Critiquing People’s Disney Drama (Debt, Lawsuits and Club 33 Tea)

💻 Figure out your next financial move with Ramsey’s Get Started Assessment. Vacation debt, budget-friendly hacks and some light legal drama—today we’re unpacking all things Disney! Stick around for the magic, fun and chaos. Next Steps: 🎙️ Catch our episode Comparing Disney Villains to Sneaky Financial Industry Traps. 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Create a free budget and find more margin with EveryDollar. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Pineapple Blueberry Margarita Mocktail Recipe by Yum Recipes Now Lime juice Pineapple juice Blueberry syrup Sparkling water Salt Instructions: Start by rubbing a lime wedge around the rim of your glass. Then, dip the rim into a plate of salt to coat it evenly. In a shaker or mixing glass, combine 3/4 ounce of fresh lime juice, 1/2 ounce of pineapple juice, and 1/2 ounce of blueberry syrup. Stir or shake gently to blend the flavors without diluting the vibrant colors. Strain the chilled mixture into your salted rim glass filled halfway with fresh ice. Then, top it off with sparkling water. 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 are unpacking all things Disney, so lean into the magic and stick around. My mind has changed on Disney. I was an Elite Club 33 member for a single day.

• 0:14Rachel Cruze?

  Okay, what was it like?

• 0:15George Kamel?

  Don't quote me on this.

• 0:16Rachel Cruze?

  Okay, okay.

• 0:17George Kamel?

  The Disney people are gonna come after me because I don't know all the rules.

• 0:19Rachel Cruze?

  George, what a hero!

• 0:21George Kamel?

  There we go!

• 0:26Rachel Cruze?

  Hey guys, I'm Rachel Cruz.

• 0:28George Kamel?

  I'm George Kamel.

• 0:30Rachel Cruze?

  And this is... Smart Money Happy Hour.

• 0:41Rachel Cruze?

  That's refreshing.

• 0:42George Kamel?

  Zesty.

• 0:44Rachel 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.

• 0:51George Kamel?

  And today, we are sipping on a pineapple, blueberry, margarita mocktail. That's a mouthful. And it's a delicious drink.

• 0:58Rachel Cruze?

  Delicious.

• 0:58George Kamel?

  So, stick around till the end. We're gonna give you our rating and reveal the cost per glass.

• 1:02Rachel Cruze?

  That's right.

• 1:03George Kamel?

  All right, Rachel, you and I, we agree about a good bit. But one thing that we have been misaligned on in the past is Disney.

• 1:11Rachel Cruze?

  Yes.

• 1:11George Kamel?

  You are very pro-Disney.

• 1:13Rachel Cruze?

  Yes.

• 1:14George Kamel?

  You are like, "I'm taking my children, but it's really for me." Not quite Disney adult. I'm not gonna put you in that category.

• 1:20Rachel Cruze?

  I was gonna say, I'm not that extreme. I'm not going like four times a year. I feel like we've known people and they go... No. And I choose to go other destinations around the world. But I love Disney. Like, if someone texted and was like, "Hey, do you just wanna take you and Amelia, like, one kid and I'll go, and let's go for three nights next week?" I would be like, "Oh, my gosh, should we?" Like, that sounds fun to me. That's not stressful. That doesn't sound miserable. That sounds fun.

• 1:47George Kamel?

  All right. And I historically have been turned off by the Disney adults. To where I went, "This whole thing isn't for me because of these specific subset of people."

• 1:58Rachel Cruze?

  And people cry, I mean, yeah, have you seen the videos of adults crying as they're like hugging Winnie the Pooh and stuff?

• 2:03George Kamel?

  Oh, that's a lot.

• 2:04Rachel Cruze?

  Yeah, yeah.

• 2:05George Kamel?

  I thought it was like fire, like the fireworks, that is magical. I can see someone feeling emotional around that.

• 2:09Rachel Cruze?

  I cried.

• 2:10George Kamel?

  Hugging Winnie the Pooh?

• 2:12Rachel Cruze?

  I know.

• 2:13George Kamel?

  I think you just, you're into some weird stuff.

• 2:14Rachel Cruze?

  Yeah.

• 2:15George Kamel?

  At that point, if that like really is what makes you emotional.

• 2:17Rachel Cruze?

  I know.

• 2:18George Kamel?

  There's some childhood trauma there to unpack.

• 2:19Rachel Cruze?

  As an adult, I agree.

• 2:21George Kamel?

  Maybe Winnie was like your safe place, you know, you had the stuffed animal.

• 2:24Rachel Cruze?

  Oh, man, what if they had a horrible childhood?

• 2:26George Kamel?

  That's what I'm saying. That would track. And again, you need therapy, not Disney.

• 2:32George Kamel?

  Let's play some trivia. Can you name all four Disney parks in Orlando?

• 2:36Rachel Cruze?

  Yes. Animal Kingdom, Magic Kingdom, Hollywood Studios, and Epcot.

• 2:43George Kamel?

  Nailed it, award.

• 2:44Rachel Cruze?

  Ding ding ding ding ding.

• 2:46George Kamel?

  There are six Disney resorts worldwide that has a total of 12 theme parks globally.

• 2:51Rachel Cruze?

  Hmm.

• 2:51George Kamel?

  That's pretty shocking. I did not know that.

• 2:53Rachel Cruze?

  Oh, gosh, I don't know if I can name it. Hold on, let me see.

• 2:55George Kamel?

  You know California, Florida.

• 2:57Rachel Cruze?

  Yeah, you made that sound like one place, California, Florida.

• 3:00George Kamel?

  Very different places, in fact.

• 3:04Rachel Cruze?

  Yes, we got Paris.

• 3:06George Kamel?

  Yep.

• 3:07Rachel Cruze?

  We have Tokyo. Hmm.

• 3:10George Kamel?

  Keep, focus on that region and you'll stay close.

• 3:13Rachel Cruze?

  Shanghai?

• 3:14George Kamel?

  Yep.

• 3:14Rachel Cruze?

  Ah!

• 3:15George Kamel?

  And one more.

• 3:15Rachel Cruze?

  Really?

• 3:16George Kamel?

  And they rhyme, it rhymes.

• 3:19Rachel Cruze?

  Shanghai?

• 3:19George Kamel?

  No, the next one, the final one.

• 3:21Rachel Cruze?

  Rhymes with Shanghai?

• 3:22George Kamel?

  No, they just, it's two words that rhyme.

• 3:26Rachel Cruze?

  Oh, oh no, okay.

• 3:28George Kamel?

  I threw her off. Now she's never gonna get it.

• 3:30Rachel Cruze?

  Hold on. Is it, it's a city?

• 3:34George Kamel?

  Yep.

• 3:36George Kamel?

  I'll give you a hint.

• 3:37Rachel Cruze?

  Okay.

• 3:37George Kamel?

  King.

• 3:39Rachel Cruze?

  King Bing?

• 3:40George Kamel?

  What would come after the word king? It's not king, but what would come after the word king?

• 3:46George Kamel?

  All right, she's.

• 3:46Rachel Cruze?

  Princess. King Charles. King Charles. King.

• 3:52George Kamel?

  Looking for Kong.

• 3:55Rachel Cruze?

  Hong Kong.

• 3:56George Kamel?

  Hong Kong.

• 3:59Rachel Cruze?

  Oh, my gosh, um, wow, real ignorant geography question for you. Shanghai is China?

• 4:07George Kamel?

  Yes.

• 4:09Rachel Cruze?

  Okay, wow.

• 4:11George Kamel?

  So both?

• 4:12Rachel Cruze?

  Yeah.

• 4:13George Kamel?

  Is that correct? Both of them in China, and then we got Tokyo in Japan. It's a big place, they got room.

• 4:20Rachel Cruze?

  Yeah.

• 4:20George Kamel?

  If we have room for two Disneys, surely they do.

• 4:24Rachel Cruze?

  Yeah, I guess so.

• 4:26George Kamel?

  Why haven't they expanded? The big question is like, why? You got Paris, I guess it's anywhere the Olympics have been? Is that where they focus?

• 4:33Rachel Cruze?

  Is that where they are? We need one in Atlanta then. Where's the Atlanta?

• 4:37George Kamel?

  Yikes, that'd be a nightmare. Disney, Atlanta? They have a Six Flags though, don't they?

• 4:43Rachel Cruze?

  Yeah, I think so.

• 4:45George Kamel?

  Yeah.

• 4:46Rachel Cruze?

  And the Coca-Cola Museum.

• 4:47George Kamel?

  They don't want that smoke from Six Flags, they can't compete.

• 4:50Rachel Cruze?

  Can't compete with that.

• 4:51George Kamel?

  Okay, do you know how much the first Disney ticket sold for in 1955?

• 4:56Rachel Cruze?

  Oh man, I'm gonna go $4.38.

• 5:02George Kamel?

  Higher. $1.

• 5:05Rachel Cruze?

  A dollar?

• 5:06George Kamel?

  Yeah, I thought she was pointing up, she was just pointing with one finger.

• 5:09Rachel Cruze?

  Is that not crazy?

• 5:10George Kamel?

  That feels like it was, you know, more ceremonial though.

• 5:14Rachel Cruze?

  Yes.

• 5:14George Kamel?

  Did it stay a dollar? Like, people could just get in for a dollar?

• 5:18Rachel Cruze?

  You know, it was bought by Walt's brother Roy, who actually stood in line on opening day and purchased it in cash, and Walt had it framed in his office till he died.

• 5:28George Kamel?

  What a king. He had like the dollar framed?

• 5:30Rachel Cruze?

  Brother, brotherhood.

• 5:32George Kamel?

  Yeah.

• 5:32Rachel Cruze?

  Roy. Roy, I've got hard names to say, by the way. Just like rural.

• 5:37George Kamel?

  Roy? That's tough for you, three letters?

• 5:40Rachel Cruze?

  Roy.

• 5:43Rachel Cruze?

  Yeah.

• 5:44George Kamel?

  Okay.

• 5:44Rachel Cruze?

  Uh, I think he was the business mind behind everything, right? Roy?

• 5:48George Kamel?

  All of a sudden you know everything about Roy Disney? Was his name Roy Disney?

• 5:52Rachel Cruze?

  I think he was, yes.

• 5:53George Kamel?

  Is that true?

• 5:53Rachel Cruze?

  I think Walt was the creative, Roy was the business guy.

• 5:57George Kamel?

  Can we just say out loud Disney is a weird last name?

• 6:00Rachel Cruze?

  Disney, I don't know, but what if your name, what if your last name was Disney? What if you were Roy's like, great, great niece? And you're like, I'm George Disney?

• 6:09George Kamel?

  It'd be pretty epic.

• 6:09Rachel Cruze?

  It'd be like Rachel Walmart, you know what I mean? You're like, you know?

• 6:13George Kamel?

  I don't think that's actually...

• 6:14Rachel Cruze?

  Or Walton.

• 6:14George Kamel?

  Yeah, I was gonna say, that's not actually their last name, but...

• 6:19Rachel Cruze?

  That's pretty impressive, though.

• 6:20George Kamel?

  Yeah.

• 6:21Rachel Cruze?

  Like, just like Obama, Bush, like a name that's just like, oh, everyone knows.

• 6:26George Kamel?

  Yeah, worldwide brand.

• 6:28Rachel Cruze?

  Yeah. Man, are the, are Disney's around? Like, are the kids in college, you think? Like, like, is their family still called Disney?

• 6:36George Kamel?

  That's a good question. Did they, did they lose the name at some point in the line?

• 6:39Rachel Cruze?

  I wouldn't.

• 6:40George Kamel?

  If that was his true given name? Did he have children?

• 6:43Rachel Cruze?

  Oh, was it his given name?

• 6:44George Kamel?

  Well, you have to have children, and those children have to procreate.

• 6:47Rachel Cruze?

  Exactly. And if it's all boys, and the, you know what I mean? And then they marry.

• 6:49George Kamel?

  We gotta find the Disney lineage.

• 6:52Rachel Cruze?

  But what if you had all girls? And then they all get married, and they don't keep their maiden name? Oh, that's what happened, I bet.

• 6:57George Kamel?

  I would keep my maiden name. I'd go against the grain and go, hey, we all agree I should keep it.

• 7:02Rachel Cruze?

  You should keep this name, because I, like, you can get into restaurants.

• 7:06George Kamel?

  I mean, you get Ramsey. If people even didn't know, like, you're a cruise now, so you kind of lost that.

• 7:11Rachel Cruze?

  Yes.

• 7:11George Kamel?

  People are like, wait, related to Dave, you know?

• 7:13Rachel Cruze?

  Yeah, that's true. It's true.

• 7:15George Kamel?

  But then you got Gordon Ramsay, so then it gets a little confusing.

• 7:17Rachel Cruze?

  Very confusing, yeah.

• 7:18George Kamel?

  Which Dave gets a lot.

• 7:19Rachel Cruze?

  Yes. Do you think Gordon makes up a lot?

• 7:22George Kamel?

  Stiff competition in the Ramsey world.

• 7:23Rachel Cruze?

  Oh, man.

• 7:24George Kamel?

  Not a lot of famous camels that I have to deal with. Joe Camel from the cigarettes.

• 7:29Rachel Cruze?

  I was gonna say the cigarettes.

• 7:30George Kamel?

  New relation, fictional character. Anyways, my mind has changed on Disney.

• 7:36Rachel Cruze?

  Why? What happened?

• 7:37George Kamel?

  Because I was an Elite Club 33 member for a single day.

• 7:42Rachel Cruze?

  Oh, I've heard.

• 7:44George Kamel?

  This was a recent experience. I hadn't been to Disney as an adult, and I think that was the difference maker.

• 7:48Rachel Cruze?

  Yeah.

• 7:48George Kamel?

  And I went recently, and I was like, oh, this was amazing. I don't know why I had this thing in my brain that...

• 7:55Rachel Cruze?

  Of what, yes, of what you thought it was. Okay.

• 7:57George Kamel?

  Yeah. It's not full of Disney adults, I will say that.

• 8:00Rachel Cruze?

  Yes, if you didn't have that experience, you think you'd still have enjoyed it?

• 8:02George Kamel?

  Yes, even without the Club 33, like, elite experience.

• 8:05Rachel Cruze?

  Yes.

• 8:06George Kamel?

  Now, we did have Lightning Lane for the rides. I do think without Lightning Lane, I would have different thoughts in the experience.

• 8:12Rachel Cruze?

  That is true.

• 8:13George Kamel?

  If I was waiting in, you know, an hour to go on a ride.

• 8:15Rachel Cruze?

  Uh huh, uh huh.

• 8:16George Kamel?

  I would have went on three rides, maybe, instead of six.

• 8:19Rachel Cruze?

  Yes. Yeah, you got the full experience.

• 8:21George Kamel?

  Yes.

• 8:22Rachel Cruze?

  Did you go for one day?

• 8:23George Kamel?

  Yeah, I was there for, it was hours. It was like 10 to 5.

• 8:26Rachel Cruze?

  Drop, like, rope drop, all that stuff?

• 8:28George Kamel?

  I don't know what that is. Who's dropping the rope?

• 8:30Rachel Cruze?

  The staff.

• 8:32George Kamel?

  Okay, is that the opening? Okay.

• 8:34Rachel Cruze?

  Rope drop.

• 8:34George Kamel?

  No, I got there about 10. I slept in.

• 8:36Rachel Cruze?

  Okay.

• 8:36George Kamel?

  Not gonna lie.

• 8:37Rachel Cruze?

  Well, because you had all your Lightning Lanes, so you could.

• 8:40George Kamel?

  I was in no rush.

• 8:41Rachel Cruze?

  Man. Okay, what was it like?

• 8:43George Kamel?

  Um, the experience is pretty wild. So Club 33 is this like elite club, kind of hidden around each park. There's a, there's a club and it's like a cool lounge area.

• 8:52Rachel Cruze?

  Can you tell us where they are? Did you go to?

• 8:53George Kamel?

  There's one in each. I went to the one in Hollywood Studios and one at Epcot. Those are the two that I went to.

• 8:58Rachel Cruze?

  Okay, okay. So where was?

• 9:00George Kamel?

  Didn't go to Magic Kingdom.

• 9:00Rachel Cruze?

  Okay, where was the Hollywood Studios one? I'm a, you don't know. Do you remember what ride it was next to?

• 9:06George Kamel?

  Couldn't tell you.

• 9:07Rachel Cruze?

  Shoot.

• 9:07George Kamel?

  Can you Google it?

• 9:08Rachel Cruze?

  You walk in, yeah, but I could.

• 9:10George Kamel?

  I know Epcot was like all the way around that little pond they have there. We had to go pretty far. It was a good hike.

• 9:16Rachel Cruze?

  Okay, so you're on the other side. Was it next to a country or in a country?

• 9:20George Kamel?

  No, it was all the way from the entrance. Like if you go basically a half circle away.

• 9:24Rachel Cruze?

  I know, George, but there's countries all, like, did you like walk into China?

• 9:28George Kamel?

  In between Germany and China. No, I have no idea.

• 9:30Rachel Cruze?

  You don't know, golly.

• 9:31George Kamel?

  It didn't feel near a country, if that makes sense.

• 9:35Rachel Cruze?

  That, eh, okay, okay. Hold on.

• 9:38George Kamel?

  It was a whirlwind. I was booking it.

• 9:40Rachel Cruze?

  Okay, so give me, what happened? You walk in, what do you have to show?

• 9:43George Kamel?

  It's kind of an unmarked building slash door. And all you see is a little 33 logo.

• 9:49Rachel Cruze?

  Oh, it's in the American Adventure Pavilion.

• 9:50George Kamel?

  Thank you. I didn't guess America.

• 9:53Rachel Cruze?

  Okay, I know. Okay, keep going. Okay, go.

• 9:57George Kamel?

  So anyways, you, basically, it's just a, it's just a little circle next to a door. It says 33 on it. And so you wouldn't really know what that is unless you knew. And so the person I was with had a little, they just scanned with their phone and it lit up green.

• 10:09Rachel Cruze?

  Oh.

• 10:10George Kamel?

  And all of a sudden, the door unlocks and you can go in the door and then someone greets you and takes you in.

• 10:17Rachel Cruze?

  Okay, and then you go sit at a table?

• 10:19George Kamel?

  Yeah, so though, it's kind of like a, like a little lounge restaurant. And so you'll just, you know, you'll get seated and they have servers that will come up and ask you what you want. And they have custom drinks, mocktails, cocktails, food.

• 10:30Rachel Cruze?

  Free.

• 10:31George Kamel?

  Uh, it's not free. You pay for everything. You pay for the pleasure.

• 10:34Rachel Cruze?

  You're paying for each drink?

• 10:35George Kamel?

  It's like a country club.

• 10:37Rachel Cruze?

  Oh my gosh.

• 10:38George Kamel?

  The key is what makes it, it's exclusive. So there's like three people in there.

• 10:42Rachel Cruze?

  Yeah.

• 10:42George Kamel?

  I mean, it was like a ghost town. So you have it all to yourself, essentially. You're not waiting in line.

• 10:46Rachel Cruze?

  You can't take in your whole family, right? Like if you are a member, don't you get like one guest or something?

• 10:49George Kamel?

  I believe you get one guest you can take in with you.

• 10:51Rachel Cruze?

  Yeah, so if you like had your, like if you had a family of five.

• 10:53George Kamel?

  Kick rocks and pound sand. One person's coming in. I think. Don't quote me on this.

• 10:57Rachel Cruze?

  Okay, okay.

• 10:58George Kamel?

  The Disney people are gonna come after me because I don't know all the rules.

• 11:00Rachel Cruze?

  Okay, are you ready for this? So the annual dues every year, $31,500 is how much you pay for it.

• 11:09George Kamel?

  That's hefty. That's just annual dues. That's not even initiation.

• 11:12Rachel Cruze?

  Yeah.

• 11:13George Kamel?

  And you have to, this is the craziest part. I think there's only like a thousand members total.

• 11:17Rachel Cruze?

  And I think you can't, yeah, and it's something like your spouse doesn't get it if you don't, like it's like one of these things like you can't.

• 11:22George Kamel?

  It's not like transferable.

• 11:23Rachel Cruze?

  Yeah, you can't like pass it down.

• 11:24George Kamel?

  Well, it's really hard just to become a member. You have to become a member through a referral, an application process. So you can't just apply and get in even if you have the means to pay for it.

• 11:33Rachel Cruze?

  Crazy.

• 11:33George Kamel?

  So it's really exclusive and uh.

• 11:36Rachel Cruze?

  And I guess, and it would be so helpful if you were someone that goes a lot. And you've lived down there probably, right? Like.

• 11:42George Kamel?

  You'd, you'd wanna make it worth your while, for sure.

• 11:44Rachel Cruze?

  Yeah, yeah, yeah, yeah. Man, what a life.

• 11:47George Kamel?

  It was incredible. So it was one of those like once in a lifetime. I was so grateful going like, I will never have this experience again.

• 11:53Rachel Cruze?

  Yeah.

• 11:54George Kamel?

  So next time I'm here, waiting in line.

• 11:57Rachel Cruze?

  Just like the peasants.

• 11:58George Kamel?

  Yeah.

• 11:58Rachel Cruze?

  Yeah, just like us normal people.

• 11:59George Kamel?

  Forty-eighth in line to get my food from this, a sad cafeteria. I'm going, remember that time? Drinking a margarita?

• 12:06Rachel Cruze?

  Hey, they have sit-down restaurants. They've got a great Mexican one in Mexico.

• 12:11George Kamel?

  Oh.

• 12:11Rachel Cruze?

  Delicious.

• 12:12George Kamel?

  At Disney?

• 12:13Rachel Cruze?

  Uh huh.

• 12:14George Kamel?

  Wow, I didn't know that.

• 12:15Rachel Cruze?

  Yeah, it's like out by the pond too, like a good like patio area.

• 12:19George Kamel?

  That's beautiful.

• 12:20Rachel Cruze?

  It's wonderful.

• 12:21George Kamel?

  I will tell you, I had a pot roast grilled cheese sandwich that it changed my life.

• 12:25Rachel Cruze?

  Yum.

• 12:25George Kamel?

  The food was really good. So I don't know, I'm sure all the food at Disney is good.

• 12:28Rachel Cruze?

  I'm sure it's up to consider, yeah, but it is.

• 12:29George Kamel?

  But it was real good.

• 12:31Rachel Cruze?

  So wonderful.

• 12:31George Kamel?

  And really cool. Each one has its own vibe based on the park and there's like memorabilia and custom merch that you can only get in that. So it's, it's a really cool experience.

• 12:39Rachel Cruze?

  I wonder why the name is Club Thirty-Three. Do you know that?

• 12:42George Kamel?

  I Googled it and I already forget.

• 12:44Rachel Cruze?

  Okay. I bet Walt was thirty-three years old.

• 12:48George Kamel?

  Don't think that's true. That's Jesus you're thinking of. Thinking of Jesus, as she always does. People are.

• 12:58George Kamel?

  Got it.

• 12:58Rachel Cruze?

  The original address of Disneyland was thirty-three.

• 13:01George Kamel?

  I remember. Okay, here's what I remember.

• 13:03Rachel Cruze?

  Okay.

• 13:03George Kamel?

  I asked the server at the first Club Thirty-Three and she said, no one truly knows. But here's a few kind of legend and lore around it. And that was one of them.

• 13:13Rachel Cruze?

  Okay.

• 13:13George Kamel?

  There was maybe two other things it could be.

• 13:15Rachel Cruze?

  Yes.

• 13:15George Kamel?

  Which makes it even more mysterious.

• 13:17Rachel Cruze?

  I know, I love it.

• 13:18George Kamel?

  No one knows.

• 13:18Rachel Cruze?

  Love it. Oh, my gosh.

• 13:20George Kamel?

  Okay, one thing I that I told you about, the audience does not know about. So our connection there knows Smart Money Happy Hour. They watch the show.

• 13:29Rachel Cruze?

  Yes.

• 13:29George Kamel?

  And there was an episode where you were talking about your Disney experience and I was saying, hey, do people notice you and stop you? Like, yeah, occasionally people would come up. And I said, for me to get noticed at Disney, I'd have to wear a shirt that said, I know Rachel Cruz.

• 13:41Rachel Cruze?

  Oh, is that where it came from?

• 13:42George Kamel?

  So when I got to Disney, he said, hey, I got something for you. And it was a shirt that said, I know Rachel Cruz. And I wore it through the park as a social experiment.

• 13:52Rachel Cruze?

  George.

• 13:52George Kamel?

  And here's the funniest part. Every person that came up to me, I went, you know Rachel? They went, no, who's that? They're like, I know you from like the Ramsey stuff. I went, oh, you don't know Rachel? They're like, no. Even Minnie Mouse in the photo op was like, who's Rachel? I said, you need to Google Rachel. You'd love Rachel. I don't know why I was like talking you up to Minnie Mouse as if she was gonna Google you later.

• 14:15Rachel Cruze?

  And I don't think she can talk. I don't think they talk.

• 14:18George Kamel?

  No, but I knew in her.

• 14:19Rachel Cruze?

  Just pointing.

• 14:20George Kamel?

  I knew she was gonna Google it later.

• 14:22Rachel Cruze?

  She would.

• 14:22George Kamel?

  I planted a seed.

• 14:23Rachel Cruze?

  Yes, whoever that girl was in that costume, yes.

• 14:26George Kamel?

  Well, I kind of mentioned, I was like, you don't really need her stuff because you got Mickey. You know, you're good. They're set. They're, you know what I mean?

• 14:34Rachel Cruze?

  You're a mouse.

• 14:35George Kamel?

  They're a power couple. They don't need budgeting tips. Okay? They need like generational wealth transfer tips.

• 14:40Rachel Cruze?

  Yeah.

• 14:41George Kamel?

  So I just, I got so excited.

• 14:42Rachel Cruze?

  They're doing well.

• 14:43George Kamel?

  Anyways, it was a hilarious social experiment.

• 14:45Rachel Cruze?

  Oh, my gosh. So good.

• 14:46George Kamel?

  But not to knock you a peg, but.

• 14:48Rachel Cruze?

  No, they didn't know.

• 14:49George Kamel?

  They didn't know you from Adam.

• 14:51Rachel Cruze?

  And they knew you, George. They ran up and thought, there is George Campbell. My life is made.

• 14:55George Kamel?

  And I gotta say, the reason I got to have this experience was because of a connection at Fairwin's Credit Union, which is based in Orlando.

• 15:01Rachel Cruze?

  Yes.

• 15:02George Kamel?

  So there, I'm forever grateful for the kindness of that team and we've got to hang out with them. And they're the real deal and they're huge fans of the Ramsey principles.

• 15:10Rachel Cruze?

  Yes, which is why we recommend people banking with them, honestly, you guys, because they are a bank, a credit union, that is gonna be for you and your financial goals. So many, gosh, so many banks, their whole goal is to like get you in debt and charge you high interest and make money off of you. I mean, that's how they make money. Where Fairwin's is here to help you and the fact that they. Want to, yeah, pair with Ramsey and say, hey, let's work together and collab and make an entire banking experience amazing and seamless. The fact that they can do it and deliver is incredible. So their smart bundle, which is their smart banking checking account, no fee checking account, you get the beware debit card and then the high yield savings account along with it. You guys, it is, it is amazing. We've signed up, we're doing it. I

• 15:52Rachel Cruze?

  love it. I love my debit card, my beware debit card. And yeah, not only are they amazing, but the product is.

• 15:59George Kamel?

  So check it out. You can go to fairwins.org/Ramsey to sign up for that smart bundle and get that debit card along with it. You'll be glad you did. All right, Rachel, I want to get into some tea around this club 33. I saw this California couple sued to regain entry into club 33 after being kicked out and they lost.

• 16:18Rachel Cruze?

  Stop it.

• 16:19George Kamel?

  Because nobody wins against Disney.

• 16:21Rachel Cruze?

  Why were they kicked out?

• 16:22George Kamel?

  Okay, I'm gonna name drop Scott and Diana Anderson. Don't know who they are, but it says here, so I mean, it's public knowledge. They visited the Anaheim parks 60 to 80 times a year.

• 16:33Rachel Cruze?

  Holy, that's multiple times a week.

• 16:37George Kamel?

  Yeah, that's pretty wild.

• 16:40Rachel Cruze?

  How did they get kicked out?

• 16:41George Kamel?

  Well, they often brought friends and colleagues, the center of their social life at club 33. This is like where they hung out. And per year, they spent nearly

• 16:49Rachel Cruze?

  This is their identity, I'm probably gonna say.

• 16:51George Kamel?

  Yeah, per year, they spent nearly 125 grand on a club dues and travel expenses for all these trips. And here's where it gets scandalous. Scott was publicly intoxicated on property, and they were permanently kicked out. So don't make a fool of yourself at club 33. They have standards and class over there.

• 17:08Rachel Cruze?

  No tolerance, huh?

• 17:10George Kamel?

  He must have been like wild and out. Yeah. So Diana had briefly been suspended the year before for explicit language.

• 17:17Rachel Cruze?

  Oh no, Scott, Diane, are you okay?

• 17:19George Kamel?

  Family friendly park.

• 17:20Rachel Cruze?

  Wellness check on them. Y'all fine?

• 17:22George Kamel?

  A California judge denied the request for reentry and financial compensation. The lawsuit cost them $400,000.

• 17:30George Kamel?

  And Diana has said she would sell a kidney to keep fighting.

• 17:35George Kamel?

  She's just not that into you Diana, alright. Club 33 said no.

• 17:39Rachel Cruze?

  Oh my god.

• 17:41George Kamel?

  Is there anything you love that much that you would spend half a million to fight?

• 17:44Rachel Cruze?

  No. And then, you know what, I'd be so self-conscious if you got back in. Everyone working there is gonna be thinking. Yeah, they're not gonna probably like be very warm to you, you know what I mean?

• 17:55George Kamel?

  They probably have your faces on the back of house going, hey, if they come in, be careful.

• 17:58Rachel Cruze?

  Yeah, good luck.

• 17:59George Kamel?

  Diana's got a mouth on her and Scott likes to tip it back. You just know, if I worked there, I'd be like, oh shoot guys, we got an S and D situation.

• 18:09Rachel Cruze?

  It's S and D, round in the corner, enter in Club 33.

• 18:14George Kamel?

  But I get it, they put, they poured so much money into this place, but they, they, you know, violated the rules.

• 18:20Rachel Cruze?

  Yeah, I mean, you know.

• 18:21George Kamel?

  I'm sure there's fine print. Disney lawyers are not fooling around.

• 18:24Rachel Cruze?

  Oh god, no.

• 18:24George Kamel?

  I'm sure they had to sign something.

• 18:26Rachel Cruze?

  A billion, I mean, there is a part of you that's like, alright Diane, off your high horse a little bit.

• 18:30George Kamel?

  Diana.

• 18:31Rachel Cruze?

  Sorry.

• 18:31George Kamel?

  A Diane would never. Diane, pure class. A Diana, who knows? That A changes everything.

• 18:39Rachel Cruze?

  Shifts the whole thing. Oh my gosh, yeah.

• 18:41George Kamel?

  Disney lawsuits aside, it is wild how many families go into debt for a Disney trip.

• 18:46Rachel Cruze?

  Yes.

• 18:46George Kamel?

  And I recently went to Orlando and interviewed people about this. In fact, it was right before my Disney trip.

• 18:53Rachel Cruze?

  Yes, and actually this was great, and it did really well, George. I think it picked up a lot of steam on the internet.

• 18:57George Kamel?

  Yeah, it's like our, one of our top episodes on my YouTube channel by far.

• 19:01Rachel Cruze?

  Yes, because if you are a Ramsey person, I mean, I did this when I was at Disney, you do kinda look around and you're like, like we know inflation, people aren't able to afford homes, like it's just, life is like really expensive. The job market's not great, right? Like even people trying to find a job, like it's just, it's just a hard time economically. And then you're at Disney World and it's so expensive and you're thinking, how do all these people afford this? Like, how do people afford this? Like, this many people, right?

• 19:28George Kamel?

  Spoiler, they don't.

• 19:29Rachel Cruze?

  I know, then you watch George's segments.

• 19:32George Kamel?

  So I thought we'd watch a few clips. Would you mind?

• 19:34Rachel Cruze?

  Yeah, I wanna see it.

• 19:34George Kamel?

  I wanna see your reaction. You know what I realized after the fact, and I felt bad, the comment section was like, this guy's just out here ruining people's Disney trips, making them feel guilty. I was like, oh, I didn't, I didn't mean to do that.

• 19:45Rachel Cruze?

  Think about their credit card debt.

• 19:47George Kamel?

  I'm just doing my job.

• 19:48Rachel Cruze?

  This is just what I do for a living.

• 19:50George Kamel?

  Alright, here we go.

• 19:50Rachel Cruze?

  Okay.

• 19:52George Kamel?

  Are you guys in any kind of debt right now?

• 19:53Speaker 02

  Mine's pretty minimal, I think. Credit card and a vehicle. Between the two, probably about 60.

• 20:00George Kamel?

  And that's minimal to you?

• 20:01Speaker 02

  No, it's a lot. That's a lot.

• 20:03George Kamel?

  He said it's pretty minimal. I went, I don't know where this guy, what kind of neighborhood this guy comes from. That's a lot of debt.

• 20:08Speaker 02

  Maybe minimal, meaning like, it's not super spread out, but just a lot in a few places.

• 20:13George Kamel?

  It could be worse. A buddy of mine has got a bigger truck than I do, so.

• 20:18Speaker 02

  Right, pretty much.

• 20:19George Kamel?

  Okay, how about you? How much debt do you have?

• 20:21Speaker 03

  Probably 75,000.

• 20:22George Kamel?

  Oh, that's why he said it's minimal. He's like, compared to her.

• 20:24Speaker 03

  Compared to me, yeah. He's, yeah.

• 20:26Rachel Cruze?

  Are they married?

• 20:26George Kamel?

  What's the 75 grand? Break that down.

• 20:28Speaker 03

  Credit cards, and then a car loan as well.

• 20:31George Kamel?

  What's your car loan?

• 20:31Speaker 03

  Student loans, yeah. What is my debt on my car? Like 60?

• 20:35George Kamel?

  60? What are you driving?

• 20:37Speaker 03

  Well, terrible.

• 20:38George Kamel?

  You rolled over negative equity, didn't you?

• 20:40Speaker 03

  Yes, I did, yes.

• 20:42Rachel Cruze?

  I mean, what, almost 140,000 dollars in consumer debt between the two of them?

• 20:46George Kamel?

  That was a wild one. And they were really sweet, and I talked to them for a while after and got them some resources, so I'm not there to just razz people.

• 20:53Rachel Cruze?

  Were they looking to change, though, you think? Or were they?

• 20:55George Kamel?

  They definitely, they were like, we know. This was almost like a last hurrah.

• 21:00Rachel Cruze?

  Oh, no.

• 21:01George Kamel?

  It's almost like, hey, we know we're screwed. Let's just do one more wild thing, and then we'll get at it.

• 21:06Rachel Cruze?

  Then we'll deal with it.

• 21:07George Kamel?

  So, God bless them.

• 21:08Rachel Cruze?

  Did they know who you were?

• 21:10George Kamel?

  Uh, they actually follow some of the Ramsey stuff. I think they just kind of started getting into it, realizing, hey, there's a major problem here.

• 21:16Rachel Cruze?

  Yes.

• 21:17George Kamel?

  And so they were really nice, so we talked for a while. They've seen the show and all of that. So it was very kind of them, but they were the, the couple that was like roasted in this episode. Like, people in the comments going like, oh my gosh, what are they thinking? You know what I mean? Because they're, I asked them, hey, how much are you spending? And it turned out to be about a thousand bucks a day, and they were there for like a week. So this was a, you know, 5,000 dollar trip.

• 21:37Rachel Cruze?

  So, yeah, yeah, yeah.

• 21:38George Kamel?

  Not cheap. So there's one. Shall we continue?

• 21:41Rachel Cruze?

  Yes.

• 21:42George Kamel?

  How much debt do you have right now? Lime, do you owe anybody anything? Any kind of loans?

• 21:46Speaker 02

  I don't.

• 21:47Speaker 04

  Right now.

• 21:47George Kamel?

  No credit card debt?

• 21:48Speaker 04

  No.

• 21:49George Kamel?

  How'd you pay for the trip? Just cash?

• 21:50Speaker 04

  Cash. Been saving for a while. So I did have a credit card, but I paid it off. So I might get a new one soon. Just to-

• 21:56George Kamel?

  Why do you need a new one?

• 21:57Speaker 04

  Just to keep working on my credit.

• 21:59George Kamel?

  What do you need the credit score for at this point?

• 22:01Speaker 04

  I just got a car, but I want to get a house soon.

• 22:04George Kamel?

  But you paid cash for the car?

• 22:05Speaker 04

  No, I'm paying, I'm paying monthly.

• 22:08George Kamel?

  You just told me you didn't have any debt.

• 22:10Speaker 04

  You're right, you're right, you're right. I do.

• 22:11George Kamel?

  Is everybody lying to me out here? Come on, I thought we were friends.

• 22:14Speaker 04

  I got a car.

• 22:15George Kamel?

  That was-

• 22:15Rachel Cruze?

  Okay, that's classic.

• 22:16George Kamel?

  I always liked that guy.

• 22:17Rachel Cruze?

  That's classic, though, of like, are you debt free?

• 22:19George Kamel?

  Yes. And I explicitly, do you owe anybody anything? No.

• 22:23Rachel Cruze?

  No. I'm good. And they're like, oh yeah, I do have a car loan. You're like, people are so desensitized by debt that it's so normal. And it flows just like here and there. And it's just, like, they don't even pick it up on their radar when you ask them that.

• 22:35George Kamel?

  The best part, not best, but the most hilarious part was, I was like, hey, do you know how much you're paying in interest? And he's like, how long the term is for? And he went, no. Why? He said, well, I was high when I-

• 22:46Rachel Cruze?

  Oh no!

• 22:47George Kamel?

  Went to get the car.

• 22:48Rachel Cruze?

  Stop it!

• 22:48George Kamel?

  I was like, oh, bro, maybe we shouldn't be under the influence when we make big financial decisions, huh?

• 22:53Rachel Cruze?

  Oh, no.

• 22:54George Kamel?

  But he was really fun to talk to. I liked him as a person.

• 22:56Rachel Cruze?

  Yeah, he's a cool guy. Yeah, yeah, yeah. You got one more?

• 22:59George Kamel?

  Yeah, I got one more. More where that came from. Last one. Here we go.

• 23:02Rachel Cruze?

  It's good.

• 23:03George Kamel?

  What does a trip to Disney cost in 2025? I have no idea.

• 23:06Speaker 05

  This is our first time here and we decided if we were gonna do it, we were gonna do it right. We wanted just-

• 23:11George Kamel?

  Lightning Lane, everything?

• 23:12Speaker 05

  Lightning Lanes, hotel. We've been married for 10 years, though, and this is our-

• 23:16George Kamel?

  Fun.

• 23:17Speaker 05

  Big vacation in 10 years. So it's probably gonna cost us around $8,000, I would say.

• 23:23George Kamel?

  How many days at the parks is that?

• 23:24Speaker 05

  Uh, that's eight days at the park.

• 23:26George Kamel?

  Eight days at the parks. So about a thousand bucks a day all in. How old's your daughter?

• 23:30Speaker 05

  Eight.

• 23:30George Kamel?

  Okay, that's a great eight. And did you pay cash?

• 23:33Speaker 05

  Yeah, we just paid cash for our trip, um, and made sure it wasn't gonna affect anything. We work really hard. I mean, we're blessed. We have great jobs. We have parents that taught us finances. But it did take us a couple of years to save and do it right, so.

• 23:46George Kamel?

  I'm so proud of you guys. Do you think it means more once you save up? And pay cash for a trip versus just swiping the card?

• 23:52Speaker 05

  Absolutely. When you have a goal and you and your spouse are both working towards it. And two, you come in, there's no stress. And so there's no like, how are we going to pay for this? Or how is it going to affect us when we get back? We just knew like we could do it and it fit our budget.

• 24:07Rachel Cruze?

  George, what a hero. Look at her.

• 24:09George Kamel?

  I needed to win that day because it was pouring rain. I'm out there with umbrellas trying to convince people in lines to talk to me. And so she gave me some hope.

• 24:16Rachel Cruze?

  Oh, my gosh.

• 24:17George Kamel?

  That there are, it's not, not everyone there is in crippling debt.

• 24:20Rachel Cruze?

  No.

• 24:21George Kamel?

  Some people paid cash and they're having the time of their life and I'm happy for them.

• 24:24Rachel Cruze?

  Took a few years to save for it.

• 24:25George Kamel?

  And people go, oh, my gosh, $8,000. I would never. Well, good for you. Some people want to live their life and they saved up and they put their money where it matters to them.

• 24:33Rachel Cruze?

  Moral, yeah, the moral spending. Listen, do it where you like it, you know? Oh, man, that is, that is good, George. That is really good.

• 24:41George Kamel?

  And you know what? We'll link the full episode in the description. Because I know people are going to want to watch the whole thing. It was a good time.

• 24:48Rachel Cruze?

  Yep. Well, I know next time I go to Disney, I want to be comfortable.

• 24:53George Kamel?

  That is paramount.

• 24:54Rachel Cruze?

  And be cozy. And so I probably would go to cozylearth.com, shop around.

• 24:59George Kamel?

  A little pre Disney shopping.

• 25:01Rachel Cruze?

  Yes, I know. Because Cozy Earth has the most amazing clothes, you guys. Sweatshirts, the pants, the socks, the shirt, I mean, everything.

• 25:08George Kamel?

  And it's like temperature regulating and moisture wicking, all of the good things.

• 25:12Rachel Cruze?

  The material is incredible. I love that. Love a Cozy Earth blanket. Give me like a big, that, that cuddle blanket, the heavy, the weighted one. Amazing. Uh, the sheets, I love. You know what? They have like a, a beauty section too. And I got like a face mask.

• 25:28George Kamel?

  I need to look into that.

• 25:29Rachel Cruze?

  Love it. Amazing. So, yeah, there's like, um, there's some great stuff on cozylearth.com. Yeah. So if you want some quality products, you guys, it's going to last you. Check it out.

• 25:39George Kamel?

  Absolutely. Go to cozylearth.com/smartmoney and use our code SMARTMONEY. You'll get 20% off or just use the link in the description. And if they ask you in the post purchase survey, where'd you hear about us? Let them know it was from Smart Money Happy Hour. That would mean the world to us.

• 25:53Rachel Cruze?

  Yes. You would love their stuff. Love it, love it. I think there is a Disney. Comparison culture out there. I think there's some pressure that families feel of like, oh gosh, we gotta do Disney. If we don't do Disney, fill in the blank. And yeah, number one, I would not put that pressure on you by any means. And any trip you do, any magical moment in life, right? Just like that lady was saying, is to save up and pay for it. Because I think that is some of the worst vacations you can go on are the ones that you get home and you get the credit

• 26:29George Kamel?

  card bill. And they fall you home with a payment.

• 26:30Rachel Cruze?

  And you have it for months, you know, to pay it off. Some people, years. So there's something really empowering about saving up and paying for things, even if it's Disney, right? But don't let the motivation to go to Disney be because you feel like it's gonna like, do something for your kids long-term of like, oh my gosh, finally, they're gonna be happy, or whatever, right? And I know you probably don't believe that. Like, I think as adults, we know this.

• 26:50George Kamel?

  Your kids are not going, well, they're bad parents because they're not taking me to Disney this year.

• 26:53Rachel Cruze?

  Right, yes. But it feels like, you know, a lot of people go.

• 26:55George Kamel?

  They feel the pressure.

• 26:56Rachel Cruze?

  It's so common. Yes. So I'd say relieve that pressure. And that's with anything in life and parenting with kids. But especially the Disney thing, for some reason, that is like a monumental, big hill to climb. And for some people, it may not be the reality, right? And that's okay. It's totally fine.

• 27:10George Kamel?

  Yeah. And for the Disney haters out there, I will say, I've changed my tune on this. I used to think, wow, what a waste of money. And now I go, you know what? This is how people want to spend their money on an amazing experience with people they love? That is actually one of the best ways scientifically to spend your money. So as long as you're saving up, doing it with cash.

• 27:28Rachel Cruze?

  Yep.

• 27:29George Kamel?

  You know, you can still find ways to save. You can do a Disney trip that is, you know, on this side of the spectrum, or you could go all out and spend this much. And so there's different strokes for everyone. And so do what's in your budget. And if you can't afford the fancy Lightning Lane or Club 33, there's always an experience that's upper tier that you can't afford. So don't feel bad about that.

• 27:48Rachel Cruze?

  Hundred percent.

• 27:48George Kamel?

  If you need to stay off property, you need to go for one or two days instead of five, that's okay.

• 27:53Rachel Cruze?

  Yes, absolutely. Yeah, the thing is, yeah, it can be tailored to a lot of different budgets, which is great, to your point. You can kind of pick and choose.

• 27:59George Kamel?

  And if the kids are young, you can take them to Disney Springs. They won't know the difference. That's my life hack for you.

• 28:04Rachel Cruze?

  No, I'll be the same. We do have seven rapid fire budget hacks, though, as you're planning your next Disney trip. We have some people here at Ramsey Solutions that are Disney fans. We'll say that much.

• 28:15George Kamel?

  We asked, hey, you guys got any hacks? They went, oh, how much time do you have?

• 28:18Rachel Cruze?

  They have it. So I'll go, number one. Use a Disney travel agent to help plan your trip and find deals for free. This is what these people do for a living, some of them, and they are good at it. You don't have to pay extra and they're amazing, so take advantage of it.

• 28:32George Kamel?

  Yep. Next one, cheapest time to book weekdays in November or February. That's the off season and so, you know, you don't want to go during the peak season and expect to get decent tickets. So if you want to save some money, weekdays in those months.

• 28:45Rachel Cruze?

  For sure. Character breakfasts feel special and exclusive, but only costs about $10 to $20 a person.

• 28:53George Kamel?

  That's not bad.

• 28:53Rachel Cruze?

  So the breakfast is actually one of the cheaper meals you can do for a character meal, so breakfast it is.

• 28:58George Kamel?

  Versus a lunch or dinner?

• 28:59Rachel Cruze?

  That's right.

• 28:59George Kamel?

  Is that the idea? Okay. How about this one? Fort Wilderness Campsites are a cheap onsite option when split by group or family.

• 29:06Rachel Cruze?

  Yes.

• 29:06George Kamel?

  And it feels rustic. How exciting is that?

• 29:08Rachel Cruze?

  So fun. Ask photo past photographers or fellow guests to take your pictures with your phone instead of buying the fancy photo packages. So you will on the app when you go on the rides or like you get pictures with the character.

• 29:22George Kamel?

  Which is really cool technology.

• 29:22Rachel Cruze?

  They like, yeah, they scan it and they like, and it shows up in your app. So it is great, but also have that camera out. You know, you're a photographer. You don't have to buy the fancy pictures.

• 29:32George Kamel?

  That's a good, good hack right there. And then next, this one might seem obvious, but you can pack your own snacks. Bring your own water bottles. Get Disney toys from Amazon or Walmart before you go to avoid markups in the souvenir shops onsite. You don't have to let your kid wander through the shop there to get 17 things that they absolutely need.

• 29:51Rachel Cruze?

  I know. Yeah, and it's so expensive. I've done that one or two times on a trip where I've let them like, I usually am like, no, no, no. And I was with a friend actually, and she's like a yes mom. So she was like, get the bubble wand, get the, all this. And I was like, kids, you get to pick out one thing.

• 30:06George Kamel?

  Do they still have it or use it?

• 30:08Rachel Cruze?

  The Moana doll they have, yeah, and the Moana pit, yes, I think they do actually, yeah. It's just a round.

• 30:16George Kamel?

  Now they're doing girl math going, mom, I use it every day and so since the trip, I actually made money.

• 30:20Rachel Cruze?

  So listen, it's actually free. It's actually free. All right, last but not least, make sure you budget for your trip in advance. We kind of mentioned this earlier, but for real, like, no, okay, ideally like here's probably what we're going to spend on food. The cost of tickets, hotel, like plan it out. And sometimes when you're booking it, remember that some things are going to be caught. You're going to have to pay for things in advance, right? Whether it's like the hotel, sometimes they make you put like a down payment kind of, you know, situation to hold the reservation, the meal package, the meal plan, sometimes you have to pay for it with the tickets in advance. So like your costs probably will be spread out before you actually get to the parks. But just plan it all out and you can. And the Disney Planner can help you too, if you are using that. But also EveryDollar is a great budgeting app and

• 31:03Rachel Cruze?

  you can actually plan it month to month with your expenses, whether it's any trip, right? Not just Disney.

• 31:08George Kamel?

  Yeah, you can mark it as a fund, which is really nice. And so you can just set it up to go, hey, my goal, $4,000. I'm going to put 400 bucks away for the next 10 months. And then you have the money. You've pre-planned for it instead of going like, ah, how do I save up for this? Yes, it's going to take time. And the more you can save, the faster you'll get there. But if you can only put away 200 bucks a month, well, that just tells you the timeline needed to make this trip happen with cash and it's worth it.

• 31:31Rachel Cruze?

  And one of the line items in my EveryDollar budget is for DeleteMe because a plan, and it actually comes out to like nine bucks a month when you use our code because it's not that expensive. But DeleteMe is a great service to have in 2026, you guys, because they go in and remove your information from data broker websites because these data brokers collect your data. And it's everything from your name, your kids' names, phone numbers, your address, your old addresses. Like, it's just crazy what they have, the information. And they go in and clean off those websites with your information, which is great because when spammers and scammers and stuff try to get people's information to spam them or scam them, they go to these sites sometimes. So if your name's not on these sites, it's going to be harder for you to be found, which is what we like.

• 32:14George Kamel?

  Yeah, it helps reduce the risk and protect your privacy online. And our whole life is online these days. So this is a plan that is well worth having. And to make it easier for you, we got a great discount for you. Just go to joindelete.me/smartmoney and you'll get 20% off any of their plans, or you can always click the link in the description below.

• 32:32Rachel Cruze?

  All right, before we spill the tea on our guilty as charged segments, uh, let's talk about our mocktail margarita because it was so good. It was so good.

• 32:40George Kamel?

  Oh, man. Okay, this was the pineapple, blueberry margarita mocktail. It's got lime juice, pineapple juice, blueberry syrup, homemade.

• 32:49George Kamel?

  I will add, in sparkling water.

• 32:51Rachel Cruze?

  I love a salted rim.

• 32:52George Kamel?

  And it comes out with the salted rim, if you want to be fancy, in a beautiful glass, with the pineapple wedge garnish, the blueberry garnish.

• 32:59Rachel Cruze?

  I mean, that's someone that you work with that loves you.

• 33:03George Kamel?

  11 out of 10 for presentation, and it's $1.58, which is actually very affordable, considering you've got real fruit juices in here. And I will say, this is a 10 out of 10 for me. I don't know that I've had a better mocktail on this show. In real life, maybe, but on the show...

• 33:19Rachel Cruze?

  Can I tell you, it tastes like a margarita. Like, do you know what I mean?

• 33:23George Kamel?

  Yeah, what's causing that?

• 33:24Rachel Cruze?

  You also, you know, you don't have like, the tequila hit, but like, there's something to it, I don't know if it's the salt or what, but I'm like, if you're eating this with chips and salsa...

• 33:30George Kamel?

  Yeah.

• 33:31Rachel Cruze?

  You don't know.

• 33:32George Kamel?

  I think it's the lime and pineapple, because most cocktails, they've got some acid and some sweet, and so you really have it all working for you in this drink. The only downside is this tiny straw, which keeps falling into the drink. It's so little. It's like, it's like half the length of a normal straw. But I think, presentation-wise, it really helps.

• 33:51Rachel Cruze?

  It is, it's beautiful.

• 33:52George Kamel?

  But it's a 10 out of 10 for me.

• 33:53Rachel Cruze?

  I'm with you.

• 33:54George Kamel?

  Slam dunk, home run, goal.

• 33:57Rachel Cruze?

  Yeah, but I think she made blueberry syrup, producer Kelly.

• 34:01George Kamel?

  Shout out. She did the most, and it worked out. So get the recipe in the show notes. Give it a try this weekend, if you're up for making your own blueberry syrup.

• 34:10Rachel Cruze?

  All right, now it's time for Guilty as Charged. And this is where we ask each other a guilty as charged question every week, and if we're guilty, we take a sip. Okay, so George, you hated on Disney, and then you came to your senses and said, actually, it's great. So, the question is, have you ever become a fan of something that you used to be a hater about?

• 34:30George Kamel?

  Oh.

• 34:31Rachel Cruze?

  You can't use Disney, you gotta do something else.

• 34:34George Kamel?

  Okay. I'm gonna let you go first.

• 34:37Rachel Cruze?

  I'm go- okay, I did. I love to read. I'm a reader. Leaders are readers.

• 34:46George Kamel?

  Let's be clear, the type of books you're reading.

• 34:50George Kamel?

  They're not like biographies of presidents.

• 34:54Rachel Cruze?

  Hey, I read Spare. That was.

• 34:58George Kamel?

  That is as close as you'll get to a historical.

• 35:01Rachel Cruze?

  Documentary.

• 35:02George Kamel?

  Novel, okay.

• 35:03Rachel Cruze?

  Documentary, his biography.

• 35:05George Kamel?

  I read the documentary.

• 35:08Rachel Cruze?

  Autobiography.

• 35:09George Kamel?

  I read the whole Taylor Swift docu-series in one night.

• 35:13Rachel Cruze?

  Okay, okay, I used to really harp on like having a physical book that there's a art to read, there's something about reading a physical book that like you just don't get in a digital watching a screen. I was very much a hater of a Kindle. And then I was convinced to get the paper white because it looks like a sheet of paper.

• 35:31George Kamel?

  Oh, yeah.

• 35:31Rachel Cruze?

  And that Kindle, it's wonderful.

• 35:34George Kamel?

  You've got some use out of it.

• 35:35Rachel Cruze?

  I know, because I, when I travel and stuff, I would literally pack George like three books or something like I would like pack one.

• 35:42George Kamel?

  Historically, it's very light packer carry-ons.

• 35:45Rachel Cruze?

  Yeah, I'm always, I'm always packing a carry-on. Yeah, checked bag is a lost bag. Remember that, America.

• 35:49George Kamel?

  That's wisdom.

• 35:51Rachel Cruze?

  You're welcome.

• 35:52George Kamel?

  Wow.

• 35:53Rachel Cruze?

  So, yeah, it would, I would be packing books, you know, and now it's just that little Kindle. And it's great. And I swear I read faster on it. I know that sounds crazy, but I think it's something with like.

• 36:03George Kamel?

  I can actually see that.

• 36:04Rachel Cruze?

  The width of the, I don't know what it is, but I swear you can, I read faster, so.

• 36:09George Kamel?

  I believe it.

• 36:10Rachel Cruze?

  So mine's Kindle.

• 36:11George Kamel?

  Good for you. For me, I'm going Crocs.

• 36:14Rachel Cruze?

  Okay.

• 36:15George Kamel?

  Because I have to admit to the public.

• 36:17Rachel Cruze?

  Yes.

• 36:17George Kamel?

  That I now own a pair of Crocs. Now, they're not the classic Crocs because I'm still vehemently against the aesthetic of that shoe.

• 36:25Rachel Cruze?

  Okay.

• 36:25George Kamel?

  But I got a different slide, but it's the Crocs brand that I exclusively use to take my dogs outside to potty.

• 36:32Rachel Cruze?

  Okay, is it a clog?

• 36:34George Kamel?

  Um, it's more clog-like.

• 36:36Rachel Cruze?

  Okay.

• 36:37George Kamel?

  Kind of like the Nike slide looking one.

• 36:38Rachel Cruze?

  Does it feel good? You like it?

• 36:40George Kamel?

  They're comfortable.

• 36:41Rachel Cruze?

  Yeah.

• 36:41George Kamel?

  And the key is they're easy to clean because, you know, I'm in the backyard, might step in mud. Who knows what I might step in and when I do, inevitably.

• 36:49Rachel Cruze?

  Don't you have a fence?

• 36:50George Kamel?

  Yes.

• 36:51Rachel Cruze?

  Do you not just let your dogs out in the backyard?

• 36:53George Kamel?

  Well, I don't know if you know this, Rachel, my dog is handicapped. So I need to physically carry my dog right into the grass.

• 37:00Rachel Cruze?

  Did you buy Crocs when all this happened?

• 37:02George Kamel?

  Yes.

• 37:02Rachel Cruze?

  Oh, my gosh. So this was a purchase out of like a heroic means.

• 37:06George Kamel?

  Yeah, in a time of grief.

• 37:07Rachel Cruze?

  Yeah.

• 37:08George Kamel?

  I purchased Crocs, which I think is how most people purchase Crocs. No one does it like when they're peaking like I'm doing great in life. Let me buy some Crocs.

• 37:17Rachel Cruze?

  I'm gonna get some Crocs.

• 37:18George Kamel?

  But they are comfortable. I am still against Crocs in public.

• 37:22Rachel Cruze?

  Yes.

• 37:22George Kamel?

  From adults. If your kid is in Crocs in public, happy, happy for you. Totally normal.

• 37:28Rachel Cruze?

  But once you hit puberty, no more?

• 37:30George Kamel?

  Yep.

• 37:31Rachel Cruze?

  School age?

• 37:32George Kamel?

  I'm gonna say.

• 37:33Rachel Cruze?

  High school.

• 37:34George Kamel?

  I feel like high schoolers make pretty bad fashion choices. I'll let that slide.

• 37:38Rachel Cruze?

  Okay.

• 37:38George Kamel?

  I'm gonna say college and beyond.

• 37:40Rachel Cruze?

  Okay, so you're hitting that like 19 years old, you're done.

• 37:43George Kamel?

  Yeah, if you're on salary and you have Crocs out in public, I have issues. And here's the thing, we meet people that come from all over the country, visit us here, and they have Crocs. I hold my tongue. But if you have gibbets in the Crocs as an adult, I don't think we're gonna be friends. You know what I mean? I can get along with you in the time being. I'm not gonna text you to hang out.

• 38:03Rachel Cruze?

  Oh, my gosh.

• 38:04George Kamel?

  What's up with the gibbets in Crocs for adults?

• 38:06Rachel Cruze?

  I know.

• 38:07George Kamel?

  What are we doing?

• 38:08Rachel Cruze?

  I don't, yes, I don't know. Do you know Winston has Crocs?

• 38:11George Kamel?

  That makes sense, but are they the camo ones?

• 38:13Rachel Cruze?

  They are the camo, and they're like the house shoe ones. They're like, so he just wears them around the house.

• 38:18George Kamel?

  Yeah.

• 38:18Rachel Cruze?

  But there's like, like, there's like lining inside of them.

• 38:21George Kamel?

  Like a fur kind of?

• 38:23Rachel Cruze?

  Yes, from like, can't you get like an L.L. Bean house shoe, you know?

• 38:26George Kamel?

  It's not rock and roll in us.

• 38:27Rachel Cruze?

  Camo Croc. He swears by them, though.

• 38:30George Kamel?

  I wanted to give the camo Crocs, but I thought, no one's gonna believe this.

• 38:35George Kamel?

  You know what, like, it's like why I don't get tattoos. Cause I know people would just look at me and go, no. And I go, well dang it.

• 38:40Rachel Cruze?

  I don't know.

• 38:41George Kamel?

  It's permanent.

• 38:42Rachel Cruze?

  Just seeing.

• 38:43George Kamel?

  I don't buy it.

• 38:44Rachel Cruze?

  Oh, my gosh. Too good, too good. Well, make sure to DM us your guilty as charged question if you have one, cause we use them. So, thank you. Uh, you can DM me at RachelCruiser or at GeorgeCamel. And if you loved this episode, make sure to leave a review and you're gonna love our next episode, Comparing Disney Villains to Sneaky Financial Industry Traps. We will link it for you. And make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.