Pod Insights Smart Money Happy Hour with Rachel Cruze and George Kamel Putting Our Financial Knowledge to the Test (With Special Guests!) About this episode 📈 Are you on track with the Baby Steps? Get a free personalized plan.
Today’s special guests may not be old enough to drive a car, but they’ve got some serious money chops. In this episode, test your knowledge as Rachel and George quiz each other (and the Cruze kids!) on personal finance.
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Today’s Happy Hour Special: 🍋 Lavender Lemonade
Recipe: @theenikj
1 1/2 cup sugar
1 cup water
1 tablespoon dried lavender buds
1 1/2 ounces butterfly pea flower tea
3 ounces lemonade
Instructions:
Lavender simple syrup: Place sugar, water and lavender buds in a small, covered saucepan on medium heat. Once it’s at a boil, reduce heat and let simmer for 10 minutes. Strain into an airtight container and store in the fridge.
Mocktail: Brew the butterfly pea flower tea. Then, add lavender simple syrup to the bottom of a highball glass. Add ice and pour in lemonade. Garnish with fresh lemon slices before adding more ice and topping with butterfly pea flower tea.
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Transcript Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:05 George Kamel? Today, we're testing our money knowledge with some very special guests. If your mom could buy anything in the world right now, what would she buy?
0:12 Speaker 01 A coffee mug or a book?
0:13 George Kamel? Wow.
0:14 Rachel Cruze? Oh.
0:15 George Kamel? So she doesn't have enough coffee mugs?
0:17 Speaker 01 I think we have plenty.
0:19 George Kamel? What if there was a new chore I could give you and pay you $10? Would you pick up dog poop in the yard?
0:23 Speaker 01 Sure.
0:30 Rachel Cruze? Hey, guys. I'm Rachel Cruze.
0:32 George Kamel? I'm George Kamel.
0:34 Rachel Cruze? And this is Smart Money Happy Hour.
0:41 Rachel Cruze? Well, this is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money.
0:49 George Kamel? But first, Rachel, let's talk about what we're sipping on here. This is My Little Pony Became a Real Drink. It's called a lavender lemonade mocktail.
0:57 Rachel Cruze? Look at the glitter, George.
0:58 George Kamel? I always ask for more glitter in my drinks. I say, "That's exactly what I want stuck in my body for an unforeseeable amount of time." It will not escape.
1:08 Rachel Cruze? It's so fun.
1:08 George Kamel? My grandchildren will know.
1:10 Rachel Cruze? But it brings joy and youth, joy and youth to our...
1:13 George Kamel? It just looks like it shouldn't be edible. But I know it's called edible glitter, but who's making it? I need answers. This is my conspiracy theory. We'll stick around till the end. We'll give you our rating and reveal the cost per glass at the end of the episode.
1:26 Rachel Cruze? All right, well, it's springtime, George.
1:28 George Kamel? We love springtime.
1:29 Rachel Cruze? I love springtime.
1:30 George Kamel? Our birthdays are in the spring?
1:32 Rachel Cruze? Yes, they are.
1:32 George Kamel? The iconic Miss Congeniality perfect date? Can you say the quote?
1:36 Rachel Cruze? Yes, my birthday is April 25th. Not too hot, not too cold. All you need is a light jacket.
1:42 George Kamel? Wow.
1:43 Rachel Cruze? It makes me so happy.
1:44 George Kamel? That felt very like pageant quote.
1:46 Rachel Cruze? I know. Well, it was. It was Miss Congeniality. It was a pageant movie.
1:49 George Kamel? No, no, it makes sense. No, that tracks. Okay. Did you also know, more importantly, April's National Financial Literacy Month?
1:54 Rachel Cruze? Yes. You know, I do know this because we work in the world of personal finance.
1:58 George Kamel? We live it. We breathe it.
1:59 Rachel Cruze? Yes, but it is. It's a month that really is dedicated to the youth, if you will.
2:04 George Kamel? That's right. And say what you will about California. They recently became the 26th state to require Financial literacy in school. We love that.
2:11 Rachel Cruze? Yeah, so there are a lot of states now mandating financial literacy because everyone says always, if I had known this stuff in high school, my life would be different. And so, setting up, you know, the knowledge base early on in the world is so great. So that's why we love getting to middle schoolers and high schoolers and talking about this.
2:28 George Kamel? So in honor of Fin Lit season, as we call it in the biz, we decided to bring a piece of our personal finance curriculum to you so you can put your money knowledge to the test.
2:37 Rachel Cruze? Yeah, so later on in the episode, we're actually going to do a quiz between George and myself in our personal finance curriculum and see if we could get it right.
2:44 George Kamel? You love anything competitive.
2:46 Rachel Cruze? It gets super like tactical, though. Like, it's not just like, what's baby step four? It's like talking about W2s and stuff.
2:52 George Kamel? And you guys will play along in the comments. But first, we created a special money quiz for some very special guests, so let's get them up here. Welcome.
3:00 Rachel Cruze? Here they are. Hi, girls. Hello.
3:04 George Kamel? Should we introduce them? Do the people know who these are?
3:07 Rachel Cruze? Um, why don't you say your full name and see if they get a hint of who they are with their last name? So what's your, what's your name? Caroline. What's your last name? Cruz. Cruz, that's right, my daughter Caroline. How old are you, Caroline? Seven. Seven. What grade are you in? First grade. That's right. And you?
3:24 Speaker 01 Amelia Cruz.
3:25 Rachel Cruze? Amelia Cruz.
3:27 Speaker 01 I'm pretty much 10, technically nine, but.
3:30 George Kamel? We'll round up.
3:30 Rachel Cruze? That's right, when this airs, you'll be 10. Yes, that's right. Yes. And what grade are you in?
3:35 Speaker 01 Fourth.
3:35 Rachel Cruze? Fourth grade. Awesome. Okay. Now, I want to chat about money.
3:39 Speaker 01 Sure.
3:39 George Kamel? Who do you, who do you think is smarter when it comes to money so far in life?
3:43 Rachel Cruze? Who, yeah, like who handles money the best? Like, what do you mean? Like, dad. Dad.
3:49 George Kamel? Okay. Not the answer I was looking for, but it's the answer I wanted.
3:55 George Kamel? Between the two of you, are you better at saving money?
3:58 Rachel Cruze? I'd say yes.
3:59 George Kamel? Okay. Are you better at spending money?
4:00 Rachel Cruze? Yes.
4:01 George Kamel? They're both a gift. They're both a gift.
4:03 Rachel Cruze? They are a gift, yes.
4:04 George Kamel? Okay, so we have some questions that we would like you to answer. We want to make Papa Dave proud. You know what I mean? He's watching right now from wherever he is. And he wants you to get the right answer.
4:17 Rachel Cruze? Oh, my goodness.
4:18 George Kamel? Ready for this?
4:19 Rachel Cruze? Okay, we'll start with this one. Girls, what is a bank? Um, a bank is where you keep your money. It's where you keep your money.
4:26 Speaker 01 You can keep some of your money or like borrow money and then like repay.
4:29 Rachel Cruze? That's right. Do you remember what that word is called? When you borrow money and repay it?
4:34 Speaker 01 Hmm. Nope, I'm no clue.
4:37 George Kamel? It's because you don't do it.
4:38 Rachel Cruze? Debt.
4:38 George Kamel? That's why.
4:39 Rachel Cruze? Remember debt?
4:39 Speaker 01 That's what I thought. And that thing.
4:42 Rachel Cruze? That thing, and do we use debt?
4:44 Speaker 01 No.
4:45 Rachel Cruze? When you swipe a debit card, where does that money come from?
4:50 Speaker 01 The bank or like your account? Bank?
4:54 George Kamel? Yeah.
4:54 Rachel Cruze? Ding ding ding.
4:55 George Kamel? And where does the money come from that's in the bank?
4:58 Speaker 01 The government? No.
5:00 George Kamel? Well.
5:02 George Kamel? She's not wrong.
5:03 Rachel Cruze? She's not wrong. It could.
5:05 George Kamel? But what's mommy doing right now?
5:07 Speaker 01 Working, so she earns money so she can pay it to like, you know.
5:11 Rachel Cruze? Put it in the bank.
5:12 George Kamel? Brilliant.
5:12 Rachel Cruze? There you go.
5:13 George Kamel? Wait, do you have a bank account?
5:15 Speaker 01 No.
5:16 George Kamel? Do you have a bank account?
5:17 Speaker 01 No, I don't think so.
5:18 George Kamel? Do you want one?
5:19 Speaker 01 Kind of. If I need one.
5:21 Rachel Cruze? Not really.
5:22 Speaker 01 If I need one, yeah.
5:22 George Kamel? One day.
5:23 Speaker 01 One day.
5:24 George Kamel? Right now, if you get birthday money, where does it go?
5:26 Speaker 01 In my room.
5:28 George Kamel? Oh, like under a mattress and you have a special drawer?
5:30 Speaker 01 I have like a special little box that I have.
5:32 George Kamel? Where do you put the box?
5:34 Speaker 01 On the top of my shelf, so Charles, my little brother, he can't get it.
5:38 George Kamel? Oh, that's smart.
5:39 Speaker 01 Yeah.
5:40 George Kamel? Okay, how about you?
5:41 Speaker 01 No, he steals our like twins and his little brother. Yes, very much.
5:45 George Kamel? This is an ongoing pattern from this young man. Does he think he deserves this money that you worked hard for, that you were given?
5:52 Speaker 01 Uh, no, he does not deserve it.
5:54 George Kamel? Wow.
5:55 Speaker 01 He needs to work and earn his own money.
5:57 George Kamel? What happens when he's tall enough to reach the shelf?
6:00 Speaker 01 Gotta find another spot. Find a spot.
6:03 George Kamel? Let's hope he doesn't grow too tall.
6:05 Rachel Cruze? Do y'all ever, do y'all ever lose money?
6:07 Speaker 01 Not usually, unless I forget to like, put it like somewhere.
6:12 George Kamel? What's the most amount of money you've ever seen physically?
6:15 Speaker 01 Uh, like 200 bucks.
6:18 George Kamel? Nice.
6:18 Speaker 01 My dad.
6:19 George Kamel? He pulled it out, he was like, hey, 200 bucks right there. Were you impressed?
6:23 Speaker 01 Hmm, sort of. It's like this show, it's called Mr. Beast Games and like. Oh, yeah, that, yeah.
6:28 George Kamel? How much money was that?
6:29 Speaker 01 Uh, I forget, it's like, it was five. Five. Five thousand. No, five thousand, no, five million dollars, yeah. Five million dollars.
6:37 George Kamel? That's probably five thousand hundred, I think, if you spread out the zeros.
6:41 Speaker 01 Okay.
6:42 George Kamel? That's amazing.
6:44 George Kamel? I love it.
6:45 Rachel Cruze? That's a lot of money. Um, girls, why is it important to give?
6:51 Speaker 01 So like. To homeless people?
6:53 George Kamel? It's good. So people who don't have money, it's nice to give to those who are less fortunate.
6:57 Rachel Cruze? Mm-hmm, and help people out.
6:59 Speaker 01 And like people who like need it the most.
7:01 Rachel Cruze? Mm-hmm.
7:01 Speaker 01 And like, kinda like donating toys or something that you don't use anymore for other kids who don't have that much stuff, you know?
7:08 Rachel Cruze? Yes. And when y'all have done that, what does that do for you?
7:12 Speaker 01 Kinda makes me feel better sometimes, but like, mm-mm. Sometimes like I accidentally donate a toy. Like you could do that and like not want to.
7:22 Rachel Cruze? That's fair. So you don't always wanna give things away, but sometimes we have so much that we're like, you gotta pick something.
7:27 George Kamel? Something's gotta go.
7:28 Rachel Cruze? Yeah. Is it hard for you Caroline to give, or do you like it?
7:31 Speaker 01 I kinda like it.
7:32 Rachel Cruze? You like it? Mm-hmm, it's good.
7:34 Speaker 01 Depends.
7:35 George Kamel? Depends on what it is.
7:36 Rachel Cruze? Classic saver and spender right there, you know? We always say it.
7:40 George Kamel? Give it away.
7:41 Rachel Cruze? Give it all away.
7:42 George Kamel? Okay, this one's about mom. Can you be honest?
7:45 Speaker 01 I'll try.
7:46 George Kamel? If your mom could buy anything in the world right now, what would she buy?
7:50 Speaker 01 A coffee mug or a book?
7:51 George Kamel? Wow. So she doesn't have enough coffee mugs?
7:55 Speaker 01 I think, I think we have plenty.
7:57 George Kamel? Okay.
7:59 George Kamel? She just likes to have a lot of all of it?
8:01 Speaker 01 Or like new clothes.
8:02 George Kamel? New clothes, coffee mugs, and books. Yeah, that, that sums it up.
8:06 Speaker 01 I'd say.
8:06 George Kamel? What about your dad? What would he buy?
8:09 Speaker 01 Maybe like some new tools or like.
8:11 George Kamel? Some bricks or something?
8:12 Speaker 01 No, no, no, like, um, like a new, like, I don't know, like, like wrench or like.
8:18 George Kamel? Oh yeah, new wrench. So he would like go to like Home Depot or something and wanna get some tools?
8:22 Speaker 01 Yeah, he does that a lot. So far he's been looking at like bird feeders or something.
8:26 George Kamel? Oh yeah, that sounds like him. I've heard he's into rocks.
8:30 Speaker 01 Oh yeah. Yeah, and like go to the garden.
8:32 George Kamel? Okay, so can you go buy a rock somewhere? Do they just have rocks for sale?
8:37 Speaker 01 Probably. Like a bag of rocks.
8:39 George Kamel? Yeah, makes sense. Someone's gotta get the rocks and then sell the rocks. What are you saving up for right now?
8:44 Speaker 01 Really nothing.
8:46 George Kamel? You have everything you could ever want.
8:48 Speaker 01 Yes.
8:49 George Kamel? Is there anything you want that mom and dad said no to?
8:51 Speaker 01 An iPhone.
8:52 George Kamel? Oh.
8:53 Speaker 01 I'd buy another like pillow or something like a Squishmello.
8:56 George Kamel? Oh, I love Squishmello. Let's talk about Target. You know your mom spends a lot of time at Target.
9:02 Speaker 01 Yeah, she does.
9:03 George Kamel? She donates a lot of money to Target and they gift her stuff.
9:06 Speaker 01 She doesn't always go.
9:08 George Kamel? Where else does she go?
9:11 Speaker 01 Oh, Old Navy.
9:13 George Kamel? Old Navy?
9:13 Speaker 01 Yeah, that's a good point. We do go shopping there sometimes.
9:16 George Kamel? What about fast food?
9:17 Speaker 01 Normally you just order online like groceries and stuff like you never go to the store. Yeah, she never goes. She goes.
9:22 George Kamel? Never to the grocery store.
9:23 Speaker 01 So lazy.
9:24 George Kamel? Okay, so you're saying she's lazy, doesn't go to the grocery store.
9:28 Speaker 01 Kind of. Yeah, and even. Mimi. She does that every morning, every Saturday. Instacart.
9:37 George Kamel? So a perfect Saturday for mom.
9:39 Speaker 01 Mimi says you need to get out more.
9:40 George Kamel? Is she goes to Target, Old Navy. How does she eat? How does she get food?
9:45 Speaker 01 She orders it online.
9:47 George Kamel? Okay, what about fast food? Do you ever get to go through a drive-through or something?
9:50 Speaker 01 Sometimes.
9:51 George Kamel? What's your favorite spot?
9:52 Speaker 01 Chick-fil-A. Chick-fil-A.
9:55 George Kamel? Chick-fil-A. What's your order?
9:56 Speaker 01 Probably fruit. Yeah, eight-count nugget.
9:59 George Kamel? Yep.
9:59 Speaker 01 With like fruit. No, Caroline, you don't always eat like the eight- It depends how hungry I am, okay?
10:06 George Kamel? True. Sometimes she's famished. You know how much an eight-count grilled nugget meal costs?
10:11 Speaker 01 No.
10:11 George Kamel? Guess.
10:12 Speaker 01 Eight.
10:13 George Kamel? Eight dollars?
10:14 Speaker 01 Go like-
10:15 George Kamel? It's pretty good, actually.
10:16 Speaker 01 Yeah?
10:16 George Kamel? It's pretty spot on.
10:18 Speaker 01 How much do you think it costs a million? It's an eight-count like a- Cause it's an eight-count meal, so eight dollars. Cause there's eight nuggets?
10:24 George Kamel? That makes sense.
10:25 Speaker 01 Okay, that makes more sense now.
10:26 George Kamel? It's in the name. They're counting out eight dollars and you get eight nuggets in return. So a dollar per nugget is what you're willing to pay?
10:33 Speaker 01 Yes.
10:33 George Kamel? Okay.
10:34 Speaker 01 That's pretty good.
10:35 George Kamel? If you wanted to buy something at Target, how would you get money for that?
10:38 Speaker 01 Either by earning it or like, yeah, normally by working.
10:42 George Kamel? How do you earn money as an almost ten year old?
10:45 Speaker 01 Doing chores, like doing chores and like when mom and dad go out of town, I take care of June sometimes.
10:50 George Kamel? Oh, so you take care of the dog and you get some money. Okay, what's the most lucrative chore, the one that would make you the most money?
10:57 Speaker 01 Taking care of June, I get ten bucks for that. Cleaning the whole playroom.
11:00 George Kamel? How much is that?
11:01 Speaker 01 That's only like five bucks Caroline.
11:02 George Kamel? Oh, she's making double taking care of the dogs.
11:06 Speaker 01 Exactly.
11:09 George Kamel? Okay, so how much can you make in a week? If you do all the chores, how much could you make in a week if you really worked hard?
11:14 Speaker 01 I don't know, mom doesn't always pay us for like doing unleashing the dishwasher or something.
11:18 George Kamel? Yeah, that's a family, that's a family chore, that's smart.
11:20 Speaker 01 I know, it depends though. I'm serious.
11:23 George Kamel? Do you pay mom for, for cooking ever?
11:25 Speaker 01 Nope.
11:26 George Kamel? That's what I thought. Some things you just do for the good of the family.
11:29 Speaker 01 Yes.
11:30 Rachel Cruze? It's part of the family.
11:30 George Kamel? What's your least favorite chore that you get paid for?
11:33 Speaker 01 Doing the dishwasher. I love doing that. It's actually kind of fun. Um, I don't always like cleaning the playroom because it depends on like how messy it is. I don't mind cleaning my room because I know where stuff goes. Let me say she loves doing the dishes. Our stuff always gets like mixed up and like I'm like, does this go here? Yeah, you do like.
11:48 Rachel Cruze? Do I?
11:49 Speaker 01 I would have had that.
11:50 George Kamel? What if there was a new chore I could give you and pay you ten dollars? Is there something you enjoy doing that you aren't getting paid for?
11:55 Rachel Cruze? For ten dollars?
11:56 George Kamel? For ten dollars, would you pick up dog poop in the yard?
11:59 Speaker 01 Sure.
12:01 George Kamel? You wouldn't do it for ten dollars?
12:02 Speaker 01 When, no, I'd do it for twenty. Because when I was a baby, mom said she could do everything except dog poop.
12:09 George Kamel? Oh, that was her one thing when getting a dog.
12:11 Rachel Cruze? Because I gag.
12:13 Speaker 01 You gagged at the fish when you were cooking.
12:15 Rachel Cruze? I do gag. They had, they bought a fish and it was.
12:17 Speaker 01 Caroline did, not me.
12:18 Rachel Cruze? And it was in the kitchen, I was cooking, I was like.
12:25 Rachel Cruze? I'm very sensitive to my.
12:26 George Kamel? We all have our limits. Okay, can we do some math? I heard you, you're really good at math.
12:32 Speaker 01 I hate math.
12:33 George Kamel? You hate math?
12:33 Speaker 01 Just throwing that out.
12:34 George Kamel? And you got first place?
12:35 Speaker 01 I want to do it. Yes.
12:37 Rachel Cruze? It's so annoying.
12:37 George Kamel? In cahoots?
12:38 Speaker 01 Yes.
12:39 George Kamel? And you're class president as of today?
12:41 Speaker 01 Yes.
12:41 George Kamel? Along with Cole?
12:43 Speaker 01 Yes.
12:43 George Kamel? What did he do to deserve it?
12:44 Speaker 01 I have no clue. He's just the funniest in the class. He doesn't deserve it.
12:49 George Kamel? You know what? Take down the patriarchy, that's what I say.
12:51 Speaker 01 That's what I mean.
12:53 George Kamel? How much money is this? Ready? Count it in your head. Four quarters, one dime, and one penny. What does that add up to total?
13:00 Speaker 01 I have no clue. Wait, can you say that again?
13:02 George Kamel? Four quarters, one dime, one penny.
13:05 Speaker 01 I have no clue how much there is. One dollar and eleven cents. I do not do money. I'm learning decimals in school, so like, well, I just moved on from that.
13:13 George Kamel? So quarter is how much money?
13:15 Speaker 01 A dollar. Well, no.
13:16 George Kamel? Four quarters.
13:17 Speaker 01 Sorry, four quarters is a dollar, but um, one quarter is 25 cents.
13:21 George Kamel? Okay, so four quarters, one dime, one penny, what's the total amount?
13:24 Speaker 01 One dollar and 11 cents.
13:27 Rachel Cruze? There it is. Well done. Good job. Good job, girl. Good job.
13:31 George Kamel? Okay, do we have another? No, I think that's it. Any questions we missed that you think are important for the good of the group?
13:36 Rachel Cruze? Um, what would you come to me for as your mom when it comes to money? And what would you go to dad for?
13:44 Speaker 01 I would go to, well, can I spin this on this?
13:47 Rachel Cruze? And I'm usually gonna say more yes than dad.
13:50 Speaker 01 Yeah. Dad's always like, why don't you save it for something? Like, why don't we like just? Save it for something that you need.
13:59 George Kamel? So what you're saying is, the things that you want are just wants. You don't really need it. It would be fun to have.
14:06 Speaker 01 Yeah.
14:07 George Kamel? What does he think you need that he thinks you should save for?
14:10 Speaker 01 A car, like to put, I don't know. Why a car? We're so young. But like, if you save, if you keep like saving, you might add up to like get a car. You're still little.
14:21 George Kamel? Okay.
14:22 Speaker 01 You're nine.
14:24 Rachel Cruze? In the future. Coming soon.
14:26 Speaker 01 In the future.
14:27 Rachel Cruze? Coming fast.
14:28 George Kamel? Yeah, you're gonna be driving in what, six years? That's scary. Do you know how much a car costs these days?
14:34 Speaker 01 Oh, 15,100 million.
14:36 George Kamel? Honestly, close, somewhere in between. That's Mr. Beast money, you know what I'm saying? Okay, so what do you expect when you get to drive? Who's gonna pay for the car? Have you talked about that?
14:48 Speaker 01 Maybe like half of me and then like half of like my parents or like. Or my husband or my parents. If I get married in that point?
14:54 George Kamel? So the husband buys the car? So at 16, you have a husband who pays for the car?
14:59 Speaker 01 Probably. I don't know.
15:00 George Kamel? Okay.
15:01 Speaker 01 Really don't know. I don't know the future.
15:04 George Kamel? Nobody knows the future, but husband to 16 is a potential.
15:10 George Kamel? I like this plan. Do you know what car you'd want to drive?
15:13 Speaker 01 Yeah, I would get a white van. Or a gray van.
15:16 Rachel Cruze? Good girl.
15:17 Speaker 01 Any kind of van.
15:18 George Kamel? You just want a lot of room for activities.
15:20 Speaker 01 Or convertible.
15:21 George Kamel? Oh, now we're talking.
15:23 Rachel Cruze? All right, girls, that was a really fun game. So we're gonna let you go for a few minutes, but will you come back and do our guilty as charged segment with us?
15:30 Speaker 01 Yes.
15:31 Rachel Cruze? Yes. Wonderful. Okay, perfect. Okay. Thank you, girls.
15:33 Speaker 01 I love doing this. I want to do it every day now.
15:35 Rachel Cruze? Oh, do you?
15:36 Speaker 01 I really do.
15:37 Rachel Cruze? Yeah, you love it? So fun. It's fun.
15:40 George Kamel? Anyone can have a podcast these days.
15:41 Rachel Cruze? Anyone can do it. We'll just get you a mic. It'll, it's great.
15:44 George Kamel? You're gonna do great. So we were just talking about some of our favorite products that we've purchased with Amelia and Caroline, and we gotta talk about another favorite product, which is anything from Cozy Earth.
15:52 Rachel Cruze? Love Cozy Earth, George. It's absolutely incredible. Like, the quality of the stuff, you guys, it's amazing. And it's just beautiful. And I feel like this is a silly thing to say, but it's stylish. Like, sometimes you buy stuff and you're like, oh, that's a weird fit. Like, even the way it fits, everything, it is wonderful. In fact, my brother-in-law, I got him a pair of joggers for Christmas. He loved them so much, he bought another pair in a different color, and then bought my sister-in-law some of the pajamas. And they were like, they're obsessed. So.
16:20 George Kamel? I feel like you're now a low-key influencer.
16:22 Rachel Cruze? I, I, I love Cozy Earth products. I do. From the sheets, the robe. I wore it this morning getting ready. Like, I just, I love all their stuff.
16:29 George Kamel? The blanket is epic. My wife loves the PJ set. And so if you want to get some great quality products for the people you love or for yourself, they're giving our listeners and viewers an incredible deal. Up to 40% off.
16:40 Rachel Cruze? 40% off.
16:41 George Kamel? At cozylearth.com/smartmoney, or use the promo code SMARTMONEY at checkout. This is your best bougie frugal life. It's time. Some of y'all need to upgrade?
16:51 Rachel Cruze? Yes.
16:51 George Kamel? Cozy Earth is the way to do it.
16:52 Rachel Cruze? Go get you some athleisure from Cozy Earth. It's amazing. All right, George, so as we're talking about kids and money, uh, let's break down some ages really quickly and just talk through some things that you can start applying to your own kids, if you have them in your household. To allow them to learn about money.
17:07 George Kamel? Yes, that are age appropriate. Because I have a, you know, a one and a half year old. There's not a whole lot I can do at this stage of the game.
17:13 Rachel Cruze? No.
17:13 George Kamel? But as they get older, you'll see it really starts to pick up steam. So let's start, I think, like, three to six. Is that a good starting range?
17:20 Rachel Cruze? Yeah, I think that's great, yeah. And this is where they can kind of start doing some small chores. They can start picking up after themselves a little bit, right? With your help, but to show this, like, progress, I think, is what's important.
17:30 George Kamel? A little bit of responsibility.
17:32 Rachel Cruze? Yeah, and just like, oh, there's toys on the ground, but if I pick them up, it is clean. You're starting to see this, like, causation of life. When you do work, what happens? And then also, when they're this young, pay them. You know, and a couple of chores too, so they can actually learn and associate that money comes from work.
17:46 George Kamel? Yes, and a little chore chart goes a long way. We have Financial Peace Junior that can help with this. But it's fun to say, hey, if you help carry in the groceries, you set the table, you put the laundry in the basket, you get a dollar.
17:57 Rachel Cruze? Yeah, it's great, yeah. And I would pay them right away at this age. And also, you know, no percentages. You don't have to be like, oh, you have to use this specific amount of money for this or that, percentage wise. Just like, let them just save up some money, have some fun.
18:08 George Kamel? And let them have some instant gratification. Again, they're like three, four, five here. It doesn't need to be complicated. So just encourage them with some positive reinforcement.
18:16 Rachel Cruze? All right, seven through 11, here's some chore ideas. Feed the pets, vacuum, bring the mail in, fold and deliver laundry, pack their own lunches, and load and unload the dishwasher.
18:27 George Kamel? Yeah, we heard Amelia talking about how she loves unloading the dishwasher.
18:30 Rachel Cruze? Dishwasher is one of my girls.
18:31 George Kamel? Caroline, on the other hand...
18:33 Rachel Cruze? Not so much.
18:34 George Kamel? Not a fan.
18:35 Rachel Cruze? Not a fan of the dishwasher. And then there is where you can kind of pay them weekly. So this is the age that my kids are in. And I'll just say, it is hard. It's hard to keep up with everything. And I've just noticed for me, on my phone app, I will put, like, if they've done something and I don't have the cash, I'll just like, I'll put a note, yes. And then it's like, okay, now, you've done a couple of chores together, here's some money that I can pay you.
18:57 George Kamel? And this is where you can start to introduce the idea of commission. You do this, you get paid.
19:02 Rachel Cruze? And yeah, yeah, you work, you get paid. And this is an age I would split up the money into giving, saving, and spending because you want them to do all three.
19:09 George Kamel? Understand, this is the only three things you can do with money, and it's good to do all three.
19:13 Rachel Cruze? All right, ages 12 through 18, so at this point, they can do things like babysit younger siblings, mow the lawn, wash or detail cars, work at Chick-fil-A or Target, referee sports games. So there's some things they can be doing. Once they kind of get in the mid-range of that, like 15, 16, you can get their own checking account, like a student checking account under yours. So they can learn about having a debit card and accounts, all of those things. But they really start becoming more and more independent with money, which is great. You want to loosen the rope a little bit? Yes. So when they're out on their own, they've been doing it.
19:43 George Kamel? And that's the key, is by the time they're 12 to 18, they already have the foundation, the principles down. Now they're living it out, they're kind of becoming a little more independent. And it's becoming more real. I mean, they're actually getting paid. They got to figure out what a paycheck looks like, how to get it into their bank account, how to use the money, what happens when you run out of money. This, if Americans got a hold of this, we would not be trillions in debt.
20:04 Rachel Cruze? That's true. Just the basics, George. We just need the basics.
20:07 George Kamel? It's that hard and it's that easy. So parents have a large role to play. And you wrote a whole book called Smart Money, Smart Kids, that is incredible, that really helps outline all of this. So be sure to check that out. We'll drop a link in the show notes.
20:18 Rachel Cruze? So being a Ramsey personality, one thing that I love being a part of is our high school curriculum. So we have foundations and personal finance, and you guys, this has been taught in 45% of the high schools across America, which is crazy. It's like 7 million students.
20:31 George Kamel? Wow.
20:31 Rachel Cruze? And so it's just incredible, and we love the teachers that teach this. We so appreciate a lot of states.
20:37 George Kamel? Absolute heroes.
20:37 Rachel Cruze? Yeah, our mandating financial literacy, kind of what we were talking about. So we do love seeing even legislation from a higher level come into play to really be like, hey, we need to teach our teenagers how this stuff works. And George, we know the teachers in schools, they work so hard. And so our Department of Ramsey Solutions, Foundations and Personal Finance, our curriculum department is actually giving away some vacations.
21:00 George Kamel? A little teacher appreciation giveaway.
21:01 Rachel Cruze? For some teachers out there, yeah. So one teacher could win a $5,000. Trip, a vacation, and then two teachers are going to win $3,000 vacations each.
21:13 George Kamel? Yeah, so you can enter to win April 1st through the 30th, 2025. Teachers of any subject, pre-K through 12th grade and homeschool teachers are eligible. So if you're a teacher, you have a teacher in your life that you love, send them to this website, ramsaysolutions.com/teacher. No purchase necessary.
21:29 Rachel Cruze? All right, our team has pulled some questions that came out of our personal finance course, and we're gonna see who can answer them the fastest. It's gonna be super fun, George.
21:37 George Kamel? So play along at home, if you're listening or watching, drop your score in the comments. If you get them all right, I think you might beat us.
21:44 Rachel Cruze? Unbelievable.
21:44 George Kamel? This might be hard.
21:45 Rachel Cruze? Now, before we get to that, one thing that is so important to talk about is your internet safety.
21:50 George Kamel? Look at you.
21:51 Rachel Cruze? Because you don't realize how often you put your information out there and companies like Delete Me, which is a wonderful subscription, they go in, you guys, and they remove your information because companies will take your information and then sell them to other companies. And we don't like that because that means you're gonna have a lot of spam, a lot of scammers, all the things.
22:13 George Kamel? Yeah, so if you want to protect yourself, get Delete Me in place. They do this all year long in the background, and they'll send you these reports every other month, showing you what they did, what they found, what they removed, and how much time they've saved you. I'm up to 77 hours, and they have removed me from 240 data broker sites.
22:28 Rachel Cruze? Unbelievable.
22:29 George Kamel? And reviewed over 20,000.
22:31 Rachel Cruze? Yeah, I mean, it's-
22:32 George Kamel? Who has the time? Delete Me does.
22:33 Rachel Cruze? Delete Me does, because that's what they do for you. So we love Delete Me, so make sure to check it out.
22:39 George Kamel? Join delete me.com/smartmoney will give you 20% off any of their annual plans, and it is worth every penny. Get this done today.
22:47 Rachel Cruze? All right, George, so Kelly has, she's out, actually sick this episode.
22:52 George Kamel? Bless her.
22:52 Rachel Cruze? So Alex, our wonderful producer here at Ramsey, has stepped in, and I think you're actually gonna kind of moderate the quiz for us, Alex, is that correct?
23:01 George Kamel? Wow, it's a big job.
23:02 Speaker 03 This is a, yes.
23:04 George Kamel? You feel the pressure?
23:05 Speaker 03 I feel the pressure.
23:06 George Kamel? Rachel's very competitive, so-
23:07 Rachel Cruze? It is multiple choice, right?
23:08 George Kamel? Keep it above the best.
23:09 Rachel Cruze? We got multiple choice.
23:10 Speaker 03 Multiple choice.
23:11 Rachel Cruze? Okay, here we go.
23:12 Speaker 03 Questions here, okay. So let's start off with an easy one. Uh, number one, what is an example of an appreciating asset? A, a home? B, a new car?
23:22 Rachel Cruze? A.
23:24 George Kamel? You can't, but they have to hear all the answers. They're playing along at home, Rachel.
23:28 Speaker 03 Uh, this is, this is speed round. I think you could say it.
23:30 Rachel Cruze? I think if you hear the answer.
23:31 George Kamel? What were the other ones, just so Alex can feel heard?
23:35 Speaker 03 Uh, thank you, George. New car purchased within the past six months. A piece of farming equipment. A computer used for business purposes.
23:44 George Kamel? Okay, it was A, a home.
23:45 Speaker 03 Yeah.
23:46 Rachel Cruze? All right.
23:46 George Kamel? A home is the only appreciating asset there.
23:48 Speaker 03 All right, y'all ready for number two? Here we go. The average college student in America graduates with blank in student loan debt.
23:55 Rachel Cruze? Thirty-five thousand dollars.
23:58 George Kamel? Just say you cheated.
23:59 Speaker 03 She's right. It was D.
24:00 Rachel Cruze? I know it. I know it.
24:02 Speaker 03 The other answers were...
24:04 Rachel Cruze? I know it, I just saw the college section in a talk.
24:06 George Kamel? For everyone at home wondering why Rachel's ruining the game, this is just who she is.
24:11 Speaker 03 George, you need to pick it up.
24:12 Rachel Cruze? Maybe this should be fill in the blank.
24:14 Speaker 03 Kicking your rear end.
24:15 George Kamel? I didn't know we were playing like that. You know, we're playing dirty. Okay.
24:18 Speaker 03 Here we go. Three components of compound growth are money, time, and?
24:22 George Kamel? Rate of return.
24:24 Rachel Cruze? Dang.
24:25 Speaker 03 It was rate of return, guys.
24:26 George Kamel? I rest my case.
24:27 Rachel Cruze? That was good. That was good.
24:29 Speaker 03 All right, number four. Blank is an official ban on trade with a country. A, a tariff. B, rationing. C, a quota, or D, an embargo.
24:41 Rachel Cruze? Embargo.
24:43 Speaker 03 Hmm, I'm gonna give that one to George.
24:44 Rachel Cruze? Ah!
24:45 Speaker 03 Slightly, slightly ahead. I think we're neck and neck, two and two, maybe?
24:47 George Kamel? All right, all right.
24:49 Speaker 03 Okay, number five. Federal Deposit Insurance Corporation, FDIC, and National Credit Union Administration, NCUA, keep your money in the bank insured up to blank per account.
25:01 Rachel Cruze? A hundred and twenty-five thousand dollars.
25:02 George Kamel? Two-hundred-and-fifty thousand dollars, final answer.
25:04 Speaker 03 It was two-hundred-and-fifty thousand dollars.
25:06 Rachel Cruze? God, it's...
25:06 Speaker 03 Oh.
25:07 George Kamel? Five-hundred thousand dollars if it's a joint account.
25:12 George Kamel? Bonus answer. It's good to know. A lot of joint, we tell people to join bank accounts.
25:17 Rachel Cruze? Okay, it's fair.
25:17 George Kamel? What they don't know, they're protected up to half a million.
25:19 Rachel Cruze? That's good. That's good info.
25:21 Speaker 03 It's good to know.
25:22 Rachel Cruze? America to know.
25:22 George Kamel? For account category.
25:24 Rachel Cruze? Okay.
25:24 Speaker 03 All right, number six. What is the main IRS form that most Americans use to file their taxes?
25:29 Rachel Cruze? W-2.
25:32 Rachel Cruze? 1099?
25:34 George Kamel? You're just gonna keep saying numbers?
25:36 Speaker 03 All right.
25:36 Rachel Cruze? W-2.
25:37 Speaker 03 Is it A, Form 1099?
25:40 Speaker 03 Uh, B, Schedule C. C, Form I-9. Uh, D, Form 1040.
25:46 George Kamel? 1040. That's the one. That's the one you actually used to file.
25:50 Rachel Cruze? Shoot.
25:51 Speaker 03 Yeah, it's a 1040.
25:51 George Kamel? So the W-2, the 1099, those are income, but that's not the actual return.
25:55 Rachel Cruze? No, I'm fine.
25:57 Speaker 03 All right, two more. Number seven.
25:59 Rachel Cruze? Stupid.
26:00 Speaker 03 What does the, the Form W-4 estimate?
26:03 George Kamel? Withholdings.
26:05 Speaker 03 A, how many tax returns you need to submit. B, how much money you'll spend in that fiscal year. C, how much tax you'll owe based on your personal situation. Or D, how much income you should be making.
26:20 George Kamel? It's C.
26:21 Rachel Cruze? C or D?
26:22 George Kamel? I'll give it to Rachel.
26:23 Speaker 03 It's C.
26:23 George Kamel? But then you said or D, so now I feel like I should win that one.
26:26 Rachel Cruze? No, it's okay. It's, it's fine.
26:27 Speaker 03 It's C. It's fine.
26:28 Rachel Cruze? It's great.
26:28 George Kamel? It's fine. Okay.
26:30 Speaker 03 All right.
26:30 George Kamel? So repeat that, repeat the answer for us.
26:32 Rachel Cruze? Oh.
26:32 Speaker 03 How much tax you'll owe based on your personal situation.
26:35 Rachel Cruze? Okay.
26:36 George Kamel? That doesn't feel like a dictionary definition, but I will let it slide.
26:39 Speaker 03 It's close enough.
26:40 George Kamel? But if you need to change your withholdings, it's the W-4 form.
26:43 Speaker 03 Yes.
26:44 Rachel Cruze? Okay.
26:44 Speaker 03 Exactly.
26:45 Rachel Cruze? There you go.
26:45 George Kamel? All right.
26:46 Speaker 03 All right, uh, number eight, this is the last question.
26:48 Rachel Cruze? Okay.
26:48 Speaker 03 All right, here we go. What type of interest rate is locked in and won't change for the life? Rachel gets it.
26:55 Rachel Cruze? Sorry. Not sorry, but.
26:57 Speaker 03 Not sorry.
26:58 Rachel Cruze? I think we tied.
26:59 Speaker 03 Yeah, it's close enough.
27:00 George Kamel? We tied.
27:01 Rachel Cruze? Yeah. Four to four, George, isn't that fun?
27:08 George Kamel? Is it fun to tie?
27:09 Rachel Cruze? No fun.
27:11 George Kamel? Do you watch a football game where they tie and you go, isn't that fun?
27:14 Rachel Cruze? Isn't that fun? That means it's a good game.
27:16 George Kamel? Now we have to go into overtime.
27:18 Rachel Cruze? That's why we like that. Oh, an overtime question?
27:20 George Kamel? Yeah.
27:21 Speaker 03 All right, overtime question.
27:22 Rachel Cruze? Wait, you have it?
27:23 George Kamel? No, he doesn't have it.
27:23 Rachel Cruze? Oh, I was like, oh my gosh!
27:25 Speaker 03 Unfortunately, I don't.
27:26 Rachel Cruze? Oh, man, y'all, well, that's good. I think we've.
27:29 George Kamel? These are actually, these are pretty hard questions for a high schooler.
27:32 Rachel Cruze? Yeah, these are intense.
27:33 George Kamel? So I'm impressed.
27:33 Rachel Cruze? These are intense.
27:34 George Kamel? I do love when high schoolers go through the curriculum and they go home and they're teaching their parents about personal finance.
27:39 Rachel Cruze? Yes, oh, it's the best.
27:40 George Kamel? So here's what I will say, this is some final thoughts from me. Parents have a lot of guilt and shame and baggage when it comes to money. And they, there's a lot of things they don't know. And therefore, they don't want to talk to their kids about it. But guess what? That means your kids are gonna learn it from TikTok or whatever they heard on the bus if they're not going through our curriculum. And so it's on you as a parent to make sure your kid understands this.
28:00 Rachel Cruze? No, it's so true. And it's so fun, too, because we have seen people that have taken the high school curriculum. And now they're like, oh, yeah, I totally took your curriculum in high school. And because of it, I chose the right college that I could afford. I stayed away from credit cards. Like, they do it all.
28:14 George Kamel? Saved up cash for a car?
28:16 Rachel Cruze? Yes, so it is proof that your kids are listening and they're watching you. And so, yes, you have such an impact that you can make, because we've seen that. So, we love it.
28:24 George Kamel? It's important. And the earlier you get it, the better. I don't want anyone out there to go, man, I wish I had this. Well, listen, the best time to plant a tree was 20 years ago. The next best time is today. So it's never too late to learn. You like that, old man wisdom?
28:35 Rachel Cruze? Wow, Farmer, Farmer George.
28:37 George Kamel? Can I tell you? George means farmer in Greek.
28:40 Rachel Cruze? No, it doesn't.
28:42 George Kamel? Google it.
28:42 Rachel Cruze? Unbelievable. Felt it in the spirit. So good. Okay, well, let's bring the girls back for our guilty as charged and rate our drinks. All right, girls, welcome back. Now, before we spill the tea on guilty as charged, let's rate our drinks.
28:55 George Kamel? It's a lavender lemonade mocktail.
28:58 Speaker 01 It has glitter.
28:59 George Kamel? It does have glitter.
29:01 Speaker 01 So I'm drinking glitter right now?
29:02 George Kamel? Yeah, unfortunately. I thought the same thing. I'm glad someone's with me on this. I don't care if it's edible. I don't think we should be drinking it. What would you give the drink? I'm gonna... I'm gonna give it a six.
29:17 Rachel Cruze? Wow, really, George?
29:18 George Kamel? I want it to be more sour and almost more sweet. It almost isn't enough, but I like it.
29:23 Speaker 01 Eight.
29:24 George Kamel? We got an eight. All right.
29:25 Speaker 01 Seven and a half.
29:27 George Kamel? All right.
29:27 Rachel Cruze? I'm the highest. I'm a nine. I thought it was delicious.
29:31 Speaker 01 It was good.
29:32 Rachel Cruze? Yeah.
29:32 George Kamel? Okay, here's the last part. Guess how much the drink costs? Just making one of these, how much does it cost when you split it all out? Five what? Dollars? Wow, okay.
29:43 Speaker 01 Is that too expensive or too...?
29:44 Rachel Cruze? No, pretty...
29:45 George Kamel? Well, how much did it cost us to make? Not how much would you pay for it at a restaurant?
29:48 Speaker 01 Like, individual, like, items?
29:50 George Kamel? Yeah, you split it up. You got all the ingredients, you made it at home. What does it cost per drink?
29:54 Speaker 01 The glitter's probably like two bucks. And then, like, the lemons are probably like three. Five, maybe?
30:04 George Kamel? Five dollars for one lemon?
30:06 Speaker 01 Okay.
30:07 George Kamel? Okay.
30:07 Speaker 01 We're like...
30:08 George Kamel? We're getting somewhere.
30:09 Speaker 01 Two dollars each lemon, so the lemons all together would be four.
30:12 George Kamel? Okay, so how many lemons are... Now we're...
30:14 Speaker 01 And the glitter would be two, so that's six.
30:16 George Kamel? And it has sugar and water, dried lavender buds, and butterfly pea-flower tea. Did you know that's when you were eating a butterfly?
30:25 Speaker 01 No. Wow.
30:27 George Kamel? Yeah, that changes your rating, doesn't it? No, it's not an actual butterfly.
30:34 George Kamel? It's a type of tea.
30:35 Speaker 01 Oh, okay. Will that make me scared?
30:37 George Kamel? It's a flower.
30:40 George Kamel? It's just the name of a flower, and then for some reason they decided to put the flower in our drink, which I think is not okay. Here's what it comes out to. Ready? Twenty-three cents per drink.
30:49 Rachel Cruze? No.
30:50 George Kamel? Less than a quarter. Unless they would... I don't know why the team would lie to me.
30:55 Rachel Cruze? Wow, that's a cheap drink, y'all.
30:57 George Kamel? Pretty good.
30:58 Rachel Cruze? That does not cost a lot of money, does it?
30:59 George Kamel? No. So, give it a try this weekend. We're gonna put the recipe in the show notes, and let us know what it costs you to make, because I don't even know where to get these ingredients.
31:08 Rachel Cruze? Unbelievable.
31:09 Speaker 01 I don't know where to get edible glitter.
31:10 George Kamel? Exactly.
31:11 Rachel Cruze? George, I think now it's time for...
31:13 George Kamel? Guilty as charged.
31:15 Rachel Cruze? And this is where our producer, Alex, is going to give us a new guilty as charged question. We get a new question every week, girls, and if you're guilty, which means if you've done this, you gotta take a sip of your drink, okay?
31:28 Speaker 03 Yes, so this question's for everybody, so girls, weigh in.
31:33 Speaker 01 All right.
31:33 Speaker 03 All right, here we go. Have you ever bought something with your own money and regretted it, or never used it at all?
31:40 Rachel Cruze? Oh, that's a good one.
31:42 Speaker 01 No.
31:43 George Kamel? Never?
31:44 Speaker 01 Nope.
31:45 George Kamel? You used everything you've ever wanted in your life?
31:48 Rachel Cruze? Anything you've bought that you thought, "Oh, I probably shouldn't have bought that."
31:51 Speaker 01 A pogo stick, because it was too hard.
31:53 George Kamel? No, but I took the pogo stick.
31:55 Rachel Cruze? You're guilty, you're guilty. I'm guilty too.
31:58 George Kamel? The old pogo stick.
31:59 Speaker 01 I really don't think I did, but like I...
32:02 George Kamel? Did you get a pogo stick for free?
32:04 Speaker 01 Yeah, I did.
32:05 George Kamel? Very generous of you to donate it to a friend.
32:09 Speaker 01 After I gave her the pogo stick, I'm like, "Let's buy another one." Like, an easier one, because there's like this one where you pull up something, and then you like hold it up, and then you bounce on it.
32:20 George Kamel? Oh, it does a little bit for you.
32:22 Speaker 01 Yeah, and it squeaks, and it squeaks, and it's so annoying. Because Charles likes to do it, he's like, "Bounce." I do it all around the house, I just jump, jump. But it's hard to go down the stairs.
32:31 George Kamel? Yeah, I would not suggest that. It feels very dangerous.
32:35 Rachel Cruze? Very dangerous.
32:37 George Kamel? Okay, so we got a pogo stick.
32:38 Rachel Cruze? The pogo stick drama, it was a drama moment in the house.
32:40 George Kamel? It feels like a lot.
32:41 Rachel Cruze? The pogo stick drama was very real.
32:42 George Kamel? I feel like you should give her something in return that you're not using.
32:46 Speaker 01 I'll think about it.
32:47 George Kamel? All right.
32:50 George Kamel? That's good. She's not gonna think about it. How about you? What's your last regretful not-used purchase?
32:55 Rachel Cruze? Last regretful purchase? I bought two dress- I just saw this in my closet recently, so I'm thinking about it. I bought two dresses for our Christmas party, for Ramsey's Christmas party, and I didn't wear one. And there was one I was gonna take back. And now if I do, it's on sale, and I won't get as much for it. And I haven't worn it, but I might just keep it. I'll see if I regret later. That was it.
33:16 George Kamel? That is really sad. I think it's close. You know what I thought? I thought, I could be a sweater guy. And so I bought some, like, nice sweaters.
33:24 Rachel Cruze? Okay.
33:25 George Kamel? And I never pull them out and go, I'd love to put on a sweater today. Love to be hot indoors and then regret it and then not be able to take this off. Okay, that's fun. Well, hey, I'm glad that you have no regrets in life so far.
33:38 Speaker 01 I've had different, like, I don't know, like, different things that I regret, not like by buying something.
33:43 George Kamel? Not, not stuff you've bought?
33:45 Rachel Cruze? She's a saver, and Amelia, she waits a little bit to, to buy something. I would say, yeah, you're not as impulsive.
33:51 George Kamel? How much are you looking to save? Like, what would be a crazy amount if I, if I could save this much?
33:55 Speaker 01 Really depends on, like, if I'm saving for something.
33:57 George Kamel? $500?
33:58 Speaker 01 I don't know. I don't think I need that much to, like, buy something.
34:01 George Kamel? Yeah, that's true. What are we buying out here for five? I'd like a, a video game system?
34:06 Speaker 01 Something that you need.
34:09 George Kamel? But you guys have everything you want. Your parents take care of you.
34:11 Speaker 01 For now, yeah.
34:12 George Kamel? You're not suffering at all. You're living a great life. Okay, my one last request. Can I come over for a pool day?
34:19 Speaker 01 Yes, of course.
34:20 George Kamel? Yes!
34:21 Speaker 01 Anytime you would.
34:21 George Kamel? We got it on camera. Can't take it back.
34:24 Rachel Cruze? Come and swim this summer and bring Mia, his little girl.
34:27 George Kamel? Oh, yeah. Can you teach my little daughter how to swim?
34:30 Rachel Cruze? His daughter?
34:30 Speaker 01 Uh, I could try.
34:31 George Kamel? She's only one and a half.
34:32 Speaker 01 I'm not a very good swimmer. Yes.
34:34 George Kamel? But you're saying you could teach a one-and-a-half-year-old how to swim?
34:36 Speaker 01 Uh, with floaties, yes, so, so they wouldn't.
34:40 George Kamel? Sure.
34:42 George Kamel? I appreciate that.
34:43 Rachel Cruze? Pool safety.
34:44 George Kamel? Very exciting.
34:45 Rachel Cruze? Number one.
34:46 George Kamel? Well, thank you for answering honestly for the guilty as charged. And we need more of those questions. So for everyone listening and watching out there, DM us your guilty as charged questions you want to see answered on the show, at Rachel Cruz and at George Kamel with a K. And maybe you'll hear your question in a future episode.
35:00 Rachel Cruze? Well, girls, thanks again for coming in. You're welcome. Spending your afternoon with us after a long day at school. Thank you, thank you, thank you. Love you both so much. And if you guys loved this episode, make sure to check out the episode we have of I Was Today Years Old. You can click the screen for that one. Or if you're listening on podcast, we'll put a link in the show notes. Make sure to subscribe to this channel so you don't miss an all new episode of Smart Money Happy Hour. Cheers.
35:31 George Kamel? Cheers. Wave to the nice people.
35:34 Rachel Cruze? Say bye. Thank you. Thanks for watching us.
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