💸 Uncover extra cash in your budget with the Money Finder Challenge. https://ter.li/sxaau7

Ever have a major disagreement about money with the people closest to you? Today, we’re checking our voice mail and sharing hot takes on your friends and family.

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Today’s Happy Hour Special: 🍹 Army & Navy

Recipe: Liquour.com

Instructions: Add all ingredients into a shaker with ice and shake until well-chilled. Strain into chilled coupe glass. Garnish with grapefruit twist.  

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Matt and Abby from The Unplanned Podcast join Rachel and George to reminisce on early married life working the Ramsey plan, dancing through their pandemic TikTok success and so much more.

Next Steps:

🎥 Watch our video Baby Q&A: Costs, Essentials and Honest Advice.

🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.

📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 

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Today’s Happy Hour Special: 🥃 Moscow Mule Mocktail

Recipe: Mallory the Dietician

Instructions: Pour the ginger beer, squeeze of lime juice, and sparkling water or soda water in a glass over ice and give it a good stir. Garnish with a slice of lime and fresh mint and enjoy!

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💰 George Kamel

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Claire’s, Sbarro, Great American Cookies—can we go back to ’90s mall culture? In today’s episode, George and Rachel are taking a nostalgic trip down memory lane to weigh the pros and cons of shopping in 2005 vs. 2025.

Next Steps:

🎥 Watch our video What Today’s Teens Are Buying (vs. Us 20 Years Ago) .

🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour   

📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 

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Today’s Happy Hour Special: 🍹 Enzoni

Recipe: @deadendwest

Instructions: Add ingredients to a shaking tin. Muddle grapes. Add ice and shake. Fine strain into rocks glass of ice. Garnish with a grape.

Explore More From Ramsey Network:

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💪🏼 Which side hustle is right for you? Get personalized recommendations with this Side Hustle Quiz.

When you think you’re slaying the personal finance game by following the latest money trend . . . but you’re really just taking one step forward and two steps back—no more! Today, George and Rachel are explaining why these common financial habits will make you broke, average or wealthy.

Next Steps:

🎥 Watch our video Habits Wasting Your Time (and Money) in 2024.

🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour   

📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 

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Today’s Happy Hour Special: 🍋‍🟩 Cucumber Lime Mocktail

Recipe: Vibrant Plate

·        1 large cucumber

·        1 cup of water

·        2 limes

·        3 tablespoons mint leaves

·        2 tablespoons maple syrup

·        Pinch of salt

·        1 cup carbonated mineral water

·        2 cups of ice cubes (or more as needed)

Instructions: Peel and dice one large cucumber, then add to a high-speed blender. To the blender, add one cup of water, the juice of two limes, three tablespoons of mint leaves, two tablespoons of maple syrup, and a pinch of salt. Blend until smooth. Strain the cucumber juice through a fine strainer or cheesecloth into a jar. To the jar, add one cup carbonated mineral water and two cups of ice cubes (you can add more ice cubes if you like). Serve in glasses with ice cubes. For decoration, you can add some cucumber slices, a lime wedge and some more mint.

Explore More From Ramsey Network:

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📈 Are you making these four common investing mistakes? Get our free Investing Guide and find out.

Is it actually possible to plan a quality date night at any budget level? In this episode, you’re going to find out! George and Rachel are looking at real-life, real-budget scenarios and creating fun date nights on the spot.

Next Steps:

🎥 Watch our video Men vs. Women: Who Handles Money Better?

🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour   

📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 

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Today’s Happy Hour Special: 🍹 Ragg’s Rye-Tai

Recipe: Gastrohub

·        3/4 ounce lemon juice

·        3/4 ounce pineapple juice

·        1/2 ounce orgeat

·        1/2 ounce amaretto

·        2 ounces Elijah Craig rye whiskey

Instructions: Add all ingredients to a tin, and whip shake. Pour drink into glass, then add a GENEROUS amount of crushed/pebble ice until it’s pouring over. Add a couple dashes of angostura bitters to the top of the ice mountain. Garnish with some clean pineapple leaves and a pineapple chunk and cheers!

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📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out.

We’ve got a doctor in the house today, friends. In this episode, mental health expert Dr. John Delony gives Rachel and George some financial therapy, plus shares his hot takes on your money and relationship questions.

Next Steps:

 🛒 Check out John Delony’s Questions for Humans: Friends Second Edition.

🎥 Watch our video Spilling the Financial Tea With Our Better Halves.

🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour   

📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or[JS1]  send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 

💵 The simplest way to budget. Download the EveryDollar app for free!

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Today’s Happy Hour Special: 🍹 Alice From Dallas

 Recipe from Difford’s Guide:

Instructions: Select a shot glass. Refrigerate ingredients. Once chilled, layer in a chilled glass by carefully pouring ingredients in the order listed. Enjoy!

 Explore More From Ramsey Network:

💡 The Rachel Cruze Show

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Justin Baldoni and Blake Lively, McDonald’s hot coffee, Gwyneth Paltrow on the slopes—we’re breaking down the most infamous (and expensive) lawsuits in pop culture history. After running the numbers, were they really worth the cost? Tune in to find out!

Next Steps:

🛡️ Find financial services you can count on with RamseyTrusted®

🎥 Watch our video Money Motives Hidden in Shocking True Crime Stories.

🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour   

📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 

💵 The simplest way to budget. Download the EveryDollar app for free!

 Connect With Our Sponsors:

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Today’s Happy Hour Special: 🍹 Paloma Mocktail

Recipe: The Wooden Skillet

Instructions: Use the grapefruit or blood orange to rub the rim of the glass. Pour kosher salt on a plate and turn the glass upside down to turn the glass rim in the salt. Add grapefruit juice, orange juice, lime juice, and club soda to a lowball glass. Add as much ice as desired. Garnish with fresh thyme and/or grapefruit slice.

 Explore More From Ramsey Network:

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💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi

📈 Are you on track with the Baby Steps? Get a free personalized plan.

Is there ever a financially “right” time to have a baby? In this episode, Rachel and George answer your biggest money questions about starting a family and raising kids—so you know what to expect when you’re expecting.

Next Steps:

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Today’s Happy Hour Special: The Bourbon Orange 🍊 Recipe: @muddlenmix

Ingredients: To your cocktail shaker, add bourbon, fresh Sumo Citrus juice, orange liqueur, orange bitters and simple syrup and ice. Shake well to incorporate flavors and chill the cocktail. Add ice to rocks glass and strain shaken cocktail over fresh ice. Top with soda water.

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💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi

📈 Are you on track with the Baby Steps? Get a free personalized plan.

You can’t judge a book by its cover, but can you judge someone’s ability to build wealth by their financial habits? In today’s episode, Rachel Cruze and George Kamel are waving their red flags at things that scream, “I’m bad with money.”

Next Steps:

🎥 Watch our video How to Spot “Beige Flags” in Money and Relationships.

🍸 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. 

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Today’s Happy Hour Special:🍹Easy Watermelon Margarita

• 4 cups frozen watermelon

• 1/2 cup tequila

• 1/4 cup triple sec• 1/3 cup fresh lime juice

• 2 tablespoons honey

• 1 cup ice

Instructions: Cut up your watermelon and freeze it on a baking sheet for at least six hours. Add watermelon, tequila, triple sec, lime juice, honey and ice to a blender. Blend until completely smooth. Pour into salted rim glass and serve with lime. Enjoy!

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💰 George Kamel

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💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi

📈 Are you on track with the Baby Steps? Get a free personalized plan.

Today we’re answering your real-life money questions! In this episode, Rachel and George listen to your voicemails and share their hot takes on everything from wedding expenses to kids’ braces.

Next Steps:

🎥 Watch our video Responding to Your Complicated Money Situations (Our Two Cents).

🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour   

📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517.[JR1] 

💵 The simplest way to budget. Download the EveryDollar app for free!

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Today’s Happy Hour Special: ☘️ Irish Maid Recipe: @anatomyofadrink

 2 ounces Irish whiskey

1/2 ounce elderflower liqueur

3/4 ounce lemon juice

1/2 ounce simple syrup

2 cucumber slices

Instructions: Add all ingredients to shaker tin, add ice and shake until chilled. Fine strain into a glass over fresh ice and garnish with a cucumber slice.

Explore More From Ramsey Network:

💡 The Rachel Cruze Show

💰 George Kamel

🎙️ The Ramsey Show

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