Reacting to the Wildest “Am I the Jerk?” Reddit Threads

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk. Next Steps: 🎥 Watch our video Things That Scream “I’m Pretending to Be Upper Class.” 🍸 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. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍸 Classic Gimlet 2 1/2 ounces gin 1/2 ounce lime juice 1/2 ounce simple syrup Instructions: Combine all ingredients in a cocktail shaker filled with ice. Shake for 10–15 seconds until well chilled. Double strain through fine mesh strainer into chilled coupe glass. Garnish with a lime wheel. 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're answering the internet's most asked money question, "Am I the problem?" Your language, though, scares me. He is literally spending my money in secret.

• 0:15Rachel Cruze?

  Wow, that's pretty terrible. Do you think? My most like, "Huh, huh," one's just like, "Dude, it's okay." It's like...

• 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.

• 0:39Rachel Cruze?

  This is the show where two friends who are happy money experts talk about what you're talking about. Everything from pop culture, current events, and money.

• 0:45George Kamel?

  And we will get to that. But first, we're sipping on a classic gimlet cocktail.

• 0:50Rachel Cruze?

  A gimlet is one of my favorites. It's one of my go-tos.

• 0:52George Kamel?

  Hard to beat. We're gonna give you the rating and reveal the cost per glass at the end of the episode, so stick around for that. All right, I know this probably isn't a key part of your algorithm. I feel like yours is mostly true crime and Real Housewives at this point. Am I close?

• 1:06Rachel Cruze?

  Actually, well done, George. Well done.

• 1:08George Kamel?

  I'm on it. But there's this other trend on social media where people are asking, "Am I the jerk?" So they're laying out their situation, going, "Am I the problem here? Am I the jerk? Am I in the wrong?" And it actually starts with an A-word that's much harsher than jerk, but this is a family show.

• 1:22Rachel Cruze?

  Oh, yes, we're interchanging the trendy word.

• 1:25George Kamel?

  And I know we got a lot of kids that enjoy this show.

• 1:27Rachel Cruze?

  Yes, and we are parents, so we appreciate not foul language.

• 1:31George Kamel?

  My daughter watches this show.

• 1:32Rachel Cruze?

  But you've had a few slip-ups, George, about maybe you being a jerk. I don't know. I heard one recently on The Ramsey Show, something about a moose.

• 1:38George Kamel?

  There was a moose.

• 1:39Rachel Cruze?

  Wes, tell me about the moose.

• 1:40George Kamel?

  There was a guy in Alaska. This guy, maybe young twenties, hit a moose with his car, totaled it, got an insurance check for $10,000.

• 1:49Rachel Cruze?

  Great.

• 1:50George Kamel?

  Well, the car... Was $6,000 and it was not paid for by him. It was paid for by his father-in-law.

• 1:56Rachel Cruze?

  Okay.

• 1:57George Kamel?

  So now he gets this check and the father-in-law is like, "Sweet, I'll take the check. I'm the one who bought the car."

• 2:03Rachel Cruze?

  Okay.

• 2:04George Kamel?

  But the car is in the kid's name.

• 2:06Rachel Cruze?

  Oh.

• 2:07George Kamel?

  But he didn't pay for the car. The father-in-law was just like, "Hey, I'll pay for the car."

• 2:10Rachel Cruze?

  That's a sticky situation.

• 2:12George Kamel?

  So what does he do with this insurance check? Is it technically his? Because it's his car, his insurance? Or does he have to give the father-in-law some or all of this money?

• 2:20Rachel Cruze?

  I kind of feel like you have to give the father-in-law some.

• 2:21George Kamel?

  So this was a weird situation where he was like, "Am I the jerk for not wanting to give my father-in-law this check?"

• 2:27Rachel Cruze?

  Oh.

• 2:28George Kamel?

  So I said, "Hey, I give the father-in-law what he paid into the car and no more."

• 2:32Rachel Cruze?

  Yeah.

• 2:32George Kamel?

  Be done with it.

• 2:33Rachel Cruze?

  Yeah, that's fair. I think that's good.

• 2:35George Kamel?

  Just not sever the relationship.

• 2:36Rachel Cruze?

  But he's asking, "Am I being a jerk for thinking about that?"

• 2:39George Kamel?

  Yeah. And so there's a lot of situations like that out there.

• 2:42Rachel Cruze?

  Yeah, and there's a lot of such, you know, a lot of situations that people are very self-aware. Because they're asking like, "Gosh, am I the bad one?" You know, in the situation.

• 2:49George Kamel?

  If you're even asking that, it tells me you're at least a little bit self-aware.

• 2:51Rachel Cruze?

  Yeah, you know, or maybe they're trying to throw out their situation to find a little sympathy out there on the internet.

• 2:56George Kamel?

  Or affirmation.

• 2:57Rachel Cruze?

  We don't know. Yeah, like, I don't know, what do you need? Because life can be sticky out there, George.

• 3:01George Kamel?

  That's true.

• 3:02Rachel Cruze?

  Tricky and sticky.

• 3:03George Kamel?

  So we agreed to bravely go to the front lines of the internet. Some would say the basement, the cesspool of the internet called Reddit.

• 3:11Rachel Cruze?

  You know what? I got on Reddit for the first time, George.

• 3:13George Kamel?

  How was that for you?

• 3:14Rachel Cruze?

  Uh, it was a little confusing. It kept wanting me to download the app.

• 3:18George Kamel?

  Well, that's what they're pushing you to.

• 3:19Rachel Cruze?

  And it kept saying, "Stay in Safari." That's what I just kept clicking. "Stay in Safari."

• 3:24George Kamel?

  Rachel's not downloading your app. Don't even dare.

• 3:26Rachel Cruze?

  No, no, no.

• 3:27George Kamel?

  Oh, well, there's a whole subreddit where people share these stories. And so people are trying to figure out if it's them. You know, "Hi, it's me, I'm the problem, it's me."

• 3:36Rachel Cruze?

  We're going to read out some problems and let's see if this person's the jerk. Are you ready?

• 3:38George Kamel?

  And I want the audience to be thinking too and see who they agree with. Is it Rachel? Is it me? Is it both?

• 3:44Rachel Cruze?

  Yeah, we'll see. Okay, so this one says, "Telling my wife's friends I make more money than her. So my wife comes from family money, I do not. Her friends and family joke that I'm a gold digger, but I work in investment banking, I pull my own weight. And at a party recently, her friend mentioned the fact that I don't come from money. And I shut it down and saying, "Yeah, I don't, but I definitely make more than she does right now. Am I the problem?"

• 4:07George Kamel?

  Oh, boy, this whole friend group feels toxic to me.

• 4:09Rachel Cruze?

  It does. It's maybe the friend group's the jerk.

• 4:12George Kamel?

  Who's having these conversations?

• 4:13Rachel Cruze?

  Who's saying this?

• 4:14George Kamel?

  Okay, so they're saying he's a gold digger because she comes from money, therefore there's probably some big inheritance or trust.

• 4:20Rachel Cruze?

  Yeah, I have my thoughts.

• 4:21George Kamel?

  And he's saying, "Am I the problem?" No, he's not the problem at all.

• 4:24Rachel Cruze?

  I'm, I think they're the jerk, but I do think his ego got in the way.

• 4:27George Kamel?

  Ooh, that's a good take.

• 4:29Rachel Cruze?

  The fact that he has to prove it, the ego is big. The ego drives a lot of our

• 4:33George Kamel?

  Yeah, his last quote.

• 4:34Rachel Cruze?

  decisions and thoughts in life.

• 4:35George Kamel?

  Well, I guess you're right, but I definitely make more than she does now.

• 4:37Rachel Cruze?

  Hold on, don't say that tone. Stop it. No, he could have been like, "Well, I guess you're right, but you know, I make more than she does now." Like, I don't know, it's a big deal.

• 4:44George Kamel?

  He's trying to defend himself.

• 4:44Rachel Cruze?

  I know, but your tone, you can't say a tone with a quote. You have no clue.

• 4:48George Kamel?

  I can do what I want. I'm a grown man.

• 4:52Rachel Cruze?

  So no, I think they're the jerk of even bringing that. Like, that's so mean and cruel.

• 4:55George Kamel?

  But he sort of took the bait.

• 4:56Rachel Cruze?

  He took the bait, and I think his ego got involved, but I do feel like he felt like he had to prove his own self, which is the ego. But I don't think he's a jerk for doing that.

• 5:03George Kamel?

  But would Winston Cruz be caught dead saying that sentence in front of your friends?

• 5:08Rachel Cruze?

  Uh, I make more than she does.

• 5:10George Kamel?

  So like, "Oh, Rachel, you know, Dave Ramsey comes from money, so therefore..." And he goes, "No, actually, I make more than she does."

• 5:16Rachel Cruze?

  No, but I think Winston would be like, "Well, I'm doing pretty good. I'm still doing pretty good myself." Like, I don't think he would say, "I'm doing better than her." I don't think he would put us in a comparative statement. And I'm not saying he would even say that, but if he went into that lane at all, it would just be like, "I have, I have worked. Like, I bring things to the marketplace and make great money too." You know, like, it would be more of that.

• 5:36George Kamel?

  More matter of fact.

• 5:37Rachel Cruze?

  I don't think he would ever say, "I make more than her." Because we've had seasons of flip-flop. Like, there's been years where he makes more than I do, some years I make more. It totally depends on work stuff. So I don't, but I don't, yeah, I don't think he'd say that. I don't know.

• 5:49George Kamel?

  I agree.

• 5:50Rachel Cruze?

  What about Whitney? Do you think he's being the jerk? You feel like, I feel like I'm more on his team than you are.

• 5:54George Kamel?

  No, I don't think he's being the jerk, but I do think like he sort of got in the mud a little bit too much. I would have just been like, "You know what? It really doesn't matter. Like, we're, this is, we're in a marriage. This is a partnership. We're doing this thing together, and who makes more is irrelevant."

• 6:07Rachel Cruze?

  Yep, it's good.

• 6:08George Kamel?

  But I probably just wouldn't get into it.

• 6:10Rachel Cruze?

  Yeah, that's fair.

• 6:10George Kamel?

  Especially with my wife's friends. I don't know, it feels like a weird thing. But you know, here's, here's the assumption.

• 6:15Rachel Cruze?

  And that's even a funny thing. My wife's friends. I feel like all of Winston's friends are my friends. I feel like my friends are his friends.

• 6:20George Kamel?

  Yeah.

• 6:21Rachel Cruze?

  I don't know, anyways.

• 6:22George Kamel?

  But here's the problem with this whole conversation.

• 6:23Rachel Cruze?

  We're splitting hairs now.

• 6:24George Kamel?

  They think if there's a breadwinner, there's gotta be a breadloser.

• 6:28Rachel Cruze?

  Wow.

• 6:28George Kamel?

  I don't think that, I think that's an insane take.

• 6:30Rachel Cruze?

  George, what a quote.

• 6:31George Kamel?

  I don't do bumper stickers. I think it's stupid to put bumper stickers on cars. Put that on a bumper sticker.

• 6:36Rachel Cruze?

  Mm-hmm, mm-hmm.

• 6:38George Kamel?

  How do you buy something for $40,000 and you're like, "Oh, we put a sticker on it." That's insane. I'm sorry. It's a crazy thing to do. I don't put a sticker on my laptop, let alone a vehicle.

• 6:47Rachel Cruze?

  No, it's so true, though. It's a great point.

• 6:50George Kamel?

  Anyway, neither here nor there. Uh, but here's the other thing. My wife stays at home now. It would be so dumb. Well, I make more than... This is an insane thing to compare.

• 6:59Rachel Cruze?

  That's a different comparison, though. A stay-at-home parent, that feels different to me.

• 7:02George Kamel?

  What if she came from money? And they go, "Well, you married her for her money."

• 7:06Rachel Cruze?

  When she was working at Ramsey, I think that's a different conversation. But if she's home, everyone knows she's not, like, making an actual monetary income.

• 7:15George Kamel?

  I just think we put too much emphasis on income, is what I'm saying.

• 7:17Rachel Cruze?

  Oh, I do. Well, me too.

• 7:18George Kamel?

  As a society.

• 7:19Rachel Cruze?

  Me too. I agree, George. I agree. Alright, that was a good one. That was a good one.

• 7:24George Kamel?

  You're not heated already. We're off to a great start. There are no winners in this game, only losers.

• 7:29Rachel Cruze?

  Okay, you go to the next one. Read the next one.

• 7:30George Kamel?

  Here's one. "Not telling my mom I married into money. Grew up with a single mom who's always battled addiction. Now married to a man with family money. We've been caring for her two-year-old daughter, my half-sister, and she's now realizing we have financial means. My husband says he's happy to start sending my mom money, but I think it's a boundary we should draw. Am I the problem?"

• 7:50Rachel Cruze?

  No. That's a hard... I mean, it's hard. Like, that's... We kind of talk about family boundaries and stuff a lot, and we kind of say it in, like, a quick way. But I mean, that, it's very difficult, right? I'm like, it would be very hard if your mom was battling addiction and in it, but yet she can't support herself, right? I mean, like, that's, that, that, it's your mom, you know? But yet, you don't want to continue to fuel something that's harming her.

• 8:17George Kamel?

  Well, it's enabling.

• 8:18Rachel Cruze?

  But yet, you want to, you do want to, like, you can, like, really leave your mom on the street, though. You know what I mean? Like, I don't know. It's hard. That's a, it's hard.

• 8:25George Kamel?

  My thing is, if you're going to...

• 8:27Rachel Cruze?

  But I think she's, I think she's okay. I do not think she's the jerk. I think there's a level of protection there. Because I do think, once you marry... Your immediate family has a level of priority, right? So protecting your husband and if they have kids, like protecting that unit is really important.

• 8:42George Kamel?

  Yeah.

• 8:43Rachel Cruze?

  So no, I don't think she's the jerk.

• 8:44George Kamel?

  Here's what I would say. Instead of like the blanket, send my mom money, let's figure out what we can actually support her with and directly put the money towards that thing.

• 8:52Rachel Cruze?

  Yes, like pay the rent if you need to.

• 8:54George Kamel?

  And make it a gift. It's never a loan and just say, hey, we want to cover your rent for the next three months or cover the groceries or we're going to pay for your rehab. That's a very specific thing versus just pouring money onto a problem.

• 9:05Rachel Cruze?

  That's right. Yes. A hundred percent. Yep.

• 9:06George Kamel?

  But no, she's not the problem.

• 9:08Rachel Cruze?

  No, I don't think so.

• 9:08George Kamel?

  Glad we can free you from that. Wow. Feel good to do that.

• 9:12Rachel Cruze?

  Okay, next one. Not taking internet safety seriously. Am I the problem?

• 9:17George Kamel?

  Absolutely.

• 9:18Rachel Cruze?

  If you're not taking internet safety seriously, you're the problem. I think so.

• 9:24George Kamel?

  Identity theft is a crime, Jim.

• 9:26Rachel Cruze?

  Unbelievable. So that's why you need Delete Me.

• 9:28George Kamel?

  Absolutely. So Delete Me is a service that will find or remove your info from all these data broker sites that are out there. If you ever Googled yourself and they're like, how do they know my address and my name and my phone number? It's because they sold it to data broker sites who are then going to sell it for a profit. And it leaves you at risk of spam and scams. And so Delete Me does all the work for you, saves you a ton of time. They send you a report showing you exactly what they've done. And it really does help me sleep better at night. I love getting my report. It feels so good.

• 9:55Rachel Cruze?

  It feels like people are out there. It's like angels are out there watching you over the internet.

• 9:58George Kamel?

  It's like I took a digital shower, you know?

• 10:00Rachel Cruze?

  Oh, yeah.

• 10:00George Kamel?

  Feel cleaner.

• 10:01Rachel Cruze?

  Definitely, George.

• 10:03George Kamel?

  Never thought about it like that, did you?

• 10:04Rachel Cruze?

  No.

• 10:04George Kamel?

  Hey, go check it out.

• 10:05Rachel Cruze?

  But you can get 20% off an annual Delete Me plan, which comes out to around $9 a month. So click the link below and check it out.

• 10:13George Kamel?

  JoinDeleteMe.com/smartmoney.

• 10:16Rachel Cruze?

  All right, next is buying designer items with my own money. I earn over $500,000 annually and my combined net worth with my husband. Well, she said hubby. Can I say husband instead?

• 10:28George Kamel?

  Please, I'm begging you.

• 10:29Rachel Cruze?

  Thank you. Hubby and bride are the two that just really, I don't know why.

• 10:34George Kamel?

  My bride.

• 10:34Rachel Cruze?

  My bride, yeah, my bride and my hubby. Anyways, it's $3 million. I enjoy buying designer things for myself with my high income. Go, girl. He lives in worst case scenario and thinks that we should save every penny in case a recession comes or our kids need money. I recently sold some stocks to treat, to buy a treat for myself, but I only spent 5% of my income. Am I the problem?

• 10:59George Kamel?

  Oh.

• 11:00Rachel Cruze?

  Okay, this is it. This is a marriage issue at this point. Because are you the problem for doing that? No, you have the money, like 100%. Also, is he gonna fully get on board with every like somewhat luxury purchase you make? He may not, because he is a doomsayer, worst-case-scenario guy. And I think he needs to work on himself.

• 11:24George Kamel?

  I want to know, is there an emergency fund here? Like, what is this worst-case-scenario where he thinks, in case a recession comes, it's all gonna come crashing down?

• 11:30Rachel Cruze?

  Right, right.

• 11:31George Kamel?

  So that's where, if there was an emergency fund in place and they had no debt, that would make him feel better. I don't know their financial situation overall.

• 11:37Rachel Cruze?

  Yeah, and I guess if you're like literally living off stocks, and the stock market dipped down and you couldn't take as much out that you needed to, to live your life, like, you know, I don't know. I don't know what the situation is, but...

• 11:48George Kamel?

  But no, she's not the problem.

• 11:49Rachel Cruze?

  No.

• 11:49George Kamel?

  And here's the thing, the percentage matters. Because, you know, her buying a designer purse is like someone else buying a biscuit. And so you gotta look at the ratios on this thing, go, okay, it's not too much of her world. Now, could they do a budget together and go, hey, here's how much of my fun money I'm gonna spend? That might be $3,000 a month for their income, I don't know. But that way, he knows exactly what's coming out, the limits around it. So set some boundaries, and that's where the budget is really key.

• 12:14Rachel Cruze?

  It's very helpful in that way, for sure. Okay.

• 12:17George Kamel?

  Next up. This one's juicy. Not returning an engagement ring to my ex-fiance.

• 12:23Rachel Cruze?

  Ooh, if he cheated, keep it. If not, I don't know.

• 12:28George Kamel?

  Here we go.

• 12:29Rachel Cruze?

  It's my ring.

• 12:30George Kamel?

  Well, the first word is a dead giveaway. I caught my ex of two years cheating a few months into our engagement. We immediately broke up, and I still have the ring. Planning on selling it to help pay back the wedding costs I already lost. He is demanding to have it back and is threatening legal action.

• 12:45Rachel Cruze?

  Heck, no!

• 12:46George Kamel?

  Am I the problem?

• 12:47Rachel Cruze?

  No. No. That's my caveat, though. If he cheats, no. Sorry. You were in a committed relationship, and anything going forward, like, no. Well, mine is mine, and yours is yours. We cut it off right here, and you gave it to me. This was a gift to me.

• 13:03George Kamel?

  Yeah, isn't she not the owner of said ring at this point?

• 13:04Rachel Cruze?

  Now, if she calls off the wedding, if they mutually decide together, like, ooh, that's probably it. Gosh, I saw something recently. Oh, Love is Blind. I'm singing the wedding. I got called off last minute. I was like, what was that? Love is fine. Yeah, and if they both mutually decide to go separate ways, I'd give the ring back. Or if I called it off, you give the ring back. But if he gets caught cheating?

• 13:27George Kamel?

  So this is, you're like, this, this is fine to be petty because he cheated and keep the ring and sell it. That's all, yeah, this is totally good. I'm just saying.

• 13:35Rachel Cruze?

  What do you think?

• 13:37George Kamel?

  I think she has every right to do what she wants with the ring.

• 13:40Rachel Cruze?

  Do you think she's the jerk for keeping it?

• 13:42George Kamel?

  No.

• 13:43Rachel Cruze?

  Okay.

• 13:44George Kamel?

  No, and here's the thing, if she's planning on selling it to help pay back wedding costs that she's lost.

• 13:48Rachel Cruze?

  Hundred percent.

• 13:48George Kamel?

  There's also a reason there. It's not out of pettiness. It's like, hey, I, we've sunk some money into this thing. I'm trying to get some of it back. Now, who knows what he sunk into it?

• 13:56Rachel Cruze?

  I don't think you're using the word petty.

• 13:58George Kamel?

  I just wanted to rile you up and it worked. All right? That's my job around here.

• 14:02Rachel Cruze?

  Oh, man.

• 14:03George Kamel?

  But no, is she the problem? No. Now, the legal action, I want to know, does he have a legal standing to sue to get the ring back? I don't think so.

• 14:11Rachel Cruze?

  I don't think you can like just ask for, demand it come back to you. I don't think you can do that.

• 14:16George Kamel?

  I don't think it's his asset to then retrieve.

• 14:18Rachel Cruze?

  No, I think it's her ring at this point.

• 14:20George Kamel?

  Not a lawyer, but hey, lawyers, jump in the comments, let us know.

• 14:22Rachel Cruze?

  Now, give us your, your legal advice.

• 14:24George Kamel?

  I know a lot of lawyers watch this show and also leave YouTube comments. That's.

• 14:28Rachel Cruze?

  They do?

• 14:29George Kamel?

  No, I'm just saying. They're probably busy doing lawyer stuff. I don't know. But that's a dark one. That's dark.

• 14:35Rachel Cruze?

  That is sad. I'm so sorry about that.

• 14:36George Kamel?

  But honestly, you, you get what you deserve, ex-fiance.

• 14:39Rachel Cruze?

  Oh, man.

• 14:39George Kamel?

  What a dingus. Who goes, hey, I commit my life to you and also about to go cheat on you a few times?

• 14:44Rachel Cruze?

  I know.

• 14:45George Kamel?

  That's an absurd thing to do.

• 14:47Rachel Cruze?

  Yeah, he has some issues. Okay. Uh, only giving Vegas money to my biological child. Wait, what? Okay, here we go. My husband and I have a five-year-old daughter together, plus his 10-year-old daughter. I won money on a bachelorette trip in Las Vegas. It was in the premarital asset, so I paid off debts and put the rest in a trust for our five-year-old. When he found out that I didn't put any aside for her as older daughter, he got angry. He is still not speaking to me. Am I the problem?

• 15:17George Kamel?

  Oh, boy.

• 15:18Rachel Cruze?

  Jeez.

• 15:22Rachel Cruze?

  Yeah, I think you are.

• 15:25George Kamel?

  Paying off the debt.

• 15:26Rachel Cruze?

  If you have, at this point, I think, moving forward, if it was money that she had pre-marriage, like, um, like, I'm thinking of like, a piece of land or something that she had pre-marriage, and this land was supposed to go to, like, her biological daughter. I'm kind of flipping roles here. Um, because, like, it came from her dad or something generationally, right? And then you get remarried, and then you get married to someone else and they have kids. I don't think that land should go to those kids. Does that make sense? Or the profits of that go to those other kids? Because it was already there before the marriage. But anything after the marriage, you're kind of building a life together. And if you are still, like, if you guys are raising kids together,

• 16:09Rachel Cruze?

  I don't know, there's a part of me that, like, yeah, I feel like moving forward, what we make and what we have is gonna be for all, for all the kids, right? I don't know.

• 16:18George Kamel?

  Yeah, so in this case, you're saying

• 16:19Rachel Cruze?

  I'm not a stepparent, so I-

• 16:20George Kamel?

  she's not the problem because this was a premarital asset.

• 16:23Rachel Cruze?

  No, no, I think she is the problem because it's not a premarital asset.

• 16:25George Kamel?

  She said it was. You said it was a premarital asset.

• 16:28Rachel Cruze?

  Oh, gosh, she did say that. So I paid-

• 16:31George Kamel?

  Yeah.

• 16:32Rachel Cruze?

  Oh, on my bachelorette trip to Vegas.

• 16:36George Kamel?

  So, right before the wedding.

• 16:37Rachel Cruze?

  Right, oh, yeah.

• 16:38George Kamel?

  She wins all this money.

• 16:39Rachel Cruze?

  Okay, okay.

• 16:40George Kamel?

  So she-

• 16:41Rachel Cruze?

  I guess technically it is a premarital, but like, what? Like, a few months before?

• 16:44George Kamel?

  Yeah. I go, I'm, I'm halfway on this.

• 16:47Rachel Cruze?

  Yeah.

• 16:48George Kamel?

  I think he might be a little bit over the top with his anger.

• 16:51Rachel Cruze?

  He's not talking to her.

• 16:52George Kamel?

  Yeah.

• 16:52Rachel Cruze?

  Silent treatment, boo.

• 16:54George Kamel?

  Like, first of all, your, your 10-year-old daughter is going to be fine if you guys get on the same page.

• 16:58Rachel Cruze?

  Stop being a 10-year-old dude and giving her the silent treatment.

• 17:00George Kamel?

  Yeah.

• 17:01Rachel Cruze?

  I hate that.

• 17:01George Kamel?

  Now, the question is, how much stock do you put into your biological daughter versus now it's our daughter, but it's not from my marriage? And that, that part feels weird.

• 17:11Rachel Cruze?

  Yeah.

• 17:11George Kamel?

  Personally, I would say, I'm in this family now. These are, this is my child just as much.

• 17:16Rachel Cruze?

  Yeah, I don't know.

• 17:17George Kamel?

  From a financial legacy standpoint.

• 17:19Rachel Cruze?

  I know, I know.

• 17:20George Kamel?

  That might be my hot take, I don't know.

• 17:22Rachel Cruze?

  That's tough, though.

• 17:23George Kamel?

  Yeah, I think this is a more marriage communication issue.

• 17:26Rachel Cruze?

  Yeah, for sure. Yeah.

• 17:28George Kamel?

  Because I don't think the money actually, like, whatever. You'll build wealth together. Your 10-year-old daughter's gonna be fine. This was not like a life-changing...

• 17:36Rachel Cruze?

  Yes.

• 17:36George Kamel?

  The 5-year-old's gonna have a better life than the 10-year-old.

• 17:39Rachel Cruze?

  Right, right, right.

• 17:39George Kamel?

  They're so young.

• 17:40Rachel Cruze?

  Yeah, totally, totally.

• 17:41George Kamel?

  It's not like one got a free house and the other one didn't.

• 17:43Rachel Cruze?

  Right, that's right. Yep, I appreciate that. Okay, next. Not using Christmas money from in-laws the way they specified. Oh, my gosh. Here, you read this one, because I don't have this one, sorry.

• 17:52George Kamel?

  All right, this is the situation. Husband's parents send a check every year so our kids can buy gifts for each other, and my husband and I get a treat, too.

• 18:00Rachel Cruze?

  Oh.

• 18:00George Kamel?

  This year, we want to use it toward a ski trip, but they've been weird in the past about not spending the money exactly how they wanted us to. Should we do it and not tell them? I want to be honest about it, but I have a feeling they'll be mad. Am I the problem? Yeesh.

• 18:15Rachel Cruze?

  No, I don't think you're the problem. I think the in-laws are the problem. Gifts with strings attached or expectations kind of give me like the ooh.

• 18:23George Kamel?

  Yeah, that's...

• 18:23Rachel Cruze?

  You know what I mean?

• 18:24George Kamel?

  That's a weird one. So, they send checks and you have to use this on the gifts that we want you to go.

• 18:28Rachel Cruze?

  And you have to tell them what you're using it on. That's weird, too, right? Like, if you're gonna give the money, give the money and let the family figure out...

• 18:35George Kamel?

  Yeah, if they're sending a check, they're sending money. What they... They don't have control over that money at that point. So, if you want to just buy gifts, send the parents links to Amazon or whatever, and they can buy the gifts and send them.

• 18:47Rachel Cruze?

  Yeah.

• 18:47George Kamel?

  But if you send money, it's my business what I do with that money.

• 18:50Rachel Cruze?

  I agree. I'm with you.

• 18:52George Kamel?

  So, I don't think you're the problem.

• 18:53Rachel Cruze?

  Adult to adult, so no, I don't think you're the problem.

• 18:54George Kamel?

  But I do think they should communicate with the in-laws and say, hey, listen.

• 18:57Rachel Cruze?

  You do?

• 18:58George Kamel?

  I think it's worth a conversation. Because what's gonna happen is resentment with the in-laws over this stupid situation. Instead, go, hey, listen, we have lots of stuff. We love stuff. Thank you for the stuff. We'd love to do an experience this year because we think it's gonna create a great memory, and we're letting you know. It's not permission.

• 19:15Rachel Cruze?

  Yeah, yeah, yeah.

• 19:15George Kamel?

  Letting you know.

• 19:16Rachel Cruze?

  Yeah, just a heads up.

• 19:17George Kamel?

  And if they never send a check again... We learned.

• 19:19Rachel Cruze?

  Yes, and better for it, right?

• 19:21George Kamel?

  And better for it.

• 19:22Rachel Cruze?

  Yeah, I don't know.

• 19:23George Kamel?

  Budget for it, and so you can take your own kids on a trip.

• 19:25Rachel Cruze?

  So no, you are not the problem. I don't think you are.

• 19:27George Kamel?

  But also, can you just save up and go on a ski trip and buy some gifts? Sure. You could avoid all this with a budget pretty easily.

• 19:33Rachel Cruze?

  Yeah, for sure. Yep. You know what else you can save up and pay for? Cozy Earth products.

• 19:37George Kamel?

  Hundred percent.

• 19:38Rachel Cruze?

  Unbelievable.

• 19:39George Kamel?

  Put that in the budget.

• 19:40Rachel Cruze?

  Take that on the ski trip.

• 19:41George Kamel?

  We're talking bedding?

• 19:42Rachel Cruze?

  Wonderful.

• 19:43George Kamel?

  Talking athleisure?

• 19:44Rachel Cruze?

  Yeah.

• 19:44George Kamel?

  For the guys and the gals?

• 19:45Rachel Cruze?

  Yes, which includes socks, joggers, my favorite.

• 19:48George Kamel?

  Blankets?

• 19:49Rachel Cruze?

  Blankets, sheets, fucking robes.

• 19:52George Kamel?

  We're gonna keep naming things.

• 19:53Rachel Cruze?

  I know, because I keep adding to my wardrobe of Cozy Earth stuff. Because it is, the quality is amazing. It's amazing. Like, if you're to the point that you're like, listen, I'm gonna now invest in quality things, Cozy Earth is the place to be. It is, it's like the most softest, most wonderful stuff ever. And I use, I literally use a Cozy Earth product, I use two a day.

• 20:14George Kamel?

  Sheets?

• 20:14Rachel Cruze?

  Guarantee it, yes.

• 20:16George Kamel?

  And?

• 20:16Rachel Cruze?

  Robe.

• 20:16George Kamel?

  Sheets and robe.

• 20:17Rachel Cruze?

  I mean.

• 20:18George Kamel?

  What else does a woman need?

• 20:19Rachel Cruze?

  I know, I know.

• 20:21George Kamel?

  Well, hey, go check it out. They're giving our listeners a sweet discount, up to forty percent off, if you go to cozylearth.com/smartmoney and use promo code SMARTMONEY at checkout. We'll put a link in the description as well.

• 20:32Rachel Cruze?

  Um, all right, next up, not telling our daughter about her education fund.

• 20:39Rachel Cruze?

  Okay, here's the situation. Grandparents set up a college fund for our daughter and son. We assumed they'd both go to grad school, so we told them to use scholarships for college and plan to help them with their higher ed degrees later. My daughter went to school on scholarship and started working immediately after, so we never told her about her college fund. My son chose to do grad school, so we gave him his portion, and our daughter asked where the money came from. She's upset that she never knew this money existed just because she didn't go to grad school. Are we the problem? Yes.

• 21:11George Kamel?

  Lack of communication.

• 21:12Rachel Cruze?

  Wow, that's pretty terrible, do you think? Like, that's so interesting to me, like. You, yeah, you have the money to pay for your kid's college. I'm all about the scholarships and grants, like regardless of if you have the money or not.

• 21:24George Kamel?

  And people don't know, you can pull money out of the college account against those scholarships and grants. So if you get $20,000 scholarship, you can take $20,000 out as cash from that college fund.

• 21:34Rachel Cruze?

  Okay, there you go.

• 21:35George Kamel?

  So there's a cool little life hack for you. It's not like, well, that was a waste to save up because we couldn't even use it. You can withdraw against those, which is great.

• 21:42Rachel Cruze?

  So that, and then if the daughter's like, oh, my gosh, I'm going to try to go debt free. So I have to go get a job and like work really hard when money was just sitting there in the education fund for education and it's not being used for education. It's just sitting there and then she doesn't go to grad school. Then that 529 money, I mean, do you know what I mean?

• 22:00George Kamel?

  Yeah, well, and

• 22:00Rachel Cruze?

  I think that's like

• 22:01George Kamel?

  Here's the key words to tell me this was a flub on the parents' part. We assumed they'd both go to grad school.

• 22:07Rachel Cruze?

  You know what they say about assume?

• 22:09George Kamel?

  Makes a jerk.

• 22:11Rachel Cruze?

  Out of you and me.

• 22:13George Kamel?

  Yeah, you are the problem. Communicate. And also where's this assumption that both kids are going to go to grad? Like, it's just weird to go, well, they're probably both going to end up getting master's degrees.

• 22:24Rachel Cruze?

  Isn't it funny? My assumption is my kids won't.

• 22:26George Kamel?

  Yeah, 100%.

• 22:27Rachel Cruze?

  I don't even think about that.

• 22:29George Kamel?

  Neither of us have master's degrees.

• 22:31Rachel Cruze?

  Nope, and look at us now, George.

• 22:32George Kamel?

  Look at us now.

• 22:33Rachel Cruze?

  Just giving the internet advice.

• 22:35George Kamel?

  Living the dream as YouTubers. Dream big, kids.

• 22:38Rachel Cruze?

  Just some YouTubers over here.

• 22:40George Kamel?

  So here's my take. Communicate everything with your kids as they get older. Say, hey, here's the situation.

• 22:46Rachel Cruze?

  And if you have the blessing to give money to them, one of the most expensive areas of your life, which is college, like do it, right? Embrace it all, give it all. Like, I don't know.

• 22:56George Kamel?

  Now, here's my thing. Would she have gone to grad school just because the money was there and just get a master's for fun? That feels like a waste.

• 23:04Rachel Cruze?

  Yeah.

• 23:05George Kamel?

  But that's, that's not, that's not part of this. It just feels like a sort of a secondary thing.

• 23:09Rachel Cruze?

  Yeah, it's true. It's good. I don't know. Yeah, that would be, and then, and then I would be pissed if my brother got money to go to grad. I don't know. Do you know what I mean? It just feels so like, yeah, I don't like it. Sorry, sorry, parents. You are the problem.

• 23:22George Kamel?

  All right, here's the next one. Separating finances from husband because he won't stop giving his parents money. In the last few months, I've noticed $1,700 missing from our savings. Husband has been giving his parents money, which we agreed not to do anymore because they never pay us back. That's in parentheses, very important tidbit.

• 23:40Rachel Cruze?

  Yeah.

• 23:41George Kamel?

  He didn't tell me, and he's not even working right now due to an accident. He is literally spending my money in secret. Am I the problem? All you guys have is problems.

• 23:51Rachel Cruze?

  Man.

• 23:51George Kamel?

  Both of you are the problem in my, in my book.

• 23:53Rachel Cruze?

  And his parents are the problem.

• 23:55George Kamel?

  So he's the problem because you guys agreed not to do this anymore?

• 23:58Rachel Cruze?

  Yes, and he's like taking money and, yeah. No. But then, yes.

• 24:04George Kamel?

  Your language, though, scares me of, he is literally spending my money in secret. You're also the problem. I don't like that language.

• 24:13Rachel Cruze?

  Okay, all righty, George.

• 24:14George Kamel?

  Spending my money in secret. I would never say that in my marriage. So, uh, no, I think largely, he is the problem.

• 24:22Rachel Cruze?

  Our money is not going to what we agreed upon.

• 24:24George Kamel?

  Yes.

• 24:25Rachel Cruze?

  Is what's happening.

• 24:26George Kamel?

  Well, and you crossed the boundary line.

• 24:26Rachel Cruze?

  And I'll say this too, go ahead and separating. Um, it's only been one month is what it says. So it's not necessarily a pattern that I'm aware of. If she looked up and she's like, he's been doing this for a year, red flag for sure immediately. He did it for a month is what it said. Um, he's probably scared of her. That's what it sounds like.

• 24:47George Kamel?

  I'm a little scared of her.

• 24:49Rachel Cruze?

  But, uh...

• 24:51George Kamel?

  Yeah, I don't think this is like, we need to separate finances.

• 24:53Rachel Cruze?

  Not right away unless you guys can't come to it. I mean, like, if you can't come to agreement, that means you can't come to agreement on him spending money and not telling you, which is weird. That's, that's not okay.

• 25:02George Kamel?

  That's a financial infidelity situation.

• 25:04Rachel Cruze?

  Yeah, like, that's, that feels very, um, not trustworthy. I don't like that, yeah. The secret stuff, not good. That will, that will rot away a relationship real quick.

• 25:14George Kamel?

  We need to come to Jesus conversation.

• 25:15Rachel Cruze?

  Yes, and I would do that before I make any, like, rash decisions really quickly because a lot of this is very emotional based, which I understand. But until we can get, like, as two adults talking in agreement, and if you start, realize, oh my gosh, I still can't trust him because... He's not fully on agree or whatever, then like, alright, we need to start like having some more serious discussions about our life and our money.

• 25:36George Kamel?

  And another part was they gave their parents, his parents a loan because they said, because they never pay us back.

• 25:40Rachel Cruze?

  That's right, yeah.

• 25:41George Kamel?

  Never give money with this expectation, hey, this is a loan, you're gonna owe me. It destroys the relationship. It sounds like it wasn't great to begin with.

• 25:48Rachel Cruze?

  Right.

• 25:48George Kamel?

  It's not gonna get any better at this point. She's gonna be resentful of the in-laws forever.

• 25:53Rachel Cruze?

  Yep. Oh, man, George. This was a lot.

• 25:55George Kamel?

  Oh, God, I'm exhausted.

• 25:56Rachel Cruze?

  Okay, so some of our big takeaways. Let people come to you with money questions instead of offering unsolicited advice, right? That we're not gonna just like tell everyone what we're thinking. Yeah, if people need your opinion, they're gonna come to you. But people are going to Reddit for their opinions, so.

• 26:12George Kamel?

  That's frightening. Here's one. What's the line in "Uncommunicated expectation is a thought"? Is it something like that? Does that sound right? So it's just like, if you have an expectation, communicate it. Don't ever say, well, we assumed, or I thought we had talked.

• 26:29Rachel Cruze?

  Yeah, yeah, yeah.

• 26:30George Kamel?

  Make it clear.

• 26:30Rachel Cruze?

  Yes, say it out loud.

• 26:31George Kamel?

  Most of these problems happen because people didn't communicate upfront. They didn't set a boundary. They didn't explain the expectation. And then things went awry and they're all shocked.

• 26:39Rachel Cruze?

  Yep, totally.

• 26:40George Kamel?

  Like, wow, I can't believe they're upset.

• 26:42Rachel Cruze?

  Yes, yep. So always be transparent. Talk about it. Talk about your wants, your needs, thoughts and feelings around money, all of it. Because again, I think what you're saying is a lot of this stuff ends up being a situation because it's just not said out loud, right?

• 26:56George Kamel?

  Yes. And the other thing is bring in a third party if you can't come to a resolution. That could be a counselor, that could be couples, therapy, whatever it is, it's worth it to not just have the two people going at each other, going, well, I'm right and you're wrong, and I'm wrong and you're right. That's not gonna get you anywhere.

• 27:12Rachel Cruze?

  That's right, yep. So good, George. Well.

• 27:15George Kamel?

  Thanks for sharing, everyone, on the internet.

• 27:16Rachel Cruze?

  Trust your gut, too. Your first reaction of, am I a jerk? Is usually probably right, too.

• 27:22George Kamel?

  Would you ever post an in-law subreddit?

• 27:25Rachel Cruze?

  No, I don't know how.

• 27:27George Kamel?

  Oh, that's true. And even if you could, no, I don't think it's.

• 27:31Rachel Cruze?

  I would not put my situation out there.

• 27:32George Kamel?

  I think I would, I would have enough friends and counsel in my life to not go to the internet and ask for their opinions.

• 27:39Rachel Cruze?

  Hey, some people don't. The loneliness epidemic is large in America today, George. So count yourself lucky.

• 27:46George Kamel?

  That I have real friends?

• 27:47Rachel Cruze?

  That you have friends.

• 27:49George Kamel?

  Thank you.

• 27:50Rachel Cruze?

  You always joke that you don't.

• 27:51George Kamel?

  I would call Rachel before I went to a subreddit.

• 27:52Rachel Cruze?

  Oh, thank you, George. I appreciate that.

• 27:55George Kamel?

  Or maybe Winston. Probably Winston first.

• 27:58George Kamel?

  And then if I didn't like his answer, I'd go to Rachel.

• 28:00Rachel Cruze?

  Mm-hmm. I'd get riled up for you, George.

• 28:03George Kamel?

  Thank you.

• 28:03Rachel Cruze?

  You know me.

• 28:03George Kamel?

  You'd be on Team George.

• 28:05Rachel Cruze?

  Okay, so before we spill the tea on our guilty as charged, uh, let's talk about our drinks.

• 28:09George Kamel?

  This is a classic gimlet. Uh, you're closer to finishing. I just didn't have enough time. I was too enthralled in the stories.

• 28:15Rachel Cruze?

  Chatting too much.

• 28:15George Kamel?

  This is a 10 out of 10 drink for me.

• 28:17Rachel Cruze?

  Me too, George. It's like one of my favorites, and I usually don't do gin. I usually do vodka. I asked for a vodka gimlet, which is not traditional. But the gin's good. The gin, gin has like a...

• 28:28George Kamel?

  It's got the botanicals.

• 28:29Rachel Cruze?

  Botan- botanicals.

• 28:31George Kamel?

  Yes.

• 28:32Rachel Cruze?

  Wow, great word.

• 28:33George Kamel?

  Thank you.

• 28:33Rachel Cruze?

  Flour?

• 28:34George Kamel?

  That's just, I, yeah.

• 28:35Rachel Cruze?

  Flour-y? Is that what that means? Floral?

• 28:37George Kamel?

  Fluor elements in the gin.

• 28:38Rachel Cruze?

  Yeah.

• 28:39George Kamel?

  Is when they distill it. Juniper. I believe it's juniper. Final answer, if this was Who Wants to be a Millionaire. So here's what's in this drink. Gin, lime juice, simple syrup.

• 28:49Rachel Cruze?

  Very easy.

• 28:49George Kamel?

  That's all you need. You know, a little sweet, a little acid, and then you need your liquor, and it comes out to $2.94. That feels high for this drink, for what's in it, but I guess we use some high-quality ingredients.

• 29:00Rachel Cruze?

  Very nice.

• 29:01George Kamel?

  Could probably make it cheaper at home. Get the recipe in the show notes. Give it a try this weekend. I think you're, uh, you will be pleasantly surprised at how good it is.

• 29:09Rachel Cruze?

  Well, now it's time for

• 29:10George Kamel?

  Guilty as charged.

• 29:13Rachel Cruze?

  And this is where we ask each other a question every week, and if we're guilty, we take a sip.

• 29:18George Kamel?

  Oh, boy.

• 29:18Rachel Cruze?

  So, uh...

• 29:19George Kamel?

  You want me to read this one?

• 29:20Rachel Cruze?

  Yeah, you read it.

• 29:21George Kamel?

  What's the last thing you overreacted about, and after cooling off, you realized you might be the problem?

• 29:29Rachel Cruze?

  Oh, man, this is funny.

• 29:31George Kamel?

  I feel like we needed to phone a friend for this one and call our spouses and say, "Hey!"

• 29:35Rachel Cruze?

  My, my, my most, like, huh, huh, Lindsay's like, "Babe, it's okay," is like, "Where's Charles?"

• 29:41George Kamel?

  Oh, wow.

• 29:41Rachel Cruze?

  The girls are usually around, but like, we were at the beach, and like, water gets me. I'm very like, huh, where's Charles? Huh, huh. And he's like, "It's okay, it's okay." I'm like, "Did you, did you, did you put that, did you?" You know? He's like, "Yes, yes." So I'm, I'm a little on the anxious side sometimes.

• 29:57George Kamel?

  Just with Charles?

• 29:58Rachel Cruze?

  Yeah, 'cause my girls are pretty independent. I trust them. I don't know why.

• 30:03George Kamel?

  Well, you also told Charles he was fine when he had broken his leg.

• 30:07Rachel Cruze?

  (laughing)

• 30:09George Kamel?

  So maybe you're making up for

• 30:12Rachel Cruze?

  For lost time.

• 30:12George Kamel?

  A previous lack of parenting.

• 30:13Rachel Cruze?

  That's true, that's true.

• 30:14George Kamel?

  With over-parenting now.

• 30:15Rachel Cruze?

  Yeah. Um, let me think. Yeah, that, I wrote, yeah, I can overreact to that kind of stuff. Um...

• 30:23Speaker 02

  Hmm. I don't know, child safety feels like a heroic overreaction.

• 30:27George Kamel?

  I love that, yeah. I love that your situation involves you being the hero.

• 30:31Speaker 02

  It's so good, like such a good mom.

• 30:32George Kamel?

  I'm such a good mom that sometimes...

• 30:34Speaker 02

  Sometimes I look for my child in public.

• 30:37George Kamel?

  I really want to call Whitney right now and ask her, because I feel like she'll have...

• 30:40Speaker 02

  Do it.

• 30:41George Kamel?

  Five answers.

• 30:42Speaker 02

  Do you think if I called Winston right now, you'd answer?

• 30:44George Kamel?

  Hundred percent.

• 30:45Speaker 02

  This is fun.

• 30:45George Kamel?

  Winston's at your beck and call. He's probably been waiting with bated breaths for your call.

• 30:51Speaker 02

  He's like, Winston calls me. Hi babe.

• 30:55George Kamel?

  Put him on speaker.

• 30:56Speaker 02

  Okay, you are on speaker right now. Just fair.

• 30:59Speaker 03

  Oh, okay. I'm glad I didn't say what I usually say when you call.

• 31:02Speaker 02

  Okay.

• 31:06Speaker 02

  Oh my gosh.

• 31:11Speaker 02

  Is there ever been a situation where I have overreacted recently and it was my problem?

• 31:19Speaker 03

  That's never happened.

• 31:22Speaker 03

  I mean, traveling with you is the worst experience from a reaction standpoint. Like airports. Airports. And, I mean, I was in the bathroom and he texted me 20 minutes before people were lining up, but nobody was lining up after I got out of the bathroom.

• 31:41Speaker 02

  Perfect, that's it, that's the example, that's it.

• 31:43Speaker 03

  That was not my problem.

• 31:45Speaker 02

  Yeah, that's it.

• 31:45Speaker 03

  Definitely not my problem. You actually created a problem for me.

• 31:51Speaker 03

  And actually, yeah.

• 31:53Speaker 02

  That was it, yep, that's it, that's the example I needed. Perfect.

• 31:56Speaker 03

  Traveling's the worst.

• 31:58Speaker 02

  Okay.

• 32:02Speaker 02

  Oh man, thanks babe.

• 32:04George Kamel?

  Thanks Winston, love you.

• 32:05Speaker 02

  Love you, love you.

• 32:07George Kamel?

  I said it first.

• 32:08Speaker 02

  Bye. That's right, I did, I lied. I texted him and I lied, I forgot about that. They called, I'm used to Southwest, okay? We always fly Southwest. We flew United this last week. And they were like, and we're boarding group three, which is actually really good. So they start lining up group one, and I was like, holy crap, we're gonna, we're gonna miss and we're not gonna get the overhead space, because we packed all carry-ons. So you gotta get the overhead space. And I'm like, where is he? Where is he? And they're like, boarding group one, and I was like...

• 32:36Rachel Cruze?

  I'm like, we're boarding. We are boarding.

• 32:38George Kamel?

  Like, we basically missed a flight. It's over.

• 32:41Rachel Cruze?

  And he came out and he's like, "Oh, hey, there's someone." I was like, "I know, but we're about to..."

• 32:47George Kamel?

  In my defense, they could have moved at lightning speed. They'd been on group three already.

• 32:52Rachel Cruze?

  That boarding or one could have really hurried up and group two. And then we're group three. So, yeah, there it is.

• 32:57George Kamel?

  God bless.

• 32:58Rachel Cruze?

  I overreacted with our boarding process and that was my...

• 33:00George Kamel?

  Thank you. Thank you for being so vulnerable, so brave.

• 33:03Rachel Cruze?

  Yeah, thank you.

• 33:04George Kamel?

  A great mom and a punctual boarder. We love that about you. I have never overreacted, so I have nothing to offer.

• 33:12Rachel Cruze?

  You gotta bring one for the next.

• 33:14George Kamel?

  No, all the time. Truthfully, though...

• 33:15Rachel Cruze?

  All right, I'm guilty.

• 33:16George Kamel?

  In your head, though, you're like, "No, that was a legitimate reaction at the time with the information I had."

• 33:21Rachel Cruze?

  Hundred percent. Yeah, you've... Oh, yeah. We're not trying to be...

• 33:24George Kamel?

  And truthfully, I've never cooled off, so I didn't relate to it. After cooling off, I'm like, "No, I've never... I'm still hot. I run hot."

• 33:30Rachel Cruze?

  Run hot all the time. So good. Oh, man. Well, if you guys have some guilty charge questions, make sure to DM us, especially on Instagram. It's where we check the most, probably. That's where I check the most.

• 33:40George Kamel?

  Hundred percent, yeah.

• 33:41Rachel Cruze?

  So, yeah, DM us your ideas, because we love this segment. It's always a good one. Always a good one. And if you enjoyed this episode, you'll definitely enjoy our episode on things that scream, "I'm pretending to be upper class." Talking about more unfiltered financial truth there. So make sure to check that episode out and make sure to subscribe so you don't miss an all-new episode of Smart Money Happy Hour.