Waste or Worth It: Rating “Life-Changing” Products

💵 Create a free budget and find more margin with EveryDollar. If every product is “life-changing” then no product is life-changing. We’re calling consumerism’s bluff by judging wellness and lifestyle fads that are overhyped. Next Steps: · 🎙️ Catch our episode Judging People Based on How They Spend Their Money. · 🍸 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. Connect With Our Sponsors: · Check out the FAIRWINDS Credit Union exclusive account bundle. · Get 20% off when you join DeleteMe. · Get up to 40% off the exclusive bundles with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹Cucumber Mint Refresher Recipe By: mocktailswithlilly · 2–3 ounces fresh cucumber juice (see notes below) · .75 ounces simple syrup or agave · 3–4 mint leaves · Lime sparkling water · Ice · Mint and cucumber ribbons for garnish Instructions: Muddle mint with simple syrup. For the cucumber juice, blend chopped cucumber with some water, then fine strain. You can also sub muddled cucumber for a blend-free version! Add cucumber juice, shake, and strain into a glass over ice. Top with sparkling water and enjoy! Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:05George Kamel?

  If everything is life-changing, then nothing is life-changing. Today, we're calling consumerism's bluff. I feel like Winston and I are kindred spirits. He's just like what I could have been. I don't want to yuck anyone's yum today. Then I realized I have a conundrum on my hands. I'm just a guy in a parking lot, holding a butcher knife.

• 0:26Rachel 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.

• 0:34Rachel Cruze?

  Cheers.

• 0:34George Kamel?

  George, cheers.

• 0:40George Kamel?

  Wow.

• 0:40Rachel Cruze?

  So refreshing.

• 0:41George Kamel?

  Congratulations, Rachel.

• 0:43Rachel Cruze?

  That was good. Thank you. For what?

• 0:45George Kamel?

  This is our 209th episode.

• 0:47Rachel Cruze?

  Oh, okay.

• 0:48George Kamel?

  We had a bet. We had a bet, we wouldn't make it to 209.

• 0:51Rachel Cruze?

  We did?

• 0:52George Kamel?

  You don't remember, it was back in the day.

• 0:54Rachel Cruze?

  Apparently, glad we're here. Well, this is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money.

• 1:02George Kamel?

  And let's talk about what we're sipping on as we get into it. Today, we've got a delicious mocktail, a cucumber mint refresher.

• 1:08Rachel Cruze?

  It's wonderful.

• 1:10George Kamel?

  It's giving day at the spa.

• 1:11Rachel Cruze?

  Yes.

• 1:12George Kamel?

  We're here for it.

• 1:13Rachel Cruze?

  Put me at a spa, let me sip on something, and then this is it.

• 1:16George Kamel?

  Yeah, so stick around to the end, we'll give you our rating and reveal the cost per glass. And if you want to sip along with us, the recipe, as always, is in the description.

• 1:24Rachel Cruze?

  That's right. Well, the influencer world and the life-changing, this is life-changing.

• 1:29George Kamel?

  Everything. And we've been guilty of this. I've been like, oh, it'll change your life.

• 1:33Rachel Cruze?

  It'll change your life.

• 1:34George Kamel?

  I usually say, here's mine, I say, oh, that'll change your family tree.

• 1:37Rachel Cruze?

  Okay.

• 1:38George Kamel?

  I go, I got the Ramsey spin on it.

• 1:40Rachel Cruze?

  On like everyday consumer products.

• 1:42George Kamel?

  We have this, no, the stupider, the better.

• 1:44Rachel Cruze?

  A gluten-free cookie, and you're like, that will change your family tree.

• 1:47George Kamel?

  That cookie will change your family tree. I like, I like going way over the top.

• 1:51Rachel Cruze?

  Oh, my gosh, well, yeah, the life change, yeah, we're hearing it all the time.

• 1:55George Kamel?

  And now it's like, can you trust it? Is it actually life-changing? Are you being paid to tell me it's life-changing?

• 2:00Rachel Cruze?

  That's it, too.

• 2:01George Kamel?

  Mrs. or Mr. influencer?

• 2:02Rachel Cruze?

  Yes, like, what is going on, I know.

• 2:04George Kamel?

  Nobody knows.

• 2:05Rachel Cruze?

  It's gotten, it's gotten pretty out of control. And have you, I just learned about this, the daily shed, have you heard about this?

• 2:11George Kamel?

  Like a snake?

• 2:12Rachel Cruze?

  It's basically, yes, I kept seeing videos pop up, and everyone's like, listen, this will like, change your life. Like, in the morning, because they, what they wear to bed, it's like, mouth tape, which people swear by.

• 2:22George Kamel?

  Oh, I tried that.

• 2:23Rachel Cruze?

  People swear by mouth tape.

• 2:24George Kamel?

  It felt like I was being suffocated slowly.

• 2:26Rachel Cruze?

  Then you have like, like, the mask, the eye stuff, the hair thing, I mean, it's just like this, like, whole, they have to basically shed off everything that they put on at night. And they're like, it's life-changing. And I'm like, eh, is it? I'm sleeping pretty good.

• 2:41George Kamel?

  Yeah.

• 2:41Rachel Cruze?

  About anything.

• 2:42George Kamel?

  Can I tell you, though, this is, I want to try a CPAP machine.

• 2:45Rachel Cruze?

  Why?

• 2:46George Kamel?

  Yeah, my wife thinks I have sleep apnea.

• 2:48Rachel Cruze?

  Do you?

• 2:49George Kamel?

  So I'm like, can I just buy a CPAP machine and try it? Do I have to get diagnosed?

• 2:53Rachel Cruze?

  No, I think you just buy one on Amazon.

• 2:55George Kamel?

  It feels like an inhaler, I'm just getting more oxygen.

• 2:58Rachel Cruze?

  Do you wake up at night, does she hear you wake up, like, like, breathing heavy?

• 3:02George Kamel?

  She claims that she like, can tell I've not been breathing for a little.

• 3:06Rachel Cruze?

  Wait, what?

• 3:07George Kamel?

  And the occasional light snore. But then she's like, is that the Frenchie in the bed, or is that George? She can't tell anymore.

• 3:12Rachel Cruze?

  Oh, no, because of the movement of the mattress.

• 3:15George Kamel?

  And who's snoring? Because we're right next to each other. The dog is

• 3:18Rachel Cruze?

  You should get that checked out.

• 3:20George Kamel?

  The dog situation, or the CPAP?

• 3:21Rachel Cruze?

  Both.

• 3:22George Kamel?

  Okay.

• 3:22Rachel Cruze?

  But definitely the CPAP. No, that's like a, I feel like when you hit like 55 and beyond, is when people start inserting that.

• 3:29George Kamel?

  But that one truly, I think, is life-changing, because we have a friend

• 3:32Rachel Cruze?

  Well, if you have sleep apnea, yeah, sure, it literally would save your life.

• 3:36George Kamel?

  But our friend Jason, he said he had sleep apnea, and he got it checked out. He wasn't breathing, it was like 88 times in a minute, or something insane, that he would stop breathing.

• 3:46Rachel Cruze?

  In an hour?

• 3:47George Kamel?

  In an hour.

• 3:48Rachel Cruze?

  Geez, I was like, that's like 88, 60 seconds in a minute?

• 3:52George Kamel?

  That's right. 88 times in an hour, he would stop breathing.

• 3:55Rachel Cruze?

  That was just not good.

• 3:56George Kamel?

  Yeah.

• 3:57Rachel Cruze?

  At night, okay.

• 3:58George Kamel?

  That one, I think, is, there are life-changing things, and there are things that I think are hype.

• 4:02Rachel Cruze?

  I feel like you should probably, yeah. You don't sleep with a body pillow, is that Ken Coleman?

• 4:06George Kamel?

  Um.

• 4:08Rachel Cruze?

  Who sleeps with a body pillow?

• 4:09George Kamel?

  I like that you would confuse us, too, for having a body pillow. I, I can't say I don't, because I sleep with multiple pillows.

• 4:16Rachel Cruze?

  That's what it is, okay, I was like, I knew there was something.

• 4:18George Kamel?

  I could probably shed a pillow if I had a body pillow.

• 4:21Rachel Cruze?

  Okay.

• 4:21George Kamel?

  Because I'm up to three right now.

• 4:22Rachel Cruze?

  Okay. I love how high, you're more high maintenance than Whitney, would you say?

• 4:27George Kamel?

  I'm just old.

• 4:29Rachel Cruze?

  No, you're not!

• 4:30George Kamel?

  Like, my body is decrepit.

• 4:32Rachel Cruze?

  No, I thought you're like, you got all your blood work done.

• 4:34George Kamel?

  My blood work's great.

• 4:35Rachel Cruze?

  Okay.

• 4:36George Kamel?

  Yeah, no, no, on paper, I'm thriving.

• 4:38Rachel Cruze?

  But everything else is just those joints.

• 4:41George Kamel?

  Well, my cousin, he's a doctor, and he worked with a lot of old people, and like, you know, and he said he would tuck like, a pillow behind their back, a pillow under their arm, a pillow between their knees.

• 4:50Rachel Cruze?

  And you tried it.

• 4:51George Kamel?

  And so then I tried it, and you can't go back, once you experience that level of

• 4:54Rachel Cruze?

  Oh, my gosh, that is so, I think I move too much.

• 4:58George Kamel?

  You're a mover.

• 4:59Rachel Cruze?

  I am.

• 5:00George Kamel?

  You're a roller?

• 5:00Rachel Cruze?

  I'm a mover, oh, yeah, I'm a flopper, yeah.

• 5:03George Kamel?

  Side sleeper? People want to know.

• 5:05Rachel Cruze?

  All the above.

• 5:06George Kamel?

  Back, front, side?

• 5:07Rachel Cruze?

  Yes.

• 5:07George Kamel?

  Upside down?

• 5:08Rachel Cruze?

  You know what's crazy? This has to be a psychological, like, study, I bet it's done. Every time I have a bad dream, I don't have many bad dreams these days, it sounds like I'm five. I have a nightmare, I have a nightmare. No, but when I, whenever I wake up from a bad dream, I'm on my back.

• 5:25George Kamel?

  Hmm.

• 5:26Rachel Cruze?

  What is that about? That's like a thing. So I don't like sleeping on my back, for many, yeah, I don't like

• 5:31George Kamel?

  Sadly, that's the best way to sleep.

• 5:33Rachel Cruze?

  No, really?

• 5:34George Kamel?

  Yeah, scientifically.

• 5:35Rachel Cruze?

  Shoot, well, Winston Cruz is getting an A+ on that, he doesn't move.

• 5:39George Kamel?

  Gosh, dude, he's like a mummy.

• 5:42Rachel Cruze?

  He gets sleep in like, a hotel bed that's all made, on one side, and then get out and just move the cover, step out, and put it back, and it would look like nobody slept there. Me, it's like a war happened last night.

• 5:51George Kamel?

  Honestly, it's rude.

• 5:52Rachel Cruze?

  Kicking covers, kicking sheets down.

• 5:54George Kamel?

  That's brutal.

• 5:55Rachel Cruze?

  Okay, so I think we rate some of the products that

• 5:58George Kamel?

  That people claim are life-changing.

• 5:59Rachel Cruze?

  Are life-changing, some that we've bought and used. So we have firsthand experience on some of these.

• 6:04George Kamel?

  Yes.

• 6:04Rachel Cruze?

  On what we think, is it life-changing?

• 6:07George Kamel?

  Can we just call out, I don't want to yuck anyone's yum today. I know people hate when I say that, and that's why I say it, but some of these, you're going, oh, my gosh, they're so wrong, this, that's fine, we're all entitled to our opinions, and that's what we're sharing today. This is not scientific, these aren't Ramsey principles to live by, these are just, we're having fun, talking about

• 6:28Rachel Cruze?

  We like spending money, and we like buying things that change our lives.

• 6:31George Kamel?

  And I want to make sure people don't waste their money.

• 6:33Rachel Cruze?

  It's a truth, I know, we got to figure out if it's true or not.

• 6:35George Kamel?

  Don't waste it.

• 6:36Rachel Cruze?

  All right, uh, let's kick off, this was the, this was a fad for a while, the old Stanley cup.

• 6:42George Kamel?

  Oh, gosh, okay, my yay or nay, we have our paddles here, with a red thumbs down, green thumbs up. Stanley cup, life-changing? I'm going to say nay, it's a red for me.

• 6:52Rachel Cruze?

  I think I'm with you.

• 6:54George Kamel?

  Oh. Didn't you walk in here with a Stanley cup?

• 6:58Rachel Cruze?

  Well, I, no, I don't think that's Stanley, I think that is, what's the other brand? It's the Ramsey one that we all got for Christmas.

• 7:04George Kamel?

  Okay.

• 7:05Rachel Cruze?

  It's just an insulated brand.

• 7:06George Kamel?

  How many Stanleys do you own, though?

• 7:08Rachel Cruze?

  I only own one.

• 7:10George Kamel?

  As a white millennial female?

• 7:11Rachel Cruze?

  It's all the same to me.

• 7:12George Kamel?

  Okay, a cup's a cup to you.

• 7:14Rachel Cruze?

  Yeah, and Orca, or Orca was a thing for a while. Like, there's like, thousands of these companies, and they all do the same, they just make your drink, keep it hot, or they keep it cold.

• 7:24George Kamel?

  Yeah.

• 7:24Rachel Cruze?

  And that's all we need, that's all we need. And I don't like straws, I'm out on the straw.

• 7:29George Kamel?

  Yeah, I do think straws add, it adds a layer of like, I'm going to get black mold in my body, eventually.

• 7:35Rachel Cruze?

  And I have so many things to keep up with, why add a thing? So my kids' wallas, half of them, no straws, they have to do this with their wallas.

• 7:42George Kamel?

  You made everything into a sippy cup.

• 7:43Rachel Cruze?

  Basically, I turned it into a big sippy cup. Because I'm like, I can't keep up with them all, I don't like them, and then my kids chew on them, and it's just like, it's terrible, why? So, I'm going to go no.

• 7:53George Kamel?

  Yeah, well, and the fact that like, influencers made it big, tells me it's probably not like, the best product out there.

• 7:59Rachel Cruze?

  I think it probably is good quality, though.

• 8:01George Kamel?

  It's solid, it's a great brand, but like, is it overhyped? Yes.

• 8:04Rachel Cruze?

  Yes.

• 8:05George Kamel?

  Are we buying it because it came out in a different color this month? Yes.

• 8:08Rachel Cruze?

  I know. And now it's gone downhill, though, I mean, like, the branding, right? People aren't like, freaking out about them.

• 8:14George Kamel?

  Yeah, there's not as much fanfare about it, but I think the hydration movement is upon us.

• 8:19Rachel Cruze?

  Which I'm

• 8:19George Kamel?

  It's exhausting.

• 8:20Rachel Cruze?

  Which I'm for.

• 8:21George Kamel?

  Sure, there's worse things we could do as a society than hydrate, but it just feels like we're trying to make hydration, like, it's judgmental now.

• 8:29Rachel Cruze?

  Oh, like, well, how much are you drinking? And you're like, oh, you judge me by not drinking water.

• 8:33George Kamel?

  Well, that's, you know why? Because my wife judges me, so I have to then project on other people. Anytime, I'm like, I ain't got a tummy ache, she's like, have you had enough water today?

• 8:41Rachel Cruze?

  Have you had water?

• 8:42George Kamel?

  I'm tired. Have you, I know I sound like a toddler when I get home, I promise, it is that whiny. But she's always like, you haven't had enough water today.

• 8:50Rachel Cruze?

  She's like, drink your water, George.

• 8:51George Kamel?

  Yeah, or it's, because you had bourbon last night.

• 8:54Rachel Cruze?

  Ah.

• 8:55George Kamel?

  She thinks I'm allergic to bourbon, and I think she's right.

• 8:58Rachel Cruze?

  Hey, hey, you know what, though? Gluten makes your tummy upset, George, right? You're sensitive to gluten.

• 9:05George Kamel?

  Gluten's no friend of mine.

• 9:06Rachel Cruze?

  And bourbon is wheat, right? Isn't it made from?

• 9:08George Kamel?

  Yes, they say, though, it's in the distilling process.

• 9:11Rachel Cruze?

  It takes the gluten out.

• 9:12George Kamel?

  Yeah, it doesn't affect most people.

• 9:14Rachel Cruze?

  Okay, maybe I'm wrong.

• 9:14George Kamel?

  I think it's more that bourbon is one of the more sort of toxic liquors, compared to like, a vodka, tequila, like, it's got

• 9:20Rachel Cruze?

  Sure, go clean, George.

• 9:21George Kamel?

  It's been aged a long time.

• 9:22Rachel Cruze?

  Go clean this summer, and see what happens.

• 9:23George Kamel?

  I'm going to be a tequila boy this summer.

• 9:25Rachel Cruze?

  There is good, clean tequila, truly.

• 9:28George Kamel?

  Like, a good sipping tequila, a reposado?

• 9:30Rachel Cruze?

  Uh, yeah, call Winston, he's in, he was into all of that.

• 9:34George Kamel?

  I feel like Winston and I are kindred spirits, he's just like what I could have been.

• 9:39George Kamel?

  Like you could have worked out, you could have had a full beard.

• 9:41Rachel Cruze?

  Y'all were texting this morning, y'all, yeah, y'all's friendship, I think it's getting closer and closer, George.

• 9:46George Kamel?

  Yes.

• 9:46Rachel Cruze?

  I do.

• 9:47George Kamel?

  Can't wait. One day he'll text me.

• 9:48Rachel Cruze?

  All right, next. Blue light blocking glasses. Never bought them, don't need them. Sham.

• 9:56George Kamel?

  I do think they're overrated. And here's the thing, the people that use them, they're always like, oh, no, I think it really helps. No, it definitely helps me. I get less headaches, I swear. I'm like, maybe you just need water.

• 10:06Rachel Cruze?

  Maybe you need water, or not be on a screen for someone.

• 10:09George Kamel?

  Now, there is some science to the blue light. We're staring at screens all day.

• 10:12Rachel Cruze?

  I think it's just another accessory that got put out into the world.

• 10:15George Kamel?

  Yeah. But they are cheap. I mean, comparatively to other things, 10 or 20 bucks for blue light glasses, I'm not mad if you try it out. And we don't stare at screens all day.

• 10:24Rachel Cruze?

  True. I guess, yeah.

• 10:26George Kamel?

  We're not sitting at a desk.

• 10:27Rachel Cruze?

  Yeah, if you're doing computer work all day, every day.

• 10:30George Kamel?

  Can you imagine? I can't even picture you sitting at your desk all day in front of a computer. Like, that's your job.

• 10:35Rachel Cruze?

  What are you talking about?

• 10:36George Kamel?

  You just, you know, you need to be among the people.

• 10:38Rachel Cruze?

  Oh, yeah, I'd be talking too much. People, no one would want to sit next to my desk.

• 10:42George Kamel?

  Put her in front of a camera, not a computer. It would crush your soul, is what I'm saying.

• 10:46Rachel Cruze?

  Oh.

• 10:47George Kamel?

  Based on how you're wired.

• 10:48Rachel Cruze?

  Unless I had fun people around me.

• 10:50George Kamel?

  You know I sit next to you, so that's a little bit hurtful.

• 10:53Rachel Cruze?

  We don't ever sit at our desks here.

• 10:56George Kamel?

  Yeah, we're always in shoots and meetings.

• 10:57Rachel Cruze?

  Yeah, I'm never at my desk, ever. And it keeps piling up.

• 11:01George Kamel?

  It's just like fan mail from 1997, that she's gonna get around to opening, books people have sent her.

• 11:07Rachel Cruze?

  Oh, man.

• 11:08George Kamel?

  An old coffee cup.

• 11:09Rachel Cruze?

  Yeah, we, there's a lot, there's a lot there.

• 11:11George Kamel?

  19 Amazon packages.

• 11:13Rachel Cruze?

  I'm gonna say no to the blue light blocking glasses, but probably because I don't stare at a screen all day, so that is very fair.

• 11:17George Kamel?

  Yeah. And as a person with glasses, I can't wear two glasses at once. That just looks funny.

• 11:22Rachel Cruze?

  That's crazy. So, yep, okay.

• 11:23George Kamel?

  All right.

• 11:24Rachel Cruze?

  Next, noise-canceling headphones.

• 11:27George Kamel?

  This is a good one. Now, the price on these ranges, you could go from 100 bucks for some Sony's, you could go to 500 bucks for some Apple AirPods Max over ear. I'm a fan, my go-to, I wear these probably half of my life, AirPods Pro.

• 11:44Rachel Cruze?

  Okay.

• 11:45George Kamel?

  And it is not AirPod Pros. For those of you in the comments section.

• 11:49Rachel Cruze?

  Wait, wait, wait, stop, say it again.

• 11:50George Kamel?

  It's AirPods Pro, not AirPod Pros.

• 11:54Rachel Cruze?

  So, the S-switches. Are they all Mac products?

• 11:58George Kamel?

  Yeah, they're all Apple.

• 11:59Rachel Cruze?

  Okay, that's someone like, like.

• 12:01George Kamel?

  No, it's not a different product.

• 12:02Rachel Cruze?

  Undercut, undercut Apple, and they're like, we're gonna just switch a letter.

• 12:05George Kamel?

  You got scammed if you bought the AirPod Pros with random branding.

• 12:08Rachel Cruze?

  Okay, one is over here, one is in.

• 12:11George Kamel?

  They're the buds.

• 12:11Rachel Cruze?

  Okay, yeah, yeah, I'm with you. I have the buds.

• 12:14George Kamel?

  Yeah.

• 12:14Rachel Cruze?

  So, keep going. What's the difference?

• 12:16George Kamel?

  I'm just telling you it's not spelled AirPods Pro.

• 12:19Rachel Cruze?

  Oh, they're not two different products?

• 12:21George Kamel?

  No.

• 12:23George Kamel?

  The Max are the over ears.

• 12:25Rachel Cruze?

  Okay.

• 12:25George Kamel?

  So, there's AirPods Max, that's over ear, then you have AirPods Pro, which are the buds.

• 12:29Rachel Cruze?

  Correct way to say it, because you've corrected my espresso and Tesla through our friendship throughout the years.

• 12:33George Kamel?

  Which, I feel like Tesla's on the bubble.

• 12:35Rachel Cruze?

  Which I really appreciate you doing.

• 12:36George Kamel?

  I like a s, you like a z.

• 12:38Rachel Cruze?

  No, no, I go ask now. You've, you've taught me. So, now anytime anyone does, I correct them.

• 12:41George Kamel?

  I don't know that I'm right, I just didn't like how you said it.

• 12:44Rachel Cruze?

  Keep going, AirPods?

• 12:46George Kamel?

  AirPods Pro.

• 12:46Rachel Cruze?

  So, AirPods Pro, not AirPod Pros.

• 12:50George Kamel?

  Exactly.

• 12:50Rachel Cruze?

  Got it. Okay. I have those too. And have you heard they're bad for you?

• 12:54George Kamel?

  I have, because my mother-in-law sends me Instagram reels from the most random accounts.

• 12:58Rachel Cruze?

  Okay.

• 12:58George Kamel?

  That I'm like, this can't be right.

• 13:00Rachel Cruze?

  I don't stop wearing them, sorry, everyone. But what is it? Is it the radiation?

• 13:04George Kamel?

  Something about the EMF, the frequency, and it's like, it's a little overblown.

• 13:10Rachel Cruze?

  Too close to the brain, is what they're saying.

• 13:11George Kamel?

  Sure.

• 13:12Rachel Cruze?

  Maybe, okay.

• 13:13George Kamel?

  But I feel like, you know, based on all the technology around us all the time, and our phones being next to us, and my wife is pretty crunchy, so she got like a little mat that goes on her bed, that the phone sits on to like protect from the EMF, and I'm like, whatever makes you sleep better at night.

• 13:28Rachel Cruze?

  Yes, three pillows or a mat to protect the.

• 13:30George Kamel?

  And you know what? I probably will die sooner than her, and that's fine. She'll collect on life insurance and have a great life. So, that's the honest take. Get life insurance, term life Xander 10 to 12 times your income. Hashtag not sponsored. No, but I think these are life-changing. That's my, I'm gonna say.

• 13:47Rachel Cruze?

  I think, you know what?

• 13:48George Kamel?

  Green.

• 13:49Rachel Cruze?

  I'm with you. Do you know, I, I had the one with the string still.

• 13:54George Kamel?

  I don't think it's called a string, a wire.

• 13:55Rachel Cruze?

  The wire, yeah, with the wire.

• 13:57George Kamel?

  I was like.

• 13:58Rachel Cruze?

  And I upgraded to the buds, and I love them, especially on an airplane. Because I can go, I can do the noise-canceling, even if I'm reading. But it does, it just takes everything out, and it's wonderful.

• 14:12George Kamel?

  Yeah.

• 14:13Rachel Cruze?

  It's great.

• 14:13George Kamel?

  Do you know which ones you have? Because there's the first gen, there's two, and now there's three.

• 14:17Rachel Cruze?

  George, actually, I lost mine on an airplane, so I took Winston's, and then he got some. So, I have his old ones, so I don't know what that is.

• 14:26George Kamel?

  Okay.

• 14:26Rachel Cruze?

  But it's noise-canceling. It goes.

• 14:29George Kamel?

  I don't think it makes that sound, but yeah.

• 14:31Rachel Cruze?

  Yeah, when you press it.

• 14:31George Kamel?

  You hold it down, and it's.

• 14:33Rachel Cruze?

  No, but you press it down, and when you hook up your booth, it goes.

• 14:37Rachel Cruze?

  It like makes a noise.

• 14:38George Kamel?

  I'll need to look into that.

• 14:39Rachel Cruze?

  It makes a noise. Does anyone know what I'm talking about?

• 14:42George Kamel?

  It's not, it's like two, it's like two, it's like. I don't think it's like. That's all I'm saying. Okay, can I tell you this, though?

• 14:50Rachel Cruze?

  Yeah, it makes it.

• 14:51George Kamel?

  I do think they're life-changing to have noise-canceling headphones.

• 14:54Rachel Cruze?

  And I like it.

• 14:54George Kamel?

  But I just bought, I upgraded. I went to Costco the other day, they were on sale, and I bought the threes. So, AirPods Pro three.

• 15:01Rachel Cruze?

  What do you think I'm on? I bet I'm on two.

• 15:03George Kamel?

  I think you're on two.

• 15:03Rachel Cruze?

  I'm on two. Okay, you bought, so there's newer ones.

• 15:06George Kamel?

  There's a newest one.

• 15:07Rachel Cruze?

  Okay, what is it, George? Tell us.

• 15:09George Kamel?

  It's supposed to have double the noise cancellation, so I was like, wow.

• 15:12Rachel Cruze?

  Stop, no, that's a sham.

• 15:14George Kamel?

  But here's the thing, they don't fit in your ear the same way, and they're like, oh, you have to lock them in place. So, you stick them in your ear, like straight, you know, pointing down, and then you turn them towards your mouth, and they sort of like lock in better. But I just feel like they're sort of falling out of my ear. There's different, you know, tip sizes and all that, but I think I'm gonna return them to Costco.

• 15:33Rachel Cruze?

  Costco return? Oh, my gosh. What makes you buy them from Costco, not the Apple Store?

• 15:38George Kamel?

  Uh, forever returns.

• 15:40Rachel Cruze?

  Okay, just because of that.

• 15:41George Kamel?

  And price. Cheaper at Costco, and I can return it forever. And it actually came with Apple Care.

• 15:45Rachel Cruze?

  Oh, that's nice.

• 15:46George Kamel?

  So, if something happened to them, you know, get them replaced.

• 15:48Rachel Cruze?

  Okay, so, okay, thank you. Thank you, consumer reports.

• 15:51George Kamel?

  This is just one man's take. I think the twos is the sweet spot. If you're gonna get them, and that, they're like 150 bucks, so they're, they're expensive, but reasonably priced for how much you will use them.

• 16:01Rachel Cruze?

  I just don't think I look good with big ol'.

• 16:03George Kamel?

  Yes, you had some on the other day, it looked weird. I'm not gonna lie.

• 16:07Rachel Cruze?

  Thank you. And then you have to have a case for them.

• 16:09George Kamel?

  Yeah.

• 16:10Rachel Cruze?

  All of it, yeah.

• 16:11George Kamel?

  I just like, they're, I can fit them in my skinny jeans. That's the key.

• 16:15Rachel Cruze?

  So, yes. And I found out just like two weeks ago, that when I go on my walks around my neighborhood, I'm big into walking now. I'm a walker.

• 16:21George Kamel?

  Big walker. Do you do weighted vests?

• 16:23Rachel Cruze?

  No.

• 16:24George Kamel?

  Okay, we're not there yet. You'll get there.

• 16:26Rachel Cruze?

  I don't need to get there, because I lift weights four times a week, so I feel like I'm getting my, anyways, whatever.

• 16:33George Kamel?

  What a flex.

• 16:34Rachel Cruze?

  Whatever. Anyways, uh, you can leave the little white case at home.

• 16:42George Kamel?

  Yes.

• 16:44Rachel Cruze?

  You had to have it for it to have like a signal to the case.

• 16:48George Kamel?

  No, no, no, no.

• 16:49Rachel Cruze?

  Yep, didn't know that.

• 16:50George Kamel?

  The headphones charge separately from the case.

• 16:52Rachel Cruze?

  Yes.

• 16:53George Kamel?

  So, if you ever open the case, when it's near your phone, it'll show you, hey, your headphones are at 50%.

• 16:57Rachel Cruze?

  I know that, but I thought I had to keep the case with me in range of the headphones to get the headphones working. You don't.

• 17:03George Kamel?

  I should have told you that years ago.

• 17:05Rachel Cruze?

  I can leave the case at home.

• 17:06George Kamel?

  Could have changed your life.

• 17:07Rachel Cruze?

  Just found that out like two years ago.

• 17:08George Kamel?

  She's been carrying around the case for fun.

• 17:09Rachel Cruze?

  I have, I would put it in my pocket, on one side, my phone on the other.

• 17:11George Kamel?

  But the biggest thing is with kids, like, you know, I watch TV at night, so I just put the headphones on so that I can have it on full blast and not wake up anyone.

• 17:19Rachel Cruze?

  You use your headphones for the TV in the living room?

• 17:22George Kamel?

  Yes.

• 17:23Rachel Cruze?

  Wow.

• 17:24George Kamel?

  And for, let's say there's language and my kids are around.

• 17:26Rachel Cruze?

  Okay, Henry's like five months old, George.

• 17:28George Kamel?

  He's almost a year old. Where have you been?

• 17:32Rachel Cruze?

  I don't think he knows.

• 17:33George Kamel?

  But, but my toddler is in the stage where she can repeat everything she hears.

• 17:37Rachel Cruze?

  That is fair, that's fair for me. I would appreciate that.

• 17:40George Kamel?

  It's more because I don't want to get in trouble with Whitney, who will then be like, I can't believe it, she's just said this word today.

• 17:45Rachel Cruze?

  Yes.

• 17:45George Kamel?

  Where did she learn that?

• 17:46Rachel Cruze?

  Where did she learn that? George, put your headphones in. So, she, yep, that's fair. Okay. Oh, my gosh.

• 17:51George Kamel?

  That was a lot.

• 17:52Rachel Cruze?

  That was, that was a lot. It feels like a lot. You know what else is a lot? Our information being online.

• 17:57George Kamel?

  It's too much.

• 17:58Rachel Cruze?

  So much. Get it off, George.

• 18:00George Kamel?

  Get it out of there.

• 18:02Rachel Cruze?

  How do I get it out?

• 18:03George Kamel?

  Well, there's a service Rachel called Delete Me. They do it for you. They scour hundreds of data broker sites, they find all that info that was sitting out there, that was about to get sold to spammers and scammers, and they remove it and keep it gone, and they even send you a custom report, showing you what they've done and how much time they've saved you.

• 18:19Rachel Cruze?

  And you've had theirs a little bit longer than me, than, than I have.

• 18:21George Kamel?

  Yeah, I was a couple of months ahead of you.

• 18:23Rachel Cruze?

  Yes, I'm at 90, it's like 93 hours, and I feel great about it.

• 18:27George Kamel?

  I'm at 136 hours saved.

• 18:29Rachel Cruze?

  That's a lot.

• 18:29George Kamel?

  Between the time to find it and remove it. So, it is, it's a hassle.

• 18:33Rachel Cruze?

  People doing this, you guys, on these like crazy websites, they're sitting there removing your data, and we appreciate companies like this, that go and protect all of our information, because it's like your old addresses, your kids' names, phone numbers, I mean, everything. So, getting it wiped clean, so important.

• 18:47George Kamel?

  We talk about taking control of your money. Well, take control of your digital privacy with Delete Me, and you'll get 20% off their annual plans with our suite code. Go to joindelete.me/smartmoney.

• 18:57Rachel Cruze?

  Beautiful. All right, next up, we got a supplements. AG1 Protein Powder.

• 19:02George Kamel?

  Ooh.

• 19:03Rachel Cruze?

  So, AG1 Greens.

• 19:04George Kamel?

  That's a wide range in the supplement world.

• 19:06Rachel Cruze?

  So, AG1 Greens are about $79 a month with a subscription.

• 19:10George Kamel?

  Yeehaw.

• 19:11Rachel Cruze?

  A bottle of supplements can be around $30 for a 60-day supply, and a tub of protein powder could run you around $50 to $60 a month. Uh, or two months and for your smoothies, so.

• 19:25George Kamel?

  How do I, this one's such a spectrum. It's wild to say that none of this matters and it's also crazy to say that one of these will change your life forever.

• 19:35Rachel Cruze?

  Okay, I hate to say AG1 greens. Is that just like people?

• 19:39George Kamel?

  They AG Athletic Greens, they've sort of popularized the like, hey, all of the things you need in a little powder.

• 19:45Rachel Cruze?

  Okay, it's just right there and you just.

• 19:47George Kamel?

  Sort of your green smoothie, all that. I'm gonna go right in the middle on this one, depending on what the supplement is, how much it's hyped and how much it costs. You know what the big one is right now that everyone's enthralled with? Creatine.

• 20:01Rachel Cruze?

  Oh, yes. I've been doing that for years.

• 20:03George Kamel?

  Before it was cool?

• 20:04Rachel Cruze?

  Yes.

• 20:04George Kamel?

  Can I tell you what I got from Costco? They have creatine gummies.

• 20:08Rachel Cruze?

  Oh.

• 20:09George Kamel?

  Which I know are not ideal, but my wife was like, hey, we all know you're not gonna do it in powder form.

• 20:15Rachel Cruze?

  Okay.

• 20:16George Kamel?

  Make it a candy.

• 20:17Rachel Cruze?

  Make it a candy and George will eat it. Okay. How many a day?

• 20:21George Kamel?

  It says to take five.

• 20:23Rachel Cruze?

  Oh, wow.

• 20:24George Kamel?

  And they're watermelon and they're very chewy. So it's like a lot. They're not great. I'm gonna put that out there, not recommending this. But if you're like me and you're used to Flintstone gummies, it might hit the spot.

• 20:34Rachel Cruze?

  The Flintstone gummy era. That was a great era.

• 20:37George Kamel?

  But overall, how many supplements do you guys do at home?

• 20:40Rachel Cruze?

  I'm the least. I'm, I do, I do a protein shake. So I do two scoops of whatever the protein is, like whey protein. And then I do, um, I think it's like a, it's not a table, a teaspoon of.

• 20:51George Kamel?

  A dollop, if you will?

• 20:52Rachel Cruze?

  Of protein powder. And I am hardcore and I just fill it up with water, shake it and chug it and I'm done.

• 20:59George Kamel?

  You know what? That's because you drink Keurig, I think you're used to things just tasting bad and being okay with it. I think you've trained your body for this moment.

• 21:07Rachel Cruze?

  I have a low bar. Yeah, I don't need, I don't need to be messing up a blender. I don't need dishes. I'm good. I can just, yeah, chug it. But I do, I do think there are things to put into your body that are good, that actually do help fuel and help you. For sure, I think that, yeah.

• 21:22George Kamel?

  I'll tell you the ones that I think are helpful to me, because I can tell when I don't.

• 21:25Rachel Cruze?

  I don't do supplements, though. Sharon, sorry, Mom.

• 21:27George Kamel?

  She's a big supplement girl.

• 21:29Rachel Cruze?

  Yeah.

• 21:29George Kamel?

  I do magnesium glycinate up night.

• 21:32Rachel Cruze?

  Okay.

• 21:32George Kamel?

  I think.

• 21:33Rachel Cruze?

  You know, Winston does that. Yeah, it helps you sleep well. Yes, Winston does that.

• 21:37George Kamel?

  And I do a probiotic as well.

• 21:38Rachel Cruze?

  Okay, that's good. Yeah, yeah, yeah.

• 21:40George Kamel?

  That's it.

• 21:40Rachel Cruze?

  Good for you, George.

• 21:41George Kamel?

  That's all I do. I could prob, I could do more. But I feel like if I'm gonna do a protein powder, I should probably also work out. You know what I mean?

• 21:46Rachel Cruze?

  Well, yeah, I do it after my workout.

• 21:47George Kamel?

  Is it doing anything if I just take protein powder?

• 21:49Rachel Cruze?

  Yeah, you're just getting some protein.

• 21:51George Kamel?

  Just getting more protein.

• 21:52Rachel Cruze?

  Just protein, protein, protein. That's the new thing. That's the newest, or not the newest.

• 21:56George Kamel?

  This one's a, this one's a tread with caution for me.

• 21:58Rachel Cruze?

  Okay.

• 21:59George Kamel?

  Especially if it's being advertised to you a lot. I would just do some research before you buy it.

• 22:05Rachel Cruze?

  Okay. Um, next up, what is this? Beignet?

• 22:11George Kamel?

  It's not a beignet, although that's a delicious, if you go to New Orleans sometime, get a beignet.

• 22:17Rachel Cruze?

  That's what it looks like.

• 22:18George Kamel?

  It's a bidet.

• 22:19Rachel Cruze?

  Bidet. Oh, bidet.

• 22:20George Kamel?

  Bidet.

• 22:23George Kamel?

  There was no G, there was no N. How does she get to?

• 22:25Rachel Cruze?

  I just thought, that's definitely French sounding.

• 22:28George Kamel?

  I hope that one day you're in, you're in France, looking for, looking for a bidet.

• 22:33Rachel Cruze?

  Can I have a bidet, please?

• 22:34George Kamel?

  I'm looking for the beignet.

• 22:35Rachel Cruze?

  I'm looking for a beignet, please.

• 22:37George Kamel?

  Leave it to the French to make it complicated. So a bidet is an attachment you put on the toilet and it shoots high pressure water and it's big in Europe and it's now the craze among the youth.

• 22:51Rachel Cruze?

  Among the youth.

• 22:51George Kamel?

  It's supposed to be, I guess, more hygienic and

• 22:55Rachel Cruze?

  Silly.

• 22:56George Kamel?

  reduced toilet paper usage.

• 22:58Rachel Cruze?

  Silly.

• 22:59George Kamel?

  They have really fancy ones. This can range from like 30 bucks to $2,000. They have ones that, you know, it's heating the seat, the water's heated.

• 23:07Rachel Cruze?

  I've seen ones that are like automatic, you walk up and the toilet seat goes up for you, like, yeah, the whole thing.

• 23:13George Kamel?

  It's giving you affirmations while you're on the toilet. They can do a lot these days. So are these, um, life-changing? I think for the people that use them, yes. So I think if I got into it, if I was willing to go over that hump, I'm gonna go, this is, this could be life-changing.

• 23:29Rachel Cruze?

  We disagree. I think this is so silly. And not because I couldn't pronounce it at first.

• 23:34George Kamel?

  European Union would like to have a word.

• 23:36Rachel Cruze?

  I know, I know. I, no, man.

• 23:41George Kamel?

  Don't you think Europe looks at us and goes, how barbaric? They're just wadding up toilet paper like this?

• 23:46Rachel Cruze?

  Just unbelievable. But surely they use toilet paper.

• 23:49George Kamel?

  I think far less. The toilet paper industry is relying on America to survive, is what I'm saying.

• 23:55Rachel Cruze?

  Oh, Sharman, just hanging a tat on.

• 23:58George Kamel?

  Big TP is out to get you.

• 24:00George Kamel?

  They don't want you buying a bidet.

• 24:02Rachel Cruze?

  Yeah, no. I mean, listen, if you're worth a gazillion dollars and you got a gazillion dollar house and all the things and you got a nice toilet, I would expect that. For 99% of us, like, no, we don't need that.

• 24:13George Kamel?

  It's, but it's not a luxury item anymore, is what I'm saying. For 30 bucks, you can get the attachment going.

• 24:17Rachel Cruze?

  I just, I just think it's.

• 24:19George Kamel?

  They don't have to be fancy. Well, we disagree on that one. That's good. That's a win. Let's move on to something less problematic.

• 24:26Rachel Cruze?

  Robot vacuums. You can get one like a Roomba for 150 bucks. I like it. Especially if you have a dog that sheds.

• 24:35George Kamel?

  I'm, I'm out on this one. I'm gonna say thumbs down on the robot vacuum.

• 24:39Rachel Cruze?

  Why? Not as good or what?

• 24:40George Kamel?

  It just feels like it, you still have to then vacuum after it vacuums and then it's stuck and you gotta go help it.

• 24:45Rachel Cruze?

  Yeah, true, true. That's, that can happen.

• 24:49George Kamel?

  And I've heard horror stories.

• 24:50Rachel Cruze?

  I know.

• 24:51George Kamel?

  I'm just thinking about like, the dog went in the house, the Roomba picked it up, flung it everywhere. Now you got a whole new mess to clean up.

• 24:58Rachel Cruze?

  That, I, I have a legit friend that that legitimately happened to. Like, that wasn't like a hearsay thing. Yes, that happened to one of my friends. Horrible.

• 25:06George Kamel?

  New fear unlocked. Let me just say that.

• 25:09Rachel Cruze?

  I know, but when we had our lab, she shed so much and she was in the house a lot. But I would run that thing every day, like before I went to work, I'd just start. And it would run and then it'd go back to its little station, charge. And then I would have to like empty the filter every day. But she, but it picked up so much, it was so nice. I wouldn't there sweeping all day.

• 25:26George Kamel?

  I just don't think it's life-changing. I think it's a helpful tool for some families.

• 25:31Rachel Cruze?

  Okay.

• 25:31George Kamel?

  Also, caveat, my dog attacks any vacuum in the house, so we can't run it. We cannot run it.

• 25:38Rachel Cruze?

  You don't have a great environment for one. That's fair.

• 25:41George Kamel?

  I'm biased.

• 25:41Rachel Cruze?

  All right, next, therapy.

• 25:43George Kamel?

  Oh.

• 25:45Rachel Cruze?

  Okay, so, uh, hour-long session, I think can range from 100 bucks, 200 for some therapists.

• 25:53George Kamel?

  And there's sliding scales, so it could be close to free now, depending on your income, depending on your insurance. So it's gotten a lot more reasonable.

• 26:01Rachel Cruze?

  For sure.

• 26:02George Kamel?

  It's not for the elite. Now it's for everybody. And I do like that therapy has become more, I don't know, more talked about?

• 26:09Rachel Cruze?

  Yes.

• 26:10George Kamel?

  Less villainized.

• 26:11Rachel Cruze?

  I'm a pro, I love it. I think it's great. Because I do think we are mind, body, soul, spirit, like all of it is so connected. And if your mind is not well, your emotions aren't well, I think it does affect, it does. I mean, I think it's proven. It affects every other part of your life, including your physical health and everything. And so there's just something about unpacking what's going on in your life, having a, and again, you have to have a great therapist. If you have someone that's like terrible.

• 26:36George Kamel?

  Yeah, if you had one bad experience, don't judge it based on that.

• 26:39Rachel Cruze?

  No, no. And I think take time to find a good one that fits your personality and you and you have good, you know, good vibe with. But a lot of them, they're so smart, so smart. They can hold a lot, nothing shocks them. They can kind of unpack and ask good questions and all of it. I just think it's wonderful. I do.

• 26:57George Kamel?

  I compare it to a massage, but for the mind.

• 26:59Rachel Cruze?

  Oh, my gosh.

• 27:01George Kamel?

  Cause you kind of leave feeling like better and nothing physically happened. You just kind of got a lot out, you talked through it, worked it out.

• 27:09Rachel Cruze?

  And they bring up points that connect dots for you that you may never have noticed and been like, oh my gosh, that is, that has more to do with me.

• 27:15George Kamel?

  And they're, compared to anything else in life, you got a third-party expert in your corner. For everything else in life, why would you not do that?

• 27:23Rachel Cruze?

  That's right. Yeah, you have a, yeah, you gotta get a trainer for your physical health, nutritionist for your, I mean, all of it, right? You find people. So, yeah, I am pro that.

• 27:32George Kamel?

  A great tool for self-awareness as well.

• 27:33Rachel Cruze?

  Now, I do think that it's seasonal. I think being in it forever and ever and ever and ever.

• 27:38George Kamel?

  I feel like I've been going once a week for 14 years.

• 27:40Rachel Cruze?

  Right. I do think that like there's seasons for it. So like, have some seasons of it and I think it's great. Have someone.

• 27:46George Kamel?

  All right. Hey, that's a win for both of us.

• 27:47Rachel Cruze?

  We like that. All right.

• 27:49George Kamel?

  I like it.

• 27:50Rachel Cruze?

  We like it.

• 27:51George Kamel?

  All right, next up is apps. And I'll categorize this as sort of health apps. So think spiritual health, physical health, mental health, meditation, devotional, workout, sleep scores. I think our society wants to like measure everything in our life. We, we like that and we like to have a tool that can help us regulate.

• 28:13Rachel Cruze?

  Yes, with these things. Yeah. I think I'm pro this. Sure. I think it's great. People love like the Oura ring. It's like 70 bucks a year. I've never done that. But I know a lot of people that have. And I think it gives you good information, all of it. Yeah, I'm, I'm pro.

• 28:26George Kamel?

  What's your take on sleep scores?

• 28:28Rachel Cruze?

  Hate sleep scores.

• 28:29George Kamel?

  Oh, not a fan of that? Like the Whoop band and all that? I know your brother was into the Whoop for a while. Does he still do it? Is Winston a Whooper?

• 28:37Rachel Cruze?

  No, he's a Garmin.

• 28:38George Kamel?

  Oh, he's a Garmin guy now.

• 28:39Rachel Cruze?

  Garmin guy. Uh, so he gets a sleep score and all the HR.

• 28:43George Kamel?

  HRV?

• 28:43Rachel Cruze?

  Vs, yes. Your oxygen, when you, all of it, yeah. Okay, here's the thing. I think it's a self-fulfilling prophecy.

• 28:50George Kamel?

  Yes.

• 28:50Rachel Cruze?

  I think if your sleep score said you got an 85, I think you're like, ah, that's pretty good.

• 28:56George Kamel?

  That's who you carry yourself through the day.

• 28:57Rachel Cruze?

  I think I slept good. And then if it's like you got a 23, you're gonna be like, oh, it's, today's gonna be so tough. I got a 20. I think it's a self-fulfilling prophecy. I don't.

• 29:06George Kamel?

  You just gave me the best idea. I'm gonna make a sleep score app that always gives you a good score. It's always positive.

• 29:12Rachel Cruze?

  Feel good.

• 29:12George Kamel?

  It's like, hey, I know you probably had one too many drinks last night, but all things considered, you're doing great.

• 29:17Rachel Cruze?

  You're actually, yeah. 93.

• 29:19George Kamel?

  87.

• 29:20Rachel Cruze?

  Go have a great day. 93. No, I had an app that tracked my sleep score one time. This was years ago. And you had to like lay it next to your bed, like your pillow.

• 29:27George Kamel?

  Oh, yeah.

• 29:28Rachel Cruze?

  Which makes no sense to me. And I couldn't sleep all night. Couldn't sleep.

• 29:32George Kamel?

  Knowing that it was tracking you.

• 29:33Rachel Cruze?

  Cause I was like, get a good score, Rachel, get a good score.

• 29:35George Kamel?

  You are so competitive, it's a toxic trait for you.

• 29:38Rachel Cruze?

  Seriously, I couldn't sleep and I was like, this is horrible.

• 29:40George Kamel?

  And then you're comparing yourselves to Winston's score and like, hmm, a bit better than you.

• 29:43Rachel Cruze?

  So I think I just wake up at an 87 every morning. That's what I'm gonna say.

• 29:49George Kamel?

  What's your take on the apps? It's hard to do an overall take, but I would say.

• 29:53Rachel Cruze?

  Like, some apps are great. I am a pro.

• 29:56George Kamel?

  I would say some of these are life-changing.

• 29:59Rachel Cruze?

  Yes.

• 29:59George Kamel?

  And can I throw another one in for financial health?

• 30:01Rachel Cruze?

  Oh, yeah, go.

• 30:02George Kamel?

  Every dollar.

• 30:03Rachel Cruze?

  Okay, life-changing.

• 30:04George Kamel?

  That's also great for financial health.

• 30:06Rachel Cruze?

  It's one of the best rhythms you can be in with your money.

• 30:09George Kamel?

  Tracking your sleep, not as great as tracking your money. Hot take.

• 30:13Rachel Cruze?

  Tracking your money will allow you to have a better sleep score. Take that. What do you think about that?

• 30:19George Kamel?

  We just went full circle. I love it. So go check out EveryDollar. If you check out no other app, that one's worth it.

• 30:25Rachel Cruze?

  Yeah, that's a good one. But yeah, I'm a pro app gal.

• 30:28George Kamel?

  I have a lot of apps. I think we've actually compared how many apps we have on our phone and it was hilariously.

• 30:32Rachel Cruze?

  You have a lot more than I do.

• 30:34George Kamel?

  I think I had in like 300 plus.

• 30:36Rachel Cruze?

  Yes. You know, I got my newest one that I do.

• 30:38George Kamel?

  People want to know what's Rachel's home screen looking like.

• 30:41Rachel Cruze?

  I'm on my spiritual journey and George and everyone that's around me hear about it, but it's called centering prayer.

• 30:46George Kamel?

  Oh.

• 30:46Rachel Cruze?

  Yeah.

• 30:47George Kamel?

  What's that about?

• 30:47Rachel Cruze?

  Thomas Keating. So you go through and it like walks you through and it has like a beginning sound so you can like pick a sound, but it takes you into contemplative prayer.

• 30:55George Kamel?

  Love this.

• 30:56Rachel Cruze?

  And you get like a timer and you do a closing prayer with like a song.

• 30:59George Kamel?

  Okay, what's it called there? You're now like a spiritual app influencer.

• 31:02Rachel Cruze?

  Centering prayer. It's free.

• 31:03George Kamel?

  Completely free. Okay.

• 31:05Rachel Cruze?

  You know who told me about it was Brian Buffini.

• 31:07George Kamel?

  Oh, yeah.

• 31:08Rachel Cruze?

  At Entree, we were sitting next to each other at dinner and we were talking about this stuff and he was like, oh my gosh, have you, do you have the app that helps with contemplative prayer? I was like, no. And I love it. It's so, it's so good.

• 31:18George Kamel?

  Okay. So 18,000 reviews, five stars. Who am I to disagree?

• 31:22Rachel Cruze?

  I know. And I think the guy, Thomas Keating was a monk. Can't disagree with a monk, right? I don't know. It feels like he knows more than, he knows more than we do.

• 31:30George Kamel?

  I'm checking in on the apps. I'm seeing how many I currently have. I'm at 297. I've actually scaled down.

• 31:35Rachel Cruze?

  How do you see? I want to see what mine is.

• 31:36George Kamel?

  If you go to, this is good for everyone at home. If you go to your settings,

• 31:40Rachel Cruze?

  Okay.

• 31:40George Kamel?

  then go to general, then click about.

• 31:42Rachel Cruze?

  Hold on, hold on, too fast.

• 31:44George Kamel?

  Settings, general, about.

• 31:45Rachel Cruze?

  Check, check, check.

• 31:46George Kamel?

  And then scroll and you'll see applications right above capacity.

• 31:49Rachel Cruze?

  See it? Okay. What are you?

• 31:51George Kamel?

  297.

• 31:52Rachel Cruze?

  Wow. What'd you guess mine is?

• 31:54George Kamel?

  82.

• 31:55Rachel Cruze?

  Up.

• 31:56George Kamel?

  104.

• 31:57Rachel Cruze?

  Little up.

• 31:58George Kamel?

  122.

• 31:59Rachel Cruze?

  Oh, down.

• 32:00George Kamel?

  Okay, sorry.

• 32:02Rachel Cruze?

  109.

• 32:03George Kamel?

  109.

• 32:04Rachel Cruze?

  But I also, which is so not Rachel, I need to take it off. I have MLB ballpark app for tickets when we went to the Rockies.

• 32:12George Kamel?

  The things you do like one time in your life.

• 32:14Rachel Cruze?

  So yeah, I'm like, get that out of here. So yeah, there's a couple I can just delete. So I'm going to go a solid 100 for me.

• 32:20George Kamel?

  But do you have your apps categorized in folders alphabetically? Then you're not doing it right.

• 32:26Rachel Cruze?

  Do you think I do, George? Do you think I do?

• 32:29George Kamel?

  Okay, that was fun. I enjoyed that.

• 32:30Rachel Cruze?

  That's good. Okay.

• 32:31George Kamel?

  I love an app.

• 32:32Rachel Cruze?

  We love some apps. Yeah. You know who else has an app that's great?

• 32:35George Kamel?

  Who's that?

• 32:35Rachel Cruze?

  Cozy Earth.

• 32:36George Kamel?

  Now we're talking.

• 32:37Rachel Cruze?

  Yeah. You know, you need some good quality products in your life, some good sheets, bath towels, pajamas, athleisure wear. I mean, all of it. Cozy Earth's got you.

• 32:47George Kamel?

  I like it. And we have special bundles. They're made just for us.

• 32:50Rachel Cruze?

  Which I love.

• 32:50George Kamel?

  Very excited about this. We need, we need to know if people have done this out there. Let us know in the comments. My bundle includes the lake house clog, which is a daily driver for me when I get home. Slipping out of these, slipping into the clog. And then the first layer pajama, short sleeve tee and shorts set feels so good, especially in the summertime, hot outside. Throw that bad boy on. It's got that like cool feel all the time, cool side of the pillow. And then of course, the men's essential calf sock in a four pack.

• 33:16Rachel Cruze?

  Winston Cruz has those. Just last night, he popped his feet up. I was like, oh baby, you got your Cozy Earth.

• 33:22George Kamel?

  Look at him.

• 33:23Rachel Cruze?

  Yeah, your socks.

• 33:24George Kamel?

  You're an influencer. You influenced Winston.

• 33:26Rachel Cruze?

  He may have bought your, your bundle.

• 33:28George Kamel?

  That's fantastic. What about your bundle?

• 33:30Rachel Cruze?

  Uh, mine has the luxe bath sheets. So large bath towels, bamboo knit pajamas, which are fantastic, and the bamboo knit robe, which I love. So yeah.

• 33:38George Kamel?

  And to sweeten the deal, they're giving 40% off to our listeners on these exclusive bundles. Limited time offer. Get yours while supplies last. Go to cozylearth.com/smartmoney and use promo code SMARTMONEY at checkout.

• 33:51Rachel Cruze?

  All right, next, air tags.

• 33:53George Kamel?

  Now you're speaking my language. Life changing.

• 33:57Rachel Cruze?

  Really?

• 33:58George Kamel?

  Think about all the things you could lose in your life and how much money and time it would cost you to have to go create another version of that.

• 34:05Rachel Cruze?

  Yeah. I don't know.

• 34:07George Kamel?

  Why are you out on air tags? Who hurt you?

• 34:09Rachel Cruze?

  I, I, well, I don't check bags at the.

• 34:13George Kamel?

  Okay, so luggage is a great.

• 34:15Rachel Cruze?

  The luggage one is good. Like if I was like.

• 34:16George Kamel?

  Use case.

• 34:17Rachel Cruze?

  Yes. So I can see that one. What else? I mean, my, what else do I need?

• 34:20George Kamel?

  I'll show you all the things I have air tags on currently.

• 34:23Rachel Cruze?

  Oh my gosh.

• 34:23George Kamel?

  So if you go to find my, which is the best app Apple has ever invented for

• 34:28Rachel Cruze?

  I appreciate.

• 34:29George Kamel?

  women who lose their phones, which is all the time.

• 34:31Rachel Cruze?

  That was my AirPods though. When I lost my AirPods, they were on a flight and I was watching it travel around. I was like, oh man. Never getting those back.

• 34:39George Kamel?

  I have it on every car key.

• 34:41Rachel Cruze?

  Even your little, your little.

• 34:43George Kamel?

  Not the Tesla one, because the Tesla finds itself and you don't have a physical fob these days. I have it in my backpack because I lose, I leave my backpack in a meeting room and I go, where the heck did I drop my backpack? I have it for my mailbox key.

• 34:56Rachel Cruze?

  I think you should be more responsible, George.

• 34:58George Kamel?

  And I have my house and attic keys also have an air tag because can't lose those. So yeah, everything. Throw it in a bag, attach it to whatever thing in your life. And I get these little cheap rings on Amazon. You can place the air tag in.

• 35:09Rachel Cruze?

  Yeah, I've seen that.

• 35:10George Kamel?

  So it has a little keychain attachment. Put it on your kid.

• 35:13Rachel Cruze?

  Well, someone did say that and then I don't know. I don't know. No, it's just not my thing. So I'm gonna know.

• 35:19George Kamel?

  Well, hey, try it out for yourself. I mean, for, they're like 25, 29 bucks a pop for these.

• 35:23Rachel Cruze?

  If you need it and it sounds appealing, if you're in George's camp.

• 35:26George Kamel?

  If you've ever lost anything in your life, this is for you. That's a better sales pitch for what an air tag can do.

• 35:32Rachel Cruze?

  Okay, next, portable chargers. Yes, yes, and amen. These are life changing for me.

• 35:37George Kamel?

  Definitely life changing, especially when you need it most.

• 35:40Rachel Cruze?

  Love a portable charger.

• 35:41George Kamel?

  Nothing is worse than your phone dying and you're like, what's going to happen if my phone dies and I need to get in touch with someone? They need to get in touch with me.

• 35:48Rachel Cruze?

  All of it. Just plug it right in.

• 35:49George Kamel?

  Get the Uber.

• 35:50Rachel Cruze?

  Yep. All of it. And.

• 35:52George Kamel?

  And as much as we use our phones, the battery's always running low.

• 35:54Rachel Cruze?

  Yes. So yep, that's a, that's a yes. Athleisure attire.

• 35:58George Kamel?

  Athleisure attire, life changing? That feels like a strong word. I'm, I'm going to go nay on like, will it change your life? It will increase your quality of life, but is it?

• 36:10Rachel Cruze?

  Increase, but change, life change. Yeah, I'll go no too. I'm with you.

• 36:13George Kamel?

  But influencers will tell you all athleisure. And again, we love athleisure around here, but life changing is a strong word.

• 36:19Rachel Cruze?

  Yeah, we like, I like soft clothes. How about that?

• 36:22George Kamel?

  Yeah.

• 36:22Rachel Cruze?

  Just give me some soft clothes.

• 36:23George Kamel?

  But you know when people are like, oh my gosh, these aloe leggings have changed my life. No, they didn't. You just wanted to mention that you went to aloe. How did that become the new Lulu, by the way?

• 36:33Rachel Cruze?

  I know. And it's like so expensive.

• 36:35George Kamel?

  It makes Lulu look cheap.

• 36:36Rachel Cruze?

  I know. I know. Bougie-ness.

• 36:39George Kamel?

  How do they do it? Now I'm thinking, does aloe own Lulu and they're just creating a more premium brand?

• 36:45Rachel Cruze?

  Oh, to capture all, all the girls looking for leggings.

• 36:48George Kamel?

  Lexus and Toyota.

• 36:49Rachel Cruze?

  Yeah. It's like their luxury side of it.

• 36:51George Kamel?

  That's my conspiracy theory. They're in cahoots.

• 36:53Rachel Cruze?

  They're in cahoots. Lasik eye surgery.

• 36:57George Kamel?

  Oh.

• 36:58Rachel Cruze?

  Life.

• 36:59George Kamel?

  Yeah, that's life changing for sure. And you, what's the one that you did?

• 37:03Rachel Cruze?

  I know. I had to do PRK.

• 37:04George Kamel?

  PRK, which is different than Lasik.

• 37:06Rachel Cruze?

  Yeah. Yeah. You get the same results. My cornea was just too thin.

• 37:10George Kamel?

  Oh, I'm so sorry.

• 37:11Rachel Cruze?

  No, thank you. It was very hard news.

• 37:13George Kamel?

  How did they break the news to you?

• 37:14Rachel Cruze?

  Very, very hard news. I had such bad, I had terrible vision.

• 37:19George Kamel?

  Do you remember your?

• 37:20Rachel Cruze?

  I was like negative eight point two five or something?

• 37:25George Kamel?

  That's pretty wild.

• 37:26Rachel Cruze?

  No, I was, I was like legally blunt. I mean, genuinely.

• 37:29George Kamel?

  Yeah, you're on the, on the bubble.

• 37:30Rachel Cruze?

  I told you the story about me wearing my glasses to my lecture hall in college. I've told this story.

• 37:34George Kamel?

  I don't remember this at all. Maybe I wasn't paying attention to your story. I apologize.

• 37:38Rachel Cruze?

  All the girls in college would like wear their glasses and like t-shirts and like jean skirts were like big when I was like in college. The people were like, wear t-shirts and jean skirts.

• 37:46George Kamel?

  Did you go to a men's night college?

• 37:50Rachel Cruze?

  No.

• 37:50George Kamel?

  It was UT?

• 37:51Rachel Cruze?

  Yeah, but jean skirts were like in, yeah.

• 37:54George Kamel?

  Okay.

• 37:54Rachel Cruze?

  Or they, or you'd wear like an athletic short. This is like before athleisure stuff though, but like, so to wear a t-shirt and shorts to class was very much like the casual look. So people would wear their glasses as well, like not put in.

• 38:06George Kamel?

  To match the casual look?

• 38:08Rachel Cruze?

  Yes. Not to, they wouldn't put in their contacts. They, but they'd wear their glasses. So you're like, it fits the look. And it was a cute look.

• 38:13George Kamel?

  So it's part of the look.

• 38:15Rachel Cruze?

  And I wanted to do the look. And so I wore my glasses. Well, my glasses, I had to have like, it's like a.

• 38:22George Kamel?

  High index lenses?

• 38:23Rachel Cruze?

  I had a, yeah, I had a thicker frame, but then mine were so thick, the actual lens, that it came, popped out of the glasses in the back.

• 38:31George Kamel?

  Oh.

• 38:31Rachel Cruze?

  So it was like a full, I mean.

• 38:33George Kamel?

  This is before they had high index lenses. Cause nowadays.

• 38:36Rachel Cruze?

  I don't know what you're talking about. Yeah. I don't know what that means.

• 38:39George Kamel?

  Just assume that I'm right for once.

• 38:40Rachel Cruze?

  Okay, this is like, go like to, this is like 2006. Okay. I'm in my lecture hall in college, listening to the professor and I hear these two guys behind me and literally they say, I hear them. I hear them. They're not even like trying to whisper.

• 38:57Rachel Cruze?

  Dude, dude, look at the girl in front of us. Look at the size of her glasses. No joke. And I'm like, I know they're talking about me. And then the other guy goes, my gosh, yeah, they're thick. You can like, and I was like, oh my God, never again, ever again. Could I wear my glasses in public?

• 39:14George Kamel?

  You ready for this?

• 39:14Rachel Cruze?

  Terrible.

• 39:15George Kamel?

  Sounds like your spectacle's made a spectacle.

• 39:19George Kamel?

  I'll be here all week.

• 39:22Rachel Cruze?

  Anyways.

• 39:22George Kamel?

  Cancel me for it.

• 39:23Rachel Cruze?

  I'm saying all this to say a terrible vision, thick glasses, wore contacts. Basically, as long as I can remember. And then got PRK done and it unbelievable.

• 39:35George Kamel?

  That's a for sure life changer.

• 39:36Rachel Cruze?

  Yeah, because I would sleep in my glasses when I would travel by myself for work. I'd like have a hotel room. I would sleep in my glasses.

• 39:42George Kamel?

  Out of fear?

• 39:43Rachel Cruze?

  Yes.

• 39:44George Kamel?

  If an intruder came in?

• 39:44Rachel Cruze?

  Yes, someone came in to try to kidnap me and I had to line up at the police station. I had to find the person, but I had my glasses on. I'd be like, I literally can't see. I don't know. I have no idea who they are. So I wore my glasses to bed, thinking I, I can see the person if they attack me. How horrible is that, George?

• 40:02George Kamel?

  Well, I'll, I'll give you this. I have this weird, and this is again, not a realistic situation, but I'm scared if I ever get in a fight, all they would need to do to win is remove my glasses. Because then I can't see anything. Yeah, I'm a negative like six, seven, five.

• 40:15Rachel Cruze?

  Okay.

• 40:16George Kamel?

  So it's, it's up there. It's like, I can't see anything.

• 40:18Rachel Cruze?

  Yeah, that is pretty bad.

• 40:19George Kamel?

  Everything's just sort of like shapes and shadows.

• 40:21Rachel Cruze?

  A hundred percent, yes.

• 40:22George Kamel?

  Anything that's far away.

• 40:23Rachel Cruze?

  George, would you ever get, I can't see without glasses.

• 40:25George Kamel?

  That's the thing is it's kind of part of the look now.

• 40:28Rachel Cruze?

  Yeah.

• 40:29George Kamel?

  It's not a cool look when I take them off. And we've done this on the show.

• 40:32Rachel Cruze?

  Okay, yeah.

• 40:33George Kamel?

  Not fun, but it's, you know, 1,500 bucks to five grand per eye.

• 40:36Rachel Cruze?

  It's a, no, it's a lot. It's a lot.

• 40:38George Kamel?

  And most insurance is not going to help with that.

• 40:40Rachel Cruze?

  Yeah, but I'm telling you, if you can save up and do it, it is one of the best things I've ever done. So.

• 40:45George Kamel?

  Wow, okay. That's a life changer.

• 40:47Rachel Cruze?

  Yep, yep. Another great thing that I did, that I do love is signing up for Fairwinds and putting my money there. Fairwinds Credit Union, they are incredible. Everything from like the ease of the customer service to getting a high, we talk about high yield checking accounts all the time. So with the smart bundle, you get a, you get a checking account, no fees. You get up to 10 high yield savings accounts. And then you get the Ramsey debit card, debt is normal, be weird. But having a banking institution, if you will, on your side, it's actually pro you. Like they're wonderful.

• 41:20George Kamel?

  They don't exist to push debt products on you and ding you with fees. They want to see you win with money. They're huge fans of the Ramsey principles and they've been such an awesome partner. And got this call on the Ramsey show. Dad calls in and says, hey, my daughter is traveling internationally. I want to make sure she's going to be okay using her debit card. I went, oh, well, Fairwinds debit card has no international transaction fees.

• 41:40Rachel Cruze?

  Yes, thanks to you, George. I think you're, you're.

• 41:42George Kamel?

  That's right. They saw my video on this and they said, hey, let's make sure that we serve those Ramsey fans well and get rid of any kind of transaction fees.

• 41:50Rachel Cruze?

  That's right.

• 41:50George Kamel?

  So check them out. Go to fairwins.org/Ramsey to get that smart bundle today.

• 41:55Rachel Cruze?

  All right. Last but not least, pickleball.

• 41:58George Kamel?

  What a great one to end on.

• 41:59Rachel Cruze?

  Life changing or not?

• 42:01George Kamel?

  Of all the things people say is life changing. Pickleball is like the new MLM. It's like everyone's talking about it.

• 42:06Rachel Cruze?

  Everyone's doing it.

• 42:07George Kamel?

  They're trying to get you in on it. It's exhausting.

• 42:09Rachel Cruze?

  Yeah, it's fun though.

• 42:11George Kamel?

  It is fun. I've played.

• 42:12Rachel Cruze?

  Yes, I know.

• 42:13George Kamel?

  But it has become an obsession.

• 42:15Rachel Cruze?

  A little mahjong and a pickleball, that's a fun, that's a fun afternoon.

• 42:17George Kamel?

  We should have included mahjong on the life changing list.

• 42:19Rachel Cruze?

  That's a fun.

• 42:20George Kamel?

  That's your new thing.

• 42:21Rachel Cruze?

  I know y'all. I'm like 48 hours in and I can't stop thinking about it.

• 42:27George Kamel?

  Do you have like a mahjong club?

• 42:28Rachel Cruze?

  No, oh, no, no. I have some friends that play. I literally texted like 10 people yesterday. I was like, anyone want to play mahjong this weekend?

• 42:36George Kamel?

  Is it female centric? Like, why don't men play mahjong?

• 42:39Rachel Cruze?

  No, I think they can. I told Winston, he would be good at it too. It's just a big puzzle game. It's like a deck of cards. It's like a card.

• 42:44George Kamel?

  I just never heard of a guy being like, dude, I played mahjong last night.

• 42:47Rachel Cruze?

  And the funny thing is too, it's funny that it is so women centric because you can't really talk to your, I mean, you, it's not like Mexican train dominos or like bunko or like a pretty social type game. It's, it's actually like, you really have to.

• 43:02George Kamel?

  It's focus intensity over time.

• 43:03Rachel Cruze?

  Yes.

• 43:06Rachel Cruze?

  But anyways, but I like, I'm a pro pickleball. I think it's fun. I think you can pick it up easily.

• 43:11George Kamel?

  Yeah. If you struggled with tennis, you're going to thrive with pickleball.

• 43:14Rachel Cruze?

  It's gonna be great.

• 43:15George Kamel?

  So that's fun too. A set of two rackets can range from 10 bucks at Target to over 200 bucks from specialty brands as you get into it. So maybe you invest if you end up playing a lot. Uh, I'm not at that stage of life yet. My midlife crisis will be coming. Not there.

• 43:29Rachel Cruze?

  Not there.

• 43:31Rachel Cruze?

  All right, George, before we spill the tea on guilty as charged, what are the drink details? I liked it.

• 43:36George Kamel?

  This is a cucumber mint refresher. It is a mocktail. There's no alcohol in it. It's got fresh cucumber juice. Don't know how they source that. Don't think they sell that at the store. I guess they muddled it in. Is that right? Is it muddled? Okay, they muddled the cucumber juice in there, simple syrup, mint leaves and lime sparkling water.

• 43:55Rachel Cruze?

  Everything I like.

• 43:56George Kamel?

  It's great. Now, the one thing is once the mint settles in there, in the water, you kind of get that like, you're kind of eating the mint by accident.

• 44:03Rachel Cruze?

  Oh, yeah.

• 44:04George Kamel?

  But I don't fault them for that. But I, maybe it would have put the mint on the toothpick to keep it.

• 44:09Rachel Cruze?

  Out of the drink.

• 44:09George Kamel?

  Yeah. But other than that, it's a win. So I'm going to go nine out of 10 for this mocktail.

• 44:13Rachel Cruze?

  I'm with you. I'm going to go nine out of 10.

• 44:15George Kamel?

  Really nice. 80 cents per serving to make this at home. That's a huge win.

• 44:20Rachel Cruze?

  It's delicious.

• 44:21George Kamel?

  So try it at home. The recipe's in the show notes. You got nothing to lose. Make it for the kids. Put some cucumbers on their face. Make it a spa day.

• 44:27Rachel Cruze?

  Make it a spa day on the eyes. All right, now it's time for.

• 44:32George Kamel?

  Guilty as charged.

• 44:33Rachel 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. All right, George, have you ever done something in public that's questionable when taken out of context?

• 44:43George Kamel?

  Wow.

• 44:45George Kamel?

  I don't think the context helps this one, but the thing that sticks out to me.

• 44:50Rachel Cruze?

  Okay.

• 44:50George Kamel?

  Is being at Costco, returning a knife set, missing the butcher knife. Once I got to the door, they won't let you return it without all the pieces.

• 44:59Rachel Cruze?

  For sure.

• 45:00George Kamel?

  Run back to the car to grab the knife. Then I realized I have a conundrum on my hands. I'm just a guy in a parking lot, holding a butcher knife. I can't put it in my pocket.

• 45:10Rachel Cruze?

  Yeah, that looks scary.

• 45:11George Kamel?

  That's dangerous. So then I'm like, do I hold it up? Is that sociopathic? Holding it down, that's psychopathic. Then you're like, what does your face do? You can't look too happy and friendly. Oh no, it's fine. Just returning a single butcher knife.

• 45:23Rachel Cruze?

  It's okay. It's just, just, this is going back.

• 45:25George Kamel?

  Yeah. So like the face mattered, that my, my tone mattered, my pacing mattered of like, don't walk fast. That's scary. Don't walk too slow. Also scary.

• 45:34Rachel Cruze?

  Be normal.

• 45:35George Kamel?

  So gentle pace. So I kind of landed at like, you know, down here by the waist, a gentle, soft smile, no teeth. Soft smile and just sort of a mall walker pace.

• 45:46Rachel Cruze?

  That's good.

• 45:47George Kamel?

  But then the family passes by me and again, they don't know that I'm Arabic Baptist and can speak fluent Arabic. They just see me as a white guy with a knife. This Arabic family passes by with their kid. The dad says in Arabic, I think that guy's about to murder someone.

• 46:00Rachel Cruze?

  No, he didn't.

• 46:01George Kamel?

  I promise you.

• 46:02Rachel Cruze?

  No, he didn't.

• 46:03George Kamel?

  Can't make this up. And I, I wish in my head that I had said something back, but I got so nervous at that moment that I just kept going. I wasn't going to be like, um, I know what you said, sir, and I don't appreciate that. And also it's pretty funny. I wish I did that. But how would have they known there was an albino, Middle Eastern guy walking by who knew what they were saying?

• 46:24Rachel Cruze?

  With a butcher knife.

• 46:25George Kamel?

  Because that's the best part of it. Knowing another language is you can talk behind people's back.

• 46:28Rachel Cruze?

  That's what's crazy.

• 46:30George Kamel?

  It's the number one life hack.

• 46:31Rachel Cruze?

  Do you ever hear it?

• 46:32George Kamel?

  Oh, all the time.

• 46:34Rachel Cruze?

  What do people, what are people talking about? Like when you just over here?

• 46:36George Kamel?

  Generally, they're not talking about me.

• 46:38Rachel Cruze?

  What are they, like the store and the food?

• 46:40George Kamel?

  Yeah, they're usually talking to their kid, you know, yelling at their kid at the store. But I always love hearing and like, I want to stop them and say, hey, I get it.

• 46:48Rachel Cruze?

  I get it. Well, you should, in Arabic, you should say, have a nice day.

• 46:52George Kamel?

  Oh, that would be good.

• 46:53Rachel Cruze?

  Yeah.

• 46:53George Kamel?

  I like that.

• 46:54Rachel Cruze?

  A little positivity, but then they're also like.

• 46:56George Kamel?

  It's kind of creepy though, to just jump into a conversation, another language, have a nice day?

• 47:01Rachel Cruze?

  Yeah, but if everyone's speaking English around you, it's kind of like a.

• 47:04George Kamel?

  It's a nod. It's kind of like the Jeep duck, but cooler.

• 47:07Rachel Cruze?

  Yes, yes, yes.

• 47:08George Kamel?

  I like that. So that's my story. I still, it gives me hives thinking about it. How about you?

• 47:13Rachel Cruze?

  That's good.

• 47:13George Kamel?

  What have you done in public that is questionable, whether there is context or not?

• 47:17Rachel Cruze?

  I know. I, I don't know why I'm thinking of this because right now I have to go to the restroom, just so you know. The leg is shaking. You'll know. Uh, I do. My bladder's a problem.

• 47:29George Kamel?

  Yeah.

• 47:30Rachel Cruze?

  And.

• 47:31George Kamel?

  We all, we all have our weaknesses.

• 47:32Rachel Cruze?

  It is. I'm like, I, it's so terrible. And I was speaking on stage one time, George, and I couldn't, I couldn't, I couldn't finish without going to the restroom. So I had to pause my keynote and I just said, uh, I'm going to take about five minutes. All of you can talk amongst yourselves and I will be right back.

• 47:51George Kamel?

  So you didn't say where you were going or why?

• 47:53Rachel Cruze?

  I don't know if I did or not. I think I blacked out, but I had to so bad. I had to go so bad.

• 47:58George Kamel?

  Oh, no.

• 47:59Rachel Cruze?

  It was horrible. Yes. So.

• 48:01George Kamel?

  Was it like a, where were you speaking? Do you remember like a church? Was it?

• 48:04Rachel Cruze?

  No, it was like a group. It was like a.

• 48:07George Kamel?

  A school?

• 48:08Rachel Cruze?

  Like, I think it was like a construction company.

• 48:11George Kamel?

  Oh, okay. Like a corporate type speaking engagement.

• 48:14Rachel Cruze?

  Not great. Not my best moment.

• 48:16George Kamel?

  Wow.

• 48:16Rachel Cruze?

  But you know what? Do I, do I blame the three kids? Maybe I do on my bladder situation.

• 48:22George Kamel?

  So just having kids weakens the bladder.

• 48:24Rachel Cruze?

  I don't know. I don't know what's happening, but, and everyone's like, you should go like get pelvic floor exercise. I don't got time for that, people, you know, but it is what it is. It's fine. I just have a little.

• 48:34George Kamel?

  Now I'm like, I need to have a line that I can use that makes it like.

• 48:37Rachel Cruze?

  To get you off stage. You're like, mm.

• 48:39George Kamel?

  You can't like fake an emergency. That feels too dramatic.

• 48:41Rachel Cruze?

  No, not at all.

• 48:42George Kamel?

  But do you have a funny line?

• 48:43Rachel Cruze?

  Yeah.

• 48:44George Kamel?

  That like everyone's like, oh, this is, she's cool. She's self-aware.

• 48:47Rachel Cruze?

  She can do that. Yeah. Uh huh. It is what it is.

• 48:49George Kamel?

  You know what I would have done? I would have asked a question, but you know what? I'm going to give you guys a couple of minutes to, uh.

• 48:53Rachel Cruze?

  Oh, yeah. Talk, yeah, yeah.

• 48:54George Kamel?

  To think through this really deep question. I'll be back.

• 48:57Rachel Cruze?

  That point that I made was so great.

• 48:58George Kamel?

  I'm going to set a timer for five minutes, give you guys a moment.

• 49:01Rachel Cruze?

  All right. Well, speaking of it, I have to go to the restroom. So anyways, if you have a guilty as charged question, make sure to DM us at Rachel Cruz and at George Kamel. We read them. We love it. Screenshot it and send it to Jenna, our producer. If you love this episode, make sure to check out Judgy People Based on how they spend their money. We love a judgment. We do. But yeah, we'll link it for you and make sure to subscribe so you don't miss an all new episode of.

• 49:23George Kamel?

  Smart Money Happy Hour.

• 49:25Rachel Cruze?

  See how fast I'm with.