📈 Are you on track with the Baby Steps? Get a free personalized plan. Ever wonder how we went from using gold coins to dollar bills? In this episode, Rachel and George celebrate America’s birthday by unpacking the wild history of U.S. currency and testing your knowledge with some fun American money trivia. Next Steps: 🎥 Watch our video Unique Money Traditions You Won’t Find in the U.S. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for R...
Jul 03, 2025•46 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Is starting an online fundraiser for yourself so you can go to Yoga Teacher Training really cringy or kind of genius? In this episode, Rachel and George react to the wildest GoFundMe campaigns out there. Plus, find out why giving is actually the most fun you’ll have with money. Next Steps: 🎥 Watch our video Dupes, Counterfeits, Scams, Oh My! Is Anyone Safe? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 ...
Jun 26, 2025•41 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Inflation is real right now . . . but we do have some things going for us. In this episode, Rachel and George reveal which things are cheaper now than they used to be, plus which purchases you can make that hold their value. Next Steps: 🎥 Watch our video What Will It Cost to Live in 40 Years? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Send a ...
Jun 19, 2025•47 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Swapping sparklers for potato flakes for a budget-friendly wedding send-off might seem smart—until you end up covered in mashed potato. In this episode, Rachel and George react to real “frugal wedding fails” and share their take on what’s actually worth the money when planning your big day. Next Steps: 🎥 Watch our video Spilling the Financial Tea With Our Better Halves. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoney...
Jun 12, 2025•38 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Could your guilty pleasures—like fancy water or a fresh manicure appointment—actually be keeping you broke? Find out in this episode as Rachel and George reveal their own “guilty pleasure” purchases, plus react to some of yours. Next Steps: 🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and...
Jun 05, 2025•43 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Would you rather buy one pair of expensive designer shoes or get five cheap pairs in every color? In this episode, Rachel and George make their case for quality vs. quantity, plus help you decide when it’s best to splurge or save. Next Steps: 🎥 Watch our video “Harmless” Purchases That Drain Your Bank Account. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel a...
May 29, 2025•40 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. From Abercrombie jeans to Juicy Couture tracksuits, some things just felt fancier in the ’90s. In this episode, Rachel and George invite you to play along as they reveal the price of nostalgic status symbols and decide if they’re still worth the splurge today. Next Steps: 🎥 Watch our video Do We Have It Harder Financially Than Our Parents? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As...
May 22, 2025•42 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk. 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! Se...
May 15, 2025•35 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever left a comment on this show saying we’re out of touch, totally wrong or just plain crazy—we see you! 😅 In this episode, Rachel and George react to the hottest takes from our comments section to see if any of them might have a point. Next Steps: 🎥 Watch our video Explaining Our Most Hated Financial Advice. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question f...
May 08, 2025•45 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Dropping $10 on latte art . . . Waste of money or totally worth it? In this episode, Rachel and George call out the dumbest things people spend money on, plus you’ll find out what questions to ask next time you’re tempted to splurge. Next Steps: 🎥 Watch our video Frugal Fails That Might Actually Ruin You. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and Ge...
May 01, 2025•41 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re willing to go into debt for limited-edition Mickey Mouse ears 🐭 . . . it’s time to stop the madness. In this episode, Rachel and George reveal Disney adults’ top hacks so you can enjoy the most magical place on Earth without breaking the bank. Next Steps: 🎥 Watch our video What Are “Vacations” Really Costing You? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged questio...
Apr 24, 2025•46 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Today’s special guests may not be old enough to drive a car, but they’ve got some serious money chops. In this episode, test your knowledge as Rachel and George quiz each other (and the Cruze kids!) on personal finance. Next Steps: 🎥 Watch our video Surprising Money Facts Everyone Should Know. 👩🏫 Enter for a chance to win the Ramsey Teacher Appreciation Giveaway! 👦 Get the Financial Peace Kids toolkit. 📘 Get Smart Money...
Apr 17, 2025•36 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. If buying a house feels impossible, you’re In this episode, Rachel and George tackle your biggest housing questions and reveal which home upgrades are at the top (and bottom) of their list. Next Steps: 🎥 Watch the video “Harmless” Purchases That Drain Your Bank Account. 🏠 Pay off your home faster! Try our Mortgage Calculator. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged ques...
Apr 10, 2025•37 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. “Does George Kamel even know how much things actually cost?” In this episode, Rachel and George react to savage comments and defend their controversial money takes with facts even the haters can learn something from. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financial Advice. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM ...
Apr 03, 2025•40 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’d happily drive an extra 10 minutes to save 10 cents a gallon on gas—no judgment! In this episode, Rachel and George confess to money habits that don’t always make sense. Plus, they share what it means for you if you can relate. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financial Advice. 📘 Get Rachel Cruze’s book Know Yourself, Know Your Money. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhapp...
Mar 27, 2025•37 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Whether you’re a weekend DJ or assembling boxed furniture, extra money is extra money. In this episode, find out how to pick a good side hustle that makes the most of your time and talents. Next Steps: 💸 Take the quiz to find out what side hustles are best for you! 💰 Take the Money Finder challenge and uncover extra cash today! 🎥 Watch our video Habits Wasting Your Time (and Money) in 2024. 🍸 Follow Smart Money Happy Hour...
Mar 20, 2025•45 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Is dragging yourself to the airport at 4 a.m. for a $90 round-trip flight worth it? In this episode, Rachel and George weigh in on travel budget hacks you can try to save big on your next trip. Next Steps: 🏅Help us make the show better! Please fill out a quick survey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @ge...
Mar 13, 2025•38 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re debt-free but holding onto that Disney credit card, you might be “Ramsey-ish.” In this episode, find out what that means for you and your finances. Next Steps: 🍸 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. 📗...
Mar 06, 2025•41 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. On a scale of cloth diapers to compost, how crunchy are you? In this episode, get Rachel and George’s take on popular “clean” products. Plus, find the best crunchy money-saving hacks out there. Next Steps: 🎥 Watch our video The #1 Budget Buster That No One Can Avoid. 🏅 Help us make the show better! Please fill out a quick survey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged ...
Feb 27, 2025•40 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Nothing screams emergency fund like a full-scale raccoon home infestation. In this episode, Rachel and George share the weirdest things listeners spent their emergency fund on and the lessons we can learn from these scary stories. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 🏅 Help us make the show better! Please fill out a quick survey. 📱 Submit a Guilty As Charged question for Rachel and G...
Feb 20, 2025•42 min
📈 Are you on track with the Baby Steps? Get a free personalized plan. Today we’ve got two very special guests in the studio . . . Winston Cruze and Whitney Kamel! In this episode, Rachel, George and their spouses spill the tea on married life, money, and how the two mix. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcr...
Feb 13, 2025•54 min
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Do you ever feel like the “poor friend” of the group struggling to keep up? In this episode, Rachel and George talk about money’s impact on different relationships so you can avoid relational drama. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 💵 Start your free budget today. Download the EveryDollar app! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱Submit a Guilty As Char...
Feb 06, 2025•38 min
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Today we’re giving the people what they want: the man himself, Dave Ramsey. In this special episode, Dave plays 20 Questions with inquiries you submitted about his life, wealth and the things he won’t waste a dime on. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 💵 Start your free budget today. Download the EveryDollar app! 🎥 Watch our video Cheapskate or Resourceful? A Wake-Up Call With Sharon...
Jan 30, 2025•54 min
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Remember signing up for that “free” trial of Apple TV+ . . . and four years later, you’re still paying $9.99 a month for it? In this episode, Rachel and George reveal sneaky marketing tactics like this to help you avoid wasting money. Next Steps: 💵 Start your free budget today. Download the EveryDollar app! 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱 Submit a Guilty As Charged question for Rachel and ...
Jan 23, 2025•38 min
💵 Start your free budget today. Download the EveryDollar app! If you love awkward silences, just try asking your blind date how much money he makes. In this episode, Rachel and George share hot takes on common taboo money topics, plus how you can avoid cringey situations. Next Steps: 🍸 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 th...
Jan 16, 2025•42 min
💵 Start your free budget today. Download the EveryDollar app! We all know that person who wears flashy designer logos like they’re personally endorsed by Michael Kors. In this episode, Rachel and George react to ways people pretend to be upper class and discuss how to be smart with your money instead. Next Steps: 🍸 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! B...
Jan 09, 2025•37 min
💵 Start your free budget today. Download the EveryDollar app! If you want to have a “new year, new you,” you have to do new things. In the first episode of the new year, Rachel and George share bad money habits you’ll want to ditch in 2025. Next Steps: 🍸 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...
Jan 02, 2025•38 min
💵 Start your free budget today. Download the EveryDollar app! It’s almost time to put out the flame on 2024, and we’re feeling reflective. In this episode, Rachel and George look back on the best (and worst 😅) Smart Money Happy Hour moments of the year, including money lessons you won’t want to forget in 2025. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 💍 Get your tickets for Money & Marriage Getaway! 💸 Beat debt and build wealth with Financial Peace Uni...
Dec 26, 2024•42 min
💵 Start your free budget today. Download the EveryDollar app! It’s easy to get caught up in holiday commercialism during the holidays—just ask the Grinch. In this festive episode, Rachel and George find money lessons in nostalgic Christmas movies that you can apply all year long. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 🎄Shop the Ramsey Solutions store 50 Days of Christmas sale 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachel...
Dec 19, 2024•41 min
💵 Start your free budget today. Download the EveryDollar app! When it’s 11:30pm and a snack is calling your name, do you go for McDonald’s French fries or a cheesy gordita crunch? In this episode, Rachel and George debate favorite fast-food and fast casual chains, plus you’ll learn which might be best for your budget. Next Steps: 🍸 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...
Dec 12, 2024•43 min
