Date Nights from $0 to $10,000? We’ve Got You Covered!

📈 Are you making these four common investing mistakes? Get our free Investing Guide and find out. Is it actually possible to plan a quality date night at any budget level? In this episode, you’re going to find out! George and Rachel are looking at real-life, real-budget scenarios and creating fun date nights on the spot. Next Steps: 🎥 Watch our video Men vs. Women: Who Handles Money Better? 🍸 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. 💵 Sign up for EveryDollar today to create a free budget. Connect With Our Sponsors: Check out the FAIRWINDS Credit Union exclusive account bundle. Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Ragg’s Rye-Tai Recipe: Gastrohub · 3/4 ounce lemon juice · 3/4 ounce pineapple juice · 1/2 ounce orgeat · 1/2 ounce amaretto · 2 ounces Elijah Craig rye whiskey Instructions: Add all ingredients to a tin, and whip shake. Pour drink into glass, then add a GENEROUS amount of crushed/pebble ice until it’s pouring over. Add a couple dashes of angostura bitters to the top of the ice mountain. Garnish with some clean pineapple leaves and a pineapple chunk and cheers! 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?

  Are you a cheap date? And is that a dig or a new badge of honor? Today, we're talking cheap date nights.

• 0:11Rachel Cruze?

  Those quirky moments in life that you just, that bring laughter. It's what you need.

• 0:15George Kamel?

  That's what you need.

• 0:16Rachel Cruze?

  I like it.

• 0:16George Kamel?

  They're in crippling debt, Rachel. I'm trying to help this couple out.

• 0:19Rachel Cruze?

  They have $40. Why are you taking back your idea?

• 0:20George Kamel?

  Don't pin this on me.

• 0:27Rachel Cruze?

  Hey, guys, I'm Rachel Cruz.

• 0:29George Kamel?

  I'm George Kamel.

• 0:31Rachel Cruze?

  And this is?

• 0:32George Kamel?

  Smart Money Happy Hour.

• 0:39Rachel Cruze?

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

• 0:45George Kamel?

  And as we get started, let's talk about what we're sipping on. It is a rye tie.

• 0:50Rachel Cruze?

  Oh, instead of a Mai Tai.

• 0:52George Kamel?

  Very clever.

• 0:53Rachel Cruze?

  Okay.

• 0:55George Kamel?

  We're going to give you our rating and reveal the cost per glass at the end of the episode, so stick around for that.

• 1:00Rachel Cruze?

  All right, George, we've been married, Winston and I, for about, heading on to 16 years.

• 1:07George Kamel?

  Wow.

• 1:08Rachel Cruze?

  When this episode launches, we'll be close to it. What about you guys? You guys are?

• 1:11George Kamel?

  We're heading towards eight.

• 1:12Rachel Cruze?

  Towards eight, okay.

• 1:13George Kamel?

  Barreling, I would say, towards eight.

• 1:14Rachel Cruze?

  Do you say barreling?

• 1:16George Kamel?

  Yeah.

• 1:16Rachel Cruze?

  What does that mean?

• 1:17George Kamel?

  It means we're, it's rough and tumble, and we're speeding our way through it.

• 1:20Rachel Cruze?

  All the way through.

• 1:21George Kamel?

  Yeah, life is crazy.

• 1:22Rachel Cruze?

  I mean, you're having babies, moving houses.

• 1:23George Kamel?

  It's a lot.

• 1:24Rachel Cruze?

  Y'all are doing a lot. But do you feel like y'all's date nights have changed over the years? Like, when you think about, like, when you were, like, dating to newly married to now?

• 1:33George Kamel?

  Oh, yeah. It feels like we were constantly, like, when you're first dating.

• 1:36Rachel Cruze?

  Yes.

• 1:36George Kamel?

  Every night's a date night.

• 1:38Rachel Cruze?

  Yeah.

• 1:39George Kamel?

  And now that we're married with a kid?

• 1:41Rachel Cruze?

  Yeah. I'm talking about, like, not frequency, like, types, like, the quality of the dates.

• 1:48George Kamel?

  Quality, I would say.

• 1:49Rachel Cruze?

  Or y'all were both professionals, like, when you guys were dating.

• 1:52George Kamel?

  Thank you for saying that.

• 1:53Rachel Cruze?

  You're welcome. You're so professional.

• 1:55George Kamel?

  We were both working professionals.

• 1:56Rachel Cruze?

  Yes, so y'all had, like, actual salaries and income coming in.

• 1:59George Kamel?

  Yes.

• 2:00Rachel Cruze?

  So do you feel like you had better date nights, or no?

• 2:02George Kamel?

  I would say the... The quality has increased, but the frequency has decreased.

• 2:08Rachel Cruze?

  Yes, and that's a reality.

• 2:10George Kamel?

  And I feel like we're not trying, no one's trying to impress anyone anymore. So it's just like, what, okay, what's your go-to spot versus let's go somewhere fancy and get dressed up?

• 2:17Rachel Cruze?

  Oh, yes, and try to like make it all creative, yeah. See, we started dating when we were like college students.

• 2:22George Kamel?

  Oh, so you guys were like broke? What were you doing early on for dates?

• 2:26Rachel Cruze?

  Um, we went to Chili's a lot.

• 2:28George Kamel?

  So like UT Knoxville, I'm trying to picture the local Chili's.

• 2:31Rachel Cruze?

  So there was a place in Knoxville, I think it's, it's just changed so much since we've been there. And it was called the Strip, and it was the, it was the road right outside of, like the campus line was like literally right behind it. So they could have bars and all this stuff on the streets.

• 2:49George Kamel?

  It was built for the college essentially. They're like, this is gonna be.

• 2:51Rachel Cruze?

  But it's like where, um, like Firehouse Subs was and like, um, there was a place called Sunspot. All the girls know that place.

• 2:58George Kamel?

  Was that tanning?

• 2:59Rachel Cruze?

  And, no, but there was tanning. I did a tan, that was, that was the generation of tanning beds, that was before spray tans.

• 3:05George Kamel?

  What happens at Sunspot?

• 3:06Rachel Cruze?

  Oh, Sunspot, it's where I had hummus for the first time.

• 3:09George Kamel?

  I'm sorry.

• 3:10Rachel Cruze?

  It was like a hip, it was like, it'd be like considered like a hippie spot from 20 years ago.

• 3:15George Kamel?

  But they have tanning beds?

• 3:17Rachel Cruze?

  No, separate, no, no, no, no, separate.

• 3:19George Kamel?

  Scared me, I was like, how did this pass code?

• 3:22Rachel Cruze?

  I'm eating hummus in the tanning bed, no, no, there was a tanning salon on the Strip. Anyway, I'll just say there was a Chili's on the Strip, this is where I'm getting. And the, yeah, we'd get chips and salsa and.

• 3:36George Kamel?

  That's not free at Chili's.

• 3:38Rachel Cruze?

  And then we'd get the, the chocolate molten cake.

• 3:40George Kamel?

  Oh.

• 3:41Rachel Cruze?

  That was like what we ate.

• 3:42George Kamel?

  Chip, salsa and cake, so apps and desserts, water, that's a cheap date.

• 3:46Rachel Cruze?

  Yeah, we did that a lot, and then Winston, I thought of this the other day, he made up a thing called hammock hunting. So he had one of those like outdoorsy hammocks from like REI, like camper hammocks.

• 3:59George Kamel?

  All hammocks outdoorsy?

• 4:01Rachel Cruze?

  No, there's some like.

• 4:02George Kamel?

  Indoor hammocks?

• 4:03Rachel Cruze?

  No, it was like frou-frou hammocks.

• 4:05George Kamel?

  Oh, got it.

• 4:06Rachel Cruze?

  This was like the kind you like roll up and put in a sack. Yeah, and he, we would like go around Knoxville and find like a fun, cool spot. Cause there's like, it's kind of mountain, like I don't know, Knoxville's kind of.

• 4:16George Kamel?

  Like, oh, there's two trees pretty close together, that's our spot.

• 4:18Rachel Cruze?

  And we totally, yeah, we'd go hammock hunting.

• 4:22George Kamel?

  I didn't know, if you ever wanted to know. Who invented hammock hunting, Winston Cruz?

• 4:25Rachel Cruze?

  What did you do? What was y'all's first dates?

• 4:28George Kamel?

  Oh, gosh, I mean, probably like splitting a Chipotle bowl.

• 4:34George Kamel?

  I feel like that's as romantic as it gets.

• 4:37Rachel Cruze?

  Actually, very economical. That's smart. That's smart.

• 4:39George Kamel?

  You know, we weren't making much money.

• 4:41Rachel Cruze?

  Yeah.

• 4:41George Kamel?

  But we had love.

• 4:42Rachel Cruze?

  There you go. That's all you need.

• 4:43George Kamel?

  Gets you far.

• 4:44Rachel Cruze?

  That's all you need.

• 4:45George Kamel?

  Yeah, well, the way I look at it, making out is free. And so if you're looking at options on a spectrum.

• 4:50Rachel Cruze?

  It's true.

• 4:51George Kamel?

  Fine dining to a little kissy kiss. Sorry, this episode.

• 4:55Rachel Cruze?

  Hammock hunting.

• 4:56George Kamel?

  Not safe for homeschoolers. Just want to make that clear. We just got edgy a little. I mean, it's date night, right? There's romance involved. We can say it.

• 5:03Rachel Cruze?

  Let's hope so. If not, there shouldn't be a second date.

• 5:05George Kamel?

  Some people kiss. I don't want to be the first one to tell you that.

• 5:09Rachel Cruze?

  We don't want to spoil it for everyone.

• 5:10George Kamel?

  And two people love each other.

• 5:12Rachel Cruze?

  Oh, my gosh.

• 5:13George Kamel?

  That's a good one. Well, there's a dozen relationship experts out there that say just because you're married doesn't mean you should stop dating your spouse.

• 5:20Rachel Cruze?

  And what does also happen in relationships is conflict, obviously. And financial stress is one of those places that is very real when it comes to some conflict.

• 5:29George Kamel?

  Date nights cost money, turns out.

• 5:31Rachel Cruze?

  That's right.

• 5:31George Kamel?

  And so do babysitters. That's the part they don't tell you.

• 5:33Rachel Cruze?

  Oh, that's another great one.

• 5:35George Kamel?

  Sometimes the babysitter was more expensive than the actual date.

• 5:38Rachel Cruze?

  I know. I know. Do you pay babysitters differently depending on like their age? Like if they're like a young working professional versus a high schooler?

• 5:46George Kamel?

  Uh, they, I mean, the high schoolers charge less. That's the nice part, but I also have less trust in them, to be fair.

• 5:53Rachel Cruze?

  And you've got little, like little, little ones.

• 5:55George Kamel?

  Yes.

• 5:56Rachel Cruze?

  So, yeah, that's fair.

• 5:57George Kamel?

  But I feel like no one told me, in my mind, babysitting was still $10 an hour. And in reality, it's 20, 25 an hour.

• 6:05Rachel Cruze?

  I know.

• 6:05George Kamel?

  And so that adds up. If you're gone for four hours, you go downtown, a little two hour dinner. You race back, that's still like four hours, right there.

• 6:11Rachel Cruze?

  Hundred percent.

• 6:12George Kamel?

  Hundred bucks.

• 6:13Rachel Cruze?

  Oh, yeah. We have a babysitting line item in our every dollar budget because of it. Because stuff happens and you're like, okay, gotta get a sitter.

• 6:19George Kamel?

  That did help me stomach it, to have it in my every dollar budget, to just say babysitting. Then I went, no, no, no, we planned $200 this month for babysitting. I don't need to feel like I got scammed here.

• 6:28Rachel Cruze?

  We're getting to that stage where like you don't have to have a babysitter anymore.

• 6:32George Kamel?

  Cannot wait.

• 6:32Rachel Cruze?

  We're almost there and that's crazy.

• 6:34George Kamel?

  That's a good life. Well, in a survey of more than 2,000 people in long-term relationships, 44% worry that discussing finances will lead to disagreements.

• 6:44Rachel Cruze?

  Okay.

• 6:44George Kamel?

  Interesting. So they don't even want to talk about it because they don't want to go there. It's like a minefield.

• 6:48Rachel Cruze?

  Which is such like a counterintuitive thing because going there and the hard conversations is where you create intimacy and like deep connection.

• 6:57George Kamel?

  And it's where you figure out, oh, I should actually marry this person or we are not compatible.

• 7:02Rachel Cruze?

  Compatible with it. Yeah. But I'm like, that's how you decide. Don't stay shallow, people.

• 7:07George Kamel?

  No, no, no.

• 7:07Rachel Cruze?

  Get in there. Get in there.

• 7:08George Kamel?

  Brush it under the rug and hope for the best.

• 7:10Rachel Cruze?

  Just cross your fingers.

• 7:11George Kamel?

  That's a strategy.

• 7:12Rachel Cruze?

  Yeah, that's what I have learned. The places in marriage are like, oh, I don't want to bring that up. That's what you need to bring up. That's the exact thing. Because then it does create.

• 7:20George Kamel?

  It will come back to haunt you.

• 7:21Rachel Cruze?

  And it could create a little friction, a little tension, but through that is where intimacy is created.

• 7:26George Kamel?

  Don't you miss the days when you didn't have a fight and you could like, you had a scoreboard like, we haven't fought ever? You know what I mean? Like when you're first dating?

• 7:34Rachel Cruze?

  Yeah.

• 7:35George Kamel?

  I don't think we had a single disagreement for six months.

• 7:38Rachel Cruze?

  That's impressive, George.

• 7:40George Kamel?

  Because you're trying to just, you know, be very agreeable and winsome and charming.

• 7:45Rachel Cruze?

  Yeah.

• 7:46George Kamel?

  I turned that down real quick. Once, once things got serious, once I put a ring on it.

• 7:51Rachel Cruze?

  You said, once you put a ring on it, then the real George came out.

• 7:54George Kamel?

  Listen, an engagement is the true test because you turn into completely different people. I'm not going to say true colors because marriage and weddings turn you into something that you really aren't. It's the most stressful thing to plan.

• 8:07Rachel Cruze?

  Yeah, yeah.

• 8:08George Kamel?

  And so it just brings out a lot of stress. There's a lot of pressure, a lot of opinions.

• 8:11Rachel Cruze?

  Do you have a lot of fights in that?

• 8:13George Kamel?

  Um, I wouldn't, we were all aligned. It was more the boundary fights.

• 8:16Rachel Cruze?

  Guy, though. Like a dude like Winston, I feel like was kind of like, sure.

• 8:20George Kamel?

  Get the flowers. I'm like, well, have you got three bids?

• 8:22Rachel Cruze?

  He's like, I don't care. I don't know. I feel like you would have opinions.

• 8:25George Kamel?

  Yeah, my opinions are more on the financial side.

• 8:28Rachel Cruze?

  Okay.

• 8:28George Kamel?

  The Middle Eastern in me goes, I'm not getting hosed by this vendor.

• 8:31Rachel Cruze?

  And you're going to get in there.

• 8:32George Kamel?

  Have we got three bids and pin them against each other?

• 8:35Rachel Cruze?

  We're going to bring them all together, have them fight it out.

• 8:38George Kamel?

  I just did that with painters and boy, oh, boy, what a bloodbath that was.

• 8:43Rachel Cruze?

  You pinned them against each other?

• 8:45George Kamel?

  Yeah.

• 8:46Rachel Cruze?

  Stop it.

• 8:46George Kamel?

  It's not pinned. I didn't pin them, but I got a few bids.

• 8:49Rachel Cruze?

  And you told Harry, you said, hey, Chuck over there charged me this. Hey Chuck, did you lie at all?

• 8:55George Kamel?

  No, I didn't lie. I just said, hey, you're, you know, we, we, we got it covered. Found a, found a better quote. Appreciate your time.

• 9:03Rachel Cruze?

  And then they come back? Were you doing that on purpose to like?

• 9:05George Kamel?

  No.

• 9:06Rachel Cruze?

  Try to see if they would lower the price?

• 9:07George Kamel?

  But it does work.

• 9:07Rachel Cruze?

  It does.

• 9:08George Kamel?

  If they want the job.

• 9:09Rachel Cruze?

  Yeah.

• 9:09George Kamel?

  They might be willing to negotiate. So that's the haggler in me.

• 9:12Rachel Cruze?

  Wow, George, you sound like a delight.

• 9:14George Kamel?

  I'm exhausted.

• 9:15Rachel Cruze?

  You are exhausted.

• 9:16George Kamel?

  I know I'm not on the table, but never marry me. It's not a life.

• 9:19Rachel Cruze?

  I know I'm not available.

• 9:21George Kamel?

  You want to sign up for.

• 9:22Rachel Cruze?

  But just don't do it. Just don't do it.

• 9:24George Kamel?

  So like you said, it's through this financial transparency, this intentionality that couples are able to build intimacy and trust, which is what the entire relationship is built on. And you grow closer when you prioritize money and dating together as a couple.

• 9:36Rachel Cruze?

  Yeah, for sure. And I think the creativity in dating your spouse and all of that, you know, there's some fun ideas out there. And so we're going to go over some of them because a lot of people are looking to save money. You have a budget for the date nights and it's not a free for all, right? You're like, okay, we have a certain amount. How can we be creative about this? Well, we're going to dive into some more creative ideas and Georgia's marital advice, which is priceless, but.

• 9:59George Kamel?

  The way you said that was condescending at this.

• 10:02Rachel Cruze?

  Before we dive into that, we have a new sponsor, George, on the show.

• 10:06George Kamel?

  Yes.

• 10:07Rachel Cruze?

  Which I'm really excited about.

• 10:08George Kamel?

  It's not every day you get a new partner.

• 10:10Rachel Cruze?

  I know.

• 10:10George Kamel?

  To help keep the show alive.

• 10:11Rachel Cruze?

  But this is Fairwins. So Fairwins is incredible because they are a credit union. They are not a bank. And where you keep your money is really important. And more people are realizing this than ever because when you work with these massive banks, it's so hard to like build relationships, get a person.

• 10:29George Kamel?

  You're just a number.

• 10:30Rachel Cruze?

  It's really difficult. Yeah. So if you're budgeting and saving and working your way out of debt, your bank shouldn't be working against you. It should be working for you. It should be on your team and make your life easier. And so that is why we love Fairwins because again, they are not a bank. They are a credit union, which means that they are owned by people they serve.

• 10:48George Kamel?

  I love that. Give the power back to the people. And here's the best part, they're not gonna. Lets you experience terrible junk fees with your account.

• 10:56Rachel Cruze?

  That's right.

• 10:57George Kamel?

  And then they're online, so you can access this from anywhere in the country. It's the best.

• 11:01Rachel Cruze?

  Yeah.

• 11:01George Kamel?

  And their whole mission is showing people how to win with money, not making money off of your debt. And so they've partnered with us at Ramsey to support people who are serious about taking control of their finances. And they have a custom smart checking and savings bundle designed specifically with Ramsey fans in mind. So it's simple, practical, lines up with the baby steps.

• 11:18Rachel Cruze?

  Yeah, so it's super easy to get started, you guys. Winston and I did it, and it was honestly way more easier than I was expecting. Like even when we were doing it and signing up for our account.

• 11:27George Kamel?

  You might say it was a breeze.

• 11:28Rachel Cruze?

  So head to fairwins.org/Ramsey and open your account today. All right, George, we've got a few scenarios in the old fishbowl.

• 11:36George Kamel?

  Love it.

• 11:37Rachel Cruze?

  We're gonna pick out.

• 11:37George Kamel?

  Good use out of that fishbowl. That was worth the investment.

• 11:40Rachel Cruze?

  I love the fishbowl, because it kind of keeps you on your toes. You never know what's gonna...

• 11:44George Kamel?

  It's like improv. You gotta stay with it.

• 11:46Rachel Cruze?

  Do you want to go first?

• 11:47George Kamel?

  Sure.

• 11:47Rachel Cruze?

  You want me to?

• 11:48George Kamel?

  All right, here's our first scenario. And we're gonna try to give the people some good advice. Here's the scenario. An empty nester couple has been married for 30 years. They've been consumer debt free for 10 years, and they just paid off the house.

• 12:02Rachel Cruze?

  Amazing.

• 12:03George Kamel?

  Together, they bring in $9,500 of income next month with minimal cost of living expenses. Now the house is paid off. How should they celebrate?

• 12:12Rachel Cruze?

  Oh.

• 12:12George Kamel?

  Take a trip, a shopping spree? What do you think?

• 12:15Rachel Cruze?

  I'm going trip. All day.

• 12:17George Kamel?

  I'm going both.

• 12:19Rachel Cruze?

  Wow, Mr. Spender over here.

• 12:21George Kamel?

  Well, I mean, look at this. They're in Baby Step 7, paid for house, making 10 Gs a month.

• 12:26Rachel Cruze?

  Yeah.

• 12:27George Kamel?

  Let's live it up.

• 12:28Rachel Cruze?

  So well, let's wait like two to three months, save up some of that.

• 12:31George Kamel?

  Yep.

• 12:31Rachel Cruze?

  And then just go and enjoy.

• 12:33George Kamel?

  Yeah, because it sounds like they have a lot of expendable income. So let's say they save up 10 grand. Here's my pitch.

• 12:38Rachel Cruze?

  Okay, go.

• 12:39George Kamel?

  They go to Paris, and they buy her a Louis in Paris.

• 12:43Rachel Cruze?

  Oh, my gosh. Look at this guy.

• 12:45George Kamel?

  Combining the shopping spree with the trip.

• 12:48Rachel Cruze?

  That's fun. You know what? I think getting a piece of something, a jewelry, a purse, something that's gonna last a long time to mark moments in life, I think is really special.

• 12:57George Kamel?

  Yeah, because then you use the purse, but it's reminding you of that amazing trip.

• 13:01Rachel Cruze?

  Of what happened. George, you win this one. I don't say that very often.

• 13:04George Kamel?

  And can I say, I want to do this with Whitney. That's why it was on my mind. Not anytime soon, sweetheart, but one day. Don't get any ideas.

• 13:13Rachel Cruze?

  Don't get your hopes up, Whitney, but.

• 13:16George Kamel?

  But that sounds fun.

• 13:17Rachel Cruze?

  That's so great. Okay, it's going to Europe. Is it, are y'all like itching to go?

• 13:20George Kamel?

  Very much so.

• 13:21Rachel Cruze?

  You are. I feel like everyone's going. Do you feel like that?

• 13:23George Kamel?

  Well, our friends just went to London, had an amazing time. Another friend went to Italy. It looked incredible. And so now I'm just kind of jonesing.

• 13:30Rachel Cruze?

  Okay.

• 13:31George Kamel?

  As they say.

• 13:31Rachel Cruze?

  That's so funny. I don't have that itch.

• 13:33George Kamel?

  Where do you want to go?

• 13:35Rachel Cruze?

  The beach.

• 13:36George Kamel?

  Oh, okay. Any beach?

• 13:37Rachel Cruze?

  Yeah, just give me some ocean and a.

• 13:42George Kamel?

  And a raitai.

• 13:43Rachel Cruze?

  I was like, I can't remember what it was called.

• 13:45George Kamel?

  Yeah, you're not as, uh, you're not as like adventure, like you want to just chill.

• 13:49Rachel Cruze?

  I know.

• 13:49George Kamel?

  Good book, good scenery. You're not looking.

• 13:51Rachel Cruze?

  And I'm going to be honest, and I think it's the kids that are holding me back, George.

• 13:55George Kamel?

  Wow. Hey, kids, when you watch this episode one day, know that you're holding back your mother from living her best life.

• 14:00Rachel Cruze?

  I feel like going like on a 10 day, that's hard. I mean, that's hard. I know people do it a lot with kids.

• 14:06George Kamel?

  Yeah.

• 14:06Rachel Cruze?

  That just feels like a lot.

• 14:07George Kamel?

  Empty nesters, you could go away for two or three weeks.

• 14:09Rachel Cruze?

  So that's what I'm saying. So when we dropped Charles off at college, I'm out of here. I'm out of here. Hola.

• 14:16George Kamel?

  Where are you going?

• 14:17Rachel Cruze?

  I don't know. I'm just gonna go to a different country and I'm gonna just enjoy it.

• 14:20George Kamel?

  One that speaks Spanish, I assume.

• 14:22Rachel Cruze?

  Chao. I'll go to Italy.

• 14:24George Kamel?

  Perfect. Some bonjour thrown in there?

• 14:27Rachel Cruze?

  Some bonjour, yes. I will.

• 14:29George Kamel?

  A little salam alekum?

• 14:31Rachel Cruze?

  See?

• 14:31George Kamel?

  We are not going to the Middle East, apparently.

• 14:35Rachel Cruze?

  Take me there.

• 14:36George Kamel?

  Morocco?

• 14:37Rachel Cruze?

  I'll go anywhere.

• 14:37George Kamel?

  You would love Morocco.

• 14:38Rachel Cruze?

  I believe it. You know where I want to go? Um, Dubai.

• 14:43George Kamel?

  Oh, really?

• 14:43Rachel Cruze?

  Yeah. Won't that be cool?

• 14:46George Kamel?

  Okay.

• 14:47Rachel Cruze?

  I feel like that would be fun.

• 14:48George Kamel?

  I feel like it's just like Middle Eastern Miami.

• 14:50Rachel Cruze?

  When the Real Housewives went, I was like, that looks super cool.

• 14:53George Kamel?

  I feel like there's, there's not as much culture there.

• 14:56Rachel Cruze?

  No.

• 14:56George Kamel?

  As other, it's just a melting pot of, you know, rich people, essentially.

• 15:00Rachel Cruze?

  And I'll be like this.

• 15:00George Kamel?

  Rach was like, swing me up.

• 15:02Rachel Cruze?

  Well, my Amazon sunglasses doing this.

• 15:06George Kamel?

  You could fake your way through Dubai. I could see that.

• 15:08Rachel Cruze?

  I could pretend.

• 15:09George Kamel?

  That's fun. Okay, I think we got it. They need, they need a long getaway for the empty nesters.

• 15:13Rachel Cruze?

  Wow, are we living vicariously through these empty nesters that are on Baby Step 7? Maybe. All right, let's go back to the beginning, George, with the scenario. Take that plane and go back in time.

• 15:22George Kamel?

  Oh, it's a plane. I didn't, I didn't think planes made that sound when they make a U-turn.

• 15:26Rachel Cruze?

  I don't know. An engaged couple is a month away from their wedding. They're cash flowing it responsibly with a little help from their parents. But they're feeling lost in the details of wedding planning and want to reconnect before the big day. They have a budget of a hundred dollars. Any ideas?

• 15:45George Kamel?

  Hundred bucks. Oh, you're not gonna like mine.

• 15:49Rachel Cruze?

  I'm so simple. Or low maintenance, whichever you want to call it. I know mine.

• 15:54George Kamel?

  Have people said you're low maintenance?

• 15:56Rachel Cruze?

  I don't know. I just, well, what I'm about to say is pretty low maintenance.

• 15:59George Kamel?

  Okay.

• 16:00Rachel Cruze?

  You're gonna say, don't spend it.

• 16:02George Kamel?

  No, no, I'm gonna, they definitely need a break.

• 16:03Rachel Cruze?

  Okay, okay.

• 16:04George Kamel?

  Like, wedding planning is super stressful.

• 16:05Rachel Cruze?

  Yes.

• 16:06George Kamel?

  You're probably just on the, there's a lot of fear and stress and unknowns.

• 16:09Rachel Cruze?

  They want to reconnect. They need to go have fun.

• 16:13George Kamel?

  Yes.

• 16:13Rachel Cruze?

  So more than just a dinner.

• 16:15George Kamel?

  I think they need to do an experience they've never done before and take a little risk with it.

• 16:19Rachel Cruze?

  Yes.

• 16:19George Kamel?

  Like a Groupon.

• 16:20Rachel Cruze?

  Like, go trapeze.

• 16:22George Kamel?

  Yes.

• 16:22Rachel Cruze?

  Swinging or something.

• 16:24George Kamel?

  A Groupon for trapeze. That's as risky as it gets.

• 16:26Rachel Cruze?

  I know. How funny would that be? Go roller skating.

• 16:30George Kamel?

  I would make sure to get life insurance before doing this, by the way.

• 16:33Rachel Cruze?

  Yeah, that probably is true. Yeah, don't break a leg. Oh, how horrible would that be? Like a meet the parents situation.

• 16:37George Kamel?

  I would not do something too physical. You're right. I take it back.

• 16:40Rachel Cruze?

  Yeah, don't do that.

• 16:41George Kamel?

  Mini golf?

• 16:42Rachel Cruze?

  Yeah, safe.

• 16:43George Kamel?

  Very few mini golf injuries.

• 16:44Rachel Cruze?

  Super, super safe.

• 16:45George Kamel?

  I probably should Google it now. There's like, there's a thousand mini golf injuries.

• 16:48Rachel Cruze?

  Do Topgolf. That's, I think that's more fun.

• 16:51George Kamel?

  Really?

• 16:53Rachel Cruze?

  Yeah. You just swing it as hard as you can.

• 16:55George Kamel?

  I don't know. Yeah, but then you have to be able to hit the ball. See, with putt-putt, it's just short range, so anyone can do it.

• 17:01Rachel Cruze?

  I guess. But there'll probably be like a bunch of kids running around.

• 17:04George Kamel?

  Yeah, but Topgolf is stressful to me.

• 17:06Rachel Cruze?

  Wow.

• 17:07George Kamel?

  There's loud music, you know what I mean? You got, people, everyone's watching you. I feel like mini golf, no one cares. If you're bad at mini golf, who cares?

• 17:15Rachel Cruze?

  Okay, that's fair.

• 17:15George Kamel?

  But if you keep hitting the air at Topgolf.

• 17:17Rachel Cruze?

  I'm not gonna lie, too. I'd go get, I'd use that hundred bucks, go get a cocktail before, a little app, a little appetizer and a cocktail, go have fun, and then go to Chipotle after.

• 17:28George Kamel?

  I like that. Oh, new idea. You ready for it?

• 17:31Rachel Cruze?

  Mm-hmm.

• 17:32George Kamel?

  Low-key dinner, maybe fast casual, because you have a hundred bucks. And then go to your favorite bookstore. You both pick a book for the honeymoon that you have to read.

• 17:42George Kamel?

  You would love, you love reading a book on the beach.

• 17:45Rachel Cruze?

  I do, but I want to pick my books.

• 17:46George Kamel?

  Yeah, you pick the book.

• 17:47Rachel Cruze?

  You used to go through an entire book that someone else gave you.

• 17:50George Kamel?

  No, no, you get to pick the book.

• 17:52Rachel Cruze?

  No, I thought you said you pick the book and exchange it.

• 17:54George Kamel?

  No, that's weird.

• 17:55Rachel Cruze?

  Like, I thought I pick a book for Winston, he picks a book for me, and then we switch.

• 17:58George Kamel?

  Oh, that would actually be cute, but again, you would hate that.

• 18:00Rachel Cruze?

  Oh, but you're just saying you just go buy a book.

• 18:02George Kamel?

  I would say a couple that loves and trusts each other, this is good for them. Maybe for the cruise. Low maintenance Rachel has to have a certain book.

• 18:09Rachel Cruze?

  When I read, it just feels like really precious time, and I want to make sure it's a book that I've, like, researched, that I've got recommendations.

• 18:14George Kamel?

  You're one of the people who says, "Give up on the book if it's not good," right?

• 18:18Rachel Cruze?

  No.

• 18:19George Kamel?

  You're a see-it-through kind of gal.

• 18:20Rachel Cruze?

  I'm a see-it-through it kind of gal.

• 18:22George Kamel?

  Wow.

• 18:23Rachel Cruze?

  And it's unfortunate sometimes. Sometimes I should put it down.

• 18:26George Kamel?

  You think the author knows or cares that you didn't finish it?

• 18:29Rachel Cruze?

  No, it's more about me and, like, finishing the checkmark of...

• 18:33George Kamel?

  Oh, okay, like a personal challenge as the achiever in you.

• 18:36Rachel Cruze?

  Get through it, get through it.

• 18:37George Kamel?

  I respect that. My other caveat that I would personally do is go get, like, a mall massage. You know, the guys in the mall.

• 18:44Rachel Cruze?

  Oxytocology, yes.

• 18:46George Kamel?

  And it's cheaper. You don't have to do a full 60-minute, you can get a 20-minute, 30-minute.

• 18:49Rachel Cruze?

  So the only thing with that, though, is you're not reconnecting with the fiance.

• 18:54George Kamel?

  I don't think we need reconnection.

• 18:55Rachel Cruze?

  That's what they said they needed in this situation.

• 18:57George Kamel?

  That's what they say. What they really need is a massage.

• 18:59Rachel Cruze?

  They want to reconnect.

• 19:01George Kamel?

  They can go next to each other, they can talk if they would like.

• 19:04Rachel Cruze?

  You bother everybody, though. And not if you're in the face chair.

• 19:08George Kamel?

  Yeah, that is annoying. The guys don't care, though.

• 19:11Rachel Cruze?

  They don't care. It sounds relaxing. What else is relaxing? Living in Cozy Earth pajamas, which I have for every, every night. I would say the last four months of my life have been in Cozy Earth. I'm in Cozy Earth pajamas with Cozy Earth sheets. How cozy can you get? How cozy can you get? No, it's amazing, though. They're athleisure wear, they're pajamas, they're bedding. Everything about it is like great quality, so comfortable and so soft. And the socks. That's some Winston's.

• 19:46George Kamel?

  I love the no-shows. What can I say?

• 19:47Rachel Cruze?

  You and Winston both.

• 19:48George Kamel?

  We're keeping it alive. Is he a no-show guy?

• 19:50Rachel Cruze?

  Uh, we're his no-show. Yeah, his were no-shows. Yes. Yes.

• 19:54George Kamel?

  Honored.

• 19:54Rachel Cruze?

  And it says Cozy and then Earth on the other foot.

• 19:57George Kamel?

  That is cute. Sometimes I mix them up by accident.

• 19:59Rachel Cruze?

  Oh, that's what I was gonna ask.

• 20:00George Kamel?

  It says cozy and cozy, or Earth and Earth, or Earth cozy.

• 20:02Rachel Cruze?

  Uh-oh, what do you do?

• 20:03George Kamel?

  I'm OCD, so I have to switch it.

• 20:05Rachel Cruze?

  Okay.

• 20:06George Kamel?

  Once I realize I did that.

• 20:07Rachel Cruze?

  I know, but they really have incredible, incredible quality and a great selection too of anything you're looking for, you guys.

• 20:14George Kamel?

  Yes. And these are luxury goods, may I add, high quality. And so they're pricey, but we want to give you guys a sweet discount of 40% off when you use the code SMARTMONEY at checkout. So if you're in the stage of life where you're ready to get some quality in your life and sleep cool, live cool, check them out. CozyEarth.com/smartmoney. Use the promo code SMARTMONEY. We'll drop a link in the description.

• 20:35Rachel Cruze?

  All right, your turn.

• 20:36George Kamel?

  All right.

• 20:40George Kamel?

  A couple in their early 40s has kids age four, seven, 11, and 14. God bless.

• 20:45Rachel Cruze?

  Okay.

• 20:46George Kamel?

  They are working on baby steps four, five, and six, so they're out of debt with the emergency fund, but they feel like there's no end in sight when it comes to saving for kids' college funds. Not to mention, one will need a car in two years. One of them just received an unexpected $250 bonus from a client, and they want to invest some or all of it in a date night. What should they do?

• 21:06Rachel Cruze?

  I love this.

• 21:07George Kamel?

  Well, a babysitter alone is gonna cost you $250 for those four kids.

• 21:10Rachel Cruze?

  No, they got a 14-year-old. They don't need a babysitter.

• 21:12George Kamel?

  Okay. Hey, if you, if you trust the 14... Now, if it's a girl that's 14, I trust them.

• 21:17Rachel Cruze?

  Okay.

• 21:17George Kamel?

  A 14-year-old boy, depends on the boy.

• 21:20Rachel Cruze?

  Depends on the boy. That's fair.

• 21:22George Kamel?

  Just wanna put that out there. $250, that's a nice date night then.

• 21:25Rachel Cruze?

  Yeah. You know what's crazy, though? If you go, if you live in a larger city like in Nashville, and you go to a nice restaurant, it can be $200.

• 21:34George Kamel?

  That's gone.

• 21:34Rachel Cruze?

  Yes.

• 21:35George Kamel?

  That doesn't include parking.

• 21:37Rachel Cruze?

  No point.

• 21:39George Kamel?

  The valet. Think about the valet.

• 21:41Rachel Cruze?

  Unbelievable. You gotta tip well. Okay, so what would you do?

• 21:47Rachel Cruze?

  I'd go out. I'd, I'd.

• 21:50George Kamel?

  Yeah, I would probably research like the latest and greatest restaurants in my area and choose the one that I would never go to normally, but just know like.

• 21:57Rachel Cruze?

  Yeah, that's good.

• 21:58George Kamel?

  Imagine this was money that never crossed my hands and someone gifted it to me.

• 22:01Rachel Cruze?

  I know. I, I think that with 250 bucks, I would do that.

• 22:05George Kamel?

  And in Nashville, you could throw a rock and hit one of these restaurants.

• 22:08Rachel Cruze?

  I know. Isn't that wild?

• 22:09George Kamel?

  Lot of great restaurants.

• 22:10Rachel Cruze?

  Yes. Okay, I, I'm with you, George, on it.

• 22:13George Kamel?

  I, yeah, I think go to the, the hoity-toity restaurant.

• 22:15Rachel Cruze?

  If it was $2,500, obviously, then.

• 22:18George Kamel?

  Don't spend it all in one night.

• 22:20Rachel Cruze?

  That's right. Then I would be like, all right, let's think about, because I, because by the time you do a nice dinner out, and let's say it's like, um, 100 bucks or 150 bucks, and you got 100 bucks left, you know, and we love compound interest, we love all of it, but it's, the truth is, 100 bucks, one time, like.

• 22:35George Kamel?

  It's not the make or break.

• 22:36Rachel Cruze?

  Yeah, it's not a make or break at that point, so.

• 22:38George Kamel?

  One other thing they could do, which this 250 bucks is not enough to do this necessarily, but staycation, where like Wendy and I stayed at a Nashville hotel.

• 22:47Rachel Cruze?

  Oh, that's fun.

• 22:48George Kamel?

  For just one night. So we did a date night into the hotel stay and just came back the next morning and it was wonderful.

• 22:53Rachel Cruze?

  And so great.

• 22:53George Kamel?

  Kind of be a tourist in your own city.

• 22:55Rachel Cruze?

  Yes, I like that too.

• 22:56George Kamel?

  So if you can make that happen, I don't know, if you can find a cheaper hotel.

• 22:58Rachel Cruze?

  Or like an Airbnb for a night or something?

• 23:00George Kamel?

  Yeah.

• 23:01Rachel Cruze?

  Love it.

• 23:03George Kamel?

  Done.

• 23:04Rachel Cruze?

  Check. All right, next situation. Oh, a married couple 15 years is expecting their second child while saving for their $1,000 ba, um, emergency fund, baby step one. They've decided to opt out of Christmas this year with a few exceptions of a small gifts for their three-year-old, but their budget is zero. What can they do to invest in each other as they embark on the baby steps journey in the new year?

• 23:29George Kamel?

  So this is the free category?

• 23:31Rachel Cruze?

  Yes.

• 23:31George Kamel?

  Also, I don't know, you could opt out of Jesus's birthday.

• 23:36Rachel Cruze?

  I would opt out of Christmas if I'm them. I'm expecting my second baby.

• 23:38George Kamel?

  But they're opting out of buying gifts for the family and each other and all that stuff. I'm down with that.

• 23:43Rachel Cruze?

  I think that's great.

• 23:44George Kamel?

  A little reset.

• 23:45Rachel Cruze?

  I think that's really healthy.

• 23:47George Kamel?

  So what could they do for free? They got a baby on the way.

• 23:50Rachel Cruze?

  Go hammock hunting.

• 23:52George Kamel?

  Hammock hunting. I don't know many pregnant women. They're like, put me in that hammock. That's where I want to be.

• 23:59Rachel Cruze?

  It's true. That's true.

• 24:03George Kamel?

  Free.

• 24:04Rachel Cruze?

  Okay, I'm going to say it. This is so simple. But it could be them. We've been married 15 years. And if we had a three year old and I was pregnant,

• 24:13Rachel Cruze?

  like have a night with no devices and get the cards out and play a card game.

• 24:17George Kamel?

  Oh, that's fun.

• 24:18Rachel Cruze?

  Like, that's what I would do. You easily, I know her. If I'm pregnant, 15 years married with a three year old, all you want to do is just at the end of the night, check out. You're like, oh, exhausting, absolutely exhausting.

• 24:31George Kamel?

  Don't take them on a walk. That's not what they're into right now.

• 24:35Rachel Cruze?

  Not going to go hiking. So, yeah, like, what's like a game just outside after the three year old's in bed? And not get on the phone. I think that's the key. Put down the technology and just hang out.

• 24:46George Kamel?

  I love that. Can I tell you what I did with Whitney? This was free and very entertaining.

• 24:50Rachel Cruze?

  Yeah.

• 24:52George Kamel?

  We were at Whole Foods and I was like, let me get like a pint of ice cream or like a little treat.

• 24:55Rachel Cruze?

  Sure.

• 24:56George Kamel?

  So spending like four or five bucks. But they had this special cart for people that can't walk. And so she's facing me in the cart as I push her around the store. And it was the, we had the best time.

• 25:11George Kamel?

  It felt like I was doing something illegal, but I was like, no, that she's very pregnant. She cannot walk. She's got some, you know, conditions here. And so we just pushed her around and she had a great time looking at all the items. It was so fun. I took videos of it like an influencer, like I'd place it on the.

• 25:28George Kamel?

  It was the best. We laughed so hard.

• 25:30Rachel Cruze?

  I love it.

• 25:31George Kamel?

  Because we were just staring at each other the whole time. Like, imagine like a baby in the cart, but it's your wife.

• 25:37Rachel Cruze?

  With a baby inside of her.

• 25:39George Kamel?

  Exactly.

• 25:39Rachel Cruze?

  Oh, my gosh.

• 25:40George Kamel?

  So technically, there was a baby in that cart.

• 25:42Rachel Cruze?

  That's so good.

• 25:43George Kamel?

  So, you can do that for free. You don't even have to buy anything. Just find a fun cart.

• 25:48Rachel Cruze?

  See, I'm not gonna lie, George, those quirky moments in life that you just, that bring laughter, it's what you need.

• 25:54George Kamel?

  That's what you need.

• 25:54Rachel Cruze?

  I like it. That's so good.

• 25:56George Kamel?

  It doesn't have to cost money.

• 25:58Rachel Cruze?

  Oh, my gosh.

• 25:59George Kamel?

  Just costs you some creativity.

• 26:00Rachel Cruze?

  Yeah, but one thing that costs a little bit of money, less than $9 a month, is a Delete Me subscription.

• 26:07George Kamel?

  That is worth it. Put that in the budget.

• 26:08Rachel Cruze?

  It is. So Delete Me is incredible, you guys. It is a company that goes in and removes your data, especially from online data brokers that go and collect data. And these data brokers then sell your data to other companies and other people. And that means your name, your address, your kids' names, your phone number. All of that is leaked out to all of these different companies. And you can get spammed, you can get scammed, especially like phishing and all of that.

• 26:35George Kamel?

  Oh, yeah, with a PH.

• 26:37Rachel Cruze?

  With a P, yeah, with a PH.

• 26:38George Kamel?

  Let's make it very clear.

• 26:39Rachel Cruze?

  And it's really, yeah, it's just, there's so much happening with our information online. So the more your information is removed, the better off your life is. And that's where Delete Me comes in.

• 26:48George Kamel?

  Exactly. And the report is amazing. Every few months, I get the report. And so far, they've removed me from over 240 of these data broker sites, saving me 94 hours of time.

• 26:57Rachel Cruze?

  Gosh.

• 26:58George Kamel?

  And for that, I am grateful.

• 26:59Rachel Cruze?

  We love it.

• 27:00George Kamel?

  So go check them out. They're giving our listeners and viewers 20% off when you go to joindelete.me/smartmoney or click the link in the description.

• 27:08Rachel Cruze?

  Beautiful. All right, thank you.

• 27:10George Kamel?

  I'm really enjoying this drink so far.

• 27:12Rachel Cruze?

  I like it a lot. Okay, you go next.

• 27:15George Kamel?

  All right.

• 27:19George Kamel?

  A young couple in their mid twenties has been married for three years after dating for two years in college. They have different financial goals. One wants to pay off their student loan debt before having kids. The other doesn't feel like debt is an issue. What kind of date night could also lead to a helpful discussion slash compromise about money goals? This is the old Trojan horse date night.

• 27:41Rachel Cruze?

  Oh, what do you do?

• 27:42George Kamel?

  Hey, you wanna go out to eat? So let's talk about your feelings about debt.

• 27:46Rachel Cruze?

  Let's get down to the bottom of it. The old bait and switch. We're like, hey, let's dream something. Oh, is this a Financial Peace University class happening?

• 27:54George Kamel?

  Oh, look at that. That's what's on Netflix? That's crazy. Yeah, this is a tough one. Do you just be honest and say, hey, we need to talk about this, but to do it, let's go out somewhere out of the house to talk about it?

• 28:06Rachel Cruze?

  Yeah, I would.

• 28:07George Kamel?

  But don't sneak it on them in the middle of the date.

• 28:09Rachel Cruze?

  No, no, especially if you know your intention is to be talking about it. So I think I always like a heads up on hard conversations. Like if there's gonna be something and it's like, hey, I wanna talk about something. Do you have like the mental capacity to like talk through something that could be kind of, I'm like, do I, do I not? And like, I don't know. So like the heads up is really helpful.

• 28:30George Kamel?

  Helps you emotionally prepare.

• 28:32Rachel Cruze?

  Yeah, yeah. And just to say we have a lot of life ahead of us and there's like a subject or two I wanna chat about. Are you good with that? I don't know. I think the heads up is nice. Do you or do you like a?

• 28:42George Kamel?

  A hundred percent. Yeah, I like the heads up and I like the, I like as much clarity as possible. So don't just tell me, hey, I wanna talk about something serious and then leave it at that.

• 28:51Rachel Cruze?

  Oh, that's true. That's scary.

• 28:52George Kamel?

  That'll, that will drive me insane.

• 28:54Rachel Cruze?

  Yeah, that's fair. Totally.

• 28:56George Kamel?

  So just tell me, hey, I know we, we haven't been on the same page about money. Here's what I'd like to do. Let's get out of the house. Let's have some fun and let's talk through it and see if we can find a game plan that works.

• 29:05Rachel Cruze?

  Yep.

• 29:06George Kamel?

  That makes me feel a lot better. In fact, I was at a coffee shop. I had a day off, went to a coffee shop and there was a couple next to me and he had an iPad with this EveryDollar budget.

• 29:15Rachel Cruze?

  No.

• 29:15George Kamel?

  And they were like working through their, their budget and it was the most romantic, sweetest thing.

• 29:21Rachel Cruze?

  Stop it, really?

• 29:22George Kamel?

  Yep. I didn't want to say anything.

• 29:24Rachel Cruze?

  You should, you know what? You should have encouraged them at the end as you were leaving.

• 29:28George Kamel?

  I didn't want to be creepy and be like, "Hey, I see you using EveryDoll. Mind if I take a peek?"

• 29:32Rachel Cruze?

  Just be like, "Hey, I overheard you talking about money and like, good for y'all." Not a lot of couples do that. That's really awesome. You know, good that would have felt to them?

• 29:38George Kamel?

  I think we did chat at the end and they were like, "Oh."

• 29:40Rachel Cruze?

  Okay, so you did?

• 29:41George Kamel?

  Yeah, I think he was like, "Hey, like, I saw you next to us. I didn't want to like be weird." Like, he didn't want to be weird and I didn't want to be weird.

• 29:48Rachel Cruze?

  So he recognized you, George?

• 29:50George Kamel?

  That's what happens.

• 29:50Rachel Cruze?

  How'd you feel? The ego go, "Mm."

• 29:53George Kamel?

  My head exploded.

• 29:55Rachel Cruze?

  I'm just kidding, I'm kidding.

• 29:56George Kamel?

  My target demo is guys doing their EveryDollar budgets in coffee shops. I'm like, "Yeah."

• 30:01Rachel Cruze?

  That's a...

• 30:01George Kamel?

  Let's get those meetups happening. Cause that guy's not sports betting.

• 30:06Rachel Cruze?

  For sure.

• 30:07George Kamel?

  He's too busy planning his unborn child's 529 plan.

• 30:10Rachel Cruze?

  A hundred percent, a hundred percent.

• 30:12George Kamel?

  I love it.

• 30:13Rachel Cruze?

  That's great.

• 30:14George Kamel?

  Are we on to the last one?

• 30:15Rachel Cruze?

  All right, this is it, George.

• 30:16George Kamel?

  All right, make it a good one. Don't screw it up.

• 30:19Rachel Cruze?

  A couple's in the middle of baby step two, so they're getting out of debt and they're paying off $150,000 in student loan debt. And they have $25,000 to go, but they're feeling weary, discouraged, and kind of numb toward one another in the middle of the grind. They need a date night to reconnect but don't want to spend more than $40. Thoughts?

• 30:41George Kamel?

  Oh, well, the word reconnect was there, so I feel like we can't do something passive, like go to the movies.

• 30:47Rachel Cruze?

  Yeah, we need to like, look at each other and talk about how hard this is.

• 30:52George Kamel?

  Here's an idea: happy hour.

• 30:55Rachel Cruze?

  Oh, that's good. Yes.

• 30:56George Kamel?

  Very affordable.

• 30:57Rachel Cruze?

  Yes.

• 30:58George Kamel?

  Find a place that has like $5 drink specials or something.

• 31:01Rachel Cruze?

  Sports bars are my new thing.

• 31:02George Kamel?

  Really?

• 31:02Rachel Cruze?

  Yeah. I really love a sports bar these days.

• 31:05George Kamel?

  So many TVs.

• 31:06Rachel Cruze?

  I know, and I love it.

• 31:07George Kamel?

  It's like sensory overload. Have you been to a Buffalo Wild Wings?

• 31:10Rachel Cruze?

  Yes.

• 31:11George Kamel?

  What is going on in there?

• 31:12Rachel Cruze?

  I don't know, but there's like...

• 31:13George Kamel?

  Why do I need to watch seven things at once?

• 31:15Rachel Cruze?

  Cause there's a lot of sports happening. But then you get mozzarella sticks, you got nachos.

• 31:19George Kamel?

  You just want bar food.

• 31:20Rachel Cruze?

  I like the food. Like, the food is just, it really is. And so, I'm saying, I was gonna say, there's a place called Jonathan's here in Franklin.

• 31:26George Kamel?

  Yes.

• 31:26Rachel Cruze?

  And we went and they had a great happy hour. I want to say like their apps, like part of their apps had like a separate menu, but like, their beer and wine, buy one, get one free. Like, it was just a great value for what we were gonna spend. And we went at like five, cause we have kids and we're like gonna eat early. I thought, where, where have we been? Have we been sleeping on this place? So.

• 31:44George Kamel?

  That's a good one.

• 31:45Rachel Cruze?

  That, that's a, that's a great genre of restaurants to get some bang for your buck. And also it's lively, it's loud, get some energy around you, you know? Instead of like a silent, like, mm.

• 31:56George Kamel?

  Yeah, you don't want to sit in your feelings too much.

• 31:59Rachel Cruze?

  And just like the, like the ambiance, it's like, mm. You know, just like really silent.

• 32:04George Kamel?

  Is that the sound that's happening?

• 32:05Rachel Cruze?

  You know, there are those restaurants, it's like very.

• 32:08George Kamel?

  Oh, where it's like you feel bad talking?

• 32:09Rachel Cruze?

  Yeah, it's just really like, ah, I don't know.

• 32:11George Kamel?

  Yeah.

• 32:12Rachel Cruze?

  So the loud and the cheering.

• 32:13George Kamel?

  But it's a sit down.

• 32:15Rachel Cruze?

  I know, I'm going sports bar.

• 32:16George Kamel?

  Like order at the counter, no server.

• 32:18Rachel Cruze?

  I'm going sports bar, yeah.

• 32:20George Kamel?

  They're in, they're in crippling debt, Rachel, I'm trying to help this couple out.

• 32:22Rachel Cruze?

  They have forty dollars, do you know how much you can give for forty dollars at a, at a, at a happy hour? It's your idea, why are you taking back your idea?

• 32:28George Kamel?

  Don't pin this on me, I'm just saying, you can do a happy hour at places that aren't a sit down with a server.

• 32:35Rachel Cruze?

  Chipotle does not have happy hour.

• 32:37George Kamel?

  I never claimed Chipotle was the place to go. Mojo's Taco, a great local Nashville spot. Order at the counter, sit down, they bring you the food. Bada bing bada boom.

• 32:48Rachel Cruze?

  That's fair, that's fair.

• 32:49George Kamel?

  You tip less.

• 32:52Rachel Cruze?

  Fair.

• 32:52George Kamel?

  I'm trying to save them some money here.

• 32:53Rachel Cruze?

  All right, George, I hear you.

• 32:54George Kamel?

  And I still love the hack, always skip the dessert.

• 32:58Rachel Cruze?

  What, what is it?

• 32:59George Kamel?

  Skip the dessert and go get your favorite pint of ice cream.

• 33:01Rachel Cruze?

  Are you hearing my excitement in my restaurant versus your restaurant?

• 33:03George Kamel?

  I cannot tell you what it does to my body to hear random chanting and cheering and hooting and hollering.

• 33:11George Kamel?

  It's like a mild panic attack every time that happens. Like, why?

• 33:16Rachel Cruze?

  I love it.

• 33:17George Kamel?

  We're not wild animals, why are we hooting and hollering like this?

• 33:21Rachel Cruze?

  It's so exciting.

• 33:21George Kamel?

  At eighteen year old children.

• 33:23Rachel Cruze?

  So exciting.

• 33:24George Kamel?

  Who did this for a scholarship.

• 33:25Rachel Cruze?

  B O L S, B O L S, go, go, let's go. When the entire restaurant's screaming that, does it not just like bring you to heaven a little bit?

• 33:34George Kamel?

  I would ask for a refund if that happened at any restaurant I was in. I was like, hey, this was not the vibe, reset.

• 33:39Rachel Cruze?

  All right, well, good thing we aren't married, George.

• 33:42George Kamel?

  Good thing. Winston, bless your ministry. Does Winston hoot and holler at sports?

• 33:49Rachel Cruze?

  No, no, no, I do.

• 33:52George Kamel?

  Okay, you're the, there's always one in any marriage. I feel like Winston's very, he would be bothered by loud people.

• 33:58Rachel Cruze?

  Yeah, he, yeah, yes, he, yeah. He would be more on your boat than mine. And I'm a, I'm a, I'm a vocal reactor, so I'm like a-

• 34:07George Kamel?

  Oh, you love-

• 34:08Rachel Cruze?

  I'm a, I'm a gasper, I'm a-

• 34:10George Kamel?

  That makes sense. You live for the drama.

• 34:12Rachel Cruze?

  Yeah, it's very exciting. Get too close to a car, you know?

• 34:16George Kamel?

  Oh, you're that person. At every turn in the car, you have to make a loud sound.

• 34:21Rachel Cruze?

  Winston's always like, do you know how long I drove without you in the car? Like, I've, like, I've driven, you know? Sometimes you miss a parking spot.

• 34:28George Kamel?

  How many wrecks has Winston been, been in?

• 34:31Rachel Cruze?

  Hmm.

• 34:33George Kamel?

  That were his fault?

• 34:35Rachel Cruze?

  I don't know if he has been in a wreck.

• 34:37George Kamel?

  Then I don't think you need to warn him.

• 34:38Rachel Cruze?

  Yeah, I know.

• 34:39George Kamel?

  I think he's got it under control.

• 34:40Rachel Cruze?

  I know, I know.

• 34:41George Kamel?

  Uh, I did do that once, but then I actually hit a car. Yep. And I told her I broke my leg. Instantly, I said, my leg-

• 34:52George Kamel?

  I was totally fine, but my brain told the rest of my body, hey, bro, your leg is gone. It's disappeared. It's somewhere back there.

• 35:02Rachel Cruze?

  Stop it, are you serious?

• 35:03George Kamel?

  Yeah. Fender bender. And I made her late for her nursing exam.

• 35:11Rachel Cruze?

  Oh, no.

• 35:12George Kamel?

  Yep, and I never fixed a bumper.

• 35:13Rachel Cruze?

  Did she tell you to slow down at any point?

• 35:15George Kamel?

  Um, I think it was one of those that you hit the red light, and you're, you're like waiting for the person to go right, and they had plenty of time, so I thought, surely they, they turned by now.

• 35:25Rachel Cruze?

  Oh, man.

• 35:25George Kamel?

  The coast was clear to take a right on that red, and they had not moved. And I just decided to go right into them.

• 35:34George Kamel?

  It's fine. It's fine.

• 35:37Rachel Cruze?

  It happens.

• 35:37George Kamel?

  That's why I drive used cars, less concerning.

• 35:39Rachel Cruze?

  So what I liked about these scenarios is they were very realistic, and they all knew their numbers. Like, there was something about like-

• 35:46George Kamel?

  Very aware.

• 35:47Rachel Cruze?

  Very aware, and I think that's the key, that's where the budget comes in.

• 35:50George Kamel?

  It's like the opposite of a Hallmark movie. Realistic and aware.

• 35:55George Kamel?

  That's what I would hope for from the next Hallmark movie.

• 35:58Rachel Cruze?

  Yes, well, so yeah, there's just something about when you know what you have, you can spend it, whether it's going to Paris and buying a Louis, or going to the sports bar on happy hour, like, but you know what's going on. So your capacity to enjoy the situation is so much greater because there's not guesswork involved. So that's what I loved about it.

• 36:15George Kamel?

  And what I loved is nobody mentioned going into debt for any of this. They did it with the cash they had on hand. They chose reality and went, here's where we're at. We're $150,000 in debt. We can't go take a trip right now, but we can afford to go split an entree at our local fast casual spot.

• 36:33Rachel Cruze?

  Go to that Chipotle.

• 36:34George Kamel?

  Live it up. I just saw a hack. Some lady got a chicken Chipotle bowl and made like 12 tacos out of it.

• 36:42Rachel Cruze?

  I believe it.

• 36:42George Kamel?

  Big brain thinking right there.

• 36:44Rachel Cruze?

  Yeah, that's pretty good. That's pretty good.

• 36:45George Kamel?

  So yeah, get creative. You don't need to lose all intimacy and connection just because you can't afford a crazy date night.

• 36:51Rachel Cruze?

  Totally.

• 36:51George Kamel?

  So don't let that stop you. And honestly, ChatGPT, a great way to go, hey, here's my budget. Here's what I'm thinking. Here's where we live. Give us some options under this amount.

• 37:01Rachel Cruze?

  That is so true.

• 37:02George Kamel?

  Use technology to your advantage.

• 37:03Rachel Cruze?

  Yes, that's so smart. That really is. And creative things that you just wouldn't have thought of.

• 37:07George Kamel?

  Yes.

• 37:08Rachel Cruze?

  That it will give you.

• 37:09George Kamel?

  And I do think the rewiring your brain to try new things, new experiences, creates like new connections.

• 37:14Rachel Cruze?

  That is like a scientific thing. I remember Les Parrott.

• 37:17George Kamel?

  Yes.

• 37:17Rachel Cruze?

  He used to talk about this and he said there were studies done. And when you actually do something physical, like we laughed about the trapeze thing, but I feel like he even talked about that. But yeah, playing mini, I don't know, doing something that is different, it actually creates this whole new experience and it's actually very bonding.

• 37:33George Kamel?

  Yes.

• 37:34Rachel Cruze?

  That's why, you know, on The Bachelor, do you want to?

• 37:36George Kamel?

  Uh, I won't claim to have seen it, but I have seen it.

• 37:39Rachel Cruze?

  I'll be honest, I haven't seen it in a few years. And I was a diehard, as you know, for ye, I, I watched it for like 15 years straight. And then I've gotten off the wagon. But that's why they said, if they ever did a, like a scary date, like bungee jumping or something together, they actually created a deeper bond with that person they were on the date with. Doing like something kind of scary and like adrenaline was created.

• 38:03George Kamel?

  Yeah.

• 38:04Rachel Cruze?

  Um, than someone they just like went on a picnic with. So something to be said.

• 38:08George Kamel?

  So forget your picnic, boys.

• 38:09Rachel Cruze?

  Yeah, go bungee jumping. Get reconnected.

• 38:12George Kamel?

  Skip the basket, go for the bungee. That's what I always say. Okay, I feel like we, we made an episode today.

• 38:19Rachel Cruze?

  We did it. Alright, before we get to our guilty as charged segments, let's talk about our rye ties. It takes me forever to think about the name of it, but...

• 38:29George Kamel?

  The rye tie, R-Y-E-T-A-I, it costs $2.83 per glass. It's got orgyte, which is like an almond liqueur. It's got pineapple juice, lemon juice, rye whiskey, this one's a hundred proof, and Angostura bitters. Very nice.

• 38:45Rachel Cruze?

  What's an a- so a Mai Tai is the normal. What's in a Mai Tai?

• 38:48George Kamel?

  Um, I wanna say rum, pineapple juice.

• 38:52Rachel Cruze?

  Okay, so they switched the rum for whiskey, so that's why it's rye, rye tie, instead of Mai Tai.

• 38:59George Kamel?

  Nailed it award, goes to you today.

• 39:01Rachel Cruze?

  Thank you very much.

• 39:03George Kamel?

  I've never heard of this drink, but I would make this at home. I'm going 10 out of 10.

• 39:07Rachel Cruze?

  I think I am too, George.

• 39:08George Kamel?

  And mixologist Michael did tell us to drink it fast, cuz it's got that like little tiny sonic ice in there.

• 39:13Rachel Cruze?

  I like that ice though. Okay, but I will say, it does remind me of summer. So I would be, I would want water involved, like out at a pool.

• 39:21George Kamel?

  Yes.

• 39:21Rachel Cruze?

  Or at the lake, or the ocean. I don't know if I would just drink it at a restaurant, though. I think the pineapple-

• 39:27George Kamel?

  I would need to be sitting outside.

• 39:28Rachel Cruze?

  Yeah, the pineapple throws me.

• 39:29George Kamel?

  Outdoor seating required.

• 39:30Rachel Cruze?

  Outdoor seating required. Love it.

• 39:32George Kamel?

  Are you an outdoor or indoor, if they give you the option? Even on a really hot day?

• 39:36Rachel Cruze?

  Yes. I love it. I love it so much.

• 39:39George Kamel?

  Okay, I don't wanna sweat while I eat, you know what I mean?

• 39:41Rachel Cruze?

  That's what Winston says, yeah.

• 39:43George Kamel?

  I feel like Winston and I are oddly similar.

• 39:48Rachel Cruze?

  Wouldn't you like to sit outside?

• 39:49George Kamel?

  Um, yes, if the weather's decent.

• 39:53Rachel Cruze?

  Yeah.

• 39:53George Kamel?

  And now with a baby, we gotta think about, can the baby handle the heat? Cuz I can handle the heat just fine.

• 39:59Rachel Cruze?

  But can Mia, the little babe?

• 40:01George Kamel?

  So you're 10 out of 10?

• 40:02Rachel Cruze?

  Yeah, I am.

• 40:03George Kamel?

  No notes, Michael, congratulations.

• 40:05Rachel Cruze?

  Well done, Michael.

• 40:06George Kamel?

  Get the recipe in the show notes, give it a try this weekend if you're of age, drink responsibly. I mean, I don't need to add that disclaimer, but I feel good doing it.

• 40:14Rachel Cruze?

  That felt right, that felt responsible.

• 40:16George Kamel?

  I feel like better than everyone.

• 40:17Rachel Cruze?

  I feel like you like own something that you just need everyone to be like, hey, listen.

• 40:21George Kamel?

  I said what I said.

• 40:22Rachel Cruze?

  Yes.

• 40:22George Kamel?

  And for you teetotalers, just get a mocktail version. You can skip the rye whiskey, you'll be fine.

• 40:28Rachel Cruze?

  There you go. We've not gotten a lot of hate, though, recently.

• 40:31George Kamel?

  No, people understand, like, we'll, we'll do a mocktail after this and we'll live to tell the tale.

• 40:37Rachel Cruze?

  All right, now it's time for

• 40:39George Kamel?

  Guilty as Charged.

• 40:41Rachel Cruze?

  And this is where we ask each other a guilty as charged question every week. And if we're guilty, we take a sip. All right, are you ready, George?

• 40:48George Kamel?

  All right.

• 40:48Rachel Cruze?

  Have you or someone else ever planned a bad date night that totally backfired?

• 40:54George Kamel?

  Oh, gosh.

• 40:57Rachel Cruze?

  Oh, man.

• 40:58George Kamel?

  I feel like my trauma response would make me delete that from my brain Men in Black style.

• 41:02Rachel Cruze?

  100%.

• 41:03George Kamel?

  But I do, I'm tempted to call my wife and tell her, hey, what was the worst date we ever had?

• 41:07Rachel Cruze?

  This would be fun. Shall we?

• 41:10George Kamel?

  Please.

• 41:12Rachel Cruze?

  Okay, go. You go first.

• 41:13George Kamel?

  Here's my caveat.

• 41:14Rachel Cruze?

  Yeah.

• 41:14George Kamel?

  Whitney has never answered a phone call from me in her life.

• 41:17Rachel Cruze?

  Okay, how about this?

• 41:18George Kamel?

  So the chances of her answering today, I swear she has a setting on her phone that like screens my calls only. Like, there could be a spam call and she'll answer for fun.

• 41:29George Kamel?

  All right, call Winston.

• 41:31Rachel Cruze?

  Okay, am I going first?

• 41:32George Kamel?

  Yep.

• 41:33Rachel Cruze?

  Okay.

• 41:37Rachel Cruze?

  Hey, babe.

• 41:38George Kamel?

  Hey, babe.

• 41:39Rachel Cruze?

  Hi, we're in a Smart Money Happy Hour recording.

• 41:43Speaker 02

  Oh, this feels familiar.

• 41:44Rachel Cruze?

  Oh, yeah.

• 41:47Rachel Cruze?

  We're calling you. All right.

• 41:48Speaker 02

  Okay.

• 41:49Rachel Cruze?

  It's a guilty as charged question. I couldn't think of one. So George is gonna call Whitney as well, but...

• 41:54Speaker 02

  You're asking me if I think you're guilty or if I'm guilty?

• 41:57Rachel Cruze?

  Uh, both of us, but are we guilty? Have, have you or me ever planned a bad date night that totally backfired?

• 42:06Speaker 02

  Uh, I forgot to use a gift card recently.

• 42:08Rachel Cruze?

  Oh, that is...

• 42:09Speaker 02

  I had a gift card in my back pocket.

• 42:10Rachel Cruze?

  That is true. Yeah.

• 42:13George Kamel?

  Where was it?

• 42:14Rachel Cruze?

  We went to the restaurant with the gift card and we walked...

• 42:18George Kamel?

  You never used it.

• 42:19Rachel Cruze?

  And Winston never swiped. He, well, he left. He was like, I didn't use the gift card.

• 42:23Speaker 02

  I was just so, I was so caught up in conversation with Rachel, I just was on autopilot.

• 42:29Rachel Cruze?

  So sweet.

• 42:30George Kamel?

  Can you tell us the restaurant?

• 42:31Speaker 02

  I'm not sure. I'm not sure I've blown anything up. I've got a decent track record, but...

• 42:36Rachel Cruze?

  I know. I can't think of one either.

• 42:39Speaker 02

  I'd have to really be trying like way outside of dinner.

• 42:43Rachel Cruze?

  It'd be like a food poisoning situation or something that went bad.

• 42:46Speaker 02

  Date night.

• 42:48Speaker 02

  Night with kids at our age is just like pretty low bar.

• 42:51Rachel Cruze?

  True.

• 42:52Speaker 02

  So you can't really mess it up.

• 42:54Rachel Cruze?

  Yep. Okay, I agree. All right.

• 42:56Speaker 02

  So I'm gonna say not guilty.

• 42:58Rachel Cruze?

  Huh, that feels good. All right, you're the best. Love ya. Bye.

• 43:05Rachel Cruze?

  There you go, George. Okay.

• 43:06George Kamel?

  Okay, I got one and it's almost too damning on my part. That I'm almost unwilling to share. And here's what Whitney said. I said, can you answer the phone live for Smart Money Happy Hour? This is the classic Whitney response. Would love to not, but I will lol.

• 43:25Rachel Cruze?

  Okay.

• 43:25George Kamel?

  She's not made for the spotlight like me.

• 43:27Rachel Cruze?

  Well, I thought, okay.

• 43:30George Kamel?

  She doesn't need the affirmation of strangers like I do.

• 43:35Speaker 03

  Hello.

• 43:37George Kamel?

  Hey, babe.

• 43:39Rachel Cruze?

  Hey, girl.

• 43:40George Kamel?

  Hey, girl.

• 43:41Rachel Cruze?

  Hey, girl.

• 43:42George Kamel?

  Okay, so here's the question. I need you to answer honestly, unfiltered. Have I ever planned a bad date that totally backfired?

• 43:51Speaker 03

  Planned a bad date? Hmm, I feel like our first date was.

• 43:56George Kamel?

  Yeah, that was bad.

• 44:00Speaker 03

  So it would be because basically, uh, George kind of just tried to back out last minute and so like, well, if you don't even wanna go, I think he thought I didn't wanna go. So he was giving me a way out, but by doing that, I was like, okay, so you don't wanna go? So it was like a weird.

• 44:19George Kamel?

  I was a grown man at this point for context. I was not seventeen. All right, continue.

• 44:24Speaker 03

  But I think it's because we work together, so you're trying to just like give me a way for to not be weird.

• 44:28George Kamel?

  Pretty awkward dating your coworker. I think we can all admit that. Okay?

• 44:31Speaker 03

  And then we did live on opposite parts of town and so it was gonna take longer to get there. And so like last minute, you were just like, can you meet me there? And I think I had car problems or something, so I had to have a friend come get me to take me to the date. And I was expecting you to come pick me up. So it just started off really. Like, I was like, wow, this guy's awful. But the date was amazing. Like, I feel like we like talked for four hours and then George ended up being nice and drove me home. So.

• 45:01Rachel Cruze?

  Wow.

• 45:02Speaker 03

  It made up for itself, but it started off very rocky. Yeah, like I'm surprised I even went.

• 45:08George Kamel?

  Okay, no, I think we've heard enough. Thank you. Love you.

• 45:11Speaker 03

  Thank you.

• 45:11George Kamel?

  Love you so much.

• 45:12Rachel Cruze?

  Whitney, bye.

• 45:15George Kamel?

  Okay.

• 45:17Rachel Cruze?

  I'm surprised I even went.

• 45:19George Kamel?

  You got your money's worth out of that one, guys. So, yeah, I am the worst.

• 45:25Rachel Cruze?

  Hey, so you didn't even go pick her up?

• 45:28George Kamel?

  Listen, it's all water under the bridge.

• 45:31Rachel Cruze?

  Would you have done it differently today?

• 45:33George Kamel?

  100%.

• 45:34Rachel Cruze?

  Okay, so it really was like an ignorant?

• 45:36George Kamel?

  I also asked her out over Snapchat for the first time. So I wasn't batting a thousand, guys. I was on the struggle bus, trying to get the plane off the ground.

• 45:44Rachel Cruze?

  You know, you're about rejection, right?

• 45:45George Kamel?

  Yeah.

• 45:46Rachel Cruze?

  You're buffering rejection.

• 45:47George Kamel?

  But once the plane was off the ground, smooth sailing, we didn't land upside down, no doors flew off. It was great. I was very charming, we had great conversation.

• 45:57Rachel Cruze?

  Okay.

• 45:58George Kamel?

  Yep.

• 45:58Rachel Cruze?

  There you go.

• 45:59George Kamel?

  That's what we need to know about me.

• 46:00Rachel Cruze?

  Okay, there you go. Well, I think you're guilty. I think I am.

• 46:04George Kamel?

  No, no, Winston's crushing it.

• 46:11Rachel Cruze?

  So guilty.

• 46:13George Kamel?

  That was fun for at least everyone but me.

• 46:15Rachel Cruze?

  So good. Oh, you guys.

• 46:17George Kamel?

  #Vulnerable. #LiveAuthentic.

• 46:22Rachel Cruze?

  #Authenticity.

• 46:24George Kamel?

  That's right.

• 46:24Rachel Cruze?

  Should be your next tattoo, like in Greek or something.

• 46:27George Kamel?

  Feel better, guys, especially the single guys out there. Just know, I did it worse, and there's still hope for you yet.

• 46:32Rachel Cruze?

  There you go, that's good. If you guys have a guilty search question, make sure to DM us at Rachel Cruz and at George Kamel. We get them. We get some DMs, and I love it.

• 46:40George Kamel?

  I love it, and I screenshot them, and I send them to our producer and say, "Deal with it."

• 46:46Rachel Cruze?

  So good. Well, if you enjoyed this episode, you're gonna love our episode, "Men vs. Women: Who Handles Money Better." We'll make sure to link it for you, or click right here, and it's gonna be great. So make sure to subscribe to the channel as well, so you don't miss an all-new episode of Smart Money Happy Hour.