Everyday Middle-Class Luxuries (That Are Low-Key Bougie)

📈 Are you on track with the Baby Steps? Get a free personalized plan. Anyone else feel like being middle class is making a comeback? In this episode, Rachel and George talk through why this is happening, plus invite you to play along as they react to the internet’s favorite “middle-class luxuries.” Next Steps: 🎥 Watch our video Things That Scream “I’m Pretending to Be Upper Class.” 🍸 Follow Smart Money Happy Hour on TikTok: smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! 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: 🥃 Hot Honey Strawberry Bourbon Smash Recipe: The G and M Kitchen 1 1/2 ounces bourbon 3 fresh sliced strawberries 1/2 ounce hot honey 2 basil leaves Instructions: Add the sliced strawberries and two basil leaves to a rocks glass. Top with 1/4–1/2 ounce of hot honey. Thoroughly muddle so that the strawberries are almost all liquid. Top with 1 1/2 ounces bourbon and ice and stir well. Stir thoroughly so that the muddled strawberries are well distributed and do not stay at the bottom of the glass. Garnish with fresh strawberries and more basil. 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?

  Today, we're talking ultimate middle-class luxuries according to the internet.

• 0:09Rachel Cruze?

  Ooh, this next one is a luxury and I heart it.

• 0:13George Kamel?

  That's why I'm scared to get into it. It's a gateway drug.

• 0:15Rachel Cruze?

  Yes, it kind of is.

• 0:17George Kamel?

  And to never have to touch the toilet again.

• 0:20Rachel Cruze?

  Could you imagine?

• 0:20George Kamel?

  Changed my life.

• 0:27Rachel Cruze?

  Hey guys, I'm Rachel Cruz.

• 0:28George Kamel?

  I'm George Kamel.

• 0:30Rachel Cruze?

  And this is

• 0:31George Kamel?

  Smart Money Happy Hour.

• 0:38Rachel Cruze?

  This is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money and honey, some hot honey in that drink.

• 0:48George Kamel?

  That's what's in here. That's right.

• 0:49Rachel Cruze?

  I want to cough, George, because it went on the back.

• 0:52George Kamel?

  A little spice.

• 0:52Rachel Cruze?

  It went on the back of my throat. It was terrible.

• 0:55George Kamel?

  You can cough. It's your show. We're just here for you.

• 0:57Rachel Cruze?

  Thank you.

• 0:58George Kamel?

  Take your time. Why are you trying to apologize?

• 1:01Rachel Cruze?

  I'm good. That's right.

• 1:01George Kamel?

  It's a natural human reaction.

• 1:03Rachel Cruze?

  You know, I run this world.

• 1:05George Kamel?

  Well, let's talk about what we're sipping on. It is a, you guessed correctly, hot honey strawberry bourbon smash.

• 1:12Rachel Cruze?

  Okay.

• 1:13George Kamel?

  Strawberry, if you're fancy. I said strawberry.

• 1:16Rachel Cruze?

  Strawberry. Strawberry. Oh yeah, strawberry.

• 1:19George Kamel?

  I'm not from a London, small town in London.

• 1:21Rachel Cruze?

  Strawberry.

• 1:22George Kamel?

  You can't have a, London is the town.

• 1:24Rachel Cruze?

  It's a small town.

• 1:25George Kamel?

  I was thinking of those little offshoots.

• 1:26Rachel Cruze?

  Yeah, yeah, yeah, like the holiday, like in a little

• 1:29George Kamel?

  Just like the holiday.

• 1:30Rachel Cruze?

  Just like a little cabin in the woods.

• 1:31George Kamel?

  Rachel's always

• 1:32Rachel Cruze?

  A little cobblestone farmhouse.

• 1:34George Kamel?

  One sentence away from a holiday reference. You're always right there.

• 1:37Rachel Cruze?

  Just right there. Cameron, Kate, and Rachel, you know.

• 1:42George Kamel?

  Is that the last character?

• 1:43Rachel Cruze?

  She's part of their crew. That was me. I'm the character.

• 1:45George Kamel?

  Oh, I was like, I don't remember her Rachel in that movie.

• 1:48Rachel Cruze?

  Very main character energy.

• 1:48George Kamel?

  Well, hey, if you want to know more about the hot honey strawberry bourbon smash, stick around till the end. We're going to give you a rating and reveal the cost per glass.

• 1:56Rachel Cruze?

  Okay, George, I feel like being like middle-class, if you will, like that phrase.

• 2:01George Kamel?

  So many air quotes.

• 2:02Rachel Cruze?

  Yeah, it's just like that phrase. It's kind of made a comeback. I feel like there's a lot of like middle-class fancy, like a lot of things nodding to the middle-class these days.

• 2:10George Kamel?

  Yeah, I feel like everyone's middle-class. Nobody is going like, oh, I'm upper-class or I'm lower. Everyone just feels like they're kind of stuck in this widening middle-class or it's disappearing. It's either widening or disappearing. We don't know.

• 2:22Rachel Cruze?

  And don't you feel like as millennials, we were raised in the middle-class? I feel like everything, when you go back to like the 90s. It's just like solid. I feel like we were like the OGs of it, you know?

• 2:31George Kamel?

  Well, then you have like lower middle class, you have middle class and you have upper middle class.

• 2:34Rachel Cruze?

  Yeah.

• 2:35George Kamel?

  So it's a pretty wide range. And remember like 2012, we were all posting pics of like spilled coffee on outdated kitchen countertops with hashtag relatable. I, I, what's more relatable than the Hefe filter on Instagram? That's what I want, the time I want to go back to.

• 2:48Rachel Cruze?

  I miss the, oh, yes.

• 2:50George Kamel?

  We just weren't, we were like, here's a picture of my salad and I'm proud of it.

• 2:53Rachel Cruze?

  I know.

• 2:54George Kamel?

  And here's a terrible filter to cover it up.

• 2:56Rachel Cruze?

  It's just the easy days.

• 2:57George Kamel?

  And you'd get like seven likes and you're like, woo. Now, if you don't get 10 likes within the first 10 minutes, you delete it.

• 3:03Rachel Cruze?

  You do?

• 3:03George Kamel?

  Cause it's cringe. I don't. I'm just saying that's the new generation.

• 3:06Rachel Cruze?

  Oh, okay. Yeah.

• 3:07George Kamel?

  They have to like test out material.

• 3:09Rachel Cruze?

  Yeah, yeah.

• 3:10George Kamel?

  You're not taking it on the road. Just post it. Set it and forget it.

• 3:13Rachel Cruze?

  Set it and forget it. But yeah, the middle class way of living though, again, when you look back, I just feel like from like a stereotype, like that's how we were in the nineties, from like the size of houses that we all grew up in, uh, the food we ate, like everything about it was just like great.

• 3:32George Kamel?

  I do miss it. And I don't know if it's because we weren't as like tech addicted yet.

• 3:36Rachel Cruze?

  Yeah.

• 3:36George Kamel?

  So just feel like we were more connected to reality.

• 3:38Rachel Cruze?

  Yep. So there's also not just on social media, some buzz around the middle class, but also in the news, I feel like it's talked about a lot. And the question is, you know, is it shrinking? Is the middle class shrinking? Is it disappearing completely? And what do middle class earners and voters want? So like, it's a big push, right? Cause it's a big part of the US population.

• 3:58George Kamel?

  And whose job is it to define it? We don't know, but we do have some data that can help. This is from a CNBC article uh, that published an analysis of the recent US Census Bureau data, and it listed the middle class income range in every state. So let me throw some out there. Here's some approximate data from that article. Don't hold me to it. Tennessee, this is where we are, middle class income range is between 45 grand and 135 grand.

• 4:21Rachel Cruze?

  It's a big range.

• 4:22George Kamel?

  That's quite a different life you're leading.

• 4:24Rachel Cruze?

  Yeah.

• 4:24George Kamel?

  You're on the 45 end versus 135 end.

• 4:26Rachel Cruze?

  Yeah.

• 4:27George Kamel?

  The median household income, a little over 67 grand.

• 4:30Rachel Cruze?

  Okay. So for New York, middle class income range is 54,700 to 164,200. And the median household income is 82,000.

• 4:42George Kamel?

  Interesting.

• 4:43Rachel Cruze?

  Yeah.

• 4:43George Kamel?

  It's not that much more than Tennessee, which is shocking.

• 4:46Rachel Cruze?

  Yeah.

• 4:46George Kamel?

  Now let's try Mississippi. Say what you will about it. Middle-class income range, 36 grand to 108 grand. Median household income, $54,000.

• 4:57Rachel Cruze?

  Yeah, okay, California, I got the expensive states.

• 4:59George Kamel?

  You're welcome.

• 5:00Rachel Cruze?

  Ready for this, middle-class income range is 63,700 to 191,000.

• 5:06George Kamel?

  Okay, that's, now we're getting somewhere.

• 5:08Rachel Cruze?

  And then median household income in California, 95,500.

• 5:13George Kamel?

  That tracks.

• 5:14Rachel Cruze?

  Yeah.

• 5:14George Kamel?

  I feel like six figures in California.

• 5:16Rachel Cruze?

  You gotta have.

• 5:17George Kamel?

  Is a necessity at this point, for most parts.

• 5:19Rachel Cruze?

  To live, yes.

• 5:20George Kamel?

  All right, and then Utah, to round it out. Middle-class income range, 62 grand to 186 grand. Median household income, 93 grand.

• 5:28Rachel Cruze?

  Which is a lot.

• 5:29George Kamel?

  That's high. I guess Utah's gotten, did I not, is it the?

• 5:31Rachel Cruze?

  You got all the influencers, y'all.

• 5:32George Kamel?

  Is it the Mormon wives? Is that what caused this?

• 5:34Rachel Cruze?

  All the influencers are there, and they're making bank. They're raising that median household income.

• 5:38George Kamel?

  They're raising the entire lifestyle of Utah.

• 5:40Rachel Cruze?

  I believe it.

• 5:41George Kamel?

  And I guess all the tourism and ski slopes, I don't know what's out there.

• 5:44Rachel Cruze?

  Yeah.

• 5:45George Kamel?

  Mountains and stuff.

• 5:45Rachel Cruze?

  There are mountains and stuff.

• 5:46George Kamel?

  I'm not going there, it's too high for me. I'm gonna stay at sea level.

• 5:50Rachel Cruze?

  Sea level, yeah. Now, if someone called in the Ramsey Show, George, and what if they were panicking and being like, "Oh, my gosh, the middle class is extinct, like, it's going away." You're either, like, lower or upper, and like, the in-between is just, it's not happening anymore. What would you say? Like, how would you, like?

• 6:05George Kamel?

  Well, I get to the heart behind that, because I think behind all of that is a fear that everyone else is doing better than they are, and they'll never get there.

• 6:13Rachel Cruze?

  Yes.

• 6:14George Kamel?

  So then I would go, "Okay, what are the facts that actually prove that? Are there any? Are you actually doing great, and you're just in crippling debt? And is it bad to be middle-class? You know, we can kinda hate on it and go, "Well, you're, that's middle-class." But middle-class, you saw the range. If you're making 135 grand.

• 6:29Rachel Cruze?

  Right.

• 6:29George Kamel?

  In most states, you can have a great life if you're not in crippling debt.

• 6:33Rachel Cruze?

  Yes.

• 6:33George Kamel?

  And so I would say, "What's the heart behind this?" And let go of some of this, like, "I have to be upper-class." Because the goalpost keeps moving.

• 6:40Rachel Cruze?

  I know, well, and it feels like, if you watch on social media, that everyone feels upper-class. I feel like you see, like, vacations, and houses, and kitchens, and... Cars and lifestyle, it's just like it's in your face constantly. The upper is, I feel like.

• 6:54George Kamel?

  Yeah.

• 6:54Rachel Cruze?

  Like, I feel like you just like see people boarding private jets and it's just like another squirrel.

• 6:58George Kamel?

  That's

• 6:59Rachel Cruze?

  Right, and you're like

• 6:59George Kamel?

  An infinite ceiling to what upper class is. That's like billionaires down to if you make 136 grand in my state, you're now upper class.

• 7:06Rachel Cruze?

  Right.

• 7:06George Kamel?

  Versus 135. So I think we need to let go of these like boxes

• 7:10Rachel Cruze?

  Yeah, yeah, yeah.

• 7:11George Kamel?

  That we're trying to put ourselves in.

• 7:12Rachel Cruze?

  No, that's good.

• 7:12George Kamel?

  And just focus on getting better with our money.

• 7:14Rachel Cruze?

  I love it. Okay. So, our team had a little fun, George. They pulled together a list of what the internet considers middle-class luxuries.

• 7:23George Kamel?

  Ooh, okay, so let's go through the list. We're gonna share our honest, unfiltered reactions and confess if we pay for these luxuries or we've learned to survive without them like our ancestors.

• 7:33Rachel Cruze?

  Okay.

• 7:34George Kamel?

  You know?

• 7:34Rachel Cruze?

  I love it. Alright.

• 7:36George Kamel?

  So play along.

• 7:37Rachel Cruze?

  First up, having spare items. So sunglasses, like one in a beach bag, one in the car, one in a purse. Phone chargers in every room.

• 7:46George Kamel?

  Yep.

• 7:47Rachel Cruze?

  A Stanley cup in your car, at the office, on the nightstand, in the kitchen, all the things.

• 7:51George Kamel?

  So many Stanleys.

• 7:52Rachel Cruze?

  So having spare items.

• 7:53George Kamel?

  I didn't do this intentionally, but now I'm realizing I love having spare items.

• 7:57Rachel Cruze?

  Yes, I know.

• 7:58George Kamel?

  Like, I wanna walk to the kitchen, have a phone charger there.

• 8:01Rachel Cruze?

  I know.

• 8:01George Kamel?

  One in the room, one in the car. Same with sunglasses. I have some in my bag, I have one in the car.

• 8:06Rachel Cruze?

  Okay, yeah, I have multiple pairs of sunglasses and, but I don't have like, they're not in specific places all the time, so I lose them, meaning like

• 8:13George Kamel?

  Oh boy.

• 8:14Rachel Cruze?

  I'll look in my purse and there'll be like three pairs, and I'm like, oh.

• 8:16George Kamel?

  You've been collecting them accidentally.

• 8:18Rachel Cruze?

  Yes, and then they just like end up. So, the spare items, yeah, I'm guilty of that. I'm guilty, yes.

• 8:24George Kamel?

  I do have some travel stuff too, like I take this stuff when I travel, so that it's ready.

• 8:29Rachel Cruze?

  Yes.

• 8:29George Kamel?

  You know, toiletries, for example.

• 8:31Rachel Cruze?

  Yep.

• 8:31George Kamel?

  Have an extra in the toiletry bag instead of having to move it all.

• 8:34Rachel Cruze?

  Cause that's so much work.

• 8:36George Kamel?

  It's just less brain calories. I think as I've gotten older, I'm just more forgetful.

• 8:39Rachel Cruze?

  Yep, yep.

• 8:40George Kamel?

  And so having everything

• 8:41Rachel Cruze?

  And, these don't have to cost a lot too, which is great.

• 8:43George Kamel?

  Yeah.

• 8:44Rachel Cruze?

  Like, it's not expensive sunglasses.

• 8:45George Kamel?

  A phone charger, don't at me for that one, guys.

• 8:47Rachel Cruze?

  Come on, people.

• 8:48George Kamel?

  Okay, next up, hiring professionals for routine household chores.

• 8:52Rachel Cruze?

  Oh.

• 8:52George Kamel?

  That is a luxury for sure, so let's go through these. House cleaner.

• 8:56Rachel Cruze?

  Okay.

• 8:57George Kamel?

  That's a good one. Landscapers and lawn care.

• 8:59Rachel Cruze?

  Okay.

• 8:59George Kamel?

  Absolutely. Window washer.

• 9:02Rachel Cruze?

  Oh, yeah.

• 9:03George Kamel?

  Gutter cleaner.

• 9:04Rachel Cruze?

  Yeah.

• 9:05George Kamel?

  Painters.

• 9:06Rachel Cruze?

  Yeah.

• 9:07George Kamel?

  And I guess any other service that you don't wanna DIY.

• 9:10Rachel Cruze?

  Oh, man.

• 9:11George Kamel?

  I'm guilty of at least the first two.

• 9:14Rachel Cruze?

  Yeah.

• 9:15George Kamel?

  A few years ago, we decided to try out the house cleaner life. We do it just once a month, but it changed everything in our marriage. Because now we don't have to fight over who's gonna get the grout in the shower this time.

• 9:25Rachel Cruze?

  Yeah, I know. Right. It is nice to have a deep clean done. You just feel refreshed.

• 9:31George Kamel?

  Yes, and you're buying your time. And so as we've gotten to a better place financially, it's great to buy our time back. Stuff like that's worth it. Same with landscaping and lawn care.

• 9:40Rachel Cruze?

  So Winston sold his lawnmower. We moved to our house.

• 9:43George Kamel?

  Did he have like a zero turn?

• 9:45Rachel Cruze?

  Well, he started off with a push.

• 9:47George Kamel?

  As we all do.

• 9:48Rachel Cruze?

  And then he upgraded.

• 9:49George Kamel?

  That's why I'm scared to get into it. It's a gateway drug.

• 9:51Rachel Cruze?

  Yes, it kind of is.

• 9:53George Kamel?

  To get into lawn mowing.

• 9:54Rachel Cruze?

  Yeah.

• 9:54George Kamel?

  Because I'm like, well, I could do it half the time if I had the zero turn. It's only, yeah, it's an investment.

• 9:59Rachel Cruze?

  Yeah. But other things he'll do, um, rocks, you know?

• 10:04George Kamel?

  He's a big rock guy. I learned that about him.

• 10:07Rachel Cruze?

  But he'll like go to Home Depot and buy things, plant things. Like, he does a lot of like, we do have a lawn service that'll come, so I will definitely give them credit. But Winston will do yard stuff. And it is funny, like, how many people in our neighborhood don't, you know? And again, not that it's a wrong thing, but I saw a guy that we know, one of our neighbors, and he like had mulch in the back of his truck, and he was like, mulch in the yard, which is what we, we did all the time, you know? But I'm like, gosh, good for you. There was something about it that I was like.

• 10:35George Kamel?

  That he's doing the work.

• 10:36Rachel Cruze?

  Yeah, yeah. I don't know.

• 10:38George Kamel?

  I actually re-mulched very recently. And I thought, like, I could go to Lowe's.

• 10:43Rachel Cruze?

  It's tough.

• 10:43George Kamel?

  Just start. But then I thought, or I could just text a guy, and they just showed up, and it was beautiful. They pulled the weeds, they trimmed the bushes and the hedges.

• 10:53Rachel Cruze?

  They do a good job. They know what they're doing. And like, people that don't know what they're doing.

• 10:57George Kamel?

  And I was happy to pay that invoice. And it really wasn't that much. I was like, for what it would have taken me, and I probably would have missed a few bags that I needed and had to go back.

• 11:05Rachel Cruze?

  Yes.

• 11:06George Kamel?

  So I thought, let someone do it right the first time who's good at it and hopefully enjoys it.

• 11:09Rachel Cruze?

  No, I hear you.

• 11:10George Kamel?

  And then I have not done window washing or gutter cleaning. Maybe I should.

• 11:13Rachel Cruze?

  I know.

• 11:14George Kamel?

  Is this my sign? Have you ever done like the dryer vent cleaning? I always get those flyers in the mail.

• 11:18Rachel Cruze?

  No.

• 11:19George Kamel?

  Like, your house is about to be on fire. Clean your vents.

• 11:21Rachel Cruze?

  Yeah, isn't it, where you just lift it up and you just?

• 11:23George Kamel?

  Well, it's all the way through. All the way, they'll like, yeah.

• 11:27Rachel Cruze?

  Oh geez. See, it's that stuff that I don't know anything about.

• 11:29George Kamel?

  Because all the lint will go further down. It can cause a fire eventually. I know.

• 11:33Rachel Cruze?

  How much do I pay those guys?

• 11:35George Kamel?

  I don't know. A hundred bucks for a vent cleaning, maybe? Hundred fifty bucks? That's the thing, they prey on the fears of people like me. I haven't done it, though, so.

• 11:44Rachel Cruze?

  Well, there you go, you haven't fallen for it.

• 11:45George Kamel?

  And then painting, I don't know what it is, I just don't enjoy it. I know it's

• 11:49Rachel Cruze?

  It's hard.

• 11:49George Kamel?

  an easier one for the average person to do.

• 11:51Rachel Cruze?

  Sure, yes, we can all get a paintbrush out. But also, if you don't know what you're doing, an extra swipe or two in the same spot.

• 12:00George Kamel?

  I want it to look nice and clean.

• 12:01Rachel Cruze?

  Yeah, but you can do that one, I think that's definitely a doable one.

• 12:04George Kamel?

  That's a good one.

• 12:04Rachel Cruze?

  All right, next, thermostat freedom. Setting the thermostat to any comfortable temp without thinking.

• 12:10George Kamel?

  Oh, I think this one was because of trauma growing up. Where like, if you touched the thermostat, my dad knew. He could be out of town, and he would be calling, like, who touched the thermostat?

• 12:20Rachel Cruze?

  Like, who did this? I didn't know how thermostats worked growing up, like, as a kid.

• 12:25George Kamel?

  What do you mean?

• 12:25Rachel Cruze?

  Well, because I would be cold, and I would just like, turn it up to like, 86.

• 12:30George Kamel?

  Thinking it would heat up faster?

• 12:31Rachel Cruze?

  Yes.

• 12:32George Kamel?

  Do you know you turn it on heat first, right?

• 12:34Rachel Cruze?

  As a child, this is what I would do though. I don't know, I don't remember, but I remember my mom and dad having to sit me down and be like, "Stop messing with the thermostat." Our house was 86 degrees. And like, I guess we had left to go somewhere, came back, and they were like, "Oh, my gosh."

• 12:49George Kamel?

  It was just boiling in there?

• 12:50Rachel Cruze?

  Yeah.

• 12:50George Kamel?

  Because you didn't understand temperature?

• 12:52Rachel Cruze?

  I guess, because here's another thing, Winston taught me this when we were dating. Are you ready for this? I never knew what the auto button in your car meant with the air conditioning. I grew up with, and my sister still does this, you just turn it up to like, 92 degrees in your car when it's cold out. And then, once it gets hot, you just turn down the fan blowing, but you keep it hot. Does that make sense?

• 13:19George Kamel?

  Instead of putting it on cool?

• 13:21Rachel Cruze?

  Instead of like, putting it at like, 74, 72, and then pressing auto. The auto, yeah. Do you press the auto in your car?

• 13:29George Kamel?

  Um, I don't think I do. I have very specific needs.

• 13:32Rachel Cruze?

  Okay, so you're like-

• 13:33George Kamel?

  I can't trust auto to know what my needs are as a man.

• 13:36Rachel Cruze?

  I know, but do you want your car at like, 72 degrees, though? Regardless of if it's hot or cold out, right? Like-

• 13:42George Kamel?

  Hmm, if it's real hot, I'll bump it all the way down to low, and I'll just crank it.

• 13:46Rachel Cruze?

  That's my sister, okay. I use, do you all use auto? I now-

• 13:51Rachel Cruze?

  Wow, no auto people.

• 13:52George Kamel?

  I want that car to be working as hard as I am.

• 13:53Rachel Cruze?

  That's an auto, okay.

• 13:54George Kamel?

  You know what I mean? If I'm breaking a sweat, my car should be too.

• 13:57Rachel Cruze?

  Anyways, that was a way of looking at temperature for me that I didn't know. Winston taught me the auto button and now I never forget. I always, I use it every day.

• 14:05George Kamel?

  I should try it out more.

• 14:06Rachel Cruze?

  I know, but people like you and my sister, they just crank down or up depending on like...

• 14:11George Kamel?

  But it is a luxury, I will say. Like, I get the electric bill and it shows you how much was used for, you know, HVAC worth it.

• 14:17Rachel Cruze?

  Do you turn yours like up or down when you like leave, when you leave?

• 14:19George Kamel?

  Um, I don't, I do have the smart, so yeah, there is the away mode.

• 14:22Rachel Cruze?

  Yeah.

• 14:23George Kamel?

  So if we're going out for a significant period of time.

• 14:25Rachel Cruze?

  Yeah.

• 14:26George Kamel?

  But I don't want it to like have to work really hard to cool down again if we were gone for a few hours.

• 14:29Rachel Cruze?

  Yeah.

• 14:30George Kamel?

  So I usually keep it at a reasonable temperature.

• 14:32Rachel Cruze?

  Yeah.

• 14:32George Kamel?

  But I'm also, now that we have a baby, I've realized I've lost control again.

• 14:35Rachel Cruze?

  Oh no, why?

• 14:36George Kamel?

  Cause every time I bump it down, she's like, "You're gonna freeze the baby." You know her room gets colder than in the house than ours does.

• 14:42Rachel Cruze?

  Oh yeah, if it's not like, yes.

• 14:44George Kamel?

  It's not well ventilated.

• 14:45Rachel Cruze?

  Yeah.

• 14:46George Kamel?

  So her room does get colder and poor little Mia.

• 14:49Rachel Cruze?

  Sweet little girl.

• 14:50George Kamel?

  Apparently 68 is enough to freeze a baby. Did you know that?

• 14:54Rachel Cruze?

  Oh my gosh.

• 14:56George Kamel?

  That's a good one. That is a luxury though.

• 14:57Rachel Cruze?

  Oh, God bless.

• 14:58George Kamel?

  As an adult, when your parents aren't around, to be like, "Take that dad."

• 15:01Rachel Cruze?

  Take that. I'm gonna just bump it up.

• 15:03George Kamel?

  Hand for my own AC.

• 15:04Rachel Cruze?

  Bump it up.

• 15:05George Kamel?

  Next up, ad-free streaming subscriptions.

• 15:08Rachel Cruze?

  Wow.

• 15:08George Kamel?

  Keyword "ad-free." Are you willing to splurge?

• 15:13George Kamel?

  Spotify, Netflix, Prime Video, Hulu.

• 15:17Rachel Cruze?

  Okay, so for TV, yes, subscriptions are different. Music and YouTube, no.

• 15:23George Kamel?

  Wait.

• 15:24Rachel Cruze?

  Sorry, YouTube.

• 15:25George Kamel?

  You have Spotify with ads?

• 15:26Rachel Cruze?

  No, well, just recently, George, in the last like, maybe three months, I bought a subscription.

• 15:34George Kamel?

  To what? Spotify?

• 15:36Rachel Cruze?

  Spotify, yeah.

• 15:36George Kamel?

  Are you listening to that much music these days?

• 15:38Rachel Cruze?

  Well, I do podcasts too.

• 15:40George Kamel?

  Oh, that makes sense.

• 15:41Rachel Cruze?

  And then we are, we are doing music now that we have our pool, like we're outside a lot.

• 15:46George Kamel?

  Rocking a playlist?

• 15:47Rachel Cruze?

  And we put some speakers, yes, and the kids like want music. How about you?

• 15:49George Kamel?

  Ad-free. The most recent one is YouTube Premium.

• 15:54Rachel Cruze?

  Okay, that's a big deal.

• 15:55George Kamel?

  Because I watch a lot of YouTube clips, I realized.

• 15:57Rachel Cruze?

  Yeah.

• 15:57George Kamel?

  And having to watch ads, once you experience it ad-free, there's no going back.

• 16:02Rachel Cruze?

  Yeah, you're done.

• 16:03George Kamel?

  And that's a real expensive one. I think it's like 18 bucks a month for YouTube Premium.

• 16:06Rachel Cruze?

  Is that part of YouTube TV?

• 16:07George Kamel?

  No, so that's different. YouTube TV is like 83 bucks a month now.

• 16:10Rachel Cruze?

  Okay.

• 16:11George Kamel?

  But we quit that one.

• 16:12Rachel Cruze?

  But if you get YouTube TV, you don't get, you quit YouTube TV?

• 16:15George Kamel?

  Yeah.

• 16:15Rachel Cruze?

  How do you watch TV?

• 16:16George Kamel?

  I don't.

• 16:18Rachel Cruze?

  No way. You don't have any like just channels like.

• 16:20George Kamel?

  There's no shows that are like on TV that I would want to watch.

• 16:24Rachel Cruze?

  How about Wheel of Fortune?

• 16:25George Kamel?

  I've never sat down and went, you know what I wish we could watch right now? Some Wheel of Fortune.

• 16:29Rachel Cruze?

  We say that every night about six. We can't wait.

• 16:31George Kamel?

  Six thirty, the cruises gather round.

• 16:33Rachel Cruze?

  We love Wheel of Fortune. And then now it's the season of American Idol. So American Idol comes on right after. My girls haven't seen that. And so they were like, huh, what is this, mom? And so they like wanted to watch.

• 16:43George Kamel?

  Wow.

• 16:44Rachel Cruze?

  I know. So I was like, oh, my gosh.

• 16:45George Kamel?

  That's a middle class luxury right there.

• 16:47Rachel Cruze?

  Crazy. But yeah, YouTube TV.

• 16:48George Kamel?

  Keeping American Idol relevant.

• 16:50Rachel Cruze?

  We got rid of our Comcast though. George, you'd be proud.

• 16:52George Kamel?

  What do you mean you got rid of your Comcast?

• 16:53Rachel Cruze?

  We had Comcast cable till like.

• 16:55George Kamel?

  Oh, you had normal cable?

• 16:56Rachel Cruze?

  Yeah, yes.

• 16:57George Kamel?

  Traditional cable.

• 16:58Rachel Cruze?

  DVR and everything.

• 16:59George Kamel?

  And you cut the cord, as they say.

• 17:01Rachel Cruze?

  We cut the cable.

• 17:02George Kamel?

  Proud of you guys.

• 17:03Rachel Cruze?

  And we got YouTube TV instead.

• 17:04George Kamel?

  Wow. I'm surprised you were able to cancel Comcast. Some people go to the grave.

• 17:07Rachel Cruze?

  It's.

• 17:08George Kamel?

  Unable to cancel Comcast.

• 17:10Rachel Cruze?

  It was tough. It was multiple phone calls, I think, going through multiple people. But it happens.

• 17:14George Kamel?

  I bet Winston had a real, you know, strong arm to get him to do it.

• 17:17Rachel Cruze?

  I know, I know.

• 17:18George Kamel?

  That is a good one. And these are usually, you know, they can range from six bucks to 12 bucks to 18 bucks to YouTube TV is insane, but.

• 17:25Rachel Cruze?

  Yep.

• 17:25George Kamel?

  Ad free streaming is a game changer. If you hate the commercials. Now, weather apps, this is one. I have the Weather Channel app. And the stupid Candy Crush ads pop up. I'm like, we're in the middle of a severe storm threat here. Can you take this seriously, Weather Channel? It's not a game.

• 17:40Rachel Cruze?

  When did that start though? Recently, I feel like. It's like they haven't had ads for, it's like bad. It's a lot.

• 17:46George Kamel?

  They have to make money too.

• 17:48Rachel Cruze?

  I'm just looking at the daily weather. It's all I need. And they're like plumbing service. I'm like, I don't know.

• 17:52George Kamel?

  And you have to find a tiny X and it won't appear for the first like five seconds. Drives me crazy.

• 17:57Rachel Cruze?

  What a, what a rough life we have. What a rough life we have. You know, one subscription though that I would pay for, because it is so worth it. Delete me.

• 18:06George Kamel?

  Hundred percent. That's not even a luxury. It's a necessity in my life.

• 18:10Rachel Cruze?

  Yeah. Because if you don't realize it, if your data is out on the internet, you guys, it's like a billboard with your name. Your address, your email address, your kids' names, your phone number, like everything about you's out there. And this is what really grinds my gears, George, is people, businesses out there, go to collect your data and then sell your data.

• 18:28George Kamel?

  Oh, yeah.

• 18:28Rachel Cruze?

  To other people and they make the money. I'm like, you're making money off of my data. What are you doing? So Delete Me is great because what happens is those data brokers, like you could be set up for phishing and harassment. Like the scams these days are so good.

• 18:40George Kamel?

  Oh, all the AI and technology.

• 18:43Rachel Cruze?

  Yeah, so Delete Me.

• 18:44George Kamel?

  They can do more of it at a much higher level.

• 18:45Rachel Cruze?

  That's right. So they go in and remove your information and it's beautiful. They send you a report. And see, how many hours are you up to?

• 18:51George Kamel?

  Ninety-four. I just got mine a few days ago.

• 18:54Rachel Cruze?

  Okay, good for you.

• 18:55George Kamel?

  I love a new report. It's like Christmas morning.

• 18:57Rachel Cruze?

  You're like, this is so great.

• 18:58George Kamel?

  I open it, I'm like, oh, what sites am I not on anymore? This is so wonderful.

• 19:02Rachel Cruze?

  It's so good.

• 19:03George Kamel?

  And it's real people on their team that are going in and doing this manually. So saves you a ton of time. It's not reactionary. They're proactively doing this all year long. And they're giving our Smart Money Happy Hour listeners and viewers a sweet discount. Twenty percent off the annual plans, which comes out to about nine bucks a month for the individual plan. And again, it's a necessity at the Camel House. So go to joindelete.me/smartmoney to get the discount or click the link in the description below.

• 19:27Rachel Cruze?

  Beautiful. All right, here's another middle-class luxury, the deep freeze.

• 19:32George Kamel?

  What makes it deep?

• 19:33Rachel Cruze?

  The, it's deep.

• 19:35George Kamel?

  How deep you reach into it versus like a...

• 19:37Rachel Cruze?

  It's on the ground and you like lift it up and it's like, yeah, yeah, yeah, deep freezer. Deep freezer.

• 19:41George Kamel?

  Okay, I just didn't know. I didn't, no one teaches you, they don't teach you this stuff in school.

• 19:45Rachel Cruze?

  Yeah, so people put like extra meat in there, if you will. Um, but it is, it's, it's a, it's one that was like, growing up, if you had the refrigerator in the garage, the drink fridge. It was like a big deal, like you were rich.

• 19:59George Kamel?

  Yeah.

• 19:59Rachel Cruze?

  In my book.

• 20:00George Kamel?

  Hundred percent.

• 20:00Rachel Cruze?

  Um, and the deep freeze, yeah.

• 20:02George Kamel?

  Do you have one?

• 20:03Rachel Cruze?

  We, yeah, I would consider it. It's like in a side closet around, like it's not in the garage.

• 20:09George Kamel?

  Oh, okay.

• 20:10Rachel Cruze?

  But, yeah.

• 20:11George Kamel?

  Your closet freezer.

• 20:12Rachel Cruze?

  Closet freezer, I know.

• 20:13George Kamel?

  You also have a closet sauna.

• 20:14Rachel Cruze?

  It's tough.

• 20:15George Kamel?

  How many closets are being used for non-closet activities?

• 20:19Rachel Cruze?

  That's a good question. We probably didn't, because when we built our house, Winston went in and he was like, any staircase, build a closet underneath it, build a closet underneath it. Like, so literally we have all this like ran-

• 20:29George Kamel?

  Cause dead space under there.

• 20:30Rachel Cruze?

  Yeah, and he's like, it's just drywall, which is inexpensive. So just go ahead and like make it a space. And now we just find little nooks to use things with, you know?

• 20:37George Kamel?

  I love it. Well, we, we got one, uh, once we had a baby. For like the breast milk back stock.

• 20:42Rachel Cruze?

  Oh, yes.

• 20:43George Kamel?

  So that's what it was used for.

• 20:44Rachel Cruze?

  What are you used for now?

• 20:45George Kamel?

  Now, can I tell you what's in there currently?

• 20:47Rachel Cruze?

  Yeah.

• 20:48George Kamel?

  Lot of pints of ice cream.

• 20:50Rachel Cruze?

  Mmm.

• 20:51George Kamel?

  And Jennies came out with new ice cream bars. Stocked up on those too.

• 20:54Rachel Cruze?

  So good.

• 20:55George Kamel?

  Under the guise of this is for my pregnant wife.

• 20:57Rachel Cruze?

  A hundred percent.

• 20:58George Kamel?

  But really, your boy might grab a bite.

• 21:01Rachel Cruze?

  Where do you buy your ice cream?

• 21:03George Kamel?

  Uh, it depends on what I'm looking for and who has the best price. So can I tell you my hack though?

• 21:07Rachel Cruze?

  Yeah.

• 21:08George Kamel?

  I will go to the Instacart app.

• 21:10Rachel Cruze?

  Yeah.

• 21:11George Kamel?

  And I will search across the app for the ice cream I'm looking for. And then I'll see who has the best price. But I'm very, very specific ice cream needs, as you know. I'm not just buying any ice cream on sale.

• 21:20Rachel Cruze?

  You have the needs because you're picky or because of your stomach?

• 21:22George Kamel?

  I'm picky with my quality of ice cream.

• 21:24Rachel Cruze?

  Yeah, not because of your gluten stuff.

• 21:25George Kamel?

  No, but that is, that is, I found one recently, actually this weekend. I went to, um, the grocery store to find one that has a gluten-free cookie dough ice cream.

• 21:36Rachel Cruze?

  Oh.

• 21:37George Kamel?

  Because I keep getting this ad, I was influenced. I keep getting this ad on Instagram and it's like, you're gluten-free because you're weak. Here's some cookie dough ice cream. Because you haven't had it in a decade. I'm like, yes.

• 21:47Rachel Cruze?

  Oh, my gosh, that's so good. Okay.

• 21:49George Kamel?

  And I went and found it.

• 21:49Rachel Cruze?

  Ooh, this next one is a luxury and I heart it.

• 21:54George Kamel?

  Hit me.

• 21:55Rachel Cruze?

  Heated car seats. Not like baby car seats, but like the seats in your car? When they can be heated?

• 22:01George Kamel?

  I don't think any of our cars growing up had any of those features.

• 22:04Rachel Cruze?

  No.

• 22:04George Kamel?

  My dad would buy the most standard vehicle possible.

• 22:07Rachel Cruze?

  I don't think they were like invented then. Like, I wonder when like heated seats became a thing.

• 22:11George Kamel?

  I feel like it's gotta be early 2000s they had figured it out.

• 22:14Rachel Cruze?

  Yeah.

• 22:15George Kamel?

  On like the luxury cars.

• 22:16Rachel Cruze?

  Yeah.

• 22:16George Kamel?

  Now it's pretty standard on like a slightly premium package for any car.

• 22:21Rachel Cruze?

  Yeah, totally.

• 22:21George Kamel?

  You can get the heated seats.

• 22:23Rachel Cruze?

  Oh, my gosh.

• 22:24George Kamel?

  That is a game changer.

• 22:25Rachel Cruze?

  Now, super bougie if it cools. Have you seen those?

• 22:27George Kamel?

  The cooling seats I'm excited about for a Tennessee summer, one day.

• 22:31Rachel Cruze?

  Bougie.

• 22:32George Kamel?

  What is that? Now, we're, we both have, uh, Teslas.

• 22:34Rachel Cruze?

  Uh huh.

• 22:35George Kamel?

  So when I got my Tesla, it's a 2013, but it still has like the app and I can control it with the app. That blew my mind.

• 22:42Rachel Cruze?

  Okay, I didn't know about this either. Someone just taught me this like a few weeks ago, that you can set the Tesla, the, the, the temperature you want in it. And when you get in, it's like set for you.

• 22:51George Kamel?

  You, someone just told you this?

• 22:53Rachel Cruze?

  Yeah.

• 22:55George Kamel?

  What have you been doing all these years?

• 22:56Rachel Cruze?

  I just use it as my key.

• 23:00George Kamel?

  No, I will use it if it's in the parking lot and it's cold out, I'll like get it all warmed up. I'll get the air blowing.

• 23:05Rachel Cruze?

  Yes, okay, how, how, when do you do it? Like, and how long does it take you from when you do it to when you're gonna get in the car?

• 23:12George Kamel?

  I'd say five minutes is plenty of time.

• 23:13Rachel Cruze?

  Oh, okay, okay.

• 23:15George Kamel?

  Or if it's a hot day, I'll get the air on in there so when I walk in the car, it's not steaming.

• 23:19Rachel Cruze?

  Now, that is, that's technology.

• 23:21George Kamel?

  That is luxury.

• 23:22Rachel Cruze?

  Luxury and just technology, it's a smart car. That's what we're driving, George, we're driving a computer.

• 23:26George Kamel?

  So if you're getting a little antsy out there, here's some financial advice. Don't just go buy a car because of some fancy features and go into debt for it. And these salespeople will sell you on every little feature and how it's gonna change your life. And they're great features, but if you're gonna do this, buy used, buy in cash, do not go into debt for it. Unless you're a net worth millionaire, in which case you can take the hit, go have fun, pay cash for the car still, get you that luxury car.

• 23:51Rachel Cruze?

  Where we're buying our van, the ultimate like luxury package of the van had a heated steering wheel.

• 23:56George Kamel?

  Oh.

• 23:56Rachel Cruze?

  I know, and that's really what I wanted.

• 23:58George Kamel?

  My wife's car has the heated steering wheel, and it is nice on a cold day, it's like a warm hug.

• 24:03Rachel Cruze?

  I don't have it.

• 24:04George Kamel?

  You don't have it?

• 24:04Rachel Cruze?

  No, Winston was like, I don't think we need to pay that much just for a heating steering wheel.

• 24:08George Kamel?

  I wouldn't say it's worth paying for on its own.

• 24:09Rachel Cruze?

  So we did the touring package.

• 24:11George Kamel?

  Is this the Odyssey?

• 24:12Rachel Cruze?

  Middle of the road, uh huh.

• 24:13George Kamel?

  Oh, the touring is the best.

• 24:16Rachel Cruze?

  Yeah?

• 24:16George Kamel?

  Yeah.

• 24:17Rachel Cruze?

  How do you know about touring?

• 24:18George Kamel?

  Well, I had a Honda back in the day, an 09 Civic, so it's the same like, there's the LX, the EX, the EXL. But I think touring is the top of the line.

• 24:28Rachel Cruze?

  No, it's the...

• 24:28George Kamel?

  Is there touring elite?

• 24:29Rachel Cruze?

  There's, it's the elite, yes.

• 24:32George Kamel?

  That's how they get you.

• 24:32Rachel Cruze?

  And it's, it's, it's elite with the hearing, heated steering wheel is what that is.

• 24:37George Kamel?

  Sorry that Winston thought you weren't worth it.

• 24:39Rachel Cruze?

  Do I?

• 24:42Rachel Cruze?

  It's like that extra 10 grand or whatever it was.

• 24:44George Kamel?

  I can feel Winston's like side eye right now.

• 24:47Rachel Cruze?

  This is so dumb.

• 24:48George Kamel?

  Yeah, I love it, okay. Next on middle class luxuries, a quality mattress.

• 24:53Rachel Cruze?

  Mmm.

• 24:54George Kamel?

  What did we do growing up for mattresses?

• 24:56Rachel Cruze?

  I think I had the same one my whole life.

• 24:58George Kamel?

  Was there really like mattress shopping or did your parents just walk in and go? Or it was like a hand me down from other family?

• 25:04Rachel Cruze?

  Yeah, I... I genuinely have no idea.

• 25:07George Kamel?

  I don't ever remember like getting a mattress.

• 25:09Rachel Cruze?

  No.

• 25:10George Kamel?

  Like it was always just there.

• 25:11Rachel Cruze?

  No.

• 25:11George Kamel?

  Like I was born, there it was.

• 25:13Rachel Cruze?

  And now we are like so advanced in life that the last two mattresses that we had to purchase came in the mail.

• 25:20George Kamel?

  Oh, in the box.

• 25:21Rachel Cruze?

  Like in a box, y'all. And then you like, and they are the best mattresses. I love them. So I don't even go into a mattress store anymore.

• 25:28George Kamel?

  I wanna know who is. I think there's only drug deals happening in there.

• 25:31Rachel Cruze?

  Oh, really?

• 25:33George Kamel?

  That's my hot take.

• 25:33Rachel Cruze?

  You know, that's a good question. There's a lot of mattress.

• 25:35George Kamel?

  How many mattress firms can still exist in today's world? Don't trust it. But some of our parents still have the hand-me-down mattresses from our 18th century ancestors. Like my parents still have my childhood bed. They will not get rid of it.

• 25:49Rachel Cruze?

  Oh, that's sweet.

• 25:50George Kamel?

  Cause like, well, it's a comfortable bed. I'm like, you're supposed to replace these every seven to 10 years.

• 25:53Rachel Cruze?

  Are you really?

• 25:54George Kamel?

  It's been 30. Guys, what are we doing here?

• 25:57Rachel Cruze?

  So here's what's crazy. You can do a 12-inch memory foam full from Nectar, and it's $599, 600 bucks. Or then you can go Lux Breeze Tempur-Pedic King for $6,299.

• 26:11George Kamel?

  That's far beyond a middle-class luxury.

• 26:14Rachel Cruze?

  I mean, that's a.

• 26:14George Kamel?

  That's upper class.

• 26:15Rachel Cruze?

  That's a lot.

• 26:15George Kamel?

  If you're spending six grand on a mattress.

• 26:17Rachel Cruze?

  You know what I want?

• 26:18George Kamel?

  I've heard the Sleep Numbers are amazing.

• 26:19Rachel Cruze?

  Mm-hmm.

• 26:20George Kamel?

  Have you had people with Sleep Numbers? I see a Sleep Number fan out here. But those are expensive, too.

• 26:24Rachel Cruze?

  You know what I want? Like after I had babies, it's really the only time I've ever like stayed over in a hospital, I think. I don't think I've ever like spent the night in a hospital except when I had kids.

• 26:32George Kamel?

  That makes sense.

• 26:33Rachel Cruze?

  And I love the hospital. Love it.

• 26:35George Kamel?

  Because of that.

• 26:36Rachel Cruze?

  Because the bed.

• 26:40Rachel Cruze?

  And I want one so bad. I'm always propping myself up.

• 26:44George Kamel?

  Well, you do read a lot in bed, don't you?

• 26:46Rachel Cruze?

  Yeah. We watch TV, like whatever. I'm just sitting up a lot. And I'm like, could you imagine just sitting up and just?

• 26:55George Kamel?

  But I do feel like you're heading into a nursing home at that point. You know what I mean?

• 26:59Rachel Cruze?

  And then, and then your knees, you can prop your knees up.

• 27:01George Kamel?

  Oh, that is nice.

• 27:02Rachel Cruze?

  I mean, it's real good. I may. That may be our next mattress.

• 27:05George Kamel?

  Can't like a pillow do that?

• 27:07Rachel Cruze?

  That's what I'm saying. It's like, it can. It's just, it's just a lot.

• 27:11George Kamel?

  Isn't it bad to do any, any of that in bed?

• 27:14Rachel Cruze?

  What?

• 27:14George Kamel?

  I feel like I've seen all the studies, like, don't do anything in bed.

• 27:17Rachel Cruze?

  I think it's so stupid. I eat in bed sometimes.

• 27:18George Kamel?

  Don't read in bed, don't eat in bed, don't watch TV in bed.

• 27:20Rachel Cruze?

  I do everything in my bed. I love my bed. And I said that the other day, and Dr. John Loney was like, I think that's like a sign of depression. I was like, oh my gosh. But I, I would literally like get home if I could, if I didn't have much responsibility in life. I would come home, I would put on comfy's, you know.

• 27:37George Kamel?

  What's comfy's?

• 27:38Rachel Cruze?

  Cozy Earth stuff, like just some pants and sweatshirt, cozy Earth pants and sweatshirt, and get into bed. And I would work from, I would do everything in my bed. And you're supposed to like separate your bed from like all this other stuff? No, the bed is like my, it's like one of my favorite parts of my house. It's like one of my favorite spots in the world.

• 27:55George Kamel?

  To be in that bed?

• 27:56Rachel Cruze?

  Yeah.

• 27:56George Kamel?

  Alone, no one bothering you?

• 27:59Rachel Cruze?

  Either way, I can direct people from my bed. I need to know what to do.

• 28:03George Kamel?

  You can do most of your job.

• 28:04Rachel Cruze?

  I'm like, I would rather be there than like laying on the couch.

• 28:08George Kamel?

  Yeah.

• 28:08Rachel Cruze?

  I just love my bed.

• 28:09George Kamel?

  That's a good stage of life.

• 28:10Rachel Cruze?

  I just love my bed.

• 28:10George Kamel?

  In motherhood and wife-dom.

• 28:12Rachel Cruze?

  Yes.

• 28:13George Kamel?

  Where you can just do your work from the bed.

• 28:15Rachel Cruze?

  So I do love even folding clothes on my bed, George.

• 28:19George Kamel?

  It makes you excited to fold.

• 28:20Rachel Cruze?

  I love it. Well, because my bed too, I'm folding cozy Earth clothes while sitting in cozy Earth sheets too. So I have like a cozy Earth world around me when it happens. And it really makes me happy.

• 28:31George Kamel?

  I love it. Well, good news for you and everyone listening and watching because cozy days is upon us.

• 28:36Rachel Cruze?

  I, I'm obsessed. Should I have them forever and ever? Amen?

• 28:40George Kamel?

  Yes.

• 28:41Rachel Cruze?

  365 days? Should those be cozy days?

• 28:43George Kamel?

  I wish, but right now it's July 11th through 13th is officially cozy day. So don't miss your chance to score some cozy Earth, uh, suite discounts. July 11th to 13th, head to cozyearth.com, use promo code SMARTMONEY to get not 40, but 45% off. Temperature regulated sheets, apparel and more.

• 29:01Rachel Cruze?

  So much stuff, yes. And don't forget guys, the deal ends July 13th. So for better sleep and a cooler summer, check out those cozy days. Because I am telling you, everything that I wear or that I experience with cozy Earth, it is my favorite. It's my favorite stuff.

• 29:17George Kamel?

  Whether it's a good day, bad day.

• 29:19Rachel Cruze?

  Sheets, all of it.

• 29:20George Kamel?

  Make it cozy.

• 29:20Rachel Cruze?

  It is. It's amazing. We're obsessed. You will be too.

• 29:23George Kamel?

  We'll drop a link in the description as well.

• 29:25Rachel Cruze?

  All right, next, hiring movers. So you are not, you know, trying to get boxes and packing up and asking friends to help, all of it. The luxury of hiring movers.

• 29:36George Kamel?

  I do think as a middle-class American society, we've also just collected so much crap that I don't know that we can even do it on our own. Our garages are storage units, our storage units, our storage units.

• 29:49Rachel Cruze?

  Do you have a storage unit?

• 29:51George Kamel?

  I just got one because we're packing for a move. But otherwise, I've sworn off storage units.

• 29:55Rachel Cruze?

  Yes, I know. Because it's just so much stuff.

• 29:57George Kamel?

  If it can't fit in the attic, you have too much crap. That's my rule.

• 30:00Rachel Cruze?

  It's a lot.

• 30:00George Kamel?

  Unless you have like Papa's vintage convertible in storage or whatever.

• 30:04Rachel Cruze?

  Totally, totally.

• 30:05George Kamel?

  Which I'm sure that's your life.

• 30:07Rachel Cruze?

  No, no.

• 30:09George Kamel?

  It will be one day.

• 30:11Rachel Cruze?

  What are you talking about?

• 30:12George Kamel?

  Your kids will be storing Dave's vintage cars.

• 30:16Rachel Cruze?

  Oh.

• 30:16George Kamel?

  Think about that.

• 30:17Rachel Cruze?

  He has like one vintage car and will probably sell it.

• 30:19George Kamel?

  His cars now will be vintage by the time they're old. Think about that. Like, oh yeah, that was his 2007.

• 30:27Rachel Cruze?

  But they're not like sentimental. It's not like...

• 30:30George Kamel?

  It will be to Charlie. Old Chucky Cruz.

• 30:35Rachel Cruze?

  Old Chucky Cruz.

• 30:35George Kamel?

  We'll make it last.

• 30:36Rachel Cruze?

  Oh my gosh.

• 30:37George Kamel?

  But yeah, movers is a game changer. I always joke that if a friend asks me to move, I would rather donate to a GoFundMe to hire movers.

• 30:44Rachel Cruze?

  Oh my gosh.

• 30:44George Kamel?

  Than actually physically help them.

• 30:46Rachel Cruze?

  Yeah, it's tough. It's a labor of love, for sure.

• 30:48George Kamel?

  And the friends that Will knows, some of these friends, they got a lot of stuff they're moving.

• 30:53Rachel Cruze?

  Yeah.

• 30:54George Kamel?

  And it's like, I can't work for free at this juncture of my life.

• 30:57Rachel Cruze?

  What am I doing?

• 30:58George Kamel?

  You know? I'm not gonna pull a bolt... I'm not gonna have a bulging disc because I tried to move his antique piano.

• 31:05Rachel Cruze?

  Yeah.

• 31:05George Kamel?

  Yeah, the Hutch. Goodness gracious, what are we doing with the Hutches? I'm done with Hutches. What are we putting in there?

• 31:12Rachel Cruze?

  Plates that we don't use, you know?

• 31:13George Kamel?

  Exactly.

• 31:14Rachel Cruze?

  It's unbelievable. Unbelievable. Oh my gosh.

• 31:17George Kamel?

  But definitely worth it.

• 31:18Rachel Cruze?

  Okay, this one I don't get, but Winston loves a surround sound. So...

• 31:24George Kamel?

  You don't ever want to be bathed in sound?

• 31:26Rachel Cruze?

  No, so Winston has a speaker on the ground in a corner.

• 31:31George Kamel?

  You want to feel the rumbles.

• 31:32Rachel Cruze?

  Like, I'm like, it just, it makes no, it makes no sense.

• 31:35George Kamel?

  The movies you're watching have no interesting audio happening. You know what I mean? It just dial it.

• 31:42George Kamel?

  That's like 99% of your... Winston's movies?

• 31:47Rachel Cruze?

  Yeah, but like, I'm not gonna like be like, oh my god, there's an airplane behind me. Like, I don't get it. Like, it's like right there.

• 31:53George Kamel?

  I wanna feel the chopper come out. I'm like looking around for the chopper.

• 31:55Rachel Cruze?

  It's like right there, watching. I don't get it.

• 31:59George Kamel?

  You wouldn't understand.

• 31:59Rachel Cruze?

  I don't, I really don't. It doesn't make a lot of sense to me.

• 32:03George Kamel?

  I will say this, I don't have it.

• 32:04Rachel Cruze?

  Okay.

• 32:05George Kamel?

  I have a soundbar. That's as far as I've went.

• 32:07Rachel Cruze?

  Okay, yes, yes.

• 32:09George Kamel?

  But I don't watch a lot of movies these days. It's hard with a baby. It's illegal. Babies can't watch movies, I found out.

• 32:16Rachel Cruze?

  What?

• 32:17George Kamel?

  It's bad for their brain.

• 32:19Rachel Cruze?

  Like, okay.

• 32:21George Kamel?

  Sometimes I'll sneak a little Miss Rachel from being bad. Not for the baby, for me. I learned a lot.

• 32:27Rachel Cruze?

  She's a great teacher.

• 32:28George Kamel?

  Yes.

• 32:28Rachel Cruze?

  Oh my gosh.

• 32:29George Kamel?

  Open and shut. Okay. You watch a lot of movies with the kids. Don't you think they deserve surround sound? To be immersed in an experience?

• 32:38Rachel Cruze?

  No, no.

• 32:39George Kamel?

  Oh, but you deserve to be cozy?

• 32:43George Kamel?

  Whatever.

• 32:45Rachel Cruze?

  Yeah, they've never once been like...

• 32:46George Kamel?

  That is a luxury.

• 32:47Rachel Cruze?

  I wish I was hearing sounds from my like right and left shoulder.

• 32:50George Kamel?

  I did have friends that were really into it, you know, and they have speakers in the corners of the room. It's like, oh, this is...

• 32:54Rachel Cruze?

  It's legit.

• 32:55George Kamel?

  I wanna hang out and watch a movie here.

• 32:56Rachel Cruze?

  And you know what? Maybe if I experienced it well in someone's house.

• 32:59George Kamel?

  You know what you should do? Go to a movie theater.

• 33:01Rachel Cruze?

  I do. I just went to one. And now it is it. That's allowed. Movie theaters are loud. I did think, should I have to...

• 33:08George Kamel?

  That's why it's a special experience.

• 33:10Rachel Cruze?

  Yeah.

• 33:10George Kamel?

  If it was just a big TV up front, nobody would go to the movies.

• 33:13Rachel Cruze?

  I hear ya. I love the movies. All right, next. This is fancy, fancy, a bidet.

• 33:20George Kamel?

  Oh, yeah. Have you ever seen one in real life?

• 33:22Rachel Cruze?

  I really, yes, I have.

• 33:24George Kamel?

  I have never experienced one. I'm too nervous.

• 33:26Rachel Cruze?

  I... Cause like now they have smart toilets?

• 33:30George Kamel?

  What does that even mean?

• 33:31Rachel Cruze?

  Have you heard this? Like where you walk up and the lid opens and it's heated?

• 33:34George Kamel?

  I can get behind that.

• 33:35Rachel Cruze?

  Me too. Should we look into that? And I bet they have a bidet option, cause isn't a debate, a bidet, just like the water that comes up, right? That's considered a bidet?

• 33:44George Kamel?

  Yeah.

• 33:45Rachel Cruze?

  So I bet, I bet a smart toilet has that feature.

• 33:47George Kamel?

  This smart toilet at Home Depot is 500 bucks.

• 33:49Rachel Cruze?

  No way.

• 33:50George Kamel?

  Yep. And you can get a detachable bidet from Target for 40 bucks.

• 33:54Rachel Cruze?

  Okay, I don't need that.

• 33:56George Kamel?

  You want to go all out.

• 33:57Rachel Cruze?

  Should I get a smart toilet?

• 33:58George Kamel?

  If you can convince Winston.

• 33:59Rachel Cruze?

  Would you rather have a smart toilet or surround sound?

• 34:02George Kamel?

  Smart toilet.

• 34:04Rachel Cruze?

  Me too.

• 34:04George Kamel?

  Just based on usage. You're gonna get more utility out of that thing.

• 34:08Rachel Cruze?

  Yes, you would.

• 34:09George Kamel?

  And to never have to touch a toilet again.

• 34:11Rachel Cruze?

  Could you imagine?

• 34:12George Kamel?

  Changed my life.

• 34:13Rachel Cruze?

  I mean, seriously. And I think it flushes automatically when you leave too. Like, I think it's like...

• 34:16George Kamel?

  It knows.

• 34:17Rachel Cruze?

  I think it knows everything.

• 34:17George Kamel?

  It knows where you are at all times.

• 34:21Rachel Cruze?

  Man.

• 34:22George Kamel?

  All right, I'll look into it.

• 34:23Rachel Cruze?

  That may be my...

• 34:24George Kamel?

  I feel like we spent 500 bucks on stupider stuff in America. I think smart toilets might be the move.

• 34:28Rachel Cruze?

  At least something that you're gonna use.

• 34:29George Kamel?

  Other countries have this figured out.

• 34:31Rachel Cruze?

  Yeah, that's where America's behind.

• 34:32George Kamel?

  If you go to Japan, like, a public bathroom, like, self-cleans. The entire room

• 34:35Rachel Cruze?

  No way.

• 34:36George Kamel?

  cleans before you go in there.

• 34:38Rachel Cruze?

  I saw in Japan too, in their airport, they have a mani- a robot that does your manicures for you. Yep. True story. People are way advanced.

• 34:47George Kamel?

  How do they do it?

• 34:48Rachel Cruze?

  What are we doing over here?

• 34:49George Kamel?

  I don't know. I thought America had it figured out, but...

• 34:51Rachel Cruze?

  Not with the airports.

• 34:53George Kamel?

  The technology. Amazing. Uh, speaking of technology, the last one on our list for middle-class luxuries, robot vacuums.

• 35:00Rachel Cruze?

  Mmm.

• 35:01George Kamel?

  And talking apps were lumped together. So Roomba. You have a Roomba at home or one of the...

• 35:05Rachel Cruze?

  You know, we used to. We don't anymore. But you know what we did get? This is gonna sound so bougie.

• 35:10George Kamel?

  And it will be bougie.

• 35:11Rachel Cruze?

  Are you ready for this? Well, we got our pool. The new pool vacuums.

• 35:17George Kamel?

  Is a robot?

• 35:18Rachel Cruze?

  Is no longer the big tail that, like, goes in, the big, you know...

• 35:21George Kamel?

  Yeah. Scary snake-looking thing?

• 35:22Rachel Cruze?

  The snake thing. Now they have vacuums, and we got one. And it's like a Roomba. You put it in, and it floats, and then it goes down, and it does it all. And then when it is about to be out of battery, it comes to the side and puts itself up with a handle. And you just grab it, take it out, clean the filter, put it on the charger. And it's actually like a really great vacu- like, it gets a lot.

• 35:43George Kamel?

  It does a good job.

• 35:44Rachel Cruze?

  Yes. Crazy.

• 35:46George Kamel?

  That's amazing.

• 35:46Rachel Cruze?

  I mean, to me, I'm like, we are living in the future.

• 35:49George Kamel?

  I'm honestly distracted because I'm upset that a robot can swim better than I can. Like, how did we teach a robot how to swim?

• 35:56Rachel Cruze?

  And the kids named them Bubbles. And so Bubbles is like, yeah, everywhere. And deep stays down there, skims, skims the top. I mean, it's unbelievable.

• 36:05George Kamel?

  Wow, that is true luxury.

• 36:08Rachel Cruze?

  I think that's the bougiest thing on the list for me.

• 36:09George Kamel?

  We do own the robot vacuum, but we cannot use it because our French Bulldog thinks it's, I guess, a murderer in the house.

• 36:17Rachel Cruze?

  Oh, no, barks and stuff.

• 36:19George Kamel?

  So he won't let it run. He will attack it nonstop.

• 36:21Rachel Cruze?

  Oh, no, George.

• 36:22George Kamel?

  Until he destroys it.

• 36:23Rachel Cruze?

  Oh, shoot.

• 36:24George Kamel?

  It just sits, it's decor.

• 36:25Rachel Cruze?

  Why don't you sell it?

• 36:27George Kamel?

  We could, but I have faith that one day I'll be able to use it. Maybe if he's at daycare, we'll run it on that day.

• 36:34Rachel Cruze?

  Have you seen the lawnmower ones that do this too?

• 36:37George Kamel?

  Oh, no.

• 36:37Rachel Cruze?

  There's a lawnmower Roomba type thing too, yes.

• 36:40George Kamel?

  Wow.

• 36:41Rachel Cruze?

  I know.

• 36:42George Kamel?

  But I feel like, doesn't the man lose the pride of like, I mowed my lawn?

• 36:45Rachel Cruze?

  Unless you hire a lawn service, like we talked about earlier.

• 36:48George Kamel?

  I feel like it's cheaper to hire a lawn service than to buy a robot.

• 36:50Rachel Cruze?

  That'd be a good question. I don't know.

• 36:51George Kamel?

  I think that's super expensive to get the robot lawn mowers.

• 36:53Rachel Cruze?

  I'm sure, I'm sure, but man.

• 36:55George Kamel?

  But if the technology, you know, gets better, maybe I'll buy one one day.

• 36:58Rachel Cruze?

  Oh, man, all right.

• 36:59George Kamel?

  What a great life.

• 37:01Rachel Cruze?

  I love, yes.

• 37:02George Kamel?

  What a blessing it is to live in today's America.

• 37:04Rachel Cruze?

  If we have, if you have anything on that list, we're doing good.

• 37:07George Kamel?

  You're doing all right, better than you think.

• 37:08Rachel Cruze?

  We're doing good.

• 37:09George Kamel?

  What's your takeaways?

• 37:10Rachel Cruze?

  I think that's it, you're doing better than you think. I think there can be this like invisible like idea of, oh, my gosh, I'm never going to catch up. All these people have like this like insane lifestyle or whatever it is. And then when you're actually have a level of, I think, gratitude for where you're at. And a reality check of like, all right, life is good. Life is good, you know? And even with some of this stuff, I'm like, you know, I don't want to just fill my life with a bunch of crap. Right? Like, some of the stuff is worth it, right? If you have a service help you, like, I think there are things. But then there's a point that like, are we going to just keep buying and buying and buying? More stuff, you know? And does it really enhance our life? Helicopter.

• 37:49Rachel Cruze?

  I need that surround sound.

• 37:51George Kamel?

  No, that is a good take. I do think consumerism has made us always feel like we need more.

• 37:56Rachel Cruze?

  Yes.

• 37:57George Kamel?

  I don't think that's a controversial take. And average is okay. It's okay to not be better than everyone in your life.

• 38:04Rachel Cruze?

  Yes.

• 38:05George Kamel?

  It's okay to just be debt-free, have a great life.

• 38:09Rachel Cruze?

  It's so true.

• 38:09George Kamel?

  Go on vacation once a year. That's normal. Do it. It's okay.

• 38:13Rachel Cruze?

  Yep.

• 38:14George Kamel?

  And everything everyone else is doing could be a facade. We don't know if they're in crippling debt, if their marriage is falling apart, or maybe they're doing great and thriving. Either way, what good does it do for us to compare our lives to theirs?

• 38:24Rachel Cruze?

  Yes, yep. And at what point is it that you just spend so much of your life running and chasing and working and not actually like being in the moment with the people you love, you know? So there's something about that mindset of not feeling like you always have to like go the next rung up, right? Have to keep getting better and bigger and newer and all this stuff. Like, you're good. Life's good. Enjoy it. Have some peace, you know?

• 38:47George Kamel?

  Listen to Rachel. And these trends will come and go. We can do this episode 10 years from now, looking back at the things we covered, joking at how lame these things are now, and nobody does it anymore.

• 38:57Rachel Cruze?

  That's so true.

• 38:57George Kamel?

  So whatever trend you're like super into right now, just know it will disappear and you'll realize you just wasted a bunch of money to maybe try to impress other people or yourself.

• 39:06Rachel Cruze?

  Love it.

• 39:07George Kamel?

  So just be more comfortable in who you are. Have some contentment, as my friend Rachel would say.

• 39:11Rachel Cruze?

  There you go.

• 39:12George Kamel?

  And I will say this, if you really are struggling financially and you feel like even middle class is too far away, make some pivots, make some sacrifices, work on that career change, that salary increase, cut some spending, do what you have to do to get to a better place. And if the budget continues to feel tight, sell some of the stuff that you've bought out of luxury. And if you need help with this, we have a great app called EveryDollar to make a budget. It's foolproof. You set it and you stick to it, and that will get you to a better place financially. Maybe to middle class, maybe beyond. Who knows where the budget will take you. So check it out. We'll drop a link to EveryDollar in the description below.

• 39:49Rachel Cruze?

  Amazing. All right, George, before we get to our Guilty's Charge question, what are we sipping on?

• 39:55George Kamel?

  We have the Hot Honey Strawberry Bourbon Smash.

• 39:58Rachel Cruze?

  Man, this was a drink.

• 39:59George Kamel?

  I did a little better than you, but...

• 40:01Rachel Cruze?

  I didn't like it.

• 40:04George Kamel?

  It's one of those drinks that looks so much better than it is.

• 40:08Rachel Cruze?

  At first, when I first tasted it, I'm like, are you trying to be a Bloody Mary? But then you're not. I think it's the hot honey. It's almost like a little, I don't know.

• 40:17George Kamel?

  Yeah, it has potential. And the presentation from mixologist Michael, 10 out of 10 on presentation.

• 40:22Rachel Cruze?

  Well, because it's strawberry. He took the actual strawberry leaf out and put basil, fresh basil leaves inside the strawberry.

• 40:29George Kamel?

  I thought we figured out a GMO. Look how big this strawberry is.

• 40:33Rachel Cruze?

  It's huge.

• 40:34George Kamel?

  It's like my fist.

• 40:35Rachel Cruze?

  It's huge. I know.

• 40:37George Kamel?

  I thought they GMO'd it to put basil on top, just growing off there. I'm gonna give this one a 6 out of 10.

• 40:43Rachel Cruze?

  I'm going 2 out of 10.

• 40:44George Kamel?

  Ooh.

• 40:45Rachel Cruze?

  I know. And can I say this, mixologist Michael, I give him so much credit. He was in there muddling.

• 40:50George Kamel?

  I mean, you can see.

• 40:51Rachel Cruze?

  For like, 4 minutes. I mean, a long time. So he put a-

• 40:55George Kamel?

  Yeah, there's a fruit salad at the bottom of this thing.

• 40:57Rachel Cruze?

  He put a lot of effort in. So, Michael, thank you.

• 40:59George Kamel?

  A for effort. Well, hey, the cost comes out to $2.51, and not a penny more. Here's what's in it: bourbon, fresh sliced strawberries, hot honey, and basil leaves. And you can garnish it, adorn it with a strawberry with basil coming off the top if you want to be extra.

• 41:15Rachel Cruze?

  So beautiful.

• 41:16George Kamel?

  Get the recipe in the show notes. Try it this weekend. Maybe you'll perfect it and make it a 10 out of 10. Who knows?

• 41:21Rachel Cruze?

  All right, George, it's time for

• 41:23George Kamel?

  Guilty as charged.

• 41:25Rachel Cruze?

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

• 41:32George Kamel?

  Hit me.

• 41:32Rachel Cruze?

  Have you ever purchased anything that your friends or family thinks is an over-the-top luxury?

• 41:39George Kamel?

  Oh, what a perfect one for this episode.

• 41:41Rachel Cruze?

  Mm-hmm.

• 41:42George Kamel?

  Yeah, mine's pretty simple. My parents think it's hilarious that we get a house cleaner.

• 41:48Rachel Cruze?

  Oh, really?

• 41:48George Kamel?

  Because we never had a house cleaner growing up. You just, they were always cleaning. My mom was in a constant state of cleaning.

• 41:54Rachel Cruze?

  She's cleaning.

• 41:55George Kamel?

  And so I think she's like, what are you doing as someone else is gonna come to your house?

• 41:58Rachel Cruze?

  Yeah.

• 41:58George Kamel?

  And do all this for you? I'm like, yeah, doesn't it sound amazing?

• 42:01Rachel Cruze?

  Isn't that great?

• 42:02George Kamel?

  So that one is still jarring for them as Middle Eastern immigrants.

• 42:06Rachel Cruze?

  Yeah, that's fair. That's fair. Uh, mine would probably be my Instacart habits. I go on and off the whole Instacart game.

• 42:13George Kamel?

  Who hates on that one?

• 42:14Rachel Cruze?

  My mom, I would say. Sharon listens to the show. Hi Mom, she loves the show. But she's like, you need to go to the store. Because she thinks I'm missing out on some great options on food. Because you just order online.

• 42:26George Kamel?

  It sounds like she just wants you to eat differently. Missing out, they have organic and gluten free, Rachel.

• 42:33Rachel Cruze?

  Yes, she probably would love your diet, George.

• 42:36George Kamel?

  We probably have very similar diets.

• 42:37Rachel Cruze?

  You and Sharon, yeah.

• 42:38George Kamel?

  Mine is my sweets habit. She's much healthier than I am.

• 42:41Rachel Cruze?

  Yeah, y'all are both a little crunchy. You read labels, you know, you're one of those people.

• 42:46George Kamel?

  They put them on the back, that people, someone spends a lot of time.

• 42:49Rachel Cruze?

  Listen, my kids like carrots and cucumbers, so like, we're good.

• 42:53George Kamel?

  No shade.

• 42:54Rachel Cruze?

  You know.

• 42:54George Kamel?

  And dino nuggets, they go together.

• 42:56Rachel Cruze?

  Yeah, that's right. Got to have a veggie.

• 42:58George Kamel?

  Love a dino nugget.

• 43:00Rachel Cruze?

  But yeah, I would say it's probably that. The fact that you can order groceries to the door is like, what? You're not, you don't go to the grocery store? You know.

• 43:08George Kamel?

  These are the middle class luxuries of our generation.

• 43:11Rachel Cruze?

  It's true.

• 43:11George Kamel?

  It's just other people doing the things you don't want to do.

• 43:14Rachel Cruze?

  I'm not kidding, that's kind of where I start to spend my money, right?

• 43:17George Kamel?

  It's better than stuff, personally.

• 43:19Rachel Cruze?

  That's what I'm thinking, I'm like, I don't need like.

• 43:20George Kamel?

  I think our parents' generation was like, the more stuff that I can see, the better I'm doing.

• 43:24Rachel Cruze?

  Oh, the more value.

• 43:25George Kamel?

  And more, like, the more time that we're not having to trade for.

• 43:29Rachel Cruze?

  You know, George, that's good, that's good.

• 43:31George Kamel?

  That's my big observation.

• 43:33Rachel Cruze?

  You should write a book about that.

• 43:34George Kamel?

  I don't know if there's a whole book in there, but thank you.

• 43:35Rachel Cruze?

  It's pretty good.

• 43:36George Kamel?

  Very kind.

• 43:37Rachel Cruze?

  So make sure to DM us any of your guilty charge questions that you have, at Rachel Cruz and at George Kamel, because we love to have them. And also, it's always interesting when people act rich, kind of that fake rich, but they're really not, but they look like they are. And so make sure to check out our episode, Things That Scream, I'm Pretending to Be Upper Class. We'll put a link down below, or if you're watching on YouTube, you can click right there. All right, George.

• 44:00George Kamel?

  It's been fun.

• 44:01Rachel Cruze?

  What a fun episode. We'll see all of you guys next Thursday on an all new episode of

• 44:05George Kamel?

  Smart Money Happy Hour.