Cringe or Cool? People Financially Oversharing on the Internet

💵 Create a free budget and find more margin with EveryDollar. If you have feelings about married couples requesting coffee payments from each other on Venmo, you’re in the right place. Today we’re unpacking bizarre public money behaviors—stay tuned to find out if you’re guilty! Next Steps: · 🎙️ Catch our episode Out With the New, In With the Old: Money and Lifestyle Trends. · 🍸 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. Connect With Our Sponsors: · Check out the FAIRWINDS Credit Union exclusive account bundle. · Get 20% off when you join DeleteMe. · Get 20% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍑 Sweet Georgia Peach Smash Recipe by: Pizzazzerie · 2 ounces bourbon · 1 teaspoon lemon juice · 1 ounce simple syrup · 3 slices peach · 1 splash seltzer water Instructions: Fill glass with crushed ice. Combine bourbon, lemon juice, and simple syrup in a cocktail shaker. Shake and strain into glass. Top with a splash of seltzer water and garnish with peach slices. Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 📈 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.

• 0:00George Kamel?

  If you have feelings about married couples Venmo requesting each other, you're in the right place. Today, we are unpacking bizarre public money behaviors.

• 0:06Rachel Cruze?

  Fire hydrant, a tooth, and a mermaid.

• 0:11George Kamel?

  That's not a hydrant. Okay, Kyle, like you guys really paid for that.

• 0:14Rachel Cruze?

  Kyle.

• 0:15George Kamel?

  Daddy paid half down for me.

• 0:16Rachel Cruze?

  I love following people on vacation. I'm like, take me with you. Please post more. I'll come back to your page.

• 0:28Rachel Cruze?

  Hey, guys, I'm Rachel Cruz.

• 0:30George Kamel?

  I'm George Kamel.

• 0:31Rachel Cruze?

  And this is? Smart Money Happy Hour.

• 0:38Rachel Cruze?

  Cheers, George.

• 0:39George Kamel?

  Cheers.

• 0:43George Kamel?

  Zippity-doodah.

• 0:44Rachel Cruze?

  Ooh, summer in a glass.

• 0:47George Kamel?

  That's nice.

• 0:47Rachel 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.

• 0:55George Kamel?

  And before we get to the matter at hand, let's talk about what we're sipping on here. This is a sweet Georgia peach smash.

• 1:01Rachel Cruze?

  I mean, I love it, George.

• 1:02George Kamel?

  Take me to the Derby.

• 1:03Rachel Cruze?

  I will, I will sip on this.

• 1:05George Kamel?

  Take me up to the ballgame. I'll go anywhere with this drink. This is great. All right, stick around to the end. We're going to give you our rating and reveal the cost per glass. You don't want to miss that. All right, Rachel, I'm not one for PDA. Unless it's old people. I think old people, it becomes cute again.

• 1:19Rachel Cruze?

  I know. I agree.

• 1:20George Kamel?

  Like a little, like a little hold hand, a little smooch.

• 1:22Rachel Cruze?

  Yes.

• 1:23George Kamel?

  You know, I think any kiss lasting longer than five seconds where other people can see you is a little much.

• 1:27Rachel Cruze?

  I'm with you. I think that's fair.

• 1:29George Kamel?

  You get a five, you know what?

• 1:30Rachel Cruze?

  We don't need it.

• 1:30George Kamel?

  Airport, if they're leaving for a long time, I'll give you an extra five seconds.

• 1:33Rachel Cruze?

  Especially if they're part of the armed forces and they're leaving on deployment.

• 1:38George Kamel?

  You do what you want at that point.

• 1:39Rachel Cruze?

  Break my heart. Oh, my gosh.

• 1:40George Kamel?

  If you're in uniform, I'm going to look the other way.

• 1:42Rachel Cruze?

  The thing that makes me cry is, um, yeah, veterans, older veterans, like WWII coming off a Southwest plane.

• 1:49George Kamel?

  Oh, yeah.

• 1:50Rachel Cruze?

  When it's been a, yes, and everyone stands and applauds them. Oh, George.

• 1:53George Kamel?

  That is.

• 1:54Rachel Cruze?

  Weepy. I get weepy.

• 1:56George Kamel?

  I mean, that, I don't know if anything could be more patriotic. I will say, like, for some reason, like teenage, like high schoolers, when they're like, they're innocent love. There's something sweet about that when it's on. You know what I mean? Where you're like, oh, I remember those days. Not that I remember, I wasn't obviously.

• 2:10Rachel Cruze?

  I guess so.

• 2:11George Kamel?

  No one was dating you, but.

• 2:12Rachel Cruze?

  Same side of the booth, yea or nay?

• 2:14George Kamel?

  Here's my, here's my rule.

• 2:16Rachel Cruze?

  Okay.

• 2:16George Kamel?

  If the table is so big that we have to, we can't like grab each other's hand across the table. That's too big of a table.

• 2:23Rachel Cruze?

  Okay.

• 2:23George Kamel?

  We'll do same side.

• 2:25Rachel Cruze?

  Okay, okay.

• 2:26George Kamel?

  Or if we're gonna share like some entrees.

• 2:28Rachel Cruze?

  Or if you're in a horseshoe, horseshoed booth.

• 2:31George Kamel?

  Oh.

• 2:32Rachel Cruze?

  Both on the, on the end, right? So you can look out at the restaurant and talk about people. So Winston and I do.

• 2:37George Kamel?

  Both at the end versus like scooting to the middle of the horseshoe?

• 2:40Rachel Cruze?

  Yeah, we go middle horseshoe.

• 2:41George Kamel?

  Yeah, that makes sense.

• 2:41Rachel Cruze?

  Okay, okay. But same side booth at Chili's, I just can't do it.

• 2:45George Kamel?

  Oh, how about this? Square table. Do you sit across from each other or do you catty corner?

• 2:49Rachel Cruze?

  Uh, we catty corner.

• 2:50George Kamel?

  I like a catty corner.

• 2:52Rachel Cruze?

  Yeah, we're a catty quarter.

• 2:53George Kamel?

  We like to share bites and things too.

• 2:54Rachel Cruze?

  Hundred percent.

• 2:55George Kamel?

  So that's more fun.

• 2:56Rachel Cruze?

  And again, we gotta be looking at the restaurant.

• 2:57George Kamel?

  And truthfully, don't love just like staring across at someone.

• 3:00Rachel Cruze?

  Your wife?

• 3:02George Kamel?

  I just, it feels too, it's just like, there's still personal space.

• 3:05Rachel Cruze?

  That's fair. Okay. We're off on our tangent, but uh...

• 3:09George Kamel?

  Yeah, that was fun.

• 3:09Rachel Cruze?

  That's good.

• 3:10George Kamel?

  Well, this is about public displays of transaction.

• 3:12Rachel Cruze?

  Oh, so not PDA, but the transactions.

• 3:16George Kamel?

  Yeah. I, I just don't like it and that actually bothers me much more than PDA.

• 3:20Rachel Cruze?

  Uh, when you see couples Venmoing each other, married?

• 3:24George Kamel?

  That's the ticket.

• 3:24Rachel Cruze?

  Couples, could you imagine Winston Cruz having the audacity to Venmo me?

• 3:28George Kamel?

  That might be the last time.

• 3:29Rachel Cruze?

  With like a Starbucks or a, what are you doing, you fool?

• 3:33George Kamel?

  I'm trying to think of the scenario in which that would even make sense.

• 3:35Rachel Cruze?

  Well, when you share an account, I would think that probably doesn't happen. Cause it's all coming out of one place. Cause if I Venmo you, you put it from Venmo to bank account.

• 3:44George Kamel?

  Yeah, I have the same bank account.

• 3:46Rachel Cruze?

  So that makes me think that you're both separate bank accounts. And someone pays certain bills, some pay certain bills. And if they cross, they gotta be evened up.

• 3:55George Kamel?

  But then you have to think about the scenario in which one spouse said, uh, yeah, I'll got it. Just, uh, just Venmo me. Like casually asking the person that you procreated with to like...

• 4:06Rachel Cruze?

  I could not imagine.

• 4:08George Kamel?

  I'll spot you, but make sure you get me back now.

• 4:10Rachel Cruze?

  I could not imagine and we'll keep it family friendly, but then you go home and you're exchanging all things, but you're gonna Venmo?

• 4:19George Kamel?

  Yep.

• 4:19Rachel Cruze?

  Do you know what I'm saying? Like crazy.

• 4:21George Kamel?

  Like that's your line?

• 4:22Rachel Cruze?

  That, that's your line? That's so crazy to me.

• 4:25George Kamel?

  I don't understand it. I did pull up your Venmo to see.

• 4:28Rachel Cruze?

  Oh, God.

• 4:28George Kamel?

  I noticed one thing, you have 11 friends on Venmo. Like, how is that even possible? That you have no friends on Venmo?

• 4:35Rachel Cruze?

  I don't, I don't do friend requests. People try to request me and I'm like...

• 4:38George Kamel?

  You accepted mine, which I appreciate.

• 4:40Rachel Cruze?

  I did, I'm George.

• 4:41George Kamel?

  I would've been pretty perturbed if you didn't, to be honest.

• 4:43Rachel Cruze?

  Yeah, I don't do, yeah, yeah, yeah.

• 4:46George Kamel?

  Well, at some point, you decided to stop making your feed public. But there is a good six transactions here. The pre-public Rachel on Venmo that I want to, I want to let you know happened. See if this jogs your memory.

• 4:57Rachel Cruze?

  What year would this have been?

• 4:58George Kamel?

  This was all 2018, from February to May.

• 5:01Rachel Cruze?

  My gosh.

• 5:01George Kamel?

  So I think you turned off-

• 5:02Rachel Cruze?

  Before I had Charles.

• 5:04George Kamel?

  The private setting.

• 5:05Rachel Cruze?

  So I had Caroline. Caroline was one years old.

• 5:07George Kamel?

  And to be fair, some people were paying you, and there was only three where you paid them. So half, it's half-half. Your sister Denise paid you for flowers on February 13th. I assume that's Valentine's Day.

• 5:18Rachel Cruze?

  February 13th. Yeah.

• 5:22George Kamel?

  Okay.

• 5:22Rachel Cruze?

  Yeah, but I don't know why Denise was-

• 5:23George Kamel?

  You then paid Denise for bathing suit emoji plus two blonde girls. What is that about? Because you don't have any blonde girls.

• 5:31Rachel Cruze?

  A bathing suit emoji and two blonde girls.

• 5:36Rachel Cruze?

  That was, I bet, for Amelia and Caroline. I'm sorry, Amelia and Lydia. No, we got them matching swimsuits for a beach trip we did when they were little. And Amelia was light back in the day. She's not as, she's brunette now, but she was light when she was little.

• 5:49George Kamel?

  Maybe you didn't know how to change the emojis to different hairstyles back then.

• 5:52Rachel Cruze?

  I bet they couldn't be changed in 2018.

• 5:54George Kamel?

  That's fair.

• 5:54Rachel Cruze?

  You don't follow me, go, that was.

• 5:56George Kamel?

  All right, Mary Ellen paid you for pizza and a movie.

• 5:59Rachel Cruze?

  Okay.

• 5:59George Kamel?

  You paid Tyler for a baby shower.

• 6:01Rachel Cruze?

  That was Chelsea, yes. We threw a baby shower for my friend. Yes, so that was a shared Venmo.

• 6:07George Kamel?

  But then it gets more intriguing. Chris paid you for flamingo pool float?

• 6:12Rachel Cruze?

  When was it? Give me a date.

• 6:13George Kamel?

  April 1st, 2018. April Fool's Day.

• 6:16Rachel Cruze?

  April 1st. So we do a cruise beach trip every spring break. So March, and I bet we went to like Target or something about a bunch of pool floats. And I probably bought a bunch, and then he's paying me back.

• 6:28George Kamel?

  That makes sense.

• 6:29Rachel Cruze?

  Okay, I'm making this up.

• 6:30George Kamel?

  And finally, we have the mermaid emoji from you to your sister Denise, May 28th, 2018.

• 6:35Rachel Cruze?

  Another mermaid emoji.

• 6:36George Kamel?

  I rest my case, Your Honor.

• 6:38Rachel Cruze?

  A mermaid emoji. What was the date?

• 6:41George Kamel?

  A lot of water-related activities for you. This is crazy.

• 6:45Rachel Cruze?

  I love a beach.

• 6:46George Kamel?

  Flowers, pizzas, pool floats. What a life.

• 6:48Rachel Cruze?

  What a fun life I have. That's a pretty-

• 6:51George Kamel?

  And that's just six transactions. I think you turned it on private after that, which I appreciate.

• 6:54Rachel Cruze?

  Um, okay, well, the emoji, mystery emoji's funny, so.

• 6:59Rachel Cruze?

  Our wonderful writer staff created a new game that there's gonna be three emojis. And we have to come up with a scenario, each of us individually, of what we think those emojis are. We just make it up, okay?

• 7:11George Kamel?

  This is like emoji improv.

• 7:12Rachel Cruze?

  We got 20 seconds and we get to rate how well we did, 1 to 10.

• 7:16George Kamel?

  Okay.

• 7:17Rachel Cruze?

  And maybe the team can rate us too, so we can get an even amount. Okay, I'll go first. It's a fire hydrant, a tooth, and a mermaid.

• 7:26George Kamel?

  That's not a hydrant. I know it's small. To be fair, she has bad vision.

• 7:32Rachel Cruze?

  Fire extinguisher.

• 7:38Rachel Cruze?

  And a tooth and a mermaid. Okay, I'm gonna say that one of my kids's tooth got knocked out.

• 7:47George Kamel?

  Alright.

• 7:48Rachel Cruze?

  When we were cleaning out the pantry and we have a fire extinguisher and it fell off the cabinet, hit the tooth, and in order to have like the tooth fairy come later, which was the mermaid emoji, we had to make sure that the dental repair was good and our friend was there and so actually paid the deposits. I had it in my purse and so I'm paying them back.

• 8:09George Kamel?

  That was good.

• 8:12George Kamel?

  I'm convinced.

• 8:14Rachel Cruze?

  The mermaid was the tooth fairy, but I didn't know the fairy emoji.

• 8:16George Kamel?

  The old mermaid fairy.

• 8:18Rachel Cruze?

  So I replaced it with the old mermaid fairy.

• 8:20George Kamel?

  That's great, okay.

• 8:22Rachel Cruze?

  But we had to get the tooth back so that the tooth fairy would come. What do you think? How good was that, George? That was pretty creative.

• 8:28George Kamel?

  I mean, it had twists and turns. Friends became enemies, enemies became friends. It was wild, a wild ride.

• 8:34Rachel Cruze?

  What do you give it?

• 8:35George Kamel?

  Alright, I gave that a, I'll give it an 8 out of 10 for creativity.

• 8:38Rachel Cruze?

  Wow, okay.

• 8:39George Kamel?

  Because truthfully, that was a really hard one.

• 8:40Rachel Cruze?

  Okay, thank you.

• 8:41George Kamel?

  I would not have been able to come up with anything.

• 8:43Rachel Cruze?

  I did it.

• 8:43George Kamel?

  Alright.

• 8:44Rachel Cruze?

  Okay, you go next, George.

• 8:46George Kamel?

  Okay, I have the, I've got the party hat emoji.

• 8:50Rachel Cruze?

  Love that one, one of my favorite.

• 8:51George Kamel?

  They're blowing the, what's that thing called? The little party favor?

• 8:56George Kamel?

  We know what it's, we know what sound it makes. I can't think of the name. Then a spider emoji, followed by...

• 9:02Rachel Cruze?

  An orange.

• 9:03George Kamel?

  Is that an orange? Oh, I thought it was a pumpkin.

• 9:05Rachel Cruze?

  That's an orange, go big orange. That's what I use for my UT during football season.

• 9:09George Kamel?

  Okay, okay, go. I'm throwing a huge party for Halloween. You guys are invited, cruises are coming over. I want it to be spooky, but also football themed, because we're gonna watch the big game. It's a big game.

• 9:22Rachel Cruze?

  And it falls on Saturday.

• 9:24George Kamel?

  And it falls on a Saturday, so we've got Go Big Orange, hence the orange emoji. And I'm definitely getting pizzas. Didn't even include the pizza emoji. That's a bonus for you.

• 9:33Rachel Cruze?

  Oh my gosh.

• 9:34George Kamel?

  Papa John's.

• 9:35Rachel Cruze?

  That was good, yes. I love Papa John's.

• 9:39George Kamel?

  This sounds like a party you would want to attend.

• 9:41Rachel Cruze?

  It actually sounds really fun. Um, I'm gonna give it a seven out of 10. It just didn't have the oomph that I needed.

• 9:48George Kamel?

  Yeah, well, there was no plot. There's not like a lot of twists and turns there.

• 9:52Rachel Cruze?

  Yeah, you gotta give me a good story.

• 9:53George Kamel?

  Nobody was injured.

• 9:54Rachel Cruze?

  Yeah.

• 9:55George Kamel?

  No money was exchanged.

• 9:57Rachel Cruze?

  Yeah, because who are you Venmoing?

• 10:00George Kamel?

  Everyone's Venmoing me.

• 10:02Rachel Cruze?

  Oh, for the party?

• 10:03George Kamel?

  Yeah.

• 10:04Rachel Cruze?

  Because you're cheap and you're like, I'm not, I cannot just host.

• 10:07George Kamel?

  I went all out.

• 10:07Rachel Cruze?

  I expected to be paid.

• 10:09George Kamel?

  I went to Party City. That's the level.

• 10:12Rachel Cruze?

  Party City's out of business.

• 10:14George Kamel?

  Are you serious?

• 10:19George Kamel?

  What am I gonna do? That's where I got all of my decor for all of my parties. I guess Spirit Halloween will have to pop up and abandon raw stress for us.

• 10:28Rachel Cruze?

  It's out of business for like nine months, which means you've had no parties all year.

• 10:33George Kamel?

  No, to be honest, if I've ever been in Party City, it was against my will and I did not want to be in there.

• 10:39Rachel Cruze?

  I loved Party City.

• 10:41George Kamel?

  There's always balloons getting blown up and I don't like the sound of that.

• 10:44Rachel Cruze?

  It's a lot happening. I'm surprised it went out of business. I feel like it was always packed.

• 10:47George Kamel?

  You know the squeak of a balloon?

• 10:48Rachel Cruze?

  Yeah.

• 10:49George Kamel?

  It's triggering for me.

• 10:50Rachel Cruze?

  It's a lot. Okay. All right. Next scenario. Oh my cheese. Okay, we got, um, we got a thing of yarn. What'd you call it? Spool?

• 10:59George Kamel?

  A spool.

• 10:59Rachel Cruze?

  Spool of yarn. It looks like a ticket to wherever I decide to make up my story.

• 11:04George Kamel?

  An old school ticket.

• 11:05Rachel Cruze?

  And then a magic eight ball.

• 11:08George Kamel?

  Or is it a, it could be a pool.

• 11:11Rachel Cruze?

  Oh, oh, yeah, I went magic eight ball.

• 11:13George Kamel?

  But I thought the same thing. Either way, we don't know.

• 11:16Rachel Cruze?

  Or a pool.

• 11:17George Kamel?

  I'll let you go either way with that one.

• 11:19Rachel Cruze?

  All right, here we go. Um, we went and saw the real Cinderella at the movie theater with Amelia and Caroline and six of their friends. And they all decided after to go make their dresses, make dresses like the little mice did, you know what I mean, in Cinderella. So I went, but I had a Magic 8-Ball to be like, are we really gonna do it or not? And me and the moms were like, I don't know, what is it saying? And we shook and it said, "Of course." So we, uh, we went and I paid for everything, so they were paying me back.

• 11:49George Kamel?

  Wow. What a fun, creative idea. This is a new mom hack, is you bring a Magic 8-Ball and it's like, the kids all have ideas and like whoever gets it to be like, absolutely, they win.

• 12:01Rachel Cruze?

  Yeah. What do you think about that?

• 12:03George Kamel?

  I love that. I'm gonna give that a nine out of 10.

• 12:05Rachel Cruze?

  Yes, George, you're so generous. Thank you.

• 12:07George Kamel?

  All right, last one.

• 12:08Rachel Cruze?

  Oh, this is funny. This is good.

• 12:10George Kamel?

  Oh, this is perfect. Okay, there's an ice cube emoji, followed by a microphone emoji, followed by a yoga emoji.

• 12:18Rachel Cruze?

  Yep.

• 12:19George Kamel?

  So here's what happened.

• 12:21Rachel Cruze?

  Okay, what happened?

• 12:22George Kamel?

  This was my birthday party.

• 12:23Rachel Cruze?

  Okay.

• 12:24George Kamel?

  And I decided, all the dudes, we're gonna do an ice plunge.

• 12:28Rachel Cruze?

  Ah, cold plunge, yes.

• 12:30George Kamel?

  A little cold plunge.

• 12:31Rachel Cruze?

  Yeah.

• 12:32George Kamel?

  Followed by karaoke.

• 12:34Rachel Cruze?

  Ah.

• 12:35George Kamel?

  And we're gonna end the night with some hot yoga. Really just loosen up, get limber after a couple of drinks and karaoke. And boy, oh boy, what a time we had. Just four of us guys. Listen, just because you can't sing doesn't mean other people can't...

• 12:54Rachel Cruze?

  You just went emoji to emoji to emoji and just named them off.

• 12:56George Kamel?

  Yeah, that's a, it's a sequence of events.

• 12:59Rachel Cruze?

  I don't know why I was bored.

• 13:02George Kamel?

  It's not a party you'd wanna go to.

• 13:05Rachel Cruze?

  Yep. George, I'm so sorry. I think I'm gonna give you a six. I think I won.

• 13:11George Kamel?

  I should have rated you poorly, so I could have won.

• 13:13Rachel Cruze?

  I'm kidding. I'm kidding. That was fun. Listen, when we do talk about the, the whole Venmo being a public, right? We are very big on financial transparency, though. And we host a show all the time with couples specifically that like hide money or have accounts that they just found out about or like whatever, right? So we are all about financial transparency, but also we know that money is very personal to you and the outside world. And so there's a time and place of what you're sharing, what you don't with those outside of your family.

• 13:45George Kamel?

  And if you and your spouse are actually out there paying each other back for lattes or dinner or whatever, you're going to end up on Rachel's prayer list among many highly loved celebrities.

• 13:55Rachel Cruze?

  Love them.

• 13:56George Kamel?

  So maybe you're in good company, but either way, it's, it's not on the right kind of prayer list.

• 14:01Rachel Cruze?

  No.

• 14:01George Kamel?

  You've done something wrong.

• 14:02Rachel Cruze?

  Yeah. And I would say for all couples, but especially if you lean that way, check out EveryDollar, it's our budgeting app, but it's a great way to get two people together, right? To agree on like a household budget. That's the key. Instead of thinking of like individualized money, it's like, hey, this is our household and how can we most efficiently run our household together as two adults who have chosen to get married and spend their lives together, right? But EveryDollar is great with that.

• 14:26George Kamel?

  And it's private. Although maybe we should launch a, a public budget addition.

• 14:32Rachel Cruze?

  Now that would be interesting.

• 14:33George Kamel?

  Put your business out there.

• 14:34Rachel Cruze?

  That would be funny.

• 14:35George Kamel?

  All right, let's continue this rant party respectfully. It's judgment, but it's fun and lighthearted. Okay? Don't at me. Our team has pulled more public financial flex scenarios of things you're doing in public on the internet to go, is this a flex or is it well intentioned?

• 14:50Rachel Cruze?

  Yeah, kind of like cringe or flex. We'll see. But before we dive into that, though, I think a major flex is if you were head to toe in all Cozy Earth, because Cozy Earth products are just, that just says something. And you know what? It's quiet luxury. You don't even know it's Cozy Earth because they don't got it printed everywhere, right? But if you know.

• 15:09George Kamel?

  If you know, you know.

• 15:09Rachel Cruze?

  If you know, you know, as the kids say. And that is, uh, it's big, though. Quality. In its perfection.

• 15:17George Kamel?

  And I got, I got some big compliments from my wife. I wore the, the first layer lounge set.

• 15:23Rachel Cruze?

  Yes.

• 15:24George Kamel?

  In this kind of nice, really nice blue. And she was like, what is this number?

• 15:28Rachel Cruze?

  She's like, get me this, George.

• 15:30George Kamel?

  And it has that material where you just want to like feel it.

• 15:33Rachel Cruze?

  Yes. Oh, it's so soft.

• 15:35George Kamel?

  And I just gifted my brother their everywhere pants and the joggers. So that we can match now.

• 15:41Rachel Cruze?

  Look at you.

• 15:41George Kamel?

  Which he doesn't like that part.

• 15:44George Kamel?

  He has no control of it.

• 15:45Rachel Cruze?

  Bro and bro.

• 15:45George Kamel?

  When he visits me, we're going to be decked out in Cozy Earth.

• 15:47Rachel Cruze?

  I love it. Yeah. So whether it is the clothes, the athleisure wear, the socks, the sheets, the blankets, I mean towels, we could go on and on and on. Cozy Earth is where it's at and they have a great discount.

• 15:57George Kamel?

  Yes. You can give the gift of everyday luxury to yourself or people you love. Just go to cozylearth.com/smartmoney and you'll get up to 20% off. We'll also drop a link in the description to that. And you can fill out the post purchase survey, let them know Smart Money Happy Hour sent you. We'd appreciate that.

• 16:12Rachel Cruze?

  All right. Uh, let's go example number one. Is this financial flex cringe or cool? The debt payoff journey posts on Facebook.

• 16:22George Kamel?

  Oh.

• 16:23Rachel Cruze?

  What would you say?

• 16:24George Kamel?

  I think there's.

• 16:25Rachel Cruze?

  Is that cringe or is that cool?

• 16:26George Kamel?

  There's a level of humility to it that I think is, it doesn't feel like you're flexing. When you're like, hey, we're in crippling debt and we're making an attempt to get out. You know what I mean?

• 16:36Rachel Cruze?

  Yeah, totally, totally.

• 16:37George Kamel?

  They're not bragging about the debt.

• 16:39Rachel Cruze?

  Yes.

• 16:39George Kamel?

  They are trying to probably get, get some accountability.

• 16:43Rachel Cruze?

  Mm hmm.

• 16:43George Kamel?

  Maybe inspire some other people along the way. And I think there's something sort of freeing about putting it out there.

• 16:50Rachel Cruze?

  Out there.

• 16:50George Kamel?

  To know like, you're not alone.

• 16:51Rachel Cruze?

  Yeah.

• 16:52George Kamel?

  Other people are on the journey too.

• 16:53Rachel Cruze?

  Yes. Yeah. I think there's definitely like an empathy play. Cause I think more people in your life than you realize relate to that, but no one talks about it. So when you put yourself out there, it's probably a little vulnerable. Be like, hey, but knowing that like people probably relate. And I think it's all in the caption, you know? Like if you're just like, oh, my hubby and I just paid off $300,000 in four months. Where'd that break? You know, it's like, oh dang.

• 17:16George Kamel?

  That's true.

• 17:17Rachel Cruze?

  Either sold a big asset or make a crap ton of money or something, right? But like, the journey aspect of like, yes, we've been working hard. Here's our heart. The vulnerability of like, we were in a place that we didn't like and we were stressed. And now we're choosing to do something different. Seasons of sacrifice, right? You kind of like paint the whole thing. I think it's, I think it's great.

• 17:35George Kamel?

  Yeah. And when the context matters too. A great place for this is the Ramsey Baby Sips Facebook group.

• 17:39Rachel Cruze?

  Oh, yeah.

• 17:40George Kamel?

  Cause there's like hundreds of thousands of people and it's so normal to share your wins.

• 17:44Rachel Cruze?

  Yes.

• 17:44George Kamel?

  Your struggles.

• 17:45Rachel Cruze?

  That's right.

• 17:46George Kamel?

  On there versus just publicly to people who, you know, know you as an acquaintance.

• 17:50Rachel Cruze?

  Yep.

• 17:51George Kamel?

  But I'm, I'm still for this, especially Instagram, TikTok accounts that are specifically for that. Or it's like follow along.

• 17:58Rachel Cruze?

  I love that.

• 17:58George Kamel?

  Here's our goal. Here's what we're doing. I think it shows people the reality of it.

• 18:02Rachel Cruze?

  And what you can do.

• 18:03George Kamel?

  And makes the sacrifice a little more attainable.

• 18:04Rachel Cruze?

  Yeah, I agree. Okay. I'm going to go more cool on this.

• 18:07George Kamel?

  Yeah. Eileen Cool.

• 18:09Rachel Cruze?

  Yep.

• 18:09George Kamel?

  All right. The next example, Financial Flex Cringe Cool, Loud Budgeting Trend on TikTok.

• 18:15Rachel Cruze?

  Hmm.

• 18:16George Kamel?

  Now, there's a range to this. Like if you're watching an influencer share that they bring in $20,000 a month and that might feed your comparison spiral. Like that's not a good thing.

• 18:24Rachel Cruze?

  That's fair.

• 18:25George Kamel?

  Cause I see some of these posts. It's like, here's how we budget as a family for, for, you know, $18,000 a month. They're like, okay, well, this is now unrelatable.

• 18:33Rachel Cruze?

  Mm hmm.

• 18:33George Kamel?

  You know, it feels like it has to be low enough that you couldn't be bragging.

• 18:37Rachel Cruze?

  Yes.

• 18:37George Kamel?

  If you're going to talk about.

• 18:39Rachel Cruze?

  That's fair.

• 18:39George Kamel?

  How much you're budgeting. But I love the, you know, even the like envelope stuffing.

• 18:44Rachel Cruze?

  Yes. I was gonna, that's what I thought of when I heard loud budget. I don't know. I went to the videos of like, yes, stuffing, stuffing the envelopes, right?

• 18:51George Kamel?

  Like here's how much I have for food, gas, groceries.

• 18:54Rachel Cruze?

  Yeah, I like that. Yeah. The loud budgeting. Um, I may be a little old school on this. Of like, it does feel a little strange. I know I'm on a show that we ask people their budgets every day and they tell everyone. But like, but to put on social media, your specific income.

• 19:14Rachel Cruze?

  Yeah, it's just, I don't know why. I'm like, it just, not that it hits me weird enough that I like, I just, I'm a little bit more old school where I'm like, I just don't know if that's anyone's business unless you're teaching someone how to do it. But just doing it to do it, right, would feel a little cringe to me.

• 19:30George Kamel?

  Yeah, and we ask, I mean, our debt-free screams on the stage, we ask them, what's your household income? Just so there's context for the debt payoff journey. Cause otherwise you're like, well, were they making a hundred fifty thousand dollars or forty thousand dollars?

• 19:43Rachel Cruze?

  Sure.

• 19:43George Kamel?

  That drastically affects the transformation.

• 19:45Rachel Cruze?

  Hundred percent. But loud budgeting specifically, when I hear that, that's like you're going through every line item of your budget.

• 19:51George Kamel?

  Yeah.

• 19:51Rachel Cruze?

  Um, so I guess, unless you're using it for a teaching tool, part of me is like, okay, Sarah, cool. Right? Like, I don't know.

• 20:01George Kamel?

  Cool Sarah.

• 20:02Rachel Cruze?

  I don't know. Does that make sense? So?

• 20:05George Kamel?

  There's a range of what these videos look like.

• 20:06Rachel Cruze?

  It's a range. Okay. So, but more people that do loud budgeting are trying to teach content, right? Would we agree with that?

• 20:12George Kamel?

  And they're definitely like anti-debt, they're all about intentionality.

• 20:15Rachel Cruze?

  So that I'm gonna say cool.

• 20:16George Kamel?

  Yeah.

• 20:17Rachel Cruze?

  In that vein, I'm gonna say.

• 20:18George Kamel?

  I'm sure there's some cringe ones out there, but as a pile, I'm gonna go, this is a cool.

• 20:23Rachel Cruze?

  Beautiful. All right, next. Net worth milestone posts on LinkedIn.

• 20:28George Kamel?

  Oh, gosh. Are these real?

• 20:30Rachel Cruze?

  Um, a net worth milestone.

• 20:34George Kamel?

  Again, LinkedIn feels like not the place. So I think LinkedIn as a specific channel and platform, not into that.

• 20:42Rachel Cruze?

  I'm gonna, I'm gonna say more cringe. Now, we have like Baby Steps Millionaires, right? There's a whole book on it. And people come to us on like, if they come watch the show and they're like, we're Baby Steps Millionaires.

• 20:53George Kamel?

  They always whisper it.

• 20:54Rachel Cruze?

  They whisper it always.

• 20:55George Kamel?

  They don't wanna make a scene. They're very modest.

• 20:57Rachel Cruze?

  And Dave's always like, tell everyone. And I'm like, I don't know if people wanna like, cause at that point, I don't.

• 21:05Rachel Cruze?

  What does that do to tell everyone, right?

• 21:08George Kamel?

  Yeah.

• 21:08Rachel Cruze?

  And again, if it's your close friends and people know you're on a journey or like, again, plug you into the weird Ramsey solar system of life, like.

• 21:15George Kamel?

  Oh, I like that, the Ramsey solar.

• 21:16Rachel Cruze?

  We understand it, right? Like, we're like, we celebrate those things, it's what we do. It doesn't feel weird to me when people say it to me, um, because of what they've accomplished, but just out there on LinkedIn.

• 21:29George Kamel?

  Yeah.

• 21:30Rachel Cruze?

  Little weird.

• 21:31George Kamel?

  Sorry, I'm so distracted now thinking about who would be what planet?

• 21:37George Kamel?

  I'm like, is Dave the sun?

• 21:40George Kamel?

  Everything revolves around him.

• 21:41Rachel Cruze?

  Oh my gosh.

• 21:43George Kamel?

  Is that how it works?

• 21:44Rachel Cruze?

  How many moons do you have, George?

• 21:46George Kamel?

  Yeah. I want to know. I feel like Rachel's got a few rings she likes to accessorize.

• 21:54George Kamel?

  But she's also tasteful, she's not going to be a, I feel like Deloney's a Jupiter. He's like a, just make it big, bro, make it huge, you know what I mean?

• 22:03George Kamel?

  I don't know.

• 22:04Rachel Cruze?

  It's good.

• 22:04George Kamel?

  You could be a Venus.

• 22:06Rachel Cruze?

  Oh, thank you.

• 22:07George Kamel?

  Venus is tasteful.

• 22:08Rachel Cruze?

  Yeah.

• 22:09George Kamel?

  Jade could be a Saturn, I feel like Saturn's really cool and it's got that ring.

• 22:12Rachel Cruze?

  She's got a cool factor, everyone wanted to be Saturn, like wanted a Saturn like in the, when you did your shoebox.

• 22:16George Kamel?

  Just say I'm Pluto.

• 22:18Rachel Cruze?

  I said, I said, I thought it, I thought it.

• 22:20George Kamel?

  Small, often forgotten, is it even a planet?

• 22:26George Kamel?

  I get it, I'm lucky to be a moon in your orbit, Rachel.

• 22:29Rachel Cruze?

  Oh.

• 22:31George Kamel?

  That was fun.

• 22:31Rachel Cruze?

  You're a sweet George, good friend, you're a good friend.

• 22:34George Kamel?

  I wasn't trying to be nice.

• 22:35Rachel Cruze?

  You're a good friend, oh my gosh.

• 22:38George Kamel?

  Uh, back to the trend at hand.

• 22:40Rachel Cruze?

  Yes.

• 22:40George Kamel?

  I do think the milestone one, like I share my story of going from negative net worth to baby steps millionaire, following the plan.

• 22:47Rachel Cruze?

  Yeah.

• 22:47George Kamel?

  But I do it, I'm, I hope it doesn't come across bragging.

• 22:51Rachel Cruze?

  In context, though.

• 22:52George Kamel?

  Yes, it's like in a bio where I'm trying to convince someone that it can happen for them too, it's never out of context at a, at a party.

• 23:00Rachel Cruze?

  Yeah, maybe I'm being so hypocritical in this game where I'm like, when we do it, it's fine.

• 23:04George Kamel?

  Well, if you're teaching financial content, you want to know that someone's actually walked the talk. So I think it's different in that regard versus an average Joe on the street.

• 23:12Rachel Cruze?

  I know, right?

• 23:13George Kamel?

  But I still think the. Ramsey baby steps. There's actually a baby steps millionaires group as well. So I think those groups, like when there's the context, we have shared context.

• 23:21Rachel Cruze?

  Yes, that's it.

• 23:22George Kamel?

  It makes much more sense.

• 23:23Rachel Cruze?

  First, it's just something like, I'm a millionaire.

• 23:25George Kamel?

  If you just posted that on Instagram, I'd be like, whoa.

• 23:27Rachel Cruze?

  Okay, and I will say this, maybe I'm being, I'm probably so, I don't know. I'm thrown off on this whole episode because of who I am. My conscience is like pulling me all directions.

• 23:35George Kamel?

  You're a good person.

• 23:36Rachel Cruze?

  No, because I'm like, baby steps millionaire means I worked a plan and I'm biased. But it's like, oh, actually a healthy plan that's like not like get rich quick. Like you've done a lot of hard.

• 23:47George Kamel?

  It's implied, there's no trust funds.

• 23:49Rachel Cruze?

  There's a lot of hard work. You know what I mean? Like.

• 23:52George Kamel?

  It wasn't handed to you, like you were self-made.

• 23:54Rachel Cruze?

  Yeah, so when I see like net worth on here, when that was the scenario, I went to like Brad being like three million dollars in equities and you're like.

• 24:02George Kamel?

  Well, and to be fair, you've said on this show multiple times, you're not a fan of net worth as a measurement.

• 24:07Rachel Cruze?

  That's right.

• 24:08George Kamel?

  Like as a focal, a focal point.

• 24:10Rachel Cruze?

  A focal point, not my favorite, but okay.

• 24:12George Kamel?

  It's not my favorite.

• 24:13Rachel Cruze?

  My gosh, that's so hard.

• 24:14George Kamel?

  That's a southern way to say, I hate it.

• 24:16Rachel Cruze?

  That is so hard.

• 24:16George Kamel?

  It's not my favorite.

• 24:17Rachel Cruze?

  I know. So to be a baby steps millionaire, though, you do have to be intentional. And it's important for anyone, whether you are a baby steps millionaire or not, to be intentional about where you bank.

• 24:27George Kamel?

  That's true.

• 24:27Rachel Cruze?

  And that's why we love.

• 24:28George Kamel?

  It's a make or break.

• 24:29Rachel Cruze?

  Fairwin's credit union, y'all, they are the best, honestly. There is a great smart bundle. So you get a no fee checking account. You get up to 10 high yield savings accounts. And then the Ramsey beware debit card. And Winston and I were just talking this weekend because our kids are getting money and we're trying to teach them like, don't spend everything because they've been so young. So we're like, you know, we're kind of flex with it. But it's to the point now where I'm like, no, especially Amelia, we need to like tighten up and like, actually she needs her own savings account. And Winston was like, doesn't Fairwin's have 10 options like on our account?

• 25:02George Kamel?

  Oh, yeah.

• 25:03Rachel Cruze?

  That we can add like an Amelia, yeah, an Amelia line and then an account. Yeah. So we're going to open up, yes, we're going to have a couple of high yield savings accounts.

• 25:10George Kamel?

  That's so fun.

• 25:11Rachel Cruze?

  I know, which they make it so easy to do it. That's why I love it. So they're wonderful.

• 25:15George Kamel?

  And like people, if you haven't used a credit union before, I love it because they are really focused on their members. They are owned by the members versus shareholders on Wall Street. So they're going to treat you like a real person. Their customer service is amazing. I've actually talked to them on the phone. That's incredible.

• 25:30Rachel Cruze?

  No, they call.

• 25:31George Kamel?

  They call you when you make an account. It's so wild. So check it all out. Go to fairwins.org/Ramsey to learn more and just kind of add it to your banking mix. I'm not telling you to like you have to make the switch tomorrow and switch everything over. I know that's some work, but once you get a taste of what real banking should be, you're not going to go back. So go check it out. We'll drop a link in the description as well.

• 25:51Rachel Cruze?

  All right. Example, number four, George. Baby's first car post from dad on Facebook.

• 25:58George Kamel?

  I don't think babies should be driving. I don't know what state that's legal in.

• 26:01Rachel Cruze?

  So I guess this is like when your child gets their first car and they post their kid's first car.

• 26:08George Kamel?

  Oh, that's true. It's never the kid posting it. It's like the parent posting the kid next to the car.

• 26:12Rachel Cruze?

  Yeah, which makes me assume that the parent paid for it and then is flexing about the kind of car that they paid for, right?

• 26:21George Kamel?

  Well, especially you can tell if the kid paid for it based on what car it is.

• 26:24Rachel Cruze?

  That's, that's my, that's my play. I want my kid pulling up in a Honda Civic.

• 26:32George Kamel?

  I can't wait to see if they end up driving it.

• 26:33Rachel Cruze?

  And they, Amelia, and Amelia does, she wants like, she'll see, she'll see like an older car. She's like, I think I'm in that kind of car. I was like, yes, girl.

• 26:40George Kamel?

  She's not, nothing alluring about the fancier cars?

• 26:43Rachel Cruze?

  That's my flex. Isn't that kind of like an awesome humble brag?

• 26:47George Kamel?

  Yeah. If your kid is like, man, I love an old Honda Civic.

• 26:50Rachel Cruze?

  And you're like, not saying we're this, but like you see a family and you're like, oh yeah, they probably could do, they probably like could buy a nicer car for their kid, but their kid's not driving it. Cause they chose not to and the kid probably had to pay for part of it. Isn't that like a cool, I don't know. When I see that happen, I'm like.

• 27:05George Kamel?

  It shows some like self-control. It's a little subdued.

• 27:07Rachel Cruze?

  Maybe that's it.

• 27:08George Kamel?

  Stealth wealth, quiet luxury. You don't, you don't need to flex.

• 27:12Rachel Cruze?

  We don't need to flex.

• 27:12George Kamel?

  Cause the car is not for the kid. Like I'm, I do these man on the street interviews and I talk to these parents who spend 30, 40 grand on their kid's car because they say, well, I want her to be in a reliable, safe car.

• 27:23Rachel Cruze?

  In a safe car.

• 27:24George Kamel?

  Can't have her out there in a, in a death mobile.

• 27:25Rachel Cruze?

  I do think 16 year olds care though.

• 27:28George Kamel?

  Oh yeah. It's all about what your friends are driving too.

• 27:30Rachel Cruze?

  Yes.

• 27:31George Kamel?

  If you're the only one driving a 15 year old car and your friends all have brand new Jeep Wranglers.

• 27:37George Kamel?

  It's gonna, you'll feel it. I feel it now with my daughter.

• 27:39Rachel Cruze?

  That's where character is built.

• 27:41George Kamel?

  Driving around the little toy Jeeps.

• 27:43Rachel Cruze?

  Oh, yes.

• 27:43George Kamel?

  Yeah, we have like the, you know, no name Amazon brand and they have like the Jeep Wrangler. They have like Range Rover, little toy.

• 27:49Rachel Cruze?

  Oh, yes.

• 27:50George Kamel?

  Like, this is crazy.

• 27:51Rachel Cruze?

  Yep. Have that same attitude. I think that's good.

• 27:54George Kamel?

  So you gotta keep up with the Joneses, even the baby Joneses. So, yeah, I don't like these. I would say these land mostly in the cringe category. Depending on the caption.

• 28:03Rachel Cruze?

  Yep. I think the caption's important. But if you're like, hey, he paid for half of his car, or he paid for his car, I'm so proud of him.

• 28:10George Kamel?

  There we go.

• 28:11Rachel Cruze?

  I'll flex that all day.

• 28:12George Kamel?

  Next up, oh, this is really a great step up from the baby's first car. The "we just bought a home" post on Instagram.

• 28:18Rachel Cruze?

  Okay, all right. Give me more context. What's going on?

• 28:21George Kamel?

  Well, number one, you have like the key picture where it's like the folks on the key. We did a thing.

• 28:28Rachel Cruze?

  We did a thing.

• 28:30George Kamel?

  These ones, I, okay, these ones I don't know why are cringe. I just don't like them. But like you're in the like closing title office. And you have like a sign with a key and your like Realtors next to you.

• 28:41Rachel Cruze?

  Okay, doesn't bother me as much.

• 28:43George Kamel?

  It just feels, there's like a photo op set up for it. I'd rather be authentic. Like you do whatever post you want to make.

• 28:51Rachel Cruze?

  Okay.

• 28:52George Kamel?

  That's all.

• 28:52Rachel Cruze?

  Yeah, yeah, yeah, I'm hearing you. Okay, I'm just thinking through. I don't mind it as much. I don't think.

• 28:58George Kamel?

  Okay.

• 28:58Rachel Cruze?

  Would you rather see a picture of the house and they're like?

• 29:00George Kamel?

  I like to see a house.

• 29:01Rachel Cruze?

  You do?

• 29:03George Kamel?

  Yeah. I think it's more exciting than your Realtor. No offense to your Realtor. And like the, you know, Brenda at the closing office, but I don't know.

• 29:11Rachel Cruze?

  I guess that's true.

• 29:12George Kamel?

  It feels a little more real.

• 29:15Rachel Cruze?

  Okay, that's fair. That's fair.

• 29:17George Kamel?

  Sometimes these are encouraging and fun, especially if it's someone I know and I know the journey they've been on.

• 29:21Rachel Cruze?

  Yeah.

• 29:22George Kamel?

  Because we also know how hard it is to just buy a freaking house in 2026 and beyond. So I'm like, anybody that does it is a feat.

• 29:28Rachel Cruze?

  I've seen them and I don't get my, I don't feel a reaction.

• 29:32George Kamel?

  You feel nothing.

• 29:32Rachel Cruze?

  I feel nothing with them, so I'm gonna say, cool. They don't, yeah, I don't get like a reaction. I get a more reaction with cars than I do houses.

• 29:41George Kamel?

  Well, I will say the bigger, the bigger and fancier the house, the more you're like, okay.

• 29:45Rachel Cruze?

  Okay, that's fair.

• 29:45George Kamel?

  Okay, Kyle, like you guys really paid for that.

• 29:48Rachel Cruze?

  Yeah. Kyle.

• 29:50George Kamel?

  Daddy paid half down for me, you know? Have you seen those posts where it's like, actual advice? It's like, you gotta grind, you gotta sacrifice, like, here's the steps. And then like, step nine is like, have a really rich dad.

• 30:02Rachel Cruze?

  Oh yeah, I know.

• 30:04George Kamel?

  Have rich parents who fund everything.

• 30:05Rachel Cruze?

  Yes.

• 30:05George Kamel?

  It's just like tucked in there. That's great. Yeah, I would, I would check the motivation, you know? Read the room.

• 30:10Rachel Cruze?

  Read the room.

• 30:11George Kamel?

  But otherwise, I'm not mad. I'm sure I maybe posted when we got our first home. Especially the first one. That one feels like really special.

• 30:19Rachel Cruze?

  Yes.

• 30:19George Kamel?

  You know what I like? The goodbye post to the old home.

• 30:23Rachel Cruze?

  Oh.

• 30:24George Kamel?

  Like, you were great to us. You know, I like those.

• 30:26Rachel Cruze?

  Sweet.

• 30:28George Kamel?

  I like the grief when it comes to homeownership.

• 30:30Rachel Cruze?

  Give me sad and emo for George. He likes endings, not beginnings.

• 30:35George Kamel?

  Like, Whitney was very sentimental with her old houses. Cause like, that's where she learned how to walk, and that's where we brought the baby home. And I just look at a box. I'm like, alright, on to the next box.

• 30:46Rachel Cruze?

  We're ready to leave.

• 30:47George Kamel?

  Could've happened anywhere.

• 30:48Rachel Cruze?

  Yeah, just happened here. Happened now.

• 30:50George Kamel?

  That's great. She doesn't love when I minimize her feelings.

• 30:56Rachel Cruze?

  No, she does not, George. Okay, uh, vacation dump on millennials Instagram. Oh no, I might be guilty of this.

• 31:05George Kamel?

  There's some people in this room that are guilty of this.

• 31:07Rachel Cruze?

  A photo dump.

• 31:08George Kamel?

  Our writer Savannah. Now, I will say, I have messaged her, but it is pure, like, living vicariously through her.

• 31:15Rachel Cruze?

  Wait, for what?

• 31:16George Kamel?

  As someone who's not a single woman.

• 31:18Rachel Cruze?

  Yeah.

• 31:18George Kamel?

  I, I'm like, yes. Like, it's giving like, feel the rain on your skin vibes. No one else can feel it for you.

• 31:27Rachel Cruze?

  Because Savannah does them?

• 31:29George Kamel?

  Yeah, she goes on these amazing girls.

• 31:30Rachel Cruze?

  Oh yeah, and then she photo dumped.

• 31:31George Kamel?

  And these girls are like, they're so great, they're so fun. I know most of them.

• 31:35Rachel Cruze?

  Yes.

• 31:35George Kamel?

  And I'm kinda jealous. I'm like, this is a vibe.

• 31:37Rachel Cruze?

  Yeah, that's why I'm, okay, okay, I'm with you. They don't bother me.

• 31:41George Kamel?

  Yeah.

• 31:41Rachel Cruze?

  And in fact, I'll be honest, not to pat myself on the back, but especially if you know the people and know the family, you're like, oh my gosh, I'm gonna, I'm gonna see. Take me on your journey with you.

• 31:50George Kamel?

  Yes.

• 31:51Rachel Cruze?

  I don't know, it doesn't bother me.

• 31:52George Kamel?

  Here's where it goes awry.

• 31:53Rachel Cruze?

  Okay, go.

• 31:54George Kamel?

  The Instagram story that's like, maybe 30 to 40 clicks through the Instagram story.

• 31:59Rachel Cruze?

  For sure. We need like, a palatable.

• 32:02George Kamel?

  Yeah.

• 32:02Rachel Cruze?

  Yes, story arc. Mm-hmm.

• 32:05George Kamel?

  It needs to, like, you gotta limit it. I'm gonna go, I feel like 10 a day mess.

• 32:08Rachel Cruze?

  I love a vacation. I love a vaca- I love following people on vacation.

• 32:12George Kamel?

  You love vacation that much?

• 32:14Rachel Cruze?

  Mm-hmm. That if I see someone on. Um, I'm like, take me with you. Please post more. I'll come back to your page to keep up with what's going on. Cause I like it. I do.

• 32:26George Kamel?

  I do like the food. I'm a, I'm a food guy. So I like to see the food, the drink, the ambiance.

• 32:32Rachel Cruze?

  Yeah.

• 32:32George Kamel?

  I even like a shot with nobody in it. Just a nice scenic shot sometimes is pleasant.

• 32:36Rachel Cruze?

  So beautiful.

• 32:37George Kamel?

  Give me a little Santorini.

• 32:39Rachel Cruze?

  Yeah, I'm gonna go, I'm gonna go cool, I'm gonna go cool.

• 32:40George Kamel?

  I'm gonna go 80% of the time, this is cool. Here for it. 20%, it's like, all right, we get it.

• 32:47Rachel Cruze?

  And you know, there was a girl, I don't even know who she is. Y'all probably, people in this room may know. I don't even know. It's a girl. She's got like a million followers on Instagram. So she's somebody. And she had this massive private jet on her bachelorette party. Anyways, that bachelorette party kept showing up on my feed and I was hooked.

• 33:02George Kamel?

  Oh, you were into it.

• 33:03Rachel Cruze?

  Oh, couldn't get enough. I was like, all right, ladies, what are we doing tonight? Where are you going? I liked it. It was some influencer. I don't know.

• 33:10George Kamel?

  I do feel like if there's a private jet involved, it's gonna just upset people.

• 33:15Rachel Cruze?

  No, but is that not fun to watch?

• 33:18George Kamel?

  Sure.

• 33:18Rachel Cruze?

  But I love Real Housewives. I love Real Housewives. So maybe that's why.

• 33:21George Kamel?

  Real Housewives of Beverly Hills.

• 33:23Rachel Cruze?

  Yeah, it's like a small reality show that I get to watch on Instagram. I'm all about it, gals. Keep it up.

• 33:30George Kamel?

  Well, I think the question is always like, the thread already is like, who's funding this? That makes a difference. Like how hard did you work to earn this thing?

• 33:36Rachel Cruze?

  No, no, no. Stop that. No, stop it. I'm this, I'm this. Give me this. On a vacation that I'm following on Instagram.

• 33:45George Kamel?

  You never judge or question what's going on behind the scenes?

• 33:48Rachel Cruze?

  I really don't care. I wanna see though. I wanna watch.

• 33:50George Kamel?

  You don't care who's paying for it?

• 33:52Rachel Cruze?

  No.

• 33:52George Kamel?

  All right. You know what? That's actually, you're very honest. I like that.

• 33:55Rachel Cruze?

  But you know what they all need to think about when they're posting online? Is their online privacy?

• 34:01George Kamel?

  And safety.

• 34:01Rachel Cruze?

  And that's why I love Delete Me. Cause they go into data broker sites, remove your data. Cause your name, your address, your phone number, your kids' names, like all of that is out there. And Delete Me goes in and removes it so that your data's not sold. And then you're not up for, you know, some. Spams and phishing, like all the threat of that happening, less and less.

• 34:22George Kamel?

  Helps protect you. And you don't have to be like a public figure for this to matter.

• 34:25Rachel Cruze?

  That's right.

• 34:26George Kamel?

  Anyone can be a target and they can come after you if they have your data and they will sell it for profit. They're not scared. And so Delete Me goes in, removes your personal information from hundreds of these data broker sites. They keep it gone. They have real data privacy experts behind the scenes all year long, doing this to save you time and hassle. And they send you a report showing you what they've done, how much time they've saved you. And it's one of my favorite emails of the month because I have no hobbies.

• 34:49Rachel Cruze?

  Just see your hours.

• 34:50George Kamel?

  That's what I'm looking for. Refresh, refresh.

• 34:52Rachel Cruze?

  Let me see, let me see.

• 34:53George Kamel?

  It's so great. So check it out. You can get 20% off their annual plans at joindelete.me/smartmoney.

• 35:00Rachel Cruze?

  All right. Next example is the GoFundMe for non-emergencies. So my son needs new baseball gear, not the sudden medical diagnosis.

• 35:12George Kamel?

  This is a big one and I've seen some ridiculous GoFundMes.

• 35:14Rachel Cruze?

  Have you? Okay. I'm not in that. I don't see as much. What would that?

• 35:18George Kamel?

  Well, think about like any, anybody's just life goal. They're like, well, maybe someone else will just fund this for me. You know what I mean? Whether it's education, or I just want a thing, or like this is going to help me in some way. But I do feel like health is the one that gets me.

• 35:33Rachel Cruze?

  Medical.

• 35:35George Kamel?

  Yeah.

• 35:35Rachel Cruze?

  Or someone passing. I was gonna say, someone passing. Yes.

• 35:39George Kamel?

  Those are the ones that I've personally given to.

• 35:41Rachel Cruze?

  Hundred percent, hundred percent.

• 35:42George Kamel?

  I can't think of anything else that's a GoFundMe that I've given to that isn't like health or death related.

• 35:47Rachel Cruze?

  College education.

• 35:48George Kamel?

  No, it can't be a frivolous goal.

• 35:50Rachel Cruze?

  Yeah. Yeah. I'm going to go cringe on that one.

• 35:53George Kamel?

  Yeah.

• 35:54Rachel Cruze?

  Because it is, what this is, is for non-emergencies.

• 35:57George Kamel?

  Well, and it feels like, hey, there's people who really need this help right now and you're just like.

• 36:02Rachel Cruze?

  Making noise.

• 36:03George Kamel?

  Yeah. You're just making noise out here, trying to get your baseball gear.

• 36:05Rachel Cruze?

  But to your point, on the other end of the spectrum, it actually is an amazing tool for the internet that like.

• 36:10George Kamel?

  GoFundMe?

• 36:11Rachel Cruze?

  Yes. Like if you do have something like serious, right?

• 36:14George Kamel?

  Yeah.

• 36:14Rachel Cruze?

  A sudden loss or something medical, especially like with kids, your kids or something, all of it. Yes. I'm like, what a beautiful way for the internet to be used to be like, hey, I, yes, that this family needs help. And for people to actually tangibly be able to help.

• 36:27George Kamel?

  Yes.

• 36:28Rachel Cruze?

  Because you would never know.

• 36:29George Kamel?

  Can I give you a great example?

• 36:30Rachel Cruze?

  Love to.

• 36:31George Kamel?

  I got to be a part of it, which was exciting. So we do these man on the street interviews on my YouTube channel. We were in Charlotte. We talked to these two young ladies who are teachers, special ed, and like they're paying for their own supplies. And so she mentioned her wish list. It's like, well, hey, like, send me the wish list. I'd be happy to donate to it. And like, maybe I can put it in the description of the video. So we ended up doing that. And it was, everything on the wish list was gone within 30 minutes. To where people were like, how can I give? I sent her a gift card. I didn't know what else to do. So she messages me in tears. And she's like, I've been sharing this with the other teachers. They are just like so amazed. And it was teacher appreciation week. And so she opened up a separate one of just like to contribute

• 37:15George Kamel?

  to all the teachers' classrooms at that school. And people started giving to that.

• 37:18Rachel Cruze?

  Oh, my gosh. See, that's the good of humanity, y'all.

• 37:21George Kamel?

  It really made me feel good about the internet and YouTube for at least a day.

• 37:24Rachel Cruze?

  Well done, George.

• 37:26George Kamel?

  Thank you. I mean, all I did was say, I mentioned it in the video. And then I, you know, made sure to get the link.

• 37:31Rachel Cruze?

  Yeah, put it in the link there, yes.

• 37:33George Kamel?

  And then, you know, the audience came through. And so that was really, I was like, that's a good thing. It's not like a health GoFundMe situation.

• 37:40Rachel Cruze?

  That's fair. That is fair, but that's someone out, yes.

• 37:43George Kamel?

  Can we solve the problem of these teachers needing to buy their own supplies? I hope so. Let's get to the root of that. But in the meantime, let's all cover their wish lists.

• 37:51Rachel Cruze?

  I love that, George. Those made my day.

• 37:53George Kamel?

  That was a good one.

• 37:54Rachel Cruze?

  That's so good.

• 37:54George Kamel?

  Just remind me of that. Okay, next up, way less important to society, the Sephora Hall.

• 38:00Rachel Cruze?

  Okay.

• 38:03George Kamel?

  That's a flex. Or in my case, the Costco Hall or the Trader Joe's Hall.

• 38:06Rachel Cruze?

  You love that.

• 38:07George Kamel?

  The Aldi Hall. These are the videos that show up on my algorithm.

• 38:10Rachel Cruze?

  I'm gonna go cool. I don't get a, I don't get like a angry adrenaline happening when I see it.

• 38:18George Kamel?

  Yeah.

• 38:18Rachel Cruze?

  If anything, I'm a little interested.

• 38:21George Kamel?

  You wanna know, do you ever look at people's carts when you're shopping? Especially when you run into someone you know at the grocery store?

• 38:27Rachel Cruze?

  Never.

• 38:27George Kamel?

  You've never done that?

• 38:29Rachel Cruze?

  Look at their cart?

• 38:30George Kamel?

  Yeah, I wanna know what they're buying.

• 38:31Rachel Cruze?

  No, I'm conditioned, I'm conditioned white, Winston always says. Unaware of anything happening. He always tells me, babe, be conditioned yellow. Alert awareness.

• 38:39George Kamel?

  Well, people must come up to you. Do they scare you?

• 38:42Rachel Cruze?

  I'm condition white.

• 38:43George Kamel?

  Do they scare you when they come up to you?

• 38:45Rachel Cruze?

  Who? People?

• 38:46George Kamel?

  People in public. If you're shopping.

• 38:48Rachel Cruze?

  No, no, but I'm not looking at them. I don't look at what they wear. I mean, they'll walk away, you know, not from like a interaction from someone publicly, but it'll just be a scenario. And Winston's like, "Did you see her ring?" And I'm like, "She had a ring on?" "No, I don't even know." I'm, I don't even think about that stuff. So unaware. So no, I wouldn't even think to look. Now that you've said it though, I will. I will. But no, I don't.

• 39:11George Kamel?

  I have like a, I'd say 15% concern when I'm out shopping about what's in my cart and if I run into someone I know or someone that knows me.

• 39:19Rachel Cruze?

  George, I want to relieve you from that.

• 39:21George Kamel?

  What judgment am I gonna get?

• 39:21Rachel Cruze?

  No. Man, it's always people that judge people that think they're being judged. Let's be free of that.

• 39:28George Kamel?

  I don't know what would be in my cart that I'd be ashamed of though, you know what I mean?

• 39:30Rachel Cruze?

  I don't even think about that towards me.

• 39:33George Kamel?

  I was just-

• 39:33Rachel Cruze?

  Because I don't judge people.

• 39:34George Kamel?

  I was just at Sam's Club this weekend and a woman came up to me and we were chatting charcuterie for a good 20 minutes.

• 39:40Rachel Cruze?

  Good for you.

• 39:41George Kamel?

  She's also gluten free? And so we were talking about it.

• 39:44Rachel Cruze?

  Did you get nervous about what was in your cart?

• 39:46George Kamel?

  I, well, my cart was aside, so she didn't see the cart.

• 39:49Rachel Cruze?

  Okay.

• 39:50George Kamel?

  But I wasn't, no, I wasn't, you know, it was for the kids. Everything was for the kids.

• 39:54Rachel Cruze?

  Okay.

• 39:54George Kamel?

  But just be on yellow alert, is what I'm saying. Head on a swivel.

• 39:58Rachel Cruze?

  Condition yellow. Mm-hmm.

• 40:00George Kamel?

  But I personally like the whole-

• 40:01Rachel Cruze?

  If something has changed in your environment, you go orange and then condition red is there's action happening and I gotta get out of here.

• 40:09George Kamel?

  Has that happened?

• 40:10Rachel Cruze?

  Nope. Oh. I've never-

• 40:13George Kamel?

  You said it like-

• 40:14Rachel Cruze?

  Never been in red, never been in orange, barely in yellow. It's only when I'm downtown.

• 40:20George Kamel?

  Oh, down, yeah.

• 40:21Rachel Cruze?

  Oh my gosh. Well, George, I think we all learn though, your motivation of posting anything financial is big. But I also don't think it's your responsibility for what people take as your motivation because you're not going to be able to explain everything away. You know what I mean?

• 40:36George Kamel?

  That's true. I mean, you have the greatest example of posting your pool. You weren't trying to flex.

• 40:41Rachel Cruze?

  Oh my gosh, can I tell you, speaking of photo dump, I did a photo dump last month. And I had a picture, I didn't even think about it in the pool, and I felt so known by y'all. In the comments, so many like, "Oh no, how dare you post in..."

• 40:55George Kamel?

  They were like joking about it.

• 40:57Rachel Cruze?

  And they're like, "Ha, ha, just kidding." Like, they like made sure that I knew.

• 41:00George Kamel?

  That's amazing, they knew they weren't actually upset.

• 41:01Rachel Cruze?

  And I said, "Oh my gosh, I feel so known, yeah."

• 41:02George Kamel?

  Wow.

• 41:03Rachel Cruze?

  And I said, "It's for Jonathan, to Jonathan."

• 41:06George Kamel?

  I will say, I love seeing pics of your pool, I think it's a great pool.

• 41:08Rachel Cruze?

  Thank you.

• 41:09George Kamel?

  I've got to like see it in person, and pictures don't even do it justice.

• 41:12Rachel Cruze?

  Here's a question, if it's a benign post, but it's a new, it's a house, or the car, right? Any of the scenarios we put in that we said cringe, uh, do you think it says more about us? Getting a reaction within ourselves about someone else's post?

• 41:25George Kamel?

  We're looking for affirmation.

• 41:27Rachel Cruze?

  No, no, no, other way, I'm saying, when you see someone's post, new house-

• 41:31George Kamel?

  And you have a reaction.

• 41:32Rachel Cruze?

  And you have a reaction, I think it says more about you than them.

• 41:35George Kamel?

  Yeah, 100%. Well, number one, you can control-

• 41:37Rachel Cruze?

  And me, I didn't mean the point at you.

• 41:39George Kamel?

  Who you follow, what you see, like, your algorithm learns, here's what you're into.

• 41:42Rachel Cruze?

  That's right, that's right, yes.

• 41:43George Kamel?

  It doesn't serve you up stuff to make you angry, you sat with that rage bait. And Facebook went, "I guess they want more of this." Spent a lot of time in the comment section, seeing what people were saying.

• 41:53Rachel Cruze?

  Yep, mhm.

• 41:54George Kamel?

  I do think you, you control way more than you think when it comes to what you-

• 41:57Rachel Cruze?

  Yep, and then also the discernment of what we put out to the world.

• 42:01George Kamel?

  And I do think being authentic online, and doing it in a way that's encouraging others, this all comes down to self-awareness. How self-aware are you when you're posting? What's the motive?

• 42:10Rachel Cruze?

  And what are you wanting out of it?

• 42:12George Kamel?

  Yeah.

• 42:12Rachel Cruze?

  All of it, yep, I agree.

• 42:14George Kamel?

  Which is a lot of effort to then think about the caption and who it's gonna affect, so I don't want you to go overboard there.

• 42:18Rachel Cruze?

  No, we're right.

• 42:19George Kamel?

  But I think just thinking before you post-

• 42:21Rachel Cruze?

  It's a self-awareness.

• 42:22George Kamel?

  Since the internet is kind of forever, I think it's wise, there's a lot of wisdom there. And choose to unfollow people, like Jonathan unfollowing Rachel after she posted her pool.

• 42:30Rachel Cruze?

  I know, it's okay Jonathan, you can come back.

• 42:32George Kamel?

  I don't know if he unfollowed, we didn't get confirmation.

• 42:35Rachel Cruze?

  I did go look.

• 42:36George Kamel?

  You know what you should've done? Said, "Hey, I'm gonna go ahead and block you just because I don't wanna-"

• 42:38Rachel Cruze?

  Oh my gosh.

• 42:39George Kamel?

  "-cause you to stumble, Jonathan."

• 42:40Rachel Cruze?

  That'd be so aggressive, I don't want to cause you to stumble.

• 42:44George Kamel?

  Since pools are a big stumbling block for you.

• 42:46Rachel Cruze?

  Alright, well, before we get to our guilty as charged segment, uh, what about the drinks, George?

• 42:51George Kamel?

  This was the sweet Georgia peach smash.

• 42:53Rachel Cruze?

  I'm, uh, ahead of you.

• 42:55George Kamel?

  Yeah, you were much further ahead. I'm gonna give this an 8 out of 10.

• 43:00Rachel Cruze?

  I may go nine and a half.

• 43:01George Kamel?

  Whoa.

• 43:02Rachel Cruze?

  Mm hmm. I would order it. I liked it.

• 43:05George Kamel?

  Yeah.

• 43:06Rachel Cruze?

  And the peaches are only gonna get better and better throughout the summer.

• 43:10George Kamel?

  Oh, yeah, that's right. I think the ones in the drink right now, because there are fresh peaches.

• 43:13Rachel Cruze?

  I know.

• 43:14George Kamel?

  Are they fresh? Do we have confirmation? Not canned. The team really cares.

• 43:18Rachel Cruze?

  They do.

• 43:20George Kamel?

  Nothing wrong with canned peaches, but.

• 43:21Rachel Cruze?

  They're the best. I love it.

• 43:22George Kamel?

  A fresh one can't be beat. Alright, here's what's in it. Bourbon. I thought it was gin.

• 43:28Rachel Cruze?

  No, you what?

• 43:29George Kamel?

  Okay, before the, just to be clear, before we started this recording, I asked about the drink, and I heard it was a gin and peach drink. And I was like, oh, that sounds lovely. Gin and peach pair very well together. But so does bourbon and peach. This has bourbon, specifically Four Roses Bourbon in this one, lemon juice, simple syrup, seltzer water, and fresh peaches. $2.40 for this drink. If you want to try it at home, give it a shot. You got nothing to lose. You got a nine and a half over here. I think it was great.

• 43:54Rachel Cruze?

  It's really good.

• 43:55George Kamel?

  I was confused by the flavor, because the whole time I was like.

• 43:58Rachel Cruze?

  Oh, thinking gin.

• 43:59George Kamel?

  I'm looking for the gin. I'm looking for the gin.

• 44:01Rachel Cruze?

  Oh, no. Yeah.

• 44:03George Kamel?

  It's okay. It was like Finding Nemo, but with alcohol. And I couldn't. Could not find it.

• 44:09Rachel Cruze?

  Oh, my gosh.

• 44:09George Kamel?

  That was fun.

• 44:11Rachel Cruze?

  Alright, now it's time for Guilty as Charged. And this is where we ask each other our guilty as charged question every week. And if we're guilty, we take a sip. George, have you ever posted something that unintentionally triggered someone?

• 44:26George Kamel?

  Every day of my life. Go look at the comments section on anything I've ever posted.

• 44:32Rachel Cruze?

  Oh, George.

• 44:34George Kamel?

  There was one today, I think, actually, but I want to let you go.

• 44:37Rachel Cruze?

  Ladies first. I would say, yeah, and the unintentional, because sometimes we put out content that we know is like controversial or whatever, right? But we know people are gonna not be happy with.

• 44:48Rachel Cruze?

  But I did. I posted one. It was back in January. And it was a story, because one of my friends turned 40, and Nashville had a massive snowstorm. And then it turned into an ice storm. So it was snow, if y'all remember, for like a day and a half in Nashville, then turned ice. And that was like a two-week-long whole thing. Anyways, it was the morning of the snow, of the first snow. And it was her 40th. We had to cancel everything, but we were like, let's still go out to brunch. And I'm friends with people that like lived in the north Chicago and stuff. So they're used to driving in snow.

• 45:16George Kamel?

  They're not scared.

• 45:17Rachel Cruze?

  And so we went to brunch and we are having a good old time, George, because we're like the only ones in the restaurant because everyone's like in because of the storm and we are, yeah. You know, mimosas and I don't know, we're having a good old time celebrating with my friends. And I think I put a few pictures on stories of like we're cheersing or happy birthday, Ashley. You know what I mean? Whatever. And I got, I mean, I don't want to say a lot. Let's go.

• 45:43Rachel Cruze?

  Eight out of 50 comments, okay? Were like, who are you? You're so, the tone deaf thing apparently. You're so tone deaf. People are, you know, out here, you know, suffering, da, da, da. And I thought, oh, my gosh, because of the, the snowstorm in Nashville? People are so mad? And then I looked on the news later that night and something terrible had happened politically.

• 46:07George Kamel?

  Oh.

• 46:08Rachel Cruze?

  So in January.

• 46:10George Kamel?

  But you were aloof to that.

• 46:11Rachel Cruze?

  I had no idea. I had no idea. I was at brunch. I didn't know.

• 46:14George Kamel?

  Well, and even if you did, are you supposed to like stay home and mourn?

• 46:18Rachel Cruze?

  I know. I don't know. That's the hard thing. That's the hard thing with us. I know. Being in the world, I'm like, there's so many tragedies that are happening. I mean, when you look globally, it's constantly happening.

• 46:29George Kamel?

  I can't keep up.

• 46:30Rachel Cruze?

  So you know what I mean? So yeah, keeping up with what everyone is passionate about at that moment. It was very sad what happened. But again, I, I was like, okay, well, sorry, I went to brunch when this was happening in another state that I didn't even know about.

• 46:41George Kamel?

  I do think brunch is the most offensive, the most triggering.

• 46:46Rachel Cruze?

  Probably is. But we had to go early because it was gonna, we were gonna be snowed in. And by like four o'clock, it was like so much snow. Yeah. So I don't know.

• 46:54George Kamel?

  Wow.

• 46:55Rachel Cruze?

  I remember, because I remember feeling like, oh, gosh, what did I do? But then I was like, Rachel, pep talk to yourself.

• 47:00George Kamel?

  Yeah.

• 47:01Rachel Cruze?

  You were fine. You gotta live your life. You can't be keeping up with everything all the time.

• 47:05George Kamel?

  Be more like Rachel, guys. Go to brunch.

• 47:08Rachel Cruze?

  What about you?

• 47:11George Kamel?

  Yeah, this one was the freshest one. Because again, it happens every day. Just, seriously, go look at any of my posts.

• 47:18Rachel Cruze?

  But unintentionally, like, what did you post that you were like?

• 47:21George Kamel?

  So the team posted a clip from my man on the street in Nashville, where I tried to guess how much debt people had. Which was fun. It was a good time.

• 47:29Rachel Cruze?

  Okay.

• 47:29George Kamel?

  Really fun. I nailed one person's mortgage.

• 47:32Rachel Cruze?

  No way.

• 47:33George Kamel?

  $310,000.

• 47:34Rachel Cruze?

  No way.

• 47:34George Kamel?

  And they were like, "Yeah." And I was like, "What do you mean, 'yeah'?" Like, that's exactly it.

• 47:38Rachel Cruze?

  Shut up, that's funny.

• 47:39George Kamel?

  It was amazing.

• 47:39Rachel Cruze?

  Look at you.

• 47:40George Kamel?

  Anyways, so one of these guys, him and a buddy, said, "Hey, I want to flip this. I want to guess how much debt you have. I want to do the interview."

• 47:48Rachel Cruze?

  Ooh.

• 47:48George Kamel?

  And so I said, "Okay, this is fun." We were kind of like, "Let's see where this goes." I gave him the microphone, the team's still filming, and he like, did a little interview with me.

• 47:55Rachel Cruze?

  Yeah.

• 47:56George Kamel?

  And he's asking, "Hey, what kind of car do you drive? Is it paid off?" And so I'm just answering honestly. And the team posted this, and these people are so angry in the comments, thinking, they're like, "This is so staged. He's just out here trying to flex because he has a paid off car and he doesn't have any..." And I was like, "Number one, this is not staged." You know how people do those kind of interviews? They're like, "This feels like something..."

• 48:19Rachel Cruze?

  Yeah, yeah, yeah, yeah. We're like, "Excuse me, sir, excuse me, sir." And you're like, "I think you..."

• 48:22George Kamel?

  You know me, I don't want to be asked these questions. I do the asking.

• 48:25Rachel Cruze?

  Yeah.

• 48:25George Kamel?

  That's why I have this job.

• 48:26Rachel Cruze?

  That's right, George. That's why you sit in that seat.

• 48:28George Kamel?

  I would never say yes to a stranger in the street.

• 48:30Rachel Cruze?

  Yeah, right.

• 48:30George Kamel?

  Asking me to be on camera. So anyways, I upset a few people who thought this was staged, because what other...

• 48:36Rachel Cruze?

  Is the post still up? I'm gonna go find it.

• 48:37George Kamel?

  It's still up.

• 48:38Rachel Cruze?

  Okay. But man.

• 48:40George Kamel?

  I thought it was fun.

• 48:40Rachel Cruze?

  You made him all mad.

• 48:41George Kamel?

  And also, I was uncomfortable. I did not like being on the other side. And like, my body language, like, I was kind of like, arms crossed, like, a little bit nervous.

• 48:50Rachel Cruze?

  Oh, so now you see how it feels.

• 48:52George Kamel?

  Yeah.

• 48:52Rachel Cruze?

  A little taste of your own medicine, George.

• 48:54George Kamel?

  Did not like it.

• 48:55Rachel Cruze?

  Did not like it. Oh my gosh, that's good.

• 48:57George Kamel?

  That's part of our jobs, though.

• 48:58Rachel Cruze?

  It's a good one, though.

• 48:59George Kamel?

  Is like, things are out of context, things are clipped. You don't know how it's gonna hit someone based on where they're at and what the mood they're in.

• 49:03Rachel Cruze?

  And if you choose to share your life to a degree, which I probably share more of my personal life than you do.

• 49:07George Kamel?

  Yeah.

• 49:08Rachel Cruze?

  Yeah, you're just, you are putting yourself out there.

• 49:10George Kamel?

  Your personal life is fun to watch.

• 49:12Rachel Cruze?

  Oh.

• 49:13George Kamel?

  I'll say that.

• 49:13Rachel Cruze?

  Well, thank you, George.

• 49:14George Kamel?

  Nobody wants to see me handling my dogs. You know? Got him back in his diaper. You know? Again, and then kids-

• 49:24Rachel Cruze?

  Those dogs are still around.

• 49:25George Kamel?

  They're young enough that I'm like, I don't know if I can post them.

• 49:28Rachel Cruze?

  Yeah, yeah, yeah, yeah.

• 49:29George Kamel?

  I don't mind, they're so cute. I have thousands of photos. People want to see them.

• 49:33Rachel Cruze?

  Yep.

• 49:34George Kamel?

  But I don't, I don't know what the future holds.

• 49:36Rachel Cruze?

  I think that's fair. I think having certain boundaries, if you feel that, that's good. Well, if you have a guilty charge question for us, make sure to DM us at Rachel Cruz and at George Kamel, and make sure to check out our next episode, if you loved this one, which is "Out with the New, In with the Old: Money and Lifestyle Trends." We will link it for you, and make sure to subscribe so you don't miss an all-new episode of Smart Money Happy Hour.