Your Money Habits Are Our Financial Pet Peeves—Let’s Talk! (With Jade Warshaw)

📖 Order Jade’s new book, What No One Tells You About Money. Are you guilty of these annoying money habits? In this episode, we sit down with Jade Warshaw to rant about our biggest financial pet peeves. Let’s get into it! Next Steps: 🎥 Watch our video Dave Ramsey Answers Your Most-Asked Questions. 💵 Start your free budget today. Download the EveryDollar app! 🍸 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: Go to FAIRWINDS Credit Union for an exclusive account bundle! Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Tequila Old Fashioned Recipe from Tommacy Cocktails 2 ounces reposado tequila 1/4 ounce mezcal 1/2 ounce agave nectar 2 dashes orange bitters 2 dashes black walnut bitters Orange peel (optional) Instructions : Combine all ingredients in a mixing glass with ice. Stir for about 20–30 seconds until well chilled. Add a bourbon ice cube to a lowball or rocks glass and strain the drink into the glass over the ice. Express an orange peel over the drink by squeezing it to release the oils. Run the peel around the rim, drop it into the drink, and enjoy! 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?

  Today, we asked a debt payoff legend to help us unpack some financial pet peeves with a little tough love.

• 0:11Rachel Cruze?

  I'm gonna get riled up. And I'm so sorry, because I'm sure some of you watching and listening are these people. So, sending Venmo payments to a spouse. You don't feel like this is like, the highest of offenses?

• 0:22George Kamel?

  Just horrible. No, that's a violation of human rights.

• 0:24Rachel Cruze?

  Hey, guys, I'm Rachel Cruz.

• 0:32George Kamel?

  I'm George Kamel.

• 0:33Speaker 02

  I'm Jade Warshaw.

• 0:35Rachel Cruze?

  And this is Smart Money Happy Hour. Cheers!

• 0:43Rachel Cruze?

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

• 0:49George Kamel?

  But first, let's talk about what we're sipping on. It is a tequila Old Fashioned.

• 0:54Speaker 02

  I love it.

• 0:55Rachel Cruze?

  I do, too.

• 0:56George Kamel?

  A refined drink for a refined guest today.

• 0:57Speaker 02

  Okay, I've never been described as one of those.

• 1:00Rachel Cruze?

  Jade, welcome to Smart Money Happy Hour.

• 1:02Speaker 02

  Thank you.

• 1:03Rachel Cruze?

  We're so glad you're here. We get comments all the time, I feel like, from other episodes with other guests, and everyone's like, "Have Jade Warshaw."

• 1:08George Kamel?

  Bring on Jade.

• 1:09Rachel Cruze?

  Yep.

• 1:10Speaker 02

  Well, give the people what they want.

• 1:11George Kamel?

  I know you're here for the cocktail, Jade, so that's what we're all here for. So, if you want the recipe, the ratings, stick around to the very end, we're gonna share all of that.

• 1:19Rachel Cruze?

  Yeah, it's happening.

• 1:22George Kamel?

  I can't believe, it's been too long. We're sorry.

• 1:24Speaker 02

  It's okay.

• 1:25Rachel Cruze?

  I apologize.

• 1:26George Kamel?

  It's not you, it's us.

• 1:27Speaker 02

  I cried in the shower several times about it, but here we are.

• 1:31Rachel Cruze?

  You've not been a guest.

• 1:32George Kamel?

  I like the buildup of anticipation.

• 1:34Speaker 02

  Yeah.

• 1:35George Kamel?

  You know, because you've been on our solo shows, Rachel Cruz Show, George Kamel, YouTube, you know?

• 1:40Speaker 02

  That's right.

• 1:41George Kamel?

  But never on our show.

• 1:42Speaker 02

  Rachel's invited me on her show more times than you have on yours, George.

• 1:44Rachel Cruze?

  I was gonna say, she's been on my show a lot, and we've had a lot of fun.

• 1:47Speaker 02

  What's up with that?

• 1:48George Kamel?

  You guys have a lot of like, feminine energy going on. I already have enough of that on mine, without any guests.

• 1:52Speaker 02

  That's true, I'll give you that.

• 1:53George Kamel?

  Don't need any guests.

• 1:54Rachel Cruze?

  Don't want to add on.

• 1:55George Kamel?

  Yeah.

• 1:56Rachel Cruze?

  Yeah, so to that point, our audience probably knows who you are, Jade, but if they don't for some reason, give us like, a one minute of who's Jade Warshaw?

• 2:03Speaker 02

  Jade Warshaw is a, one of the money experts here at Ramsey. My background is in debt payoff. I paid off $460,000 with my husband. We did it in seven and a half years, and I'm a former entertainer, and that's my claim to fame.

• 2:18Rachel Cruze?

  I love it.

• 2:19George Kamel?

  Impressive. This is my favorite description of you. Dave Ramsey in a different font. How do you react to that?

• 2:25Speaker 02

  Um. Who said it? Who said that?

• 2:29George Kamel?

  I won't name names.

• 2:30Speaker 02

  I don't know about that one.

• 2:33George Kamel?

  I think they like, they like your intensity and you just call it like it is. Okay.

• 2:38Rachel Cruze?

  I think you're the most bold.

• 2:39George Kamel?

  You don't beat around the bush.

• 2:40Rachel Cruze?

  Do you feel like out of all of us?

• 2:42Speaker 02

  I feel like, I, I feel like I've gone, I'm like Homer Simpson. I feel like I went back in the bushes a little bit. Like I started very bold and I feel like I've gotten more empathetic. Is this true or is this just in my head?

• 2:53Rachel Cruze?

  Yeah, uh, maybe.

• 2:56Speaker 02

  Okay, so it's just in my head.

• 2:58Rachel Cruze?

  We're with you. I'm like, I know that it's gonna be told. Like, like we were just doing pictures right before. You're like, bad picture, do it again. I'm like, see Jade knows. It's not bad, Jade, it's not bad. You know what you want. It's decisive and bold and that's what we need.

• 3:11Speaker 02

  Okay, I'm with it.

• 3:12George Kamel?

  We need Jade.

• 3:14Speaker 02

  I need you all as well.

• 3:15Rachel Cruze?

  Oh, it's so good.

• 3:16George Kamel?

  The reason you're really here is because we thought you'd be the best guest to talk about financial pet peeves. Cause I've seen you get riled up. At what people do with money relationally. You've called people out on the show.

• 3:29Speaker 02

  Yeah.

• 3:29George Kamel?

  And so some of your rants are my favorite. And so we made a list of money habits that respectfully make our skin crawl. So we wanna see if you agree. Is that fair?

• 3:37Rachel Cruze?

  I think, and I think we're all rating them, even us.

• 3:40George Kamel?

  Yes, so we're gonna rate each one one to 10.

• 3:42Rachel Cruze?

  This is our board, yeah.

• 3:43George Kamel?

  On the board, if you're watching on YouTube or Spotify. So a one is like, that's a tolerable pet peeve. No big deal. A 10 is straight to jail.

• 3:52Rachel Cruze?

  Straight to jail? Straight to jail.

• 3:53Speaker 02

  No soup for you.

• 3:54George Kamel?

  Yeah, whoever writes down the highest number.

• 3:56Rachel Cruze?

  Straight to jail.

• 3:57George Kamel?

  Gets to start the rant and explain the frustration. So if Jade's a 10 and Rachel and I are at eight and seven, Jade kicks us off with her rant about why this bothers her so much.

• 4:04Rachel Cruze?

  Why, it's so annoying.

• 4:05George Kamel?

  You got that?

• 4:06Rachel Cruze?

  Okay, well, before we do financial pet peeves, what's just like a pet peeve in life? Do y'all have one?

• 4:10George Kamel?

  That have been bugging us lately?

• 4:11Rachel Cruze?

  You're just like, I can't do it. Yes, see, this is what I'm talking about.

• 4:16George Kamel?

  A literal list you wrote out?

• 4:18Rachel Cruze?

  This is what we're talking about.

• 4:19Speaker 02

  When they said, what's your pet peeve? I was like, I got this on lock. I hate when somebody texts me, call me, period. I'm like. What? And, but they've not called themselves.

• 4:31Rachel Cruze?

  Because you think, no, just call me now. And if I can answer, I'll answer.

• 4:35Speaker 02

  You're telling me what to do. I don't like that.

• 4:37George Kamel?

  Yeah, just call me and if I miss it, then say, hey, call me back. It's important.

• 4:40Speaker 02

  Yes, exactly. Number two, when people hand me a drink and they're holding the very place that I need to drink from.

• 4:47Rachel Cruze?

  Ah.

• 4:48Speaker 02

  I don't know where they're.

• 4:49George Kamel?

  The perimeter of where your mouth goes.

• 4:51Speaker 02

  Yes.

• 4:51Rachel Cruze?

  Why we do that?

• 4:52Speaker 02

  I don't know. Whoever gave me this drink did not do that.

• 4:54Rachel Cruze?

  Hey, and can I say this?

• 4:55George Kamel?

  I would love this on the palm.

• 4:56Rachel Cruze?

  And I learned this with cold drinks, like a glass of white wine. You're never supposed to touch the actual cup of where the wine is because it heats it up. You're supposed to take the stem. Now that is some extra bougie.

• 5:07Speaker 02

  How about this? When people say simular instead of similar. No. I'm done.

• 5:13George Kamel?

  Is that a thing in your life that happens?

• 5:15Speaker 02

  I say a lot of things that are not correct. Do you say simular? I don't know, but I say nuclear.

• 5:20George Kamel?

  Nuclear.

• 5:21Speaker 02

  Nuclear. Oh, my gosh. Okay, that's like when people say nerve wrecking instead of nerve wracking.

• 5:26Rachel Cruze?

  Oh, that's funny, nerve wracking.

• 5:28George Kamel?

  Espresso, that's a big one for me.

• 5:31Rachel Cruze?

  Tesla.

• 5:32Speaker 02

  Tesla with a Z.

• 5:33Rachel Cruze?

  Tesla.

• 5:34Speaker 02

  Oh, gosh.

• 5:35Rachel Cruze?

  Okay, pronunciations.

• 5:36Speaker 02

  When people don't close the, like, they go to the restroom, they don't close the lid and they just flush it. Just willy nilly with the lid up. Particles going everywhere.

• 5:46Rachel Cruze?

  Oh, it's spreading germs.

• 5:47Speaker 02

  Yes, germs everywhere.

• 5:48Rachel Cruze?

  We don't want that.

• 5:49George Kamel?

  What about on airplanes? That always.

• 5:51Speaker 02

  When people take their shoes off?

• 5:52Rachel Cruze?

  I feel like I'm gonna get sucked down. I think I'm gonna get sucked down.

• 5:55George Kamel?

  It just feels like there's a lot going on in tiny space.

• 5:57Rachel Cruze?

  It really scares me. That kind of, I'm not kidding. I do kind of get to the lock and I'm like, get out, get out.

• 6:03Speaker 02

  But sometimes you feel the air like hit you.

• 6:05George Kamel?

  I closed the lid with my foot and then flushed with like my elbow. So I don't get sucked into the.

• 6:11Speaker 02

  You've done it right.

• 6:12Rachel Cruze?

  That's fair.

• 6:13George Kamel?

  Scurvy vortex down there.

• 6:16George Kamel?

  That's good.

• 6:17Rachel Cruze?

  Those are good.

• 6:17Speaker 02

  Listen, she going back to where she came from.

• 6:19George Kamel?

  That's good. Any for you, Rachel, that come to mind?

• 6:21Rachel Cruze?

  Um, I have two. And I think because I just had recent interactions with these two things. And I thought that is so annoying to me. Number one, I'm going to just say it. Parents that refuse to use the word no. So they, they have to parent around it. It's like, that's probably not a good idea. Let's go do something. And I'm like, just tell them no. Just tell them like, don't do that.

• 6:42George Kamel?

  They're holding a knife.

• 6:43Rachel Cruze?

  Like, no, no. Like, just say no. And it's like this, like, I can't do it. I just can't. I don't know. I feel like a boomer. I feel like a boomer.

• 6:50George Kamel?

  Is that a gentle parenting thing?

• 6:52Rachel Cruze?

  I don't, maybe, but I'm just like, I just can't, I can't. And again, I'm all about like, oh my gosh, did that hurt? I want to, I want to be emotionally present with my children, but also that. And then the other one, y'all, I'm going to get riled up. And I'm so sorry, because I'm sure some of you watching and listening are these people. So please keep listening and subscribing. Please don't leave the show. It is road bikers. On a two-lane road during rush hour. Death wish. Why? Why do you hate your family? Why do you want to do this? Why do you, why do you want to act like a car when you're not a car? And there's not a shoulder and you're choosing at 5 o'clock. Oh, no. To go and do that. Why? It's selfish. Why?

• 7:36Rachel Cruze?

  Let us get home in our cars that can go 40 miles an hour. But you want to die. Why do you want to die? It makes me so mad. I, I'm sorry. Interesting. And someone, I don't know who I was getting pointed to. No, not at rush hour.

• 7:52Rachel Cruze?

  Not at rush hour. And not on a two-lane. And again, some cool parts of Nashville have like its own bike lane. Great. Great. Why would, it's so stu-, I can't. I think I sometimes drive in the bike lane so much. It makes me so mad. I'm sorry.

• 8:06George Kamel?

  I've never connected with Rachel this much. But what bothers me is they're dressed like they're about to go to Tour de France. Like, they really think, this is my year. I'm like, bro, you'd be fine in some gym shorts.

• 8:17Rachel Cruze?

  Yeah, like, everything's fine. Everything's fine. Like, the shoes I get because you clip in, but other than that, like, they're fine.

• 8:24George Kamel?

  I know you're not sponsored by 7-Eleven. Like, you cut it with the, like, sponsored gear look.

• 8:29Rachel Cruze?

  I know. The shorts are padded in all the way.

• 8:31George Kamel?

  Mine is similar, but involves children. The like electric scooter situations that the kids are all riding these days?

• 8:38Rachel Cruze?

  Oh, yeah.

• 8:38Speaker 02

  Okay.

• 8:39Rachel Cruze?

  Yeah.

• 8:39George Kamel?

  What is happening? First of all, kids are dying out there. Just no one.

• 8:44Rachel Cruze?

  It actually is very dangerous, the electric bikes.

• 8:46George Kamel?

  Either way, it's dangerous.

• 8:47Rachel Cruze?

  It is true.

• 8:48Speaker 02

  Are you talking about the ones that look like dirt bikes, but they're like?

• 8:50George Kamel?

  No, not like the little.

• 8:51Rachel Cruze?

  No, but the actual scooter.

• 8:52George Kamel?

  Those are terrible, too.

• 8:53Speaker 02

  Yeah, they are.

• 8:53Rachel Cruze?

  And those scooters can go like thirty, they can go faster than the road bikers. At least they're like keeping up with traffic.

• 8:59George Kamel?

  They just are normal scooters, but they're motorized. And kids tool around the neighborhoods with them going thirty miles an hour, weaving in and out of cars and streets. No stop signs, on the sidewalk, hitting pedestrians. Just living their best life, I guess.

• 9:12Speaker 02

  It's because the parents that Rachel doesn't like don't tell them no.

• 9:16George Kamel?

  My kid will never own that, mark my words.

• 9:18Rachel Cruze?

  They are dangerous, and I think that's like the new thing. A lot of doctors are saying like, don't do the electric.

• 9:22George Kamel?

  Yeah.

• 9:22Speaker 02

  It's basically a motorcycle, what's the difference?

• 9:25Rachel Cruze?

  I know, we had to pedal uphill.

• 9:26George Kamel?

  Those ways.

• 9:27Rachel Cruze?

  Now they just.

• 9:30George Kamel?

  Now the skateboards are motorized, the bikes are motorized.

• 9:32Rachel Cruze?

  Yes.

• 9:33George Kamel?

  No one's doing any work.

• 9:34Rachel Cruze?

  No, not at all.

• 9:35Speaker 02

  I had to teach my son how to stand up and pedal uphill. He wanted to get off his bike and walk it, and I was like, we don't do that in this house. Like, we, we stand up and pedal.

• 9:44Rachel Cruze?

  We pedal, we stay on the bike.

• 9:45Speaker 02

  We stay on the bike.

• 9:46Rachel Cruze?

  Parents, get on that bike. Get on that bike.

• 9:48George Kamel?

  Respect.

• 9:48Rachel Cruze?

  Okay, well, I'm glad we got that out of our systems.

• 9:51George Kamel?

  I think Rachel really needed this.

• 9:52Rachel Cruze?

  Apparently I did, I kind of felt that, I was like, what is happening to me?

• 9:56George Kamel?

  You know what else grinds my gears, if I may?

• 9:58Rachel Cruze?

  Yeah, go ahead.

• 9:59George Kamel?

  When you're trying to make financial progress and the banks get in the way, dinging you with junk fees, making it difficult. And that's why I love Fairwin's Credit Union.

• 10:08Rachel Cruze?

  Me too, George. I mean, having someone on your side, that's not only just cheering you on, but they're creating an atmosphere at which you can bank. You can put your money, whether it's high-yield savings, checking, whatever it may be. Fairwin's is the best, they are, they're the best at it. And they actually created the Smart Bundle for Ramsey listeners. So this is a checking account and a savings account, that there's no minimal, no fees, all of it. And with it, when you sign up, you get your very own Fairwin's Debt Is Normal Be Weird Ramsey debit card.

• 10:41George Kamel?

  Love it.

• 10:42Rachel Cruze?

  Isn't that beautiful?

• 10:42George Kamel?

  And we both have ones, and you can be like Rachel if you get this card.

• 10:45Rachel Cruze?

  Yes, it's absolutely incredible, no.

• 10:47George Kamel?

  Channel your interracial kids when you spend.

• 10:48Rachel Cruze?

  And it's the one that I use all the time, like when I gotta, you know, take the debit card out to swipe, I'm like, oh, here. And it's got the chips, you tap, it's the whole thing.

• 10:55George Kamel?

  Tap to pay?

• 10:56Rachel Cruze?

  The whole bit.

• 10:57George Kamel?

  It's great.

• 10:57Rachel Cruze?

  Yes, but their service is great, the banking is great, so make sure to check it out.

• 11:01George Kamel?

  Yeah, most banks, they want to keep you broke and sell you debt. Fair winds wants you to win financially, and that's what I love about them. So go check it out at fair winds.org slash Ramsey to sign up for that smart bundle today. We'll also drop a link in the description.

• 11:13Rachel Cruze?

  All right, so let's dive into our financial pet peeves. Um, and again, one, not so bad, 10, straight to jail. Okay, you ready?

• 11:20George Kamel?

  So we're gonna write the number on the board.

• 11:22Rachel Cruze?

  First one, sending Venmo payments to a spouse. Oh, my God.

• 11:27George Kamel?

  Okay, so one is tolerable, 10 is straight to jail. How do we feel about sending Venmo payments to a spouse?

• 11:33Rachel Cruze?

  I got mine.

• 11:33George Kamel?

  All right, I got it.

• 11:37Rachel Cruze?

  All right, one, two, three. I put an eight.

• 11:41George Kamel?

  I'm a seven on this one.

• 11:42Rachel Cruze?

  Oh, okay, I'm an eight.

• 11:44Speaker 02

  You don't feel like this is like the highest of offenses?

• 11:48George Kamel?

  Share your thoughts, you're the winner, so.

• 11:49Speaker 02

  I mean, I'm just, I've, and I've said this before, I'm just imagining the scenario.

• 11:54Rachel Cruze?

  Mm hmm.

• 11:55Speaker 02

  Where, you know, it's a Friday night, we've just gone on what I thought was a date. And, you know, we're laying in the bed and I'm thinking something might happen. And instead, he leans over and asks me for, you know, the money for...

• 12:10Rachel Cruze?

  The Venmo comes up.

• 12:11Speaker 02

  Yes, the request for to pay for my half of the, the date that you took me on. Like, that's, yeah, straight to jail.

• 12:19Rachel Cruze?

  You know what?

• 12:20Speaker 02

  Are you kidding me?

• 12:21George Kamel?

  No, here's why I rated a seven, because it doesn't affect my life. If you want a crappy relationship, that's fine. It's entertainment for me to see that in my Venmo feed.

• 12:31Speaker 02

  Oh, my gosh.

• 12:31George Kamel?

  So that's why I didn't give it a 10.

• 12:33Rachel Cruze?

  George keeps a little ass, because he wants people to kind of secretly do it so you can be entertained.

• 12:38George Kamel?

  Exactly.

• 12:38Speaker 02

  It's just absurd.

• 12:39George Kamel?

  I don't, I don't use social media anymore. I just use the Venmo transaction feed for my own personal entertainment, yeah.

• 12:45Speaker 02

  See, I didn't know, but apparently people, like, you can mess, like, you can show it to everybody? Everybody can see who you Venmoed?

• 12:50Rachel Cruze?

  Yes, it's a public.

• 12:51Speaker 02

  I don't have it, I don't even have it, that's how much I don't care about it. I don't have Venmo on my phone at all.

• 12:57Rachel Cruze?

  Do you pay, how do you pay babysitters?

• 12:58Speaker 02

  Um, Zelle.

• 13:00Rachel Cruze?

  Oh, you're a Zelle girl.

• 13:01Speaker 02

  So there's no, I mean, I don't think there's any texting on that.

• 13:04George Kamel?

  No, it's not a social platform like Venmo has become.

• 13:06Speaker 02

  Why is it a social platform to see, like, I gave Bob 10 bucks for Arby's?

• 13:10George Kamel?

  It's just fun.

• 13:13Rachel Cruze?

  George, scroll it.

• 13:15George Kamel?

  Yeah, I did it this weekend with my buds. We went to Swig, the soda shop.

• 13:18Speaker 02

  Yeah.

• 13:19George Kamel?

  We all got some late night treats and I paid for it and they all Venmo'd me.

• 13:22Speaker 02

  So it's just a way to like, it's clout to be like, look what I?

• 13:26George Kamel?

  Yeah, mine wasn't public. I'm not that wild.

• 13:29Rachel Cruze?

  No, but you do look at people's.

• 13:31George Kamel?

  Oh, 100%.

• 13:32Rachel Cruze?

  Yeah.

• 13:33George Kamel?

  I don't know, people just don't know that there's a set to public?

• 13:36Speaker 02

  Yeah.

• 13:36George Kamel?

  Because sometimes I'm like, this for sure was not meant to be public.

• 13:39Speaker 02

  Yeah, I feel like. I feel like some scandals could break on there.

• 13:42George Kamel?

  It was like child support and the message said like, it didn't have to be this way, Amber. Yikes, he might be doing this out of vengeance, you know, out of spite to make this public.

• 13:52Rachel Cruze?

  He's like, it didn't have to be this old.

• 13:54George Kamel?

  Oh, so yeah, again, that's why it's my entertainment.

• 13:57Rachel Cruze?

  Okay.

• 13:57George Kamel?

  All right, thanks for sharing.

• 13:58Rachel Cruze?

  What's the next one, George?

• 13:59George Kamel?

  The next financial pet peeve, carrying thousands of dollars in debt and still buying an $8 latte every day.

• 14:07George Kamel?

  All right, what's my rating on this one? This one feels personal to some people in the room.

• 14:11Rachel Cruze?

  This one feels personal.

• 14:12George Kamel?

  Hearing some giggles over there.

• 14:17George Kamel?

  All right.

• 14:19Rachel Cruze?

  Uh, Jade, you go first?

• 14:21Speaker 02

  I said five.

• 14:22Rachel Cruze?

  I said three.

• 14:23Speaker 02

  There's like worse things you could do.

• 14:24George Kamel?

  I said nine.

• 14:28Speaker 02

  Okay.

• 14:29George Kamel?

  Here's my thing. I don't want to hear you complain about anything if you're out here buying $8 lattes and not dealing with the problem at hand.

• 14:38Speaker 02

  Okay.

• 14:39George Kamel?

  It's like your house is on fire and you're like, well, I need to buy some things off Amazon real quick. Scroll, scroll, scroll, add to cart, add to. I'm like, guys, we have a fire in the house. Get out of the house.

• 14:48Rachel Cruze?

  Address the fire. Address the fire.

• 14:50George Kamel?

  I want some urgency. And so if you don't complain, that's fine. But if you want to complain about inflation, the economy and all that.

• 14:56Speaker 02

  Well, are they complaining or are they just getting a coffee?

• 14:59George Kamel?

  Well, it's, here's the thing, there's a subtle, it's the people like, I'll never own a home, woe is me.

• 15:05Speaker 02

  Oh, got you, got you. Okay.

• 15:07George Kamel?

  And yet they have expensive daily habits in their life that are clearly causing.

• 15:10Rachel Cruze?

  See, okay, but my question is that that's the only habit though, and it's eight bucks. It doesn't feel like a big swing.

• 15:16George Kamel?

  It's never the only habit.

• 15:18Rachel Cruze?

  You know what I'm saying? Like. If you're doing a bunch of big stuff, that makes a dent. But does the eight dollar latte like really give the dent?

• 15:25George Kamel?

  On its own, no, but I think it signifies bigger problems.

• 15:28Rachel Cruze?

  Well, you're reading into it. That's not what the question was.

• 15:30George Kamel?

  I haven't been wrong thus far.

• 15:31Speaker 02

  They were complaining and.

• 15:33Rachel Cruze?

  Yeah.

• 15:33George Kamel?

  Well, an eight dollar lattes, like what are in these? What's going on with these eight dollar lattes?

• 15:38Rachel Cruze?

  I like a Keurig myself.

• 15:39Speaker 02

  I always think that coffee at home is better.

• 15:42George Kamel?

  Between hating yourself and buying an eight dollar latte. I just, somewhere in between would be nice.

• 15:47Rachel Cruze?

  All right, next. But, oh, this, Jade, this is for you.

• 15:50Speaker 02

  Oh, boy.

• 15:51Rachel Cruze?

  Buying Christmas gifts for grown adults.

• 15:53Speaker 02

  Listen.

• 15:56Speaker 02

  Whilst in debt.

• 15:58Rachel Cruze?

  I don't know. It doesn't say that. It's just saying, it's just saying buying adults' Christmas gifts. So I'm saying Jade hates gift giving.

• 16:06Speaker 02

  No, okay.

• 16:07George Kamel?

  Scrooge McWorshaw over here.

• 16:11George Kamel?

  Oh, she's.

• 16:12Rachel Cruze?

  Oh, she's writing words, not a number. Hold on. Hold on. She's got, she can do it. She's a guest. Be kind to her.

• 16:19Speaker 02

  I made my own rules. Okay. Am I going first?

• 16:21Rachel Cruze?

  You go first.

• 16:22Speaker 02

  I, okay. If there's no debt, it's a one. Cause I'm like, if you have no debt, sure, buy adults' gifts.

• 16:29Rachel Cruze?

  Fair.

• 16:30Speaker 02

  But if you're in debt, she a 10. Like, that moves up to 10 in two seconds. 10 plus.

• 16:36Rachel Cruze?

  Yeah.

• 16:36Speaker 02

  10 plus.

• 16:37Rachel Cruze?

  I'm going five, in general.

• 16:39Speaker 02

  In general.

• 16:40Rachel Cruze?

  Just a general five.

• 16:41Speaker 02

  Oh, okay. Interesting.

• 16:42George Kamel?

  I said 3.5.

• 16:44Speaker 02

  3.5?

• 16:45George Kamel?

  Yeah. It wasn't quite, here's, here's my thing. And here's where I've, we've been getting questions about this of like, should I be spending money? Or like, should I accept gifts from people who I know are in debt? And I'm like, I say, don't block a blessing. If that's how they want to spend their money, so be it. You know, you can try to not accept it, but at some point, this is their life, they're living it. And until they're at a point of pain where they want change, they want to ask for your help, or they want to stop it, they gotta just do what they're gonna do.

• 17:10Speaker 02

  Facts.

• 17:11George Kamel?

  So that's where I'm like, it, again, doesn't really affect me. It affects them. The pet peeves that really bother me are the ones that intertwine my life.

• 17:19Speaker 02

  Interesting.

• 17:19George Kamel?

  On my day to day.

• 17:20Rachel Cruze?

  Yeah. Mine are the gifts that, as an adult, you should just buy yourself. Like, I almost think there should be a rule of like, a creative, sentimental, like, something that's coming from an adult to adult, like.

• 17:32George Kamel?

  What about if it's over a certain amount? Do you feel like, that's not a Christmas gift? Like, just save up and buy it?

• 17:36Rachel Cruze?

  Yes. I think it's that kind of stuff. So like, so it doesn't bother, so that's why I said a five. Cause like, you draw names, like, we draw names, like the siblings on Winston's side and mine's, like. And that's fun. It's kind of fun. Just, you know.

• 17:47George Kamel?

  And you do one gift for that person?

• 17:49Rachel Cruze?

  Yeah, but it's like, don't do a gift card. Don't, you know what I'm saying?

• 17:52Speaker 02

  Make a real gift.

• 17:52Rachel Cruze?

  Yeah, that's like,

• 17:54George Kamel?

  Do some research, be thoughtful.

• 17:55Rachel Cruze?

  But it's a thoughtful, like, that's the meaning as an adult to an adult. Like, a kid needs things. But an adult to an adult, like, I don't need to, like, you, you said it when we were on the air, like a blender. Like Aunt Rita doesn't need a blender. If she needs a blender, go buy a blender. But like, I'm not.

• 18:08Speaker 02

  I'm gonna catch shade for this, I already know. But you're in debt, you're like trying to buy gifts for everybody on your list. You're getting people slippers, you're getting them a really bad smell from Bath and Body Works.

• 18:20Rachel Cruze?

  Yeah.

• 18:21Speaker 02

  You're getting them, and it's like, a candle, all these things that they are like, yay.

• 18:25George Kamel?

  Like TJ Maxx, check it out.

• 18:26Rachel Cruze?

  Yeah, there's no, like, there's no, they're not, it's almost just to check the box of I gave a gift.

• 18:31Speaker 02

  Versus, and you're doing it to your own detriment versus.

• 18:35Rachel Cruze?

  Yes, especially when you have debt. I'm with you.

• 18:37Speaker 02

  It's the holidays, give them a hug, love them.

• 18:39Rachel Cruze?

  Give them a hug, spend time.

• 18:40Speaker 02

  Yeah, spend some time.

• 18:41Rachel Cruze?

  Yep.

• 18:42Speaker 02

  The best presents is your presence.

• 18:45George Kamel?

  Oh, that's good.

• 18:46Rachel Cruze?

  There you go. Put that on a bumper sticker.

• 18:48George Kamel?

  I've moved to perishables. I think getting people perishables is the best move, because they have to consume it.

• 18:52Rachel Cruze?

  Like, like cookies.

• 18:53George Kamel?

  They're not gonna return it, they have to consume it. A box of pears.

• 18:57Rachel Cruze?

  Oh.

• 18:58George Kamel?

  A night, like David, you know, what it was, what's the, Harry and David?

• 19:01Rachel Cruze?

  Harry and David, yes.

• 19:02George Kamel?

  A nice Harry and David box of pears.

• 19:03Rachel Cruze?

  Oh, you're fancy.

• 19:04George Kamel?

  From Costco.

• 19:06Rachel Cruze?

  Yeah.

• 19:06Speaker 02

  I don't know what that is. Are they specialty pears?

• 19:09George Kamel?

  Very special. Gold foil, whole nine yards.

• 19:12Speaker 02

  But is it only just a pear inside?

• 19:14George Kamel?

  Some other accoutrements, some chocolate-covered almonds, maybe, some nuts, you know?

• 19:19Rachel Cruze?

  See, those kind of wig me out a little bit. How long have they been sitting at Costco?

• 19:22George Kamel?

  It's nuts, they last forever.

• 19:24Rachel Cruze?

  I know, I get a little worried of me getting poisoned.

• 19:26Speaker 02

  Are you telling me?

• 19:27George Kamel?

  Am I nuts?

• 19:28Rachel Cruze?

  I don't know. I don't know.

• 19:29Speaker 02

  Are you literally telling me it's just a box with pears on it?

• 19:32George Kamel?

  I've been known to gift the Holiday Tower for family members. That's all I'm saying.

• 19:37Speaker 02

  They're for them saying there's no difference between those and the ones that are just at the grocery store?

• 19:40George Kamel?

  They're different.

• 19:41Speaker 02

  Okay.

• 19:42George Kamel?

  The gold foil really makes the presentation, it ups the presentation, if you will.

• 19:46Rachel Cruze?

  So bougie.

• 19:47George Kamel?

  And they're nice pears. I don't remember the name, but they're like bougie pears. Really good, best pears you've ever had.

• 19:53Speaker 02

  I will take your word for it.

• 19:56George Kamel?

  People don't buy pears anymore. Soon you get a pear, it's special.

• 19:59Speaker 02

  I have three pears at the house right now.

• 20:01George Kamel?

  That you purchased.

• 20:02Speaker 02

  I have one in my lunchbox today.

• 20:04George Kamel?

  I have never picked a pear in my life.

• 20:07Speaker 02

  Wow.

• 20:07George Kamel?

  I let Harry and David do the picking. Uh, my dad will do that because the kiwi, you gotta shave the little like fur off.

• 20:13Speaker 02

  Yeah.

• 20:14George Kamel?

  Freaks me out.

• 20:15Speaker 02

  Wow.

• 20:16George Kamel?

  I don't, I don't want to have to.

• 20:18Speaker 02

  I eat a kiwi almost every day.

• 20:19George Kamel?

  Violate a fruit.

• 20:20Rachel Cruze?

  She's so healthy.

• 20:22Speaker 02

  Fun fact.

• 20:22Rachel Cruze?

  Loves a green drink.

• 20:23Speaker 02

  Low vitamin C, like if you, if you have one kiwi, it'll bring it back up.

• 20:28George Kamel?

  And you're shaving that thing down every day.

• 20:30Speaker 02

  Yeah, I just use a paring knife and just slice around the sides.

• 20:32George Kamel?

  Yeah, it's not that hard, I guess.

• 20:34Rachel Cruze?

  This is for her pears, I bet, too.

• 20:35Speaker 02

  Yeah, for my pears. I like to eat the skin on the pears, though, so I don't shave.

• 20:38Rachel Cruze?

  Oh, okay, yeah.

• 20:39George Kamel?

  Fair. You ever try that on a kiwi, though?

• 20:41Speaker 02

  To eat the skin? No.

• 20:43George Kamel?

  Live a little.

• 20:45Speaker 02

  I'll, I'll save that for you, George.

• 20:47George Kamel?

  Moving on.

• 20:47Speaker 02

  Moving on.

• 20:48George Kamel?

  All right. Next up, we've got calling a tax refund a quote bonus when it's just your money being returned to you.

• 20:55Rachel Cruze?

  Oh, pet peeve, pet peeve.

• 20:58George Kamel?

  All right, got my answer locked in.

• 21:03George Kamel?

  And? Wow. All right, Rachel. Go ahead on, girl rant. I said two on this one.

• 21:12Speaker 02

  I said four.

• 21:12Rachel Cruze?

  Okay, y'all were low, y'all were low. Um, it just doesn't sound educated to me. I'm like, what are you doing? That's, no, that's, that's not a bonus. A bonus is because you worked hard in a certain area of the company and their revenues went up and they were sharing with, like, that is, that is what a bonus is. That's your money.

• 21:32George Kamel?

  They thought the government was blessing them with a reward for their hard work.

• 21:35Rachel Cruze?

  You gave too much, like, it just sounds like so sad.

• 21:40George Kamel?

  Yeah.

• 21:40Speaker 02

  Some people think so, it's like they're savings.

• 21:43Rachel Cruze?

  That's not it, that's not it, that's not what that is. You can't, you can't. So it's just, it's a renaming of something that just, uh, emotionally immature.

• 21:51George Kamel?

  Oh, that's good.

• 21:52Rachel Cruze?

  Maybe I'll go there.

• 21:53Speaker 02

  I like that, emotional immature.

• 21:55Rachel Cruze?

  That is not true. It's not true. That's not what it is. So we can like, it's like net income versus gross, like, those are two different things.

• 22:03George Kamel?

  There's a factual reason for that.

• 22:05Rachel Cruze?

  Two different things.

• 22:05Speaker 02

  You overpaid.

• 22:06George Kamel?

  I said two because I was like, it's a lack of financial literacy.

• 22:09Rachel Cruze?

  Yeah.

• 22:10George Kamel?

  And therefore I'm like, well, they just don't know any better. Similar to your point.

• 22:12Rachel Cruze?

  Maybe.

• 22:13George Kamel?

  But on the empathetic side.

• 22:14Rachel Cruze?

  As.

• 22:17Rachel Cruze?

  As adults here, though, we all need to learn.

• 22:19Speaker 02

  Yes.

• 22:19Rachel Cruze?

  And if you say it once, that's fine, but we need to learn and we need to change our vocabulary.

• 22:24George Kamel?

  We need to Google.

• 22:24Rachel Cruze?

  We need to change our vocabulary. All right. Next. Being forced to split dinner evenly when you intentionally ordered a salad and no alcohol.

• 22:35Speaker 02

  Ooh, I've been there.

• 22:39Rachel Cruze?

  Okay.

• 22:39George Kamel?

  All right.

• 22:40Rachel Cruze?

  No, yeah, yeah, shoot.

• 22:43George Kamel?

  You guys are really trying to get my blood pressure up today. I can feel the cord is all spiking.

• 22:50George Kamel?

  See, Rachel's guilty of this, so she's kind of feeling...

• 22:52Rachel Cruze?

  No, I'm not, sometimes, but not a lot. I only do it if I know it's an evenly thing and everyone's like, hey, and I'm like, okay, yeah, it's great.

• 22:59George Kamel?

  Never in history has it been a perfectly even thing.

• 23:02Speaker 02

  Don't you pay attention to, though, to what other people ordered? Because I feel like if I pay attention to what my group is ordering and the guy's like, do you want to put it all on the same ticket? I'll be like, no, if I notice my friend didn't get much. But if it seems like we did a lot, I'll be like, I'll just wait and see what they say. Because I don't care.

• 23:19Rachel Cruze?

  Or classic, we did this on Friday night, went out with some friends, they have two kids, we have three, and I, appetizer queen, ordered two appetizers through the table. So when the check came, we said, we said, um, yep, put there, well, I guess we separated and I, we took the appetizers. Because I ordered the appetizers, even though we all shared it.

• 23:37George Kamel?

  That's the way to do it.

• 23:38Rachel Cruze?

  But I ordered it, so that's unfair to them to pay for something that they didn't order, so.

• 23:42Speaker 02

  I think that's right.

• 23:43George Kamel?

  I think that's very fair. That's human decency.

• 23:44Rachel Cruze?

  Okay, but just the flat out, you tried to go really inexpensive and someone's like, split the bill. I'm going eight, that's annoying.

• 23:51Speaker 02

  I said six.

• 23:52George Kamel?

  Wow.

• 23:53Speaker 02

  Because I'm the one that's having to pay the bill, right?

• 23:57George Kamel?

  Well, you have to pay the even split.

• 23:59Rachel Cruze?

  If you're the salad and no alcohol.

• 24:01Speaker 02

  Oh, I'm the sal, yeah, it doesn't, these days it doesn't bother me.

• 24:04Rachel Cruze?

  Okay.

• 24:05George Kamel?

  Wow.

• 24:05Rachel Cruze?

  George?

• 24:05George Kamel?

  No, that's a violation of human rights.

• 24:09George Kamel?

  I'm a 10 plus on that. There's nothing more indecent you could do than to order a bunch of stuff that I couldn't eat because I'm the gluten free one.

• 24:17Speaker 02

  Yeah, yeah.

• 24:17Rachel Cruze?

  Now that's.

• 24:18George Kamel?

  And you're like, well, it's easier, guys. Let's just split it evenly.

• 24:21Speaker 02

  But don't you think that people kind of make the assumption that my friends are kind of in the same financial status I am? Do you feel like people just make that assumption?

• 24:30George Kamel?

  Maybe. I think they're honestly just trying to, they're trying to make it simpler while also trying to make it better for them.

• 24:38Rachel Cruze?

  No, do you think they're being manipulative about it? Or do you think there's like?

• 24:42George Kamel?

  I don't think it's manipulation as far as saving a buck. I just think they're a little bit selfish.

• 24:48Speaker 02

  But if you're truly amongst friends, let me tell you this. If I was with my friends and I got salad and they were like living it up, I'd be like, put me separate, please. I would just say it. And then they would.

• 24:59George Kamel?

  Well, my friends would be like, well, I'll have another drink. And I'm like, whoa, whoa, whoa. Like that's now we're messing with the, you know what I mean? It's not, it's not equal. You got three drinks, plus the apps, plus the fancy on tray. Now we're splitting it. That's, that's a straight to jail for me.

• 25:11Rachel Cruze?

  Straight to jail.

• 25:13George Kamel?

  That's why I'll call it, hey, I'm on my own.

• 25:15Rachel Cruze?

  What do you say? Yeah. What do you normally do if you're out? Because you're so fun.

• 25:18Speaker 02

  Obviously. So people want to have you out to dinner.

• 25:21George Kamel?

  Let me just say this. It's been a while since I've been invited.

• 25:27Rachel Cruze?

  But seriously, there's six guys. What, what's your, what's the, what's the dialogue?

• 25:31George Kamel?

  I try to pipe in first if the waiter asks, are we doing separate or all together today? Okay, separate would be great.

• 25:38Rachel Cruze?

  Okay, yeah.

• 25:38George Kamel?

  And if they go, well, it'll be easier. I'll say, well, I'll be on my own and you guys can have your own bill.

• 25:42Speaker 02

  Do you do that no matter what?

• 25:43George Kamel?

  In general, if it's a big group. Now, if it's, sometimes it's impossible.

• 25:47Rachel Cruze?

  Would you ever split a bill?

• 25:49George Kamel?

  Yeah. I'm not above it. But if I left my own devices, I will fight to not.

• 25:53Rachel Cruze?

  So if, if we did a double date and we all four ordered a cocktail.

• 25:59George Kamel?

  Okay.

• 25:59Rachel Cruze?

  All four ordered a glass of wine. I don't know prices. I don't know. George, I don't know.

• 26:03George Kamel?

  We got a bottle of wine. We all split it.

• 26:05Rachel Cruze?

  Well, we have a split. Yeah, we, yeah, we split the amount.

• 26:08George Kamel?

  Get the bottle. It's cheaper.

• 26:09Rachel Cruze?

  God forbid, I may order an app, I may order an appetizer.

• 26:12Speaker 02

  Or two.

• 26:14Rachel Cruze?

  And ask, is it gluten free? No meat for Winston? Like, is everyone good? Okay, this will be fun. This looks good. We all order, I don't know what we're ordering. Winston may get us out. I don't know. I don't know.

• 26:24George Kamel?

  We just don't know yet.

• 26:25Rachel Cruze?

  We don't know.

• 26:26George Kamel?

  One was 14, one was 13.

• 26:27Rachel Cruze?

  But we are all here and the bill comes. In that situation, would you still say me and her? You and Whitney?

• 26:33George Kamel?

  No, at that point, I would say let's just split it.

• 26:35Rachel Cruze?

  If it feels somewhat even.

• 26:36George Kamel?

  Yeah, put the two cards down and they'll split it. Yeah, especially with the cruises.

• 26:42Rachel Cruze?

  That's true.

• 26:43George Kamel?

  But I can count on zero fingers how many times I've been invited to have a double date. Didn't take long.

• 26:50Rachel Cruze?

  You'll have a newborn baby, George.

• 26:52George Kamel?

  You're right. Put it on us. It's our fault. No, it's our fault for procreating, bringing life into the world out of nothing.

• 27:00Rachel Cruze?

  Out of nothing. Um, bragging about sports betting, day trading and crypto, et cetera. Okay. And bragging is the word. I guess it'd have to be bragging.

• 27:10George Kamel?

  Yeah. Just follow your heart, Jay.

• 27:12Speaker 02

  I don't really know anybody who does such things.

• 27:14George Kamel?

  Yeah, that's more on social media for me is where I see it. My friends know better than to do that around me.

• 27:19Speaker 02

  Yeah.

• 27:20George Kamel?

  All right. I'm a nine on this.

• 27:22Rachel Cruze?

  I'm a three.

• 27:24Speaker 02

  I'm a three.

• 27:26George Kamel?

  This one, I feel like intersects my life because it's in my feed.

• 27:29Rachel Cruze?

  Yeah.

• 27:30George Kamel?

  You know what I mean? They're not doing it on their own. It ends up in my algorithm.

• 27:34Rachel Cruze?

  We don't know how algorithms.

• 27:35George Kamel?

  The Lord works in mysterious ways.

• 27:37Rachel Cruze?

  You know that. We don't know what's going on. I was telling her it was in my feed last night. I'm like, why am I watching these videos?

• 27:42George Kamel?

  It's on a lot on X, for example, and I think the Lord tests me with these posts.

• 27:47Rachel Cruze?

  Okay.

• 27:48George Kamel?

  But there's just a lot of bragging about the wins and never about the losses and distress.

• 27:53Rachel Cruze?

  Sure.

• 27:53George Kamel?

  Until they lose it all. I follow one account called Coinfessions.

• 27:56Rachel Cruze?

  Yeah.

• 27:57George Kamel?

  Which is people anonymously submitting their cryptocurrency debacles of how they've lost their lunch. And so that actually brings me, not that I want to see, like enjoy people's harm, the Freud and shot. I think it's called Freud and shot. Freud and shot, which is like deriving joy from other people's pain. It is.

• 28:13Rachel Cruze?

  Okay.

• 28:14Speaker 02

  Oh, okay.

• 28:15Rachel Cruze?

  Oh, Lord.

• 28:15George Kamel?

  So anyways, I don't derive joy from it, but I go, see, that's the part they're not talking about.

• 28:19Rachel Cruze?

  Yeah, that's fair.

• 28:20George Kamel?

  All the times I lost money.

• 28:22Rachel Cruze?

  Yep. And what about the whole NBA, y'all? What's about that whole thing?

• 28:26George Kamel?

  Oh, my goodness.

• 28:27Rachel Cruze?

  So that makes me think what's like getting rigged.

• 28:29George Kamel?

  What else is going on?

• 28:30Rachel Cruze?

  I know what's been rigged. I know, y'all.

• 28:32George Kamel?

  And that's why, the only reason I don't watch sports. To me, it's just WWE, but a different font.

• 28:38Rachel Cruze?

  No, it's not that bad. No, it's not. Not all of it.

• 28:42George Kamel?

  The Chiefs can't win that much. They did it so that Taylor would be attracted to Travis.

• 28:48Rachel Cruze?

  And then they'd get married and that's what world peace? What are you saying?

• 28:51Speaker 02

  Interesting.

• 28:52George Kamel?

  And now are the Chiefs gonna make it to the Super Bowl?

• 28:54Speaker 02

  We don't know.

• 28:55Rachel Cruze?

  We don't know, George.

• 28:56George Kamel?

  Exactly. But somebody does.

• 28:59Speaker 02

  Interesting.

• 29:00George Kamel?

  Somebody's making money off of it.

• 29:01Rachel Cruze?

  You know what? There is a conspiracy theory. You know I'm bringing it up. There is a conspiracy around natural disasters and the Super Bowl ends up being in that city within like a two-year period or something. It's weird.

• 29:13Speaker 02

  To do what?

• 29:13Rachel Cruze?

  Well, the conspiracy is to get the economy back booming after like a hurricane in New Orleans. The Saints went, like, it was all this, like, there was something about this whole conspiracy. Yep. Very interesting. But you can look it up.

• 29:25Speaker 02

  I could see that being very true.

• 29:27George Kamel?

  All right, I'll do the next one. Financial pet peeve using Klarna and other buy now, pay later services to pay for a $50 grocery haul.

• 29:35Speaker 02

  Oh, that just sounds sad.

• 29:37George Kamel?

  Yeah, that definitely is in the sad category.

• 29:41Speaker 02

  George, that felt very judgmental.

• 29:46George Kamel?

  No, I mean, it's hard to even rate that one.

• 29:49Rachel Cruze?

  Grocery feels like it's food.

• 29:51Speaker 02

  Yeah, it feels like it's like on necessity.

• 29:54Rachel Cruze?

  Should we change it for fun and do clothes? Jeans? Should we do like Abercrombie jeans? Klarna for Abercrombie jeans?

• 29:59George Kamel?

  Also, a $50 haul feels generous, you know?

• 30:02Speaker 02

  Well, that feels like you're just getting what you need to survive. And that's why I gave it a one.

• 30:07George Kamel?

  Wow.

• 30:08Rachel Cruze?

  So, so look how much she is.

• 30:10George Kamel?

  I gave it a two. Rachel now is gonna group think and make it.

• 30:13Speaker 02

  It felt like survival mode.

• 30:15George Kamel?

  Yeah, I would say in general, like, depending on what you're using buy now, pay later for, the number varies.

• 30:20Speaker 02

  Yeah, if you're buying jeans.

• 30:22Rachel Cruze?

  I was gonna go six in general. Six in general.

• 30:27Rachel Cruze?

  Because I think it's a, I think it's such a slippery slope to me. And you feel like you're getting a good deal and you're not. Like, it's not good, so.

• 30:35George Kamel?

  Well, and it's just a really poor financial habit. Even if you can make the payments, it's somehow worse than credit cards because you go, well, I don't even want to spend 100 right now. I'll spend 25 right now. So psychologically, you're tricking yourself into stupidity. And for that reason, it just, it adds, there's a layer of sadness to it all.

• 30:52Speaker 02

  Someone called into the Ramsey show and they had split their payment through their bank into four and were paying it off.

• 30:59Rachel Cruze?

  Oh, like through the bank?

• 31:00Speaker 02

  Yeah, you can split anything into four payments. And I was like, that's crazy. So you could pay your, you could essentially... Split your mortgage payment into four.

• 31:09George Kamel?

  Oh, yikes.

• 31:10Rachel Cruze?

  And do it like once a week that it's like getting it like interesting.

• 31:13Speaker 02

  I was like, oh, my gosh, this is a deep.

• 31:15George Kamel?

  Well, it is getting more frivolous now. It, you know, it's Costco has a firm partnership and DoorDash has a Klarna partnership. And so every company is like, we can make more money.

• 31:23Rachel Cruze?

  Yeah. I think that's as hard as justifying. It justifies the amount you spend and you don't really see a true cost of what you're spending.

• 31:29George Kamel?

  It's just an add it to my tab and I'll make the payments over time.

• 31:32Rachel Cruze?

  Yeah, and emotionally the payment's so small at that point that it's like, oh, it's fine.

• 31:36George Kamel?

  Yeah.

• 31:36Rachel Cruze?

  Um, yep, you don't really see what you're seeing. All right, George, buy now, pay later services is not the only online threat to your money. That's why we love Delete Me.

• 31:45George Kamel?

  Yep, you want to start the year in control, right? Not reacting to online threats and data breaches.

• 31:50Rachel Cruze?

  Yes, and we've just gone through the holidays, you know, and you sign up for all those promos and stuff. You're putting your information out there. And in general, it's crazy what the internet collects. And then what can happen is people collect your data. They give it to data brokers, sell it to them, and those data brokers then sell it to scammers and spammers. And you get these texts and these spam calls and get your number, your name, your address removed. Delete Me is for you.

• 32:14George Kamel?

  Yes, so while you're trying to take control of your money this year, take control of your privacy too. They make it easy. They send you a report showing you exactly where they removed your info, how much time they saved you. And it's one of the best emails I get.

• 32:26Rachel Cruze?

  It is.

• 32:26George Kamel?

  When I see that new report come in, I'm like, download PDF now.

• 32:29Rachel Cruze?

  Look at this, yes, and it's a team of real people doing this too, you guys. So they're scouring the internet for your information to remove it from these data broker websites. And that's what we need. So they're giving actually our listeners a great deal.

• 32:41George Kamel?

  Yeah, 20% off the annual plans. Just go to joindelete.me/smartmoney to get the deal. We'll also drop a link in the description below.

• 32:49Rachel Cruze?

  Okay, next, women joking about hiding Target bags from their husbands.

• 32:53Speaker 02

  Hmm, I don't like that. I was once that person, by the way.

• 32:58Rachel Cruze?

  That's okay, Jade.

• 32:59George Kamel?

  Thank you for your honesty.

• 33:00Rachel Cruze?

  We appreciate it.

• 33:01George Kamel?

  It's so authentic, so brave.

• 33:03Rachel Cruze?

  So real, so vulnerable.

• 33:05Speaker 02

  Okay.

• 33:06Rachel Cruze?

  Okay, I'm going eight.

• 33:10Speaker 02

  I'm going five.

• 33:11George Kamel?

  I did a seven.

• 33:12Speaker 02

  Uh oh.

• 33:12Rachel Cruze?

  Alright, I'm the highest.

• 33:13George Kamel?

  You're the winner.

• 33:14Rachel Cruze?

  I think it annoys me more because of the husband.

• 33:17George Kamel?

  Oh, you're blaming the husband here.

• 33:19Rachel Cruze?

  Well, I'm just like, what makes you have to, like, if I had to hide something from Winston, it either means that, like, he's like a want-want person that doesn't want to spend.

• 33:31Speaker 02

  Uh huh.

• 33:31Rachel Cruze?

  Or I'm so, like, I can't, I just can't, I can't even, like, engage with, like, oh my god, you know what I'm saying? And you're just like...

• 33:40George Kamel?

  Like an immaturity to it?

• 33:41Rachel Cruze?

  It just shows your marriage to me, where I'm like, ooh, either you married, like, not a, not a fun guy.

• 33:47George Kamel?

  Well, can I tell you, I'm guilty of this, it's not Target, but it's Whitney will hide, like, like, fast food bags.

• 33:53Rachel Cruze?

  Stop it.

• 33:53George Kamel?

  But I see the transaction.

• 33:54Rachel Cruze?

  I have my Taco Bell proudly showing that I went through the...

• 33:59Speaker 02

  That's funny.

• 34:00George Kamel?

  Like, I see it in the trash, and I'm like, you know, I saw the transa... Well, she, she knows I'm gonna, what did you, why did you go to?

• 34:06Rachel Cruze?

  See, that's, that's the husband I'm talking about.

• 34:08George Kamel?

  But it was more for, it was more for the longevity of her life and health than it is for the money.

• 34:14Speaker 02

  That's very funny.

• 34:16George Kamel?

  There's bigger transactions coming through, but it's the McDonald's that gives me pause to go, what did she buy?

• 34:20Rachel Cruze?

  Meal out of what? All week, probably?

• 34:22George Kamel?

  Oh, yeah. No, she deserves it and more.

• 34:25Rachel Cruze?

  Yeah.

• 34:26George Kamel?

  And secretly, I'm a little jealous.

• 34:27Speaker 02

  What's the, what's the main one that?

• 34:30George Kamel?

  Oh, man.

• 34:31Speaker 02

  You make her feel bad about, George?

• 34:32George Kamel?

  Bad? I would never make her feel bad. She's not here to defend herself, but I'm much more empathetic in this phase of our life to, I'm like, I saw one come through today for Whitney's Cookies, which is a great cookie place.

• 34:42Rachel Cruze?

  Oh, those are delicious.

• 34:43George Kamel?

  And my first thought was, good for her.

• 34:45Rachel Cruze?

  Oh, I see, that's what we're talking about.

• 34:47George Kamel?

  So I'm like, good for her. So if I see it come through now, I'm like, she deserved that.

• 34:51Rachel Cruze?

  Yes.

• 34:51George Kamel?

  So she literally said, I'm eating my feelings today, and I went, 100% girl.

• 34:54Rachel Cruze?

  I get it. You're like, I get it. I know.

• 34:56George Kamel?

  Shout out to Whitney's Cookies.

• 34:57Rachel Cruze?

  That's so funny. Okay, and this isn't a comparison on marriage, because Winston, trust me, we are not perfect by any stretch of the imagination. But I am proud when I go through Taco Bell and I text him.

• 35:08George Kamel?

  Are you like, you want anything?

• 35:09Rachel Cruze?

  Yeah, well, I'm like, guess where I am. He's like Taco Bell.

• 35:11George Kamel?

  What's your order?

• 35:13Rachel Cruze?

  Three soft tacos, nachos and cheese.

• 35:15George Kamel?

  Beef?

• 35:15Rachel Cruze?

  Yeah.

• 35:16George Kamel?

  Okay.

• 35:16Rachel Cruze?

  Fire sauce.

• 35:17George Kamel?

  Oh, wow. Bold. Bold.

• 35:20Rachel Cruze?

  Y'all, it's so good.

• 35:22George Kamel?

  What's Winston's order?

• 35:23Rachel Cruze?

  Uh, he doesn't need it. So to your point, no judgment, even though he doesn't need it.

• 35:28George Kamel?

  He probably can't enjoy it for a thousand reasons.

• 35:31Rachel Cruze?

  Yeah, he would go drink a protein shake or something.

• 35:33George Kamel?

  He wouldn't define his body with that.

• 35:35Rachel Cruze?

  And that's the thing is everyone's like, it's so bad for you. But I'm like, is it?

• 35:38George Kamel?

  He could probably eat that because it's not real meat in there anyways.

• 35:40Speaker 02

  I think it's like sawdust. Didn't they confirm that it's like cut with sawdust?

• 35:45Rachel Cruze?

  No, no, no.

• 35:47Speaker 02

  I think that they did.

• 35:50Rachel Cruze?

  No.

• 35:51George Kamel?

  I think they take compost and like turn it into a beef.

• 35:53Speaker 02

  I've read somewhere.

• 35:55Rachel Cruze?

  And mozzarella sticks at Sonic. That's the other thing.

• 35:56George Kamel?

  Oh dang, that's a good one.

• 35:58Rachel Cruze?

  I love fast food.

• 35:59George Kamel?

  Say what you will, she's got taste.

• 36:01Rachel Cruze?

  I love it.

• 36:02George Kamel?

  All right, next one, refusing to be generous but going on three luxury vacations a year.

• 36:07Speaker 02

  Ooh.

• 36:12Speaker 02

  When you say refusing to be generous, what does that look like?

• 36:17George Kamel?

  You tell me.

• 36:18Speaker 02

  I don't know.

• 36:18George Kamel?

  Just rate it at face value. Don't question it.

• 36:21Speaker 02

  It's hard for me. It's hard for me.

• 36:27George Kamel?

  All right, I went five on, I'm middle of the road on this one.

• 36:30Rachel Cruze?

  I know y'all.

• 36:30George Kamel?

  Because I don't know the heart of humanity. I don't know their.

• 36:33Speaker 02

  I don't either.

• 36:33George Kamel?

  Where they're coming from.

• 36:35Rachel Cruze?

  I went three. I went low.

• 36:36Speaker 02

  There seemed like there was some sort of a Scroogery to this, so I said seven, like a Scrooge, like, I refuse to give. So I.

• 36:45Rachel Cruze?

  Yeah.

• 36:45Speaker 02

  I went higher.

• 36:46Rachel Cruze?

  She took that, she took the word to heart.

• 36:47George Kamel?

  Hey, I don't have money to give to this thing, but I do have money to go on these luxury vacations.

• 36:53Rachel Cruze?

  See, I think it's a topic that's not normal. I don't think, unless there's like a spiritual component, I mean, honestly.

• 37:00Speaker 02

  I don't think most people give.

• 37:01Rachel Cruze?

  I don't think they think about it.

• 37:03George Kamel?

  Agreed.

• 37:03Rachel Cruze?

  So that's why I went low is because I guess the word refusing is a little bit of a strong.

• 37:08George Kamel?

  Unless it's part of your like faith background, it's a, it's a strange thing to be like, wait, you just want me to give a bunch of my money away?

• 37:13Rachel Cruze?

  Right, right.

• 37:14Speaker 02

  Even if you look at churches, like the percentage that give.

• 37:16Rachel Cruze?

  That actually give are very, pretty.

• 37:18Speaker 02

  Very low.

• 37:18Rachel Cruze?

  Yes, very, very low. So. I think it's more common for people not to, so maybe that's why I went meh.

• 37:25George Kamel?

  Yeah.

• 37:25Rachel Cruze?

  I'm not surprised.

• 37:26George Kamel?

  I think left with their own devices, humans are fairly, you know, inward looking. And so you're gonna go, I wanna have fun.

• 37:32Speaker 02

  That makes sense.

• 37:33Rachel Cruze?

  Just like your friends at dinner.

• 37:34George Kamel?

  That's right.

• 37:35Rachel Cruze?

  I got you.

• 37:35George Kamel?

  Very selfish.

• 37:36Rachel Cruze?

  Uh, next, paying eight hundred dollars a month for a car when that money could be turned into millions invested instead.

• 37:43Speaker 02

  After we've told them not to.

• 37:46George Kamel?

  That's the caveat.

• 37:47Speaker 02

  I'm gonna add that, after we told them.

• 37:50George Kamel?

  Eight hundred a month.

• 37:51Speaker 02

  Don't do it.

• 37:52Rachel Cruze?

  Don't do it.

• 37:54George Kamel?

  Yeah.

• 37:55Speaker 02

  Go with it.

• 37:56Rachel Cruze?

  Y'all, I'm a ten on this one.

• 37:57Speaker 02

  I'm a ten too.

• 37:58George Kamel?

  Wow, I went eight, I'm a, I'm a real softie today.

• 38:01Rachel Cruze?

  Wow, sweet George over there.

• 38:03Speaker 02

  I just feel like people feel it, like they know, you know, when you've gotten yourself into trouble. And people would rather drive that brand new car even though it's bleeding them dry every single month.

• 38:15Rachel Cruze?

  Yes, it's an ego play to me for the most part. And I think people can couch it of like, and I get people want a reliable car. So I get like not wanting to drive something that's like breaking down all the time. I'm not talking about that.

• 38:24Speaker 02

  But twenty twenty-five.

• 38:25Rachel Cruze?

  But.

• 38:25Speaker 02

  Brand new.

• 38:26Rachel Cruze?

  Yes, and it's constant and I'm like, that is just, it, it, from a, from a math standpoint, I think it's one of the hardest ones to like come back from. Where you're like, oh my gosh, what you're paying, we talked to a guy paying twenty-three percent in interest in his car.

• 38:38George Kamel?

  Oh my gosh.

• 38:39Rachel Cruze?

  And you're just like, what are you doing now? Like I could almost justify a house more, you know what I mean? Like a house payment that's a lot or something.

• 38:47George Kamel?

  Yeah.

• 38:47Rachel Cruze?

  Where you're like, hey, that's your home.

• 38:48George Kamel?

  Well, at least not a depreciating asset.

• 38:50Rachel Cruze?

  Yes, but a car, it's so, it just feels more ego. And I was like, but safety, and I'm like, I don't think that's, I don't know.

• 38:56George Kamel?

  No.

• 38:56Rachel Cruze?

  No, I think, I think a Honda Civic is safe.

• 38:59George Kamel?

  I think a twenty thousand dollar car is just as reliable and safe as a fifty thousand dollar car.

• 39:03Speaker 02

  Well, that's the thing, it's like if you're going into debt, I feel like that's the extreme. It's like you could, if you were gonna go into debt, couldn't you have just got the twenty thousand dollar one?

• 39:10Rachel Cruze?

  Yeah, people call it like a sixty-three thousand.

• 39:12Speaker 02

  Still fine.

• 39:13George Kamel?

  But they want it to be new.

• 39:15Speaker 02

  That's how you know.

• 39:15George Kamel?

  Until they drive it and then it's used.

• 39:16Rachel Cruze?

  Well, and a new nice car to your point.

• 39:18Speaker 02

  Yeah.

• 39:18Rachel Cruze?

  It's like, well, I have a sixty-three thousand dollar car pay, you know, car loan. When you're like, why didn't you just go get a eighteen thousand?

• 39:24Speaker 02

  Yeah, that could have gotten the job done.

• 39:25George Kamel?

  Here's why I docked it. I don't, I don't think these people see the eight hundred as a, they don't connect the dots between that and investing.

• 39:33Speaker 02

  Well, that's the same person who says, I don't have enough money to pay for my kid's college in cash. How are we supposed to, you know, like?

• 39:39George Kamel?

  Or on, on, you can't retire in today's America. Might as well live it up until you die.

• 39:43Speaker 02

  But it's that eight hundred dollars has blocked you.

• 39:44George Kamel?

  Very fatalist, and so it's very YOLO mentality, and it's true. They wanna look good.

• 39:50Speaker 02

  Right.

• 39:50George Kamel?

  Or if it's the mom, they want the big, safe, reliable SUV, brand new Tahoe.

• 39:54Rachel Cruze?

  And I get wanting room, like, especially if you've got three kids. The third kid for me was like a, oh, oh, I feel this. Like, this is, we need.

• 40:02George Kamel?

  Three young kids and car seats and all of that.

• 40:04Rachel Cruze?

  Yes, like, so I get it, but also, for what it would cost per month to do, I, I don't think I could, genuinely. Yeah. I think I'd go get like a really old van if I had to. Love my van.

• 40:17George Kamel?

  Love a good van. All right, next up, adults in their mid thirties living at home to save money, quote, unquote.

• 40:25Rachel Cruze?

  Adults in their thirties.

• 40:26George Kamel?

  All right.

• 40:27Speaker 02

  I still, again, I have questions. Indefinitely, did they put a timeframe on it?

• 40:33George Kamel?

  We're gonna assume it's the standard fare.

• 40:35Rachel Cruze?

  I mean, thirties, y'all.

• 40:37Speaker 02

  Thirties is pretty bad.

• 40:39George Kamel?

  And it was to save money.

• 40:40Speaker 02

  To save money?

• 40:41George Kamel?

  Yeah.

• 40:42Speaker 02

  All right.

• 40:43George Kamel?

  Ten plus.

• 40:44Rachel Cruze?

  I'm going nine.

• 40:45Speaker 02

  I'm going controversial. Five.

• 40:47Rachel Cruze?

  Oh, you're low.

• 40:47Speaker 02

  If they're saving money and there's a time limit on it.

• 40:50Rachel Cruze?

  But there's a grown, a man.

• 40:52George Kamel?

  Can I share the story?

• 40:53Speaker 02

  Is he single? Is he married?

• 40:55Rachel Cruze?

  I don't know, living with his parents?

• 40:56George Kamel?

  Can I tell you the call that I took?

• 40:58Speaker 02

  Did he go through a hard time?

• 40:59George Kamel?

  Go, go, George. They moved in, in their, there were thirty-three, I remember this, and they moved in with his family so that, cause he was like, hey, we need to save money. We gotta get out of this debt. We gotta save money. So I finally asked, well, how much debt were you guys in when you started this? I said, ten thousand dollars. I said, great, what's the progress? Where are you guys at now? We're forty thousand dollars in debt.

• 41:19Speaker 02

  No.

• 41:19George Kamel?

  I said, whoa, whoa, whoa, you did all this to save money? How'd you go thirty thousand dollars more into debt? Well, he just likes to buy a lot of, and I went, this is exactly my fear. Is you get too comfortable when you're living with family and you don't. End up saving more, you end up just spending more because you don't have rent to pay. So that 1,200 bucks just goes into the ether.

• 41:38Rachel Cruze?

  Yes.

• 41:38Speaker 02

  Yeah.

• 41:39George Kamel?

  So that is why I'm so angry at this because most people I talk to don't actually save money.

• 41:42Rachel Cruze?

  And if there's a time period of like, okay, your, um, you know, families move in because they're like building a house. I don't know. If there's a reason, like I get that.

• 41:50George Kamel?

  Yes. Caveat, if you had a big life implosion, health scare, a divorce, totally get it.

• 41:55Rachel Cruze?

  Yes, 100%.

• 41:56George Kamel?

  That's not what we're talking about.

• 41:56Rachel Cruze?

  No. And my biggest thing is the dating. Like if you were in your mid 30s and you're single, could you, could you imagine, like where do you want to hang out after? Like if the, if the date's going well and you want to?

• 42:07George Kamel?

  Hey, mom made spaghetti tonight. You want to come over?

• 42:09Rachel Cruze?

  I mean, genuine, genuinely, like that is so unattractive to me.

• 42:13Speaker 02

  It's a problem.

• 42:14George Kamel?

  Yeah.

• 42:14Speaker 02

  It's a problem, but it will keep you holy.

• 42:16Rachel Cruze?

  Like you're going back to your, your bedroom, like your childhood bedroom. You know what I'm saying? I'm like, you're a man that like.

• 42:22George Kamel?

  Well, correct me if I'm wrong, but women are looking for like provision and protection.

• 42:26Speaker 02

  That would be my biggest thing.

• 42:28George Kamel?

  I don't think that's, they don't see that future.

• 42:30Speaker 02

  I would be concerned that this person can't sustain themselves. Therefore, how could they?

• 42:35Rachel Cruze?

  Yes.

• 42:35Speaker 02

  Be married and sustain a wife or, you know, that would be my problem.

• 42:39Rachel Cruze?

  Yes. I just, I don't like, yeah.

• 42:41George Kamel?

  You heard it here from grown women in their 30s. Don't do it, guys.

• 42:46Rachel Cruze?

  Don't do it. All right. Next one is taking out debt for vacations because it's 0% APR for 12 months.

• 42:59Rachel Cruze?

  Pet peeve.

• 43:02Speaker 02

  I feel like I'm surprisingly empathetic on this. I don't know why.

• 43:06George Kamel?

  I went nine.

• 43:06Rachel Cruze?

  I went four.

• 43:07Speaker 02

  I went four. Jade, we are a lot alike.

• 43:10George Kamel?

  Here's my reasoning. They always have to mention that it's 0% APR for 12 months. It's like they're bragging about the stupidity that like, well, I got a good deal on my debt. So therefore I'm a genius. That's the pet peeve part for me.

• 43:25Rachel Cruze?

  Okay.

• 43:25George Kamel?

  Not the fact that you went into debt, but it's the people who always have to mention their low interest rate to justify their debt.

• 43:32Speaker 02

  We talked about that today.

• 43:32Rachel Cruze?

  We got a lot of those.

• 43:33Speaker 02

  Well, it's only 4%.

• 43:35George Kamel?

  That's like, it's almost a, I'd rather you lack financial literacy than think you know it all and be going into debt.

• 43:41Rachel Cruze?

  Yeah.

• 43:41George Kamel?

  That, that person's hard to change their mind.

• 43:43Rachel Cruze?

  That's fair.

• 43:44George Kamel?

  Because they've, they've assumed they're like a math genius by rolling over their 0%, doing balance transfers, finessing the system. Sorry, I keep hitting your mic. I'm so angry. So yeah, that one really bothers me for some reason.

• 43:55Rachel Cruze?

  Really?

• 43:56George Kamel?

  And it's usually guys, I will say, that fall into this bragging about the interest rate trap.

• 44:00Speaker 02

  What's up with that?

• 44:01Rachel Cruze?

  Yeah, most, most women aren't like, ooh, I got 0% APR.

• 44:04Speaker 02

  I feel like in your other life, you were this guy.

• 44:07George Kamel?

  Yes, left my own devices. This would have been my arch nemesis.

• 44:10Rachel Cruze?

  Like a?

• 44:11George Kamel?

  Bizarro George.

• 44:12Speaker 02

  Yeah.

• 44:12George Kamel?

  Would have been bragging about his interest rates.

• 44:14Rachel Cruze?

  Incarnation, who was George?

• 44:15Speaker 02

  And what is that?

• 44:16Rachel Cruze?

  If there was another life, George, you'd be a crypto bro.

• 44:19Speaker 02

  You'd be a crypto bro.

• 44:20George Kamel?

  I 100% would be a crypto.

• 44:21Rachel Cruze?

  You'd be all these things. You'd be all of our pet peeves.

• 44:23George Kamel?

  I'd be everything I hate.

• 44:24Speaker 02

  I got 2.2% interest on my house.

• 44:26George Kamel?

  And in the movie, the last scene would be us fighting to the death.

• 44:30Speaker 02

  You and I?

• 44:31George Kamel?

  No.

• 44:31Rachel Cruze?

  Oh, no, I was like, what?

• 44:33George Kamel?

  Like evil George versus me. We'd have to fight.

• 44:37Speaker 02

  Got it.

• 44:37Rachel Cruze?

  I think I would have been royalty in my last life. I really think I.

• 44:42George Kamel?

  What? That's a thing you thought about?

• 44:45Rachel Cruze?

  No, just now. I just thought, what do I gravitate towards? I'm like, caviar would be really fun. Like, if that was like my new hobby.

• 44:52George Kamel?

  In a past life, you were royalty.

• 44:53Rachel Cruze?

  In a past shirt.

• 44:54George Kamel?

  What about in a future life?

• 44:56Rachel Cruze?

  Ooh.

• 44:57George Kamel?

  You got a crown in heaven.

• 44:59Rachel Cruze?

  I was gonna say a homesteader, but I don't know if I want to do all the animals.

• 45:02Speaker 02

  Oh.

• 45:03George Kamel?

  How about trad wife influencer? I could see that.

• 45:07Rachel Cruze?

  Ooh, maybe.

• 45:09George Kamel?

  All right, take us home.

• 45:10Rachel Cruze?

  Last one, y'all. You ready for this?

• 45:11Speaker 02

  Yeah.

• 45:13Rachel Cruze?

  This is funny. Grown men spending money on in-app purchases for games.

• 45:18Speaker 02

  Oh.

• 45:22Speaker 02

  Man, oh, man.

• 45:23Rachel Cruze?

  I, ooh. This is funny. George.

• 45:30George Kamel?

  I'm going empathetic here with a six.

• 45:32Rachel Cruze?

  I'm going 10.

• 45:33Speaker 02

  That's because old George would have done it. That's why.

• 45:36George Kamel?

  Oh, you did 10 exclamation points in bold font.

• 45:39Rachel Cruze?

  She did like the bubble letters.

• 45:41Speaker 02

  I don't like games. If you have time, hold on. If you have time in your life to sit and play a game and spend money on it and like do levels, what are you doing?

• 45:54Rachel Cruze?

  Do levels.

• 45:55Speaker 02

  What are you doing? And you're buying things on it? People are buying, are spending money? I am shook.

• 46:01Rachel Cruze?

  I'm with you.

• 46:02Speaker 02

  I'm sorry.

• 46:02Rachel Cruze?

  If I.

• 46:03Speaker 02

  If Sam Warshaw came home with a game.

• 46:06Rachel Cruze?

  I know. Well, and what if he's like, sorry Jade, I needed 15 more lives. So I bought it for six.

• 46:10George Kamel?

  I need to buy a new Fortnite skin.

• 46:11Rachel Cruze?

  Six dollars.

• 46:12Speaker 02

  I would be single.

• 46:13George Kamel?

  I moved some things around on the budget.

• 46:14Rachel Cruze?

  And 99 cents.

• 46:15Speaker 02

  No, no, no, no. When I first met Sam, he had like a PlayStation or like an Xbox. And I walked into his house and I was like, what's that? And he was like, oh, I sometimes, it was like, as he was talking, he immediately shut up. He was like, I sometimes put, oh, I'm selling it this weekend. It was like, he went. Cause I was like, who sits?

• 46:34Rachel Cruze?

  See, I will say Winston, Winston had an, from college and still has it. It's like the old, old Xbox. And he actually brought it out, it was almost a year ago, to, for the kids to get a racing game with the kids.

• 46:47Speaker 02

  I'm okay with that.

• 46:48Rachel Cruze?

  But we only wear, we only use it in the summer.

• 46:49Speaker 02

  I'm okay with that.

• 46:51Rachel Cruze?

  Yeah, but the buying, the phone would bother me. The, if you have an app that you're playing a game.

• 46:57Speaker 02

  Candy Crush.

• 46:58Rachel Cruze?

  Yeah.

• 46:58George Kamel?

  It's borderline like addiction gambling sometimes with these games. Like, I think that, that's why I put a six. I think the amount matters, how much you play matters, your obsession with this matters.

• 47:09Speaker 02

  But my thing is you're, as an adult, if you have children and a spouse, you have no, I'm telling you today, you don't have time. You don't have time.

• 47:18George Kamel?

  Well, like, you know, she's reading her true crime novel, he gets into some Call of Duty. You know, I can see where the paths diverge at night into your hobbies.

• 47:26Speaker 02

  But you're not spending time with your spouse?

• 47:28Rachel Cruze?

  Well, she's reading the crime novel.

• 47:30George Kamel?

  Yeah. You can't read together, that's weird.

• 47:33Rachel Cruze?

  But then, but then here's the thing to me is.

• 47:34George Kamel?

  You want him reading a self-help book?

• 47:36Rachel Cruze?

  I don't want it in like the living room or your bedroom, right? Are they playing?

• 47:39George Kamel?

  That's a big deal.

• 47:40Speaker 02

  That's what I'm saying.

• 47:41Rachel Cruze?

  Yeah, I don't know.

• 47:42George Kamel?

  I just know a lot of guys I work with here that love video games and so I'm being very kind.

• 47:47Speaker 02

  I'm not.

• 47:47Rachel Cruze?

  You don't want to be judged.

• 47:48George Kamel?

  They're gonna watch this.

• 47:49Speaker 02

  I put the kibosh on it every time.

• 47:50Rachel Cruze?

  Yeah, she had bubble letters.

• 47:52George Kamel?

  Yeah, well, here's the caveat, I do think it matters if you're married and it's like you're neglecting your spouse.

• 47:56Speaker 02

  Yes, married with kids, impossible.

• 47:58George Kamel?

  But single guys.

• 47:59Rachel Cruze?

  Jade says no.

• 48:00George Kamel?

  If it's in the budget, you're spending cash, it's a fun little hobby.

• 48:03Speaker 02

  Yeah.

• 48:04George Kamel?

  You know?

• 48:04Speaker 02

  Until you meet a woman that looks at it.

• 48:06George Kamel?

  People like sports and the amount of money they spend on their sports and hobbies is also insane.

• 48:10Speaker 02

  It is. No, I put sports gambling like right up with that.

• 48:13Rachel Cruze?

  No, but, but, but sports in general, like if you're a golfer.

• 48:16Speaker 02

  Oh, oh, oh.

• 48:17Rachel Cruze?

  But in my head, that feels less like.

• 48:21Speaker 02

  That's a hobby, it's a physicality.

• 48:23Rachel Cruze?

  Yeah, you're, you're, you're, you're, you're doing something, you're out, you're not staring at a screen. Like you're hunting, you're out with nature, you're, you know what I'm saying? Like, it can be the same amount, but there is something.

• 48:33George Kamel?

  It's a healthier.

• 48:34Rachel Cruze?

  It's something childlike that feels odd to me. Maybe seeing a grown, I don't know, sorry anyone that I'm offending. Seeing a grown man like, try to like.

• 48:44George Kamel?

  It will never be me. I will say, on the last flight we took for work.

• 48:48Rachel Cruze?

  It's weird.

• 48:48George Kamel?

  The guys got me playing the Nintendo Switch and we played Mario Party all the way home. One of the guys in the room, we had a great time. He won't even make eye contact with me.

• 48:57Rachel Cruze?

  It's great.

• 48:58George Kamel?

  We had a great time, didn't we? He crushed us.

• 49:01Rachel Cruze?

  Okay, can I say this? We're done after this.

• 49:03Speaker 02

  Yes, yeah.

• 49:04Rachel Cruze?

  I may get in trouble. I would almost find it more, oh, not okay. That, uh, doing like a, and I'll, and I'll go lie, I won't say sports betting, but I'll say like a fantasy league.

• 49:16Speaker 02

  That would bother me.

• 49:17Rachel Cruze?

  Putting money towards a sport, which I still think is stupid because you can't control the game. Like you're not playing the game.

• 49:22George Kamel?

  Or can you?

• 49:23Rachel Cruze?

  Versus, versus a video game.

• 49:26Speaker 02

  Cause it's, I think it's cause of sports.

• 49:27Rachel Cruze?

  It's like not an imaginary world with forts and knights and roadblocks. I don't even know, I don't even know what's, I don't even know what they are.

• 49:34George Kamel?

  Is that what Fortnite is about?

• 49:35Speaker 02

  I don't know.

• 49:36Rachel Cruze?

  I don't know, but there's also like the roadblocks. I've heard that.

• 49:40George Kamel?

  Not roadblocks, roadblocks.

• 49:44Rachel Cruze?

  Oh, I thought they like.

• 49:44George Kamel?

  R O B L O X.

• 49:46Rachel Cruze?

  I thought it like blocked the road and you had to build the city around it. No, all right, never played, I've never played.

• 49:51George Kamel?

  All right, we're gonna do a game night, guys.

• 49:53Rachel Cruze?

  We're super controversial.

• 49:54George Kamel?

  Now, Tony Hawk's Pro Skater, I will crush all of you in that all day long.

• 49:57Rachel Cruze?

  Now, a race, yeah, I don't know.

• 49:59George Kamel?

  That's different.

• 50:00Rachel Cruze?

  If a child is.

• 50:01Speaker 02

  I'm talking about the ones on your phone that's like candy and stuff falling from the sky.

• 50:05Rachel Cruze?

  Yeah, Candy Crush, yeah, yeah.

• 50:07George Kamel?

  There's something more sad about that.

• 50:09Rachel Cruze?

  Oh, my gosh.

• 50:10George Kamel?

  Okay, we had fun judging.

• 50:12Rachel Cruze?

  Yes.

• 50:12Speaker 02

  I feel judgmental, I feel bad about that.

• 50:14Rachel Cruze?

  No, no, this is what this is, this is what the show is for. Yeah.

• 50:17George Kamel?

  That's what the show is for, for Rachel to vent her frustrations and judgments.

• 50:21Rachel Cruze?

  That's what we were, that's what we were wanting for the first place. Okay, George, we've been a little hard on the gamers out there.

• 50:26George Kamel?

  I apologize.

• 50:27Rachel Cruze?

  I know, so if you need to like, have a little self pity, you kind of need to be on the couch and kind of be a little depressed. Then make sure you have a Cozy Earth blanket with you because all Cozy Earth products will make you happy again. I'm telling you, whether it's the athleisure I wore, my Cozy Earth black sweatshirt to soccer.

• 50:45George Kamel?

  Yep.

• 50:46Rachel Cruze?

  Um, I had that with my kids. Uh, we went home. I had the Cozy Earth blanket, got in my Cozy Earth pajamas to get in my Cozy Earth sheets. I mean, seriously, you guys, the quality of these products is phenomenal.

• 50:56George Kamel?

  You just go from cozy to cozy, don't you?

• 50:58Rachel Cruze?

  I did. Oh, and my socks. I wore my Cozy Earth socks like a, like a true Gen Z-er. They're a little high. They're not the ankle socks. They have a little height to them.

• 51:06George Kamel?

  I went for the no-shows from Cozy Earth. I might need to upgrade.

• 51:08Rachel Cruze?

  Yeah.

• 51:08George Kamel?

  I'll get there. Everything. The bamboo sheets are incredible. We sleep on those. The new cotton washed ones.

• 51:13Rachel Cruze?

  Yes.

• 51:14George Kamel?

  Soft wash, so good. So here's my thing. Make home the best part of your life.

• 51:18Rachel Cruze?

  That's right.

• 51:19George Kamel?

  It's not that hard with Cozy Earth. And if you want a sweet discount, you can get 20% off by going to cozylearth.com/smartmoney or just use the link in the description below.

• 51:28Rachel Cruze?

  Okay, so wrap it up. What's our teaching, would you say, George?

• 51:31George Kamel?

  What is the teaching?

• 51:32Rachel Cruze?

  For the episode?

• 51:33George Kamel?

  Um, you know, to each his own, but I don't want to hear you complain when you just know better. So that's, I think, some of these pet peeves, you do it once.

• 51:45Rachel Cruze?

  Yeah.

• 51:45George Kamel?

  Okay. But if you're not learning, you're not growing, you're not self-aware about your habits, and you're surrounding yourself with other people doing dumb stuff, don't be surprised when you end up nowhere five years from now. So there's a piece of it where you have to continually grow because we've all done a lot of these stupid things on this list.

• 52:02Rachel Cruze?

  Yes, sure.

• 52:02George Kamel?

  But eventually you go, you know what? I want to be better.

• 52:05Rachel Cruze?

  Yeah.

• 52:05George Kamel?

  I want to know better. I want to do better. I want to be better financially. And so you have to grow. So these pet peeves were fun to talk about. I just hope you don't stay there.

• 52:13Rachel Cruze?

  And it points out some pain points for people when it comes to money because money is hard, right? And everyone has a story. And Jade, you and Sam, I mean, y'all paid off, I mean, $460,000 of debt. There's a lot of emotion around it, um, which is one reason why we're so excited because you wrote a new book.

• 52:30George Kamel?

  I did.

• 52:30Rachel Cruze?

  Woo! I'm gonna find, ready for this?

• 52:32George Kamel?

  Yeah, pull up from behind your chair. Sneak peek.

• 52:36Rachel Cruze?

  Boom, boom. Look at this.

• 52:39George Kamel?

  What no one tells you about money.

• 52:42Rachel Cruze?

  From Jade Warshaw. Okay, so tell us about it Jade.

• 52:45Speaker 02

  Yeah, you know, I think it's the reason I was a little bit more empathetic to some of these answers because I do think that when you're financially strapped, if you're going through a debt payoff or just a really hard financial time, you do dumb stuff and your emotions are leading you and it can be really tough to navigate that. And I know for Sam and I in a seven and a half period, we probably, seven and a half year period, we probably made a lot of the mistakes, you know, that we wrote about on the boards today. But I wrote this book because changing your habits with money is not as easy as, you know, just, you know, a light switch. It's, it really is something to work through and all of us are met with different things, whether it's just the fear of change, not knowing what's on the other side, or guilt

• 53:30Speaker 02

  from making bad, some of these bad decisions that we talked about. And so this really helps a person who understands like the logic of the numbers, but is really struggling with just the emotional side of giving up a habit like video games, not spending money on Candy Crush anymore.

• 53:45George Kamel?

  The sacrifices.

• 53:46Speaker 02

  Right, or not having a car payment anymore because you finally realize that, you know, you know, the logic that it's keeping you from retirement or saving for kids' college, but it's, it's very hard because it's a status symbol like you talked about.

• 53:57Rachel Cruze?

  Hundred percent.

• 53:58Speaker 02

  So, yeah, this is the emotional side that we don't do a good job talking about.

• 54:01George Kamel?

  Everybody needs to get this. I was just texting a friend who was telling me about his financial problems. I said, I'll coach you. He said, well, just so you know, like there's money stuff, but it's largely relational and emotional. And I said, emotional creatures rarely make the logical decision. And I thought you unpacked that in this book beautifully. So I'm pumped for this book and it's out now. So make sure to get your copy. We'll drop a link in the description below. You're not going to regret it.

• 54:25Rachel Cruze?

  All right, before we spill the tea on our guilty as charged segments, let's rate our drinks. Y'all.

• 54:31George Kamel?

  Finally, a 10 out of 10.

• 54:32Rachel Cruze?

  I think I'm going 10 out of 10. Mm-hmm. Genuinely, I think it was so good. It's my kind of drink.

• 54:37George Kamel?

  All right, so this was a tequila Old Fashioned. I think Jade and Rachel both.

• 54:41Rachel Cruze?

  We finished it.

• 54:42George Kamel?

  Finished it.

• 54:42Rachel Cruze?

  Did you? Oh, you didn't finish yours.

• 54:43George Kamel?

  Well, I was busy working.

• 54:44Rachel Cruze?

  Okay.

• 54:45George Kamel?

  Someone had to do it. It's a really delicious drink. If you like an Old Fashioned with bourbon, you're gonna like this one. It's got Reposado Tequila, so slightly aged, a little bit of that smoky vibe. It's got some mezcal, black walnut bitters, orange bitters, agave nectar, and it comes out to $2.42.

• 55:03Rachel Cruze?

  Amazing.

• 55:04George Kamel?

  Not bad.

• 55:04Rachel Cruze?

  So beautiful.

• 55:05George Kamel?

  For what you'd pay for this at a fancy cocktail bar.

• 55:07Rachel Cruze?

  Yeah, so good.

• 55:08George Kamel?

  So get the recipe in the description and make it this weekend and try it out if you're of age. Enjoy.

• 55:14Rachel Cruze?

  All right, now it's time for.

• 55:15George Kamel?

  Guilty as charged.

• 55:17Rachel Cruze?

  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. Yours is gone. Here it is, I know. We'll have to get the. Okay. Have you ever had a culinary mishap that cost you financially or otherwise?

• 55:32George Kamel?

  Oh, wow.

• 55:34Rachel Cruze?

  A culinary mishap?

• 55:35George Kamel?

  Yeah, something happened in the kitchen.

• 55:36Rachel Cruze?

  Cost you. It cost me my health. I had one of the worst, I don't want to get all graphic.

• 55:43George Kamel?

  Okay.

• 55:44Rachel Cruze?

  Burns ever when I was cooking. This was like two years ago, y'all. It was horrible. What'd you do? I had a skillet. It was enchiladas. And you like make it all and then you like use the skillet on top of the oven to like do all the other stuff. And then you put it in the oven to bake at like 4:50. And I opened it to get it out. I wasn't even thinking. And I, and it took like three seconds for it to like. And I, I think I threw, I mean, I think I like dropped it. Y'all, I have never had, I mean, it was, I had to sleep, which you're not supposed to do in cold water, but I put my hand in cold water and I would wake up every hour because it would just be burning. It was horrible, y'all.

• 56:26George Kamel?

  Yikes.

• 56:26Rachel Cruze?

  That was probably the worst culinary mishap I've had. It was. I think I'd rather have stitches, honestly.

• 56:32Speaker 02

  Yeah.

• 56:32Rachel Cruze?

  Than a bird.

• 56:33Speaker 02

  Burns hurt.

• 56:33Rachel Cruze?

  Oh, it was horrible.

• 56:34George Kamel?

  Well, let's compare stories then, Rachel, because mine involves stitches.

• 56:37Rachel Cruze?

  Oh, seriously? Well, there you go.

• 56:39George Kamel?

  On this thumb, six stitches on this left thumb.

• 56:42Rachel Cruze?

  Oh, my.

• 56:42George Kamel?

  I can no longer do a full hitchhiker's thumb. Camera catch that, yeah. So there's my left.

• 56:48Speaker 02

  You almost cut it off.

• 56:49George Kamel?

  I cut like the nerve. Yeah, so I was in second grade and I was opening Kool-Aid jammers, the six pack with that tight plastic around it.

• 56:55Rachel Cruze?

  Yes.

• 56:56George Kamel?

  And I didn't, I find anything except for a razor blade to open it with. And it just slid down the plastic and I just sliced my thumb.

• 57:04Rachel Cruze?

  Oh, my gosh. We have people maybe passing out.

• 57:06George Kamel?

  Yeah, I apologize.

• 57:07Rachel Cruze?

  We'll move on.

• 57:07George Kamel?

  But I was in the second grade, if that makes you feel better.

• 57:09Speaker 02

  We had to get that jammer out of there.

• 57:10Rachel Cruze?

  That's horrible.

• 57:12George Kamel?

  And I think that's why I'm not good at sports with my left arm. That's my excuse. Like, I think it messed up my, you know, the way I throw.

• 57:20Rachel Cruze?

  The way you, yeah.

• 57:21Speaker 02

  Well, if you throw like this, you've got other issues.

• 57:23George Kamel?

  Yeah, no, my right arm, I'm Peyton Manning.

• 57:26Speaker 02

  Oh, hey.

• 57:29George Kamel?

  Left arms are real strong.

• 57:30Rachel Cruze?

  Tricky, tricky, tricky.

• 57:31George Kamel?

  So that, that one, yeah, it cost me my thumbs up. I'll never be able to thumbs up again.

• 57:35Speaker 02

  My thumbs up.

• 57:37George Kamel?

  That could have been my money maker.

• 57:38Speaker 02

  Oh, my gosh.

• 57:39George Kamel?

  Yeah. Now it's just like, I don't know what you call this. Is this hitchhiker's thumb if it curls?

• 57:43Rachel Cruze?

  I know, that's the curly one.

• 57:44Speaker 02

  That's a, that's a weird.

• 57:46George Kamel?

  Can you go full, full curl?

• 57:47Speaker 02

  I never had the genetic to begin with.

• 57:49George Kamel?

  Oh, you're straight up.

• 57:50Rachel Cruze?

  Oh, yours are straight. Mine are like a medium.

• 57:53Speaker 02

  Yeah.

• 57:53George Kamel?

  Good to know.

• 57:54Speaker 02

  That's like, it's like a, a dominant gene.

• 57:57Rachel Cruze?

  Can you do this?

• 57:58Speaker 02

  Yeah.

• 57:58George Kamel?

  No, I cannot do the Star Trek split.

• 58:00Speaker 02

  You can't?

• 58:00George Kamel?

  No, no.

• 58:02Speaker 02

  It's harder on this hand, and I have my own.

• 58:04Rachel Cruze?

  Oh, it is hard on that one, too.

• 58:05George Kamel?

  Good for you.

• 58:06Rachel Cruze?

  It's good.

• 58:06George Kamel?

  What can't you do?

• 58:07Rachel Cruze?

  What can't I do?

• 58:08George Kamel?

  She's the best.

• 58:10Rachel Cruze?

  Did I do any culinary mishaps?

• 58:12Speaker 02

  Yeah, I'm trying to think. Uh, I've never.

• 58:13George Kamel?

  You're a pro in the kitchen.

• 58:15Rachel Cruze?

  I know.

• 58:15Speaker 02

  Yeah, I've never cut myself, like, I burned myself recently, but it was just like a quick lights. Like, it was not like a.

• 58:22Rachel Cruze?

  Terrible one.

• 58:23Speaker 02

  Trying to think.

• 58:24George Kamel?

  No oven fire, never had to use the fire extinguisher.

• 58:27Speaker 02

  Once when I was a kid, I got food poisoning.

• 58:29Rachel Cruze?

  Oh, wow.

• 58:30George Kamel?

  That wasn't your, a fault of your own.

• 58:31Speaker 02

  My mom gave us frozen pizza and we all got sick.

• 58:34Rachel Cruze?

  No, I love frozen pizza.

• 58:36Speaker 02

  Yeah, we were all.

• 58:37George Kamel?

  I didn't know that could go bad.

• 58:38Speaker 02

  Yeah. It was like TGIF, remember when we were kids, TGIF? My mom made a frozen pizza and by the time.

• 58:44Rachel Cruze?

  For step by step?

• 58:45Speaker 02

  Yeah, by the time it was over and 2020 came on, we were all sick.

• 58:49Rachel Cruze?

  No, it hit quick.

• 58:50Speaker 02

  It hit quick.

• 58:51Rachel Cruze?

  Oh, that's not good.

• 58:52Speaker 02

  Yeah.

• 58:52Rachel Cruze?

  No fun.

• 58:53George Kamel?

  Haven't had frozen pizza since, have you?

• 58:55Speaker 02

  No, I still enjoy them to this day.

• 58:57George Kamel?

  You got a favorite? Can you shout out your favorite frozen pizza?

• 59:00Speaker 02

  Honestly, it's not frozen, but the one at Whole Foods that you get that's already made.

• 59:04Rachel Cruze?

  Oh, yeah.

• 59:05Speaker 02

  If you doctor it up.

• 59:06George Kamel?

  So add some of your own toppings.

• 59:08Speaker 02

  Yeah, well, I take it home and then I like add butter on the crust and like oregano.

• 59:12Rachel Cruze?

  Oh, oh, oh, should makes it fancy.

• 59:14Speaker 02

  Hold on, I'm gonna tell you right now, if you put butter on the crust and then sprinkle everything seasoning on it.

• 59:18Rachel Cruze?

  Yes.

• 59:19Speaker 02

  There you go.

• 59:20Rachel Cruze?

  Delish.

• 59:20Speaker 02

  So good.

• 59:21George Kamel?

  All right.

• 59:21Speaker 02

  Do it.

• 59:22Rachel Cruze?

  Maybe doing it at home, for sure. Well, make sure to DM us your guilty as charged questions. We love them. You can send to at Rachel Cruz or at George Kamel. We're always on the lookout. And if you enjoyed this episode, you will love the episode. Dave Ramsey answers your most asked questions. Another guest, we will put a link for you. And make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour. Cheers, George.

• 59:49George Kamel?

  Cheers.

• 59:49Rachel Cruze?

  Jay, thanks for coming on. Thanks for having us.