Did These High-Dollar Lawsuits Pay Off?

📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out. Justin Baldoni and Blake Lively, McDonald’s hot coffee, Gwyneth Paltrow on the slopes—we’re breaking down the most infamous (and expensive) lawsuits in pop culture history. After running the numbers, were they really worth the cost? Tune in to find out! Next Steps: 🛡️ Find financial services you can count on with RamseyTrusted® 🎥 Watch our video Money Motives Hidden in Shocking True Crime Stories. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 The simplest way to budget. Download the EveryDollar app for free! Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Paloma Mocktail Recipe: The Wooden Skillet 1 grapefruit, juiced 1/2 blood orange, juiced 1 tablespoon fresh lime juice 1/4 cup club soda 2 sprigs fresh thyme Kosher salt Instructions: Use the grapefruit or blood orange to rub the rim of the glass. Pour kosher salt on a plate and turn the glass upside down to turn the glass rim in the salt. Add grapefruit juice, orange juice, lime juice, and club soda to a lowball glass. Add as much ice as desired. Garnish with fresh thyme and/or grapefruit slice. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:05George Kamel?

  We cannot stress enough that we are not actual lawyers. We are not attempting to give official legal advice in any way, shape, or form, but sue us for wanting to talk about lucrative lawsuits anyway.

• 0:15Rachel Cruze?

  They should not be taken advantage of. Do not, no, don't you be suing me.

• 0:18George Kamel?

  I think America is land of the free and sometimes that means we are free to sue whoever we want for whatever we want. I never fell for it, but the fact that people did is just so funny to me. And that includes your brother.

• 0:36Rachel Cruze?

  Hey guys, I'm Rachel Cruz.

• 0:38George Kamel?

  I'm George Kamel.

• 0:40Rachel Cruze?

  And this is Smart Money Happy Hour.

• 0:48Rachel Cruze?

  Well, this is a 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.

• 0:54George Kamel?

  But first, let's talk about what we're sipping on. It is a citrus paloma mocktail. Paloma meaning grapefruit. Did you know that?

• 1:01Rachel Cruze?

  Delicious. I did not.

• 1:03George Kamel?

  Fun fact.

• 1:03Rachel Cruze?

  Yeah, that is good. I've heard of it.

• 1:06George Kamel?

  I just made that up, I think.

• 1:07Rachel Cruze?

  Paloma, isn't that what?

• 1:09George Kamel?

  But a paloma is a grapefruit-based cocktail.

• 1:12Rachel Cruze?

  Pookie and Jets named their daughter.

• 1:15George Kamel?

  I love that that was your first connection point.

• 1:18Rachel Cruze?

  Paloma, but is it called, is it grapefruit? Is that really like the name of it?

• 1:21George Kamel?

  Yeah, I believe so.

• 1:22Rachel Cruze?

  Interesting.

• 1:23George Kamel?

  They named their kid Grapefruit. Okay. Who am I to judge? We're gonna give you our rating and reveal the cost per glass at the end of the episode, so stick around for that.

• 1:33Rachel Cruze?

  Oh man, are we about to like get in it? Do you know I love Judge Judy?

• 1:36George Kamel?

  Really?

• 1:37Rachel Cruze?

  It is one of my favorite, I, oh, I shouldn't say it's like one of my favorites to watch, but especially if you're on an airplane and I'm traveling and you can go on Southwest and do the live TV.

• 1:45George Kamel?

  Southwest has Judge Judy seasons?

• 1:47Rachel Cruze?

  I know, it's just like it always happens to be live.

• 1:50George Kamel?

  It's always on TV.

• 1:51Rachel Cruze?

  Yes, and I will watch and shoot you on an airplane and be so happy.

• 1:55George Kamel?

  It is entertaining.

• 1:56Rachel Cruze?

  She's funny.

• 1:56George Kamel?

  Yeah, she's sassy.

• 1:58Rachel Cruze?

  I hope we're sassy and funny on today's episode, because we're talking lawsuits.

• 2:01George Kamel?

  We'll see. Even though our God-given names are neither Judge nor Judy, we aren't totally lacking in this area, because I have been sued. Famously for a car accident from 2014.

• 2:13Rachel Cruze?

  That's right.

• 2:13George Kamel?

  That took three years to resolve.

• 2:14Rachel Cruze?

  Which is pretty wild.

• 2:16George Kamel?

  I know the stress of getting sued. We live in a very litigious society.

• 2:20Rachel Cruze?

  We do. You gotta be careful.

• 2:21George Kamel?

  You really do.

• 2:22Rachel Cruze?

  Golly.

• 2:23George Kamel?

  And anyway, here's what's crazy. Anyone can sue you for anything in America.

• 2:27Rachel Cruze?

  Isn't that wild?

• 2:28George Kamel?

  An intruder could slip and fall on your front porch and sue you.

• 2:32Rachel Cruze?

  I've heard that. I have heard those cases. Yes, insane, absolutely insane.

• 2:37George Kamel?

  So today we're focusing on, I guess, lucrative lawsuits, meaning probably celebrities, public figures.

• 2:44Rachel Cruze?

  Came up big, big money, big money. I think the number one lawsuit right now in pop culture that we're all watching.

• 2:51George Kamel?

  Oh, my goodness.

• 2:52Rachel Cruze?

  Still waiting on. It's gone, it's kind of gone silent and then you'll get some news and it goes silent news. Justin Baldoni and Blake Lively. Man.

• 2:59George Kamel?

  What a juicy one.

• 3:00Rachel Cruze?

  Yeah, and I loved that book. I liked the movie. It's a very sad subject, but like it was all going so great and then it went so south. Those two, you know, not good. Could you imagine acting with someone? Cause I think some of their drama was happening like during it.

• 3:17George Kamel?

  Oh, yeah, I saw a clip of like a behind the scenes of like what was actually he was saying on the microphone.

• 3:22Rachel Cruze?

  Oh, that's because she accused him, yes.

• 3:23George Kamel?

  Cause she accused him and so he had the behind the scenes clip. I'm like, where did he source this?

• 3:27Rachel Cruze?

  I know. Well, yeah, so he, yeah.

• 3:28George Kamel?

  He had the receipts.

• 3:30Rachel Cruze?

  He had some receipts, but I can't remember if their conflict was during filming or not. I can't remember.

• 3:35George Kamel?

  I don't even know what it's about anymore.

• 3:37Rachel Cruze?

  The, it's her suing him for sexual harassment. And that's what's so tough is I'm like, especially those kind of cases, like stats show that if a woman brings that forward, it's like, what was the exact stat? It was like 92 to 98%. It is truthful on her end because it takes so much energy and time to bring it up. And they, they claim around two to eight percent, they could be lying or exaggerating or whatever, but over majority, I mean 90 something percent of the time, a woman claims that it really did happen. But then you get these cases like this one, which is, again, we're getting details all the time, all the time. Things are happening all the time. We'll say that. But I don't know, it's not, the court of public opinion on this one is Team Justin.

• 4:21George Kamel?

  Yeah, I mean, that's, from what I know, I'm Team Justin.

• 4:25Rachel Cruze?

  I know.

• 4:26George Kamel?

  I could be swayed.

• 4:27Rachel Cruze?

  It's crazy.

• 4:28George Kamel?

  But I'm also Team Ryan Reynolds. So now I'm like, how do I feel about Ryan, knowing that he's complicit in this?

• 4:33Rachel Cruze?

  I know, and I think he's kind of part of the deets.

• 4:35George Kamel?

  And they're going on late night shows, acting like nothing's happening.

• 4:37Rachel Cruze?

  I know.

• 4:37George Kamel?

  Life is normal, which is extra wild.

• 4:39Rachel Cruze?

  Crazy, and here we all are, who know nothing, don't know their personal life.

• 4:42George Kamel?

  Doesn't affect my life, but I'm invested.

• 4:44Rachel Cruze?

  We're scrolling and watching, we are, I am invested.

• 4:46George Kamel?

  Is she on your prayer list, or no?

• 4:49Rachel Cruze?

  No, but Justin Bieber's back on.

• 4:51George Kamel?

  Oh, yeah.

• 4:52Rachel Cruze?

  I'm really worried about Justin.

• 4:53George Kamel?

  I saw some clips recently.

• 4:54Rachel Cruze?

  You know, Lindsay Lohan's doing great, though. I'm still cheering her on, she's flying high.

• 4:58George Kamel?

  You can still take credit for her...

• 4:59Rachel Cruze?

  She really is, she's doing great. But yeah, Justin, I know, yeah, I just, I don't know, I just want the best for him, you know?

• 5:07George Kamel?

  Yeah, keep him on there.

• 5:07Rachel Cruze?

  Blake...

• 5:08George Kamel?

  Don't take him off.

• 5:09Rachel Cruze?

  Blake is not on mine. Taylor Swift is, she kind of got dragged into this, too. We need to get her name cleared.

• 5:14George Kamel?

  Oh, wow, I didn't know that.

• 5:15Rachel Cruze?

  Yeah, they're gonna subpoena her. I know, I'm telling you, it's...

• 5:18George Kamel?

  You know how busy she is? She doesn't have time for this.

• 5:21Rachel Cruze?

  I think that's what she said to Blake, basically, and Blake, I think, supposedly, kind of blackmailed her. So that one is playing out, and hopefully, maybe in the comments, something's changed if you're watching this episode, so if you have any new deets, leave them there. But, you know, it's not just the rich and famous in Hollywood. Again, the US, very litigious place, these days.

• 5:40George Kamel?

  These stats are crazy. More than 100 million lawsuits are filed in state courts each year.

• 5:44Rachel Cruze?

  100 million?

• 5:45George Kamel?

  There's only 365 days between 100 million law... The courts just must, I mean...

• 5:52Rachel Cruze?

  I mean, constant, can you believe it?

• 5:53George Kamel?

  This is crazy.

• 5:54Rachel Cruze?

  And an additional 400,000 lawsuits are filed in federal court.

• 5:57George Kamel?

  And those stats are just for the civil cases, not the criminal cases.

• 6:00Rachel Cruze?

  Yeah, that comes out to one lawsuit for every three American citizens.

• 6:06George Kamel?

  That means you're next. Based on the stats, I already took, I took the hit.

• 6:10Rachel Cruze?

  You took the hit, I'm next, I know.

• 6:12George Kamel?

  I hope, I hope you never get sued.

• 6:13Rachel Cruze?

  Thank you.

• 6:14George Kamel?

  I would, you know what, if you want to subpoena me in a court of law, I'd show up for you.

• 6:19George Kamel?

  I didn't say I'd be on your side, I would...

• 6:21Rachel Cruze?

  Oh, my gosh.

• 6:21George Kamel?

  But I would show up.

• 6:25George Kamel?

  Do I have to? Yeah, I think if you're subpoenaed, you have to.

• 6:26Rachel Cruze?

  Would you lie to any, for anyone?

• 6:29George Kamel?

  Uh, in a court of law?

• 6:32George Kamel?

  I don't know.

• 6:33Rachel Cruze?

  If Whitney killed someone, would you help her bury the body? Or would you turn her in?

• 6:35George Kamel?

  Oh, that's a good question. I've never thought, you know, it depends on the, the context.

• 6:41Rachel Cruze?

  Okay.

• 6:42George Kamel?

  The context of said killing.

• 6:44Rachel Cruze?

  Okay.

• 6:44George Kamel?

  Like, if it was cold-blooded murder, I think I'd probably need to be out of that relationship because I'm probably next. And if she was gonna kill someone, I feel like I'd be first. You know what I mean?

• 6:53Rachel Cruze?

  Oh, yeah.

• 6:54George Kamel?

  So like, I'd be more worried about me versus... But I don't know. I mean, I think context matters. It's easy to say I would never do any, but like, we don't know.

• 7:02Rachel Cruze?

  I know, that's what I'm saying. I think Winston would help me.

• 7:06George Kamel?

  Winston would for sure help you.

• 7:08Rachel Cruze?

  I might help Winston. 70% chance I will.

• 7:11George Kamel?

  I'm gonna be honest, I don't know that you'd be helpful. Like, I think you'd make it worse. You'd be like, "Let me, um, go on Instagram Live just to make sure..."

• 7:20Rachel Cruze?

  I would have nervous energy, for sure.

• 7:23George Kamel?

  Yeah, you would make a bigger scene.

• 7:25Rachel Cruze?

  Yes.

• 7:25George Kamel?

  People would be flocking to the scene.

• 7:26Rachel Cruze?

  Yeah, I would, I would struggle. I would be, uh, I'd be a terrible, like, interrogator. Or no, if someone was interrogating me, I would, I would just keep talking to George.

• 7:37George Kamel?

  I don't think we should murder. I think that's the, the lesson we're learning here. We're not good at it.

• 7:41Rachel Cruze?

  So don't sue us for murder, because it ain't happening.

• 7:44George Kamel?

  Don't come after me.

• 7:45Rachel Cruze?

  We've not murdered anyone.

• 7:47George Kamel?

  Plus, the chances of me even being able to do that, slim to none. I can't hurt a fly.

• 7:52Rachel Cruze?

  I know.

• 7:53George Kamel?

  But I do kill spiders regardless of how good they are for the house.

• 7:57Rachel Cruze?

  Yeah, for sure.

• 7:57George Kamel?

  I don't trust you.

• 7:58Rachel Cruze?

  Get them out of here.

• 7:59George Kamel?

  Good trust issues.

• 8:00Rachel Cruze?

  Okay, so there's some jargon when it comes to lawsuits. You wanna give us a little dictionary lesson, George? On the difference between civil and, uh, class action?

• 8:08George Kamel?

  Law School 101. Civil case is a dispute between individuals, businesses, or government entities seeking monetary compensation. Civil cases focus on private rights and wrongs like breaches of contract, personal injury, or property disputes. So this is more of a, like, kind of a, you know, more of a one-to-one versus class action, which is the other type. This is a type of civil case where one of the injured parties pulls a little cat in a Severdin and volunteers as tribute to represent a larger group in a lawsuit.

• 8:36Rachel Cruze?

  Okay, give me, like, more of a definition.

• 8:37George Kamel?

  So, class action thing, it's a, it's a giant class. So we're all gonna go after this company because they wronged a whole bunch of people.

• 8:43Rachel Cruze?

  Oh, yes, yes.

• 8:44George Kamel?

  But I'm gonna lead the charge and go forward. I've actually made money from these before. You ever get emails or letters in the mail for class action lawsuits?

• 8:51Rachel Cruze?

  No.

• 8:52George Kamel?

  Yeah. You can join and they'll cut you a check for whatever the total amount is.

• 8:55Rachel Cruze?

  What did you, which ones have you joined?

• 8:58George Kamel?

  I don't know. It's like, hey, Apple had a setting on their phone. If you turned it on, you're eligible. Do you want to sign up? And I'm like, okay.

• 9:05Rachel Cruze?

  Wait, what?

• 9:06George Kamel?

  Yes.

• 9:07Rachel Cruze?

  Really? I guess I just don't read the mail.

• 9:10George Kamel?

  Or email. We don't check email either.

• 9:13Rachel Cruze?

  How do you know it's not a scam?

• 9:14George Kamel?

  Uh, I do my research. I make sure it's a legitimate class action lawsuit.

• 9:17Rachel Cruze?

  And do you sign up even if you've not turned on that setting?

• 9:20George Kamel?

  Um, usually if they're sending you this, it's because they know that you were a part of this. Or likely a part of it.

• 9:26Rachel Cruze?

  I literally have never gotten that.

• 9:27George Kamel?

  The most I've got, it's like, you know, $15. Most, most of the time, these class action lawsuits, they take years to settle. And by the time you have fourth million people involved, the payout is very small.

• 9:37Rachel Cruze?

  Yeah, it sounds like it. Man.

• 9:39George Kamel?

  There you go. Yeah, it's just more efficient than everyone filing their own individual lawsuits. That's the point of a class action. So some view it as a get rich quick scheme, but that takes a lot of effort. It, again, it pays very little, takes a long time to have any resolution.

• 9:52Rachel Cruze?

  Okay.

• 9:52George Kamel?

  And if you opt in, you waive your right to sue as an individual, which may have offered a higher payout.

• 9:57Rachel Cruze?

  Gotcha. You're done.

• 9:58George Kamel?

  Cause I sign up for the class action.

• 9:59Rachel Cruze?

  It's kind of like a Double Jeopardy kind of thing.

• 10:02George Kamel?

  Good analogy.

• 10:03Rachel Cruze?

  Thank you. Great movie too. Ashley Judd. Fantastic movie.

• 10:08George Kamel?

  The, what is going on in your brain? Like whatever is in there, the Rolodex is such a unique vault.

• 10:14Rachel Cruze?

  I love murder. I love murder movies and shows and books. You know this about me.

• 10:19George Kamel?

  Yeah.

• 10:19Rachel Cruze?

  Yeah.

• 10:20George Kamel?

  True crime.

• 10:21Rachel Cruze?

  Love it.

• 10:21George Kamel?

  You live for it. You love a Dateline.

• 10:23Rachel Cruze?

  Have you seen Double Jeopardy though with Ashley Judd?

• 10:25George Kamel?

  No.

• 10:25Rachel Cruze?

  And Tommy Lee Jones?

• 10:26George Kamel?

  No.

• 10:27Rachel Cruze?

  Y'all, it is a great.

• 10:28George Kamel?

  It was before my time. You're only a year older than me.

• 10:31Rachel Cruze?

  It was like 90s, late 90s, probably 98.

• 10:34George Kamel?

  Okay. I was too busy watching Veggie Tales and Left Behind. I don't think we were allowed to watch filth like that.

• 10:39Rachel Cruze?

  Dude, Left Behind scarred me.

• 10:41George Kamel?

  Yeah, me too.

• 10:42Rachel Cruze?

  Scarred me.

• 10:43George Kamel?

  And I just watched Prince of Egypt again going, oh, what a great kids movie.

• 10:46Rachel Cruze?

  I know.

• 10:47George Kamel?

  Dark tale that was.

• 10:50George Kamel?

  Oh, great. Pools of blood and

• 10:52Rachel Cruze?

  That Exodus stuff.

• 10:52George Kamel?

  Kids dying for no reason. Thanks, DreamWorks. Like, no wonder I am the way I am.

• 10:59Rachel Cruze?

  Best soundtrack, though.

• 11:00George Kamel?

  Great soundtrack. Whitney and Mariah in the same room?

• 11:03Rachel Cruze?

  Oh my gosh. If I could sing that, it would be my karaoke song. Could you?

• 11:12Rachel Cruze?

  It's so good. It is so good. It kind of gets me chills.

• 11:16George Kamel?

  That's a good one. How did we get there in such a short amount of time?

• 11:19Rachel Cruze?

  I don't know. Okay, let's go back. Okay, let's go.

• 11:21George Kamel?

  Lucrative lawsuits. Let's talk about it.

• 11:23Rachel Cruze?

  Paige and Elwood. Okay, let's do a little quiz. Back to our lawsuits.

• 11:26George Kamel?

  I'll go first.

• 11:27Rachel Cruze?

  Okay.

• 11:27George Kamel?

  This is for you. Which of these lawsuits resulted in the largest cash settlement in US history? Play along at home. Was it A, the 2016 BP Gulf of Mexico oil spill settlement? B, the 1998 Tobacco Master settlement? C, the 2022 CVS and Walgreens opioid crisis settlement? Or D, the 2022 Navient forbearance settlement? Which, they were accused of pushing customers into forbearance instead of income-based repayment plans, which benefits Navient because of interest.

• 11:56Rachel Cruze?

  What was the second one?

• 11:57George Kamel?

  Tobacco. Tobacco Master settlement.

• 11:58Rachel Cruze?

  I mean, like, yes. Oil and tobacco. Big industries, big money. I'm going, I'm going, I'm going. Tobacco.

• 12:07George Kamel?

  You'd be correct.

• 12:10George Kamel?

  Congratulations.

• 12:10Rachel Cruze?

  Wow.

• 12:12George Kamel?

  $206 billion.

• 12:14Rachel Cruze?

  Good night. Is it because they didn't label their cigarettes?

• 12:18George Kamel?

  The four biggest tobacco companies in the US versus 46 states. Tobacco companies agreed to stop sketchy marketing practices as well as pay in perpetuity annual payments to the states to compensate them for some of the medical costs of caring for smoking-related illnesses.

• 12:33Rachel Cruze?

  Wow.

• 12:33George Kamel?

  That's pretty wild.

• 12:34Rachel Cruze?

  Dang.

• 12:35George Kamel?

  The BP oil spill, $20 billion compared to that 206.

• 12:39Rachel Cruze?

  Do you remember when there used to be smoking parts of restaurants? You'd go in, they'd say smoking or non-smoking. Isn't that weird to, like, think about that?

• 12:47George Kamel?

  Yeah.

• 12:48Rachel Cruze?

  My gosh.

• 12:48George Kamel?

  It's not like you were that far away. You could still smell it.

• 12:51Rachel Cruze?

  Yes.

• 12:52George Kamel?

  There wasn't, like, walls.

• 12:53Rachel Cruze?

  No. Isn't that funny?

• 12:54George Kamel?

  It was just like, three tables over, you can smoke there.

• 12:57Rachel Cruze?

  Yes. People aren't smoking as much anymore, but they do have the pouches. But that's nicotine. That's different.

• 13:02George Kamel?

  And the vapes are big.

• 13:03Rachel Cruze?

  Oh, that's right. That's right.

• 13:05George Kamel?

  Everything aired. Have you been to, like, in a city and it just smells like vape?

• 13:08Rachel Cruze?

  Yes.

• 13:09George Kamel?

  Just gross. Like a chemical smoke smell?

• 13:11Rachel Cruze?

  Yeah, you can just...

• 13:13George Kamel?

  In concerts. I can't go to shows anymore. Everyone's got their little vape sticks out and it just makes the whole room smell.

• 13:19Rachel Cruze?

  Oh, it's just gross.

• 13:20George Kamel?

  Don't like it.

• 13:21Rachel Cruze?

  Not fun. Okay, ready for your question?

• 13:23George Kamel?

  Okay.

• 13:24Rachel Cruze?

  A Florida woman accused a food brand of misleading advertising when they stated that it could be microwavable in three and a half minutes. Which product was in question? Lean Cuisine? Popcorn? Kraft Macaroni and Cheese? Or hot chocolate?

• 13:41George Kamel?

  Kraft. Final answer.

• 13:44Rachel Cruze?

  Yes, you are correct.

• 13:46George Kamel?

  I feel like I knew the answer before you did.

• 13:48Rachel Cruze?

  How'd you know? I couldn't find the answer on my sheet. Yes, um, the woman's name is Amanda and says that that's only the amount of time each cup should be microwaved. There's prep required beyond the microwavable time.

• 14:03George Kamel?

  That's what it was.

• 14:04Rachel Cruze?

  You have to stir it in the water and all of it. Isn't that interesting?

• 14:06George Kamel?

  God bless, because usually a Florida woman headline does not end well.

• 14:11Rachel Cruze?

  Yeah.

• 14:11George Kamel?

  You know what I mean? A Florida woman accu-

• 14:14Rachel Cruze?

  Yeah, have you seen the Florida Man? Isn't that a thing?

• 14:16George Kamel?

  Yeah, Florida Man. You can search your birthday and Florida Man.

• 14:19Rachel Cruze?

  Yes.

• 14:20George Kamel?

  And it's always hilarious, no matter what it is. Something wild happened in Florida.

• 14:24Rachel Cruze?

  We love you, Florida. We love you.

• 14:26George Kamel?

  That's wild that she actually won.

• 14:28Rachel Cruze?

  Yes, she did.

• 14:29George Kamel?

  But honestly, good for her.

• 14:30Rachel Cruze?

  Do you remember the 94 McDonald's? This was like an infamous one.

• 14:33George Kamel?

  Oh, the hot coffee.

• 14:34Rachel Cruze?

  The hot coffee, that was like a big deal. Okay, so at the time McDonald's handbook required franchises to hold their coffee at 180 to 190 degrees Fahrenheit. And this passenger was parked in a parking lot when she opened the cup to add her cream and her sugar. She suffered third degree burns that required skin grafts.

• 14:53George Kamel?

  Oh.

• 14:54Rachel Cruze?

  Ah. And what's crazy is McDonald's had received more than 700 previous reports of injury from its coffee before this case, which is wild. And they had paid out settlements in some of the cases.

• 15:05George Kamel?

  Wow. Not their first rodeo.

• 15:07Rachel Cruze?

  This case is an example of a frivolous lawsuit. But would you consider it frivolous and unnecessary?

• 15:13George Kamel?

  Oh, man.

• 15:13Rachel Cruze?

  Not if she had that. That's legit injuries.

• 15:16George Kamel?

  I mean, if I have to get skin grafts, I don't think that's me being a whiner. You know what I mean?

• 15:20Rachel Cruze?

  That's pretty bad.

• 15:21George Kamel?

  There's some things that are like user error, you know? Like if I have a knife and I cut my finger with a knife, I don't sue the knife company for having a knife that's too sharp.

• 15:30Rachel Cruze?

  Right, right.

• 15:31George Kamel?

  I feel like this falls into that same category. You know, and also when I open coffee in the car, I always do it away from me.

• 15:39Rachel Cruze?

  Yeah.

• 15:39George Kamel?

  That's just me.

• 15:40Rachel Cruze?

  What if she didn't have room in the car? What if she was driving a small little Fiat?

• 15:45George Kamel?

  That's always just giving them the benefit of the doubt, aren't you?

• 15:48Rachel Cruze?

  Yeah, but that's like, but she had serious injuries.

• 15:52George Kamel?

  I don't know. I just, I still feel weird about this one.

• 15:55Rachel Cruze?

  Okay.

• 15:56George Kamel?

  Feel iffy.

• 15:56Rachel Cruze?

  That's fine.

• 15:57George Kamel?

  It does feel frivolous and unnecessary.

• 16:00Rachel Cruze?

  Okay.

• 16:01George Kamel?

  What about the other 700 people?

• 16:02Rachel Cruze?

  Yeah, I know. What happened to them?

• 16:04George Kamel?

  Did any of them get skin grafts? I would have went class action with this thing.

• 16:07Rachel Cruze?

  That makes me kind of cringe. Makes my stomach turn.

• 16:08George Kamel?

  Well, that's when you take skin from one part and move it to another, right?

• 16:11Rachel Cruze?

  George!

• 16:11George Kamel?

  But then what about that skin?

• 16:13Rachel Cruze?

  It makes my stomach turn. I don't like it.

• 16:14George Kamel?

  Real question. Don't you now have no skin in the other area?

• 16:17Rachel Cruze?

  I can't. I can't. Don't. I'm gonna pass out. Don't. I don't like it. I don't like it. I don't like it.

• 16:23George Kamel?

  Where would you take skin from?

• 16:25Rachel Cruze?

  Stop. Stop.

• 16:27George Kamel?

  If you had to choose.

• 16:27Rachel Cruze?

  Oh, my gosh. Oh, do you know what else I want to stop?

• 16:31George Kamel?

  What's that?

• 16:32Rachel Cruze?

  Is my information being online? And Delete Me

• 16:35George Kamel?

  It's a big ask.

• 16:35Rachel Cruze?

  Removes your information. Because if you didn't know, your information is like a billboard out on the internet. I mean, it's your name, your email address, your kids' names. I mean, there's so much out there. And you are at risk of scams and spam and phishing and harassment and all of this. Because guess what? Companies out there, their whole job is to collect data and then sell it to other companies. And these data broker websites just collect data. They're making money off of you. And then your phone number and email address gets spread everywhere and you get all this stuff. And we don't want that. So Delete Me goes in and removes your information from these data broker websites. And we love them for it.

• 17:15George Kamel?

  Yeah, and there was a, recently I just saw an article. It was one of the largest breaches ever on these broker sites. Meaning your info just got leaked to even more people. And so you gotta stay protected and it's easier than ever with Delete Me. And they'll send you a report showing you what they've done, how much time they've saved you. And it really does give me peace of mind. And they've removed me from over 240 data broker listings so far.

• 17:35Rachel Cruze?

  It's amazing.

• 17:36George Kamel?

  And saved me 94 hours. So well worth it. And we've got a great discount for our Smart Money Happy Hour fans. When you go to joindelete.me/smartmoney or just click the link in the description and show notes.

• 17:47Rachel Cruze?

  Love it.

• 17:48George Kamel?

  All right. Next question for you, Rachel. Here's your quiz. Which musician has had to defend at least three of their original songs because they were potentially ripping off other classics? No, he's not even on the list.

• 17:59Rachel Cruze?

  Oh.

• 17:59George Kamel?

  It's A. Ed Sheeran, B. Taylor Swift, C. Morgan Wallen, or D. Lady Gaga?

• 18:06Rachel Cruze?

  Yeah, Michael Jackson's on that list. Ed Sheeran.

• 18:09George Kamel?

  You knew.

• 18:10Rachel Cruze?

  I did.

• 18:10George Kamel?

  Correct. He threatened to quit music over this. If the latest copyright infringement trial didn't rule in his favor.

• 18:17Rachel Cruze?

  So, okay, and then what was the, there was a, was it Marvin Gaye?

• 18:21George Kamel?

  Yes.

• 18:23Rachel Cruze?

  What was his name?

• 18:24George Kamel?

  Oh, Robin Thicke.

• 18:25Rachel Cruze?

  Robin Thicke, yes.

• 18:26George Kamel?

  Yep. So he's now had to defend thinking out loud, photograph, and shape of you.

• 18:30Rachel Cruze?

  Wait, who, Robin Thicke? Or we're back to Ed Sheeran?

• 18:33George Kamel?

  Ed Sheeran.

• 18:33Rachel Cruze?

  Can we stay on Robert for a second?

• 18:35George Kamel?

  Robin?

• 18:36Rachel Cruze?

  Robin.

• 18:37George Kamel?

  Robert? You keep changing his name.

• 18:39Rachel Cruze?

  Robert Kardashian's in my head. He was in the law too, you know? Yeah, no.

• 18:46Rachel Cruze?

  Robin.

• 18:46George Kamel?

  Okay, where do you want to go with Robin Thicke?

• 18:48Rachel Cruze?

  Well, because Marvin Gaye's family sued him, I think. For the song sounding alike.

• 18:55George Kamel?

  Yep.

• 18:56Rachel Cruze?

  Okay, so how do you do that, George, though, as a musician?

• 19:00Rachel Cruze?

  Isn't there a point that like, there's just like the notes?

• 19:02George Kamel?

  Chords are chords?

• 19:03Rachel Cruze?

  I don't know what that means.

• 19:04George Kamel?

  Yeah.

• 19:05Rachel Cruze?

  But just like, there's only so many ways you can strum a guitar and put your fingers in different places. Like, what do you, like?

• 19:12George Kamel?

  What's great is Ed Sheeran, I think, in court, brought the guitar and he played the same chords and sang like, seven different songs over the same chords to prove that all songs can sound the same.

• 19:23Rachel Cruze?

  Well, isn't that bad for him?

• 19:24George Kamel?

  No, he was proving that there's so many songs out there that are similar.

• 19:28Rachel Cruze?

  Someone was suing him?

• 19:30George Kamel?

  Yes. So he shows up to court with his little guitar and he's like, "Listen, I'll prove, like, let me show you how many songs you can play over the same exact melodies and chords."

• 19:38Rachel Cruze?

  Yep.

• 19:39George Kamel?

  And so it was a great flex on his part. Yeah, it is tough. I mean, it take, you know, you gotta show up in court and then some judge has to be like, "Mmm, it's different enough."

• 19:48Rachel Cruze?

  How horrible if I was the judge of a music lawsuit?

• 19:52George Kamel?

  Rachel would not have a clue.

• 19:54Rachel Cruze?

  I'd be like,

• 19:57Rachel Cruze?

  "Sounds different to me. I don't know."

• 20:00George Kamel?

  Listen, if Kidz Bop can get away with it.

• 20:03George Kamel?

  You know?

• 20:03Rachel Cruze?

  My kids love Kids Pop.

• 20:04George Kamel?

  It's parody.

• 20:05Rachel Cruze?

  Yeah.

• 20:06George Kamel?

  It's a cover. Here's what Ed famously said.

• 20:09Rachel Cruze?

  Okay.

• 20:10George Kamel?

  Nobody owns the color blue.

• 20:13George Kamel?

  He said that to prove that the ingredients in music have been around long before him and will be around long after.

• 20:17Rachel Cruze?

  Hmm, yep.

• 20:18George Kamel?

  So, I think, I think intent matters. Were you meaning to rip off the song or not?

• 20:22Rachel Cruze?

  Yeah, but no one's gonna say they were in court.

• 20:24George Kamel?

  Or was the melody just close-ish?

• 20:26Rachel Cruze?

  Yeah.

• 20:27George Kamel?

  So.

• 20:29Rachel Cruze?

  Gosh, that would be so hard.

• 20:30George Kamel?

  I, I would also threaten to quit music if someone accused me in court multiple times. I'd be like, you know what? This isn't worth it.

• 20:37Rachel Cruze?

  Yeah.

• 20:37George Kamel?

  I'm just gonna go do something else.

• 20:38Rachel Cruze?

  Um, all right. Next up, when it comes to our lawsuits, Gwyneth Paltrow.

• 20:43George Kamel?

  Ah.

• 20:43Rachel Cruze?

  She was in the news a couple of years ago. This was a, this was an interesting one. So, it was a ski crash and it was like two years after it happened to the, she and this doctor bumped into each other.

• 20:55George Kamel?

  Yep.

• 20:56Rachel Cruze?

  And then about two years later, he claims all this medical stuff and started suing her. So, the question is, how much did retired optometrist Terry Sanderson sue Gwyneth Paltrow for? 2.4 million, 450,000, a dollar, or 3.1 million?

• 21:19George Kamel?

  Um, okay, he sued her, I believe it was 2.4.

• 21:26Rachel Cruze?

  You're incorrect.

• 21:27George Kamel?

  Ah.

• 21:27Rachel Cruze?

  D, 3.1 million dollars, he sued her for. And then she countersued him for $1 to make the statement that even wealthy people are legitimately not at fault, not there, they should not be taken advantage of. Do not, no, don't you be suing me.

• 21:43George Kamel?

  Actually, put respect on Gwyneth's name for that. I don't care what you say about Goop. That was a baller move.

• 21:48Rachel Cruze?

  So great. I know.

• 21:50George Kamel?

  Baller move.

• 21:50Rachel Cruze?

  Yep, so apparently.

• 21:51George Kamel?

  And she had great courtroom style. I remember the outfits.

• 21:54Rachel Cruze?

  Yes.

• 21:55George Kamel?

  Legendary.

• 21:55Rachel Cruze?

  I mean, amazing. And I think actually his lawyer, that was like questioning, like even like made a, had a compliment to her about her outfit or something.

• 22:04George Kamel?

  Oh, wow.

• 22:05Rachel Cruze?

  So good. She looked beautiful, though.

• 22:07George Kamel?

  Game recognize game.

• 22:08Rachel Cruze?

  We love her.

• 22:09George Kamel?

  That's a great lesson. Dress up for court.

• 22:10Rachel Cruze?

  Would you spend a lot, if you were on national television like she was, or like thinking about like Amber Heard, Johnny Depp, like if you're gonna be on trial and it's gonna be televised, I'm spending a lot on clothes.

• 22:20George Kamel?

  Well, I don't wanna spend so much that it makes the jury look... You know, unfavorable on me.

• 22:27Rachel Cruze?

  No, but she did it in like a quiet, beautiful fashion way.

• 22:30George Kamel?

  Well, we also know she's a gigantic celebrity. You know what I mean?

• 22:33Rachel Cruze?

  Sure, yeah.

• 22:33George Kamel?

  Versus me, if I'm in a luxury designer suit, it kind of gives a bad vibe.

• 22:38Rachel Cruze?

  Yeah, you're a little gross.

• 22:40George Kamel?

  For the guys. When the ladies do it, it's like, oh, she's so classy.

• 22:43Rachel Cruze?

  You know what? That's probably true.

• 22:44George Kamel?

  When the guys do it, you're like, alright, relax with the Armani suit.

• 22:49Rachel Cruze?

  Would you pick out an Armani suit? Or like, you went and see someone and be like, that's an Armani suit. You couldn't pick that out. It just looks like a nice suit.

• 22:55George Kamel?

  Yep. My latest suit is from Target. If that tells you anything about how much I care.

• 23:00Rachel Cruze?

  I love it.

• 23:01George Kamel?

  I don't care. I'm gonna wear just a normal suit.

• 23:04Rachel Cruze?

  So wild. Well, obviously, she won, which we love. We are all for her.

• 23:10George Kamel?

  This is what sparked terms like quiet luxury. Remember this?

• 23:14Rachel Cruze?

  Yes.

• 23:14George Kamel?

  Because it was, you know, she was just not...

• 23:16Rachel Cruze?

  So I'm saying she was subtle.

• 23:17George Kamel?

  She wasn't like a catwalk. It was just, I'm gonna show up to court looking elegant.

• 23:21Rachel Cruze?

  Yes, so beautiful. Yeah, I would show up with like a great style or a bunch of just Cozy Earth stuff on.

• 23:27George Kamel?

  There we go.

• 23:28Rachel Cruze?

  Because you just want to be cozy. And that's part of it.

• 23:30George Kamel?

  That's true. You're in a courtroom a long time, I prefer to be cozy. And you're not gonna look sloppy when you're in Cozy Earth.

• 23:36Rachel Cruze?

  No.

• 23:36George Kamel?

  You can't do that.

• 23:37Rachel Cruze?

  The quality of the clothes is so incredible. It fits so well. Like, the look of it, and you can wash it, and it's shape and everything stays the same.

• 23:47George Kamel?

  And one of my favorite products is the bed sheets.

• 23:50Rachel Cruze?

  Yes.

• 23:50George Kamel?

  Made from viscose, from bamboo, and it is temperature regulating. I sleep like a king because of it. And our fans on Smart Money Happy Hour can get a sweet discount of 40% off when you use the promo code SMARTMONEY at checkout. So, go to cozylearth.com/smartmoney, use the promo code SAVEBIG, and live your best bougie frugal life.

• 24:10Rachel Cruze?

  I mean, 40% off, that's like a real good code.

• 24:13George Kamel?

  Yeah.

• 24:13Rachel Cruze?

  I mean, that's amazing.

• 24:14George Kamel?

  You're not gonna find that just sleuthing around the internet.

• 24:16Rachel Cruze?

  Yeah, no. So go and enjoy it, you guys. Oh, it's good stuff.

• 24:19George Kamel?

  And hopefully you don't have to wear it to court.

• 24:21Rachel Cruze?

  Amen. We pray that for you. Oh, man. Well, what do you think, George? Our takeaway?

• 24:27George Kamel?

  I think America is land of the free, and sometimes that means we are free to sue whoever we want for whatever we want. And, you know, it's both and.

• 24:37Rachel Cruze?

  Just, God bless America.

• 24:39George Kamel?

  Yeah, I'm not a fan of it.

• 24:40Rachel Cruze?

  And how do you protect yourself, though? Because I think there are ways with insurance.

• 24:43George Kamel?

  Oh, this is a great...

• 24:44Rachel Cruze?

  That is good. Umbrella insurance is something. Um, because it does cover bodily injury, property damages, all of it. So people with higher net worths and umbrella policies, great.

• 24:54George Kamel?

  We say, once you hit a half million dollar net worth, it's wise to get an umbrella policy. So I did that. And what it does is it it layers on top of your auto and home insurance to give you extra protection. So if you hit your your legal limits for a payout, then umbrella insurance would then kick in to cover the rest.

• 25:11Rachel Cruze?

  Yes.

• 25:11George Kamel?

  And when you get a higher net worth, you become a target.

• 25:13Rachel Cruze?

  Yeah, yeah, people are looking.

• 25:15George Kamel?

  Going after Rachel is more appealing than going after a random stranger because, oh, Rachel's a public figure. She'll likely have money and will be able to pay me millions of dollars. Good luck.

• 25:25Rachel Cruze?

  Don't give them ideas, George. I have nothing.

• 25:28George Kamel?

  She has. Well, you know what's actually smart, and Dave has said this, Dave owns nothing. Everything is owned by an LLC and an entity.

• 25:36Rachel Cruze?

  Right.

• 25:36George Kamel?

  So Dave Ramsey, the person, owns very little to his name.

• 25:39Rachel Cruze?

  Yeah, there's a lot in some LLCs.

• 25:41George Kamel?

  There's a lot you can do as you start to gain real life.

• 25:43Rachel Cruze?

  If you, yeah, if you have a higher net worth, that's true.

• 25:45George Kamel?

  How likely are you to get sued for financial gain? Let's talk about that for a second. It depends on your financial situation.

• 25:52Rachel Cruze?

  Sure.

• 25:52George Kamel?

  Again, if you're a public figure, you're a you've got a bigger target on your back than a random Joe Schmo.

• 25:57Rachel Cruze?

  Yep.

• 25:58George Kamel?

  And those false claims will find their way to you. The good news is just because someone sues you doesn't mean all that much.

• 26:03Rachel Cruze?

  My feelings would be so hurt, I think.

• 26:06George Kamel?

  Guys, don't hurt Rachel's feelings.

• 26:07Rachel Cruze?

  If someone did it, it wasn't true, and you're just like, oh, my gosh, why would you do that?

• 26:11George Kamel?

  Yeah.

• 26:11Rachel Cruze?

  I don't know. I just think there's other ways to, like, solve things. I have to get the courts involved all the time, you know?

• 26:17George Kamel?

  Just say that to them next time, or if and when it happens. Just say, guys, do we really have to do this?

• 26:22Rachel Cruze?

  Guys.

• 26:23George Kamel?

  Can we be friends?

• 26:24Rachel Cruze?

  I know.

• 26:25George Kamel?

  Uh, another one is your everyday risks. So if you drive long distances to work, travel, you participate in potentially dangerous sports, that will increase your risk. And then your profession, social media manager, a writer, PR rep, all of that could affect it.

• 26:39Rachel Cruze?

  Oh, that's a good point. If you're putting stuff out there.

• 26:41George Kamel?

  You're putting, yeah, if you're a content creator, you know, all of that makes a difference. The more you're putting out into the world, the more wealth you build, the bigger target you have on your back. And if you own a small business, that increases your risk.

• 26:54Rachel Cruze?

  Yeah.

• 26:54George Kamel?

  Or a large business. It's estimated that 90% of all businesses. Are sued at least once throughout their lifespan.

• 26:59Rachel Cruze?

  Oh, wow.

• 27:00George Kamel?

  That's pretty crazy.

• 27:01Rachel Cruze?

  Happening. Dang.

• 27:02George Kamel?

  So entrepreneurs, be ready. Make sure you're protected with the right kinds of insurance. And make sure to chat with an insurance pro to make sure you have the right coverage. We've got a great network of insurance pros that we trust. If you go to ramsaysolutions.com/trusted, we can point you toward those resources.

• 27:18Rachel Cruze?

  Love it. All right, George, before we do our Guilty as Charged segments, what are we sipping on?

• 27:23George Kamel?

  This was and is the Citrus Paloma Mocktail. The cost comes out to $2.42 per glass. We love an affordable mocktail. It's got grapefruit, blood orange, lime juice, club soda, and fresh thyme. That's T-H-Y-M-E.

• 27:40Rachel Cruze?

  I loved it. I think I make a nine out of 10, maybe a 10 out of 10.

• 27:44George Kamel?

  It really is hitting.

• 27:45Rachel Cruze?

  It was really great.

• 27:47George Kamel?

  I'm gonna go, I'm gonna go eight and a half out of 10, and I'll tell you why. My one note is I think this needs a sugar rim versus a salt rim.

• 27:56Rachel Cruze?

  Oh, interesting. I could see that.

• 27:59George Kamel?

  It just felt like it was a sweet drink, and the salt detracted from me versus adding.

• 28:04Rachel Cruze?

  Yeah, yeah, yeah, I could see that. Okay, but I love a salt rim.

• 28:07George Kamel?

  If it was more limey like a margarita, I think the salt could work.

• 28:10Rachel Cruze?

  Yep.

• 28:11George Kamel?

  But I think because it was leaning sweet and a little bit...

• 28:14Rachel Cruze?

  With the juice, it would go more, a little more, uh...

• 28:16George Kamel?

  And with the bitterness of the grapefruit, I think the sugar could help.

• 28:19Rachel Cruze?

  Okay.

• 28:20George Kamel?

  One man's take.

• 28:21Rachel Cruze?

  Wow. What a chef.

• 28:22George Kamel?

  What a great mocktail from the team.

• 28:24Rachel Cruze?

  What a chef.

• 28:24George Kamel?

  Get the recipe in the show notes. Give it a try this weekend. Your kids can try this one. There is no alcohol. You can always spike it if you want to be bad. You didn't hear from me.

• 28:33Rachel Cruze?

  Not for the kids, for you adults.

• 28:34George Kamel?

  Not for the children.

• 28:35Rachel Cruze?

  For you adults.

• 28:37George Kamel?

  21 or older.

• 28:37Rachel Cruze?

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

• 28:46George Kamel?

  Hit me.

• 28:47Rachel Cruze?

  Is there a fashion trend that you are a little too obsessed with back in the day?

• 28:52George Kamel?

  Oh, gosh. The fashion police might sue me for this one.

• 28:56Rachel Cruze?

  This is good.

• 28:57George Kamel?

  Fashion trends. You know what you were just talking about on a recent Instagram post was the puka shell necklace? I never fell for it, but the fact that people did is just so funny to me, and that includes your brother.

• 29:08Rachel Cruze?

  My brother had a puka shell necklace, yep, and a shark tooth necklace.

• 29:12George Kamel?

  Oh, wow. Oh, you know what?

• 29:14Rachel Cruze?

  I went to his elementary school.

• 29:15George Kamel?

  I got one that I'm guilty of.

• 29:16Rachel Cruze?

  What is it?

• 29:17George Kamel?

  The deep V-neck.

• 29:19Rachel Cruze?

  Oh, the deep V. Yes, I forgot about the deep V's.

• 29:22George Kamel?

  I was a very, this was the early days of like Urban Outfitters.

• 29:25Rachel Cruze?

  Yes.

• 29:26George Kamel?

  Skinny jeans, like the Sine kids, you know, like kind of the emo punk.

• 29:30Rachel Cruze?

  Yes, with the hair to the side.

• 29:32George Kamel?

  The swoopy hair with the deep V and I was just able to grow chest hair and I thought it was so cool.

• 29:36Rachel Cruze?

  So good, yes.

• 29:37George Kamel?

  And I thought ladies will love this. They in fact did not love it.

• 29:40Rachel Cruze?

  They did not.

• 29:41George Kamel?

  Yeah, never, that trend never came around. Glad that trend died. But there was like the deep V, then the deeper V.

• 29:47Rachel Cruze?

  Yes.

• 29:47George Kamel?

  American Apparel was really big back then, if you guys remember that company.

• 29:50Rachel Cruze?

  Gosh, American Apparel. Are they still around?

• 29:52George Kamel?

  I don't know. I think they just like make just like blank tees at like wholesale. I don't think they're actually a fashion brand anymore.

• 30:00Rachel Cruze?

  Oh, man.

• 30:01George Kamel?

  How about you? Any fashion trends that you fell for?

• 30:03Rachel Cruze?

  Um, you know what I did? And I wore my hair like this daily for like a long time was the poof. I had like the-

• 30:12George Kamel?

  Like the front poof?

• 30:13Rachel Cruze?

  Yeah, it was like this thing and you did this, you know?

• 30:15George Kamel?

  Oh, yeah.

• 30:16Rachel Cruze?

  But then I have a cowlick, so mine would always go to the side. So then I tease the crap out of it to have it saying you just hairspray your hair.

• 30:24George Kamel?

  Oh, wow.

• 30:25Rachel Cruze?

  Oh, man. But the poof thing was, that was big.

• 30:29George Kamel?

  Did anyone like it?

• 30:30Rachel Cruze?

  Everyone did it. That's like how everyone was wearing their hair.

• 30:33George Kamel?

  So you were just following the trends?

• 30:34Rachel Cruze?

  Yeah, I'm falling for the traps.

• 30:37George Kamel?

  I tried to warn her.

• 30:38Rachel Cruze?

  Yeah, I was, uh, the poof, um, I mean, the like Hollister Abercrombie shirts. They're like the very, very thin.

• 30:49George Kamel?

  What's the alligator? The-

• 30:51Rachel Cruze?

  Oh, that's Lacoste.

• 30:52George Kamel?

  Lacoste polos?

• 30:54Rachel Cruze?

  Fancy. I feel like the polo came in to play, like when I was like col- early college.

• 30:59George Kamel?

  Did you ever do the double polo?

• 31:01Rachel Cruze?

  No, but seen it, saw it.

• 31:03George Kamel?

  The pop collar?

• 31:04Rachel Cruze?

  Hundred, uh, yeah, no, I didn't do the pop collar. But I did do like a cami underneath with the polo. But you show the cami and then like the jean skirt. That was a whole thing for a bit.

• 31:14George Kamel?

  I did like the panic at the disco, like beanie with the flat bill on the end. That was a weird trend I fell for.

• 31:21Rachel Cruze?

  I know.

• 31:22George Kamel?

  I wore those little scally caps. You know those little like-

• 31:24Rachel Cruze?

  Scally caps.

• 31:24George Kamel?

  Driver caps. I don't know what they're called. Little like Frenchmen wear them. I thought it was so cool to wear those.

• 31:30Rachel Cruze?

  Oh, like a, like a driver hat?

• 31:32George Kamel?

  Yes.

• 31:32Rachel Cruze?

  Yes.

• 31:33George Kamel?

  I owned far too many. In fact, I just found one that was embroidered with my last name on it from Lids. And we thought it was so funny that my wife made me keep it. She was like, throw that away. And I put it on. She was like, never mind. Keep that. That is hilarious.

• 31:47Rachel Cruze?

  Oh, man. Yeah. My girls have started doing scrunchies on the side of their t-shirts. I was like, oh, my gosh, that's what I did as a little girl.

• 31:55George Kamel?

  Scrunchies on t-shirts?

• 31:56Rachel Cruze?

  You get like a scrunchie and you'd like do your t-shirt.

• 31:58George Kamel?

  Oh, that's cute.

• 32:00Rachel Cruze?

  So, yeah, they're like doing that again. I don't know.

• 32:03George Kamel?

  God bless the trends.

• 32:04Rachel Cruze?

  I don't know. I feel like they can come back around, the trends, you know?

• 32:06George Kamel?

  I mean, Uggs have lasted the test of time, I think. Crocs came back around.

• 32:11Rachel Cruze?

  Crocs did. They've made a comeback for sure.

• 32:13George Kamel?

  So, there you go. A lot of fashion trends out there that I hope to avoid.

• 32:18Rachel Cruze?

  I know.

• 32:19George Kamel?

  I'm getting away from skinny jeans. I don't know if you've noticed.

• 32:22Rachel Cruze?

  Oh, really?

• 32:23George Kamel?

  Yeah, because you told me skinny jeans are dead and now I'm going more like chino.

• 32:26Rachel Cruze?

  Yeah, this was like a, that's a good cut.

• 32:28George Kamel?

  More slim fit versus skinny fit?

• 32:29Rachel Cruze?

  I like that. I think that's good.

• 32:30George Kamel?

  And now when I put on the skinny jeans, I don't know if it's my dad bod talking, but I go, oh, no.

• 32:34Rachel Cruze?

  Oh, no. Just too, why?

• 32:36George Kamel?

  Too tight of a hug. It's like I'm being choked.

• 32:38Rachel Cruze?

  And the girls, Christina Aguilera days, we, the low rise. Oh, man.

• 32:43George Kamel?

  If you wanna be with me.

• 32:46Rachel Cruze?

  Man, when she like 15 singing that song and you're like, what are you doing, girl? Get back to Mickey Mouse Club. Don't be genie and bottle and me. Yeah. All right. Well, if you have a guilty as charged question, make sure to DM us at Rachel Cruz and at George Kamel. And if you loved this episode, you're going to love Money Motives: Hidden and Shocking True Crime Stories. I love this episode. You're gonna enjoy it, too. We'll leave a link down in the description. And make sure to subscribe because you don't want to miss an all new episode of

• 33:18George Kamel?

  Smart Money Happy Hour.