We Predict the Future of 2026—Money, Celebrities and More!

💻 Register for our Take Back Your Money in 2026 livestream for free! No one can predict the future, but sometimes it’s fun to try! Today we’re sharing our best guesses for what’s to come in 2026. From housing and investment trends to celebrity weddings and court cases—we’ve got you covered. Next Steps: 🎙️ Catch our episode We Debunk Your Top Excuses for Not Budgeting. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍾 New Year’s Champagne Champagne of your choice Instructions: Pick up your favorite budget-friendly bottle of champagne and toast to the new year! Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:05George Kamel?

  Happy New Year. You know, we can't predict the future, but why not try? Here's what we think will happen to your money in 2026. Oh, boy. I put my eggs in this very specific basket. I think I cried in my childhood bedroom.

• 0:18Rachel Cruze?

  I think she used to pray for me. I mean, I feel like she's closer to God than I am.

• 0:22George Kamel?

  Higher the hair, the closer to God.

• 0:28Rachel Cruze?

  Hey, guys. I'm Rachel Cruz.

• 0:30George Kamel?

  I'm George Kamel.

• 0:32Rachel Cruze?

  And this is Smart Money Happy Hour. Cheers.

• 0:40George Kamel?

  It's an awfully empty glass.

• 0:41Rachel Cruze?

  We're gonna fill it up in a second, but this is the show where two friends who have new money experts talk about what you're talking about. Everything from pop culture, current events, and money.

• 0:49George Kamel?

  And today, we're popping a bottle to celebrate.

• 0:52Rachel Cruze?

  Let's see if I can do it.

• 0:52George Kamel?

  I'm so nervous.

• 0:54Rachel Cruze?

  Should I, like, let it? No, I won't let it fly. I don't want to ruin everything. Ready?

• 0:59Rachel Cruze?

  Woo! Happy New Year!

• 1:03George Kamel?

  No sound effect needed, just a perfect pop.

• 1:05Rachel Cruze?

  Happy New Year. Man, I love a champ's, and that sound just makes it feel like party.

• 1:10George Kamel?

  You know who loves it more? The producers who did not have to make us a cocktail today.

• 1:13Rachel Cruze?

  I know. We're just doing this.

• 1:15George Kamel?

  Like, we're gonna kick off the new year by not working as hard.

• 1:19Rachel Cruze?

  I'm gonna keep, I'm gonna have to, I'm gonna keep refilling, so you just give me a second.

• 1:23George Kamel?

  Okay.

• 1:23Rachel Cruze?

  You go on. You do the work.

• 1:25George Kamel?

  Like, throughout the episode?

• 1:26Rachel Cruze?

  You do the work. Uh, maybe. But also, just through here where the bubbles.

• 1:29George Kamel?

  It's that kind of year.

• 1:30Rachel Cruze?

  Where the bubbles go down. There, we go.

• 1:32George Kamel?

  Whoa!

• 1:33Rachel Cruze?

  You're good, George.

• 1:34George Kamel?

  That's a, that's a heavy glass.

• 1:36Rachel Cruze?

  George, that's a glass of champagne.

• 1:39George Kamel?

  I don't know where you come from.

• 1:41Rachel Cruze?

  If you poured that into a wine glass, it'd be the size of a glass of wine.

• 1:44George Kamel?

  We'll never financially recover from this.

• 1:45Rachel Cruze?

  Oh, George. Lord. How is it?

• 1:50George Kamel?

  You know?

• 1:50Rachel Cruze?

  That's some...

• 1:52George Kamel?

  It's okay.

• 1:56Rachel Cruze?

  It's technically, look at, look at the bubbles, though. It's technically sparkling wine. It's from California, so it's...

• 2:01George Kamel?

  It says California champagne.

• 2:03Rachel Cruze?

  Well, it's not...

• 2:03George Kamel?

  Can they call it that?

• 2:04Rachel Cruze?

  No, they must have like trademarked that name because champagne can only come from Champagne, France.

• 2:09George Kamel?

  That's a fun fact for trivia night. So that's why they called it California champagne. Comes from the Russian River Valley. All right, Sonoma.

• 2:19Rachel Cruze?

  I love it.

• 2:19George Kamel?

  It's okay.

• 2:21Rachel Cruze?

  So good.

• 2:22George Kamel?

  Anywho.

• 2:23Rachel Cruze?

  Feels like the new year.

• 2:24George Kamel?

  If you want our rating, which I know you do, we're also gonna reveal the cost per glass, all at the end of the episode. Stick around for that. Okay, so in general, Rachel, how do you feel about the beginning of the year? Are you a person who's excited, inspired, it's just a new chapter? A new day, a new dawn? Or does it feel like a lot of pressure? Like, all right, new goals, what are the vibes?

• 2:44Rachel Cruze?

  No, remember, I don't really care for goals. I'm in my no, my no-goal era.

• 2:49George Kamel?

  Because again, you've accomplished everything there is to accomplish.

• 2:51Rachel Cruze?

  It's everything I need.

• 2:52George Kamel?

  Other than going to the moon.

• 2:53Rachel Cruze?

  I think I'm just gould out, you know? Like, I just, I feel like I just always were making goals and the last probably two years was a level of like, hey. I mean, once I talk about like, what do we want to do like with our family and things we want.

• 3:06George Kamel?

  It's not a lack of intentionality.

• 3:07Rachel Cruze?

  No, and like, we want family dinners, like, we have values, like, there's all of that. But this whole like, I need a specific goal that I'm trying to hit. I just, I'm tired, George, tired.

• 3:16George Kamel?

  I feel that.

• 3:16Rachel Cruze?

  I'm tired. So I'm just enjoying it. So the new year feels fun. It feels, it does, I feel like, I feel like a kid where it does feel like it's a new, um, a new leaf. Turning over a new leaf, if you will.

• 3:29George Kamel?

  That's beautiful.

• 3:30Rachel Cruze?

  There's something in there. It's like, oh my gosh, when the calendar starts over and it's a new year, it just feels great. So it's very energizing to me. I don't get drained by it or overwhelmed. Do you?

• 3:39George Kamel?

  Uh, I don't think so. I think there's just a lot of things that you've got to do with the new year. It just feels like, all right, we gotta reset some things, some bad habits. You know, for us, that's like eating. It's like, all right, we've had way too many frozen meals. And just bad habits through the holidays. So you kind of want to, it's more of a detox versus a goal. It's like, let's do less versus doing the most.

• 3:59Rachel Cruze?

  Yeah, Dry January is not starting off good for us right now.

• 4:02George Kamel?

  We're struggling. All righty, but you can do, you know, apple cider.

• 4:07Rachel Cruze?

  For sure.

• 4:07George Kamel?

  Sparkling apple cider, that still hits.

• 4:09Rachel Cruze?

  Yes, for sure, for sure.

• 4:11George Kamel?

  Well.

• 4:12Rachel Cruze?

  Yep. Uh, what do y'all usually do on New Years?

• 4:14George Kamel?

  We used to, when we were single and free and, you know, just a married couple, we used to go out to friends' houses and hang out there all night.

• 4:20Rachel Cruze?

  Yeah, it's fun.

• 4:21George Kamel?

  Nowadays, you might get some friends and hang out for a little bit, but by nine or 10, I'm out.

• 4:26Rachel Cruze?

  I know.

• 4:27George Kamel?

  I'm out.

• 4:27Rachel Cruze?

  Yep, totally. I'm with you.

• 4:30George Kamel?

  And now with babies, I feel like, you know.

• 4:32Rachel Cruze?

  Yes.

• 4:32George Kamel?

  Now I'm stressed out about fireworks and the dogs are barking and the baby's up.

• 4:36Rachel Cruze?

  Yeah, you got all, it's like 4th of July all over again.

• 4:38George Kamel?

  Yeah, I do think it's over. I think staying up till midnight is overrated. That's my hot take.

• 4:44Rachel Cruze?

  You know, I used to be like that. And now there's a part of me, if I can stay up, I usually can't stay up that late anyways, if I could, one night a year, I think it's fun.

• 4:54George Kamel?

  But then you regret it the next day. You feel it at this age.

• 4:56Rachel Cruze?

  Yeah, for sure, for sure.

• 4:58George Kamel?

  You gotta have nothing going on the next day.

• 4:59Rachel Cruze?

  Hundred percent. I know, because we, for the last, gosh, seven years, have been with my family over New Year's.

• 5:04George Kamel?

  Your entire family?

• 5:05Rachel Cruze?

  Yeah, because we go to Mexico.

• 5:08George Kamel?

  Oh, yes, it's a tradition.

• 5:10Rachel Cruze?

  So we're always there for New Year's. So we actually end up watching the New York ball drop, which is almost, I think it's two, sometimes three. The way that line is, depending on daylight savings time. Yeah, it changes. It's either two hours, it's either Mountain Time or Pacific Time, but it depends on, I never can remember what time of year it is.

• 5:30George Kamel?

  10:00 PM and the ball's dropping.

• 5:32Rachel Cruze?

  That's right, that's right.

• 5:33George Kamel?

  Beautiful.

• 5:33Rachel Cruze?

  So that's what we do. And then we tell the kids, like, it's happening, yay! And then they get to celebrate with us, because they're old enough now to stay up to 10 o'clock. And yeah, so it's fun. But then you go to bed at 10, so it's great.

• 5:47George Kamel?

  That's what I'm all, that's what I'm all about.

• 5:49Rachel Cruze?

  That's what we like.

• 5:49George Kamel?

  An early bedtime.

• 5:50Rachel Cruze?

  Yep.

• 5:50George Kamel?

  I'm an old man.

• 5:51Rachel Cruze?

  Mm-hmm.

• 5:52George Kamel?

  Well, listen, we're not the bedding kind, but just for funsies, let's make some financial predictions for the new year. And then we can look back a year from now and say, were we right?

• 6:00Rachel Cruze?

  Yeah.

• 6:01George Kamel?

  Were we wrong?

• 6:01Rachel Cruze?

  And we can do like the money stuff, you know, the housing markets, inflation, all of that. But then let's also do like some, you know, pop culture and some fun, some fun predictions in there too, George. Not that money predictions aren't fun, but...

• 6:15George Kamel?

  They're fun for me. But if you want to guess what celebrities are gonna, who's gonna date who? Was Trudeau and Katy Perry on your bingo card?

• 6:22Rachel Cruze?

  Never, ever, ever.

• 6:24George Kamel?

  Goes to the moon once.

• 6:26Rachel Cruze?

  Goes to the moon. Now she's dating a pro minister.

• 6:30George Kamel?

  Golly.

• 6:31Rachel Cruze?

  What a woman. All right, George, 2026 financial predictions. Let's start off with little interest rates. What do you think's gonna happen there?

• 6:39George Kamel?

  What's on everyone's mind? Well, what we've seen so far is mortgage rates dipping down slower than people would like, but still a consistent drop, you know, a half percent here, a half percent there. Mortgage rates started around 7% in early 2025. That's on a 15-year fixed rate mortgage, now sitting at around 5.5% as of this recording. So, no one can predict for sure, but I think everyone's hopeful that rates will continue to lower and lower. We're not gonna see 3%, but I can see things landing in like a 4.5% to 5% range for a while.

• 7:08Rachel Cruze?

  Yes, which is actually

• 7:10George Kamel?

  Reasonable.

• 7:11Rachel Cruze?

  Very reasonable. I mean, honestly. So, yeah, I do think the trend is still gonna be ticking down slowly. I don't think we're gonna like skyrocket back up. I don't see

• 7:19George Kamel?

  It's a real slow drip

• 7:20Rachel Cruze?

  Yes.

• 7:21George Kamel?

  From the Fed. They're not trying to make big moves fast.

• 7:24Rachel Cruze?

  Yeah, big changes, I know.

• 7:25George Kamel?

  As much as Trump wants them to.

• 7:26Rachel Cruze?

  Feels good. It feels good to, let's be steady. And it continues to be a buyer's market, which I appreciate.

• 7:31George Kamel?

  Yeah, I mean, things have been a little slow, cooling down, and that is good news for buyers who don't have to then fork over and mess with the all cash offers and over asking and

• 7:41Rachel Cruze?

  Yes.

• 7:41George Kamel?

  12 people all at once before it even hits the market.

• 7:43Rachel Cruze?

  Totally.

• 7:44George Kamel?

  So, this could be a great time as rates go down and there's still some houses to be bought.

• 7:48Rachel Cruze?

  I know. There used to be so much competition when it comes to housing. You know what else is in competition out there, George?

• 7:53George Kamel?

  What's that?

• 7:53Rachel Cruze?

  People are trying to get your information online.

• 7:56George Kamel?

  Hot commodity, my information.

• 7:58Rachel Cruze?

  Did you know that? Your name, your address, your email, phone number, kids' names, it's out there. But Delete Me goes in and helps remove your information from the internet to keep it away from spammers and scammers, you know? You know when your phone rings, George? You just want it to be a loved one calling.

• 8:13George Kamel?

  That's right.

• 8:14Rachel Cruze?

  A good friend, an old BFF. You don't want a spammer calling you. So, with Delete Me, I'm telling you. Those, those start to dwindle, dwindle, which we appreciate.

• 8:23George Kamel?

  And they even send you a report. They have the receipts to show you exactly where your info was, where they removed it, and how much time they've saved you. I'm at 108 hours already, so I'm kicking off the New Year strong. Well, all that time saved, I could work out. Do I choose to work out? No, but I could, with all the time Delete Me saves me.

• 8:38Rachel Cruze?

  Do so much good stuff with your time.

• 8:39George Kamel?

  So see how much time they could save you and get some digital peace of mind. Just go to joindelete.me/smartmoney and you'll get 20% off their annual plans. We'll also drop a link in the description below. You're welcome.

• 8:51Rachel Cruze?

  You are welcome. All right, next, George. Sports betting will continue sabotaging young men's lives.

• 8:58George Kamel?

  Good use of sabotaging.

• 8:59Rachel Cruze?

  So 2025 Pew Research Center found that, ready for this, 36% of men under 30 had placed a sports bet within the past year.

• 9:09George Kamel?

  Goodness gracious.

• 9:11Rachel Cruze?

  And this is a higher rate than any other age group.

• 9:14George Kamel?

  Young men, I mean, that's the target demo.

• 9:16Rachel Cruze?

  I was gonna say, I may have added to this percentage.

• 9:18George Kamel?

  Oh, no. You did a sports bet?

• 9:20Rachel Cruze?

  I sports bet $10 on a-

• 9:23George Kamel?

  Did you win?

• 9:23Rachel Cruze?

  On a horse race.

• 9:24George Kamel?

  Oh, gosh.

• 9:25Rachel Cruze?

  Yep, I did. It was the Kentucky Derby, and there was a party.

• 9:31George Kamel?

  Did you do it from home, or were you at the Derby?

• 9:33Rachel Cruze?

  And I was looking up at that screen, and I had no idea what I was looking at, but I was like, what's a cute horse's name? And it was like Bumblebee or something. I was like, cute!

• 9:41George Kamel?

  And then there's like an app?

• 9:42Rachel Cruze?

  10 on Bumblebee.

• 9:43George Kamel?

  How do you, how do you bet on that?

• 9:44Rachel Cruze?

  Just watch it. I don't know. They had like a big chart that they were like, they came up with a big chart or something.

• 9:49George Kamel?

  You were like with a group of people?

• 9:50Rachel Cruze?

  Yeah, yeah, yeah, yeah, yeah.

• 9:51George Kamel?

  It wasn't like an app that you place your bet?

• 9:53Rachel Cruze?

  That's my, that's my, no. No.

• 9:56George Kamel?

  Rachel cannot be bothered to download another app.

• 9:58Rachel Cruze?

  I socially, I socially gamble. Only if other people are around do I gamble.

• 10:01George Kamel?

  Wow, that's true. You are competitive.

• 10:03Rachel Cruze?

  The crap table, or-

• 10:04George Kamel?

  So if everyone's doing it, Rachel sucked in.

• 10:05Rachel Cruze?

  Or, yeah, Kentucky Derby. That's the only one. I don't do fantasy football. I have no desire, but the horse betting, there was something kind of fun about it, and you're really rooting for that horse.

• 10:14George Kamel?

  It does feel like because it's an animal, you feel differently.

• 10:17Rachel Cruze?

  Okay, maybe that's it, George. Yeah, I think so.

• 10:21George Kamel?

  Because it feels even more out of your control.

• 10:23Rachel Cruze?

  It felt more okay for some reason.

• 10:24George Kamel?

  It's like a little jockey, like my size, on the horse, just doing his best. But he doesn't have much control.

• 10:29Rachel Cruze?

  You know, maybe that's what it is. I'm rooting for an animal and I'm rooting for the little guy. You know, the little man can't get ahead. He's getting ahead now.

• 10:36George Kamel?

  The little guy's finally got some love.

• 10:38Rachel Cruze?

  Yeah, instead of like some big football players, uh, you know, I'm so big.

• 10:41George Kamel?

  There's more ego. I've never seen ego from a jockey. They know their place.

• 10:45Rachel Cruze?

  I think so. I think there's something humble about it. Maybe that's why I liked it. Just a humble sports bet. That's what I did.

• 10:50George Kamel?

  So much humility.

• 10:51Rachel Cruze?

  $10. So anyways, I had to confess that because I didn't want to go through this whole point about sports betting. And like, I don't, I don't do that. I did.

• 10:58George Kamel?

  I can proudly say I've never placed one, mostly because I don't know much about sports. So therefore I don't invest in things I don't understand and therefore I don't bet on things I don't understand.

• 11:07Rachel Cruze?

  Yeah.

• 11:08George Kamel?

  But it is an epidemic because now if you count, someone counted the amount of ads on like one ESPN video. Had like 13 ads, all tied to sports betting and FanDuel and MGM Bet and all these different apps. It's insane.

• 11:20Rachel Cruze?

  It's crazy. It is crazy.

• 11:22George Kamel?

  Marketed.

• 11:22Rachel Cruze?

  Yes. Oh yeah. It's so easy to fall into. And the fact that it's becoming more normal makes it not as like intimidating or scary for people. So it's like an easier point of entry. You know what I'm saying? Where it's like, oh yeah, it's not that big of a deal. You're like, man, you're wasting so much money.

• 11:35George Kamel?

  And I miss the days when you could just enjoy a game and then be mad when your team lost.

• 11:39Rachel Cruze?

  And that's it.

• 11:40George Kamel?

  Now you're mad your team lost and you lost money on top of that.

• 11:42Rachel Cruze?

  Totally, yeah.

• 11:43George Kamel?

  Go Vols.

• 11:47Rachel Cruze?

  Thanks, George.

• 11:47George Kamel?

  I've heard people say that.

• 11:48Rachel Cruze?

  Thanks, George.

• 11:49George Kamel?

  Go Big Orange, GBO?

• 11:50Rachel Cruze?

  GBO.

• 11:51George Kamel?

  If you know, you know.

• 11:52Rachel Cruze?

  If you know, you know.

• 11:53George Kamel?

  All right, back to something I kind of understand. Let's talk about Airbnbs.

• 11:57Rachel Cruze?

  Oh, yes.

• 11:57George Kamel?

  Prediction, Airbnb's will continue to lose popularity and therefore be a money losing scheme.

• 12:03Rachel Cruze?

  It is on the down, right? Isn't that right? Isn't it slowly like not becoming as popular?

• 12:08George Kamel?

  I mean, depending on the area, you might see, you know, it's, it's steady. But in a lot of areas, people that jumped into the Airbnb game to try to make a lot of money, uh, they're hurting.

• 12:16Rachel Cruze?

  Yep.

• 12:16George Kamel?

  While Airbnb's can be cheaper on average for multiple nights, the cleanup after yourself culture, the hidden fees, they'll still, I've seen one that was a thousand. $1,000 pet fee.

• 12:25Rachel Cruze?

  Oh my.

• 12:27George Kamel?

  Per night.

• 12:27Rachel Cruze?

  Gosh.

• 12:28George Kamel?

  And somebody paid it and they were like, wow, I'm making money hand over fist.

• 12:31Rachel Cruze?

  Totally, totally.

• 12:32George Kamel?

  The scrappy conditions, the issues you deal with.

• 12:34Rachel Cruze?

  Yeah.

• 12:34George Kamel?

  It's a lot of work for vacation.

• 12:36Rachel Cruze?

  Yes.

• 12:36George Kamel?

  And so I know you prefer a hotel.

• 12:38Rachel Cruze?

  I know.

• 12:39George Kamel?

  In most cases, unless you got a big group of people.

• 12:41Rachel Cruze?

  Yes. Yeah. If it's a big group with multiple families, a house is wonderful, but.

• 12:45George Kamel?

  And free breakfast at the Hampton Inn, just saying.

• 12:47Rachel Cruze?

  There you go. You get to pour those, that batter into the waffle maker.

• 12:50George Kamel?

  I have trust issues with a hotel waffle maker.

• 12:53Rachel Cruze?

  Oh, do you? The cleanliness of it?

• 12:55George Kamel?

  It feels like a public bathroom for your mouth. You know what I mean?

• 12:57Rachel Cruze?

  Gross.

• 12:58George Kamel?

  It just, everybody's using it.

• 13:00Rachel Cruze?

  George Kamel.

• 13:01George Kamel?

  I just, I, I question the conditions.

• 13:04Rachel Cruze?

  Oh my gosh.

• 13:05George Kamel?

  When multiple, thousands have used this. Thousands. I don't know.

• 13:10Rachel Cruze?

  But they clean it, I hope.

• 13:12George Kamel?

  The I hope is the part that I really lean into.

• 13:15Rachel Cruze?

  Fair. Okay, fair.

• 13:16George Kamel?

  That's a good one. Do you have any favorite hotel chains when you're traveling?

• 13:20Rachel Cruze?

  Um, Marriott.

• 13:22George Kamel?

  You do love a Marriott property.

• 13:24Rachel Cruze?

  I don't know. It's the pillows, the beds are so.

• 13:26George Kamel?

  Technically Marriott, and I don't like that.

• 13:28Rachel Cruze?

  It is Marriott. You're right.

• 13:29George Kamel?

  It bothers me.

• 13:30Rachel Cruze?

  I, yes, it is Marriott and apparently Ralph Lauren instead of Lauren.

• 13:35George Kamel?

  Loren?

• 13:35Rachel Cruze?

  Loren, yes. So, yes, Marriott. I've heard, I know, I know, but yeah, that's, um, yeah, that feels safe to me. A courtyard, you know?

• 13:48George Kamel?

  They have a scale, a scale from like budget friendly to fancy.

• 13:51Rachel Cruze?

  Yeah, yeah. Yeah. Cause they're fancy property. I think it's the Ritz.

• 13:54George Kamel?

  I do think it's the same.

• 13:56Rachel Cruze?

  In that family, in the family of hotels.

• 13:57George Kamel?

  It's like Toyota and Lexus. You know, you got.

• 13:59Rachel Cruze?

  That's right. What's yours?

• 14:01George Kamel?

  Um, you know, I don't, I don't go out often these days.

• 14:04Rachel Cruze?

  Okay.

• 14:05George Kamel?

  When I do, well, you know my hack. So I use like a Priceline Express and then I'll find one that's just the best rated. So whatever the best rated, like I love a, a Kimpton in a nice city.

• 14:14Rachel Cruze?

  Oh, Kimtons are fun.

• 14:15George Kamel?

  A Kimpton can be really nice.

• 14:16Rachel Cruze?

  Yes, yes. They can be a little quirky.

• 14:18George Kamel?

  Yes, and I like the quirkiness.

• 14:19Rachel Cruze?

  Do you? All right. I like predictability.

• 14:21George Kamel?

  Let's take some weird art on the walls. You know what I mean?

• 14:23Rachel Cruze?

  And like a weird door into the, like, sometimes like their, like, architecture is kind of funny too.

• 14:28George Kamel?

  Like a random, just red walls everywhere. Like, all right, that was a choice.

• 14:31Rachel Cruze?

  Yeah, like we're, that's what we're doing.

• 14:32George Kamel?

  But for one night, I feel like I'm in an art installation.

• 14:34Rachel Cruze?

  Yeah, there you go.

• 14:35George Kamel?

  That's how I view it.

• 14:37Rachel Cruze?

  Yeah, I know. There's something about a hotel. I don't know. I just like, I like having my bed made when I come back.

• 14:41George Kamel?

  Oh, that's true.

• 14:42Rachel Cruze?

  You know, there's just like those little perks, but you pay more for it.

• 14:45George Kamel?

  Yeah.

• 14:45Rachel Cruze?

  Yeah. That's what it is.

• 14:47George Kamel?

  All right. Next prediction. What do you got?

• 14:48Rachel Cruze?

  Uh, stock market will stay relatively consistent. So it

• 14:52George Kamel?

  What a safe choice.

• 14:55George Kamel?

  No ups, no downs.

• 14:57Rachel Cruze?

  You know, it's done well. Like, we look back the past couple of years. The market's done great. It's done well. And I hope that it continues to, but it feels like it's done really well that I'm like, oh, can we stay that good for this?

• 15:09George Kamel?

  Getting pessimistic, are we?

• 15:10Rachel Cruze?

  Amount of long.

• 15:11George Kamel?

  Well, a lot of people think everything's kind of overblown, overvalued. The AI space is overvalued, tech.

• 15:17Rachel Cruze?

  Right, right.

• 15:17George Kamel?

  Nvidia, healthcare.

• 15:18Rachel Cruze?

  Hey, the guy, did you ever see that movie, The Big Short?

• 15:21George Kamel?

  Yeah.

• 15:21Rachel Cruze?

  Such a good movie.

• 15:22George Kamel?

  Love that movie.

• 15:22Rachel Cruze?

  About where he bet on the housing market and bet, he shorted all the banks. And the banks were like, you're crazy because we're never going to fail. And then they fail in 08. And so, 07, 08. And that same guy, I saw a news article, he's now betting, he's shorting the AI market.

• 15:39George Kamel?

  Oh, wow.

• 15:40Rachel Cruze?

  Yep. So that's the trend.

• 15:41George Kamel?

  Because everyone's rushing to it, pumping money into it. And he's like, hey, this is-

• 15:44Rachel Cruze?

  It's kind of like the tech bubble, the housing, but I don't know. I'm not, I'm not, I'm not even smart enough to go in there and short industries, you know what I mean?

• 15:53George Kamel?

  Yeah.

• 15:53Rachel Cruze?

  Uh, but he's doing it. So let's just be on the lookout, people. You heard it here.

• 15:57George Kamel?

  Head on a swivel, coat orange.

• 15:58Rachel Cruze?

  Coke, condition orange.

• 16:01George Kamel?

  Here's my take. I have, I have faith in the American economy above any politician. You know, I just think like, America's resilient.

• 16:08Rachel Cruze?

  What a patriot.

• 16:09George Kamel?

  That's who I am. And we've seen, you know, 20 something percent in the stock market in multiple years in a row.

• 16:14Rachel Cruze?

  Yeah.

• 16:14George Kamel?

  Will we see a market that goes in the negative for a year?

• 16:18Rachel Cruze?

  No.

• 16:18George Kamel?

  Potentially.

• 16:19Rachel Cruze?

  No.

• 16:19George Kamel?

  For a year.

• 16:20Rachel Cruze?

  I don't think it's going to go in the negative.

• 16:21George Kamel?

  You never know.

• 16:23Rachel Cruze?

  I don't, I don't think so. That's my prediction.

• 16:25George Kamel?

  Also, the American economy is like, it's like Jenga right now. It takes one piece for, to spook people. So temporarily, I could see a-

• 16:32Rachel Cruze?

  Yeah, we've had a lot of spooking, though, and nothing's really moved. That's what's interesting about it. Do you know what I mean?

• 16:36George Kamel?

  For a day, and then it's like, all right, we recovered.

• 16:38Rachel Cruze?

  Yeah, but nothing big. Like, the terrorists we all thought was going to crash, you know, and that didn't really move, like, the economy didn't move much. I don't know. Like, it's, there's been a lot of scares. The housing market was a scare for a little bit.

• 16:47George Kamel?

  Yeah, that's true.

• 16:48Rachel Cruze?

  Everyone really did think like, oh, my gosh, is this a bubble? I don't know.

• 16:50George Kamel?

  It would take like a COVID level thing to see a, a long dip.

• 16:54Rachel Cruze?

  Yes, I would agree with that.

• 16:55George Kamel?

  I'm still investing just the same. So that's a good reminder, is you want to stay on the roller coaster.

• 17:00Rachel Cruze?

  Yes.

• 17:00George Kamel?

  So if you are not inward- Retirement actively taking money out, just keep investing no matter what. Don't pull your money out because what happens is people jump out because they get spooked and they forget to like jump back in.

• 17:10Rachel Cruze?

  Yes.

• 17:10George Kamel?

  Or they try to time it.

• 17:11Rachel Cruze?

  Or they try to jump back in and it's already recovered and then they're buying at the top.

• 17:14George Kamel?

  Exactly.

• 17:15Rachel Cruze?

  Yeah. Yeah, that's a good point, George, is to stay in it. So this year, it's not our, it's not my prediction. But if it goes belly up, you just stay consistent because two, three, four, five, six, seven years from now, you get all those returns, which is great. So stay in the game. Stay in the game. You know what game I'm staying in?

• 17:34George Kamel?

  What's that?

• 17:34Rachel Cruze?

  It's the debit card game.

• 17:36George Kamel?

  Oh, what a great game.

• 17:37Rachel Cruze?

  Fair winds debit card debt is normal be weird the other day when I went to get my nails done. And I was like, here it is. And I love it. You guys, Fair Winds Credit Union is amazing. And they have a smart bundle happening right now for Ramsey listeners where you can get a new no fees checking account, a high yield savings account and the Ramsey debt is normal be weird debit card. And I love it, George, because they're, the way that you use their bank or that on their app and everything, it's so easy. So we've plugged in like all of our other accounts into our Fair Winds account. So we can move money into the Fair Winds account so easily. Like it's awesome. And so whether we're traveling internationally or getting my nails done down the street. It's so great. I use it now. I love it.

• 18:18George Kamel?

  They got rid of international fees after watching my video. So shout out to them. They're changing their process.

• 18:25Rachel Cruze?

  To you, George.

• 18:25George Kamel?

  That's what I'm doing. It's helping save the people money. They looked up and said, do we do that? Yeah, let's get rid of that. Let's serve the Ramsey listeners and Ramsey audience and Smart Money Happy Hour folks even better.

• 18:33Rachel Cruze?

  Fair Winds is awesome, you guys. If you need a banking institution, check them out. You can go to fairwinds.org/Ramsey and sign up for the smart bundle today.

• 18:43George Kamel?

  All right. Back to our predictions. Self-driving cars will become normalized. I'm part of the problem.

• 18:51Rachel Cruze?

  I don't think that's gonna be true.

• 18:53George Kamel?

  Really?

• 18:54Rachel Cruze?

  I don't, normalized is a very big word.

• 18:56George Kamel?

  Well, it's gonna be happening all around us. You won't know it, hopefully.

• 18:59Rachel Cruze?

  No, but I, I, it has been happening. I just don't think it's gonna like, suddenly every car is gonna be self-driving.

• 19:05George Kamel?

  No one said every car.

• 19:06Rachel Cruze?

  But normalized makes it feel like more cars than not.

• 19:09George Kamel?

  I see a lot of Teslas on the road now.

• 19:11Rachel Cruze?

  Yeah.

• 19:12George Kamel?

  And my guess is at least half of them don't have their hands on the wheel. That car is driving itself.

• 19:16Rachel Cruze?

  I know. Do you feel like even in the Ramsey parking lot, we have some charging stations? We only have, we have eight total?

• 19:22George Kamel?

  Yep.

• 19:23Rachel Cruze?

  And

• 19:23George Kamel?

  They're gone.

• 19:24Rachel Cruze?

  I mean, you used to, what, was that three years ago, four years ago?

• 19:27George Kamel?

  There was always an open spot.

• 19:28Rachel Cruze?

  Always. So I never charged my car at home. Now, you gotta kinda play the game. Actually, before this shoot, I went out there, saw an empty spot and I charged him for three hours.

• 19:37George Kamel?

  You gotta take advantage when you can.

• 19:38Rachel Cruze?

  Yeah, I know, just get as much as you can.

• 19:40George Kamel?

  Fun fact, uh, free charging here at the office, if you're an employee. So people take advantage of that.

• 19:44Rachel Cruze?

  It's worth it.

• 19:45George Kamel?

  I charge at home because I'm a good person and I like to leave that spot open.

• 19:48Rachel Cruze?

  You are always charged to the point.

• 19:50George Kamel?

  There's someone out there who really could use the free charge.

• 19:52Rachel Cruze?

  Okay.

• 19:53George Kamel?

  I'm willing to pay.

• 19:53Rachel Cruze?

  I was parked and you were like, at the same time, George goes, Rachel, there's an empty spot. And I said, I know, but I'm at 73%. Like, I don't really need it. And George was like, I would take it. And I was like, alright, I'll fill up to 80%. So I backed into it.

• 20:09George Kamel?

  I was trying to be nice. I was trying to turn a new leaf.

• 20:11Rachel Cruze?

  Oh, you

• 20:13George Kamel?

  But no, I have used the self-driving feature and it is amazing.

• 20:16Rachel Cruze?

  It's amazing.

• 20:17George Kamel?

  Does it have a few bugs here and there? Yes. Do I fear for my life on occasion? Sure. But that's part of the journey. So I do think it's gonna get better. And Elon just said, now, the time of this recording, he said it'll be a month or two, where you can text and drive. So it's not gonna be as, you don't need to be as attentive.

• 20:33Rachel Cruze?

  Yes, because you normally have to look up. Like, they know your eyes, where your eyes are, so your car will beep at you if you're not looking up, which is smart.

• 20:41George Kamel?

  Yeah. They wanna keep you safe.

• 20:42Rachel Cruze?

  Yes.

• 20:43George Kamel?

  To make sure that you're ready to take over at a moment's notice. But I think soon it will become, uh, unsupervised. Right now, it's supervised, soon enough.

• 20:50Rachel Cruze?

  No, I think that that's happening. I agree.

• 20:52George Kamel?

  They got the, you know, the cyber taxi, robo taxi, all of that where, and it's cheaper. I saw a screenshot where

• 20:58Rachel Cruze?

  No way.

• 20:58George Kamel?

  Instead of getting an Uber, it's like, five times less expensive to just take the, the robo car.

• 21:04Rachel Cruze?

  But your control is nowhere to be found when you are, well, I guess it's not even in an Uber either.

• 21:09George Kamel?

  I have very little control in an Uber.

• 21:10Rachel Cruze?

  Yell at the driver and be like, stop, slow down, I don't know.

• 21:13George Kamel?

  My guy last, last time I was in an Uber, full-on conversation in a foreign language loudly for 40 minutes.

• 21:19Rachel Cruze?

  Oh, man.

• 21:20George Kamel?

  On speaker.

• 21:21Rachel Cruze?

  Oh, no.

• 21:23George Kamel?

  Like, can I have some peace? Luckily, I had my noise cancelling headphones on.

• 21:26Rachel Cruze?

  Yeah, that's a lot.

• 21:27George Kamel?

  But I was like, man, golly, at least let me into the conversation.

• 21:31Rachel Cruze?

  Oh, at least let me know what you're talking about.

• 21:33George Kamel?

  I don't can't speak. I can't speak.

• 21:35Rachel Cruze?

  Hey, don't they have a new technology where you can like translate languages?

• 21:38George Kamel?

  The new AirPods have that. I need to get those. That'll be fun.

• 21:43Rachel Cruze?

  All right, buy now, pay later will become more predatory. So loan stacking, consumers can take multiple buy now, pay later loans at once. And they are targeting low income shoppers, more hidden fees, late penalties, all of that, all hidden in the fine print. It's becoming more and more normal.

• 22:02George Kamel?

  Yeah, I was scared of this years ago when it first came out. And we've had buy now, pay later in certain forms, but it just again became so much easier. It's just an app now and just add it to my tab and it's right under the add to cart. And so people are just making smaller and smaller purchases on buy now, pay later.

• 22:17Rachel Cruze?

  Yes.

• 22:18George Kamel?

  And then it just keeps adding to their tab and they can't make the full payment at the end of the month.

• 22:22Rachel Cruze?

  Yeah, it starts, yeah, it starts adding up. And again, it's that whole psychology where you justify, oh my gosh, that's not that much money. Well, I can just add a couple more things because I can definitely make that payment. I was, I was expecting to pay the full thing, but if I don't. And then you end up spending more and to your point, overspending. And if you don't make the payment, then it's all this backed up fees and everything. So it's just not a good, not a good plan.

• 22:44George Kamel?

  And my prediction on top of that, apps will start pushing you to the buy now, pay later option.

• 22:48Rachel Cruze?

  Oh.

• 22:49George Kamel?

  Before you even check out, they're gonna go, hey, this is the smart option. Just make it on payments with our partner, Affirm or Klarna or DoorDash or whoever, you know, because Costco partnered with Affirm, DoorDash is with Klarna. So I think you're gonna start to see that pop up more and more. Because they make more money. And the more you do buy now, pay later, the more you're willing to spend on their app. And companies know this. Stay away, please. If you're listening to this, I hope you don't do that junk.

• 23:11Rachel Cruze?

  No, our listeners never would.

• 23:13George Kamel?

  They're too smart.

• 23:15Rachel Cruze?

  The job market will continue to slow. So as of late September, the Bureau of Labor Statistics said job openings are down, oh gosh, 422,000 from a year ago.

• 23:26George Kamel?

  Yikes.

• 23:27Rachel Cruze?

  That's tough.

• 23:28George Kamel?

  Yeah, we're in a soft market. Will it continue to slow? I do think so. I think it's gonna take, it's gonna be a slow burn to ramp it back up. I don't think it's gonna be one thing where

• 23:36Rachel Cruze?

  Yes.

• 23:37George Kamel?

  we just turn the faucet back on and there's jobs.

• 23:39Rachel Cruze?

  Yes. Yeah, and I guess just businesses overall, what, are becoming more conservative? Watching cash flow, you know,

• 23:47George Kamel?

  And trying to utilize, you know, AI and technology instead of making that next hire.

• 23:51Rachel Cruze?

  Yes.

• 23:51George Kamel?

  And spending 50 grand or whatever. Can they be more nimble?

• 23:55Rachel Cruze?

  Yep.

• 23:55George Kamel?

  With less people?

• 23:56Rachel Cruze?

  Yep.

• 23:56George Kamel?

  And I think the sad answer is they're gonna figure out a way to do that.

• 24:00Rachel Cruze?

  To do it, yeah, to save money.

• 24:01George Kamel?

  In order to keep the revenues up.

• 24:02Rachel Cruze?

  Yes, yes. Oh, that's hard.

• 24:04George Kamel?

  That is hard. What do you, what do you tell someone if they called into the Ramsey Show and said, hey, my job is being replaced?

• 24:10Rachel Cruze?

  Yeah, I think, well, yeah, and if you have to replace your job, I think more than ever, knowing someone inside the company is vital. Like, I think longer the days of just applying online and just hoping you get in. I mean, genuinely, I think that there's so much competition now. So knowing people, having relationships, putting your name out there, your story out there of like, hey, I'm looking, talking to people, I think that networking piece is gonna become more and more vital.

• 24:37George Kamel?

  Yeah, and I think truly, you have to learn AI, how to figure out how to use it for your job, because that makes you irreplaceable.

• 24:43Rachel Cruze?

  Mm-hmm.

• 24:44George Kamel?

  Because we always are gonna need people who can utilize it to do their job better and faster.

• 24:48Rachel Cruze?

  Yep.

• 24:49George Kamel?

  That's what's gonna happen. Those are the people who I think will excel in this market. All right, next up, next prediction, housing market will stay a buyer's market.

• 24:57Rachel Cruze?

  Oh, yeah, we just mentioned that a little bit earlier, but I think that's true.

• 25:00George Kamel?

  So houses have been sitting on the market a little longer lately, which also leads to lower prices over time in general. And if it's a buyer's market, maybe it's your first house, this could be a decent time to shop around. So this is good news. Now, housing prices are still really high.

• 25:14Rachel Cruze?

  Mm-hmm.

• 25:14George Kamel?

  I don't think we're gonna see prices budge a whole lot.

• 25:17Rachel Cruze?

  No.

• 25:17George Kamel?

  Uh, but I do think with interest rates coming down, more people will be letting go of their homes.

• 25:21Rachel Cruze?

  Yes.

• 25:21George Kamel?

  They've been sitting on sort of these golden handcuffs of like, well, I have a 3.5% rate, why would I ever move?

• 25:27Rachel Cruze?

  Yes.

• 25:27George Kamel?

  They might be willing to, to jump to a 4.5%.

• 25:30Rachel Cruze?

  Yes.

• 25:30George Kamel?

  To finally go where they wanna go. So I think that'll loosen up the housing market a little bit. And buyers will be more likely to buy if the rates are a little bit lower. Helps with the payment.

• 25:38Rachel Cruze?

  Yep. And negotiations will

• 25:42Rachel Cruze?

  Be in play as they are now, which is so helpful. If you are buying a home, you're gonna have some power, which is great. And so that's hopefully gonna get some people in the market and get it moving.

• 25:51George Kamel?

  Can I add a bonus prediction to this?

• 25:53Rachel Cruze?

  Oh, I love it. Yes.

• 25:55George Kamel?

  Trump just talked about on his, on Truth Social, the 50-year mortgage.

• 25:59Rachel Cruze?

  No.

• 26:00George Kamel?

  You've heard about this trend. Now, at the time of this recording, they just put it out there and they're confirming they're working on this. That scares me because I think what's gonna happen is home prices will go up because more people can afford it.

• 26:12Rachel Cruze?

  Yeah.

• 26:12George Kamel?

  So it's gonna flood the market with more buyers.

• 26:14Rachel Cruze?

  Mm-hmm.

• 26:15George Kamel?

  Uh, so that does scare me a little bit as the prediction. Here's the overall prediction.

• 26:20Rachel Cruze?

  Which would be a more terrible interest rate.

• 26:22George Kamel?

  Oh, yeah. It's gonna, that interest rate goes up. I did the math for you.

• 26:25Rachel Cruze?

  Yeah.

• 26:25George Kamel?

  A $400,000 loan on a 15-year, for example, will cost you like $5.69, so 170 grand in interest.

• 26:32Rachel Cruze?

  Okay.

• 26:32George Kamel?

  On a 50-year mortgage, it's over a million dollars in interest alone.

• 26:36Rachel Cruze?

  Oh.

• 26:37George Kamel?

  On a $400,000 loan.

• 26:39Rachel Cruze?

  Oh.

• 26:40George Kamel?

  So you're basically renting from the bank instead of a landlord. That's all we've done with this 50-year mortgage.

• 26:44Rachel Cruze?

  Yeah, 100%.

• 26:44George Kamel?

  You'll never actually own anything because you're gonna be crawling to get any equity.

• 26:48Rachel Cruze?

  Man.

• 26:48George Kamel?

  But we've seen this in the car market, too. Seven-year car loans now normalize. So what I think's gonna happen overall is we're gonna keep dragging out the loan terms.

• 26:57Rachel Cruze?

  Yeah.

• 26:57George Kamel?

  To lower the payment so that people can afford things.

• 27:00Rachel Cruze?

  Yep.

• 27:00George Kamel?

  So they can still have their nice car and their nice house.

• 27:02Rachel Cruze?

  And still, yeah, live the life they want.

• 27:04George Kamel?

  Please don't do that.

• 27:05Rachel Cruze?

  But they're in debt that much longer. Oh, man. What a, what a prediction, George.

• 27:09George Kamel?

  Thank you.

• 27:09Rachel Cruze?

  Unbelievable.

• 27:10George Kamel?

  That's a bonus. Didn't even pay for that one.

• 27:12Rachel Cruze?

  Man. All right. Uh, well, let's end, let's end the year on a positive. Yeah. Um, you know, I think the, I think the goal here, don't let fear, 50-year mortgages and millions of dollars in interest paid, don't let fear drive your decision. Actually, that one should drive your decision. Yeah, let's be fearful of that. Let's don't do that.

• 27:31George Kamel?

  Some things is a healthy fear of doing something really stupid.

• 27:34Rachel Cruze?

  Yeah, we don't wanna do something stupid. But this overall sitting and wringing your hands of, oh, my gosh, you know, like, is the Fed gonna lower rates? Is the housing market, what's, you know, I mean, there's so much that we cannot control. And so this year, going into 2026, Just have the pep talk of like, hey, the decisions I make on a day in and day out basis with my money, they're going to affect me either in a positive light or a negative light. And the more positive light in the long-term decisions that you make when you think long-term, I think is the key. So it may not feel good in the moment. You may have to say no every now and then. That's not fun. But if you're doing that, it probably means because you're staying within your means, you're sticking to a plan, and the

• 28:13Rachel Cruze?

  long-term you is going to be thankful. So just be remembering the 2027 you, if you will.

• 28:22George Kamel?

  Yeah.

• 28:22Rachel Cruze?

  Next year.

• 28:23George Kamel?

  Just don't shortcut it. Like, I know it's going to be harder. I know it's going to take longer. It's going to be slower. But that's the right way to do it. The more boring your financial plan is, the better off you're going to be long-term.

• 28:33Rachel Cruze?

  That's right. All right. Before we jump into our pop culture predictions, George, those are going to be fun. Let's chat about something that we have loved this year, Cozy Earth.

• 28:43George Kamel?

  That's always going to make your year better.

• 28:45Rachel Cruze?

  Man.

• 28:46George Kamel?

  Upgrade your year. That's what I'm saying. It's time.

• 28:48Rachel Cruze?

  Yes. I mean, literally, last night, I had my joggers on, my sweatshirts, my Cozy Earth blanket, and a fire. And I was happy as can be. So it is amazing. Their clothes, their bedding, their sheets, their blankets, everything that Cozy Earth has, you guys, the quality is incredible.

• 29:04George Kamel?

  Can I tell you something honestly? I took off my Cozy Earth sweatshirt because I didn't want to get baby spit up on it. That's how much I love it. I'm like, I cannot ruin this. I don't want to have to wash this right now. So I'm going to protect it.

• 29:16Rachel Cruze?

  I'm going to protect my Cozy Earth.

• 29:17George Kamel?

  If I'm holding the baby, the Cozy Earth comes off temporarily.

• 29:20Rachel Cruze?

  Just.

• 29:21George Kamel?

  I can't risk it.

• 29:21Rachel Cruze?

  No, yeah, you got to keep it, keep it clean, you know? I know. But it is, it's incredible. So if you are looking to upgrade your life a little bit, you guys, it is worth it. The Cozy Earth products, anything that you find, again, we are fans of.

• 29:35George Kamel?

  And you can take advantage of Cozy Earth's best discount right now when you go to cozylearth.com/smartmoney, use promo code SMARTMONEY at checkout, and you'll get 20% off. Not a bad deal.

• 29:46Rachel Cruze?

  Not a bad deal at all. All right. Let's do some rapid-fire pop culture, shall we?

• 29:51George Kamel?

  Shall we?

• 29:52Rachel Cruze?

  Predictions. I'll start us off. Taylor and Travis, when are they going to get married?

• 29:56George Kamel?

  Oh, specific wedding day?

• 29:58Rachel Cruze?

  I'm going to predict. Let's go, uh, June feels right to me.

• 30:02George Kamel?

  Okay.

• 30:03Rachel Cruze?

  She loves the number 13, so let's go June 13th.

• 30:07George Kamel?

  That's a Saturday?

• 30:08Rachel Cruze?

  Shall we? I don't know.

• 30:09George Kamel?

  What more evidence do we need?

• 30:10Rachel Cruze?

  Let's check it.

• 30:11George Kamel?

  She loves the number 13.

• 30:12Rachel Cruze?

  Let's check it.

• 30:13George Kamel?

  Is June special to her? Do we know?

• 30:16Rachel Cruze?

  You know, I probably shouldn't know that as a Swift, you know, oh, it is, it is. It's my best, oh my gosh, one of our best friend's birthday. What if her birthday was Taylor Swift and Travis Kelsey's anniversary?

• 30:27George Kamel?

  Now that you could sports bet on.

• 30:29Rachel Cruze?

  That would be pretty cool.

• 30:30George Kamel?

  Rachel will be in for the pool on that. She'd throw 10 bucks in the mix.

• 30:33Rachel Cruze?

  I know, we, uh, at one of our conferences we had here this year, there was a sweet couple and they were talking to me and she, they're from Kansas City. She's like, are you ready for the royal wedding? And I literally went British, you know, in my head. I was like, the royal wedding? She's like, no, Taylor Swift and Travis Kelsey. I was like, oh my gosh, that royal wedding. Yes, I am.

• 30:52George Kamel?

  Are they gonna get married in Kansas City? Is that for sure?

• 30:53Rachel Cruze?

  No, no, no, no, no. But he plays for Kansas City, obviously. Yeah, yeah.

• 30:57George Kamel?

  I just thought, that's okay. Like, we're gonna go the family-oriented route in Kansas City.

• 31:02Rachel Cruze?

  Yeah, no, I don't think they would. I mean, who knows?

• 31:05George Kamel?

  Destination wedding to limit the amount of people?

• 31:08Rachel Cruze?

  I could see like, I could see them doing like a beautiful estate in like France or something, but it's all like blocked off. They don't need, they showed us their engagement pictures. I think we need one wedding picture, Trav and Tay, just one. We don't need the whole thing. I think you keep that to yourselves. I think that's smart. I think you need some boundaries.

• 31:25George Kamel?

  Can we go back to my idea? Livestream it for charity. Pay-per-view. You could solve world hunger if you livestream Taylor Swift's wedding.

• 31:32Rachel Cruze?

  It's so true, though. It is so true.

• 31:34George Kamel?

  Like, the water crisis solved. 20 bucks if you want to watch this thing.

• 31:38Rachel Cruze?

  Oh, man.

• 31:40George Kamel?

  And then the amount of betting you could do on what's going to happen during the wedding and make all of that go to charity, too? We could fund public education. We could give teachers a raise.

• 31:50Rachel Cruze?

  So much for the world.

• 31:51George Kamel?

  All right. Next prediction, nostalgia will continue to make money. The Dawson's Creek reunion happened last year. We love you, James Vanderbeek. Kristen Cavallari, Lauren Conrad, Stephen Coletti? Am I saying that right? Executive producers, working on a two-hour Laguna Beach reunion special in 2026. That feels like a lot. But also not enough if you're a big Laguna Beach fan, I guess. Hilary Duff has come out with new music. Miley is working on something special for the Hannah Montana 20th anniversary.

• 32:20Rachel Cruze?

  Yeah, they're, they're just, they're taking the millennials and they're just.

• 32:24George Kamel?

  You're about to see Backstreet Boys at the Sphere for the second time. So nostalgia makes money. And Rachel is willing to pay.

• 32:31Rachel Cruze?

  I know.

• 32:32George Kamel?

  Didn't you read something about nostalgia and music and how it's ingrained in our souls at that age?

• 32:37Rachel Cruze?

  I know. Yeah, we talked about this at Ramsey Show Live in Chicago. But yeah, there was like a study, someone sent it to me after I went on and on about Backstreet Boys, making me have all these emotions that I didn't even know were inside of me still. I was like, oh my gosh. And they said, yeah, as your brain is forming between the ages, I think it's 10 and 16, literally when like the neurocircuits are connected, like certain parts of your brain, music specifically holds in a part of your brain than any other like decade or even beyond movies or TV shows. It's like music emotionally takes you to a place during that time.

• 33:07George Kamel?

  Well, Chelsea was formative years because you're awkward.

• 33:09Rachel Cruze?

  And I think it's that too. Yes.

• 33:10George Kamel?

  Figure out who you are. You probably have your first kiss, first breakup.

• 33:13Rachel Cruze?

  Yes. I mean, all of it. It's all during those years. Yeah, it's a big deal. So I love that. And I think about that. Amelia's 10.

• 33:20George Kamel?

  Oh, what is she into right now?

• 33:22Rachel Cruze?

  I know. So I'm just like, I'm trying to like, what am I going to shape her into? You know, I feel a little out of the loop. I'm not sure.

• 33:29George Kamel?

  Do they even listen to music or is it like, oh, a trending song on TikTok?

• 33:33Rachel Cruze?

  We've listened to Taylor. I mean, my girl's on TikTok. I mean, yeah, they don't know.

• 33:39Rachel Cruze?

  Yeah. I mean, Taylor's new album has a couple of cute songs. So like, we'll listen to that. Forrest Frank.

• 33:45George Kamel?

  Oh, yeah.

• 33:46Rachel Cruze?

  They do love Forrest Frank. And then randomly, this is so funny, Caroline, she got a karaoke machine for Christmas last year. So it's been a year. And it has the radio dial on it. So there's a station in Nashville called Mix 92.9. It's like oldies and like kind of some current, but it's like, it used to be soft rock, but now it's like, like music that was popular probably 10 years ago. I feel like they like play a lot of that kind of stuff.

• 34:11George Kamel?

  Vintage now. Okay.

• 34:11Rachel Cruze?

  Yeah. And she listens to the radio. She listens to Mix 92.9. So I'll hear like the traffic report coming from her room sometimes, like the radio, the actual radio. So she like, Here's these songs and she like, she memorizes them and something will randomly come on and she starts singing it. And I'm like, Carrie, how do you know that song? And she's like, oh, well, they played on the radio like all the time, you know? But it's like some random song from like No Doubt or so. I mean, like, it's like random. And I'm like, that is so funny to me. So, long answer, I don't know what the kids are listening to.

• 34:41George Kamel?

  What their nostalgia will be, like what the 20th anniversary of Blippi will be.

• 34:44Rachel Cruze?

  Yeah, I don't know.

• 34:45George Kamel?

  Who knows? That's frightening.

• 34:46Rachel Cruze?

  Let's hope, yeah, that there's some, uh, for my own boredom in life. So I'm sorry, people's pain I take as entertainment, but some high profile court cases.

• 34:55George Kamel?

  Oh, boy.

• 34:55Rachel Cruze?

  Is it gonna be happening? So the big one that we're all kind of on pins and needles about is Justin Baldoni and Blake Lively. So they're supposed to meet in court on March 9th.

• 35:05George Kamel?

  Really? It's still going on?

• 35:07Rachel Cruze?

  Still going on.

• 35:07George Kamel?

  I thought the whole thing got dropped.

• 35:08Rachel Cruze?

  No, his side got dropped at some point, but yeah, I don't know. So we are gonna be, I will be watching and waiting. Cause apparently I have no life and I have to live through.

• 35:18George Kamel?

  The other, like, the crazy ones, like the Luigi Mangione and the, and the Charlie Kirk shoot, or like.

• 35:23Rachel Cruze?

  Oh, interesting.

• 35:24George Kamel?

  I think they talked about, should those be public or not, you know?

• 35:28Rachel Cruze?

  Sure, why would they not be, right?

• 35:30George Kamel?

  I don't know, but I think that, again, pay-per-view, make it all go to charity.

• 35:34Rachel Cruze?

  Oh, my gosh.

• 35:34George Kamel?

  Why are we not doing this, guys?

• 35:35Rachel Cruze?

  Why are we not doing this? Okay, you threw this out, but it is true. Um, Backstreet Boys had a very successful reunion. So the prediction is N'Sync will try to compete. And I did hear this, I heard a few of them say like, it'd be, you know, that we're gonna try, but I don't think they can get Justin.

• 35:52George Kamel?

  He's too, too out of it? He's like, no, I'm not going back.

• 35:54Rachel Cruze?

  I think that's why Backstreet Boys worked, cause there wasn't like the one that like.

• 35:58George Kamel?

  Yeah.

• 35:58Rachel Cruze?

  Um, you know.

• 35:59George Kamel?

  Well, can we be honest? There wasn't a lot of ego with Backstreet Boys.

• 36:02Rachel Cruze?

  I know.

• 36:03George Kamel?

  You know?

• 36:04Rachel Cruze?

  Yeah.

• 36:04George Kamel?

  There was only like one hot one.

• 36:06Rachel Cruze?

  You think there was more?

• 36:06George Kamel?

  Like, N'Sync was like, oh, okay, they're all pretty good looking. You know? Backstreet Boys are like, oh, those are just a bunch of dudes. You know?

• 36:15Rachel Cruze?

  Fair, yeah, yeah. I thought some of them were good looking.

• 36:19George Kamel?

  Okay.

• 36:20Rachel Cruze?

  Um, but yeah, we'll see if N'Sync does a reunion. Be interesting.

• 36:23George Kamel?

  That would be big. All right, here's the next one, prediction. Dolly will recover and her Vegas show will resume and be amazing.

• 36:31Rachel Cruze?

  I pray. Someone said, um, this past weekend, I don't know if it's true or not, that she's stopping all public appearances after 2026. Like, this is, this is like one of, yes. Cause interviews, I think we were trying to get her on the ramp. I think we have some connections. I think we've been trying to get Dolly for a while. Not on this show. She's

• 36:46George Kamel?

  Too big for us.

• 36:47Rachel Cruze?

  Too big for us.

• 36:47George Kamel?

  But Dolly, if you're watching, we'd love to have you.

• 36:49Rachel Cruze?

  We'd love to have you.

• 36:50George Kamel?

  Invite's still open.

• 36:50Rachel Cruze?

  But, um, yeah, apparently she's like, like a lot of her people are saying, I don't know. That may be all rumor. So please don't sue me, Dolly, if that is not true. But

• 36:57George Kamel?

  Well, she came out with a video and she was like, I'm fine, guys. Like, my sister blew it out of proportion. I'm doing okay.

• 37:03Rachel Cruze?

  Okay, I know. Well, apparently, yeah.

• 37:06George Kamel?

  But she's earned the right to like, not have to do things anymore.

• 37:09Rachel Cruze?

  Well, sure, yeah.

• 37:09George Kamel?

  But we just want it, as the people.

• 37:11Rachel Cruze?

  Man, what a jewel of a human, though. We need more Dollys in the world.

• 37:13George Kamel?

  Add her to your, uh, celebrity prayer list, would you?

• 37:15Rachel Cruze?

  I don't think I need to pray for her. I think she's, I think she needs to pray for me. I mean, I feel like she's closer to God than I am.

• 37:20George Kamel?

  Higher the hair, closer to God.

• 37:22Rachel Cruze?

  Her, I mean, she is, she's a jewel. She is a jewel of a human.

• 37:25George Kamel?

  Fun pop cul- any bonus pop culture predictions that have been on your mind, or just culture predictions?

• 37:30Rachel Cruze?

  Hmm. What's gonna happen?

• 37:32George Kamel?

  Oh, I have a prediction.

• 37:33Rachel Cruze?

  Yeah.

• 37:33George Kamel?

  I think more young people are going to be seeking out some sort of religion and faith.

• 37:38Rachel Cruze?

  It's up. I saw this stat. It's like 37% of

• 37:42George Kamel?

  It's happening.

• 37:42Rachel Cruze?

  Yes, of Gen Z'ers now claim to be more spiritual than millennials did at their age. Yes.

• 37:48George Kamel?

  Wow.

• 37:48Rachel Cruze?

  They are seeking something, which I think is wonderful.

• 37:50George Kamel?

  That's wonderful.

• 37:51Rachel Cruze?

  I do, too.

• 37:52George Kamel?

  Even if it's for the sole purpose of just being around people and having a community, you know?

• 37:56Rachel Cruze?

  Mm-hmm.

• 37:57George Kamel?

  A positive community. Just that alone is so rare in today's culture and social media. So, I'm here for it.

• 38:03Rachel Cruze?

  That's fun. I love that, George.

• 38:04George Kamel?

  I hope to see more of that. There's my bonus for you.

• 38:06Rachel Cruze?

  So good. All right. Well, you guys remember, this year, stay the course. Focus on your life. Don't get stressed out about everyone else's, cause there's a lot going on. And like we said earlier, control what you can control. I think those are so key.

• 38:20George Kamel?

  And sometimes that feels like very little, but, uh, you can control your life, and that matters to me. So your money, uh, the decisions you make, the mistakes you avoid, all of that has serious consequences for better and for worse. So make good decisions and avoid all of the trends that are out there. Don't try to jump on the flashy thing. If it looks boring, do that. That's usually the right next step.

• 38:41Rachel Cruze?

  I love it. Yep. And we have an upcoming live stream called Take Back Your Money in 2026. That's coming up in January 8th. And we will put a link down below so you can reserve your tickets because it's always great to kind of kick off with some kind of like milestone event just to say, okay, with my money specifically, here's what I'm gonna do. And that live stream is for you guys.

• 39:00George Kamel?

  And it's free, so no reason not to sign up.

• 39:03Rachel Cruze?

  Yeah, that's right. Um, all right, George. Before we spill the tea on our Guilty as Charged segment, uh, what do we rate it?

• 39:11George Kamel?

  I'm gonna give this particular champagne, I'm gonna go four out of 10.

• 39:16Rachel Cruze?

  I was gonna say the same. I hate to say it.

• 39:18George Kamel?

  It's fine. It just has that bite at the end.

• 39:21Rachel Cruze?

  At the end, it's the after that sits on the back and it gets a little bit, yeah.

• 39:26George Kamel?

  I also think champagne needs to be like frosty, you know? This is cold. Don't get me wrong.

• 39:31Rachel Cruze?

  It was cold.

• 39:31George Kamel?

  But I like it frosty.

• 39:33Rachel Cruze?

  Yeah, I know. It's got a little like, um, sour on the back end.

• 39:37George Kamel?

  Yes, and not in a good way, because I like sour.

• 39:40Rachel Cruze?

  Mm hmm.

• 39:41George Kamel?

  This is sour, it hits you.

• 39:42Rachel Cruze?

  But you know, I do like, I just, I just feel like it looks festive and fun, you know? You're at a party and you're like talking with a glass of champagne.

• 39:48George Kamel?

  You're right.

• 39:49Rachel Cruze?

  There's just something about it.

• 39:51George Kamel?

  I agree with you.

• 39:52Rachel Cruze?

  I like the look.

• 39:53George Kamel?

  So we, uh, both rated four out of 10?

• 39:55Rachel Cruze?

  Yeah.

• 39:55George Kamel?

  We both drank about the same amount?

• 39:57Rachel Cruze?

  It looks pretty.

• 39:59George Kamel?

  Well, that's the good news. Champagne always looks the same. You couldn't tell. And the, the price ranges, you know, you can get a, a good $8 bottle, you can spend hundreds of dollars. This one is definitely closer to the $8 range. I can tell you that much. This is definitely your Kroger pick. You know what I mean? Kroger pick, you don't like the party you're going to, bring some of this. This costs, a general $25 bottle would be about $3.50 per serving of champagne.

• 40:25Rachel Cruze?

  Yes, yeah.

• 40:26George Kamel?

  Per drink.

• 40:26Rachel Cruze?

  Yep. So ours was probably like

• 40:28George Kamel?

  Closer to a dollar.

• 40:29Rachel Cruze?

  Yeah, which is great.

• 40:30George Kamel?

  Is that fair? Hey. Maybe, well, the way Rachel poured it, that's probably about a $2 or $3.

• 40:34Rachel Cruze?

  That is a glass of champagne, George. If you're at a restaurant, they fill your champagne glass.

• 40:38George Kamel?

  I've never got champagne at a restaurant, so a way to be unrelatable.

• 40:43George Kamel?

  I just look at the price of a champagne at a restaurant.

• 40:45Rachel Cruze?

  Oh, George, stop. You're so annoying. Oh, my gosh.

• 40:49George Kamel?

  I could have bought a whole bottle of Corble for the same price of this one glass. But if I'm with the cruises, I would buy. I'll celebrate.

• 40:58Rachel Cruze?

  Champagne. Champagne. All right.

• 41:00George Kamel?

  Get the recipe in the show notes. It's called buying a bottle of champagne and pouring it out. But the hardest part, which Rachel did effortlessly, was opening it. I have a deep seated fear.

• 41:09Rachel Cruze?

  Do you want me to tell you the trick of it?

• 41:11George Kamel?

  Yeah.

• 41:12Rachel Cruze?

  Everyone thinks you pop it, you twist.

• 41:15George Kamel?

  It's a twist. Twist and pull.

• 41:17Rachel Cruze?

  And then you hear it come up in it. Yep.

• 41:19George Kamel?

  Yep.

• 41:19Rachel Cruze?

  So if you need to cork a bottle of champagne, yes, undo it all, and then you twist. You don't... That is crazy.

• 41:27George Kamel?

  I just have a weird Final Destination fear that like, what happened to George? Yeah, he passed away. Got hit with a champagne cork. Just hit him right.

• 41:34Rachel Cruze?

  What a way to go down, though.

• 41:35George Kamel?

  I know. Party him.

• 41:37Rachel Cruze?

  Party, you know?

• 41:38George Kamel?

  But it would be like right in the eye or something. You know what I mean?

• 41:40Rachel Cruze?

  Yeah.

• 41:41George Kamel?

  I can't risk it. That's why I wear glasses. Got to have protective eyewear.

• 41:44Rachel Cruze?

  Protect it all. So good.

• 41:45George Kamel?

  All right.

• 41:46Rachel Cruze?

  All right, now it's time for Guilty as Charged. And this is where we ask each other a guilty charge question every week, and if we're guilty, we take a sip. All right, George, have you ever made a decision after banking on something, but then it didn't happen?

• 42:01George Kamel?

  Oh, boy. I put my eggs in this very specific basket.

• 42:04Rachel Cruze?

  You did? Tell me.

• 42:05George Kamel?

  It was a job after college, and it was with the college.

• 42:09Rachel Cruze?

  Oh, yeah.

• 42:09George Kamel?

  So the college sponsored an event called Winter Jam, which is like a big Christian rock concert in arenas.

• 42:15Rachel Cruze?

  Oh, yeah.

• 42:16George Kamel?

  And so they had like a host that would get on stage and pitch the scholarship.

• 42:20Rachel Cruze?

  Were you gonna be?

• 42:21George Kamel?

  And I was gonna be the host, which I thought was a perfect job for me.

• 42:25Rachel Cruze?

  That's a pretty big deal, yeah.

• 42:26George Kamel?

  And I banked on it all summer long. So I went back home for the summer, but I was like, well, I'm going back to Mobile, Alabama, because I'm gonna be the host of Winter Jam on behalf of University of Mobile. Shout out. Go Rams. And I got an email the end of August, and they're like, hello, we have a... We're seeking other candidates for this opportunity. Thank you for applying.

• 42:45Rachel Cruze?

  George!

• 42:46George Kamel?

  I think I cried in my childhood bedroom in Massachusetts, just going like, well, I guess I need to like find a job after spending all summer not searching.

• 42:55Rachel Cruze?

  Oh, no.

• 42:56George Kamel?

  Because I thought it was a shoe-in.

• 42:57Rachel Cruze?

  So you didn't even have like a formal like... Like.

• 43:00George Kamel?

  So I thought.

• 43:01Rachel Cruze?

  Yeah.

• 43:02George Kamel?

  The previous conversation I had, it was like, oh yeah, you'd be great. You know, and I had, I had some stage skills, like they've seen that. So, uh, in hindsight, bullet.

• 43:13Rachel Cruze?

  Man, that's a great story. Yeah. Would you have traveled around with them?

• 43:17George Kamel?

  Yes.

• 43:18Rachel Cruze?

  Oh, wow.

• 43:18George Kamel?

  You would travel with Winter Jam and you get up on stage each night and you do the big pitch for why the school's so great and how we have a scholarship and.

• 43:25Rachel Cruze?

  Dang.

• 43:26George Kamel?

  It would have been perfect now knowing what I do now. That was before I was.

• 43:29Rachel Cruze?

  You would have been so good.

• 43:29George Kamel?

  At Ramsey, so.

• 43:30Rachel Cruze?

  Man.

• 43:31George Kamel?

  But now here I am. So I feel like it worked out.

• 43:33Rachel Cruze?

  Yeah, it all, all roads.

• 43:35George Kamel?

  Do you ever wonder like the alternative universe, if you had just done one thing different in life?

• 43:40Rachel Cruze?

  Yes. You think about the school you go to, whatever it is.

• 43:43George Kamel?

  You wouldn't have met Winston, you wouldn't have had your family.

• 43:45Rachel Cruze?

  All of it, yeah.

• 43:46George Kamel?

  Your kids.

• 43:47Rachel Cruze?

  What do they call it? Is that like the butterfly effect? Like one decision, like the ripples out?

• 43:52George Kamel?

  You tell me. Is that a movie? I think that's a movie.

• 43:56Rachel Cruze?

  The butterfly effect?

• 43:57George Kamel?

  Called the butterfly effect.

• 43:57Rachel Cruze?

  You know, you've heard the butterfly effect, right?

• 43:59George Kamel?

  Yeah.

• 43:59Rachel Cruze?

  It's beautiful, actually. The flap of a butterfly's wings creates a little stirring, you know, and then it moves some pollen and then that pollen grows that flower and that bee that happens to pollinate there and that bee stings that person that has to then go here and then they meet this person and then all of a sudden, all the world is different because of a butterfly's wings.

• 44:20George Kamel?

  You believe that.

• 44:21Rachel Cruze?

  Flap of a butterfly's.

• 44:22George Kamel?

  You don't believe that we landed on the moon, but you believe

• 44:27George Kamel?

  a butterfly changed the trajectory of your life. All right.

• 44:31Rachel Cruze?

  It's just the idea, to your point, that small decisions can change everything.

• 44:35George Kamel?

  Okay. No, you had me with that part. It was the whole butterfly wings flapping.

• 44:39Rachel Cruze?

  But isn't that, that's the idea of it. Is that like it all, like, you know?

• 44:43George Kamel?

  All right.

• 44:43Rachel Cruze?

  Do you know what song always comes in my head? This is a throw, this is a throwback.

• 44:47George Kamel?

  Is it a Samantha Mumba song?

• 44:49Rachel Cruze?

  No, close to it though. Demi Lovato and Joe Jonas had a song together. And I wish I could sing and I would, but I can't.

• 44:57George Kamel?

  Just say the lyrics.

• 44:58Rachel Cruze?

  Um, did you know that the, that the flap of a butterfly's wings, uh, oh man, hold on, I got it. Y'all know what I'm talking about? It was like a random.

• 45:07George Kamel?

  Was this a hit song?

• 45:08Rachel Cruze?

  No, apparently not. Nobody knows it, but I, but me, but Demi Lovato, y'all know it, hold on. She, um.

• 45:16George Kamel?

  Gun to my head, couldn't name a Demi Lovato song. So you're really overestimating my knowledge of Demi. Give me some songs.

• 45:22Rachel Cruze?

  I know, we gotta go, we gotta go, but.

• 45:24George Kamel?

  Sorry, Not Sorry? Don't know it.

• 45:28Rachel Cruze?

  Here, oh, make a wave. Hold on. From Disney Channel. Oh, man.

• 45:34George Kamel?

  I didn't have Disney Channel.

• 45:35Rachel Cruze?

  I know, and this is when I was old. I think they were on American Idol at one point.

• 45:41George Kamel?

  I had to go to grandma's house to watch the Disney Channel.

• 45:44Rachel Cruze?

  Throw a pebble in the water. So it's like the idea.

• 45:50Rachel Cruze?

  What a. What a Disney song.

• 45:52George Kamel?

  Why does it sound like a 2025 worship song?

• 45:59George Kamel?

  Are you kidding me? Switch it to make a way, like make a wave, make a way would be a hit in every church in America.

• 46:08Rachel Cruze?

  Hillsong, if you're listening, you got a, you got a little, you got a writer, you got a writer.

• 46:12George Kamel?

  I'm here, call me up.

• 46:13Rachel Cruze?

  Oh, my gosh, anyways.

• 46:14George Kamel?

  Bethel, hit me up. Bethel, Brandon Lake, where you at, bro?

• 46:17Rachel Cruze?

  We gotta, we gotta bring it back.

• 46:18George Kamel?

  Jelly Roll, call me.

• 46:19Rachel Cruze?

  We gotta bring it back, okay.

• 46:21George Kamel?

  All right, do you have a story?

• 46:22Rachel Cruze?

  I don't think I do, I'm not coming up with one in my head. I'm sorry, you took the cake on that.

• 46:26George Kamel?

  You've never banked on anything, I feel like.

• 46:27Rachel Cruze?

  I'm sure.

• 46:28George Kamel?

  It's all just happened. It's like, didn't have to really bank, just sort of, you know. You were a butterfly, just floating. To life.

• 46:37Rachel Cruze?

  Changing the course of the universe.

• 46:39George Kamel?

  Yeah.

• 46:39Rachel Cruze?

  Um, if anything, it'd be like a, like, um, like if I had a speaking gig and it was like, oh, you're gonna get paid this much on this date. And then when you complete it, and I'm like, oh, my gosh, okay, I'm probably gonna get, you know, I make something up in my head of what I'm gonna do with that. And then it never goes to contract and you're like, crap.

• 46:55George Kamel?

  Yeah.

• 46:55Rachel Cruze?

  Thought I was gonna make that money and it didn't.

• 46:56George Kamel?

  That is frustrating, it's kind of like you thought you were gonna get a bonus and it just didn't come through.

• 47:00Rachel Cruze?

  Yeah, yeah, yeah, it would be along those lines, but. All right, well, if you have a guilty as charged question, make sure to DM us at Rachel Cruz and at George Kamel. We love getting them and if you enjoyed this episode, you will love our episode where we debunk your top excuses for not budgeting. So we'll put a link for you and make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.