Explaining the Lore Behind Ramsey Slang (“Plastic” Surgery?)

Get your ticket for Investing Essentials today! If you’ve ever wondered what phrases like “clock the tea” or “rice and beans” mean—today’s episode is for you. We’re decoding trendy and financial slang (and of course, addressing the haters along the way!) Next Steps: · 🎙️ Catch our episode Old School Money Habits Making a Comeback? (We Have Thoughts) · 💵 Create a free budget and find more margin with EveryDollar. · 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour · 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 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: 🥃 Italian Greyhound Recipe By: nikki.sips · 1.5 ounces vodka or gin · 3/4 ounce Aperol · 1 ounce freshly squeezed grapefruit juice · 1/2 ounce simple syrup · Grapefruit soda, to top · 2 grapefruit wheels · 1 sprig of thyme Instructions: Prep your glass by lining with grapefruit wheels and filling with ice—set in the freezer while you prepare your cocktail. In a shaker, combine spirit, Aperol, simple syrup, and grapefruit juice. Shake with ice for 8 seconds and strain into prepped glass. Top with grapefruit soda and garnish with a sprig of thyme. Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 📈 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?

  If you don't know what "clock the tea in rice and beans" means, today's episode is for you. We are decoding trendy and financial slang and as always, addressing the haters. Time to do some plastic surgery, get a little plasectomy going.

• 0:17Rachel Cruze?

  Ooh, pick me, pick me. Well, I've had it for 11 years and I-

• 0:20George Kamel?

  Katie, the horse doesn't even know your name!

• 0:28Rachel Cruze?

  Hey guys, I'm Rachel Cruz.

• 0:30George Kamel?

  I'm George Kamel.

• 0:32Rachel Cruze?

  And this is-

• 0:33George Kamel?

  Smart Money Happy Hour.

• 0:36Rachel Cruze?

  Cheers, George.

• 0:40George Kamel?

  That was confident. We meant it.

• 0:42Rachel Cruze?

  Oh, what, our cheers?

• 0:43George Kamel?

  Just the Smart Money Happy Hour. Sometimes it really hits.

• 0:46Rachel Cruze?

  Well, that intro, fun fact, we don't have teleprompters at all on this set. And so George memorizes word for word the intros.

• 0:53George Kamel?

  Just that one line I have to memorize.

• 0:55Rachel Cruze?

  Yeah, but that was a long one and when you did it, we were all cheering for you.

• 0:58George Kamel?

  Would anyone care if I read it? It just feels less authentic.

• 1:01Rachel Cruze?

  Oh, that's true. You could have read it.

• 1:02George Kamel?

  If you don't know, that feels lame.

• 1:05Rachel 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.

• 1:11George Kamel?

  And before we get into the decoding, we're gonna talk about the drink. It is the Italian Greyhound.

• 1:17Rachel Cruze?

  May I say, fantastic. Not a fan of the dog necessarily, but this?

• 1:21George Kamel?

  Well, Greyhound is another drink.

• 1:23Rachel Cruze?

  Oh, it is?

• 1:24George Kamel?

  Yes.

• 1:25Rachel Cruze?

  What is that?

• 1:25George Kamel?

  Vodka and grapefruit juice.

• 1:27Rachel Cruze?

  That's called a Greyhound?

• 1:28George Kamel?

  Yes. So this adds to it by making it Italian with the aperol.

• 1:31Rachel Cruze?

  Oh my-

• 1:32George Kamel?

  Which we'll get into. I was so excited to teach you about it, but I knew you would not care. I needed you to be intrigued.

• 1:38Rachel Cruze?

  I cared. Did you just see that? I really cared.

• 1:40George Kamel?

  That was the most I've gotten out of you.

• 1:41Rachel Cruze?

  Yeah.

• 1:42George Kamel?

  This is great. Stick around till the end of the episode. We're gonna give you our rating and reveal the cost per glass.

• 1:46Rachel Cruze?

  Love it.

• 1:47George Kamel?

  All right, today we're decoding Ramsey-isms. But before we elaborate, we're gonna attempt to decode some new to us, or at least me, Gen Z terms. You may be more hip to them.

• 1:57Rachel Cruze?

  Oh, I don't know. Possibly. You know, in society, we love to hate on the younger generations, you know? But Gen Z, they got a lot-

• 2:04George Kamel?

  We're just jealous, because they're bossing us around.

• 2:06Rachel Cruze?

  Yeah, they know what they're doing. They're a great generation.

• 2:09George Kamel?

  From clothing trends to the slang, we all just go, "Okay, we're doing this now."

• 2:12Rachel Cruze?

  We'll do it if you say it.

• 2:14George Kamel?

  We're doing the wide leg.

• 2:15Rachel Cruze?

  We'll do- I know. You know what I fell for?

• 2:17George Kamel?

  What's that?

• 2:18Rachel Cruze?

  Ugh.

• 2:19George Kamel?

  Oh, no.

• 2:19Rachel Cruze?

  And I said, "Never." I think, actually, I said it on an episode, that I will never- Barrel jeans.

• 2:24George Kamel?

  Barrel jeans?

• 2:26Rachel Cruze?

  Bought a pair.

• 2:27George Kamel?

  Why am I thinking like a cowboy wrangler?

• 2:29Rachel Cruze?

  That's kinda what it looks like.

• 2:30George Kamel?

  Barrel?

• 2:32Rachel Cruze?

  Yeah, it's like wide leg, but it's the shape of it.

• 2:35George Kamel?

  It's got a slight-

• 2:36Rachel Cruze?

  On the ends, yes. I didn't think they were really cute, but I felt cool, you know?

• 2:39George Kamel?

  You did.

• 2:40Rachel Cruze?

  Yeah.

• 2:41George Kamel?

  Are we getting to like-

• 2:42Rachel Cruze?

  I think I'll wear them next year.

• 2:44George Kamel?

  MC Hammer Aladdin pants at this point? Are we there?

• 2:47Rachel Cruze?

  Uh, it's, yeah, borderline.

• 2:49George Kamel?

  Okay.

• 2:50Rachel Cruze?

  Yeah.

• 2:50George Kamel?

  I think someone's trolling. Someone's going, "How wide can we go before the millennials say something?"

• 2:55Rachel Cruze?

  Yes. Hey, we went, we are, remember, skater type?

• 2:59George Kamel?

  Jinkos.

• 3:00Rachel Cruze?

  Jinkos and ma- massive baggy jeans.

• 3:03George Kamel?

  Oh, yeah.

• 3:03Rachel Cruze?

  And the sagging. Remember that?

• 3:05George Kamel?

  Yeah.

• 3:05Rachel Cruze?

  Remember sagging? What were people doing? Are they still doing- they're not doing that anymore.

• 3:09George Kamel?

  Well, here's some good trends going on with Gen Z. Compared to other generations, they have some of the lowest debt. Probably because their millennial and Gen X parents are still trapped in student loan payments and they've scared them.

• 3:20Rachel Cruze?

  Yep. They're very open to budgeting and they think they invented cash stuffing, which is AKA the envelope system. They didn't invent it, but they brought it back and we are all for it for them.

• 3:30George Kamel?

  Yeah, I'm not mad about it. Yeah, they're basically the purveyors of culture at this point.

• 3:35Rachel Cruze?

  Yes.

• 3:36George Kamel?

  And any cool internet slang I've ever heard was created by 19-year-old barista in Portland with a mullet. That was my version. So let's see if you can guess these, Rachel. We're gonna decode some Gen Z slang.

• 3:46Rachel Cruze?

  I'm not even gonna pronounce them if I have to read any of these.

• 3:48George Kamel?

  I'll try to read them and you guess what they mean. How about that?

• 3:50Rachel Cruze?

  Okay, that's funny. Okay.

• 3:52George Kamel?

  Skibidi.

• 3:53Rachel Cruze?

  Skibidi do da, skibidi eh.

• 3:55George Kamel?

  Maybe that's where it came from.

• 3:57Rachel Cruze?

  Oh my-

• 3:57George Kamel?

  Although I think that was-

• 3:58Rachel Cruze?

  I think it means, "It's wonderful. It's so good. So cool. Skibidi."

• 4:02George Kamel?

  Uh, it's a filler word that means anything from cool slash awesome to weird or dumb. So anywhere, somewhere between really cool and dumb.

• 4:11Rachel Cruze?

  Wow.

• 4:12George Kamel?

  Yeah.

• 4:13Rachel Cruze?

  Those Gen Z'ers really keeping us on our toes.

• 4:15George Kamel?

  Sometimes you just need a word that does it all.

• 4:18George Kamel?

  I just can't think of anything, so it's skibidi.

• 4:20Rachel Cruze?

  So would you say like, "Those are skibidi shoes."

• 4:23George Kamel?

  I don't know that you would say, "Those are skibidi shoes."

• 4:25Rachel Cruze?

  Can you use it in a sentence?

• 4:26George Kamel?

  Um, let's see. No, you can't. It's not a sentence word.

• 4:30Rachel Cruze?

  Okay, okay.

• 4:30George Kamel?

  It's its own sentence.

• 4:32Rachel Cruze?

  Oh, you say it by itself. Like, that's skibidi.

• 4:33George Kamel?

  I think it's its own thing.

• 4:34Rachel Cruze?

  That's skibidi.

• 4:35George Kamel?

  It's singular.

• 4:36Rachel Cruze?

  Skibidi. Or you just say, "Skibidi." If you're like, "I like this cocktail," I'll be like, "Skibidi."

• 4:40George Kamel?

  Yeah, that works.

• 4:42Rachel Cruze?

  I can't do it.

• 4:43George Kamel?

  All right, next up, maxing. So looks maxing, vibes maxing.

• 4:48Rachel Cruze?

  Oh, it's up.

• 4:49George Kamel?

  To maximize something.

• 4:51Rachel Cruze?

  The limit is high, you are doing the most.

• 4:53George Kamel?

  Doing the most of that thing.

• 4:55Rachel Cruze?

  Is that true?

• 4:56George Kamel?

  Yeah, to maximize something.

• 4:57Rachel Cruze?

  Yeah.

• 4:58George Kamel?

  I mean, the word's kind of in there, maxing.

• 4:59Rachel Cruze?

  Okay, well-

• 4:59George Kamel?

  You know what we need to bring back? How about this one?

• 5:02Rachel Cruze?

  Uh huh.

• 5:02George Kamel?

  We're inventing it. Budget maxing.

• 5:04Rachel Cruze?

  Ah, we should do the most with the budget.

• 5:07George Kamel?

  There we go.

• 5:08Rachel Cruze?

  Budget maxing.

• 5:09George Kamel?

  Wealth maxing. Let's max out that Roth IRA.

• 5:12Rachel Cruze?

  Debt snowball maxing, do it to the max.

• 5:15George Kamel?

  Ooh, emergency fund maxing. I don't think they're gonna let us come up with these.

• 5:20Rachel Cruze?

  Is that how you- do you use that one in a sentence?

• 5:22George Kamel?

  Yeah.

• 5:22Rachel Cruze?

  Okay.

• 5:23George Kamel?

  Like, "Oh, he's totally looks maxing."

• 5:24Rachel Cruze?

  So maxing. I like that one.

• 5:27George Kamel?

  I think you said something before maxing.

• 5:27Rachel Cruze?

  All right, so far, I'm gonna take that one.

• 5:28George Kamel?

  You need to put something in front of maxing for it to work.

• 5:31Rachel Cruze?

  He's maxing, she's maxing, it's maxing.

• 5:33George Kamel?

  Yeah. Like Dave on air might be boomer maxing. When he's talking about affordability.

• 5:38Rachel Cruze?

  Uh huh.

• 5:38George Kamel?

  "I'll give you affordability," you know?

• 5:40Rachel Cruze?

  Yeah, yeah, yeah.

• 5:40George Kamel?

  One of those rants?

• 5:41Rachel Cruze?

  Oh, just, yeah, we love rants.

• 5:43George Kamel?

  Yes, we love a good boomer maxing. All right, next up, this is related, mugging. They kinda live in the same family.

• 5:49Rachel Cruze?

  I was thinking, "Steal it," because it's so cool, like mugging.

• 5:53George Kamel?

  Okay. You're not super far off.

• 5:55Rachel Cruze?

  Mugging.

• 5:57George Kamel?

  So usually it's like-

• 5:58Rachel Cruze?

  I'm taking it. It's great.

• 5:58George Kamel?

  Your height mugging, your face mugging.

• 6:01Rachel Cruze?

  Face mugging. Wow.

• 6:03George Kamel?

  To outshine or dominate in something. So maybe your outfit mugging. Because everybody always wants to know, "What's Rachel wearing?" Drop a link.

• 6:10Rachel Cruze?

  Okay, like the Lakers mugging.

• 6:14George Kamel?

  Lakers?

• 6:15Rachel Cruze?

  Yeah, didn't they do- no, the Knicks!

• 6:18George Kamel?

  Even I know that.

• 6:19Rachel Cruze?

  Shoot! But I'm just thinking of like a cool team that's like doing great. You're like, "They're so mugging."

• 6:24George Kamel?

  Sure. All right, lore.

• 6:28Rachel Cruze?

  Luring you in.

• 6:29George Kamel?

  Nope, lore, L-O-R-E. I think you were thinking of lure. Lure versus lore.

• 6:35Rachel Cruze?

  Lore. Lore. Lore?

• 6:38George Kamel?

  Like legend and lore. Lore has it. I'm really giving it to you at this point.

• 6:44Rachel Cruze?

  I got nothing.

• 6:44George Kamel?

  It's the background story. That's it.

• 6:46Rachel Cruze?

  Give me the lore.

• 6:47George Kamel?

  Yeah, what's the lore?

• 6:48Rachel Cruze?

  Give me the tea. That's what I'd like to say.

• 6:50George Kamel?

  I think that one's over. We're gonna get to a tea-related slang.

• 6:53Rachel Cruze?

  I love, can I tell you? Um, I love when they're like, "Hey, yeah, give me the tea."

• 6:58George Kamel?

  Spell the tea?

• 6:58Rachel Cruze?

  And the best, was one of my friends was like, "I have news I have to tell you." And I did the tea emoji reaction to the text! And I thought, "Oh my god, the teapot?" I thought, "Oh my gosh."

• 7:11George Kamel?

  That's so fun. Invite me in the group text sometimes. Just throw me in there. Don't tell anyone.

• 7:15Rachel Cruze?

  I love a tea. Give me a tea emoji. I think that's really fun.

• 7:19George Kamel?

  Well, guys are notoriously not good at tea. They don't have it. They never have the tea.

• 7:24Rachel Cruze?

  So tea is in for me, lore is out.

• 7:27George Kamel?

  Lore is out. Okay, what about chopped?

• 7:29Rachel Cruze?

  Um-

• 7:30George Kamel?

  Or choppelganger?

• 7:32Rachel Cruze?

  Chopping it. Chopping it. Killing it. Doing good.

• 7:36George Kamel?

  Oh, I think it's the opposite.

• 7:37Rachel Cruze?

  Oh, oh, we chopped it.

• 7:39George Kamel?

  I think like, "Oh, broccoli's chopped." Yeah. Choppelganger, a less attractive, off-brand, or downgraded version of something.

• 7:47Rachel Cruze?

  Doppelganger, choppelganger. Okay, wow, yeah.

• 7:50George Kamel?

  You with me?

• 7:51Rachel Cruze?

  Chopped.

• 7:52George Kamel?

  Wow.

• 7:53Rachel Cruze?

  Just saying it over and over again.

• 7:54George Kamel?

  Here we go. You know core. Core's on here.

• 7:57Rachel Cruze?

  Mm, use it in a sentence.

• 7:59George Kamel?

  Uh, "Used interchangeably with culture or vibes." Paris Hilton core, toting a small sassy dog in a Louis Vuitton carrier.

• 8:06Rachel Cruze?

  Okay, yes, I have heard this, yes.

• 8:08George Kamel?

  So like Miley core, hockey core, it could be anything core.

• 8:10Rachel Cruze?

  It's a core, yes.

• 8:11George Kamel?

  Ramsey core.

• 8:12Rachel Cruze?

  Yeah, yeah, I've heard this.

• 8:13George Kamel?

  You know?

• 8:13Rachel Cruze?

  Yep, yep. I like that one.

• 8:14George Kamel?

  All right, pick me energy.

• 8:16Rachel Cruze?

  Ah, I love that. It's like, "You're cool, you're great, you're gonna pick me for the team."

• 8:22George Kamel?

  Nope. Think, "Ooh, pick me, pick me." What is that, what's that giving?

• 8:25Rachel Cruze?

  Oh, no, needy. You're needy?

• 8:27George Kamel?

  It's when someone's trying to be unique in order to get attention. It's a sort of a desperate-

• 8:31Rachel Cruze?

  Oh, it's a negative pick me energy. Okay.

• 8:33George Kamel?

  Someone tries to humble brag or get praise for something.

• 8:36Rachel Cruze?

  And you're like, "Oh, pick me. Ooh, gross, pick me energy."

• 8:39George Kamel?

  They want the attention.

• 8:40Rachel Cruze?

  Yeah, yeah, yeah, that's pick me energy. We don't like it. "Okay, I'm using that one. I like it."

• 8:45George Kamel?

  I like it a lot! All right, next one, clock the tea.

• 8:49Rachel Cruze?

  Yeah, oh.

• 8:50George Kamel?

  Do you know the hand gesture for this?

• 8:51Rachel Cruze?

  Get the- what?

• 8:53George Kamel?

  Clock the tea.

• 8:54Rachel Cruze?

  That's what I just did.

• 8:55George Kamel?

  Nope. It's like this.

• 8:58Rachel Cruze?

  Okay, um, one of the, Kylie Jenner did this when her husband was like getting an award. She did this. Does that mean clock the tea?

• 9:06George Kamel?

  Okay.

• 9:07Rachel Cruze?

  Like clock the gossip, clock the news, it's happening. Like he's getting the award, is that what that is?

• 9:12George Kamel?

  I think you're close.

• 9:12Rachel Cruze?

  I thought this was a symbol of like a mini applause. Like, "I'm not gonna like-"

• 9:16George Kamel?

  It has been used like that. But it's used when you agree with a bold truth someone said, or someone calls something out. And you're like, "Oh, yep, Rachel got her hair done. Clock the tea."

• 9:28Rachel Cruze?

  Clock the tea?

• 9:29George Kamel?

  No more extensions.

• 9:31Rachel Cruze?

  You got it. I like it.

• 9:32George Kamel?

  I think that's as close as I'm gonna get to describing that one.

• 9:34Rachel Cruze?

  Yes, I like that one.

• 9:35George Kamel?

  All right, aura farming. A-U-R-A, or aura points.

• 9:41Rachel Cruze?

  Aura farming?

• 9:42George Kamel?

  Has nothing to do with farming.

• 9:43Rachel Cruze?

  Uh, you are, um, your aura, your energy, what you're presenting-

• 9:50George Kamel?

  Good.

• 9:51Rachel Cruze?

  Is- Hard at work. It is.

• 9:56George Kamel?

  I think farming is the bad version.

• 9:59Rachel Cruze?

  Okay.

• 9:59George Kamel?

  Because like engagement farming, like you're trying hard to like manufacture it.

• 10:03Rachel Cruze?

  Oh, you're far- okay, yeah, yeah, yeah.

• 10:04George Kamel?

  And then aura points.

• 10:05Rachel Cruze?

  It's not original.

• 10:06George Kamel?

  Yeah.

• 10:07Rachel Cruze?

  Like-

• 10:07George Kamel?

  But aura points is like you do something cool without trying too hard.

• 10:10Rachel Cruze?

  Okay, so those are two opposites. So say-

• 10:12George Kamel?

  Am I right? Is aura farming a negative? It feels negative.

• 10:17George Kamel?

  Oh, okay, that's from the audience. That's Rachel Cruz's daughter, who's telling us what aura farming is.

• 10:24Rachel Cruze?

  Aura farming.

• 10:25George Kamel?

  It's like, "I have skateboard skills you might not be aware of."

• 10:27Rachel Cruze?

  Yeah.

• 10:28George Kamel?

  "I get some aura points for that. I can't help it."

• 10:30Rachel Cruze?

  Yeah, but what's your farming?

• 10:31George Kamel?

  If I'm aura farming, I'm like bringing out the-

• 10:33Rachel Cruze?

  Oh, you're looking for it.

• 10:34George Kamel?

  I think.

• 10:35Rachel Cruze?

  Okay, yeah, yeah, yeah, yeah.

• 10:36George Kamel?

  And now I'm second guessing it.

• 10:38Rachel Cruze?

  Okay.

• 10:39George Kamel?

  Thanks.

• 10:40Rachel Cruze?

  Man.

• 10:41George Kamel?

  So helpful. All right, last one, 404 slash 404 coded.

• 10:46Rachel Cruze?

  Um-

• 10:47George Kamel?

  What do you think of when you think 404?

• 10:48Rachel Cruze?

  I went straight to, "What area code is that on your phone?"

• 10:51George Kamel?

  Okay, we're so far off.

• 10:55George Kamel?

  Have you ever gone to a website and there's an error?

• 10:57Rachel Cruze?

  Oh, yes. Not found.

• 10:59George Kamel?

  When something is too difficult. So it's when something is too difficult, cumbersome, like the 404 error code on a device. You're like, alright, that's, this is not worth it.

• 11:09Rachel Cruze?

  Not worth it. Not worth it. Not found.

• 11:11George Kamel?

  Wow. That was a lot.

• 11:13Rachel Cruze?

  Wow, that was a lot, George. I feel like we should be done.

• 11:16George Kamel?

  I think we butchered it. I think we've led so many people astray who now think they know what these mean.

• 11:20Rachel Cruze?

  If you're still listening or watching, good for you. I still just can't get over, I had my one word and I, chugi. Chugi. Still love it. Started using it and then about a week later.

• 11:33George Kamel?

  The irony that the word chugi became chugi is so great. It actually makes me happy.

• 11:38Rachel Cruze?

  It's a great word. I don't know why. It's like one of my favorite descriptions. It's like, so I'm gonna hold that one close to the heart.

• 11:45George Kamel?

  Well, this next round you're gonna nail, because we're not gonna decode sign. We're gonna decode Ramsey-isms. There's a lot of Ramsey-coded phrases, like a dead giveaway someone's familiar with Dave Ramsey or follows Ramsey advice.

• 11:56Rachel Cruze?

  Yes.

• 11:56George Kamel?

  If they say these things.

• 11:58Rachel Cruze?

  Yes. And it's kind of that inside baseball, if you will. So if you've been, if you've been listening and you're gonna know these. But if not, maybe you're tuning in, you hear things, you're like, what is this?

• 12:08George Kamel?

  And next time you hear it, you'll go, oh, I get it.

• 12:09Rachel Cruze?

  We can decode it. Alright, first up, Dave's famous response on The Ramsey Show. "Hey Dave, how are ya?"

• 12:16George Kamel?

  "Better than I deserve."

• 12:18Rachel Cruze?

  Better than I deserve.

• 12:20George Kamel?

  What does it really mean? Because people think it's, he's, he's mugging, but he's not. I'm just saying.

• 12:25Rachel Cruze?

  He thinks he's trying to dominate.

• 12:26George Kamel?

  Better than I deserve, on face value, you're like, what does that mean? Is he saying he's, like, I'm doing pretty well for myself? It's not what it means.

• 12:34Rachel Cruze?

  No, no, no. Better than I deserve. I think, yeah, that he's doing well and deserves, I think it's a spiritual.

• 12:40George Kamel?

  It is.

• 12:41Rachel Cruze?

  So, yes, that like, we deserve as sinners, if we're gonna go there.

• 12:46George Kamel?

  Yes.

• 12:47Rachel Cruze?

  In his mind, right? Like, it's a, yes, we are fallen people. We don't deserve a lot, but because of God's goodness and Jesus, we actually get to have

• 12:56George Kamel?

  Eternal life.

• 12:57Rachel Cruze?

  Great things. Yes, yes. But I also think God just loves us too. I think we are better than, because we are children of God. That's what I'm saying.

• 13:07George Kamel?

  You know what? Use that. Use that on air.

• 13:09Rachel Cruze?

  I'm great, because, yeah, he loves us.

• 13:12George Kamel?

  If I'm gonna say, Rachel, so glad to be on the show. How you doing? I'm a child of God. How are you? Like, this lady's off her rocker, if that's your first response. Wow.

• 13:23Rachel Cruze?

  Yeah, it's a, yeah, better than I deserve is a, is a, it's a humble statement. That I'm doing better than what should be my life.

• 13:30George Kamel?

  But it's tied to his faith journey. Has nothing to do with money.

• 13:33Rachel Cruze?

  No, no.

• 13:34George Kamel?

  Great, we got there. Next up, a classic, rice and beans.

• 13:38Rachel Cruze?

  Rice and beans, beans and rice. Yep.

• 13:40George Kamel?

  So this relates to the, the intensity in which we recommend getting out of debt with. And due to that, you're not going out to eat, you're eating rice and beans, beans and rice. It's simple, it's cheap.

• 13:52Rachel Cruze?

  Cheap. So even at the grocery store, your grocery budget should be cut like, by a fourth or a third when you're getting out of debt. Even that, like, your necessity is food, but even you could spend a ton at the grocery, right? If you're getting like, nice, like meats and you're doing all this stuff and it's like, nope.

• 14:08George Kamel?

  Cut it out.

• 14:08Rachel Cruze?

  Basic. And so have cheap, cheap food, spaghetti, you know, peanut butter and jelly sandwich. It's like, we're gonna go cheap.

• 14:15George Kamel?

  What are the cheap staples that'll create more margin?

• 14:17Rachel Cruze?

  Yep, rice and beans. It's filling. It's got, beans have, beans are great. They're healthy for you.

• 14:23George Kamel?

  Yeah.

• 14:23Rachel Cruze?

  Yeah. So you're getting some nutrition with that diet.

• 14:26George Kamel?

  We love a legume.

• 14:27Rachel Cruze?

  We love a legume.

• 14:29George Kamel?

  I never know how to say it, so I'm just gonna say it wildly every time.

• 14:33Rachel Cruze?

  From the bean family. But yeah, beans and rice, rice and beans, you got, you're eating, you're eating slim.

• 14:38George Kamel?

  It's cheap, it's filling. It'll get you by until you're out of debt, then you can upgrade.

• 14:43Rachel Cruze?

  Then you can enjoy it. Live below your means.

• 14:46George Kamel?

  I like this one.

• 14:46Rachel Cruze?

  We say this a lot. So yeah, your means are, is your income, what you're making. And if you live below what you make, you're not going into debt and you actually will have some money set aside in margin if you live below what you're making.

• 15:01George Kamel?

  So if you make $5,000 a month and your expenses are $3,000, you're living on less than you make, living below your means. You should have $2,000 left over. That's the ideal.

• 15:11Rachel Cruze?

  Yes, because people that live above their means, obviously debt has entered into the picture.

• 15:15George Kamel?

  They are broke.

• 15:16Rachel Cruze?

  And we don't like debt. So that's the key. Yep. Plastic surgery.

• 15:21George Kamel?

  That's a fun one.

• 15:22Rachel Cruze?

  I know, this, I feel like this one has gone away a little bit from the brand. Like, we don't talk about this.

• 15:26George Kamel?

  Dave's also said, "plastectomy."

• 15:28Rachel Cruze?

  A plastectomy, yes, yes.

• 15:30George Kamel?

  He's like, "Time to do some plastic surgery. Get a little plastectomy going." Sounds aggressive. We're talking about cutting up those plastic credit cards. Now it's, they're like titanium.

• 15:40Rachel Cruze?

  Titanium, and you got them on your Apple, you know, on Apple Pay. So you gotta take it off that too. So, yeah, we had one caller.

• 15:47George Kamel?

  Cut it out digitally.

• 15:48Rachel Cruze?

  It was one of our callers, yeah, our caller was, one guy was like, "I don't even really know where the card is, but I have, I just have it on Apple Pay." So we're like, hey, well, delete it. Like, get rid of it. Be done with it.

• 15:57George Kamel?

  That's a good one. But yeah, that was Dave's famous thing, the big scissors, Total Money Makeover, early 2000s. That was his brand.

• 16:04Rachel Cruze?

  Oh, he had a billboard in Nashville that had scissors in one hand and then like, chains in the other because of like, how debt is like, you're a borrower, borrower slave to the lender.

• 16:13George Kamel?

  You're in bondage, yeah.

• 16:14Rachel Cruze?

  Yes, that. He had a milk mustache billboard when I was like, in elementary school, down I-65, and it said, "Got debt?" Question mark. And it was like, "The Dave Ramsey Show." Yeah, oh yeah.

• 16:24George Kamel?

  That's fine.

• 16:24Rachel Cruze?

  Oh, y'all, the, the early 2000s, radio marketing.

• 16:28George Kamel?

  Did nobody think, oh wait, "Got milk" is encouraging people to drink milk? So the billboard is encouraging people to go into debt?

• 16:34Rachel Cruze?

  Got debt?

• 16:35George Kamel?

  They didn't think that one through.

• 16:36Rachel Cruze?

  Well, no, if you got debt, listen to The Dave Ramsey Show.

• 16:39George Kamel?

  Sure.

• 16:41Rachel Cruze?

  Listen, it's still ingrained in my mind as a child, driving down the interstate in Nashville, I'm like, there's my dad.

• 16:47George Kamel?

  Wait, did he have a milk mustache on top of his actual mustache?

• 16:50Rachel Cruze?

  Yes, yes, all of it.

• 16:52George Kamel?

  You think, there was no Photoshop back then, right? He had to actually get a milk mustache.

• 16:57Rachel Cruze?

  That's a great question.

• 16:57George Kamel?

  That's a good one. But the big scissors.

• 16:59Rachel Cruze?

  Cutting those credit cards up. Chop, chop.

• 17:01George Kamel?

  I mean, Financial Peace University, like, seeing him on stage, cut that up. That's a core memory for me.

• 17:05Rachel Cruze?

  Yes, for sure. Next is stupid tax.

• 17:08George Kamel?

  That's a fun one.

• 17:09Rachel Cruze?

  Yes.

• 17:10George Kamel?

  All those terrible financial decisions that cost us.

• 17:12Rachel Cruze?

  Cost us something.

• 17:14George Kamel?

  We feel that, like, oh, why did I do that? That was so dumb of me.

• 17:17Rachel Cruze?

  Why do I have to do this?

• 17:18George Kamel?

  Little, little shame, little baggage, but...

• 17:21Rachel Cruze?

  Pay some money for it. And it could be tens of thousands of dollars. And it's like, listen, you gotta pay it because of X, Y, and Z.

• 17:27George Kamel?

  You cosigned on someone's debt and they stopped paying? Hey, that's a stupid tax.

• 17:30Rachel Cruze?

  We had someone, a guy, a door-to-door salesman, and he signed up for some kind of, it may have been like, solar pan, it wasn't solar panels, but it was some electricity, whatever. And yeah, and it was like, he owed like, $20,000, but they never did, the company, all of this. It was crazy. And Dave was like, well, I was on the show with him.

• 17:48George Kamel?

  They never did the work.

• 17:49Rachel Cruze?

  Yeah, he never like, looked at the contract and stuff, but they like, yeah, he owed them. And it was like, oh, legally you do. And you're like, crap, you know, so it was stupid tax. Like, just it hurts and it's not fun, but we all do it. We've all done it.

• 18:03George Kamel?

  Alright, next up, we have Baby Steps Millionaire. Baby Steps in general, then we should call out on its own, that correlates to the seven baby steps that we teach. In order, baby step one, $1,000 starter emergency fund. Baby step two, debt snowball to pay off all of your consumer debt, everything but the mortgage. Baby step three, fully funded emergency fund of three to six months of expenses. Those are in order. You gotta do one at a time, focus intensity. And then, baby step four, we start building wealth, investing 15% of our income. Baby step five, save for college. Baby step six, pay that mortgage off early. Baby step seven, build wealth and give.

• 18:38Rachel Cruze?

  Amazing.

• 18:39George Kamel?

  I memorize them. I can't memorize the books of the Bible, but if they had seven books, I could have done it.

• 18:43Rachel Cruze?

  You can do it. You can do it.

• 18:44George Kamel?

  I saw a guy do the books of the, they said, "$1,000, can you name every book in the Bible?" They're on the street doing this.

• 18:51Rachel Cruze?

  And he did it.

• 18:51George Kamel?

  And one guy just rattled them off so fast and crushed it.

• 18:55Rachel Cruze?

  Oh, I bet it was a song he learned like, in elementary school.

• 18:57George Kamel?

  Yeah.

• 18:58Rachel Cruze?

  They do. Those, those Christian schools.

• 19:00George Kamel?

  But he didn't do a melody, like, there was no melody.

• 19:02Rachel Cruze?

  He just said it. Well, I know the, the 50 states song. I don't do a melody. Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Florida, Hawaii, Idaho. Okay. But you know what I'm saying? Like, I don't have to, or I can do the song. The 50 United States.

• 19:14George Kamel?

  That's a song to you?

• 19:16Rachel Cruze?

  Colonies.

• 19:18George Kamel?

  I'm struggling to find a song inside of there.

• 19:20Rachel Cruze?

  Well, I'm half singing, half talking, because I don't want to be very vulnerable. I'm singing it all.

• 19:25George Kamel?

  She's trying to avoid a copyright claim on this video. I appreciate that.

• 19:28Rachel Cruze?

  Oh, maybe that too. Good call, good call.

• 19:29George Kamel?

  So those are the baby steps. Now you have Baby Steps Millionaire, which means you followed those Ramsey baby steps to become a net worth millionaire, meaning what you own minus what you owe, $1 million.

• 19:40Rachel Cruze?

  Beautiful.

• 19:41George Kamel?

  Pretty cool. So we celebrate those people. And fun fact, this is kind of inside, inside baseball. If you come by The Ramsey Show and you meet us on the stage, we come out twice an hour to greet people who visit us in the lobby, and we sneak over a coin. If you tell us, hey, by the way,

• 19:55Rachel Cruze?

  Hey, we're a Baby Steps Millionaire.

• 19:56George Kamel?

  I'm a Baby Steps Millionaire.

• 19:57Rachel Cruze?

  We've got a little coin for you.

• 19:58George Kamel?

  And it's gold. Not real gold, so don't try to sell it. And it's not chocolate either, so don't try to eat it. It's more of a memento.

• 20:05Rachel Cruze?

  It's a memento, yeah. So we have like, a debt-free coin. We have a couple of like, yeah, little moments. So if you do come, tell us, tell us if you're a Baby Steps Millionaire.

• 20:12George Kamel?

  That's how I know you're a Smart Money Happy Hour fan. If you go, hey, George told me.

• 20:16Rachel Cruze?

  Oh, that's a good one.

• 20:17George Kamel?

  George sent me.

• 20:18Rachel Cruze?

  I love, and George sent me here.

• 20:20George Kamel?

  That's a good one.

• 20:21Rachel Cruze?

  Whenever you're on the journey though, of the baby steps, putting your money and banking with someone that you trust is so important. And that's why you and I both love Fairwinds. So Fairwinds Credit Union, you guys, is amazing. So their whole, my, what I'm blown away by is their whole customer experience. And then also, when I'm in the app, I'm able to do things quickly, move money around if I need to. It's so easy. It is so user-friendly and it is by far my favorite banking system. We love Fairwinds. And if you do the Smart Bundle, you get a no-fee checking account, up to 10 high-yield savings accounts, and the Debt is Normal, Be Weird debit card, which we love.

• 21:00George Kamel?

  Yes. And if you're gonna store your savings, you gotta look for a good APY. And most banks these days, your traditional brick and mortar bank, they average less than half a percent.

• 21:08Rachel Cruze?

  That's right.

• 21:09George Kamel?

  With Fairwinds, it's over 3%. They're gonna be making on that money. So 20 grand could net, you know, 600 bucks a year versus your abysmal half a percent.

• 21:18Rachel Cruze?

  Yeah, which would be like, $6. It's not good.

• 21:20George Kamel?

  Not worth it. So go check it out. Go to fairwins.org/ramsey to get that Smart Bundle today.

• 21:26Rachel Cruze?

  Alright, next, um, phrase, George. "Live like no one else, so later you can live and give like no one else."

• 21:34George Kamel?

  Strong. So this is about sacrificing now, so you can have freedom later. So live like no, no one else now, meaning rice and beans.

• 21:43Rachel Cruze?

  Yeah, because

• 21:43George Kamel?

  Living on less than you make, sacrificing, second jobs.

• 21:46Rachel Cruze?

  Yeah, the average person out there, looks like they're doing great, right? But when you actually look at their debt and their debt-to-income ratio, all of it, like, it's bad. Like, I mean, all the stats about savings and debt and all of it, it's not great for the average person. So if you're not looking like the average person, and you are, you're working hard, you're sacrificing like, so you're doing stuff that no one else really you know is doing to get ahead.

• 22:11George Kamel?

  Yep.

• 22:11Rachel Cruze?

  You're living like no one else. So then later, when you actually pay off your debt, you have savings, you have investments. You have freedom, like financial freedom. You are living like no one else because nobody, majority of people are not financially free. So then you get the positive end. I love it. It's a great juxtaposition. And then the giving end is in that too.

• 22:30George Kamel?

  That's strong.

• 22:30Rachel Cruze?

  Give like no one else. Yes. Because we always promote giving regardless of what baby step you're on. But especially on baby step seven, when you, yeah.

• 22:37George Kamel?

  Turn up the dial on that giving. You start to do some crazy outrageous things you never thought would be possible. Stuff that would make you cry.

• 22:43Rachel Cruze?

  So fun.

• 22:44George Kamel?

  So I like this. So it's, we always say normal is broke, so be weird. So this live like no one else is sort of that, be weird. Take on that third job to pay off debt aggressively instead of swiping that card month after month, going into debt, taking on the car payment. You gotta go against the grain, counterculturally. And I love that principle. It's so rock and roll to me.

• 23:04Rachel Cruze?

  It's so rock. I love it. I love it. Before and after.

• 23:07George Kamel?

  Dave is punk rock. No one talks about that.

• 23:09Rachel Cruze?

  So dramatic. Live like no one else. Later you can live and give like no one else. How about the debt snowball?

• 23:15George Kamel?

  We love that.

• 23:16Rachel Cruze?

  Yes.

• 23:16George Kamel?

  This is the method we encourage people to get out of debt with. And the reason we call it the snowball method is that you kind of pick up some traction along the way. So you list your debts, smallest to largest balance. You kind of ignore the interest rates. Because this is not about math right now. We're just looking for progress, momentum. And psychologically, this is the best way. Versus the debt avalanche, which says, oh, it's wise to pay off the highest interest first. Well, why did we go into all that debt with high interest? Let's just focus on getting a win so that we can stay on the horse.

• 23:46Rachel Cruze?

  And when that, and when that payment's freed up after that debt is paid.

• 23:49George Kamel?

  You freed 300 bucks.

• 23:51Rachel Cruze?

  You have 300 bucks. And you're like, oh, great. Then you get to take it to the next smallest debt. And then when that's paid off, you freed up the smallest debt payment, and then the second debt payment, smallest debt payment, together, you're like, wow, that's 700, 800 bucks extra that I was paying on payments, but now it's freed up.

• 24:05George Kamel?

  So you might.

• 24:06Rachel Cruze?

  Add even more to the next one. And you just keep going. It's like this mathematical momentum.

• 24:10George Kamel?

  Yeah, it's cool. You might start with like 500 bucks in margin to throw at the debt. But by the end, you might have 2,500 bucks freed up.

• 24:17Rachel Cruze?

  That's right. Because you have no other debt, but you're the last one that you're working at. So it's awesome.

• 24:20George Kamel?

  Imagine what you can do with 2,500 bucks saved up.

• 24:22Rachel Cruze?

  Yes.

• 24:22George Kamel?

  Get that emergency fund fast. You can use it to save up a down payment, to invest more, give more, live, you know, kind of bring back some of that lifestyle that you were missing out on.

• 24:31Rachel Cruze?

  That's right.

• 24:31George Kamel?

  Eating beans and rice that whole time. I love it.

• 24:33Rachel Cruze?

  Go out to eat. Get you some Taco Bell.

• 24:35George Kamel?

  That's what Rachel wants for all of us. Go to a freaking restaurant. You love a restaurant.

• 24:40Rachel Cruze?

  Love a restaurant.

• 24:42George Kamel?

  Being waited on.

• 24:42Rachel Cruze?

  You know what? That's where I can start to feel sloppy in my mind. I'm like, I gotta, I try to, we try to eat home like four nights a week, for sure.

• 24:49George Kamel?

  That's impressive, honestly.

• 24:50Rachel Cruze?

  Yes. Right now, crock pot. It's going as we speak.

• 24:53George Kamel?

  What do we got in there? Can I ask? Is that too personal?

• 24:55Rachel Cruze?

  No, no, you can ask.

• 24:57George Kamel?

  It's like asking a woman's age.

• 24:58Rachel Cruze?

  I'm missing a very key ingredient, so I don't know how it's gonna be. So it's, I mean, it's marinated chicken. So I did like garlic, salt, onion powder, salt and pepper, all that.

• 25:08George Kamel?

  And you're missing the chicken?

• 25:09Rachel Cruze?

  And then.

• 25:11George Kamel?

  I was like, so far, you're just naming spices.

• 25:13Rachel Cruze?

  Well, I'm just telling you what I did. And then you do Alfredo sauce and then marinara sauce.

• 25:18George Kamel?

  Oh, wow.

• 25:19Rachel Cruze?

  And then at the end, you put mozzarella cheese in and stuff, and you chop up the chicken, and you put it on like noodles. But you're supposed to have a whole block of cream cheese to make it really creamy. It's so good. I had no cream cheese this morning. So we'll see how it turns out.

• 25:31George Kamel?

  It's not gonna be ass creamy?

• 25:32Rachel Cruze?

  I know.

• 25:33George Kamel?

  Isn't the Alfredo already like?

• 25:34Rachel Cruze?

  That's what I thought. As it was dumping in, Caroline, actually, Caroline did most of it in the crock pot this morning.

• 25:40George Kamel?

  Wow.

• 25:42Rachel Cruze?

  Yeah. So we'll see how it goes. But all that to say, if we eat out too much, I start to feel like, oh, we're being irresponsible. Isn't that funny? I like, I can feel it.

• 25:50George Kamel?

  Is it like two or three nights in a row would do that to you? What's the limit?

• 25:54Rachel Cruze?

  Oh, three nights in a row would start making me a little nervous.

• 25:58George Kamel?

  Because they're in succession?

• 25:59Rachel Cruze?

  Yes. Back to back. I'm like, oh, we probably should. Like, we ordered pizza last night. So I was like, we probably need to cook. Because the weekend's coming up.

• 26:05George Kamel?

  Papa John's?

• 26:06Rachel Cruze?

  Yeah.

• 26:09George Kamel?

  Don't act surprised. I was just making sure, more than anything.

• 26:11Rachel Cruze?

  I had $18 of Papa Do that I got to put towards my order, and it felt so good.

• 26:16George Kamel?

  Papa Do. That's funny they call it that.

• 26:18Rachel Cruze?

  It's so good.

• 26:19George Kamel?

  That's great.

• 26:20Rachel Cruze?

  I do. I love it with a garlic sauce. And then they have the pepperchini's on the side.

• 26:24George Kamel?

  Love a pepperchini.

• 26:25Rachel Cruze?

  I mean, it's so good.

• 26:26George Kamel?

  Still barely know the difference between that and a banana pepper.

• 26:29Rachel Cruze?

  Banana pepper's a little sweeter.

• 26:30George Kamel?

  You can't convince me.

• 26:32Rachel Cruze?

  Oh, no, it is.

• 26:33George Kamel?

  Pepperchini's spicier is what you're saying. It's got a little more kick to it.

• 26:35Rachel Cruze?

  It's a little hotter. Anyways, okay, how about sell the horse? This is you, George.

• 26:41George Kamel?

  I got one.

• 26:42Rachel Cruze?

  You got one.

• 26:43George Kamel?

  It became a Ramsey-ism? Are we counting that?

• 26:44Rachel Cruze?

  Sell the, I get people that say it to me all the time.

• 26:47George Kamel?

  Fine. Wonderful. I love it.

• 26:49Rachel Cruze?

  Sell the horse. And George, we are on this call together.

• 26:52George Kamel?

  Katie, I'm gonna give you a hard challenge. Could you sell the horse? I'm so glad you were there.

• 26:56Rachel Cruze?

  Which was very sweet.

• 26:57George Kamel?

  It was a legendary call. And you were the audience. You were sort of

• 27:00Rachel Cruze?

  We had.

• 27:01George Kamel?

  representing the audience at large, going, what did he just say?

• 27:04Rachel Cruze?

  So we had Katie call in. And Katie was trying to get out of debt. And she wasn't, she didn't have a lot of margin. Like, it was a, it was a tight situation.

• 27:12George Kamel?

  Yeah. She had six figures of debt and was making 36 grand working for the USDA. And everything we threw at her to try to like bring up the income, she was like, oh, I can't do, no, it's a rural area.

• 27:22Rachel Cruze?

  Yeah, yeah, yeah.

• 27:23George Kamel?

  Can't do that. I got the horses. Nope, can't do that. And so now we're up against the clock. It is, we got like a minute left.

• 27:29Rachel Cruze?

  Then we find out she has a horse.

• 27:30George Kamel?

  And she then goes, well, it's like a prize winning horse that's worth $20,000.

• 27:35Rachel Cruze?

  Yeah. And she does do lessons sometimes on it. But the horse, I think, was sick.

• 27:40George Kamel?

  She was doing like horse riding as a side gig, but it was like 300 bucks a month.

• 27:43Rachel Cruze?

  Yeah, it wasn't a lot. And so, George.

• 27:45George Kamel?

  This is my hail Mary. 30 seconds to go.

• 27:47Rachel Cruze?

  George was like, Katie, sell the horse. Sell the horse, Katie.

• 27:49George Kamel?

  Here's, well, can I say how I said it?

• 27:51Rachel Cruze?

  George, like.

• 27:52George Kamel?

  Because I've watched the clip. It's a core memory. I said, Katie, could you sell the horse? Like, I kind of knew it was a big ask.

• 28:00Rachel Cruze?

  Okay.

• 28:00George Kamel?

  I didn't say it flippantly, like, just sell the horse, you're done.

• 28:03Rachel Cruze?

  Yes.

• 28:03George Kamel?

  It was just like, I know this is a big ask, but this is the biggest asset you have to your name.

• 28:07Rachel Cruze?

  Absolutely not. Like, you were insane. Like, this is the, yeah.

• 28:11George Kamel?

  Well, she then went into, her first thing out of her mouth, well, I've had it for 11 years. And I was just like, Katie, the horse doesn't even know your name. Rachel. I gasped. I think is the only word.

• 28:23Rachel Cruze?

  I was like, George, you're kind of being mean to her. Then all the horse lovers came out. And those horse curls, if you're a horse girl, you know.

• 28:30George Kamel?

  You know that you're crazy if you're a horse girl.

• 28:32Rachel Cruze?

  They are passionate. Horse girls are passionate. And they all came out of the woodworks. And they were like, George. So anyway, so sell the horse has become a catchphrase. It's great.

• 28:42George Kamel?

  And did she do it? No.

• 28:44Rachel Cruze?

  No. She actually came to.

• 28:45George Kamel?

  She has updated me, though. We like message on Instagram. We've become friends. She's come to an event.

• 28:49Rachel Cruze?

  She did come to an event. Yes. We got a picture with her.

• 28:51George Kamel?

  She's doing much better now. She's still working her way through the debt. This has been years now. But I'm confident that one day.

• 28:57Rachel Cruze?

  We're for her.

• 28:58George Kamel?

  She will sell a horse. And can I just say, people sell horses all the time. It's kind of like a business. Yes, they are animals that know your soul. But also, it's kind of a business.

• 29:09Rachel Cruze?

  It's what you do. You get 20 grand from that horse.

• 29:12George Kamel?

  Yeah. I don't like, race my dogs for sport for money.

• 29:15Rachel Cruze?

  Yeah. But you wouldn't sell your dog for 20,000 dollars.

• 29:17George Kamel?

  Dog riding lessons.

• 29:18Rachel Cruze?

  You wouldn't sell your dog for 20,000, though.

• 29:20George Kamel?

  If my dog suddenly became, because horses have some serious value.

• 29:24Rachel Cruze?

  Yes.

• 29:25George Kamel?

  My dogs have zero value to humanity. Truthfully. So no, my dog is worth way less than it even was when I purchased it.

• 29:33Rachel Cruze?

  It's gone down like a car.

• 29:35George Kamel?

  You know what French Bulldogs are? They're the Range Rover of dogs.

• 29:38Rachel Cruze?

  They are. They're so.

• 29:39George Kamel?

  You're like, ooh, got a French Bulldog. And then three years in, you're like, it's in the shop again. It's lost 40 grand in value in the two years. Nobody wants to buy this thing now.

• 29:49Rachel Cruze?

  One of the most expensive ones in the lot. Yeah, it's.

• 29:52George Kamel?

  It's sad.

• 29:52Rachel Cruze?

  Man.

• 29:53George Kamel?

  But they're still kicking.

• 29:54Rachel Cruze?

  Still going. Sweet. Those sweet pups.

• 29:56George Kamel?

  Sweet blue and olive.

• 29:57Rachel Cruze?

  Those sweet pups.

• 29:57George Kamel?

  We love them.

• 29:58Rachel Cruze?

  Okay, when someone says, I'm gonna cash flow it. What does that mean?

• 30:04George Kamel?

  I'm gonna save up, pay cash, and avoid taking on a debt payment for this.

• 30:09Rachel Cruze?

  That's right.

• 30:09George Kamel?

  I like that one.

• 30:10Rachel Cruze?

  Yes. I hate this one, but it is what it is. Tagging Ramsey and feet pics.

• 30:17George Kamel?

  The way you said that made it sound so much worse.

• 30:19Rachel Cruze?

  That's terrible.

• 30:21George Kamel?

  Okay, well, we say the grass feels different under your feet.

• 30:24Rachel Cruze?

  And that's so gross to me, still. It is, okay, here's.

• 30:27George Kamel?

  I know where you're going with this.

• 30:28Rachel Cruze?

  The whole thing is that like, when you pay off your house, Dave, and I can say this because he's my dad, he's always like, the grass just feels different. Like, when you're walking along your yard, and you own it, it just feels different. Which is true. The emotional tact to it is true. Like, yes, when you own something, you have autonomy over it, and there's no bank attached to it anymore, like a Dutch.

• 30:48George Kamel?

  And you sacrificed.

• 30:49Rachel Cruze?

  Yeah. And you have autonomy. Like, it's, it is a lot.

• 30:51George Kamel?

  There's a lot of pride in that.

• 30:52Rachel Cruze?

  It feels so good.

• 30:53George Kamel?

  Pride, freedom, peace.

• 30:54Rachel Cruze?

  But then he connects that to like walking around barefoot in grass. And did you know in one of the FPU shoots?

• 31:01George Kamel?

  Oh, yeah, I was there.

• 31:01Rachel Cruze?

  He wanted to, they did it, right?

• 31:03George Kamel?

  He did it.

• 31:04Rachel Cruze?

  They had a fake.

• 31:05George Kamel?

  They brought in some like, a patch of sod for him to stand in.

• 31:09Rachel Cruze?

  And Dave walked around that thing.

• 31:13Rachel Cruze?

  To visualize the example, I was like, oh man.

• 31:16George Kamel?

  He's a method actor. He's gonna fake it with his shoes on? He's gotta go full.

• 31:21Rachel Cruze?

  The whole thing, just like.

• 31:23George Kamel?

  Full send.

• 31:24Rachel Cruze?

  Hold on. The whole thing was not maxing. Definitely kind of very chopped. It was very chopped.

• 31:34George Kamel?

  I will say the most impressive part was watching him slip back into the shoes. Cause I was like, how's he gonna do it? How's he gonna do it? It was like a magic trick. And he, you know, there was a moment of struggle, but he got there. I think he wore slip-ons that day to make it a little easier. Got some Hey Dudes.

• 31:50Rachel Cruze?

  Man, you know, it's just one of those moments in life.

• 31:53George Kamel?

  But it's memorable.

• 31:55Rachel Cruze?

  We're talking about it. So apparently, apparently it held strong, that example.

• 32:00George Kamel?

  But can I tell you, I've never done that because I have dogs and I don't trust walking around in my yard barefoot.

• 32:06Rachel Cruze?

  Yes.

• 32:06George Kamel?

  Can't, can't risk it.

• 32:07Rachel Cruze?

  Can't do it. Oh man, all right. Last one, George. Gazelle intense versus Ramsey-ish.

• 32:14George Kamel?

  So if you've watched Financial Peace University, you've read Total Money Makeover, he uses this image of a gazelle being chased by a cheetah.

• 32:23Rachel Cruze?

  Cause in Proverbs, it says, and I've memorized the verse.

• 32:26George Kamel?

  Oh, do the whole thing.

• 32:27Rachel Cruze?

  Yes. Okay, if you have signed surety, my son, which is like old English for like you have gotten yourself into debt. If you have signed surety, my son.

• 32:33George Kamel?

  Signed a piece of paper that says you owe money.

• 32:35Rachel Cruze?

  Yep. Do this. Deliver yourself like a gazelle from the hand of the hunter and a bird from the hand of a fowler. So like very animal based, right?

• 32:45George Kamel?

  Like you are prey.

• 32:47Rachel Cruze?

  And so the gazelle from the hand of the hunter, yes, it is like, and the hunter's usually the cheetah. And so there's like this word picture that you're kind of thinking of like the intensity a gazelle takes to get away from the cheetah, the amount of maneuvering and speed, and it just goes crazy to get away so that it doesn't die. That is what scripture says, when you have gotten into debt, you do that. Like you kind of go crazy, like it's, it is crazy. So gazelle intensity was coined to be like, I'm gazelle intense. Like as I'm getting out of debt, we are doing everything. We are cutting lifestyle. We are doing rice and beans.

• 33:18George Kamel?

  Scorched earth, as Dave would say.

• 33:20Rachel Cruze?

  We have two, two extra jobs. Like we are getting out of debt fast. Cause your whole life doesn't have to be like that, by the way, right? Once you're done, you're done.

• 33:27George Kamel?

  You're talking like 18 to 24 months on average of that kind of life.

• 33:31Rachel Cruze?

  Yep. And then you're completely debt free and you got no payments, which is awesome.

• 33:35George Kamel?

  And then the other side is Ramsey-ish. I'm Ramsey-ish. I like the principles, but I'm still gonna use the credit card. I'm gonna do the debt avalanche, whatever it is, you're sort of taking bits and pieces.

• 33:47Rachel Cruze?

  Kind of that pick me energy.

• 33:48George Kamel?

  Oh, nice throwback.

• 33:51Rachel Cruze?

  I just had to look it up again. I was like, what definition works?

• 33:53George Kamel?

  It wasn't used properly, but I give you points for trying.

• 33:56Rachel Cruze?

  I try, I'm gonna try throughout the rest of the episode. Thank you.

• 33:58George Kamel?

  But yeah, Ramsey-ish is not gonna get you that far, that fast. So you can do it.

• 34:03Rachel Cruze?

  You can spin your wheels for probably four to five years, just kind of like.

• 34:06George Kamel?

  It's better than doing nothing, for sure.

• 34:08Rachel Cruze?

  Yeah.

• 34:09George Kamel?

  But gazelle intense is the way to go if you want to follow the plan and see it through.

• 34:13Rachel Cruze?

  Yes, which we love. Yep. And you know, one thing that I also love, George, is knowing that my information online is being scrubbed from certain websites. So Delete Me is an amazing subscription that I think everyone really does need in 2026 because so much of our life is online. And also we are, you know, filling out forms and you're, you're putting your information out there, maybe not even realizing it. And then these data brokers can collect your data and then they sell it to other companies that that puts you at risk for scams and fraud because spammers and scammers and you know, phishing, all of that comes into play. But when you're, when your information's not there because Delete Me has gone in and scrubbed it, that is so key.

• 34:57George Kamel?

  In fact, I just saw in the Ramsey Baby Steps Community Facebook group, someone just posted that they signed up for Delete Me and they saw a huge reduction in their spam emails and calls and texts just by signing up and having those data privacy experts do the hard work for them. So if you want to check it out, you can get 20% off their annual plans, just go to joindelete.me/smartmoney.

• 35:19Rachel Cruze?

  Well, George, there's a little difference in the Ramsey-isms and the Gen Z slang, if you will.

• 35:26George Kamel?

  Which one do you like more?

• 35:27Rachel Cruze?

  I feel more confident with the Ramsey-isms.

• 35:29George Kamel?

  Yeah. I do think the Gen Z slang has a little more pick me energy. Like it's trying too hard to be unique.

• 35:34Rachel Cruze?

  Yes.

• 35:35George Kamel?

  It's slang maxing.

• 35:36Rachel Cruze?

  And my thing is too, it's like not timeless, it's gonna be done. I'll give this to Ramsey, people hate, hate on us because of this, but we don't change. It has been the same thing for a long time. Our principles, including our isms, but we'll take it. But there's also some other things that, you know, have not changed, like the way we talk about investing and our approaches to it. And you and Dave actually have an event called Investing Essentials. And it's really such important information and it's so good. People ask about this all the time.

• 36:06George Kamel?

  Yeah, this is, uh, we've done this for a couple of years now and we keep changing it up every year. So this year, night one is going to be investing 101, 201, little 301, some real estate investing. And then night two is all about wealth planning. So think more tax planning, insurance planning, estate planning, wills, beneficiaries.

• 36:26Rachel Cruze?

  You, I mean, you, you love the nitty gritty. You know, you love, you love details.

• 36:31George Kamel?

  Well, I love like knowing the intricacies of something and how it works.

• 36:35Rachel Cruze?

  Yes.

• 36:35George Kamel?

  And why the trap is bad and why the good way to do it is smart.

• 36:39Rachel Cruze?

  Yep.

• 36:40George Kamel?

  And so looking into all that is fun. And then I like to take the complex, the boring and make it fun and simple.

• 36:45Rachel Cruze?

  Yes.

• 36:45George Kamel?

  That's what I really love doing.

• 36:47Rachel Cruze?

  Which you do great at.

• 36:47George Kamel?

  So if there's jargon, I'm gonna un-jargon it. And that's what we're gonna do at this event. You're gonna leave after two nights on this virtual event from wherever you are, knowing, being confident in your investing plans so that you can live and give like no one else.

• 36:58Rachel Cruze?

  I love it.

• 36:59George Kamel?

  So September 1st and 2nd, we'll drop a link. We'll also put a QR code somewhere in that direction.

• 37:04Rachel Cruze?

  Over here.

• 37:04George Kamel?

  If you're watching on your TV, which we found out a lot of people are doing, that's fantastic.

• 37:08Rachel Cruze?

  It's so fun.

• 37:08George Kamel?

  I look so much better in 4K. I've always said that.

• 37:12Rachel Cruze?

  Always said that. Oh, okay. So I mentioned this earlier, but some of the Ramsey principles, uh, the haters love to hate, George, you know? And they're like, listen, you need to update it because we, that is one thing about Ramsey, we don't change our stances. It is what it is because it's built on common sense, biblical principles, your grandma's advice is what, you know?

• 37:31George Kamel?

  God's and grandma's ways of handling money.

• 37:33Rachel Cruze?

  But it kind of is what it is and because of reasons that are bigger than things like the economy, things that are, um, you know, even things changing financial products and all of that in the marketplace, like the principles are what they are. But people can have some pushbacks, which is fair and fair. So let's go through a couple of those.

• 37:53George Kamel?

  I will say, if you, there's a video of Dave from like 1995 that resurfaced on YouTube. And he is saying the exact same things, just with a slightly more southern accent. And it's so charming, really.

• 38:04Rachel Cruze?

  But he is, he's like, we're gonna have plastic surgery. And it's like, but he's literally saying the same things.

• 38:08George Kamel?

  So consistent, so much integrity. He's not gonna waver based on, you know, just random vibes.

• 38:14Rachel Cruze?

  What's going on.

• 38:14George Kamel?

  Well, the trends are going this way, so maybe we should start saying credit cards are okay. No, he has been firm. And yes, that black and white will bring out the haters to go, how about some gray, Dave?

• 38:24Rachel Cruze?

  Yep.

• 38:25George Kamel?

  So let's talk about this. We did a poll on the YouTube community page and here are the top five tweaks that people mentioned. We'll do our best to explain both sides and also clarify the why behind the rule.

• 38:36Rachel Cruze?

  All right, first up, we got, uh, increase the emergency fund to be more than a thousand dollars.

• 38:40George Kamel?

  So that's baby step one.

• 38:41Rachel Cruze?

  Because the.

• 38:42George Kamel?

  Start our emergency fund.

• 38:43Rachel Cruze?

  That baby step was built probably in the mid 90s and it is still the same. And totally understandable that it's like a thousand dollars will not get you what it got you.

• 38:51George Kamel?

  Yeah, with inflation, it would be more like 2,500 in today's dollars.

• 38:54Rachel Cruze?

  That's right, that's right. Yeah, but I think the point of this is, well, 40% of people can't even cover a $400 emergency fund. So if you're one of those people getting a thousand dollars.

• 39:05George Kamel?

  Life changing.

• 39:06Rachel Cruze?

  Over double of what you don't even have, like that feels like a mountain in and of itself. And so the point that we want at Ramsey for people that want to start taking control of their money is like an easy access point. Like get started, because we are all about behavior change. That's why the debt snowball, we love paying off the smallest debt, because it's a quick win. And the same with baby step one, if it was, hey, save a month's worth of, you know, your, your income or yeah, or expenses or, you know, three months of expenses before you start paying off debt, it just, it's a longer churn to get that quick win. So that thousand bucks, it's there to stay because again, it's, it's that easy entry point. And for a lot of things, a thousand bucks will catch some of the small ankle biter.

• 39:45George Kamel?

  It'll still cover a lot of those that will throw you off course.

• 39:47Rachel Cruze?

  And if it doesn't, then, and you're on baby step two and you're paying off debt, pause the debt snowball. And that same intensity that you were throwing at debt, hopefully a couple of hundred bucks, maybe even over a thousand that you're using to pay off debt, collect that money and then fix the emergency. So, uh, totally understandable, but also it wasn't really the point.

• 40:07George Kamel?

  I'm like, okay, if there was one, I'd like, I'd make a concession on at a court of law.

• 40:11Rachel Cruze?

  And you know what? And some people do. They're like, yeah, we're gonna, we're gonna have more.

• 40:14George Kamel?

  People are gonna do it regardless, whether we tell them to or not.

• 40:17Rachel Cruze?

  Um, next one, have a Southwest credit card or just one credit card for travel and flight points.

• 40:23George Kamel?

  Hooey.

• 40:24Rachel Cruze?

  We get that one a lot.

• 40:25George Kamel?

  Yeah, so that's a tweak people want us to make, or at least this person. And they go, well, hey, if I pay it off every month, I'm just getting the points, I'm winning the game. And I'm going, well, let's compare what you spent in a year on that card versus a year just using your own money, your own debit card. I guarantee you, it would negate any rewards or points you could have gotten.

• 40:45Rachel Cruze?

  Cause if you're someone that takes maybe two vacations a year, which is a lot. Like a lot of people aren't even taking a trip, right? But maybe you take two and you know, round trip, let's say it's. I don't know, you get 300, 600, 1,200 bucks, maybe, is going to Southwest tickets. If you're taking two trips a year. You are probably spending way more than $1,200 on that Southwest credit card than... So, so our argument would be just pay your own money in life. You're going to spend less because of it.

• 41:15George Kamel?

  And you're not beholden to one airline because truth is Delta might have a cheaper ticket. And as you know, I'm not allegiance to Southwest anymore.

• 41:23Rachel Cruze?

  Because they changed their boarding.

• 41:25George Kamel?

  I fly with the cheapest airline now because they're all terrible.

• 41:28Rachel Cruze?

  I know. You know what? It's true, George.

• 41:31George Kamel?

  There's nothing special anymore out there.

• 41:33Rachel Cruze?

  Nothing special. I do miss the old Southwest. Just throwing it out there. If you work for Southwest, let them know.

• 41:37George Kamel?

  Yeah. And a lot of people just, they don't redeem their, the rewards. The point values can change on a dime based on Southwest vibes. And they go, eh, what's 100,000 points going to get you? Might be different this month.

• 41:48Rachel Cruze?

  That's right. And these companies, you guys, and banks would not be putting out products like this if they weren't making a crap ton of money. So they are making more money than what you realize. Or not, maybe not what you realize, but like they're winning.

• 42:01George Kamel?

  Yeah.

• 42:01Rachel Cruze?

  They're winning the game. So just don't play the game. Don't play the game.

• 42:05George Kamel?

  All right. How about this one? Someone wants this tweak to the Ramsey plan. The 30-year fixed rate mortgage should be an option. We hear that one a lot because we recommend 15-year fixed rate mortgage where the payment is no more than a quarter of your take-home pay. That is realistically difficult to do. If you crunch the numbers, you're going, great, I need to make $170,000 just to afford a starter home. Well, sure, maybe today, but if you saved up a bigger down payment.

• 42:31Rachel Cruze?

  That's right.

• 42:32George Kamel?

  That's going to lower the mortgage. And so that tells you, you need to be patient because the math is still the math. If it's going to be 60% of your take-home pay, it's not worth it.

• 42:39Rachel Cruze?

  Yeah.

• 42:39George Kamel?

  And you're going to pay double the interest.

• 42:41Rachel Cruze?

  That's right. Yeah.

• 42:42George Kamel?

  More with a 30-year.

• 42:43Rachel Cruze?

  And even if you think that you're going to pay it like a 15, doesn't always happen. And if you can put systems in place to help you get out of debt as quickly as possible, there's an advantage to that. And the 15-year does that.

• 42:54George Kamel?

  Yeah. And Dave even says he prefers the 100% down plan, just pay cash. He understands it's not realistic for most people. So he goes, I won't yell at you if you do a 15-year fixed rate mortgage. That's the only debt that is on the table.

• 43:06Rachel Cruze?

  Um, all right. Your total housing cost, rent, utilities, mortgage can be 30, 30 to 40% of your take-home pay, not just 25.

• 43:14George Kamel?

  Ooh.

• 43:15Rachel Cruze?

  Okay. So we don't count utilities in that anyways. Yeah, the 25%. And yeah, that's what, that's what we're shooting for. But if we get a caller on the show and they're at 29%, we're not going to tell them to sell their house. Like, I mean, it's just kind of the aim for it because if a fourth is going just to your mortgage, then you have obviously three-fourths of your income to use for life versus some people, it's like 50, 60%. So much of their income.

• 43:42George Kamel?

  And they call in going, should I sell the house? It's stressing us out. We can't afford to eat. I'm like, well, that's not good. So it's a parameter to give you margin to do all the other baby steps, to live your life, to give, invest.

• 43:54Rachel Cruze?

  Yep.

• 43:54George Kamel?

  Save, all of that. All right. Last one?

• 43:57Rachel Cruze?

  Yep, last one. Car loans are inevitable. It's fine if you earn a decent salary and just keep the payment low.

• 44:05George Kamel?

  I love how vague all of that is. Well, just earn a decent sal, keep the payment low.

• 44:10Rachel Cruze?

  Listen dude.

• 44:10George Kamel?

  Those numbers get squishy real fast, so.

• 44:13Rachel Cruze?

  Car payments are so chugy.

• 44:15George Kamel?

  Thank you. I really love that. That's a good usage of chugy.

• 44:20Rachel Cruze?

  Thank you.

• 44:20George Kamel?

  Yeah, car loans to me are one of the worst types because you can be underwater on that thing. You're paying interest while it's going down in value. It's just to get you from A to B.

• 44:30Rachel Cruze?

  Cars keep, keep people broke. I mean, they really do, so.

• 44:33George Kamel?

  It's the wealth killer for the middle class.

• 44:34Rachel Cruze?

  And I'll say, majority of financial people, even on the internet, TikTok, all the things, like, we don't agree with everybody. Everyone has like their own stance, but car payments is like the one thing everyone kind of gets behind and they're pretty much, almost everybody is like, it's not smart. Just mathematically, it's not smart. So get it out of here.

• 44:50George Kamel?

  Nice try.

• 44:52Rachel Cruze?

  Nice try. Yeah. But one thing I will say that is not chugy and not out of style, anything from Cozy Earth.

• 44:59George Kamel?

  I feel so on trend, so in vogue, if you will, when I put on my Cozy Earth.

• 45:04Rachel Cruze?

  So in vogue. Do you want the tea?

• 45:05George Kamel?

  Outfits. Yeah.

• 45:07Rachel Cruze?

  Do you know that?

• 45:08George Kamel?

  Should I clock the tea?

• 45:09Rachel Cruze?

  Clock the tea.

• 45:10George Kamel?

  Am I doing that right?

• 45:11Rachel Cruze?

  Their bedding has incredible warranty.

• 45:13George Kamel?

  Yep.

• 45:13Rachel Cruze?

  Do you know this?

• 45:15George Kamel?

  10-year warranty.

• 45:16Rachel Cruze?

  Of other bedding? Who does that? Cozy Earth does.

• 45:19George Kamel?

  100-night sleep trial.

• 45:20Rachel Cruze?

  I mean, not.

• 45:21George Kamel?

  100 nights? That's pretty wild.

• 45:23Rachel Cruze?

  Oh, my gosh.

• 45:23George Kamel?

  That's almost a third of the year. You can just sleep on the thing, go, yeah, I like it.

• 45:27Rachel Cruze?

  You know, my favorite day for my house is Thursday.

• 45:31George Kamel?

  Cozy Earth Sheets Day?

• 45:32Rachel Cruze?

  Was Thursday, yes, because I wash my sheets and stuff on Thursdays.

• 45:35George Kamel?

  Every Thursday?

• 45:36Rachel Cruze?

  Uh huh.

• 45:37George Kamel?

  That's impressive.

• 45:37Rachel Cruze?

  And then when you get in bed that night, oh my jeez, it is just the best.

• 45:43George Kamel?

  Can I top that? If you like do a night shower and then get into fresh sheets?

• 45:47Rachel Cruze?

  Oh.

• 45:48George Kamel?

  Cloud nine.

• 45:49Rachel Cruze?

  Cloud nine. So Cozy Earth, yeah, makes it possible, you guys.

• 45:52George Kamel?

  Incredible. There's so much outside of sheets, too. Their athleisure is incredible. Check it all out. Go to cozylearth.com/smartmoney and use our code SMARTMONEY for up to 20% off.

• 46:03Rachel Cruze?

  All right. Before we spill the tea on our Guilty as Charged segment, George, give us the drink details.

• 46:07George Kamel?

  This is the Italian Greyhound. It's got vodka, Aperol, grapefruit juice, grapefruit soda, and simple syrup. Comes out to $3.17. It's a 10 out of 10 for me.

• 46:20Rachel Cruze?

  I love it. Love it.

• 46:22George Kamel?

  What's your rating?

• 46:23Rachel Cruze?

  I mean, y'all, I.

• 46:25George Kamel?

  You can be honest. You can't hurt my feelings.

• 46:27Rachel Cruze?

  I'm like, no, my gosh, no. I hate to go 10 out of 10 because that sounds so, I'm going to go 9 out of 10.

• 46:31George Kamel?

  Okay.

• 46:32Rachel Cruze?

  I would order it at a restaurant.

• 46:33George Kamel?

  You don't want to pick me energy by going 10 out of 10 like me.

• 46:35Rachel Cruze?

  Well, I am, I am a less sweet drink kind of person. I'm a more like salty, like a dirty martini, like, but if all the girls, if we're get, if we're like having a great lunch or something, you know, this would be something I would, probably not every time I would order it, but I would order it.

• 46:53George Kamel?

  This would go great, like lunch at an Italian place.

• 46:56Rachel Cruze?

  Oh, my gosh. Get a pizza.

• 46:57George Kamel?

  Sign me up.

• 46:58Rachel Cruze?

  Flatbread pizza and that. Oh, my gosh. Or go with salad.

• 47:02George Kamel?

  See, the boys aren't going to go get some Italian Greyhounds with me.

• 47:05Rachel Cruze?

  I, they should, George.

• 47:06George Kamel?

  They're going to go to some weird dive bar.

• 47:08Rachel Cruze?

  What would you rate it?

• 47:09George Kamel?

  I went 10 out of 10.

• 47:10Rachel Cruze?

  Oh, you did go 10 out of 10.

• 47:11George Kamel?

  I love grapefruit juice. I love grapefruit soda. I'm on an Aperol kick.

• 47:15Rachel Cruze?

  Okay, you love Aperol.

• 47:16George Kamel?

  I'm kind of getting into the, the liqueurs.

• 47:17Rachel Cruze?

  Yeah.

• 47:18George Kamel?

  The aperitifs.

• 47:19Rachel Cruze?

  Yes.

• 47:19George Kamel?

  The sort of like more bitter Italian liqueurs, very good. So check it out. Recipes in the show notes. This one's a big hit if you're of age.

• 47:26Rachel Cruze?

  All right. Now it's time for Guilty as Charged. And this is where we ask each other a guilty as charged question every week. And if we're guilty, we take a sip. All right. This question is, have you ever heard someone casually mention something about their money in conversation that shocked you?

• 47:41George Kamel?

  Oh, wow. That's a good one. I mean, a lot of things. The one that comes to mind, I was talking to my neighbor. We had a little like outing with some neighbors and I had some things from Aldi, you know, some charcuterie.

• 47:52Rachel Cruze?

  Yeah.

• 47:53George Kamel?

  And they asked where I was from. I said Aldi and he was like, I didn't know they had those here. I thought it was just international. I was like, oh yeah, they got them.

• 47:58Rachel Cruze?

  Yeah.

• 47:58George Kamel?

  I go there all the time.

• 47:59Rachel Cruze?

  It's here.

• 48:00George Kamel?

  And he was like, well, I didn't know. I just do Costco delivery. That's how, the exclusive way we get our groceries. And I was like, wow, that is aspirational to only do Costco and only do delivery. Which is like the most expensive way to get Costco.

• 48:14Rachel Cruze?

  I know. Do you know that? That is, that's one of my go-tos.

• 48:17George Kamel?

  Is Costco delivery. So valet at the airport and Costco delivery.

• 48:21Rachel Cruze?

  Going into Costco. I hate it.

• 48:23George Kamel?

  Why?

• 48:24Rachel Cruze?

  And you know who hates that I hate going into Costco?

• 48:26George Kamel?

  Sharon Ramsey.

• 48:27Rachel Cruze?

  My mother. I mean, yeah, Emily is not, yeah, she knows. She gives me the heart. Rachel, you should go to Costco and walk the aisles. She thinks that I'm missing out on all this stuff. She thinks I'm missing out on all this stuff.

• 48:40George Kamel?

  I'm telling you should go too. If two of the wisest people in your life are telling you to go into Costco.

• 48:44Rachel Cruze?

  No, y'all. My, my app, my Instacart app, it's great. I don't want to, I don't, I don't want to be lugging poppy cans around. I don't want to, I know, I know what I want. I know what I want and I think it saves me money and I'm not kidding. I think I save more money. If I start walking those aisles, y'all, I'm a shopper. You know me.

• 49:03George Kamel?

  Yeah.

• 49:03Rachel Cruze?

  You'd be like, do I need 15 razor blades for shaving? Sure, take that off the shelf. I, I mean, I will be putting stuff in that cart.

• 49:11George Kamel?

  Wow.

• 49:12Rachel Cruze?

  We don't need that. We don't need that, George.

• 49:14George Kamel?

  Okay. That's fine. I'm just saying it was shocking. I just never heard of that, that someone could just not step foot in a grocery store.

• 49:20Rachel Cruze?

  Grocery shop, Costco's not my like grocery store.

• 49:23George Kamel?

  Well, I saw you recently went to Trader Joe's. So you're willing to go to grocery stores. Costco, you know, is a temptation and it's, it's a different vibe.

• 49:30Rachel Cruze?

  It's just a lot. It's a lot.

• 49:32George Kamel?

  You got to be like emotionally ready.

• 49:34Rachel Cruze?

  It's kind of like Home Depot. It makes me sleepy too.

• 49:36George Kamel?

  Oh, you get sleepy in a Home Depot?

• 49:37Rachel Cruze?

  I get sleepy in Home Depot.

• 49:38George Kamel?

  How often are you in a Home Depot?

• 49:40Rachel Cruze?

  Uh, I don't know, but if we go with Winston, I walk in, I think it's the smell, something about it. It makes me very sleepy.

• 49:46George Kamel?

  Is it like the lumber smell?

• 49:47Rachel Cruze?

  It's the opposite. You should be actually like wanting to work harder in a Home Depot.

• 49:51George Kamel?

  The lumber causes slumber.

• 49:53Rachel Cruze?

  Oh, does it?

• 49:54George Kamel?

  There you go.

• 49:55Rachel Cruze?

  I think it does.

• 49:56George Kamel?

  That's science.

• 49:57Rachel Cruze?

  I think it does.

• 49:58George Kamel?

  That's why people like taking naps in woods. Get the hammock out between two trees. Sleep like a baby.

• 50:05Rachel Cruze?

  Hammock hunting. Oh, my gosh. I feel like people are more shocked by me.

• 50:10George Kamel?

  Yeah, you are more shocked.

• 50:11Rachel Cruze?

  I feel like people more are like, you really don't have a credit card? And I'm like, no, I really don't. Um, it's not coming to mind.

• 50:18George Kamel?

  Okay. You don't need one.

• 50:20Rachel Cruze?

  I'm sure it has happened.

• 50:21George Kamel?

  But I'm guilty, so.

• 50:21Rachel Cruze?

  Okay. I know, I'm just, I'm being, I'm being authentic, being real.

• 50:25George Kamel?

  I'm constantly shooketh.

• 50:27Rachel Cruze?

  Shooketh. Well, if you have a guilty as charged question for us, make sure to DM us at Rachel Cruz and at George Kamel. We see them, we screenshot them and we send them.

• 50:34George Kamel?

  We've got a lot of good ones lately.

• 50:35Rachel Cruze?

  We send them to Jenna. We're in a little group text.

• 50:37George Kamel?

  We're going to start calling out the names to give you guys shout-outs.

• 50:39Rachel Cruze?

  Oh, we should.

• 50:40George Kamel?

  I make that promise.

• 50:41Rachel Cruze?

  I know.

• 50:42George Kamel?

  Jenna, write that down. That's good.

• 50:43Rachel Cruze?

  Yes.

• 50:44George Kamel?

  Names mentioned.

• 50:44Rachel Cruze?

  We've gotten some good ones. So thank you guys so much. And if you loved this episode, you're going to love our next episode. Old School Money Habits, Making a Comeback? We have thoughts. So we will link it for you and make sure to subscribe so you don't miss an all-new episode of

• 50:58George Kamel?

  Smart Money Happy Hour.