40, 100%.
46:57 George Kamel? Yep.
46:57 Rachel Cruze? Yeah.
46:58 George Kamel? But we, we made it.
46:58 Rachel Cruze? We survived.
46:59 George Kamel? We had popsicles, like when she wants a popsicle, I'm like, well, solidarity. We're gonna eat a popsicle on the porch.
47:05 Rachel Cruze? Gotta go with you.
47:06 George Kamel? I can't leave her hanging.
47:06 Rachel Cruze? Yeah, so you're buying these popsicles for her, but really.
47:10 George Kamel? They're for me.
47:11 Rachel Cruze? Dad loves a popsicle.
47:12 George Kamel? Yeah. How about you?
47:14 Rachel Cruze? Um, I probably, you know, it's funny, my girls, my, well, Amelia, she's about to be in middle school.
47:22 George Kamel? That's mind blowing.
47:23 Rachel Cruze? So she is starting to ask for like, middle school girl things, like cute claw clips and like, um, face sprays and like, you know what I mean? Like they're kind of getting into that pre teenage of stuff. And so, uh, I do remember buying her like a thing of claw clips for Christmas and they were so cute. So I do, I remember thinking like,
47:43 George Kamel? You used them?
47:43 Rachel Cruze? They're from Amazon. Yes. And there was like a 20 pack. And I'm like, well, I'm gonna take eight of them for sure.
47:48 George Kamel? She won't know.
47:48 Rachel Cruze? Out of the pack and yet give to her. And then I got her like these face spray things from, uh, I think they're from Target, but they came in like a, there was like four of them in a thing. So at night, maybe every now and then, so I'm putting her to bed, we're doing our prayers and they go in there and spray a little, I'm adding that to my skincare routine.
48:06 George Kamel? Look at that.
48:07 Rachel Cruze? I probably do it twice a week. Yeah. It just kind of feels good.
48:10 George Kamel? Are middle schoolers already like getting into skincare routines or like makeup?
48:13 Rachel Cruze? George, I'm about to blow your mind.
48:16 George Kamel? I'm so nervous.
48:17 Rachel Cruze? Elementary school girls. Yes.
48:20 George Kamel? Like first, second, third grade?
48:22 Rachel Cruze? I'm telling you, yes.
48:22 George Kamel? Makeup?
48:23 Rachel Cruze? And listen, I, as a mom, I like, I, I said a lot of things of like, I would never, whatever, whatever, whatever. And then you get there and you're like, okay, I'm going to reevaluate life. It's a very humbling thing. It really is. Cause you can have your stances of like, I'm in it.
48:39 George Kamel? But if you're not in that phase.
48:40 Rachel Cruze? Then you get there and sometimes you're like, you know, um, but that is one thing, like Caroline, my middle, or yeah, she wants a lot. She's into it more than my oldest. So I have had to.
48:50 George Kamel? Caroline is like a mini you as far as personality.
48:53 Rachel Cruze? So there are things I'm like, girlfriend, you don't need like, you could have like the fun, like nail polish that like comes off when you wash your hand. Like a couple of girly things. I'm fine with that. But some of these girls, again, it's not a right or wrong. Cause I, I get it, but it's a, they have full-on, yeah, skincare routines. And like, so we have held off on that a little bit. But Amelia's starting to get in it, and she's in middle school. So I am gonna open that door a little bit more and be like, girlfriend? Yeah, alright, let's uh, let's just go shopping.
49:20 George Kamel? You're gonna do a get ready with me with her?
49:22 Rachel Cruze? No, oh god, no, no.
49:24 George Kamel? That would be a pretty cute video, though, you have to admit.
49:26 Rachel Cruze? I say that now, then watch someone pull a clip in 2028.
49:29 George Kamel? With social teams, Rachel, we need a good get ready with me with you and Amelia.
49:32 Rachel Cruze? All humility here, all humility, but no, that will not be the plan, but.
49:36 George Kamel? Wow.
49:37 Rachel Cruze? Uh, yeah, so I would say that.
49:38 George Kamel? Glad we're both guilty of that.
49:39 Rachel Cruze? I would say that, yeah, cheers, cheers, cheers, oh. Well, if you have a guilty as.
49:44 George Kamel? Sorry.
49:47 Rachel Cruze? Good?
49:48 George Kamel? Wrong pipe?
49:49 Rachel Cruze? Wrong pipe, went down the wrong way. Well, if you have a guilty as charge question for us, make sure to DM us at Rachel Cruz and at George Camo, we love seeing them. And if you love this episode, then you are going to love our episode on financial experts rank the worst spending habits. We will link it for you, and make sure to subscribe so you don't miss an all-new episode of.
50:09 George Kamel? Smart Money Happy Hour.
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