Smart Money Happy Hour with Rachel Cruze and George Kamel

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It's Independence Day and Rachel and George are celebrating in true Smart Money Happy Hour style—with patriotic cocktails and a little chat about financial independence. Is it a realistic goal, or should you aim for financial peace instead? They'll answer these questions on financial dependencies and more.

Next Steps

📱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.

🎥 Go check out our video on navigating awkward money conversations.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🇺🇸 American Collins

Recipe: The Spruce Eats

1 1/2 ounces of gin

3/4 ounce of simple syrup

3–4 ounces of club soda

1/2 ounce of lemon juice

8 blueberries

4 cherries

Instructions: In a collins glass, muddle blueberries, cherries, simple syrup and lemon juice. Then, add the gin and fill the glass with ice. Stir briefly and top with club soda. Garnish with a cherry and a lemon wheel and enjoy!

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We’re all guilty of the occasional little white lie, but are they as harmless as they seem? Today, Rachel and George discuss how these fibs could actually be dipping into your wallet without you even noticing. Join them for a look at the financial impact of our everyday words.

Next Steps

📱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.

🎥 Check out George’s video where he breaks down investing for beginners.

💰 Navigate your investments with expert guidance from a SmartVestor Pro.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🍋 Creamy Lemonade

Recipe: Every Little Crumb

Servings: 6

Ingredients:

• 1/2 can sweetened condensed milk

• 1 cup lemon juice

• 3 cups cold water

• 2 cups ice

Instructions: In a pitcher, whisk together the lemon juice and sweetened condensed milk. Add the cold water and stir, and then add the ice. For added flair, serve with extra lemon slices and optional mint leaves and enjoy!

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💡 The Rachel Cruze Show

💰 George Kamel

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Are "Get Ready With Me" videos filling your feed? Join George and Rachel as they explore the internet's latest obsession with watching strangers’ routines, explain how it fuels comparison culture, and offer some helpful tips to keep your spending safe from viral trends.

Next Steps

📱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.

🎥 Watch George and Rachel break down bad habits that are hurting your wallet.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: 🥃 Maple Bourbon Sour

Recipe: Joy + Oliver

Ingredients:

• 1 1/2 ounce bourbon

• 3/4 ounce lemon juice

• 3/4 ounce maple syrup

• 4 ice cubes

• 1 rosemary sprig

Instructions: In a cocktail shaker, combine the bourbon, lemon juice and maple syrup and fill with ice. Shake until fully combined and pour into your favorite cocktail glass. Garnish with fresh rosemary and enjoy!

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💡 The Rachel Cruze Show

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Ever feel like “going on vacation” is more work than rest? From booking flights to wrangling kids to drowning in laundry when you get home—it feels like the pre-trip to-do list never ends! So today, George and Rachel are digging into the true cost of rest when it comes to your time, relationships and most importantly, your money.

Next Steps

Offers From Today's Sponsors 

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Today’s Happy Hour Special: Orange Creamsicle Cocktail

Recipe: StyledByDaisies.com

Ingredients: 

·     2 ounces whipped vodka

·     1 ounce Cointreau

·     2 ounces orange juice

·     1.5 ounces heavy cream

·     1 orange slice

Instructions: 

Add vodka, orange liqueur, orange juice, heavy cream and ice to a cocktail shaker. Shake for 15-30 seconds. Pour all contents into a cocktail glass, add more ice if needed, garnish with a fresh orange slice and enjoy!

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Ever think about turning your back on city life for wide, open spaces and self-sufficiency? From trendy aesthetics to what it really costs to live off the land, Rachel and George are exploring the allure of homesteading to see if the simple life truly is better.

Next Steps

·      📱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.

·      🎓 Learn to win with money by enrolling in Financial Peace University.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. 

Today’s Happy Hour Special: Earl Grey Tea and Tonic Mocktail 🍸

Recipe: Simply Recipes

Ingredients:

Earl Grey Tea Syrup

·      1 cup sugar

·      1/2 cup water

·      2–3 Earl Grey tea bags

Mocktail

·      3/4 ounce Earl Grey tea syrup

·      1/2 ounce freshly squeezed lemon juice

·      3–4 ounces tonic water

·      8 ounces crushed ice

Instructions:

To make the syrup, combine the water and sugar and bring it to a boil, then remove from the heat. Add the tea bags to steep and let it cool in the fridge for 30 minutes. Fill a highball glass with ice, then pour in the cooled syrup, lemon juice and tonic water. Gently stir and serve.

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In this week's episode, George and Rachel are giving financial transformations a nostalgic twist by channeling early 2000s makeover shows, complete with dramatic "before and after" reveals. 

Next Steps 

Offers From Today's Sponsors 

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Today’s Happy Hour Special: 🍸 Strawberry Basil Martini 

 Recipe: Styled by Daisies 

 Ingredients: 



Instructions: 

In a cocktail shaker, combine the gin, strawberry syrup, lemon juice, basil, and egg white. Dry shake, add 5–7 cubes of ice, then shake again. Strain into a chilled martini glass and garnish with a strawberry slice. 

Listen to More From Ramsey Network 

🎙️ The Ramsey Show  

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📈 EntreLeadership 

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Ever wonder how far some people will go for money? Join George and Rachel as they unravel the dark side of money psychology and its gripping ties to true crime. From insurance payouts to money laundering, they’re uncovering what makes money a motive for crime.

Next Steps

·      🖋️ Make a plan for your legacy today! Create your state-specific will online with the help of Mama Bear Legal Forms.

·     🔐 Protect your family’s future. Get free term life insurance quotes from Zander Insurance.

·      📱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.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney. 

Today’s Happy Hour Special:🍸 Black Widow

Ingredients:

·      1 ounce vodka

·      2 ounces Chambord raspberry liqueur

·      1/2 teaspoon activated charcoal powder

·      1 teaspoon lime juice

·      1 teaspoon simple syrup

·      2 dashes Peychaud’s bitters

·      2-3 Blackberries

Instructions:

Pour vodka, raspberry liqueur, charcoal powder, lime juice, simple syrup and bitters in a cocktail shaker filled with ice. Shake and strain into glass. Top with blackberries for garnish.

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If “financial literacy” is as foreign to you as our obsession with avocado toast, that could cost you a lot more than an embarrassing moment at brunch. Join Rachel and George for a breakdown of all the financial terms you need to know. But don’t worry, they’ll be attempting some random trivia of their own.

Next Steps

·      💰 It’s never too late to learn about personal finance! Learn more about any financial topic at ramsey solutions dot com.

·      📱 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.

An Offer From Today's Sponsor 

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Today’s Happy Hour Special:🍸 Margarita Mocktail

Recipe: Sugar and Charm

Ingredients:

·      1 ounce lime juice

·      1 ounce lemon juice

·     1 ounce simple syrup

·      3 ounces club soda

·      Himalayan pink salt

·      4 ice cubes

Instructions: Fill a cocktail shaker with ice and add in the lemon juice, lime juice and simple syrup. Shake. Dip the rim of your glass into lime juice and Himalayan pink salt and add ice. Strain the mocktail into the salt-rimmed glass. Optional: Garnish with a lime wheel.

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What do puka shells, water beds and lifted trucks have in common? They’re all status symbols (or were at some point). In this episode, Rachel and George will unpack the most popular and bizarre status symbols from throughout history and around the world. They’ll also reveal which ones are worth pursuing—and how to not break the bank in the process.

Next Steps

·      📱 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.

Offers From Today's Sponsors

This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to http://joindeleteme.com/smartmoney.  🙌

Today’s Happy Hour Special 🍸 Chai White Russian

Recipe: Cocktailwave.com

Ingredients:

·      2 ounces vodka

·      1 ounce coffee liqueur

·      2 bags chai tea

·      1 ounce cream

Instructions: Brew a strong cup of chai tea and let it cool. Stir together with vodka and coffee liqueur. Top with cream and stir gently.

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Cue the confetti! What better way to celebrate Rachel's and George’s birthdays than with some birthday-themed trends and trivia, the birthday freebie list that dreams are made of, and affordable gift ideas. Plus, they’ll give their best tips for throwing a birthday bash on a budget.

Next Steps

·      📘 Check out Rachel’s newest book for a sweet way to talk to your kids about the most important gifts in their lives.

·      💵 Start budgeting today! Go to everydollar.com/smartmoney to get $15 off the premium version of EveryDollar.

·      📱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.

Today’s Happy Hour Special 🍸 Paper Plane

Recipe: Liquor.com

Ingredients:

·      3/4 ounce bourbon

·      3/4 ounce Aperol

·      3/4 ounce Amaro Nonino Quintessentia

·      3/4 ounce lemon juice, freshly squeezed

·      Ice

Instructions: Add the bourbon, Aperol, Amaro Nonino and lemon juice into a shaker with ice and shake until well chilled. Strain into a coupe glass.   

Listen to More From Ramsey Network

🎙️ The Ramsey Show  

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💼 The Ken Coleman Show

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