Pod Insights Smart Money Happy Hour with Rachel Cruze and George Kamel 10 Signs You’re Doing Better Than Most Americans About this episode ✅ Connect with one of our Ramsey Trusted providers.
Sure, the world feels like it’s on fire, but hear me out: What if you’re doing better financially than you think? Consider today’s episode the unexpected reset you need!
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Today’s Happy Hour Special: 🍾 Sauv Blanc Spritz
Recipe By: cheesegal
- 3 ounces sauvignon blanc
- 1 ounce elderflower liqueur
- 1 ounce fresh lemon juice
- Lemon seltzer water
- Lemon wheels, for serving
Instructions: In a glass filled with ice, add the sauvignon blanc, elderflower liqueur and fresh lemon juice. Top with lemon seltzer water and stir. Garnish with lemon wheels. Serve and enjoy!
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Transcript Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:05 George Kamel? Hear me out. What if it's all gonna be okay? Stay tuned to find out if you're doing better financially than you think.
0:12 Rachel Cruze? George.
0:12 George Kamel? I'm not an animal. I cut it into slices first.
0:14 Rachel Cruze? You're not as impressed with that story. My jaw was on the floor. No.
0:17 George Kamel? If you stick around to the end of the episode, at the end, I'm gonna eat this lemon rind.
0:20 Rachel Cruze? Oh, my gosh.
0:26 Rachel Cruze? Hey, guys. I'm Rachel Cruz.
0:28 George Kamel? I'm George Kamel.
0:30 Rachel Cruze? And this is
0:31 George Kamel? Smart Money Happy Hour.
0:34 Rachel Cruze? Cheers, George. Oh, my gosh, we got a full blast today.
0:38 George Kamel? Full hearts.
0:40 Rachel Cruze? Oh, summary, summary in life. 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.
0:50 George Kamel? And before we talk about what we're talking about, let's talk about what we're sipping on, Rachel. It's the Sauv Blanc spritz.
0:56 Rachel Cruze? Yeah, lemony.
0:57 George Kamel? And whiny. What a shock. Well, I imagine the Sauv Blanc part's a giveaway there.
1:03 Rachel Cruze? Altogether.
1:04 George Kamel? There you go. We're gonna give you our rating and reveal the cost per glass at the end of the episode, so don't leave early.
1:10 Rachel Cruze? All right, real quick, George, rapid fire. Who said these famous lines? You ready?
1:14 George Kamel? Oh, gosh, like movies?
1:15 Rachel Cruze? Should I do my impressions of the actors?
1:17 George Kamel? Please.
1:18 Rachel Cruze? Life is like a box of chocolates.
1:20 George Kamel? Forrest Gump.
1:22 Rachel Cruze? That's all.
1:23 George Kamel? No idea.
1:24 Rachel Cruze? That's all.
1:26 George Kamel? Tell me what that one is.
1:27 Rachel Cruze? Miranda Priestly.
1:29 George Kamel? Oh, there we go. Okay, that's why I didn't know it. Not my forte.
1:33 Rachel Cruze? I've got a feeling we're not in Kansas anymore.
1:35 George Kamel? Dorothy. Wizard of Oz.
1:37 Rachel Cruze? That's it. I'm not going.
1:41 George Kamel? What transatlantic accent was that? That's it. I'm not go-
1:46 Rachel Cruze? That's it. I'm not going.
1:47 George Kamel? Wait, is that, uh, is it Shrek, the donkey? Is that the donkey from Shrek?
1:52 Rachel Cruze? No, uh, no, but it is, it is a character. He is green.
1:57 George Kamel? Max.
2:01 George Kamel? You're losing me.
2:02 Rachel Cruze? Christmas, think Christmas. It's the, the, the Grinch.
2:07 George Kamel? Oh, the Grinch. Okay.
2:10 Rachel Cruze? That's it. I'm not going. What does he say, though? That's it. I can't cancel that again.
2:15 George Kamel? That makes more sense.
2:16 Rachel Cruze? I'm not a good actor.
2:17 George Kamel? That accent actually was pretty good now, realizing it was the Grinch. I'm playing it back in my mind.
2:21 Rachel Cruze? To infinity and beyond.
2:23 George Kamel? That's Buzz. Tim Allen, all the way.
2:25 Rachel Cruze? Ooh, this one's scary. Why so s- I can't even do it. I'm just gonna say it. Why so serious?
2:30 George Kamel? The Joker.
2:31 Rachel Cruze? Yeah. Just keep swimming, just keep swimming, just keep swimming, swimming.
2:37 George Kamel? I just want you to keep going.
2:40 George Kamel? No clue. I know it's swimming-related, ocean-related. It's oceanic reference.
2:44 Rachel Cruze? You don't know this?
2:46 George Kamel? I'm a grown man.
2:47 Rachel Cruze? Come on, Disney dad. You gotta get, you gotta get on it.
2:49 George Kamel? What, okay, what Disney movie is that?
2:52 Rachel Cruze? Fish are friends, not food.
2:55 George Kamel? Oh, Finding Nemo?
2:56 Rachel Cruze? Yeah, good. Yeah, Dory. She's just keep swimming.
2:59 George Kamel? Okay, Finding Nemo was a little bit like after my time as a kid. The in-between.
3:04 Rachel Cruze? Can I tell you, though, that and Zootopia, I think, is one of the, they are the funniest movies to me.
3:09 George Kamel? I need to watch them.
3:10 Rachel Cruze? That Disney, it is funny. Dory, Ellen DeGeneres doing the voice, y'all.
3:13 George Kamel? Can I come over for a movie night at the Cruz household?
3:16 Rachel Cruze? Yes.
3:16 George Kamel? Because my kids aren't allowed to watch, like, movies yet, you know? So I need to watch it at someone else's house. Winston, hit me up.
3:24 Rachel Cruze? All right, last one. Better than I deserve.
3:26 George Kamel? David L. Ramsey III.
3:28 Rachel Cruze? We got him. We got him. We got him.
3:30 George Kamel? Wikipedia, that's real. Didn't make that up.
3:34 Rachel Cruze? That's all right. That's all right.
3:35 George Kamel? That's a good one. That's a classic line from Dave. Can you admit, even on a worst day, most of us are still doing better than we deserve?
3:41 Rachel Cruze? Yeah, and I'll take a step further, and I'll say even financially, most people are doing better than they think they are.
3:47 George Kamel? Ooh.
3:48 Rachel Cruze? They are. There's some hope out there, you guys. This is the episode of hope for most of you out there. Because I think you kind of get down and out, right? And I think when you're working the plan and, oh, it feels like there's not a lot of margin some months. I don't know. Things are a little bit tighter than you want them to be. You're like, is all this working? You know? Am I doing the right thing? And then you gotta, like, pan back and look and see, wow. Trust me, you are probably doing a lot better than you think you are.
4:13 George Kamel? Well, and the problem is, everywhere you look, it seems like everyone's doing better than you.
4:18 Rachel Cruze? Yeah, that's a good point.
4:19 George Kamel? So you never like achieve this homeostasis and contentment. It's always like, well, that person has way more money.
4:25 Rachel Cruze? That's a great point.
4:25 George Kamel? Apparently, we aren't doing that well.
4:26 Rachel Cruze? Yes. So true. So, so true. Uh, well, did you know that nearly 40% of Americans can't cover a $400 emergency in cash? So, we'll start off there. If you have more than $400 saved, you guys, well done.
4:41 George Kamel? Good for you. You're doing better than...
4:43 Rachel Cruze? You're doing good.
4:43 George Kamel? You're in the, I guess, 60%?
4:45 Rachel Cruze? 60%, yeah.
4:46 George Kamel? Six out of 10 people do have $400. So, look, let's flip the stat. You never go positive with the stat.
4:52 Rachel Cruze? Yeah, I know, it's true.
4:53 George Kamel? 60% of people can cover a $400 emergency. Look at that.
4:56 Rachel Cruze? That's good. That's good.
4:57 George Kamel? Actually, over 60%, if it's nearly 40. It's not quite 40.
5:00 Rachel Cruze? True. Close to. Close to. You gotta be specific on those stats.
5:04 George Kamel? Well, here's a few more stats that blew me away recently, and guess whether these are true or false?
5:08 Rachel Cruze? Me? Okay.
5:09 George Kamel? Lie, I would put, false stats in here. I'm just that kind of guy.
5:12 Rachel Cruze? Yeah, yeah, it's a game, George, I know.
5:14 George Kamel? All right. In the first quarter of 2026, US households had a combined student loan balance of $1.66 trillion, according to the Federal Reserve Bank of New York.
5:25 Rachel Cruze? Yeah, I think that's true.
5:25 George Kamel? That is true.
5:26 Rachel Cruze? Yeah.
5:27 George Kamel? Not a fun true, but it is true.
5:28 Rachel Cruze? One point to me. Keep going.
5:30 George Kamel? All right. This one's a little more positive. In 2025, the average wealth per US adult was the second highest in the world, just slightly under the average wealth of Swiss adults.
5:40 Rachel Cruze? I'm gonna say false. Oh, okay, good. Good, good, good.
5:45 George Kamel? Wow, the average wealth per US adult, so we are number two in the world as far as average wealth.
5:49 Rachel Cruze? I thought we'd be a little lower. I thought we'd be like 3, 4 on the list.
5:51 George Kamel? What country do you think would have been doing better than us, other than the Swiss?
5:54 Rachel Cruze? I mean, the Swiss are, sure.
5:56 George Kamel? But they got Toblerone. Is that even a fair fight?
6:00 George Kamel? You know what I mean? It just feels, we don't have Toblerone. What do we have, Twix?
6:03 Rachel Cruze? What is Tob- is that like candy?
6:05 George Kamel? It's a chocolate.
6:07 Rachel Cruze? Oh.
6:08 George Kamel? You've never seen Toblerone? It's in like the triangle box?
6:11 Rachel Cruze? Oh, okay, maybe so. I don't know the names of them, though.
6:14 George Kamel? Well, don't punch down on Toblerone.
6:16 Rachel Cruze? Well, you sound like Troubadour. That's where I went in my head. Troubadour. Chocolates.
6:20 George Kamel? I base a country's worth on their chocolate. It tells me a lot about a country.
6:24 Rachel Cruze? I base it on the food. Mexico, you're winning. Love your food.
6:30 George Kamel? What's a country's food you would say?
6:31 Rachel Cruze? Love a chips and salsa.
6:32 George Kamel? Looks like they're losing. Is there a food that you're like, "I am not a fan of this cuisine"?
6:38 Rachel Cruze? Man.
6:40 George Kamel? There's no good answer here. You're going to lose.
6:43 Rachel Cruze? No, it's fine. I can be honest, though. Let me think.
6:45 George Kamel? Just not your taste.
6:46 Rachel Cruze? Yeah, I'm gonna go like the Finland route. You know, it's not quite Mediterranean.
6:53 George Kamel? What are they eating in Finland? Mostly fish?
6:55 Rachel Cruze? They got a lot of schnapps. They got a lot of, yeah, they got a lot of, um...
6:58 George Kamel? Sardines?
6:59 Rachel Cruze? Sardines, yeah. Yeah, yeah, yeah, yeah. Yep.
7:03 George Kamel? Okay.
7:04 Rachel Cruze? I don't know.
7:04 George Kamel? Sorry, Finland.
7:07 George Kamel? Enjoy your cold fish, you weirdos.
7:10 Rachel Cruze? What about you? What, like Italy and Mexico? So good.
7:13 George Kamel? Yeah, Italian food, Mexican food. I love Mediterranean food. The one that I could...
7:16 Rachel Cruze? I was gonna say Mediterranean.
7:18 George Kamel? Like if I could do without one?
7:19 Rachel Cruze? Sure. Or one country that you're like, eh, I'd go, it probably won't like get like full.
7:23 George Kamel? I'm usually not like, ooh, let's get Indian food tonight.
7:27 Rachel Cruze? Oh, that's fair. Now, that'll, yeah, you gotta build up to that.
7:30 George Kamel? Yeah.
7:30 Rachel Cruze? You do.
7:30 George Kamel? There's some dishes I love, but overall, I would say it's not like a...
7:35 Rachel Cruze? That is a real thing that when you visit India, they talk about this, our neighbors, their parents are from India, and they go and visit usually like every other year, and she has to like build the kids...
7:45 George Kamel? Tolerance up?
7:46 Rachel Cruze? Tolerance, yes, because you can get sick, really, truly, really fast.
7:49 George Kamel? Well, there's a spice level that we are not prepared for.
7:52 Rachel Cruze? It's a lot. It's a lot.
7:53 George Kamel? All right.
7:53 Rachel Cruze? Yeah, that's a fair one.
7:54 George Kamel? There you go.
7:55 Rachel Cruze? There we go.
7:55 George Kamel? Yeah, second wealthiest on average per adult.
7:58 Rachel Cruze? Sorry, yeah, Swiss. Well done, Swiss.
7:59 George Kamel? That's how we got here. Well done.
8:00 Rachel Cruze? Well done.
8:02 George Kamel? All right, social security funds may run out by 2035.
8:05 Rachel Cruze? By 2035? I'm gonna say false.
8:08 George Kamel? You're correct, it is false. May run out by 2032.
8:10 Rachel Cruze? Oh, okay.
8:11 George Kamel? Now, that's like the trust fund, it'll be reduced by about 20%. It's not like no one's getting any money.
8:16 Rachel Cruze? You know, though, I'm gonna say if you're under 40, under 45.
8:21 George Kamel? Let's not bank on it.
8:22 Rachel Cruze? Probably not gonna bank on it. I don't know. If we get it, gravy on top, as they'd say in the South, but, uh...
8:28 George Kamel? Graving the arteries, that's what I say.
8:31 Rachel Cruze? The arteries.
8:32 George Kamel? All right, last one. The median age of first time home buyers has reached 40 years old.
8:37 Rachel Cruze? You know, I feel like I read that recently, and I think that is true.
8:40 George Kamel? You did read it.
8:41 Rachel Cruze? Okay.
8:41 George Kamel? It is true.
8:42 Rachel Cruze? I heard that. Oh, that's a tough one.
8:44 George Kamel? But also, if you're not a homeowner and you're under 40, this should be good news.
8:48 Rachel Cruze? That's right.
8:48 George Kamel? You're not alone.
8:49 Rachel Cruze? You're doing better than you think.
8:50 George Kamel? I'm not the only one who doesn't own a home. Because it can feel that way when you look around all your friends and
8:55 Rachel Cruze? For sure.
8:55 George Kamel? They're buying up homes left and right.
8:57 Rachel Cruze? Yeah, and you're like, what are you doing? Okay, before we dive in too deep into the financial stuff, George, I want to know from you, what is a part of life that you're like, oh yeah, I'm crushing that. Like, I am doing better.
9:08 George Kamel? Oh.
9:09 Rachel Cruze? Than I think I am.
9:10 George Kamel? I will say, parallel parking for me is a, is a strength.
9:13 Rachel Cruze? I love, uh.
9:14 George Kamel? Like, I'm not scared of it. We're in the big city.
9:16 Rachel Cruze? Yeah.
9:16 George Kamel? Cars are behind me. One try.
9:18 Rachel Cruze? Um, you learn to line up, uh, mirror to mirror? Is that how you do it?
9:23 George Kamel? You know what? I go kind of bumper to mirror.
9:26 Rachel Cruze? Bumper. Oh, okay. So I go mirror to mirror?
9:29 George Kamel? I don't need to go that far.
9:30 Rachel Cruze? Okay. You can zip it in.
9:33 George Kamel? I wish, you know, I do miss the old, like, one hand.
9:35 Rachel Cruze? I know, because we got the little yokis.
9:37 George Kamel? Yeah.
9:38 Rachel Cruze? I know.
9:39 George Kamel? How about you? What are you better than you think you are at, if that was even a sentence? If I asked Winston.
9:46 Rachel Cruze? I get a
9:47 George Kamel? She underestimates her ability to blank.
9:49 Rachel Cruze? Yeah. I'd say that's a lot. But I do feel, I do feel like, I feel like I'm crushing it. Like, I'm like, oh, I am, I'm good at life. When, like, dishwasher's unloaded, laundry's put away, I've got my meal plan for the week, it's Sunday and it's like 8 o'clock, I'm getting bed, I'm like, oh, I got like two hours, what am I gonna do? I only do for an hour or two. And I'm just killing it, you know?
10:13 George Kamel? So you're, you're domestic skills.
10:15 Rachel Cruze? That's control to me. I feel like I'm in control of my life when that is happening, and it feels great.
10:20 George Kamel? Wow.
10:21 Rachel Cruze? I love it.
10:21 George Kamel? I will say, I'm good, I'm really good at folding clothes. I mean, when you see my pile, like, when I fold my wife's clothes, it is expertly done.
10:27 Rachel Cruze? Okay, that's Winston, too. That's so funny. Do you know, like, the first year we were married, he liked our laundry one of the times, and he was folding it, and I told him, it's a joke now, because we say it all the time, I'm always, I told him, it's like, you know? I think laundry is like your thing. I think you should do this more.
10:41 George Kamel? So now he's the laundry man.
10:43 Rachel Cruze? He's a, but he's a meticulous folder. Do you know what I'm saying? Like it's like, everything's neat. So.
10:48 George Kamel? I think Winston and I, we like things done the right way.
10:50 Rachel Cruze? Yeah. And I have zero need for that.
10:52 George Kamel? You could not care less.
10:54 Rachel Cruze? I'm fine. Just put it in the right drawer and we'll, we'll find it. And then we'll reorganize every like, I don't know, twice a year, you know?
11:01 George Kamel? Yeah.
11:01 Rachel Cruze? That's where I'm at. I do know though, once laundry is done and I do get into my bed, when I get into my bed and I got those bamboo cozy earth sheets. Oh my gosh.
11:12 George Kamel? Well, Cozy Earth was kind enough to let us create our own bundles, which was super fun. So what does your bundle include?
11:18 Rachel Cruze? Yes. So the luxe bath sheets. So it's like bigger than a standard towel. Love. The bamboo act like the bamboo pajamas. So not the sheets, but the pajamas. So you're in bamboo, getting in bamboo.
11:31 George Kamel? You're double bamboo.
11:32 Rachel Cruze? It's amazing, but the pajamas are amazing. And then the kimono robe, which is bamboo too. But it's so soft, so light. I love it. So that's my set. Yours?
11:43 George Kamel? Mine includes the lake house clog, which I wear daily as soon as I get home, slipping into the clogs. The first layer pajama, short sleeve tee and short set. Big fan of that. And then the essential calf sock four pack. Now traditionally I'm a no sock guy from Cozy Earth, but I know the kids these days wear calf sock. So I put that in the bundle. I'm a man of the people.
12:03 Rachel Cruze? Unbelievable.
12:03 George Kamel? And guess what? All of these bundles are 40% off for Smart Money Happy Hour listeners. So give the gift of everyday luxury. Head to cozylearth.com/smartmoney for 40% off our exclusive bundles. This is a limited time offer, so get yours while supplies last.
12:17 Rachel Cruze? So great. Okay. So let's talk about some signs that you are doing better financially than you think you are even. And drop your comments below because we do want to hear from you. So first up, George, we got, you can still have a cushion of cash left over in your account on payday.
12:33 George Kamel? So you're not paycheck to paycheck.
12:35 Rachel Cruze? Yes.
12:36 George Kamel? There's some margin.
12:37 Rachel Cruze? You got some buffer, which is great. That's a good feeling. Yep. And even outside your emergency funds. It's just like in your checking accounts, there's, yeah, there's money there that you're not running. To zero because we talk about zero based budgeting and the EveryDollar app's awesome. If you want to check it out with zero based budgeting, but it doesn't mean that you take your account down to zero, but some people are at that paycheck to paycheck. They are running out of money.
13:01 George Kamel? They're accidentally getting to zero and beyond.
13:03 Rachel Cruze? That's right, and it's on accident versus having that buffer. But when you live on less than you make, you cut some things out and EveryDollar, the app helps with this because you're able to see where your money's going. You can cut categories and put that money toward savings, but having some of that buffer, oh, it's a good feeling.
13:17 George Kamel? And if you can get like a month ahead.
13:19 Rachel Cruze? I know, that's nice.
13:20 George Kamel? When the first hits and you have all the money for the next 30 days sitting in that checking account, no better feeling.
13:26 Rachel Cruze? It's great.
13:27 George Kamel? That's so good.
13:27 Rachel Cruze? Lots of control there financially.
13:29 George Kamel? Okay, next up, you're doing better than you think financially if you are paying off debt slash working toward becoming debt free.
13:36 Rachel Cruze? Yes.
13:36 George Kamel? So just progress. You have a goal to do it. You have a plan to do it. You're being intentional.
13:41 Rachel Cruze? And you're getting out of the negative. A lot of people live their lives financially in the negative. They owe every month for their entire life. They owe someone money and if you're working to get out of that, yes, you're doing way better than the average person out there.
13:54 George Kamel? Most people are just sitting in the debt. They're probably feeling a little hopeless, overwhelmed. The interest is accruing faster than they can pay it off. So if you're even making any progress toward knocking down the principal amounts, you're doing the debt snowball, knocking out the first, smallest debt first, that tells me that you're going to commit to this life change. It's going to happen for you.
14:12 Rachel Cruze? That's right. Yep. So you're doing great out there, you guys. Keep it up. Those of you that have paid off debt or you're paying off debt, well done. All right, next, you're currently living in an answered prayer or a past goal that you have accomplished.
14:24 George Kamel? Love this energy.
14:25 Rachel Cruze? I do too. I mean, if you think about.
14:27 George Kamel? You're living in an answered prayer. I've never thought about it that way.
14:30 Rachel Cruze? I know. Thank God for unanswered prayers, as Garth would say, but we love an answered prayer, you know? It is, that is part of living in the present. That's why we talk about gratitude, right? And being grateful for what you have. Like, there really is something spiritual about that because you are living in the moment and you're able to look up and be like, oh, my gosh, this is what's happening around me. This is what I wanted. Like, you know what I mean? Whether it's job or friends or family, career, financial, whatever it looks like. Have something in the moment like that you have always wanted. It's a good feeling.
15:02 George Kamel? Yeah.
15:03 Rachel Cruze? And we don't do that enough.
15:04 George Kamel? I like to think about it like if 15 year old Hugh saw the life you had now. Would they be amazed, would they be proud of, would they be like, oh my gosh, you married her for real? Those are your kids? That's your house?
15:17 Rachel Cruze? Yeah.
15:17 George Kamel? That's a cool thing to think about.
15:18 Rachel Cruze? It's great. Can I tell you the craziest thing?
15:20 George Kamel? Okay.
15:21 Rachel Cruze? This happened, it's been probably 10 years. Okay. We were living in our old house, Winston and I. And he gets a letter in the mail and it's from his high school. But it's his handwriting on the front, like with these, the high school address and stuff like in the return. And he's like, what is this? And then it's like someone had typed out our address and it had his name. He opens it, it's a letter he wrote 10 years before when he's a senior in high school. This high school kept these letters for 10 years, found, I guess everyone's addresses. I don't know how they did it. Mailed it and in his letter to himself at 18, he was, I think 28 at the time. And yeah, and it said in there, did you, and it listed all this stuff. Did you get married?
16:03 Rachel Cruze? Do you have, like all these things that 18 year old Winston was wondering about. And he was sitting there, he was like, this is the weirdest experience ever.
16:11 George Kamel? And it was like, check, check, check.
16:12 Rachel Cruze? It was wild. Most of it was. Yes.
16:14 George Kamel? That's amazing.
16:15 Rachel Cruze? Not living in Nashville, when Nashville was not on the list. I wrote to him and brought him here.
16:19 George Kamel? Where did he think he would be living?
16:21 Rachel Cruze? I think it was Knoxville, working, yeah, but he kind of mapped out what he thought his life was going to be like. Uh, and a lot of it was. Is that crazy though?
16:30 George Kamel? That's beautiful.
16:30 Rachel Cruze? It's very like, um, what's it called when it's, what's that movie? And you like dive in the future, but then you're still not.
16:39 George Kamel? I just want to keep this going. So continue.
16:41 Rachel Cruze? Do you know what I mean?
16:42 George Kamel? When you dive in the future and you come back, inception?
16:45 Rachel Cruze? Yes.
16:46 George Kamel? Oh, okay.
16:47 Rachel Cruze? Doesn't that feel like a little like?
16:48 George Kamel? I don't think that was the plot, but.
16:51 George Kamel? I get where you were going with it. I was like, I think she's thinking of inception.
16:54 Rachel Cruze? Like the past is colliding with the future. You're not as impressed with that story as I was.
16:59 George Kamel? No, that is a beautiful.
17:01 Rachel Cruze? My jaw was on the floor. It's like you're coming back from the past.
17:04 George Kamel? That is cool to see like a past version of you hoping for these things. It does make you more grateful, though. It's hard to complain when you realize you have like everything you wanted and more, and yet you're still like, why am I complaining?
17:14 Rachel Cruze? Yeah, why am I complaining?
17:15 George Kamel? Why do I want for more?
17:17 Rachel Cruze? Yes. Oh, my gosh. Well.
17:19 George Kamel? Sorry about this bug, by the way. I don't know if you guys can tell at home. There was like a gnat flying around. How did a gnat get in here?
17:25 Rachel Cruze? All around me.
17:26 George Kamel? We're like nine doors deep into a building. Like, how did a gnat get in here?
17:29 Rachel Cruze? He is. He's gonna hang out this episode. #Gnat.
17:33 George Kamel? But I want to do the Obama and just like first try.
17:36 Rachel Cruze? Oh, my gosh. If you could.
17:38 George Kamel? Or like if someone threw a shoe at me, I could do the George W. Bush and...
17:41 Rachel Cruze? Just like, you're so quick on your feet. So quick on your feet.
17:44 George Kamel? That would be impressive. Someone throw a shoe at me, see if it... No, please don't do that. It will hit me directly in the face.
17:49 Rachel Cruze? Well, you may, uh, yeah, you may not be able to kill a gnat, George, but you know what you can do?
17:54 George Kamel? What's that?
17:55 Rachel Cruze? Open up another savings account with Fairwin's Credit Union, because we just did.
17:59 George Kamel? That's true, right before we went live.
18:01 Rachel Cruze? I know. I was like, I need to open up another high-yield savings account, because you can have up to 10 with Fairwin's Credit Union with the Smart Bundle, which is amazing. But they make things so easy and so simple, and we figured it out. You gotta go through a couple of things, make sure you're clicking on the right stuff, and bam, there you go.
18:18 George Kamel? Who's this one for?
18:20 Rachel Cruze? I'm doing it for Amelia.
18:21 George Kamel? So selfish.
18:22 Rachel Cruze? She's starting to work.
18:23 George Kamel? What is she doing for work? Isn't she like 10?
18:25 Rachel Cruze? She's 11, and she's come here to the office, and she's helped out on The Ramsey Show.
18:30 George Kamel? It's more of like a commission, like a chore.
18:32 Rachel Cruze? Yeah, I mean, it's like three hours.
18:33 George Kamel? She's not on payroll.
18:34 Rachel Cruze? A week. No, no, no, no, no. But she really wants to save this money at work, like the work that she's doing in the office. She's like, I want to save. I know. I'll save her.
18:42 George Kamel? So, check out the Smart Bundle. You can save for yourself if you're selfish, or be like Rachel and be selfless. And save for someone else you love.
18:50 Rachel Cruze? Get your kids. Yeah, get your kids' savings accounts.
18:51 George Kamel? Get your kids working that 11.
18:52 Rachel Cruze? Yeah, but the Smart Bundle, you get a no-fee checking account, up to 10 high-yield savings accounts, and the Ramsey Dead as Normal Be Weird debit card. So make sure to check it out.
19:01 George Kamel? Fairwins.org/Ramsey. All right, back to our list of signs you're doing better financially than you think. You're investing in retirement.
19:11 George Kamel? Maybe instead of depending on day trading or sports betting or something else to build wealth.
19:16 Rachel Cruze? That's right.
19:16 George Kamel? You're just simply doing the boring stuff.
19:18 Rachel Cruze? According to the Q1 State of Personal Finance in 2025, 2/3 of Americans said that they are working past the age of 65.
19:27 George Kamel? I think it was because they had to.
19:29 Rachel Cruze? Yes.
19:29 George Kamel? Not because they wanted to.
19:31 Rachel Cruze? No, because they tell us, yeah, they don't have enough for retirement. So if you are working towards retirement of any level, right, that you're putting any amount of money away, we recommend 15% after you've paid off debt and have a fully funded emergency fund. But yeah, if you're putting money away, you guys for retirement, two and crate. And the Roth IRA, amazing.
19:51 George Kamel? Yes.
19:52 Rachel Cruze? Do it. 7,000 this year.
19:53 George Kamel? I think it's like 7,500 now for 2026.
19:56 Rachel Cruze? Yeah, it's 7,500. If you've got a 401k at work, take the match. Like, there's some great things you can be doing towards retirement. It's like simple stuff, but man, it will make a world of difference, especially in your 60s when you want to retire.
20:08 George Kamel? Yes. And whatever's holding you back from investing, get over it respectfully. If that's debt payments, let's get out of debt. Let's free up that margin to invest. If it's fear because you don't understand investing, let's learn. You can watch YouTube channels, you can reach out to a financial advisor, do whatever you can to learn, to be comfortable with it, to understand it, because it's not that complicated and you don't have to be a prodigy.
20:32 Rachel Cruze? And you guys, and the rate of return the past like four years, it's been insane.
20:35 George Kamel? It's been nuts.
20:36 Rachel Cruze? I think if we, I think we added it up the last four years, it's been almost 100% return. Like, your money almost has doubled in the last four years. Like, it's wild. So, put it in, it's great. We talk about passive income, right? It's on income for you right now, but it's passive money growing. Your money is working for you. So, it's awesome. All right, next up, we mentioned it earlier, but it's true. You own a home, or you're planning to. So, homeownership, yeah, it's getting a little bit tougher out there, George, right? What was it, medium age, 40?
21:04 George Kamel? 40 now.
21:05 Rachel Cruze? Yeah, so it's, it's something to work towards, but...
21:08 George Kamel? Yeah, the home prices versus the household income, it's just not, it hasn't been moving at the same pace.
21:14 Rachel Cruze? Yeah, it's a little tougher.
21:14 George Kamel? Home prices have outpaced it.
21:15 Rachel Cruze? But if that's a goal for you, and you know you're working towards a down payment, or you own a home now... Again, you're doing great, great, great, great.
21:23 George Kamel? But do it the right way. Save up over a long period of time. Get the down payment in place. Make sure you're debt free with the emergency fund. Don't rush into it just because you feel like you're behind or somebody told you renting is a waste of money.
21:35 Rachel Cruze? That's right. Absolutely.
21:36 George Kamel? You'll be calling the Ramsey show saying, should I sell my house? It's 60% of our take home pay. Or my spouse wants to stay home and we can't afford it on a single income. You have options when you buy a home the right way.
21:48 Rachel Cruze? Yep. Be thinking through it.
21:48 George Kamel? So whether you're 25 or 35 or even 45, that's okay if you do it with peace. And here's how you know you're doing it with peace the right way. You are buying this house with a 15 year fixed rate mortgage, if you're going to take out a mortgage at all, and the payment is no more than a quarter of your after tax monthly income. So if you bring in, let's say, $5,000, that mortgage should be no more than 1250. That's it. And factor, factor out your 401k and healthcare stuff because that'll help your numbers out with that.
22:17 Rachel Cruze? Yep, for sure. That's so good. All right, next. You have people in your life that you can trust.
22:23 George Kamel? Oh, that's an interesting one.
22:25 Rachel Cruze? I love that. Yeah. The loneliness part of life is very real for a lot of people. Dr. John Deloney talks about this a lot. So if you have people though, that you can call, you have friends, you have church community, you have colleagues at work, you have family, like if you have people in your life that you trust, it's wild to say it, but you're doing better than most people. I mean, genuinely, like be grateful for those relationships. It's a big deal.
22:49 George Kamel? And I imagine you are more successful in almost every area of life if you're not isolated. If you have people around you who support you who are also growing. And that also goes for experts in your corner. So real estate expert, insurance expert, investing pros, all of those matter. And if you want to find a Ramsey trusted pro in your area for help with real estate, taxes and more, you can jump on ramsysolutions.com and find that. But having people in your life you can trust personally and professionally makes all the difference.
23:16 Rachel Cruze? It's a really big deal. Yeah. I mean, you do think about it at the end of your life. Like I know this is a money show and we talk about money because it's such a stress point for so many people. So we want to get you to a place of peace with your money by giving you a plan and let you win financially. So it's not a burden or a stress. But you're doing all of that so that you can have a quality life. And I really do think, the older I get, George.
23:36 George Kamel? In your old age.
23:37 Rachel Cruze? Yeah, it really is relationships. Like, there is something so rich about that, of being with people and having people. There's a quality there. And also taking care of yourself, like, there's other elements of life that are very, very important.
23:49 George Kamel? But I think there's stats that you, like, live longer if you have good relationships. And if you're around your family, around your grandkids, I think also helps you live longer.
23:57 Rachel Cruze? I read that sentence to my parents.
23:59 George Kamel? Say, "Watch the kids this weekend, Sharon and Dave."
24:01 Rachel Cruze? "Watch the kids, it'll make you young, it'll make you young."
24:03 George Kamel? That's amazing. All right, speaking of personal and professional, here's the next one. You have personal and professional goals for the future. So being a little bit goal-oriented in a healthy way.
24:14 Rachel Cruze? Yes.
24:15 George Kamel? You're thinking about the future, you're intentional, you want to grow. You know, you've got two things many people don't, which is confidence and hope. If you're just that forward-thinking person.
24:23 Rachel Cruze? This is the one I'd struggle with, George. I don't just like... We have a new financial goal, which actually has been fun. That was in our trying to hit. So that actually has, like, been very motivating.
24:34 George Kamel? A little life-giving?
24:34 Rachel Cruze? Which is really fun, yes. But overall, I'm like, when the new year comes.
24:39 George Kamel? You're not a resolution person.
24:40 Rachel Cruze? Everyone's making, well, that, and just like, all these goals in all these areas. I'm like, oof, sometimes I kind of just want to do the least. Enjoy life, you know? Hang out with my family and friends. Relationships, check.
24:53 George Kamel? But that's a goal. That can be a goal, is like, I want to have a double date night.
24:58 Rachel Cruze? I'm a goal setter, and I'm a goal-accomplisher, if that's the case, George.
25:02 George Kamel? She's done it all.
25:03 Rachel Cruze? Maybe that's it, maybe it's just goals I want. Maybe I feel like I have to set goals.
25:07 George Kamel? Who said it has to be a certain thing?
25:08 Rachel Cruze? I know, maybe I set, yeah, people...
25:10 George Kamel? You're setting the wrong goals.
25:11 Rachel Cruze? Setting the wrong goals, yeah.
25:12 George Kamel? Maybe your goal is to have less goals. That's a goal.
25:15 Rachel Cruze? That's a goal, I could accomplish that goal.
25:17 George Kamel? You just did it.
25:18 Rachel Cruze? No, but genuinely, looking forward and planning and being intentional, it is a big deal. Very big deal.
25:23 George Kamel? All right. Did you know that a service exists to protect your personal and professional info floating around the internet?
25:29 Rachel Cruze? I think I do. Is it Delete Me?
25:31 George Kamel? Ding ding ding, winner winner chicken dinner.
25:33 Rachel Cruze? Delete Me is amazing. Absolutely incredible. I just looked at my report, almost 90 hours saved.
25:37 George Kamel? Wow.
25:38 Rachel Cruze? Yes.
25:39 George Kamel? Here's what I love, because I had my account a few months before you, you'll never catch up to me. And your competitive heart, I know that just crushes you. I'm at like 130 hours.
25:49 Rachel Cruze? You're on that track still.
25:50 George Kamel? Of time saved, time it would have taken me to go search for my information on all these data broker sites, time to make sure it was removed. And so they have data privacy experts behind the scenes all year long, removing it, making sure it stays gone, and sending you the report, showing you where it was, and now it's not there anymore. So thank you to Delete Me.
26:08 Rachel Cruze? Well done. The hard work, we greatly appreciate, but really protecting your information online. And this is everything from your home address, to your phone number, your kids' names, all of it. So Delete Me goes in, removes that information, and we love them for it.
26:22 George Kamel? Yep. So check it out for yourself. If you want to help protect your digital privacy, go to joindelete.me/smartmoney and you'll get 20% off their annual plans.
26:30 Rachel Cruze? All right. Next up on the list, that you're doing better than you probably think you are, is that you're consistently employed.
26:36 George Kamel? I like the word consistently there.
26:38 Rachel Cruze? Yes. You have an income coming in consistently. It's a big deal. And some people have life events, you know, that alters that a little bit for them. But if you look over the span of your life, you're like, yes, I'm a working adult, and I am bringing in money, or the household is, right, in general. That's a, that's a great thing.
26:56 George Kamel? So if you're adding value in any way to this world, to the economy, you get dollar bills for that, which is wonderful. And it gives you dignity to have some purpose in your work and do it with pride.
27:07 Rachel Cruze? For sure.
27:08 George Kamel? And put some effort in. I know work is kind of villainized, and corporations are villainized, but it feels really good to contribute.
27:14 Rachel Cruze? Yes, to do something. We just had a teacher on The Ramsey Show, just hosted right before we came in here.
27:20 George Kamel? Oh.
27:20 Rachel Cruze? To do a debt free scream, yeah. She was a teacher there from California. She just retired. So she's 60 and retired, but her and her husband. And they are precious. And she said, One of the things that they did is she said, I found ways to do something that feels good to my heart is what she said, that was free. Like instead of feeling I had to go pay for everything. So she said it was so sweet. I was like, gosh, it's so great. She was like, find someone elderly in your area that you like have some connection to and just like, take them outside their home. Like sit in the yard with them, talk with them for an hour. And like, that's it. She was like, and it's free and it does something good. I don't know. It was just such a sweet. She was such a great woman, such a great woman. But I thought of that and I told her, I was like, man, teachers, I love them.
28:01 George Kamel? Great hearts. And that reminds me, I'm gonna text Dave Ramsey and see if he needs to be taken out of the house this weekend. Just to get him out for a little bit, some fresh air, take him to the park.
28:13 Rachel Cruze? Take him out of the studio. Just here, get some vitamin D, Dave. Yeah, just need some, I know. He may need it.
28:18 George Kamel? So sweet.
28:19 Rachel Cruze? He may need it.
28:20 George Kamel? Respect your elders.
28:21 Rachel Cruze? Yes. That service oriented heart goes a long way, you guys.
28:25 George Kamel? That's true. I love that.
28:26 Rachel Cruze? Next, you feel content in life.
28:29 George Kamel? You're doing better than you think financially if you feel content in life.
28:32 Rachel Cruze? Yeah, people, we spin our wheels all the time, right? All the time. What's bigger? What's better? What does other people have? Comparison? Like, it's just a, it's a constant thing. And when you are just at peace with your life and you are good, huh, you are doing better than most people in 2023.
28:49 George Kamel? You've told the story, I think, before, but that like, it's like an old sort of legend has it thing. But the fisher, the Mexican fisherman.
28:56 Rachel Cruze? Yes, it's one of my favorite stories.
28:58 George Kamel? And the guy comes in and is like, well, you know, if you had more boats, you'd catch more fish. And he's like, well, then what? Well, then you could have a whole fleet and, and then what? Well, then you could be here fishing with your friends and they're all doing the work for you. He was like, that's what I do now.
29:08 Rachel Cruze? Yes, yes.
29:08 George Kamel? Why would I go do all of that work to have the same life I have now?
29:11 Rachel Cruze? Yeah.
29:12 George Kamel? So it's a good reminder. That's a terrible abbreviation. Go look it up. It's much better on the internet, I'm sure. But it's nice to go like, contentment doesn't mean I've made it to this certain level.
29:22 Rachel Cruze? That's right.
29:23 George Kamel? It's just being content where you are.
29:25 Rachel Cruze? Yes, absolutely. It's a beautiful thing.
29:27 George Kamel? That's difficult to do in today's world.
29:28 Rachel Cruze? And gratitude helps with that. That's what we were talking about earlier. So, uh, next is you've recently been generous in some way. I love that. So that could be in money and life and relationships.
29:39 George Kamel? And service.
29:39 Rachel Cruze? And service, yes. Yeah, there is a, um, I will say, I think this is a part of our world that I wish was captured more. Cause I do think I, I want to believe there is more generous people out there doing great things in our world than we know about. We always see the doom and gloom. It's what, it's what makes the algorithms spike. It's what makes the news and all of it. But there's just good people out there doing really good things. And I, yeah, I don't know. There's, there's goodness out there.
30:06 George Kamel? It doesn't always make the headlines. It's generally something done in secret.
30:10 Rachel Cruze? Yes.
30:11 George Kamel? Invisible. Cause people who are generous tend to not be super showy about it.
30:15 Rachel Cruze? That's right. Yes.
30:16 George Kamel? So you may not even know what's happening. It's always behind the scenes, but all of us have been on the receiving end of generosity. And it changed our life in some way. And so I think, uh, you know, let's, let's make it contagious. Let's make it cool again.
30:27 Rachel Cruze? It's true. Yep. There's something beautiful. So yeah, if you are being a generous person, that is changing who you are in your character. And so you're doing better, better than you think you are in that case. I love it.
30:38 George Kamel? Such a sweet episode.
30:39 Rachel Cruze? It was one of hope. I said it at the beginning, but I am like all of you out there. You're doing such hard work, you guys. You really are. And we've talked to so many of you. So many people always stop and they're always like, we love Smart Money Happy Hour. It's like my number one thing I get.
30:50 George Kamel? Can I add a bonus to the list?
30:52 Rachel Cruze? Yeah.
30:53 George Kamel? You regularly watch or listen to Smart Money Happy Hour.
30:57 Rachel Cruze? You're doing better than you are.
30:58 George Kamel? I'm trying to think of that person. They can't be doing terribly in life. If they have the time to listen to the show, they're probably doing okay.
31:07 Rachel Cruze? I'm going to say that too. You're doing okay out there.
31:10 George Kamel? Listening to this while doing the side hustle or while visiting the elderly.
31:13 Rachel Cruze? Yep. I know.
31:14 George Kamel? Watch it with an elderly person in your life. I think they'll get a kick out of this.
31:18 Rachel Cruze? I think they'll love us.
31:19 George Kamel? I like that Rachel gal.
31:21 Rachel Cruze? Love when she quotes movies.
31:22 George Kamel? That persnickety camel fella.
31:23 Rachel Cruze? I don't know about him. I don't know if he can be trusted. Yeah. Oh, so great. All right. Well, before we spill the tea on our guilty as charged segments, um, let's share the details in our rating, George.
31:35 George Kamel? Yeah, this is the Sauv Blanc spritz.
31:37 Rachel Cruze? I think I was a little scared to pick it up because it's just so full.
31:40 George Kamel? It's really nice.
31:42 Rachel Cruze? I think it is, yeah.
31:43 George Kamel? Here's what's in the Sauvignon Blanc. Would you guess what's in it?
31:46 Rachel Cruze? Sauvignon Blanc.
31:47 George Kamel? That's right, that's a white wine.
31:49 Rachel Cruze? I'm gonna go lemon.
31:50 George Kamel? Fresh lemon juice.
31:51 Rachel Cruze? Mm-hmm.
31:52 George Kamel? Elderflower liqueur.
31:53 Rachel Cruze? Oh, okay.
31:54 George Kamel? And then lemon seltzer water.
31:56 Rachel Cruze? Ah.
31:57 George Kamel? Add a little bubbles, effervescence, if you will.
31:59 Rachel Cruze? I think it's fun. Well.
32:02 George Kamel? Comes out to $3.75. This is a fun one. This is a great summertime drink. Like, if you're not in the mood for like an Aperol spritz, you got a bottle of Sauvignon Blanc sitting around.
32:10 Rachel Cruze? Was it too lemony for you? A little too lemony for me, I'm gonna be honest.
32:12 George Kamel? I like as much lemon as you can give me.
32:14 Rachel Cruze? Yeah, you are a tart.
32:15 George Kamel? I ate lemons as a kid, like, just full with the rind and everything.
32:18 Rachel Cruze? It's like an apple.
32:19 George Kamel? Yeah. I mean, I'm not an animal. I cut it into slices first.
32:23 Rachel Cruze? George, that's unbelievable.
32:24 George Kamel? But I, like, if there's a, I will eat this lemon whole.
32:27 Rachel Cruze? No, you won't. That is horrible. Why?
32:30 George Kamel? You wanna do it on camera?
32:31 Rachel Cruze? You should.
32:32 George Kamel? I'll do it if you stick around to the end of the episode. At the end, I'm gonna eat this lemon rind.
32:37 George Kamel? To prove to Rachel that I'm a grown man.
32:39 Rachel Cruze? Oh, my gosh.
32:40 George Kamel? What is this, Fear Factor? I'm not eating a scorpion? It's a fruit from the Lord.
32:45 Rachel Cruze? It comes from a tree. Um, okay, I hate to say, I'm gonna go 6 out of 10.
32:51 George Kamel? I'm gonna go 7.5 out of 10. It's not something I would order, but if I had this at a party, I have zero complaints.
32:57 Rachel Cruze? Okay, that's fair.
32:57 George Kamel? All right, get the recipe in the show notes, give it a try this weekend, and eat the lemon if you're not a baby.
33:02 Rachel Cruze? All right, now it's time for
33:04 George Kamel? Guilty as charged.
33:06 Rachel Cruze? And this is where we ask each other a new guilty as charged question every week, and if we're guilty, we take a sip. Are you guilty of ever losing your cool in public?
33:15 George Kamel? Oh, boy. I'm trying to think of the last time I sort of had a Karen moment at a store. That's usually where it happens. It's a customer service exchange that is not going my way.
33:24 Rachel Cruze? Yes.
33:25 George Kamel? And they are being a little bit rude or incompetent.
33:28 Rachel Cruze? Mm-hmm, mm-hmm. What happened? Do you remember?
33:30 George Kamel? Um, I was trying to return a heater.
33:33 Rachel Cruze? Okay.
33:34 George Kamel? Like, an emergency heater, and there was like, oh, no, sales final on all emergency equipment, because after that big Nashville storm. But I was like, this is still in the box. This is not technically an emergency heater. You could use it for a lot of scenarios.
33:48 Rachel Cruze? Yes.
33:49 George Kamel? And so I fought the manager and then the manager's manager and they called the owner. And I was like, I'm giving you the product back. I just want the mon- just give me a store credit. So finally they agreed to give me a store credit if I wouldn't tell anyone this ever happened.
34:01 Rachel Cruze? Stop it.
34:01 George Kamel? So I just told America.
34:03 Rachel Cruze? Oh no, your disclosure.
34:05 George Kamel? So that was my, I think the employees were like, this guy's being a lot. What do we do? But I just, I was firm, I stood my ground. I was never rude and never, you know, raised my voice.
34:14 Rachel Cruze? Yep.
34:15 George Kamel? But I was staunch.
34:16 Rachel Cruze? Yes.
34:17 George Kamel? I was not your favorite customer.
34:18 Rachel Cruze? Not happy.
34:19 George Kamel? How about you? I can't imagine you having a public rage incident.
34:24 Rachel Cruze? I have two that came to mind though.
34:25 George Kamel? Whoa.
34:25 Rachel Cruze? One, I did not publicly do anything, but I think I was a little rude to the person at the store. We even left and I was, and I said, that woman was so rude. And when someone was like, I thought she was very helpful. And I was like, I was not happy. We were at the Apple store and we got told to wait at like a certain table. We waited for like 30 minutes and finally I was like, babe. And he was like, I know, let me go ask someone. So he went and asked like, oh no, you're not supposed to be there. You're supposed to be at the product table. I don't know. It was this whole thing and we'd been there, it was close to an hour.
34:52 George Kamel? Oh gosh.
34:53 Rachel Cruze? Yes, and it was packed. But still, I, and then the lady, I don't know. I just felt so, you know what I mean? When you leave a store, but I didn't do anything. But my one, the other one though, that I remember and I was like, oh my gosh. It was a, it was a driving moment. I'm merging onto the interstate and the car in front of me, it's still, this still bothers me, you guys. When you're on the, I think they call it like the ramp, the excel- like you're supposed to accelerate.
35:20 George Kamel? Yes.
35:21 Rachel Cruze? I call it the acceleration ramp. I don't know if that's what it's called, but that's what it is in my head. Cause you accelerate. This person was pumping their brakes and then.
35:30 George Kamel? While trying to merge onto the interstate?
35:32 Rachel Cruze? I mean, not yet, we're on the ramp. And I'm like, speed up, cause we're about to be on the interstate and you gotta, you gotta get over.
35:38 George Kamel? You gotta keep speed to kind of merge into the lane.
35:39 Rachel Cruze? Hundred percent. And it wasn't happening and I was like, okay, go, go. And then she wasn't merging. So I slowed down because I'm trying to get over. I finally get over. She comes, basically tries to like get in my lane. Cause she's so slow and I've already, oh. Finally she gets over and, and I just did one of these.
35:58 George Kamel? Oh, both hands up.
35:59 Rachel Cruze? What are you doing? What are you doing?
36:02 George Kamel? So you didn't do one finger, you did all the fingers.
36:04 Rachel Cruze? I did all the fingers, not one, I didn't do one finger. I did all the fingers. But I didn't know, I thought, maybe this is like a little elderly person. Do you know what I mean?
36:11 George Kamel? Get benefit of the doubt.
36:12 Rachel Cruze? That I love to take outside for the sun. You know what I mean? No, no, she was on her phone. And I just thought, you're irresponsible. You're irresponsible. Unbelievable. I was so mad and scared. You know, when they say fear, fear and anger can sometimes be very closely connected. That was me. I was a little scared because I almost wrecked and I almost had to pull over and then my Tesla.
36:35 George Kamel? Oh, my goodness.
36:36 Rachel Cruze? And I was like, ah. Just accelerate people. It's all we need to do. When you get on the interstate, you just gotta press the gas, not the brake. We're gonna go straight.
36:44 George Kamel? I have a fear of road rage because I just don't trust drivers in Tennessee.
36:47 Rachel Cruze? You're scared of someone else's road rage?
36:49 George Kamel? I'm scared someone else is willing to risk it all over road rage.
36:53 Rachel Cruze? See, and that's where.
36:54 George Kamel? That's where I'm like, I don't, I'm not gonna do it. I'm not gonna.
36:56 Rachel Cruze? Yeah, no, that's where I get over to the other lane.
36:58 George Kamel? Escalate the situation.
37:00 Rachel Cruze? No, no, no.
37:00 George Kamel? Especially if it's, if it's a truck. No, thank you.
37:04 Rachel Cruze? Scared of the truck.
37:05 George Kamel? Yeah, and the higher the truck.
37:07 Rachel Cruze? Scary of the man.
37:07 George Kamel? The less they have to risk. Okay. You say that. You know what I mean?
37:11 Rachel Cruze? Oh, my gosh. Well.
37:13 George Kamel? I feel you.
37:13 Rachel Cruze? I think we're guilty.
37:14 George Kamel? I'm nervous just thinking about it.
37:16 Rachel Cruze? I know. My gosh, crazy. But I'm generally a happy person.
37:23 George Kamel? I can't imagine you enraged.
37:24 Rachel Cruze? No.
37:25 George Kamel? 99.9% of the time, you are happy-go-lucky.
37:29 Rachel Cruze? I don't know about that, but, uh, but yeah, but thanks for all your guilty search questions, you guys. Make sure to DM us at Rachel Cruz and at George Campbell. We get them. We see them. We screenshot them and we send them to Jenna, our producer, and they make it in.
37:43 George Kamel? What she does with it, that's between her and God and the writers.
37:46 Rachel Cruze? Yeah, but we really do appreciate it. It helps us a lot.
37:48 George Kamel? You could probably pay us to then get yours like a fast pass.
37:51 Rachel Cruze? Oh.
37:52 George Kamel? You know what I mean?
37:52 Rachel Cruze? Wow, a little Starbucks gift card?
37:54 George Kamel? Yeah.
37:55 Rachel Cruze? Electronically through the DM.
37:56 George Kamel? Amazon gift card for Rachel.
37:57 Rachel Cruze? Don't do that.
37:58 George Kamel? No, I'm kidding. You can send those separately, but not, it's not gonna help your question.
38:03 Rachel Cruze? Yep. But if you enjoyed this episode, make sure to leave a review and check out our next episode. 10 jaw-dropping money stats about the average American.
38:11 George Kamel? That was a good one.
38:11 Rachel Cruze? 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. Cheers. You've got lemon juice.
38:22 George Kamel? Oh, that's right.
38:25 Rachel Cruze? Oh my. You want to spit it out so bad.
38:32 George Kamel? No.
38:34 George Kamel? It's delicious.
38:36 Rachel Cruze? I can't.
38:36 George Kamel? The bitterness with the sourness, it's like a Sour Patch Kid.
38:40 Rachel Cruze? George.
38:42 George Kamel? I'm telling you, there's nothing better.
38:44 Rachel Cruze? That is unbelievable. Do you eat that at home? Like, does Whitney cut you?
38:47 George Kamel? No, because I, my enamel is like rail thin.
38:50 Rachel Cruze? Okay, so you're really...
38:52 George Kamel? A rare moment.
38:53 Rachel Cruze? You really gave us your all. Well, we appreciate it.
38:59 Rachel Cruze? I mean, yeah, he just ate it. Okay, well, cheers.
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