46 Minutes of Unique TikTok Side Hustles

💻 Take the Side Hustle Quiz here! We all need a little wiggle room in the budget from time to time. Today, we’re reacting to the internet’s latest side hustle quests. Plus, we’ll teach you how to find out which part-time gigs are your perfect match. Next Steps: · 🎙️ Catch our episode We Judge People’s Ridiculous Money Decisions for 58 Minutes! · 💵 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: 🥃 Golden Vale Recipe by: @the.sauceress - 2 ounces Powers Irish Whiskey - 3/4 ounce ginger liqueur - 1/2 ounce lemon juice - 1/2 ounce honey syrup - 2 dashes aromatic bitters - Several sprigs of basil leaves Instructions: Add lemon juice and basil leaves to a cocktail shaker. Muddle into a pulp. Add all additional ingredients. Shake with ice. Fine strain into a rocks glass over several large pieces of cracked clear ice. Garnish with a dried lemon wheel and a sprig of basil. Serve and enjoy! 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?

  Everyone craves a little wiggle room from time to time. So today we're reacting to the internet's latest side hustle quests. I'm MacGyver meets Bear Grylls meets micro.

• 0:14Rachel Cruze?

  You know what Winston tried doing this in college?

• 0:16George Kamel?

  What?

• 0:16Rachel Cruze?

  We weren't dating during this. He told me about it later.

• 0:18George Kamel?

  Probably for the best.

• 0:19Rachel Cruze?

  I have a little bit of tea.

• 0:26Rachel Cruze?

  Hey guys, I'm Rachel Cruz.

• 0:28George Kamel?

  I'm George Kamel.

• 0:30Rachel Cruze?

  And this is Smart Money Happy Hour.

• 0:39George Kamel?

  Is that basil?

• 0:40Rachel Cruze?

  Basil? Woo! Basil basil.

• 0:43George Kamel?

  That's not the basil. That's the Irish whiskey talking.

• 0:46Rachel Cruze?

  You think so?

• 0:47George Kamel?

  I know so.

• 0:48Rachel Cruze?

  Tastes basil-y. Oh, 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.

• 0:56George Kamel?

  But first, let's talk basil. We are sipping on a Golden Vale is what it's called. V A L E. Which I think is how they spell it, like Vale, Colorado.

• 1:05Rachel Cruze?

  Yes.

• 1:06George Kamel?

  Don't know where the name came from, but.

• 1:07Rachel Cruze?

  It came from Vale, Colorado?

• 1:09George Kamel?

  Probably not. Stick around till the end. We're going to give you our rating and reveal the cost per glass. All right, Rachel, back to school is here somehow. We're already here, which means before long you'll be buying Halloween costumes, booking Thanksgiving travel, buying Christmas presents, and then you're already into 2028 somehow.

• 1:27Rachel Cruze?

  Can you believe that? Just it flies over and over.

• 1:30George Kamel?

  Have you seen those clips where all the news anchors are like, can you believe it? It's already July. Like 40 of them at the same time, like they all planned it.

• 1:37Rachel Cruze?

  That's how I feel. That's how I feel. Well, one thing I do know, when kids do go back to school, there's a lot of stay at home parents that are maybe on the debt journey or they're trying to save up for something. They're like, hey, how can I make some extra cash? And we thought we could help them out.

• 1:51George Kamel?

  We can help with that.

• 1:53Rachel Cruze?

  We can do that.

• 1:53George Kamel?

  No matter who you are, when you go back to school, it's like your brain shifts back into like, all right, I gotta be an adult now.

• 1:58Rachel Cruze?

  Yes.

• 1:59George Kamel?

  Summer playtime is over.

• 2:01Rachel Cruze?

  It does.

• 2:01George Kamel?

  Time to make some money.

• 2:02Rachel Cruze?

  Like the second new year too.

• 2:04George Kamel?

  Yeah.

• 2:04Rachel Cruze?

  It feels like, oh my gosh, we're starting over. Everyone's schedules, routines, we are back in it. No more, no more playtime, George.

• 2:12George Kamel?

  Well, I want to know if you could make money doing literally anything as a side hustle, what would it be?

• 2:17Rachel Cruze?

  What would I do?

• 2:18George Kamel?

  I'll say it can't be finance related. That feels like a cheat.

• 2:21Rachel Cruze?

  Personal shopper.

• 2:22George Kamel?

  Oh, that's good. I was gonna say MLM.

• 2:24Rachel Cruze?

  Or closet.

• 2:26George Kamel?

  You would crush. You selling Arbonne.

• 2:29Rachel Cruze?

  It stops.

• 2:30George Kamel?

  Oh my gosh.

• 2:32George Kamel?

  In another life.

• 2:33Rachel Cruze?

  I would then be your enemy. We wouldn't be friends anymore if I did.

• 2:35George Kamel?

  Yeah, no, for sure.

• 2:36Rachel Cruze?

  The way you've been.

• 2:37George Kamel?

  You'd be everything I hate, but.

• 2:39Rachel Cruze?

  We'd be so, we'd be estranged. Our friendship would be estranged.

• 2:42George Kamel?

  Women boss babes.

• 2:43Rachel Cruze?

  I know.

• 2:44George Kamel?

  Be awful. But you'd be a personal shopper?

• 2:46Rachel Cruze?

  Uh, I would do that. Or I would be like a closet, pay me to come clean out your closet.

• 2:51George Kamel?

  Oh, love that. Is that like part stylist too?

• 2:53Rachel Cruze?

  Yeah, sure. All of it. That'd be fun, wouldn't it?

• 2:56George Kamel?

  Okay, sure.

• 2:57Rachel Cruze?

  I like it. Um, what else would I do? I think I could do like a kid. Do I? Hold on. I'm trying to think if I really want to do this for a while.

• 3:06George Kamel?

  Watch your words, because I'll make you do it.

• 3:08Rachel Cruze?

  I know.

• 3:08George Kamel?

  I'll make your dreams come true.

• 3:10Rachel Cruze?

  I know. Uh, but like watching other people's kids, like could I create something at my house that like I would can make some extra money?

• 3:17George Kamel?

  Like an at home daycare.

• 3:19Rachel Cruze?

  I know. That's why I started going down there. I was like.

• 3:21George Kamel?

  Have you met other people's kids?

• 3:22Rachel Cruze?

  I was like, that's.

• 3:24George Kamel?

  They're the worst.

• 3:25Rachel Cruze?

  They're the worst. It is changing a diaper. That's a kid that's not your kid.

• 3:29George Kamel?

  Oh, gosh.

• 3:30Rachel Cruze?

  Never would we ever.

• 3:31George Kamel?

  Never.

• 3:32Rachel Cruze?

  I know.

• 3:33George Kamel?

  It has to be like a, like a niece or nephew would be the only.

• 3:37Rachel Cruze?

  Yeah.

• 3:37George Kamel?

  Like, okay, I can do that.

• 3:38Rachel Cruze?

  Blood related.

• 3:39George Kamel?

  Yes.

• 3:39Rachel Cruze?

  A hundred percent.

• 3:40George Kamel?

  But a stranger's child?

• 3:41Rachel Cruze?

  Wait till you like clean up other kids, you know, throw ups and, and situate. Oh, yeah.

• 3:45George Kamel?

  What do you mean wait? Is there gonna be a day where I have to do that on a regular basis?

• 3:49Rachel Cruze?

  Cause Mia's gonna have friends over playing.

• 3:51George Kamel?

  And they're all just vomiting?

• 3:54Rachel Cruze?

  There will be.

• 3:55George Kamel?

  What went wrong?

• 3:56Rachel Cruze?

  There will be a scenario, George, where you as a parent with a bunch of other kids are going to have to step in and do things that you thought, oh man.

• 4:02George Kamel?

  No one's invited to my house. New rule.

• 4:03Rachel Cruze?

  Never, never. What would you do?

• 4:05George Kamel?

  I think I would be like a reviewer, like a critic. Start a YouTube channel.

• 4:11Rachel Cruze?

  Uh huh.

• 4:11George Kamel?

  I could review, you know, coffees, tech items, everything.

• 4:16Rachel Cruze?

  Appliances?

• 4:17George Kamel?

  Just like, you know, appliances, everything that you don't want to do the research on.

• 4:20Rachel Cruze?

  Mm hmm.

• 4:20George Kamel?

  I'm gonna go first and be brave.

• 4:22Rachel Cruze?

  That's good, George. I like that. Then you kind of have to find your niche and then you're like, oh wow, people really come to me a lot for this.

• 4:30George Kamel?

  They want to know the latest Trader Joe's and Costco items. Are they worth it?

• 4:34Rachel Cruze?

  Yeah, yeah, yeah.

• 4:34George Kamel?

  I'll let you know.

• 4:35Rachel Cruze?

  Yeah.

• 4:35George Kamel?

  You can trust my palate.

• 4:36Rachel Cruze?

  We're gonna go to George's channel and see.

• 4:38George Kamel?

  That would be fun.

• 4:38Rachel Cruze?

  I like that, George. That's good.

• 4:40George Kamel?

  Those aren't really attainable side hustles for most people, like if you just started tomorrow. So if you're looking to find a successful, sustainable side hustle that actually works for you, we've got a great side hustle quiz that matches you with custom suggestions based on your skill, availability and how much you want to get paid. So it's a great resource that we will link in the show notes. And because I'm the guy who goes first, I took the quiz.

• 5:04Rachel Cruze?

  Well, so did I.

• 5:05George Kamel?

  Well, let's see your results.

• 5:06Rachel Cruze?

  Shall we see?

• 5:08George Kamel?

  Oh, and I want to know, let us know in the comments what your results are, because there's kind of like different archetypes.

• 5:13Rachel Cruze?

  Yeah, it is pretty fun. I know. What are they? Do you know them off the top of your head?

• 5:16George Kamel?

  I haven't memorized them. I think there's like four or five.

• 5:19Rachel Cruze?

  Okay, let's, I'm gonna say mine and you say yours at the same time.

• 5:21George Kamel?

  All right, your side hustle results are ready. Look, it's my face.

• 5:24Rachel Cruze?

  Oh, you took your own quiz? That's funny.

• 5:27George Kamel?

  What can I say?

• 5:28Rachel Cruze?

  Okay, the top, the top in the blue box.

• 5:31George Kamel?

  Okay, got it.

• 5:31Rachel Cruze?

  That's my title. I want to know yours. Ready? One, two, three.

• 5:34George Kamel?

  Limited edition. We're the same.

• 5:38Rachel Cruze?

  George, we got the same title.

• 5:40George Kamel?

  Read it out loud what the description is.

• 5:41Rachel Cruze?

  Um, you have a lot of talent to offer. Stop, stop.

• 5:46George Kamel?

  This is like ChatGPT.

• 5:47Rachel Cruze?

  But you're also busy. We get it. You have a life. So the best side hustle for you is one that lets you use your skills and expertise to make money and also doesn't require a ton of time throughout the week or lets you pick up as many or few hours that your schedule allows. Here are some options that would be a good fit for you. Okay.

• 6:06George Kamel?

  Very nice.

• 6:07Rachel Cruze?

  Should we, should we go back and forth?

• 6:08George Kamel?

  It assumes that I have a life. I think I wrote this, so that was very aspirational.

• 6:13Rachel Cruze?

  That was so nice of you.

• 6:14George Kamel?

  It's like, we get it. You have a life.

• 6:15Rachel Cruze?

  You got a life. You got time. You live in an addition, people. All right, mine, um, oh, this is funny.

• 6:20George Kamel?

  Just read out some of your favorites.

• 6:22Rachel Cruze?

  Indoor, outdoor, home maintenance and repair.

• 6:25George Kamel?

  Now we're talking.

• 6:26Rachel Cruze?

  Cleaning your gutters. That's a Rachel thing.

• 6:28George Kamel?

  Now you and Winston could be a great duo. You come into the organization, Winston replaces some light bulbs, bada bing bada boom.

• 6:34Rachel Cruze?

  Bada bing bada boom. We're making it. We're making it. Babysitting.

• 6:38George Kamel?

  There you go.

• 6:39Rachel Cruze?

  Okay, y'all, that was like part of my hunch. Oh no, photography.

• 6:43George Kamel?

  I'll take that one off your hands.

• 6:44Rachel Cruze?

  Yeah, yeah, we don't want to do that.

• 6:46George Kamel?

  Or my speed.

• 6:46Rachel Cruze?

  What's your in-person ones?

• 6:47George Kamel?

  Uh, I have the same. For at home side hustles though, which is a great.

• 6:51Rachel Cruze?

  Wait, you have babysitting, photography and indoor, outdoor, home maintenance and repair?

• 6:55George Kamel?

  Yeah, it doesn't discriminate. You wouldn't trust me with your children? I could fix your wifi. I could help old ladies with their iPhones, increase the font size.

• 7:05Rachel Cruze?

  Tell me this, uh, my tire pressure was low yesterday and I was like, babe, my pressure's low. And he's like, oh, okay. He gets out this little. You got one of those?

• 7:13George Kamel?

  I got one.

• 7:14Rachel Cruze?

  Good. Okay. See? Home repair.

• 7:16George Kamel?

  That one I can do. Inflating a tire, I feel like I'm MacGyver meets Bear Grylls meets micro.

• 7:24George Kamel?

  Combo of all three.

• 7:26Rachel Cruze?

  Oh my gosh. Okay, um.

• 7:28George Kamel?

  At home side hustles.

• 7:29Rachel Cruze?

  Yes. I got freelancing, tutoring and transcribing.

• 7:32George Kamel?

  You're a pretty good typist.

• 7:33Rachel Cruze?

  Yeah, I can type fast. A transcribe-ster. Transponder. Name that show.

• 7:38George Kamel?

  Friends.

• 7:39Rachel Cruze?

  Yes. Pretty good.

• 7:40George Kamel?

  That tickled something in my brain.

• 7:42Rachel Cruze?

  I know.

• 7:43George Kamel?

  I did a lot of freelancing.

• 7:45Rachel Cruze?

  They're like, what does he do? And he's like, he's a, he's a, he's a transponder. And Micah's like, that's not even a word.

• 7:52George Kamel?

  No one knows what he did, right?

• 7:53Rachel Cruze?

  No, that was like the funny humor part of it. Yeah, no one knows what Chandler's job was.

• 7:57George Kamel?

  Tutor if you were gonna tutor someone on a subject.

• 7:59Rachel Cruze?

  Oh my gosh, that's like a good question.

• 8:02George Kamel?

  I'm not sure what you know a lot about outside of like personal finance.

• 8:05Rachel Cruze?

  Books.

• 8:06George Kamel?

  You tutor them on books?

• 8:09George Kamel?

  Okay, got it.

• 8:11Rachel Cruze?

  Um, history. I would do history.

• 8:13George Kamel?

  Okay.

• 8:14Rachel Cruze?

  I love history and I'm good at memorizing things. Do we talk about the ecumenical councils? I can.

• 8:19George Kamel?

  Oh, you know what?

• 8:19Rachel Cruze?

  I can go through church history.

• 8:21George Kamel?

  Church history is a sweet spot for you.

• 8:23Rachel Cruze?

  Yeah.

• 8:24George Kamel?

  That's good.

• 8:25Rachel Cruze?

  Yep. Okay, what about you? What would you tutor?

• 8:27George Kamel?

  Uh, let's see, what am I? I could probably do like, like writing.

• 8:32Rachel Cruze?

  Mm hmm.

• 8:32George Kamel?

  English type stuff, not a lot of reading, not a critical thinking, but.

• 8:36Rachel Cruze?

  Yeah.

• 8:36George Kamel?

  More creative writing.

• 8:37Rachel Cruze?

  I wish I could say math, but as you're gonna learn soon, Tennessee or all of America, I don't know who it is, that's what's called Common Core math. And it is the stupidest math that has ever been created on the face of this earth. And I can barely help my fourth grader with it. Like, I'm like, I, everyone.

• 8:54George Kamel?

  Well, because it makes no sense.

• 8:56Rachel Cruze?

  It makes no sense. So everyone's gonna blow me up in the comments being like, now it's better for your brain. No.

• 9:02George Kamel?

  If you love Common Core math, you're the problem.

• 9:05Rachel Cruze?

  You are the problem. That's it. Yep. So I don't think I could do, I genuinely don't know if I could do math. Like, I don't think I could just step into a classroom and start it.

• 9:13George Kamel?

  I think I forgot how difficult the math got after fifth grade.

• 9:16Rachel Cruze?

  It's tough. It is. It's a lot.

• 9:19George Kamel?

  And it's so, it's not that it's useless, shout out to math teachers, but there's, you can just do it now on your phone.

• 9:25Rachel Cruze?

  That's hard, right? That's a.

• 9:27George Kamel?

  AI calculators.

• 9:28Rachel Cruze?

  I know.

• 9:29George Kamel?

  We got it.

• 9:29Rachel Cruze?

  I know.

• 9:30George Kamel?

  I don't remember the last time I had to do long division in a pinch. You know what I mean?

• 9:34Rachel Cruze?

  Do you, on the Ramsey show though, I do mental math. Do you do that like real quick in your head?

• 9:38George Kamel?

  But it's usually just addition. That's most of it.

• 9:42Rachel Cruze?

  Are you doing like, like in my head, I'm like, okay, they make.

• 9:45George Kamel?

  I'm factoring taxes.

• 9:46Rachel Cruze?

  They make 120.

• 9:47George Kamel?

  I'll say percentages and addition.

• 9:49Rachel Cruze?

  And I'm like, I'm sitting there and then I'm like divide by 12, which is always tough. The 12s have always been hard for me. So then I divide by 10 in my head and I just add a little bit.

• 9:58George Kamel?

  Don't give away all your secrets. Some beautiful mind, good will hunting math over here.

• 10:03Rachel Cruze?

  Call that rough math, but that's, yeah.

• 10:05George Kamel?

  Wow. Well, that was fun.

• 10:07Rachel Cruze?

  Yeah.

• 10:07George Kamel?

  Well, hey, we want to know your side hustle results. So take the quiz with the link in the description. We'll also put a QR code here. If you're watching on your TV, watching us on the big screen in 4K. We appreciate you. That's fun.

• 10:21Rachel Cruze?

  All of it. I know.

• 10:21George Kamel?

  I've always said I only look better in 4K. It only gets better the more you zoom in.

• 10:26Rachel Cruze?

  Only gets better. I know. But you know, when you think about it, you're on YouTube, you're on the internet. You're just filling out forms, doing all this stuff and you're putting your info out there. And that is why having Delete Me in 2026 so needed.

• 10:40George Kamel?

  Yeah. Think about all the forms you filled out, all the places that have your data, where there's data breaches. It's getting sold by all these data broker sites to spammers and scammers. Delete Me scours the internet, hundreds of these data broker sites, removes your info and sends you a report of where they found it, when they removed it, and how much time you've saved.

• 10:57Rachel Cruze?

  Yeah. And we think about, you know, you want certain information protected, right? Like you would never give out your PIN, right? To your bank or these kinds of things. But then we kind of flippantly give out addresses and all of this on these forms. And there is something, knowing that there's a company that is going out in there, going into the internet and just think, hey, we are going to wipe it all clean for you.

• 11:15George Kamel?

  We got you.

• 11:15Rachel Cruze?

  Yes. And especially in these data broker sites. So that's what's most important is they're getting at the source. That's what we like.

• 11:22George Kamel?

  So go check it out and get 20% off an annual plan. Go to joindelete.me/smartmoney. All right, Rachel, it's time. Our team has dug up some of the most unique and possibly unhinged TikToks.

• 11:33Rachel Cruze?

  Oh.

• 11:34George Kamel?

  To show us some side hustles that people are really doing.

• 11:37Rachel Cruze?

  Yes. You know, I don't look at TikTok. Did you know this about me?

• 11:39George Kamel?

  I do know that.

• 11:40Rachel Cruze?

  We talked about this. So whenever I get a chance.

• 11:42George Kamel?

  You're like, ooh.

• 11:43Rachel Cruze?

  I am.

• 11:44George Kamel?

  What a treat. It's like a kid getting screen time.

• 11:46Rachel Cruze?

  I feel like there's a whole other world there.

• 11:49George Kamel?

  It is. You know, I don't actually open the app anymore. I have the app.

• 11:52Rachel Cruze?

  Yeah.

• 11:53George Kamel?

  I don't open it. It's become all TikTok shop.

• 11:55Rachel Cruze?

  Are you more Instagram now?

• 11:57George Kamel?

  Yeah.

• 11:58Rachel Cruze?

  Wow. So you've migrated to the reels.

• 12:02George Kamel?

  Yeah, I do. I will say, I'm mostly reels on Instagram, which means I'm behind the TikTok.

• 12:08Rachel Cruze?

  By a month or two.

• 12:09George Kamel?

  But who's even over there?

• 12:10Rachel Cruze?

  Exactly. Okay. But there are, there is great content though, which is why I'm excited to see it.

• 12:14George Kamel?

  People are doing it.

• 12:15Rachel Cruze?

  Okay. So some side hustle videos. I can't wait.

• 12:18George Kamel?

  Let's dive into the abyss.

• 12:21Speaker 02

  If you want an easy side hustle this summer that you can do from home that is super easy and is bringing in thousands of dollars for people, start selling personalized wedding napkins. People are genuinely making money online with these and they're not even making them by hand. Let me show you what I'm talking about. These personalized wedding napkins are bringing in $6,000 a month. And these monogrammed wedding napkins are bringing in almost $10,000 a month. These are so freaking easy to do. Let me show you how in less than 60 seconds. Head to kittle.com and hit create. Go ahead and do 3,800 pixels by 3,800 pixels and hit create. Under their templates, go ahead and put monogram followed by the design style you're doing. For this, I'm going to be doing pretty. Kittle is the absolute GOAT when it comes to design. They have for monograms, hundreds that you can pick from, depending on your design. But for this example, I'm going to go with this bad boy right here.

• 13:05Rachel Cruze?

  Yeah.

• 13:05Speaker 02

  Now, using bits and pieces from this template, I created my own. I put a nice little embellishment here and also put the establishment year and I changed the color up. Now that I have my completed monogrammed design, I go right on over here to download. Be sure to save this as a PNG and remove the background and then hit export.

• 13:22George Kamel?

  She's lost all credibility.

• 13:23Speaker 02

  Next, head on over to Printify and type in napkin. Printify has tons of napkins that you can choose from, but for today, I'm going to go with this one right here. Once you've selected your product, go ahead and head over to start design. Now take your recently downloaded design and drag and drop it right into here. Now that you have your design right here, go ahead and head over to preview.

• 13:40Rachel Cruze?

  Oh, no, George.

• 13:41Speaker 02

  You have a completed monogrammed napkin and it is absolutely gorgeous.

• 13:45Rachel Cruze?

  Go to the comments.

• 13:46Speaker 02

  The business is called Print On Demand.

• 13:47Rachel Cruze?

  Can we see people comment about it?

• 13:48Speaker 02

  And then the printing company prints, packs and ships it out for you. If you want to learn more about Print On Demand, you can check out the link in my bio.

• 13:54Rachel Cruze?

  Yeah, I love the idea.

• 13:55George Kamel?

  Okay.

• 13:56Rachel Cruze?

  All right. Please see if anyone catches this misspelling.

• 13:58George Kamel?

  100% they caught it.

• 13:59Rachel Cruze?

  I'm so happy about this.

• 14:00George Kamel?

  The noise app. Side shift is also good.

• 14:03Rachel Cruze?

  EST.

• 14:03George Kamel?

  EST. 10 likes? That's it? That should have a million likes on that one comment. Just an example that I did quick, but thanks. Hope you found it informative.

• 14:13Rachel Cruze?

  Oh no, she responded. Oh no.

• 14:16George Kamel?

  Okay. So she clearly is getting paid and like has a course or something, which is fine.

• 14:21Rachel Cruze?

  Yeah, it's great.

• 14:22George Kamel?

  That's not illegal. She's helping people make money online through Print On Demand, which is what this is called.

• 14:26Rachel Cruze?

  Okay. But she's, but she's actually making the napkins though, right?

• 14:30George Kamel?

  No.

• 14:31Rachel Cruze?

  She said that you can make up to $10,000 making napkins.

• 14:33George Kamel?

  It's Print On Demand. So she's not actually needing to get the napkins. She can literally basically get a middleman to do it for her and ship them out.

• 14:43Rachel Cruze?

  Yeah. But you just said she's selling an online course. No, she's not.

• 14:46George Kamel?

  Yeah. Well, she said, use the link in my bio, join the, there's a play, you know?

• 14:51Rachel Cruze?

  Got it. Got it. All right.

• 14:53George Kamel?

  There's always a thing.

• 14:54Rachel Cruze?

  Listen, we are not mad at entrepreneurship. So.

• 14:56George Kamel?

  How to start a profitable Print On Demand and Etsy business. That's her thing.

• 14:58Rachel Cruze?

  Got it. Good for her.

• 14:59George Kamel?

  So just, it's good to call out. That's how she's making her money, not from selling napkins.

• 15:05Rachel Cruze?

  Not from the napkins.

• 15:05George Kamel?

  It's from selling the course about how to sell the napkins.

• 15:08Rachel Cruze?

  The course about how to buy a course of selling the napkins.

• 15:12George Kamel?

  This is not a knock on her. She has very fun bubbly energy.

• 15:15Rachel Cruze?

  Yeah, I like her.

• 15:16George Kamel?

  It would have been a great, if she was my kindergarten teacher, goals.

• 15:19Rachel Cruze?

  Love, love, love.

• 15:21George Kamel?

  I like going up at the end of every sentence.

• 15:22Rachel Cruze?

  You know what though?

• 15:22George Kamel?

  Are you really excited?

• 15:23Rachel Cruze?

  It's so exciting.

• 15:25George Kamel?

  Print your napkins? It's great.

• 15:26Rachel Cruze?

  Misspelling?

• 15:27George Kamel?

  I love that.

• 15:28Rachel Cruze?

  No, but I, I like the creativity of the napkins. I think it's great.

• 15:33George Kamel?

  Can you imagine if she printed them with a misspelling?

• 15:36Rachel Cruze?

  That would be bad. What do you do with that?

• 15:37George Kamel?

  And the bride, the day of the wedding sees the napkins and loses her. Oh man, that would be bad.

• 15:45Rachel Cruze?

  It has more to say about the bride though, if she literally loses her.

• 15:48George Kamel?

  End of that.

• 15:49Rachel Cruze?

  Yeah, tough. Okay.

• 15:50George Kamel?

  Okay. Would you do this?

• 15:52Rachel Cruze?

  Sure. I might go home and do it now.

• 15:55George Kamel?

  I think.

• 15:55Rachel Cruze?

  I need some cocktail napkins at home.

• 15:57George Kamel?

  The problem with this.

• 15:58Rachel Cruze?

  Made Smart Money Happy Hour napkins.

• 15:59George Kamel?

  Oh, that, we should get some custom napkins.

• 16:02Rachel Cruze?

  Let's do it.

• 16:03George Kamel?

  We do those for like Ramsey events. We have like really cool custom napkins.

• 16:06Rachel Cruze?

  Yes.

• 16:07George Kamel?

  And I always go, these are pretty sweet. But then I also go, this was a waste of money.

• 16:12Rachel Cruze?

  But if it didn't cost a ton.

• 16:13George Kamel?

  They're created to be thrown away.

• 16:15Rachel Cruze?

  Yeah, yeah, yeah.

• 16:16George Kamel?

  Who's keeping the napkins?

• 16:17Rachel Cruze?

  It's the experience, George. It's the experience.

• 16:19George Kamel?

  I know.

• 16:19Rachel Cruze?

  Can I say this? Cause you said they were made to be thrown away.

• 16:22George Kamel?

  Oh, I feel like there's tea.

• 16:22Rachel Cruze?

  I have, I do. I have a little bit of tea.

• 16:26Rachel Cruze?

  Uh, is that even a time to use it?

• 16:28George Kamel?

  I don't know.

• 16:29Rachel Cruze?

  Like I watch TikTok. I was like, I just want, someone that shall not be named, son-in-law. Okay. Following me.

• 16:36George Kamel?

  Okay.

• 16:37Rachel Cruze?

  Worked at Taylor Swift and Travis's wedding at Madison Square Gardens. Facts.

• 16:42George Kamel?

  Gardens plural?

• 16:44Rachel Cruze?

  George.

• 16:45George Kamel?

  How many are there?

• 16:46Rachel Cruze?

  George, you are ruining the moment.

• 16:49George Kamel?

  Okay. Sorry. It was a very Kroger's moment for me. Very Aldi's energy. You're like a very southern mom.

• 16:56Rachel Cruze?

  Madison Square Gardens.

• 16:57George Kamel?

  She went to Madison Square Gardens.

• 17:01Rachel Cruze?

  Anyways.

• 17:02George Kamel?

  So he worked a wedding?

• 17:03Rachel Cruze?

  Yes. He had to sign an NDA, didn't know what he was doing because he worked for a company that like does events and stuff.

• 17:08George Kamel?

  That makes sense. So they showed up to the gig.

• 17:10Rachel Cruze?

  Like 24 hours before, hey, there's a gig on Friday. Sign an NDA. They don't, so he left and he's like, I don't, I don't know what I'm doing.

• 17:16George Kamel?

  Celebrity.

• 17:17Rachel Cruze?

  Yeah, I don't know, but I can't, I can't talk about it. Well, he goes, it's their wedding. Oh my gosh. So anyways, all to say, he kept, so you weren't allowed to like.

• 17:27George Kamel?

  Yeah.

• 17:27Rachel Cruze?

  Keep anything. And he kept one of the drinksters because it had like TNT, like, like everything was TNT.

• 17:36George Kamel?

  Yeah.

• 17:36Rachel Cruze?

  TNT, TNT. So I'm saying, I would say you're like the napkins, they should be thrown away. Who would keep those? There are some things you make that were made to be thrown away and it is some people's treasure. That's all I'm going to say.

• 17:47George Kamel?

  I'm waiting for him to try to sell this on eBay. The lawyers track him down in jail for life.

• 17:53Rachel Cruze?

  Straight to jail. Straight to jail. Straight to jail.

• 17:56George Kamel?

  Wow.

• 17:57Rachel Cruze?

  Isn't that cool though?

• 17:58George Kamel?

  That's pretty wild.

• 17:59Rachel Cruze?

  Oh man.

• 18:00George Kamel?

  Someone had to make those for Taylor. Like that's a pretty wild.

• 18:04Rachel Cruze?

  So crazy. Anyways.

• 18:05George Kamel?

  Wedding planner had to be like, yeah, I'm not telling you who it's for. Just need TNT on there.

• 18:08Rachel Cruze?

  That's right. What if she got this girl to make the napkins? Now you would be out of business if you misspelled.

• 18:15George Kamel?

  Established. Man, imagine those get shipped to the bride. The old etts.

• 18:22George Kamel?

  Now maybe the bride wouldn't catch it.

• 18:24Rachel Cruze?

  Those etts are real tough.

• 18:24George Kamel?

  Maybe she's too enthralled in the moment.

• 18:26Rachel Cruze?

  If she's me, I'm not, I'm not noticing.

• 18:28George Kamel?

  But you know, there's a guest at the party that's going to bring it up and ruin her day.

• 18:31Rachel Cruze?

  Yes. Look at this. Terrible.

• 18:34George Kamel?

  Good thing all those napkins will just be thrown away at the end of the party. Although we still have our wedding napkins, say Whitney and George. So who am I to judge?

• 18:41Rachel Cruze?

  We do too, actually.

• 18:42George Kamel?

  We use them at parties.

• 18:44Rachel Cruze?

  Yes. You know, my mom for a Christmas gift got us. Rachel and Winston napkins, just cocktail napkins.

• 18:52George Kamel?

  Just for fun.

• 18:52Rachel Cruze?

  For the fun of it, like two years ago, I was like, I don't know if we're gonna like serve.

• 18:57George Kamel?

  If I was at your house and you served that on a napkin, it'd make me so happy.

• 19:01Rachel Cruze?

  If I served you a napkin, I said, Winston.

• 19:04George Kamel?

  Yes. Cause what if I had forgotten your names and I was in your house and I was like, oh gosh, good reminder. Thank you.

• 19:11Rachel Cruze?

  I can't.

• 19:12George Kamel?

  Thank you.

• 19:12Rachel Cruze?

  I can't.

• 19:14George Kamel?

  God bless Sharon Ramsey.

• 19:15Rachel Cruze?

  Okay. All right. We're only one video in short. So we gotta pick this, pick this train up. Okay.

• 19:20George Kamel?

  Here we go.

• 19:21Speaker 03

  In April, I made over $7,000 without a real job. In May, it will mark one year since I started doing side hustles to pay down my debt. And now it's been my full-time income for the past couple of months, but let's go over how much I made with each side hustle and how I made it. So I'll go lowest to highest. And so starting with mystery shopping, I made $324.19. This was for a handful of apartment tours and then I also did a car wash. This does include the reimbursement from the car wash. It was $27. However, when I received the payment for that shop, plus the reimbursement, it will all be in one chunk.

• 19:59Speaker 03

  And I'm just gonna put that all towards my debt. So I still count it, but just know that $27 of that is reimbursement. The rest was 100% profit.

• 20:07George Kamel?

  Thank you for the.

• 20:07Speaker 03

  Next on our list, I have Amazon Influencer. So I do Amazon review, product reviews. So I just review products I have around my home. In April, I did upload about, I think it was around 35 to 40 product review videos. In April, I made $345.25. So I just got that as a commission. When someone watched my video and then bought a product that I reviewed or one like it. Next up is focus groups. So I did two focus groups. One was a, like a diary study. I just had to record myself doing a specific task with a specific product. I'm not sure how much I'm actually allowed to talk about it. I did that over the course of a couple of weeks.

• 20:46Rachel Cruze?

  Sounds like me.

• 20:47Speaker 03

  It was super easy and actually really fun. It introduced me to a product that I actually use now. That one paid $350 and then I just did a $7 unmoderated focus group, which was just basically filling out a survey on my phone. Next up is views. So I am monetized for my content for videos like this on both Facebook and TikTok. I get paid for my views. That means the more people that watch or interact with my videos, I make more. So thank you so much for being here. Total, I made $411.66 between the two programs. Next up is digital products. So I currently sell a $7 debt and budget tracker. And then I also sell a guide I created on how I make money with affiliate links, which is our next side hustle.

• 21:28Speaker 03

  In total for April, I made $1,940.30. I have those linked at the top of my page if you want to go check those out. And last on our list is affiliate links. This is consistently my highest income earner every single month. For April, I made $4,206.35. Everything linked at the top of my page, except my own digital products I'm an affiliate for. So if someone buys something using one of my links or signs up for a program with one of my links, I earn commission. So thank you so much. If you've ever bought anything from me, this is because of you. So that brings our total for April to $7,500.

• 22:08Rachel Cruze?

  Good night. That's pretty good.

• 22:10George Kamel?

  Hustles. Okay.

• 22:11Rachel Cruze?

  You know what I appreciate about her? She's really taken advantage of the internet, like the world at our fingertips. Everything she just did.

• 22:19George Kamel?

  So resourceful.

• 22:20Rachel Cruze?

  Was built on the internet. Yes.

• 22:22George Kamel?

  And it was consistency over time. You gotta keep showing up, keep making the content.

• 22:26Rachel Cruze?

  It's been a year, she said. So it's taken her a year to get to this point, but 7,500 bucks a month.

• 22:31George Kamel?

  Yeah.

• 22:31Rachel Cruze?

  It's amazing.

• 22:32George Kamel?

  And there's work there. I mean, she's not, it's not passive income where you're just like sitting back. Now the affiliate links, once you build an audience, can be more passive, but it still takes a lot of work just to get here. So I, and I like her energy. I gotta say, some of these TikTokers are insufferable.

• 22:47Rachel Cruze?

  She's.

• 22:48George Kamel?

  I would follow her content. So appreciate that.

• 22:55George Kamel?

  All right, embroidery.

• 22:57Rachel Cruze?

  Cute. That's cute.

• 22:58George Kamel?

  We love a tote.

• 22:59Rachel Cruze?

  You know what? Good for her.

• 23:01George Kamel?

  Bachelorette embroidery. That's a very, uh, that's a good market.

• 23:05Rachel Cruze?

  I was gonna say, if you tap into a market like that and you, and then the next people are gonna be like, oh my gosh, where did you get that? Like, oh, it's this girl here, here, here.

• 23:12George Kamel?

  It's custom, it's unique.

• 23:14Rachel Cruze?

  Yes.

• 23:14George Kamel?

  It kinda marks the moment for the girls.

• 23:17Rachel Cruze?

  I appreciate it.

• 23:18George Kamel?

  Maybe actually get into like bachelor party embroidery. You know, like what if we, all the guys had patches, something manly.

• 23:26Rachel Cruze?

  Just to, just to iron onto their jackets.

• 23:29George Kamel?

  Maybe like matching vapes or something. I don't know what the guys are into. I'll capitalize.

• 23:33Rachel Cruze?

  You should get a, a zen container.

• 23:36George Kamel?

  With a custom.

• 23:37Rachel Cruze?

  With a custom like monogram on it. That's what the dudes would appreciate.

• 23:40George Kamel?

  All the guys have their own little like memorabilia.

• 23:44Rachel Cruze?

  Yeah, yeah. I like it, George.

• 23:46George Kamel?

  Guys, no one steal that idea. I'm gonna use that.

• 23:50Rachel Cruze?

  I like that.

• 23:51George Kamel?

  Okay, this is a huge trend, not just for bachelor parties and bachelorette parties, but kids clothes.

• 23:56Rachel Cruze?

  Yeah.

• 23:56George Kamel?

  I mean.

• 23:57Rachel Cruze?

  If you can embroider, yes.

• 23:58George Kamel?

  Moms love a monogram.

• 23:59Rachel Cruze?

  I do, and I was.

• 24:01George Kamel?

  And southern moms especially.

• 24:02Rachel Cruze?

  A southern mom loves a monogram.

• 24:05George Kamel?

  Wait, is Sharon Ramsey a monogrammer?

• 24:07Rachel Cruze?

  Uh, actually she really wasn't as much. No.

• 24:10George Kamel?

  I wouldn't take her for a mom. She doesn't have that.

• 24:12Rachel Cruze?

  I think they're too poor to be in that, to be in that, to be in that group. No, but I feel like every, like when I went to, there was a consignment sale that I would always buy my kids clothes at. Cause it was at a local church in Nashville, but it was like in Green Hills, which is like the little bit more of the old money of Nashville. And there was a whole, whole section, like a whole line of clothes that was like specific to monograms or embroidery. That, you know, you can't just sell out on any random rack cause it has a kid's name on it. And so it was like, you have to go search if they had it alphabetically. And I got Caroline, multiple embers for the, for Caroline and Charles. Amelia, there wasn't as much. But yeah, you can go and like, they end up selling this stuff cause everything they have is embroidered or has like a.

• 24:54George Kamel?

  Pretty specific.

• 24:55Rachel Cruze?

  Yes, it was great. But I do, I think it's cute to a certain age and then, and then I'm kinda done.

• 25:01George Kamel?

  Yeah, it kinda goes like kids and then bachelorette party and then you're a southern mom.

• 25:06Rachel Cruze?

  Yeah. Yeah, yeah, yeah, yeah.

• 25:07George Kamel?

  I didn't experience that much in the north, growing up in Boston.

• 25:09Rachel Cruze?

  Monograms and like embroidery. Why can't I say?

• 25:12George Kamel?

  People weren't that like that proud of a letter. You know what I mean? Like on a towel, they'll like have a K.

• 25:19Rachel Cruze?

  I think I did.

• 25:20George Kamel?

  We live here, we know our last name. We're good.

• 25:23Rachel Cruze?

  You don't have to tell us.

• 25:24George Kamel?

  The guests also know our last name. If you're in our house, using our towel.

• 25:28Rachel Cruze?

  Yeah, we don't do that.

• 25:30George Kamel?

  It does make you feel a little bit fancy.

• 25:32Rachel Cruze?

  To each its own.

• 25:33George Kamel?

  So there you go. Good money to be made apparently.

• 25:35Rachel Cruze?

  Oh my gosh, I love it. Yep. And then when you make money from your side hustle, actually putting it in a high-yield savings account versus just a standard savings account.

• 25:43George Kamel?

  Making less than half a percent with a brick and mortar bank.

• 25:45Rachel Cruze?

  So important. Yeah. High-yield savings accounts, if you're saving money is where it's at. And you can open one up at Fairwins. So Fairwins is an awesome credit union. And you can actually do the smart bundle where you get a no fee checking account. And you get up to 10 high-yield savings accounts, which I love that. And then, um, yeah, you get the debit card, the debt is normal, be weird Ramsey debit card with it all. And yeah, it is. And can I just tell you, it is so easy. And Winston and I, we use Fairwins now. And so much of the moving around, I still appreciate. Like if we have stuff in our high yield and we need to move something to checking. Or I opened up one for Amelia, cause she's been working this summer. So she has her own little account in Fairwins now, her savings account. And when I pay her, it just, it's automatic. Like it's just such an easy customer interface.

• 26:29Rachel Cruze?

  So for me, that's like one of the pros to it.

• 26:31George Kamel?

  Cause I always use online high-yield savings, but then I had my traditional bank, my regional bank here. And now with Fairwins, I get the best of both worlds.

• 26:39Rachel Cruze?

  That's right.

• 26:39George Kamel?

  Cause they have credit union partners all over the country, 35,000 fee-free ATMs. So you get all the benefits of a local bank with all the benefits of an online bank. So check it out. Get the smart bundle. Just go to fairwins.org/Ramsey.

• 26:54Rachel Cruze?

  Alrighty. Next up, George.

• 26:56George Kamel?

  This is a fun rabbit hole. I'm enjoying this.

• 26:59Rachel Cruze?

  I know.

• 26:59George Kamel?

  It's not as toxic as the traditional TikToks that I have to react to.

• 27:02Rachel Cruze?

  Yeah, no, this is good.

• 27:03Speaker 04

  This is how much I make on the average day as a mobile car detailer. Today it ended up being a little bit over one grand. So for my first car of the day, I got a painfully early start at 6:45 AM. And I usually even start appointment so 10 AM, but for clients like this one, I make exceptions for. You may ask, well, why you make me exceptions for him? And that's because years and years way back, I never would have imagined somebody pay me, a young kid, thousands of dollars to clean and protect their car. But he was one of the first clients to ever do that. And every single year he gets another detail by me and I basically just do the exterior and the interior, redo an application of ceramic on the glass on the interior. Then make sure the ceramic still looking good on the paint. And I ended up making 325 on this detail and it took me about two and a half hours. So now it's about 10 AM and I'm handing my second appointment. How's it going? I'm doing good. Well, I've seen the work you've done with our neighbors, so. Yeah.

• 27:45Rachel Cruze?

  Referrals.

• 27:46Speaker 04

  I'll make yours look like new for you. So circling back on the neighbor thing, it's actually kinda crazy. So I started detailing these townhomes probably in September and now it's July. And I think I've almost done every single car in that whole place. And that's the pretty cool thing about mobile car details, you're pretty much like a walk-in advertisement. So this detail went fairly quick. It only took me about two and a half hours. And granted, it's a Ford Fusion. It's literally the most common car ever detail. So I knocked them out pretty quick, but I made 305 with this with the deposit.

• 28:12Speaker 04

  Now I'm moving on to my third appointment of the day. And honestly, I was puzzled while this dude even booked an appointment with me. Oh, it's a 2024 and I'm not even kidding. It smelled like a brand new car still. And he booked the four works option, which is intended to be a super thorough detail of a car. But I mean, I ain't gonna turn down money. So I mean, I still did everything. So you got a wax on there, inside now detail, underbody wash, and I think that was about it. But here's me being OCD per usual, checking out the final results. Cause even if I see a speck, it's gonna throw me. But this detail with the $20 deposit, I ended up making 355 and it took me about three and a half hours to do it. And this is also my first meal of the day. It started like 5 PM. I know, I'm cooked. You check it out. If you see anything, just let me know.

• 28:51Speaker 04

  Were you able to vacuum underneath this? Man, when he said that, I was like, bruh, I'm about to vacuum imagination, ain't nothing there. You did a lot of work, man. Thank you so much. Yeah, absolutely. So now I'm going to my fourth and last poem of the day, and this is one of my meanest clients I do, and I probably do a car like every one to two months, I would say. But I have a real love-hate relationship with this car because I love detailing because it's satisfying to see the results after, but I never charge enough for doing it. Really, just because the client is just cool as when I really the client, I never charge them full price no matter what. So but and I ended up making $150 on this car and that brought me to the end of my day and I highly suggest you do mobile detailing, make a good living.

• 29:28George Kamel?

  Wow.

• 29:28Rachel Cruze?

  Look at him.

• 29:29George Kamel?

  Yeah, I see a black Range Rover.

• 29:32Rachel Cruze?

  We're gonna

• 29:32George Kamel?

  Generally female.

• 29:34Rachel Cruze?

  Oh, oh, oh.

• 29:35George Kamel?

  I'm just saying. Wow, okay, I like his vibe, very chill.

• 29:39Rachel Cruze?

  Yes, and that's hard work. That's some physical labor in there.

• 29:43George Kamel?

  Oh, yeah.

• 29:44Rachel Cruze?

  Vacuuming, cleaning, I mean, it's all, that's a lot.

• 29:46George Kamel?

  And depending on where you're doing this, it's in the elements, it's in the heat. You have an appointment, you're like, all right, I got an appointment, I gotta show up.

• 29:53Rachel Cruze?

  What am I gonna do? Yep.

• 29:54George Kamel?

  But this, I mean, I've paid mobile detailers before.

• 29:56Rachel Cruze?

  I was gonna say that, I think that's a great

• 29:58George Kamel?

  It feels like a win-win because the person getting the details like, well, this is worth it.

• 30:02Rachel Cruze?

  Thank you so much.

• 30:03George Kamel?

  150, 200 bucks, 250 bucks.

• 30:04Rachel Cruze?

  And they come to you, you're not having to go somewhere.

• 30:06George Kamel?

  Yeah, you don't need a whole shop. And so this is one of the greatest side hustles, especially for like young dudes who are hungry, entrepreneurial, they want to start a business of their own without a lot of upkeep and startup. I mean, you can just literally show up with a little hand vac and some wash material you can get on Amazon.

• 30:23Rachel Cruze?

  That's right.

• 30:24George Kamel?

  And just go for it for less than 100 bucks.

• 30:26Rachel Cruze?

  And the more detailed you are, the better you probably will be at this job.

• 30:28George Kamel?

  I want someone more OCD than me to do the job.

• 30:31Rachel Cruze?

  Please.

• 30:31George Kamel?

  So this one is S tier for me. This is getting an A plus.

• 30:35Rachel Cruze?

  Hey, I've seen those videos.

• 30:36George Kamel?

  You have.

• 30:37Rachel Cruze?

  S tier, A tier, all of it. What does the, what does S mean?

• 30:40George Kamel?

  S tier is just above the A. It's like A++.

• 30:44Rachel Cruze?

  Does it have a word that associates with S?

• 30:46George Kamel?

  I'm not cool enough to know.

• 30:47Rachel Cruze?

  Okay.

• 30:49George Kamel?

  Supreme.

• 30:50Rachel Cruze?

  Or superior?

• 30:52George Kamel?

  Supreme, I like that.

• 30:53Rachel Cruze?

  So it's the ultimate.

• 30:54George Kamel?

  Yeah.

• 30:54Rachel Cruze?

  That's always my question with those videos and the reels.

• 30:57George Kamel?

  I'm surprised you've seen those, but those are getting more popular. I've done a few of those.

• 31:01Rachel Cruze?

  That squirrel?

• 31:02George Kamel?

  No one cares when I do them, but I try.

• 31:03Rachel Cruze?

  I haven't seen yours.

• 31:05George Kamel?

  Exactly. Back to what I said about no one caring when I do them.

• 31:09Rachel Cruze?

  Yeah.

• 31:10George Kamel?

  It's fine. We're having a good time. All right, next up.

• 31:16Speaker 05

  Welcome to Coral Cove Beach Club. Our team is currently unavailable because they're helping guests achieve what doctors refer to as vacation brain. Take a stroll along our private beach, enjoy a frozen coconut drift daiquiri, and remember, if you can still remember your work password, you're not relaxed enough yet. For snorkeling excursions, sunset cruises, or emergency situations involving a beach chair that's slightly too sunny, please leave a message after the tone. Until then, the tide is high, your responsibilities are low, and somebody's probably bringing a pina colada directly to a hammock. We'll return your call as soon as possible. Thanks.

• 31:59George Kamel?

  No way.

• 32:00Rachel Cruze?

  Is that real, you think?

• 32:02George Kamel?

  I want it to be real.

• 32:04Rachel Cruze?

  I, okay, you know what?

• 32:06George Kamel?

  The company's paying for that?

• 32:08Rachel Cruze?

  I would so.

• 32:08George Kamel?

  I love this person just commented representative, all caps. So like, we're done. I agree, a voicemail over 20 seconds, I'm out.

• 32:17Rachel Cruze?

  I don't need it. I don't need it.

• 32:18George Kamel?

  Leaving one.

• 32:19Rachel Cruze?

  We'll go straight to it. It's like

• 32:21George Kamel?

  As far as that was.

• 32:22Rachel Cruze?

  Welcome to Marriott. Press 1 if you need reservations, press 2, just like

• 32:25George Kamel?

  A phone tree kills me.

• 32:27Rachel Cruze?

  Well, no, I was gonna say, I would be efficient. Give me, give me, give me the direction. I'm at the road. Point me in the direction I need to go.

• 32:33George Kamel?

  I just, I'm old school. I just want someone to answer.

• 32:36Rachel Cruze?

  That is true. That is the most.

• 32:38George Kamel?

  You make me go through three layers of phone tree?

• 32:40Rachel Cruze?

  Frustrating. Human, human. That's what I'll say sometimes. Like, get me a person on the phone.

• 32:48George Kamel?

  That is brutal.

• 32:48Rachel Cruze?

  But that's a fun side hustle. If you did have a good audio voice, right, for audio?

• 32:53George Kamel?

  I was gonna say, this could be a good side hustle for you.

• 32:55Rachel Cruze?

  There's a bunch of, oh, I don't feel like I do.

• 32:57George Kamel?

  You could leave a fun voicemail like that. You have like a very friendly voice.

• 33:00Rachel Cruze?

  My range is not great, though.

• 33:03George Kamel?

  I will admit that.

• 33:04Rachel Cruze?

  You know this.

• 33:04George Kamel?

  You're not known for your dynamic range.

• 33:06Rachel Cruze?

  You know this. I am, my, my voice goes about this wide.

• 33:10George Kamel?

  But you could do what she did.

• 33:12Rachel Cruze?

  Hello, welcome to, yeah, figure it out. Yes, maybe. But I do like the idea of using your voice for something that you like.

• 33:18George Kamel?

  Voiceover work, that, you know what? I take it back. The side hustle I would love to do.

• 33:22Rachel Cruze?

  Is voiceover work.

• 33:23George Kamel?

  Voiceover work.

• 33:23Rachel Cruze?

  I know.

• 33:24George Kamel?

  Because you don't have to see my face. And I think that makes it better for everyone.

• 33:27Rachel Cruze?

  Yes, and just like you just

• 33:28George Kamel?

  Okay, you don't have to agree with it that quickly. Yes, not seeing your face, huge plus.

• 33:34Rachel Cruze?

  Huge plus for the people.

• 33:35George Kamel?

  I don't know if it's true, though.

• 33:37Rachel Cruze?

  Okay, I like her.

• 33:38George Kamel?

  I think she just does like funny videos, like kind of

• 33:41Rachel Cruze?

  Yeah.

• 33:41George Kamel?

  comedic.

• 33:42Rachel Cruze?

  But hey, you know what? If it's out there, take it.

• 33:44George Kamel?

  But voiceover work is legit. I do think in the world of AI, it's gonna be harder to stand out in the crowd. So you're gonna have to be, you know,

• 33:53Rachel Cruze?

  That's very true.

• 33:54George Kamel?

  Have your thing that you do really well.

• 33:56Rachel Cruze?

  Oh, yeah, that may be one of the jobs taken from

• 33:58George Kamel?

  Because everybody, everyone's like, I can speak, I can read a sentence.

• 34:01Rachel Cruze?

  I can do that.

• 34:02George Kamel?

  I have a cool voice.

• 34:03Rachel Cruze?

  Give me a teleprompter.

• 34:04George Kamel?

  We love a prompter.

• 34:06Rachel Cruze?

  That is a hard, that's a hard thing to do. I feel like it took me a while to read a teleprompter.

• 34:09George Kamel?

  To read off a teleprompter?

• 34:10Rachel Cruze?

  Yeah.

• 34:10George Kamel?

  That is an acquired skill.

• 34:11Rachel Cruze?

  Yes.

• 34:12George Kamel?

  People think it's so easy. Oh, if it was just in front of me, I could, but then to like make it believable and sell it to the lens, I still struggle with that.

• 34:20Rachel Cruze?

  Sell it to the lens.

• 34:21George Kamel?

  Sell it. See, we have no prompters on this show, believe it or not.

• 34:24Rachel Cruze?

  I know you're shocked.

• 34:26George Kamel?

  We have a loose script that we try to follow. Our writer doesn't love when we go too far off because she worked hard on it.

• 34:33Rachel Cruze?

  Keep us on the rails. Keep us on the rails.

• 34:36George Kamel?

  She does great work.

• 34:36Rachel Cruze?

  All right, what's the next one?

• 34:50George Kamel?

  Okay, let me read what it says on the screen. POV, you're the girl that makes game day pins at your SEC school.

• 34:57Rachel Cruze?

  So she's making game day pins.

• 34:59George Kamel?

  Can I tell you my toxic trait?

• 35:00Rachel Cruze?

  That's creative.

• 35:01George Kamel?

  I couldn't even focus on the video because it's the wrong use of your.

• 35:07Rachel Cruze?

  Oh, you are.

• 35:08George Kamel?

  It should be you are the girl, Y-O-U apostrophe R-E.

• 35:12Rachel Cruze?

  You are, you should be a grammar spell checker.

• 35:15George Kamel?

  I should be.

• 35:16Rachel Cruze?

  For your side hustle, George.

• 35:17George Kamel?

  An editor. I'm not that good at grammar, though.

• 35:20Rachel Cruze?

  Yeah.

• 35:20George Kamel?

  It's just a basic, like, it's the basic stuff.

• 35:23Rachel Cruze?

  Yes, yes.

• 35:24George Kamel?

  If a fifth grader wrote a book, I could edit that.

• 35:26Rachel Cruze?

  Yeah, yeah, yeah.

• 35:27George Kamel?

  Oh, not a bright fifth grader.

• 35:29Rachel Cruze?

  But you could say like, yeah.

• 35:30George Kamel?

  Average fifth grader.

• 35:31Rachel Cruze?

  Okay, but game day pins.

• 35:33George Kamel?

  This is a thing?

• 35:34Rachel Cruze?

  I like it.

• 35:34George Kamel?

  It's a real job. What is a game day pin? See, there's things I don't know about as well.

• 35:38Rachel Cruze?

  It's like the, the one that you put on your shirt.

• 35:40George Kamel?

  I know almost no parts of the sentence. So SEC is

• 35:44Rachel Cruze?

  Southern Eastern Conference.

• 35:46George Kamel?

  Okay, and that's like a tier of schools. Southeastern Conference, which is a conference within college athletics. And so you can be an SEC school, in which case your team is a part of this.

• 35:59Rachel Cruze?

  If you're in the southern.

• 36:00George Kamel?

  If you're in the Southern Eastern.

• 36:01Rachel Cruze?

  Southern Eastern.

• 36:02George Kamel?

  And then they have game days, which is when the game takes place.

• 36:05Rachel Cruze?

  That is true.

• 36:06George Kamel?

  And then she's making she's making custom pins that say what?

• 36:11Rachel Cruze?

  Yeah.

• 36:12George Kamel?

  Okay, this is Ole Miss specifically, so.

• 36:13Rachel Cruze?

  Just pins that you wear, you know, that you like, it has the little needle thing and you whip, sew it through your shirt and clip it.

• 36:19George Kamel?

  Someone said, can I buy one? So clearly, I do think college football is one of the easiest target demos to sell stuff for.

• 36:27Rachel Cruze?

  Oh, my gosh, just like this.

• 36:28George Kamel?

  If I could go back in time, what I, here's my hack. I want to write a theme song for every college football team.

• 36:33Rachel Cruze?

  Oh.

• 36:34George Kamel?

  Isn't that pretty genius?

• 36:36Rachel Cruze?

  Well, but every school has their major song, though.

• 36:39George Kamel?

  Yeah, but those songs are

• 36:40Rachel Cruze?

  Yeah. Do you think you would, you think you would write a song that they would sing at the UT football game over Rocky Top?

• 36:45George Kamel?

  Not necessarily sing, but I think it would be like a bop.

• 36:49Rachel Cruze?

  It's like a part of it. Okay. Okay, yeah, maybe not, not, not for us, though, George, but one of our coworker's daughters made $7,000 by doing this. Isn't that crazy?

• 36:59George Kamel?

  Wow.

• 36:59Rachel Cruze?

  So I don't know if that was like for the whole football season. It may have been, but still, you know.

• 37:04George Kamel?

  That's a heck of a side hustle.

• 37:05Rachel Cruze?

  Two grand a month, why not? Yeah.

• 37:08George Kamel?

  I mean, I don't know how many pins you have to design, but that feels like for the ROI and your time, it is there.

• 37:13Rachel Cruze?

  Okay, do you know what I just thought of? And it kind of made me like, oh, I don't know if I could do it. Putting one of those pins in my Cozy Earth sweatshirt.

• 37:20George Kamel?

  Oh.

• 37:21Rachel Cruze?

  Because it would poke holes in it.

• 37:22George Kamel?

  I can't do it.

• 37:23Rachel Cruze?

  And I think it kind of like made me shudder a little bit. I was like, I don't know if I could do it. I don't know, because the Cozy Earth stuff, it's just the quality. I don't even wanna, I don't even want to mess it up. I want to wear it, but like putting little holes in it makes me nervous.

• 37:34George Kamel?

  No, thank you. It's too nice. Some things are too nice to be just putting holes in it for fun.

• 37:39Rachel Cruze?

  Yeah, because Cozy Earth's products, you guys, from the athleisure to even the bedding, I think I told you this, mom got all new sheets at the, at their lake house, mom and dad's lake house. And when we stayed in it, y'all, I said, Mom, what are these sheets? Cozy Earth. And I was like, of course they are. I took a picture of the tags. These are like, oh, a dream. An absolute dream. Do yourself a favor. Get you some Cozy Earth stuff, y'all. Seriously.

• 38:02George Kamel?

  I was wearing the, the sleep set yesterday. I took a sick day because I'm still getting over my congestion.

• 38:08Rachel Cruze?

  Oh, I'm so sorry.

• 38:09George Kamel?

  To try to prep for this big day with you.

• 38:11Rachel Cruze?

  So sorry, George. So sorry.

• 38:12George Kamel?

  That sleep set, it made me feel better. I don't, I can't prove it that my immune system improved.

• 38:18Rachel Cruze?

  But it might.

• 38:20George Kamel?

  It's close. That's my testimonial. That's my testimony. So go check it out for yourself. You can get up to 20% off. Just go to cozylearth.com/smartmoney.

• 38:29Rachel Cruze?

  Love it. All right, next up, what's our next side hustle, George? I earn over $3,000 every month through side hustles I do from home. If you want to earn extra income without having to grow a social media following, here are my top

• 38:40Speaker 03

  Three side hustles that actually work. Number one is mystery shopping. Companies will pay you to eat at restaurants and then fill out a survey about your experience. Number two, Amazon reviews. Amazon will put your videos directly onto their product pages and you will earn money through commission. Amazon drives all the traffic and you never have to post to social media. Number three is bank bonuses. Banks will pay you to open up an account with them. Hopefully this was helpful. If you want to start any of these side hustles, I have a free guide in my bio to get you started.

• 39:03George Kamel?

  Wow.

• 39:03Rachel Cruze?

  Wait, did she open up bank accounts, like a ton of them?

• 39:07George Kamel?

  Yeah, I think it's sort of a churning thing. So like some banks say, hey, if you deposit $5,000 in the first three months and keep it there, then we'll give you $100, for example.

• 39:18Rachel Cruze?

  Okay.

• 39:19George Kamel?

  So there's things like that, sort of sign, almost like kind of signup bonuses.

• 39:22Rachel Cruze?

  Yeah, yeah, sure.

• 39:23George Kamel?

  But you have to keep a certain amount with the bank for a certain amount of time, probably create a direct deposit. So it is a lot of work.

• 39:29Rachel Cruze?

  Yeah, to get it.

• 39:30George Kamel?

  But if you're like, you're really in it. I mean, and some of these, mystery shopping, it's more of a reimbursement. Rarely do you get paid a lot of money. It's like you go to the restaurant, you pay for the meal and they'll give you the money back.

• 39:41Rachel Cruze?

  Yeah.

• 39:41George Kamel?

  Not really a money-making scheme. Amazon reviews, again, dime a dozen, hard to make a lot of money doing it. So these are okay. I'm going to put them in like a C tier.

• 39:50Rachel Cruze?

  Okay.

• 39:51George Kamel?

  But the bank bonuses, I don't know, they're kind of a gimmick to try to get you to sign up with the bank.

• 39:55Rachel Cruze?

  Sure, I was gonna say, it'd probably be a lot to keep up with.

• 39:58George Kamel?

  Yeah, and very few people stay with the bank. They just move on to the next bank.

• 40:01Rachel Cruze?

  That's right.

• 40:01George Kamel?

  But banks are hoping that you're, I guess, too lazy to switch.

• 40:04Rachel Cruze?

  Yeah, that's just fair. That can happen, that can happen. Well, George, those are creative, you know? I appreciate it.

• 40:10George Kamel?

  Gotta give it to them.

• 40:11Rachel Cruze?

  When you think outside the box, I'm like, you know what? That's, that's what I love.

• 40:15George Kamel?

  It's resourcefulness plus creativity plus effort.

• 40:19Rachel Cruze?

  I think we said this one before, but I heard this, I saw a girl on Instagram do it, and she does people's laundry. And she makes like a couple thousand bucks a month. Like she does really well. Cause she's like, I'm already doing art, so she just likes, yep.

• 40:29George Kamel?

  Oh, at her house?

• 40:30Rachel Cruze?

  Yes.

• 40:30George Kamel?

  Not even at like a laundromat?

• 40:31Rachel Cruze?

  No, no, no, at her house. And she folds it, all of it, and just gets it ready for people. I know.

• 40:36George Kamel?

  If you love laundry, this is a good side hustle for you.

• 40:38Rachel Cruze?

  Seriously, and there are some people where it's like so therapeutic for them. They like really do love it, so.

• 40:42George Kamel?

  That's good. I do think if you took like a half hour and did some soul searching, what are the things that I enjoy doing? What are things that other people would love to get off of their plate that they're willing to pay for? You would find a whole lot of side hustles that are out there, especially right there in your community. I always love to go, what are the things your neighbors could use some help with?

• 41:00Rachel Cruze?

  Yes, we had some boys come clean out our trash cans.

• 41:03George Kamel?

  That's like literally clean them, spray them down, all that.

• 41:06Rachel Cruze?

  Spray them down, soap them up, all of it. And they were like, probably middle school.

• 41:09George Kamel?

  Wow.

• 41:10Rachel Cruze?

  I know, I was like, good for you guys.

• 41:11George Kamel?

  And they can make like, I don't know, 25 bucks a pop doing that.

• 41:14Rachel Cruze?

  35, yeah. It turns 35.

• 41:16George Kamel?

  Your neighborhood's charging a pretty penny.

• 41:17Rachel Cruze?

  But ours was disgusting, disgusting. So I was like, thank you, thank you, thank you.

• 41:21George Kamel?

  And that takes them maybe 10 minutes?

• 41:24Rachel Cruze?

  No, no, I think it, I think it was a little, little bit.

• 41:27George Kamel?

  Those little guys.

• 41:27Rachel Cruze?

  Maybe 45 minutes?

• 41:28George Kamel?

  45 minutes?

• 41:30Rachel Cruze?

  Yeah, you gotta like.

• 41:31George Kamel?

  You just take a pressure washer with some soap and rinse the thing out.

• 41:35Rachel Cruze?

  So detailed, George, you're so detailed.

• 41:36George Kamel?

  I love that you're supporting a small business.

• 41:38Rachel Cruze?

  That is, that's right. I appreciate it.

• 41:40George Kamel?

  That's so great.

• 41:41Rachel Cruze?

  All right, George, before we spill the tea on our Guilty as Charged segments, uh, what are we sipping on?

• 41:45George Kamel?

  This is the Golden Veil.

• 41:47Rachel Cruze?

  I liked it.

• 41:48George Kamel?

  Yeah, what's your rating on this?

• 41:49Rachel Cruze?

  I'll go eight out of 10. A little too basely for me.

• 41:53George Kamel?

  Too basely for you?

• 41:54Rachel Cruze?

  Mm-hmm.

• 41:54George Kamel?

  It's just the leaves.

• 41:56Rachel Cruze?

  No, but I feel like it was like a big aftertaste of basil.

• 41:59George Kamel?

  Okay, we now know you're not a basil girl.

• 42:01Rachel Cruze?

  I like basil, don't put me in that category. But a four-word basil drink, maybe not.

• 42:06George Kamel?

  You ever had basil on some burrata? On a nice slice of tomato with some balsamic?

• 42:12Rachel Cruze?

  Delicious, it's delicious.

• 42:14George Kamel?

  A Caprese?

• 42:15Rachel Cruze?

  It's a Caprese.

• 42:16George Kamel?

  I'm gonna go, uh, I'm gonna go seven out of 10. I think everything's working for me. I think the Irish whiskey is different for my palate.

• 42:24Rachel Cruze?

  Hmm.

• 42:24George Kamel?

  It threw me off a little bit, but I love everything in here. It's got Irish whiskey, ginger liqueur, lemon juice.

• 42:30Rachel Cruze?

  Ginger.

• 42:31George Kamel?

  You're all ginger.

• 42:31Rachel Cruze?

  Is that what I'm tasting?

• 42:32George Kamel?

  You're getting some ginger in there.

• 42:33Rachel Cruze?

  I'm getting the ginger, okay, got it.

• 42:35George Kamel?

  She's not a ginger fan. Honey syrup, aromatic bitters, and the basil leaves.

• 42:40Rachel Cruze?

  Yeah, okay.

• 42:40George Kamel?

  So it's nice, they all work in tandem.

• 42:43Rachel Cruze?

  It works well, yeah, you just gotta like all these ingredients.

• 42:44George Kamel?

  Yeah, and you add a little lemon wedge on there. That's a great, uh, kind of.

• 42:49Rachel Cruze?

  It's beautiful.

• 42:50George Kamel?

  Nice, warm weather drink.

• 42:51Rachel Cruze?

  It's beautiful.

• 42:52George Kamel?

  The total is $3.85 per serving. If you want the recipe, you can get it in the show notes and give it a try at your leisure, if you like basil. I'm trying to see how many people like an anger in the comments today.

• 43:04Rachel Cruze?

  Unbelievable.

• 43:04George Kamel?

  It's called Rage Bait.

• 43:05Rachel Cruze?

  Oh, 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, George, uh, are you guilty of judging a side hustle?

• 43:19George Kamel?

  Oh, boy, am I ever.

• 43:21Rachel Cruze?

  Are you ever? This is George's.

• 43:23George Kamel?

  That's all I do.

• 43:24Rachel Cruze?

  Forte.

• 43:24George Kamel?

  Now, I, I respect anyone who's putting their, their stuff out there.

• 43:27Rachel Cruze?

  Sure, totally.

• 43:28George Kamel?

  Trying to make a buck.

• 43:29Rachel Cruze?

  Totally.

• 43:29George Kamel?

  Where it sort of crosses a line is where you turn people into just like dollar signs. Like everyone is just an opportunity for you.

• 43:39Rachel Cruze?

  Yes.

• 43:40George Kamel?

  You stop, they're like not human anymore.

• 43:42Rachel Cruze?

  I know.

• 43:42George Kamel?

  And so I got an invite on Facebook from a guy's wife, used to work here, and it was for her Pampered Chef virtual party.

• 43:50Rachel Cruze?

  Yeah.

• 43:51George Kamel?

  And my heart just sank in just judgment and sadness. But also shock and awe that her page had like 150 followers and people were signing up for this virtual Pampered Chef party.

• 44:04Rachel Cruze?

  Yeah, they're all about it. I know, I hate to say it, I don't want to be you. I don't want to like follow in your footsteps, George.

• 44:12George Kamel?

  It's people's greatest fear.

• 44:13Rachel Cruze?

  But I've always, I know, I've always had like a little taste in my mouth about the MLMs because of that.

• 44:19George Kamel?

  Same for you.

• 44:20Rachel Cruze?

  Just because it can feel like a little sleazy. Like people, and you get tricked into stuff, like that's happened to me. I've gone to something. And then at the end, I'm like, oh, they're like trying to sell me something, like, oh, I didn't know what I was doing. Yes, yes, yeah.

• 44:36George Kamel?

  You were merely a pawn in their scheme.

• 44:37Rachel Cruze?

  You know what, Winston tried doing this in college.

• 44:39George Kamel?

  What?

• 44:39Rachel Cruze?

  Him and his friend, yes, and I can't remember which one it was, but they had like, and I can't, I can't remember the numbers and we got the story wrong. Let's say 500 bucks, it was a lot like for a college student. I remember thinking, oh my gosh. And they like had to put it forward for like a initial investment to like get whatever it was, and I cannot remember what they were selling. Um, yeah, and then of course it fizzles out, like.

• 45:01George Kamel?

  Was it like Cutco knives or something?

• 45:03Rachel Cruze?

  I know, I'm trying, I, I honestly cannot, we weren't dating during this, he told me about it later.

• 45:07George Kamel?

  It's probably for the best.

• 45:08Rachel Cruze?

  But, but anyways, yep, I don't know, I, I think sometimes it can work for people, it's just, I think I've just had too many experiences where you get whiplashed and you're like, oh, man, so.

• 45:19George Kamel?

  It just, it gives me the ick. We didn't have the word for it back then, but that's what it does.

• 45:23Rachel Cruze?

  Okay, you know?

• 45:24George Kamel?

  I just kind of look at someone a little bit differently forever, and I can't help that. I can't help it.

• 45:30Rachel Cruze?

  George, I'm not that judgmental.

• 45:32George Kamel?

  But if you're making an honest living, doing something that actually serves people, who am I to yuck their yum?

• 45:37Rachel Cruze?

  You know what, I'm gonna say that my, my win for the day though, was that girl who was doing all these different things on the internet. I just think that is just so smart.

• 45:45George Kamel?

  Diversify.

• 45:45Rachel Cruze?

  Diversify, she's got a lot of different things going, and that can actually start to like snowball into a lot of money.

• 45:51George Kamel?

  And then generally, one of them will sort of take the lead and you go, oh, I should keep doubling down on this.

• 45:55Rachel Cruze?

  Yes, yes, yep, so.

• 45:57George Kamel?

  Way to go, internet.

• 45:58Rachel Cruze?

  The internet for the win today. Well, if you have a great Guilty as Charged question, make sure to DM us at Rachel Cruz and at George Kamel. We see them, we love them, we screenshot to our producer Jenna. Thank you so much. And if you loved this episode, you're going to love our episode. We judge people's ridiculous money decisions for 58 minutes.

• 46:18George Kamel?

  It's a spiritual gift.

• 46:19Rachel Cruze?

  Oh, man, George, God forgive us. Well, make sure to join us next Thursday on an all-new episode of Smart Money Happy Hour.