Baby Q&A: Costs, Essentials and Honest Advice

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan. Is there ever a financially “right” time to have a baby? In this episode, Rachel and George answer your biggest money questions about starting a family and raising kids—so you know what to expect when you’re expecting. Next Steps: 🎥 Watch our video Putting Our Financial Knowledge to the Test (With Special Guests!). 🍸 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. 💵 The simplest way to budget. Download the EveryDollar app for free! 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: The Bourbon Orange 🍊 Recipe: @muddlenmix 2 ounces bourbon 1 ounce fresh Sumo Citrus juice 1/2 ounce orange liqueur 1/2 ounce simple syrup 2–3 dashes orange bitters 1–3 ounces soda water Ingredients: To your cocktail shaker, add bourbon, fresh Sumo Citrus juice, orange liqueur, orange bitters and simple syrup and ice. Shake well to incorporate flavors and chill the cocktail. Add ice to rocks glass and strain shaken cocktail over fresh ice. Top with soda 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?

  Is there ever a right time to have a baby financially? Today, we're getting real about a question that many couples and young families are asking. This is where it gets practical.

• 0:14Rachel Cruze?

  And this is where I spend money. Like, they are adamant that you go visit people in the hospital.

• 0:18George Kamel?

  Boomers feel entitled to seeing this newborn. If I can be a dad, anyone can be a dad.

• 0:27Rachel Cruze?

  Hey, guys, I'm Rachel Cruze.

• 0:29George Kamel?

  I'm George Kamel.

• 0:31Rachel Cruze?

  And this is

• 0:31George Kamel?

  Smart Money Happy Hour.

• 0:39Rachel Cruze?

  Cheers, George.

• 0:39George Kamel?

  Cheers.

• 0:43George Kamel?

  To the babies.

• 0:44Rachel Cruze?

  To the babies. 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.

• 0:52George Kamel?

  And before we get into it, let's talk about what we're sipping on today. It's the Bourbon Orange.

• 0:57Rachel Cruze?

  Yeah, it's light. To be a bourbon drink already, I can feel it's not too heavy.

• 1:02George Kamel?

  It's borderline refreshing. Stick around to the end, we're gonna give you our rating and reveal the cost per glass. Okay, Rachel, having kids do be expensive, as they say.

• 1:12Rachel Cruze?

  It is expensive.

• 1:12George Kamel?

  From start to finish.

• 1:13Rachel Cruze?

  And you're adding on, George?

• 1:15George Kamel?

  I just keep piling on.

• 1:16Rachel Cruze?

  I mean, number two, coming soon.

• 1:18George Kamel?

  In a few weeks, if you're watching and listening to this, I'm on baby watch coming up here.

• 1:22Rachel Cruze?

  I know. How are you feeling? How's everything?

• 1:24George Kamel?

  Uh, I think because we're all so, like, moving, we just decided to do the most at one time.

• 1:29Rachel Cruze?

  You know, we did that, too.

• 1:31George Kamel?

  Isn't that how it goes?

• 1:32Rachel Cruze?

  Not to make this about me.

• 1:33George Kamel?

  No, please, tell me your experience.

• 1:34Rachel Cruze?

  No, no, but it is. I'm like, life happens like that. I don't know why it piles on, but it does.

• 1:39George Kamel?

  Obviously, obviously harder on the mom, the person who is pregnant while doing all of this.

• 1:44Rachel Cruze?

  Sure, yes, or postpartum.

• 1:45George Kamel?

  Yes.

• 1:46Rachel Cruze?

  Yes, for sure. Uh, how's Whitney feeling?

• 1:48George Kamel?

  She's feeling it. She's, you know, third trimester.

• 1:50Rachel Cruze?

  Yes.

• 1:51George Kamel?

  It's where it's like, it was kind of fun, and now you're like, hey, now back to not being the most fun.

• 1:55Rachel Cruze?

  Now I'm ready to have a baby in my arms, not in my belly. Yep, I get that, for sure. Well, today, that's what we're gonna be talking about, because babies, they're expensive. A lot of time and money that goes in, but also you don't have to waste your money on things that are unnecessary. So we're gonna chat about that, too.

• 2:10George Kamel?

  We'll just cut right through all the noise and tell you the truth. How about that?

• 2:13Rachel Cruze?

  Yes, because it is hard. I think even with this, like, influencer culture, we see so much out there. Of like, everything down from the baby shower to the delivery. Like people like Meghan Markle had a video of her dancing in the hospital room. Did you see that?

• 2:28George Kamel?

  No.

• 2:28Rachel Cruze?

  Right before she like, you know, and you're like, good for her. Like I could, I was like waddling and she's like getting down. You know, but you see that, like you're literally seeing someone right before they're having a baby now. Like that's what social media has done. And then everything after and all the gear and what they're all doing, it's just a lot.

• 2:42George Kamel?

  And then some people are brutally honest and telling you only the bad things. And some people only tell you the magic and you're like, well, there's, it's all of it.

• 2:49Rachel Cruze?

  Yes, that's right. That's a good point. Some people have built a brand, I'm just like, here's everything that's horrible. And then some are like, I'm so perfect and it's so great.

• 2:57George Kamel?

  Which is Rachel.

• 2:58Rachel Cruze?

  No, I don't want that.

• 2:59George Kamel?

  No, she's, well, let's, let's get real.

• 3:01Rachel Cruze?

  There are some things that I think are worth it, are worth the money that you spend. Especially like on items and then some, not so much.

• 3:08George Kamel?

  So we'll spare you guys today and we'll talk about our different theories on when is the right time to have a baby? Where you should be financially before you start a family? Things to think about, what you should spend on a stroller. It's all, it's all there.

• 3:19Rachel Cruze?

  All there, okay. I'm gonna have, and I'm gonna be guilty of some of this as I did buy some nice things for my kids. Like actual things that lasted, but we'll get into that.

• 3:29George Kamel?

  Okay, what a tease, what a tease.

• 3:31Rachel Cruze?

  Okay, well, let's answer some baby questions that we get a lot when it comes to having a baby today.

• 3:37George Kamel?

  Okay, let's start with this one. When is the right time to have a baby?

• 3:41Rachel Cruze?

  Mmm.

• 3:42George Kamel?

  This feels like a trick question. Cause if you call the Ramsey show, what is Dave Ramsey gonna say? He's like, just go ahead and have a baby. You're married, you love each other, you want a kid, have a kid. It's great, it's a blessing.

• 3:53Rachel Cruze?

  I'm on his side. Are you not?

• 3:55George Kamel?

  No, I am.

• 3:55Rachel Cruze?

  You wanna be debt free and like all the things.

• 3:57George Kamel?

  But I think it's a simplistic answer for a lot of people who go, no, but really. They want something more complicated. Cause they go, well, Dave, I'm in debt and we're not, we feel like we're not ready because of our age, because of our life situation, because we, we're renting an apartment, we can't have a baby. All kinds of reasons you can justify in your head why you shouldn't.

• 4:16Rachel Cruze?

  Seeing all those reasons, I'm like, get him out of here.

• 4:18George Kamel?

  Get him out of here.

• 4:19Rachel Cruze?

  Have a baby. Do it.

• 4:21George Kamel?

  Babies can live in apartments that are rented.

• 4:23Rachel Cruze?

  They can. They, they indeed can.

• 4:25George Kamel?

  They don't care. They're gonna cry either way. Whether they're in a mansion or your little apartment.

• 4:29Rachel Cruze?

  Yeah, I think my big reason, and I'd say the same about marriage, is if there's a moment in life, because those are like really crucial, beautiful parts of life. And to hold that at a distance so that you can like get another goal in order, like my financial, like I get it, you're probably gonna be more stressed if you have a lot of debt, no savings and have a baby. Sure. But also, I'm like, I hate to wait because then in your head, it's like, well, once I get to this point, I'm okay. But then you're like, oh, man, but, but it'd be really nice if we had this next. And you just kind of keep pushing off something in your life that's really invaluable, you know?

• 5:04George Kamel?

  Well, the, here's the tweet. There is no baby step for having a baby. So if you're wondering, where in the steps does this fit in the Ramsey plan? It really doesn't. It's inconvenient to have a baby, and it's also the biggest blessing of your life. And if you're, you know, especially if you're a person of faith, like it's a gift from the Lord.

• 5:21Rachel Cruze?

  For sure.

• 5:21George Kamel?

  And you don't know if you're even going to be able to.

• 5:24Rachel Cruze?

  I know.

• 5:25George Kamel?

  That's a reality, especially as people get older, having babies older and older. And so you wait, well, once we're both out of school with our third master's degree and we're established in a home that we own, then we'll think about it.

• 5:36Rachel Cruze?

  Yep.

• 5:36George Kamel?

  You just don't know.

• 5:37Rachel Cruze?

  Yep, you don't know.

• 5:38George Kamel?

  What the journey's gonna look like.

• 5:39Rachel Cruze?

  And there's some pros and cons to all of these, right? So some of the pros, if you have kids earlier, you're younger, so physically you are like, you're going, right?

• 5:48George Kamel?

  Babies take energy.

• 5:49Rachel Cruze?

  It's a, yes, it's a very different feeling, even in pregnancy, it's a very different feeling, you know? As you keep aging, right? You're gonna feel different if you're 45 having a baby versus 25. Like it is, you're gonna feel different. But I would say too, when you're, if you have babies later, I do think emotionally, for most people, they have more of a Bandwidth to hold the chaos of life. Because when your kid's having kids, like, there's a level of stress there that you're trying to figure out life while also raising a baby. But the more established you are, I think there's a level of like, security there that's really good, too. You know, so there's pros, pros to both.

• 6:25George Kamel?

  Because as you get older, hopefully, you're doing better financially than you were in your twenties. But also, you know, young couples have kids all the time, and you figure it out financially. It's not as big of a burden as you think. You can make it as expensive or practical as you want to.

• 6:38Rachel Cruze?

  That's right.

• 6:39George Kamel?

  But I do think there is some truth to the, well, from what I've heard from everyone that has kids, they said, I do wish we had had them earlier, if they had, if they had kids really late.

• 6:47Rachel Cruze?

  Yes.

• 6:47George Kamel?

  So there's some middle ground, like you and Winston didn't have kids, you were married for how long? Before you had your first kid?

• 6:52Rachel Cruze?

  Five years.

• 6:52George Kamel?

  Okay, and I think it was about the same for Whitney and I, five years.

• 6:55Rachel Cruze?

  Yep.

• 6:55George Kamel?

  So that's, that's a good amount of time.

• 6:57Rachel Cruze?

  For sure.

• 6:58George Kamel?

  But if you get married at 35, and then you want to wait five years, that's a different scenario.

• 7:01Rachel Cruze?

  Yeah, it's, yeah, yeah, so it's all dependent upon, yep, the situation. All right, next question. Top five items worth buying for a newborn, other than like diapers and the obvious stuff, like what are things?

• 7:12George Kamel?

  This is where it gets practical.

• 7:13Rachel Cruze?

  And this is where I spend money.

• 7:15George Kamel?

  You need a car seat.

• 7:16Rachel Cruze?

  Car seat.

• 7:17George Kamel?

  That's a non-negotiable.

• 7:18Rachel Cruze?

  Yes, and they have the new ones, which they did not have when I had babies, and they're yellow, they have yellow wheels, and they're a car seat.

• 7:26George Kamel?

  The duna.

• 7:27Rachel Cruze?

  Turn into a stroller.

• 7:28George Kamel?

  The duna.

• 7:29Rachel Cruze?

  It's amazing. Did y'all have one?

• 7:31George Kamel?

  We did get a duna, we splurged on that, I think it was actually gifted from one of our showers, and it's a game changer. And I think they're good up through when they're a year old.

• 7:39Rachel Cruze?

  Dang, a long time. I didn't realize it was that long.

• 7:42George Kamel?

  And especially if you're traveling, like airports and getting out of the car, it really changed our life to have that. So that's, that's one I would recommend.

• 7:48Rachel Cruze?

  Was that your main car seat that y'all used?

• 7:50George Kamel?

  Yeah, up until, you know, she was one.

• 7:53Rachel Cruze?

  That's amazing.

• 7:54George Kamel?

  So that's a great one, we're definitely going to be using that again with the new baby.

• 7:56Rachel Cruze?

  I would be getting that if I was having a baby.

• 7:57George Kamel?

  And we saved it, so we're going to use it with the new baby now. And because they're expensive, you can get them used on Facebook Marketplace, just check for the expiration dates on those things, because it's crazy, but I found this out, car seats have expiration dates.

• 8:10Rachel Cruze?

  I know.

• 8:10George Kamel?

  Didn't know that, didn't know it was like milk. I personally think it's still a scam, but-

• 8:16Rachel Cruze?

  Is it because of the technology?

• 8:18George Kamel?

  I don't think so. I think it's a safety thing because of how crucial the, you know, the integrity of a car seat is to protect the baby. Like over 10 years? I think the expiration dates are years and years and years, but still.

• 8:32Rachel Cruze?

  Yeah, our infant car seat was used for every, all three of our babies.

• 8:36George Kamel?

  Good.

• 8:37Rachel Cruze?

  It was nasty.

• 8:38George Kamel?

  Hey, they survived.

• 8:39Rachel Cruze?

  It was nasty, but it was great.

• 8:40George Kamel?

  So car seat is a big one. According to babylist.com, which is a popular registry site, the best infant car seat of 2025 is the Key Fit 35, and that's priced at 229 bucks.

• 8:50Rachel Cruze?

  Key Fit 35. What is that? Do you know what that is?

• 8:53George Kamel?

  Uh, I think it's a Chico brand, because we have a Chico right now. It's the 360. It swivels.

• 8:57Rachel Cruze?

  Oh, yes.

• 8:58George Kamel?

  So that's my personal recommendation. If you can swing it, and I have a hack from Whitney that she wanted to share. So I am a vessel for her to share this information.

• 9:06Rachel Cruze?

  Oh, my gosh, I can't wait. What does Whitney have to say?

• 9:07George Kamel?

  So Target has a car seat thing they do, and thing in April and September, where it's 20% off the car seats if you bring in any old car seat. You can get one off the side of the road and bring it in. You'll get 20% off a new car seat. And if you pair it with a sale that Target has on a car seat, you can get a great deal. So that's what we did to get this Chico 360 that rotates.

• 9:27Rachel Cruze?

  And you're gonna rotate it because Mia's facing backwards, but soon she'll be facing front, and you can use the same one?

• 9:32George Kamel?

  Yes, and you can turn the face her toward you, so it's so much easier to get them in and out of the car. It saves your back.

• 9:39Rachel Cruze?

  Wow.

• 9:40George Kamel?

  So there's pro tip, a Chico 360 game changer. Hashtag not sponsored, but reach out, Chico.

• 9:46Rachel Cruze?

  Reach out.

• 9:46George Kamel?

  All right, next up on the items worth buying.

• 9:49Rachel Cruze?

  Stroller.

• 9:50George Kamel?

  Gotta have it.

• 9:51Rachel Cruze?

  And this is the one I had, I think, is the Appa Baby Vista.

• 9:55George Kamel?

  Yep, they're on to V3 now.

• 9:57Rachel Cruze?

  Okay, I don't know what ours.

• 9:58George Kamel?

  I think you may have a V2, or maybe the just the normal one.

• 10:01Rachel Cruze?

  This was 10 years ago, because we had it with Amelia.

• 10:02George Kamel?

  Oh, then yeah, you had the standard.

• 10:04Rachel Cruze?

  I think I had the original, V1. There wasn't even a V. It was just the Vista. And this whole set right now costs-

• 10:12George Kamel?

  Say it out loud.

• 10:13Rachel Cruze?

  $1,479.

• 10:17Rachel Cruze?

  Yeah.

• 10:17George Kamel?

  Some people's first car costs that much.

• 10:19Rachel Cruze?

  For sure, for sure.

• 10:20George Kamel?

  But it does come with a bassinet.

• 10:22Rachel Cruze?

  I don't remember how much I paid. I don't think it was that much. Ours came with stroller.

• 10:26George Kamel?

  Yep.

• 10:26Rachel Cruze?

  Car seats, bassinet, and then a toddler seat. We had to buy, we bought an additional toddler seat to go in the front, but you kind of had to.

• 10:34George Kamel?

  That's the key with the Vista is that you can add two kids.

• 10:37Rachel Cruze?

  It can be a three-person stroller, like with all this stuff. And it's amazing. It lasted us, I mean, we don't, we haven't done strollers in probably like, oh, two years or so. So I'd say a solid eight years. That thing.

• 10:50George Kamel?

  That's impressive.

• 10:51Rachel Cruze?

  And it folds real quick down.

• 10:53George Kamel?

  Yes.

• 10:54Rachel Cruze?

  You can fit it anywhere. And, and it's a light too, compared to some other strollers.

• 10:58George Kamel?

  That's what you gotta think about. Is weight, how easy is it to take out, put back in? You don't want to be lugging something heavy around that, you know, cumbersome.

• 11:05Rachel Cruze?

  I know. So we used ours and beat it to the ground. I mean, that thing went everywhere with us.

• 11:11George Kamel?

  It saw some things.

• 11:12Rachel Cruze?

  Yes. Mia's doing a stroller?

• 11:14George Kamel?

  Yeah, we have the Uppa Baby as well. And then we have a travel one that is a little bit easier, more nimble. So we keep that one in the car and keep the.

• 11:21Rachel Cruze?

  It's like a little umbrella stroller, like a smaller one?

• 11:23George Kamel?

  Uh, it is smaller. I don't remember the name of it.

• 11:26Rachel Cruze?

  Okay, so you have two?

• 11:27George Kamel?

  We have two. One that we keep in the car, one that stays out in the garage so we can go walk around the neighborhood.

• 11:31Rachel Cruze?

  Bougie.

• 11:32George Kamel?

  So that's, that's the Baby Step 7 life.

• 11:34Rachel Cruze?

  That is.

• 11:35George Kamel?

  You know, that's aspirational.

• 11:36Rachel Cruze?

  Good for you. Good for you, George. Cause it is, it's so great. Okay, next is a bottle sterilizer.

• 11:42George Kamel?

  Okay.

• 11:42Rachel Cruze?

  I wish I.

• 11:43George Kamel?

  I'm iffy on this one.

• 11:44Rachel Cruze?

  I wish I had this. I'd never had it. But I've heard about them now, that that's what they, that now, I think it's like, I think you like push down and it cleans the bottle for you. Where before I had like the brush and I was like scrubbing it. Do you have one of these?

• 11:57George Kamel?

  We, I, we were doing the brush for a while and then I think my brother got us the bottle sterilizer.

• 12:01Rachel Cruze?

  Is it amazing?

• 12:01George Kamel?

  I find it to be very helpful. When he was like, you can just do the brush, it's not that hard.

• 12:05Rachel Cruze?

  Okay, okay. So it's a 50/50 on this.

• 12:07George Kamel?

  She underestimates how lazy I am. I'm willing to help if it's easy, you know what I mean? If I gotta sit there with a little brush, so there's, yeah, there's a lot of gear there. But here's the one that is a non-negotiable for me, a nice monitor.

• 12:19Rachel Cruze?

  Oh, yes, that is nice. Camera?

• 12:22George Kamel?

  Yes, we did the one that's non Wi-Fi. Cause I heard, I don't know if this is true, but I got creeped out by the fact that people could like tap into the monitor and if it's non Wi-Fi, they can't do that. Am I right?

• 12:33Rachel Cruze?

  That's what I heard.

• 12:34George Kamel?

  Okay, I'm getting some yeses.

• 12:36Rachel Cruze?

  Heard that's a thing.

• 12:36George Kamel?

  So ours, I got the model for you, because people want to know.

• 12:40Rachel Cruze?

  I think ours was Motorola?

• 12:43George Kamel?

  Motorola? They're still making stuff?

• 12:45Rachel Cruze?

  I thought it!

• 12:46George Kamel?

  They made the Razr phone. Are they out here making baby monitors?

• 12:50Rachel Cruze?

  I swear, let me ask you a question. I swear that was, or, it started with an M.

• 12:56George Kamel?

  The one that we have is not Motorola, maybe I'm missing out. We have the infant optics.

• 13:02Rachel Cruze?

  What was the name of our baby monitor? The brand, question mark. I'm a, I'm a boomer. I voiced it.

• 13:07George Kamel?

  Every time I see you voice the, a puppy stops wagging its tail when you voice the text. I'm fully convinced.

• 13:14Rachel Cruze?

  Question mark, exclamation point.

• 13:16George Kamel?

  I just don't like it. I feel like text messages are a private entity that should not be shared publicly.

• 13:21Rachel Cruze?

  Well, I just shared mine. Okay, you keep going, I interrupted you.

• 13:23George Kamel?

  Anyways, the ones that we have are Infant Optics is the brand. They're a little, they're a little more expensive, they're 200 bucks, but there's a cheaper option called Hello Baby. That's 90 bucks that does the trick.

• 13:35George Kamel?

  It's a Motorola.

• 13:36Rachel Cruze?

  I knew I wasn't crazy. Yes.

• 13:40George Kamel?

  Good for you.

• 13:41Rachel Cruze?

  Thank you. And it was great.

• 13:42George Kamel?

  I always wondered like who is keeping Motorola in business? The Cruz family. She's got a Razr phone and she's got the monitor and they're doing well.

• 13:49Rachel Cruze?

  No, well, we stopped using, yeah, that is, that's a, that's a beautiful day when the baby monitors go away, George.

• 13:55George Kamel?

  I can't wait.

• 13:56Rachel Cruze?

  Yeah.

• 13:57George Kamel?

  To not constantly be like, what, is she crying? Okay, what happened? Is she good?

• 13:59Rachel Cruze?

  And I remember the signal, you wanted a strong signal. Because across the house, or like if we were at the lake, it's like you're down with the dog.

• 14:06George Kamel?

  Oh, long range.

• 14:08Rachel Cruze?

  Yes, I remember that being a big thing, like when I had babies, be like, can I just have like long range?

• 14:12George Kamel?

  What did our parents do? They just had to like go check?

• 14:15Rachel Cruze?

  Yes.

• 14:16George Kamel?

  Like, how'd you know what was going on there?

• 14:17Rachel Cruze?

  They would go and check, it's like, just, yes.

• 14:20George Kamel?

  Now they have like little ankle monitors that check the heart rate?

• 14:23Rachel Cruze?

  That scares me. I don't like that. And then they have a thing for under the mattress that like,

• 14:27George Kamel?

  Sense movement?

• 14:28Rachel Cruze?

  That scares me. You have those stuff?

• 14:30George Kamel?

  There's a lot going on. No, no, I don't have any of that. We just do the monitor.

• 14:32Rachel Cruze?

  Okay, I like that.

• 14:33George Kamel?

  Because what I'm, you're listening for like, is the baby crying?

• 14:37Rachel Cruze?

  Yes, that's right, that's right.

• 14:38George Kamel?

  The baby's silent, we're gonna assume that she's sleeping. It is sweet.

• 14:42Rachel Cruze?

  So sweet.

• 14:43George Kamel?

  There's nothing like looking at the monitor.

• 14:44Rachel Cruze?

  Is Mia talking or crib? Will she just sit up and just talk?

• 14:46George Kamel?

  Oh, yeah. Because she's doing like that, you know, she's just sort of mumbling.

• 14:50Rachel Cruze?

  Jabbering, oh.

• 14:52George Kamel?

  In her sleep.

• 14:53Rachel Cruze?

  Oh my God, with those little PJs and they're just sitting up with like their little messy hair and they're just talking?

• 14:57George Kamel?

  Yes. And she like knows now. She'll like look up at the camera and like talk to us. It's great. She's very smart.

• 15:03Rachel Cruze?

  So cute.

• 15:03George Kamel?

  Baby genius.

• 15:05Rachel Cruze?

  Um, okay.

• 15:05George Kamel?

  Last one.

• 15:06Rachel Cruze?

  Oh, yeah. And I believe in this. This is something we still use. A sound machine. But like getting a nice one. So we got the white one.

• 15:14George Kamel?

  The dome, D O H M?

• 15:16Rachel Cruze?

  Yes.

• 15:16George Kamel?

  Yep, that's a solid one.

• 15:17Rachel Cruze?

  I mean, and it's like 50 bucks probably.

• 15:19George Kamel?

  Yeah, they're not cheap.

• 15:20Rachel Cruze?

  No, they're not cheap. Um, but so great. And now, gosh, people are so brilliant. It's crazy what changes in,

• 15:26George Kamel?

  Technology.

• 15:27Rachel Cruze?

  Six years. Like, it's not that long. But like even since Charles, they have portable sound, tiny miniature sound machines to put in car seats and stuff. Brilliant.

• 15:36George Kamel?

  We use one, it's the Yoga Sleep Hush. It's like 25 bucks.

• 15:40Rachel Cruze?

  Okay.

• 15:40George Kamel?

  And we have one in her room on low because you don't want to, you know. That's a real thing now. You can hurt the baby's hearing if it's on too loud. If it's like blasting in the room.

• 15:49Rachel Cruze?

  Oh, really?

• 15:50George Kamel?

  Yeah. And we have one outside the room because the dogs are barking and doors are closing and so.

• 15:54Rachel Cruze?

  Yeah.

• 15:55George Kamel?

  So we have two minis that are plugged in at all times when she's napping and sleeping.

• 15:59Rachel Cruze?

  And do you take those with you on the go?

• 16:01George Kamel?

  Yes.

• 16:01Rachel Cruze?

  How big are they?

• 16:02George Kamel?

  I actually take them when I go to like a hotel. That's what I use for me.

• 16:04Rachel Cruze?

  How big are they?

• 16:05George Kamel?

  They're this big, like a puck.

• 16:06Rachel Cruze?

  Okay.

• 16:07George Kamel?

  Like a Google Home size.

• 16:08Rachel Cruze?

  So you're not a dome guy?

• 16:09George Kamel?

  No, we have the domes in our room.

• 16:10Rachel Cruze?

  Oh, okay, okay.

• 16:12George Kamel?

  The adults deserve the dome.

• 16:13Rachel Cruze?

  They got the dome. They got them.

• 16:15George Kamel?

  We'll upgrade one day. So yeah, those are the things you actually need. There's a lot that you don't need. Uh, we're gonna cover that next. Stuff that's overhyped.

• 16:21Rachel Cruze?

  Yeah, because there's some overhyped stuff, but something that is definitely not overhyped is Cozy Earth.

• 16:27George Kamel?

  Thank you. I was waiting for you to say it.

• 16:29Rachel Cruze?

  I mean, just the absolute most amazing clothes, shoes, everything. You got shoes.

• 16:35George Kamel?

  Yeah, I got their like lake house clogs. And let me tell you, why would I ever own Crocs?

• 16:42Rachel Cruze?

  Yeah, no.

• 16:43George Kamel?

  When I can wear beautiful.

• 16:45Rachel Cruze?

  Cozy Earth.

• 16:46George Kamel?

  Cozy Earth clogs.

• 16:47Rachel Cruze?

  Thank you for saying clogs.

• 16:48George Kamel?

  I'm a clog guy. I think that's what they're.

• 16:49Rachel Cruze?

  Clogs.

• 16:50George Kamel?

  They're great. They're not like, don't think like Dutch wooden clogs. These are very comfortable.

• 16:54Rachel Cruze?

  Yes.

• 16:55George Kamel?

  Just feel ritzy walking around the house.

• 16:57Rachel Cruze?

  Get your clogs. Get your Cozy Earth clogs.

• 16:58George Kamel?

  Get the clogs.

• 16:59Rachel Cruze?

  But yeah, their blankets, their sheets, the bedding, the clothes, the pants, the shirts, I mean, all of it, the socks, like, it is incredible. The quality is amazing. And there's stuff that's like that soft silk material.

• 17:12George Kamel?

  Yes. And it keeps you cool.

• 17:13Rachel Cruze?

  Unbelievable.

• 17:14George Kamel?

  Lot of like that bamboo viscose material. Amazing. So especially for the ladies out there, if you are with child, if you are postpartum, guys, just, this is what she needs. Just trust me on this. The PJ sets, no matter what, you can't go wrong. Go to cozylearth.com/smartmoney and you'll get up to 40% off your purchase. Or you can click the link in the show notes, use promo code SMARTMONEY at checkout.

• 17:37Rachel Cruze?

  So wonderful. All right, some overhyped. I could tell you my number one.

• 17:42George Kamel?

  Hit it.

• 17:43Rachel Cruze?

  When I was having Amelia, the cool thing was the Mamaroo.

• 17:47George Kamel?

  Oh, what's that?

• 17:47Rachel Cruze?

  It looked like an egg. And the baby would lay in it and it like does this.

• 17:53George Kamel?

  Oh, like a motion bassinet.

• 17:55Rachel Cruze?

  It's like the swing, but it's not. And you know what's funny is Amelia hated it. Like, it wasn't good. But it looked like futuristic, like it looked really like cool, or at the time it did. And you know what she wanted? Just the old school swing. That's in Denise, like let me borrow hers, just the, the one that's like throwing them.

• 18:12George Kamel?

  Yeah.

• 18:12Rachel Cruze?

  Oh, Amelia loved it. So I ended up with like the big clunky old school swing and not the cool like new thing. So.

• 18:19George Kamel?

  There's a lot of fancy bassinets. There's one called a snu that we were lucky enough to borrow from a friend for free. So I would say if you can get the snu for free or cheap, it's awesome.

• 18:28Rachel Cruze?

  People love the snu.

• 18:29George Kamel?

  And it does like the motion, it does noise.

• 18:31Rachel Cruze?

  But it's like a bassinet. It's like when they're sleeping.

• 18:33George Kamel?

  Yes.

• 18:33Rachel Cruze?

  Okay, so my question is, if you use the snu, but then you like go to a hotel and they have to sleep in like a pack and play, are they bothered?

• 18:39George Kamel?

  Oh, I didn't think about that.

• 18:41Rachel Cruze?

  Are you conditioning them?

• 18:42George Kamel?

  I think they're okay temporarily for that.

• 18:44Rachel Cruze?

  Okay.

• 18:45George Kamel?

  But it does help because it'll, as they make noise and get fussy, it'll start to go a little harder, get a little louder.

• 18:51Rachel Cruze?

  On their, like, it picks up their voice?

• 18:53George Kamel?

  Yeah. If they start crying, it has a sensor. So that's what makes it fancy and smart. So it kind of like calms them down for you. And so it really, and it like ties them down. It has a special like swaddle. And so they can't like roll over. They're kind of just like stuck in a little straitjacket. It's really crazy looking, but it works.

• 19:13Rachel Cruze?

  But it's amazing.

• 19:14George Kamel?

  But it's crazy expensive.

• 19:15Rachel Cruze?

  Are you gonna borrow it for baby number two?

• 19:17George Kamel?

  That is my only hope, is that my friend still has it and will let me borrow it. Cause I will not pay fifteen hundred dollars for this.

• 19:23Rachel Cruze?

  It's fifteen hundred dollars.

• 19:24George Kamel?

  I wanna say it's that expensive.

• 19:25Rachel Cruze?

  And how long are they in it for? Not that long, right?

• 19:28George Kamel?

  Six months.

• 19:29Rachel Cruze?

  Oh, okay.

• 19:29George Kamel?

  Yeah.

• 19:30Rachel Cruze?

  Yeah.

• 19:30George Kamel?

  So if you can get it cheap or free, go for it. Otherwise, I personally wouldn't spend retail price on it.

• 19:35Rachel Cruze?

  Uh, overhyped, a wipe warmer.

• 19:38George Kamel?

  Oh, yeah.

• 19:38Rachel Cruze?

  We never had one of those.

• 19:40George Kamel?

  They acted like babies cannot handle a room temp baby wipe.

• 19:43Rachel Cruze?

  Yes, I know.

• 19:44George Kamel?

  They'll be fine.

• 19:45Rachel Cruze?

  I think it's fine. A diaper pail. We never did one of these either. I always just had like, like plastic bags, like grocery bags.

• 19:53George Kamel?

  Yeah.

• 19:53Rachel Cruze?

  That I would just keep and then like every day, just.

• 19:56George Kamel?

  We used one for a while, especially early on. But nowadays, we just got rid of it. And number ones go in the trash, number twos go into a, a little grocery sack into the outside trash.

• 20:06Rachel Cruze?

  Yeah, that's right. I think that's great. It's perfect.

• 20:08George Kamel?

  That's the life hack.

• 20:09Rachel Cruze?

  How old's Mia right now?

• 20:10George Kamel?

  She's, uh, two.

• 20:11Rachel Cruze?

  Okay. We'll be potty training? Eh.

• 20:13George Kamel?

  Yeah.

• 20:13Rachel Cruze?

  It's gonna be a little while.

• 20:14George Kamel?

  We're being told that we should start by people in this room.

• 20:20George Kamel?

  By our producer Jenna.

• 20:23George Kamel?

  So we'll see. I think we're on the cusp, but there's a lot of life change happening right now with the house and the baby.

• 20:27Rachel Cruze?

  Yeah, I know, I know.

• 20:28George Kamel?

  We'll wait it out.

• 20:29Rachel Cruze?

  Uh, fancy clothes, overhyped.

• 20:31George Kamel?

  Thank you.

• 20:33Rachel Cruze?

  Listen, those babies just need to be in PJs. Just let them be in little PJs.

• 20:36George Kamel?

  Other than what Rachel bought for our daughter, which was so cute.

• 20:39Rachel Cruze?

  Oh, I did.

• 20:40George Kamel?

  Was that a smock?

• 20:40Rachel Cruze?

  A smock. I bought Georgia's smock dress for Mia. Listen, every southern girl needs a smock. So.

• 20:48George Kamel?

  It's just part of the package.

• 20:49Rachel Cruze?

  I think they're, I think they're cute.

• 20:50George Kamel?

  But the amount of clothing in her closet that was just given, gifted.

• 20:54Rachel Cruze?

  Isn't that amazing?

• 20:55George Kamel?

  Tags on it, bougie clothing that I'm like, when is she gonna wear a puffy, fuzzy, furry coat?

• 21:01Rachel Cruze?

  I know.

• 21:02George Kamel?

  She's not leaving the house for the next six months.

• 21:04Rachel Cruze?

  I know, but it's so cute though, you know? I know, I was a, I was a, um, I was a consignment sale queen. There's a, a school in Nashville, it's called Oak Hill. It's all you Nashville moms, like, give my secret, right? The Oak Hill Consignment was one of the most sought after.

• 21:22George Kamel?

  Cause it was high end clothing.

• 21:23Rachel Cruze?

  I stood in line, spring and fall for that thing, because there's all these Green Hills moms with all their small.

• 21:29George Kamel?

  Which is a fancy part of Nashville.

• 21:30Rachel Cruze?

  Just, oh, and I'm not kidding y'all, I mean, rows and rows and rows and rows and rows and rows of just cute, nice.

• 21:38George Kamel?

  Clothing.

• 21:38Rachel Cruze?

  Well, I wouldn't know if, I don't know if it's designer, but it's just.

• 21:40George Kamel?

  Stuff that would've cost 50 to 60 bucks sometimes.

• 21:42Rachel Cruze?

  Yeah, maybe, yeah, yeah, yeah. I mean, just some nice stuff and you could just, I mean, it's like $3, $2, and I was just, I'd go crazy.

• 21:49George Kamel?

  Supermarket sweeping there.

• 21:50Rachel Cruze?

  Oh, it was the best, it was the best.

• 21:52George Kamel?

  I will say that if you're gonna get clothing, the ones that we've enjoyed for the onesies are the magnetic me's, the snap magnets.

• 21:58Rachel Cruze?

  Yes, so nice.

• 22:00George Kamel?

  My brother just keeps gifting us more magnetic me's and it changed our life. If you put buttons on a onesie, I will punch you.

• 22:05Rachel Cruze?

  I know.

• 22:06George Kamel?

  What are you doing?

• 22:07Rachel Cruze?

  Are you a zipper guy?

• 22:08George Kamel?

  Love a zipper.

• 22:09Rachel Cruze?

  Yeah.

• 22:09George Kamel?

  Love a zipper, love a magnet.

• 22:11Rachel Cruze?

  Yep, let's do it.

• 22:12George Kamel?

  Buttons will be the death of me.

• 22:13Rachel Cruze?

  All right, last.

• 22:15George Kamel?

  Last overhyped item.

• 22:17Rachel Cruze?

  And I feel this so passionately. Baby shoes. Infant shoes. The infant, that four week old doesn't need shoes. Do not put shoes.

• 22:29George Kamel?

  I know they're cute.

• 22:30Rachel Cruze?

  On an eight week old baby. No, it doesn't need boots, it doesn't need tennis shoes, no. That baby needs socks and that's it. Can't walk, baby can't walk. Do not put big old shoes on that baby, I don't like it.

• 22:41George Kamel?

  Well said.

• 22:42Rachel Cruze?

  How do you feel about that?

• 22:43George Kamel?

  Yeah, I'm, I can't believe, this is the most aligned we've ever been in an episode.

• 22:48Rachel Cruze?

  You don't like baby shoes either?

• 22:49George Kamel?

  No.

• 22:49Rachel Cruze?

  Yes. People had like Uggs on their like six week, I mean, it can't even hold up its head. It's like.

• 22:55George Kamel?

  Here's the thing, you're doing it, you're doing it for yourself as a parent to go like, look how cute my baby is. They're already cute. If your baby's ugly, putting Uggs on them is not going to change that. I'm sorry. So just have a cute baby. It solves all of the problems.

• 23:07Rachel Cruze?

  I don't like it. Okay. So that was it. That was our five items. Overhyped. The next question we get a lot, George, is daycare versus stay at home parents.

• 23:16George Kamel?

  Oh.

• 23:17Rachel Cruze?

  This is a big baby question.

• 23:18George Kamel?

  Should we get real on this one? Do you want the real answer?

• 23:21Rachel Cruze?

  I mean, yeah, I think we're always real, right?

• 23:22George Kamel?

  We get calls on the Ramsey Show.

• 23:24Rachel Cruze?

  Yeah.

• 23:24George Kamel?

  And the people can just decide, hey, she's gonna stay at home.

• 23:28Rachel Cruze?

  Yes, yes.

• 23:29George Kamel?

  And then I go, well, this is a math problem.

• 23:32Rachel Cruze?

  Yeah.

• 23:33George Kamel?

  If the guy makes $34,000 a year and she stays at home and you guys have all these bills in debt, mathematically, you're going to continuously go into debt. This will not work. And so the hard truth is staying at home is a luxury and a privilege. And as much as it is a choice, it's also a choice that has consequences if you can't stomach it financially to live on one income.

• 23:53Rachel Cruze?

  Well, in, in your current lifestyle, that's the gut punch is, yeah, he makes 34, she's making 50, household income of 84. It's great until she's like, oh, I'm the one that wants to stay home. She makes the bulk of the money. So now you're gonna have to make a decision. It's the value of her being home, which for some people it is, that it is worth saying, okay, we're gonna move. We're probably gonna have to move. We can't afford this, our, our live, our housing situation. We're gonna not be able to do the things we are doing. Like, we're gonna cut our lifestyle way back in order to accommodate this idea that she's gonna be home, right? So, and people do it. And that's great. I mean, genuinely, I'm like, if that's what people want to do, I think that's a value call for them. But it's just, it may change the circumstances. You don't get the same life

• 24:38Rachel Cruze?

  with half of an income. You just don't. You can't mathematically. So that's the thing that you have to realize.

• 24:42George Kamel?

  And then the other gut punch is daycare is freaking expensive.

• 24:45Rachel Cruze?

  So expensive.

• 24:46George Kamel?

  So there's really no like wonderful scenario here financially.

• 24:49Rachel Cruze?

  Yep.

• 24:49George Kamel?

  Both are gonna be hard. Let's go through some of the average costs.

• 24:52Rachel Cruze?

  Okay, so this was in 2023. And anytime we do, we do costs like this, George, we see it in the comments. We got Nancy that's like, I'm in New York City. These numbers are insane. And then we got Sarah in the Bay Area. And she's like, y'all are living under a rock. So just Nancy and Sarah. Chill.

• 25:11George Kamel?

  Or Brenda in Ankeny, Iowa, who's going, are you serious? That's so expensive.

• 25:15Rachel Cruze?

  Yeah, that's right. That's right. And with these stats, again, I think they're from this year. It was maybe last year off care.com. Okay. And then we're going to compare them from 2023 numbers because they've all gone up, as you can imagine, except for one, which is great.

• 25:28George Kamel?

  Comforting.

• 25:29Rachel Cruze?

  Average weekly nanny cost is $827, which is up from $766 in 2023.

• 25:37George Kamel?

  Average weekly daycare cost, $343, which is up from $321 in 2023. So not a huge increase there in the last few years.

• 25:46Rachel Cruze?

  Average weekly family care center cost, $344, up from $230 in 2023. So a big jump there.

• 25:55George Kamel?

  And then lastly, average weekly babysitter cost, $167, down from $192 in 2023. I don't know how it went down. I don't feel like it went down, but.

• 26:04Rachel Cruze?

  Babysitter costs, apparently.

• 26:06George Kamel?

  Yeah, what is the going rate for babysitters? I found it to be about 18 to 25 bucks an hour is like normal.

• 26:12Rachel Cruze?

  Okay.

• 26:13George Kamel?

  Maybe more if you've got a bunch of kids.

• 26:15Rachel Cruze?

  I pay different on ages, the age of the babysitter.

• 26:18George Kamel?

  That makes sense.

• 26:18Rachel Cruze?

  So if we have like an eighth grade girl versus an 18 year old versus a 32 year old, I shift depending on their age.

• 26:26George Kamel?

  The older you are, the more experienced, the more you can demand as far as hourly rate. But honestly, for, for a lot of women out there, if you want a side hustle and you enjoy taking care of kids, this is a great side hustle, especially through a care.com.

• 26:38Rachel Cruze?

  For sure. Absolutely. Okay, so these costs though, they are very expensive. And so what you really do have to weigh is, you know, is it, is the daycare cost paying what I'm paying in that, what I'm making in my job, right? Because there's a point that it just cancels each other out. And it's like, is it, is it worth the headache, right? Maybe for your mental health to be like, no, I want to be working and get out of the house. That's great. But like, there is a point that you're just paying for daycare.

• 27:02George Kamel?

  If daycare is two grand a month and your take home pays two grand a month, you gotta go, okay, maybe it's worth it for me to just stay home.

• 27:09Rachel Cruze?

  Yes, that's right.

• 27:10George Kamel?

  And do full time care.

• 27:10Rachel Cruze?

  I'd be thinking about that. But there's some ways to minimize these costs. Um, obviously ideally. If there is family in town to be able to help.

• 27:19George Kamel?

  Grandparents, in-laws.

• 27:20Rachel Cruze?

  Once or twice a week, you know, not everyone has that, but that's, that would be ideal to help cut costs on this.

• 27:25George Kamel?

  And then nanny share is a new thing. So you can kind of split this with other friends and it could bring the costs down. If there's more than one kid there, that's a good one. And then, you know, having a spouse pick up a side hustle a few days or nights a month to offset some daycare costs. Again, it's one of the sacrifices that you might have to make to bring them the income to cover those costs.

• 27:43Rachel Cruze?

  That's right. And again, just kind of figuring out, is there a pivot for me in my work that I may have to do? You know, maybe I do stay home for a season. Maybe I go part-time and only pay for half of these costs, right? Um, cause I'm making more part-time or, you know, whatever it looks like, there just may have to be some pivots there. But think, think through that, cause that could end up saving you some money.

• 28:04George Kamel?

  Yeah. And I think we should call out that no matter what decision you make as a woman, you will be judged by people, by society, by the internet. Nobody is happy with whatever decision you chose.

• 28:16Rachel Cruze?

  Yes.

• 28:16George Kamel?

  What is up with that?

• 28:17Rachel Cruze?

  I don't know.

• 28:18George Kamel?

  And is it mostly women judging other women?

• 28:20Rachel Cruze?

  Yeah, yeah.

• 28:22George Kamel?

  Of like, I can't believe you would leave your career, give an MBA, you make great money. Why would you leave that to stay home with a kid or the opposite? Why, why would you stay at work when you could take care of this kid full-time? It's the most important job. Everything is true.

• 28:35Rachel Cruze?

  Yes. And there's always a thousand little details of life behind those comments, right? Of the person's situation, like you have no clue what's going on with them. So listen, everyone's doing the best they can. All of our kids are going to be in therapy at some point and it's fine.

• 28:49George Kamel?

  Yes.

• 28:50Rachel Cruze?

  It's fine regardless of what we do.

• 28:51George Kamel?

  And I'll add the personal anecdote. My wife, Whitney, decided to stay home when Mia was born. She did come back to work for a few months. I said, hey, just try it. What's the worst that could happen? Go back to work for a little bit, see what you think.

• 29:01Rachel Cruze?

  Cause she loved her job.

• 29:02George Kamel?

  Yes. She loved her job here at Ramsey. She was here for nine years.

• 29:05Rachel Cruze?

  Yep.

• 29:05George Kamel?

  She was crushing it in her career, executive assistant, making great money. And she still decided, you know what, I'm called to be at home. And because of our financial situation, it wasn't like a, how are we going to do this? Because we put ourselves in a great situation by then, we just went, okay.

• 29:20Rachel Cruze?

  It's great.

• 29:21George Kamel?

  If you want to do that, go for it. And she's, she's loved it. It's the hardest, I, truly, it is harder than being at work. And I know, depending on your job, you can argue with me. I would rather be here for my own mental

• 29:32Rachel Cruze?

  I know.

• 29:33George Kamel?

  and physical sake than be at home chasing a toddler. And I love hanging out with my toddler. This is not me trying to avoid being a dad. I'm just saying,

• 29:41Rachel Cruze?

  It's hard.

• 29:41George Kamel?

  You can't compare it with like, who had a harder day? That baby will wear you out, especially in the toddler phase and being pregnant.

• 29:48Rachel Cruze?

  It's exhausting.

• 29:49George Kamel?

  She's going through it. So shout out to the moms out there.

• 29:51Rachel Cruze?

  I had to have like little schedules if I was home with the kids.

• 29:54George Kamel?

  Oh, just set some.

• 29:56Rachel Cruze?

  Just for myself, my sanity. Cause you'd look up, I will never forget. You look at the clock and it's like 10:38 and you're like, I thought it was 3 o'clock in the afternoon. How was it only, it's not even lunch yet. Oh my gosh, what are we going to do the rest of the day? I mean, it's, it is, it can drive you.

• 30:08George Kamel?

  You lose track of time, what day it is. When's the last time I, I washed my hair?

• 30:12Rachel Cruze?

  Yes.

• 30:13George Kamel?

  When was my last meal? These are the, the questions that a mom asks. Cause she's putting everything else before herself.

• 30:18Rachel Cruze?

  She is. She's so sacrificial. I know. Do what else is really sacrificial?

• 30:23George Kamel?

  What's that?

• 30:23Rachel Cruze?

  The work that Delete Me does for us, the consumer.

• 30:27George Kamel?

  Doing the most behind the scenes.

• 30:28Rachel Cruze?

  They go in and they remove your data from data broker websites, you guys, that collect your data and they sell your data to other companies. And then you are at risk for scams and phishing and harassment and all this stuff. But Delete Me goes in and removes your information. Isn't that so selfless of them?

• 30:45George Kamel?

  It really, and not just your information, your spouse's information, your kid's information, your baby's information, all of it is out there. Imagine all the things you filled out with all of that info.

• 30:54Rachel Cruze?

  Yes.

• 30:55George Kamel?

  And so it is out there. The question is, what are you going to do about it? And what I did about it was got Delete Me. Working for me behind the scenes, real privacy experts, all year long scouring these data broker sites to remove my info. They send me a report every few months and it gives me great peace of mind and it's super affordable.

• 31:10Rachel Cruze?

  Yes. Oh, it's so wonderful, you guys. Yeah. It's an incredible service. So make sure to check it out. We will leave a link down below. Or you can go to joindelete.me.com/smartmoney and check it out.

• 31:21George Kamel?

  Yeah. They got 20% off for our listeners and viewers.

• 31:23Rachel Cruze?

  Oh my gosh.

• 31:24George Kamel?

  Take advantage of that.

• 31:24Rachel Cruze?

  But for real though, that it is an incredible service. There's so many subscriptions you can have these days. But your online safety so that your information's not like a billboard out there. It is worth a subscription because, man, they help you out so much.

• 31:36George Kamel?

  And I got my parents on it. Shout out. They're in the crowd today.

• 31:39Rachel Cruze?

  Love it. So good.

• 31:40George Kamel?

  And I feel better knowing that they're not gonna gullibly fall for a scam or something.

• 31:44Rachel Cruze?

  It's real.

• 31:44George Kamel?

  Because they get a random text message.

• 31:46Rachel Cruze?

  It is so real. All right, question number five. What to ask of people when they offer to help?

• 31:52George Kamel?

  Oh. So let's start with showing up to the hospital. What are your thoughts about this?

• 31:59Rachel Cruze?

  Not a fan.

• 32:00George Kamel?

  So Rachel just had a baby and I'm like, hey, we'd love to come visit.

• 32:03Rachel Cruze?

  No, that's asking at least.

• 32:05George Kamel?

  Yeah. Oh, versus just showing up unannounced.

• 32:08Rachel Cruze?

  Yes. Yes.

• 32:09George Kamel?

  What room are the cruises in? All right, here we go.

• 32:11Rachel Cruze?

  That happens, yes. It is my parents' generation. Like, they are adamant that you go visit people in the hospital.

• 32:17George Kamel?

  Boomers feel entitled to seeing this newborn. They're like, this is my doing.

• 32:20Rachel Cruze?

  And like, some of their friends, again, very kind. It's very like, but man, they will show up at the hospital. Isn't that funny? I'm like, I don't know what that is, but it is, it's real. And the first baby, I was like...

• 32:32George Kamel?

  So who do you want there? And when?

• 32:34Rachel Cruze?

  Um, family. You know, I had, I had people in my delivery with a Caroline.

• 32:41George Kamel?

  Misses don't show up unannounced and you have a party in the delivery room?

• 32:45Rachel Cruze?

  Not unannounced, that's the key. That's my thing. That's my asterisk. People that just show up, they knock on the door and they walk in and you're like, yeah.

• 32:50George Kamel?

  You invited, hey, I want you there. That's different.

• 32:53Rachel Cruze?

  I know. I had people in Caroline's delivery.

• 32:55George Kamel?

  Wow.

• 32:56Rachel Cruze?

  I know, isn't that funny? I don't know why. I just want people to experience it. People, I have people in my life, they're like, I've never seen a baby be born. I'm like, well, come to my delivery.

• 33:04George Kamel?

  Wow. You do love a delivery. Rachel wants to make a show of everything, apparently. It's a performance.

• 33:09Rachel Cruze?

  I know. I, yeah, some people probably think it's real weird, but I did. Um, but yeah, there, I don't know. Yeah. But the hospital visits after, I would want, I want family. Um, and then like, good friends.

• 33:22George Kamel?

  Yeah.

• 33:22Rachel Cruze?

  But like, I don't, like, love the coworkers, but like, I don't need a coworker showing up.

• 33:26George Kamel?

  Okay, duly noted.

• 33:28Rachel Cruze?

  You know what I mean? Like, uh, like, there's just certain things that I'm like...

• 33:30George Kamel?

  No, I can take the hint.

• 33:31Rachel Cruze?

  No, not like, not, not anyone in this room. I consider everyone here friends. So yes, you would be, but people that like, were a leader or like, I mean, yes.

• 33:40George Kamel?

  Where they feel like, well, maybe we should stop by.

• 33:42Rachel Cruze?

  Yes, because they think we're gonna love it.

• 33:44George Kamel?

  Yeah.

• 33:45Rachel Cruze?

  It's what my dad always says. I'm totally riding on tape right now. He's always like, everyone wants to show off their baby. I'm like, not when you've just pushed a man out of your body. No, they don't.

• 33:54George Kamel?

  Yeah.

• 33:54Rachel Cruze?

  No, they don't. Like, they want to show it off like two weeks later. Not a fresh eight-hour-old baby. No, do not be showing up to my house.

• 34:02George Kamel?

  Well, mostly for the mom. Like, the mom is recovering here. She just went through a pretty traumatic...

• 34:06Rachel Cruze?

  There is something about that. I can't, I don't know what it is, but man, they are like, gonna show up because they think you want it. And you're like, no!

• 34:13George Kamel?

  Don't assume.

• 34:14Rachel Cruze?

  Yes.

• 34:14George Kamel?

  Okay, how about meals and food? Like, bringing meals and food?

• 34:17Rachel Cruze?

  Oh, it's the best gift you could give anyone.

• 34:19George Kamel?

  What are your thoughts on that?

• 34:20Rachel Cruze?

  Best gift you could give anyone.

• 34:21George Kamel?

  Do you think it's helpful to say, hey, do you want us to stop by or just drop the food at the door?

• 34:26Rachel Cruze?

  Mm-hmm.

• 34:26George Kamel?

  Because there's a difference. Sometimes you just don't want to, like, have to be social and see people.

• 34:30Rachel Cruze?

  Yes, that's right.

• 34:31George Kamel?

  Sometimes you want them to come in and have some social time.

• 34:34Rachel Cruze?

  Sam, my publicist, she had her baby, and she's very social like me. So I was texting her. I was like, hey, I'm gonna pick you up. Food, what do you want? She's like, I want tzatziki's. Perfect. I'm bringing you tzatziki's. What's your order? What do you want? And, and she was like, come in and eat with me. And I'm like, no. And I, I'm more like...

• 34:48George Kamel?

  You're like, no, no, it's fine.

• 34:49Rachel Cruze?

  Just like, and she's like, no, I want you. And I'm like, okay. Like, if they are adamant, because they like want to talk and hang out. And that's great. I think that's so fun.

• 34:56George Kamel?

  Yeah. And you stopped by, and you came in, and we hung out for a little bit.

• 34:59Rachel Cruze?

  I did. You actually made me a cocktail.

• 35:01George Kamel?

  That's right. A gin and tonic. What can I say?

• 35:04Rachel Cruze?

  And I think even then, I was like, guys, just kick, do not, I don't want to, I don't want to stay if you do not want me. And Whitney was so sweet. She's like, no, my God, just come here. So I helped Mia, and yep.

• 35:12George Kamel?

  Well, you also have to know, like, some people are a lot when they enter your house.

• 35:16Rachel Cruze?

  Yes.

• 35:16George Kamel?

  And some people, you know, they're not, they're not gonna take. They will give.

• 35:20Rachel Cruze?

  Yes, yes.

• 35:21George Kamel?

  So it depends on the person, and it's okay to set the boundary and be firm with it.

• 35:25Rachel Cruze?

  I had a, um, a friend come. She was, she was older. She had older kids. And she came, and I will never forget. She, um, she held Amelia, I think it was with Amelia, and she was like, just, she goes, leave for an hour. Just go into your room, shower, lay down, watch TV, do whatever you want, and I'll just be in the living room. With Amelia and if you need, you know, if I need you, I'll let you know. But and I came and Amelia, she was sleeping and she had done my dishes. Like all this stuff and I was like, that is like, that's just the best gift. Like one hour, what a gift, you know?

• 35:56George Kamel?

  Yes. We, we experienced that because Whitney had really tough pregnancy and then postpartum.

• 36:01Rachel Cruze?

  Hey, y'all had some stuff after.

• 36:02George Kamel?

  Abscess into scarlet fever.

• 36:03Rachel Cruze?

  Yes, I remember that, George.

• 36:05George Kamel?

  I thought that was like scurvy. I thought we eradicated it.

• 36:07Rachel Cruze?

  Just from little women.

• 36:08George Kamel?

  Yeah. So she was on the struggle bus where I was like, any warm body can enter my house and help.

• 36:13Rachel Cruze?

  I know.

• 36:13George Kamel?

  And that was such a gift for friends that showed up while I was at work. They would show up, do laundry, let her shower, whatever she needed to do, they would just show up.

• 36:20Rachel Cruze?

  Yes.

• 36:20George Kamel?

  And so be that friend if you can.

• 36:22Rachel Cruze?

  So sweet. I know. And don't bring your little kids that you think are so cute around the baby.

• 36:28George Kamel?

  Yeah, but no, my kids are great.

• 36:29Rachel Cruze?

  Yeah, my kid, don't worry.

• 36:30George Kamel?

  You might as well bring a rottweiler into the house.

• 36:32Rachel Cruze?

  And they're like running around and you're just like, oh my God, get out of my house. So don't bring your kids to see the baby.

• 36:38George Kamel?

  It's like bringing a zoo animal, being like, no, no, they're really well behaved.

• 36:41Rachel Cruze?

  They're really sweet.

• 36:43George Kamel?

  And then I'm cleaning up after your kids.

• 36:44Rachel Cruze?

  Yes.

• 36:46George Kamel?

  No, thank you.

• 36:46Rachel Cruze?

  Social awareness, everyone. Social awareness.

• 36:49George Kamel?

  Whew.

• 36:50Rachel Cruze?

  Especially for new moms.

• 36:51George Kamel?

  Yeah, just be self-aware and think, would I want someone to do this? And then the answer is still, let me ask.

• 36:56Rachel Cruze?

  Yeah, that's right. That's right. All right. Question number six, final one. What is the number one tip for financially preparing for the season?

• 37:03George Kamel?

  Oh, is there a number one tip? There's a lot here.

• 37:07Rachel Cruze?

  I've got a lot. Okay, so after delivery, raid your hospital room. They leave you. And you know what I did? This is, I learned this trick. I did it with Caroline Charles. I brought an extra little duffel and every night I would clean my stuff and put it in a duffel and they come back and restock you. Take it all again. Oh, it is, it is the best.

• 37:30George Kamel?

  The key teaching here is when you're paying for this delivery and labor, you're paying for all of the supplies that are in that room.

• 37:35Rachel Cruze?

  Yes.

• 37:36George Kamel?

  At any given moment.

• 37:36Rachel Cruze?

  So you can take it. Take it.

• 37:38George Kamel?

  Like a hotel shampoo.

• 37:39Rachel Cruze?

  And I'm going to say, ladies out there, if you've had a bit, you know this. The underwear they give you, the hospital underwear, it's amazing. You really can't find it anywhere else. So get a couple.

• 37:47George Kamel?

  I haven't heard about this.

• 37:48Rachel Cruze?

  And then the squirt, I mean, everything that's involved for you as a mom, take it all. Take it all as much as you can. Oh, it's the best. And then for the babies, my favorite was the little brush. Did you get, did y'all have this?

• 38:00George Kamel?

  Oh, yeah.

• 38:01Rachel Cruze?

  I took like four of those home.

• 38:04Rachel Cruze?

  Tons of diapers. They give you like tons of diapers and wipes, loaded up, creams, loaded up, circumcision, if you have a boy and he circumcised, all the, you'll learn this. Oh gosh, George, get ready for this. This will be new for you. All the ointment and all of that. Take all of that and the gauze.

• 38:23George Kamel?

  That's what I've always wanted.

• 38:25Rachel Cruze?

  I know.

• 38:25George Kamel?

  Ointment and gauze.

• 38:28George Kamel?

  How exciting.

• 38:29Rachel Cruze?

  Get ready, get ready.

• 38:31George Kamel?

  So here's the take.

• 38:33Rachel Cruze?

  Jenna knows.

• 38:33George Kamel?

  If it's, you just take everything if it's not plugged in or bolted in.

• 38:38Rachel Cruze?

  There you go. Do it all.

• 38:39George Kamel?

  Don't like take equipment, but you know, that's illegal. Taking this bed. Although Rachel loves a hospital bed.

• 38:45Rachel Cruze?

  I love a hospital bed. I love the hospital.

• 38:47George Kamel?

  I hated it vehement, like to where I'm confused.

• 38:50Rachel Cruze?

  I thrive.

• 38:50George Kamel?

  I think Whitney gave birth to the same hospital and I'm like, did we have a very different room? Did you have a presidential suite?

• 38:56Rachel Cruze?

  No, it wasn't big. I just love it. And the nurses come in and they take the, and that's it. I would say this now, some moms don't like this and it's fine. Just don't get mad at me. Let the nurses take the baby to the nursery at night so you can sleep. And then they will bring you that baby and you get to hold that baby, feed that baby and that baby leaves again. And then you get to sleep. And then during the day, you get to hold the baby all day and it's wonderful. But like, take advantage of the help there. That was my opinion, but everyone does it different.

• 39:22George Kamel?

  That is true because once you leave, it's just on you. Like I found them very unhelpful when we were leaving. We had a bad, we had like, what you don't realize is you have like six nurses while you're there. It's not like one person.

• 39:32Rachel Cruze?

  Yeah, no.

• 39:32George Kamel?

  Everyone's just shifting in and out. And so our last nurse was the most unhelpful.

• 39:36Rachel Cruze?

  Hmm.

• 39:37George Kamel?

  To where they're like, all right, just put the baby in that car seat and head out. I'm like, I don't even know how to do that. I thought they were supposed to like do that, help you take it to the car, make sure that the car seat's installed, safe. None of that.

• 39:49Rachel Cruze?

  Yeah, just walk out. And in Tennessee, you don't get a wheelchair. Some states, they wheel out the mom.

• 39:53George Kamel?

  Oh, that's nice.

• 39:54Rachel Cruze?

  Yeah, that would have been nice. We don't, we don't have that in Tennessee.

• 39:56George Kamel?

  And then driving home with that baby for the first time, I've never driven slower.

• 40:00Rachel Cruze?

  I know. Did Whitney sit in the backseat?

• 40:03George Kamel?

  I don't even remember. It was all a blur.

• 40:05Rachel Cruze?

  Okay, yeah.

• 40:05George Kamel?

  I slept very poorly. And let me just say dads, they're like mean to the dads. They do not care about you, which is understandable. The focus is on the mom. But goodness gracious, it was just like, I was chopped liver.

• 40:17Rachel Cruze?

  Yeah, they just, they just ignored you?

• 40:19George Kamel?

  Yeah.

• 40:20Rachel Cruze?

  Really?

• 40:20George Kamel?

  Yeah, like the doctor didn't even make eye contact with me when he would walk in the room. To where I was like, I'm here too. I might be shirtless in a corner looking disheveled, but I'm here too. I'm paying money to be here too.

• 40:33Rachel Cruze?

  Can I say this? I don't know why this reminded me, we're going off now. Do you know what pictures kind of cringe me a little bit on social media?

• 40:39George Kamel?

  The dad's shirtless holding the baby. Yes.

• 40:41Rachel Cruze?

  Skin on skin with the dad.

• 40:42George Kamel?

  I literally saw one today and I went, I'm gonna unfriend this guy. Don't post that.

• 40:48Rachel Cruze?

  I think it's important to do, like it's like an actual thing. I don't know why, it feels very vulnerable when I see.

• 40:53George Kamel?

  Capture it for you.

• 40:54Rachel Cruze?

  I just like, I shouldn't be seeing this.

• 40:55George Kamel?

  Capture it for you.

• 40:56Rachel Cruze?

  I know, isn't that funny?

• 40:57George Kamel?

  Do not post that on your, I don't want to see your chest.

• 40:59Rachel Cruze?

  Okay.

• 40:59George Kamel?

  I don't want to see your chest hair.

• 41:03George Kamel?

  It's gross. It's gross.

• 41:06Rachel Cruze?

  That baby's face.

• 41:09Rachel Cruze?

  George, I'm with you.

• 41:10George Kamel?

  I'm picturing it right now.

• 41:11Rachel Cruze?

  We are such on the same team this episode.

• 41:13George Kamel?

  I know.

• 41:13Rachel Cruze?

  We like have a lot of the same opinions.

• 41:15George Kamel?

  Let's talk finances.

• 41:16Rachel Cruze?

  So true.

• 41:17George Kamel?

  I'll give you my number, because we said tip financially.

• 41:19Rachel Cruze?

  Okay, yes, okay, sorry.

• 41:20George Kamel?

  The surprise does count, because you paid money for it.

• 41:22Rachel Cruze?

  Yeah, yeah.

• 41:22George Kamel?

  But researching the cost of your birth plan, I think is very wise. And they'll usually explain to you, if you pay attention, here's how much the total birth will cost out of pocket. That's the number you want to focus on. What is my total out of pocket cost? What does my insurance cover? What does it not cover? What is my out of pocket maximum? All of that stuff matters because you think, well, babies are expensive. Well, they're expensive up to a point, but insurance will kick in.

• 41:45Rachel Cruze?

  Yes, that's right. Yeah, so here's some just data from the past two to three years. So the average cost for pregnancy visits, hospital childbirth, postpartum care, all of that is around $18,865. Insurance typically covers about $16,011 of that, leaving you out of pockets with on average $2,854. So about three grand.

• 42:08George Kamel?

  The sticker shock just kind of faded away when you hear 18 grand and then heard less than three grand.

• 42:13Rachel Cruze?

  Yeah, that's right. That's right. Yep. So insurance is a wonderful, wonderful thing, for sure. And again, making sure that you're just planning ahead. So you've got nine months when you find out you're pregnant. So be thinking and putting some money away and you always want to pause, if you're on baby step two, that it snowball. So just pause that and just stockpile some money. And be saving, saving, saving, saving for this, saving for, you know, when they, when they come home. And you're starting to adjust to a new life. There's gonna be a new line item in your budget. If you're not doing a budget, EveryDollar, incredible budgeting app. But put a line item for baby in your EveryDollar budget because you're going to be spending money on that baby.

• 42:48George Kamel?

  Yes.

• 42:49Rachel Cruze?

  And just, and it takes a few months to kind of get in the rhythm of like, okay, are we doing formula? What kind of diapers are we buying and wipes? Like you get into your rhythm of how often you're needing to buy these things and all of it, so.

• 42:59George Kamel?

  That's a good reminder.

• 43:01Rachel Cruze?

  So give yourself a few months to kind of get in that rhythm and know what, how much it costs.

• 43:04George Kamel?

  And don't get overwhelmed by the cost because a lot of things will be covered by your registry. If you have a shower, people will want to buy things for you, especially if you have family. And on top of that, what we did was just buy a lot of things used. So the recliner, we got a nice like pottery barn recliner, but we got it used off Facebook. It was super cheap. Same with our crib. It was a high quality crib, used off Facebook. And so don't be afraid to go used. People are getting rid of baby stuff all the time. So you don't need to spend high dollar amount to get high quality.

• 43:30Rachel Cruze?

  Yep. So great. All right, George. So takeaways, you know, I think babies are wonderful, so fun. And I think you get to make a lot of decisions on what you're spending on them when it comes to like the gear and all of that. But, you know, I think it is one of, we talk about this a lot, is kind of putting the blinders on with your life. But especially the comparison thing is so real, so real. And especially if you're a new mom, it like piles on even more. So doing what is best for you guys and staying within your budget. Don't go into debt for this stuff. Uh, but there's something about just like getting in the habit and the rhythm of making decisions that's best for you. So epidural or not, let the nurse take the baby or not, nurse or bottle feed?

• 44:13Rachel Cruze?

  Or, you know what I mean? Like you, you get to make these decisions for what's best for you. And so remember that, be very secure in it. That's what I would tell new mom Rachel.

• 44:22George Kamel?

  That's really good. I'll add to that. There are so many unknowns and you will never have it figured out. I don't care how many books you read. You just figure it out on the fly.

• 44:31Rachel Cruze?

  Yes.

• 44:32George Kamel?

  Just like marriage. You can do premarital counseling, but until you live together and deal with all the actual realities of it, you just don't know. And so I would say, jump into it, figure it out. And rarely will you ever find someone to look back and said, I wish we never had kids. Kids are truly a wonderful blessing. And it's hard, just like marriage is hard.

• 44:50Rachel Cruze?

  That's right.

• 44:50George Kamel?

  But marriage is still worth it. And so I'd recommend it to anyone out there who's wondering, should you have a kid? Do it. Cause I truly, I have not felt that level of joy in my life.

• 44:59Rachel Cruze?

  No.

• 45:00George Kamel?

  As looking that baby's eye, especially when you can like, they get older, you can interact with them. Cause for the dads out there, you think like, oh, having a baby is going to be fun. Have this little person. They're really not fun for the first like six months to a year. They give you nothing.

• 45:13Rachel Cruze?

  They just lay there.

• 45:15George Kamel?

  As someone who wants to get a, you know, needs some applause, some affirmation. It took a good year, year and a half for that baby to even like smile at me.

• 45:23Rachel Cruze?

  Oh, my gosh.

• 45:24George Kamel?

  But now we can get her to laugh and it's the best thing.

• 45:26Rachel Cruze?

  Sweet.

• 45:27George Kamel?

  It's the best.

• 45:27Rachel Cruze?

  So great. Oh, so fun, George.

• 45:30George Kamel?

  If I can be a dad, anyone can be a dad.

• 45:33Rachel Cruze?

  George can do it, you can do it.

• 45:34George Kamel?

  You can Google it. We have ChatGPT now. Our parents didn't have this.

• 45:38Rachel Cruze?

  That's right.

• 45:38George Kamel?

  You'll be okay.

• 45:39Rachel Cruze?

  You're a great dad, George. All right, before we spill the tea on our guilty as charged, uh, tell us about the drink.

• 45:45George Kamel?

  All right, here's the drink. The Bourbon Orange costs $4.46 per class.

• 45:50Rachel Cruze?

  It's up there.

• 45:51George Kamel?

  It's up there. And the ingredients are bourbon, fresh sumo citrus juice. Orange juice will work as well. I don't even know what sumo citrus is. Orange liqueur, a little simple syrup for sweetener, orange bitters and some soda water to add a little bubbly to it.

• 46:05Rachel Cruze?

  Okay.

• 46:05George Kamel?

  I thought it was nice. It kind of felt like a brunchy drink.

• 46:09Rachel Cruze?

  Yeah.

• 46:10George Kamel?

  I don't know that I would order it at a restaurant.

• 46:13Rachel Cruze?

  I don't think I would either.

• 46:14George Kamel?

  Just give me a mimosa or a Bloody Mary. I'm gonna go six. I think six and a half is generous.

• 46:19Rachel Cruze?

  And Michael's gonna get mad at us cuz he like, he didn't like the ice that we used this drink. But the ice melted, so I did kinda make it watery.

• 46:26George Kamel?

  Yeah. It got watered down pretty quick, which he warned us about.

• 46:30Rachel Cruze?

  I know.

• 46:30George Kamel?

  Still a good drink. I just, it's not something that I would order, which is Rachel's take on how you rate these.

• 46:35Rachel Cruze?

  I'm gonna say, yep, six and a half.

• 46:37George Kamel?

  Hey, maybe you will love it. Give it a try. Recipe's in the show notes. Let us know what you think.

• 46:41Rachel Cruze?

  Alright, now it's time for Guilty as Charged. And this is where we ask each other a guilty charge question every week, and if we're guilty, we take a sip. Alright, George, you ready?

• 46:50George Kamel?

  Yes.

• 46:52Rachel Cruze?

  This is funny. Have you ever told someone you loved them without meaning to?

• 46:56George Kamel?

  Oh, gosh. Someone that was not your spouse or family?

• 47:00Rachel Cruze?

  I did.

• 47:01George Kamel?

  Like a stranger?

• 47:02Rachel Cruze?

  No, to Jeremy Breland. He's my boss. We were on the phone about something. I was traveling and all this, and we're like, this, this, this, this. And I was like, alright, love you, bye. And I was like, oh my gosh, no, I don't care.

• 47:15George Kamel?

  But had you already hung up? Or was it not late, like?

• 47:18Rachel Cruze?

  No, and he started laughing. He's like, it's okay. And I know Jen, his wife, like, she's so great.

• 47:22George Kamel?

  He gets that a lot.

• 47:23Rachel Cruze?

  He's like, I do that, you know. He's like, oh, I've done that, don't worry.

• 47:25George Kamel?

  He is a lovable guy.

• 47:26Rachel Cruze?

  It made me laugh, though. I was like, I cannot believe I just told Jeremy Breland I loved him, getting off the phone.

• 47:29George Kamel?

  I will say, I do it, but I mean it. I'll do it to like, if Winston was on the phone with you right now and you said, alright, love you, I would chime in, "Love you, Winston."

• 47:37Rachel Cruze?

  Thanks, Winston. Love you. Oh, gotcha, yeah, yeah, yeah.

• 47:40George Kamel?

  So I do it to troll, but I also mean it.

• 47:42Rachel Cruze?

  Not on accident, though.

• 47:43George Kamel?

  Well, it's a troll, but I can secretly mean it, and he doesn't know.

• 47:46Rachel Cruze?

  Oh, you're kinda being vulnerable, but you're not.

• 47:49George Kamel?

  But truly being vulnerable.

• 47:49Rachel Cruze?

  Sweet, George.

• 47:50George Kamel?

  Cuz I do love Winston.

• 47:51Rachel Cruze?

  But all wrapped in humor.

• 47:52George Kamel?

  Isn't it a Smart Money Happy Hour episode if I don't show love to Winston? But I do, you know what I do when they say like, "Have a good flight," I'm like, "You too." I'm like, "You're not going on the flight."

• 48:02Rachel Cruze?

  Oh, I know.

• 48:02George Kamel?

  You work in the airport. What am I thinking?

• 48:04Rachel Cruze?

  People, though, cringe that they do that.

• 48:07George Kamel?

  It's very cringey.

• 48:08Rachel Cruze?

  I know.

• 48:08George Kamel?

  It's a very human experience.

• 48:10Rachel Cruze?

  Yes, I know.

• 48:10George Kamel?

  To have that level of regret.

• 48:12Rachel Cruze?

  Yeah, the waiter's like, "Hope you're enjoying the meal." You're like, "You too." I hope you got to eat today. Sorry. I hope everything's okay. Oh, well, make sure to DM us your guilty as charged questions and hopefully in the future, we'll use them on an episode. So if you guys enjoyed this episode, you'll definitely enjoy the episode with my kids, Amelia and Caroline. One of my favorites. I left Charles out of this one. But make sure to check out Putting Our Financial Knowledge to the Test with some special guests. So you can click there to watch that episode, or we'll put a link in the description. And make sure to subscribe to the channel so you don't miss an all new episode of Smart Money Happy Hour.