Smart Money Happy Hour with Rachel Cruze and George Kamel - Challenge: Explaining Investing “Like I’m 5 Years Old”

Episode Date: July 25, 2024

💵 Sign up for EveryDollar today to create a free budget! Consider this episode your crash course in investing! We get it—investing can be confusing. But don’t worry, Rachel and George are here to break it all down for you in a way that’s so simple even a five-year-old could understand. 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 our video where we explain our most hated financial advice. 💰 Use the Ramsey Investment Calculator to find out your earning potential! 💸 Find an investing pro today! 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 www.joindeleteme.com/smartmoney.   Today’s Happy Hour Special: 🍋‍🟩 Moscow Mule Recipe: Difford’s Guide   Ingredients: • 2 ounces vodka • 1/2 ounce lime juice • 1/3 ounce sugar syrup • 3 ounces ginger beer • Ice   Instructions: In a copper mug, stir together vodka, freshly squeezed lime juice, and sugar syrup. Then, add ice so it fills the mug two-thirds of the way and top with ginger beer. For added flair, serve with an optional lime slice and mint sprig. Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money Happy Hour. Cheers. Oh, I did my wrong arm. I usually hold my drinking. I didn't know you had a right arm. Wow.

Okay, well, this is the show where two friends who have to be money experts. Talk about what you're talking about. Everything from pop culture, current events, and money. And today, we're addressing one of the most frequently asked questions we get. We get a lot of questions, but this one takes the cake. For sure. Okay, so what are we sipping on while we chat about it? This, if you know your drink vessels, this is a Moscow mule.

It's in a traditional copper mug, and it is very cold to hold. It's freezing, actually. Well, before we dive into that, George, should we just take a little quick trip down memory lane? Back years ago when we had a dream. We had a dream of having a podcast where we have a cocktail, talk about fun topics, laugh, cry, enjoy ourselves when it comes to this idea of money. And now, George, look at us. A hundred episodes later.

Happy 100th birthday, George. Wow. A dream that becomes reality. I got to say we look great for a hundred. We're aging so well. Honestly, the haters doubted, and we made it despite them. Y'all, and they didn't want us to keep going, but we did. We persevered.

We said, I will be the little engine that could. That's very amazing. And I will keep on going. I can't even think of like a hundred topics. So shout out to the team behind the scenes who come comes up with this stuff, helps write it, edit it, produce it, title it, thumb-mail it. Brilliant. We love them all.

So this is a shout-out, really, a celebration of the team. But also to the listeners for sticking around, whether you're brand new or you around from the very beginning, bless your heart for being here. And I don't mean that in the sassy Southern way. We are so glad. Just in a truthful gratitude is the attitude way. Yeah. You know, and speaking of 100, when we're 100, I hope we're retired. I would hope so.

enjoying our lives and living off of our investments. I hope I'm alive. I don't really care about retirement at that point. So there's a train going on right now that says, Explain it to me like I'm five. Oh, yeah. There's an entire subreddit called Explain Like I'm Five, where people just go, hey, I don't understand how planes work.

Can someone explain like I'm five? Yeah. And then the job is, can you explain how airplanes work, which is a pretty complex thing? So don't get it. Like you were explaining it to a five-year-old. Yeah. How about fax machines?

Remember those? How does that work? You dial a number, put a piece of paper in, and somehow that piece of paper is printed. I know. It, like, copies it, registers the information, sends it through a phone line. You know, a fax machine can really date you, George. When you, like, watch movies and stuff, the parent trap, do you remember the parent trap? Are you a fan of the parent trap?

I mean, I haven't watched it in like 20 years. She faxes the sister across the ponds to London that says like 9-1-1 with like a dog that's saying it. But it comes out of a fax machine. I'm like, I didn't realize parent-trives. How is that old? Like you, you know what I mean? It's things like that. They really date you.

Some of my first jobs, I had to use the fax machine to send stuff to, you know, customers. I know, y'all unbelievable. Not as young as I look. But explain it to me like I'm five. So we're going to do that. We're going to do that in the old investing world. I like this. There's a lot of confusion here.

But before we deep dive into the 101 of investing, you know, how about a little warm up, George? Okay. I never say no to an intellectual competition. Often I do that for physical competition. But I never pass up. Do you reject a physical competition? Yes. Someone today wanted to fight me.

And I was like, why would I? No, they didn't. Yes. And it was six foot one. Stop it. Yeah. At the office here? It was the child of a team member here.

Sturdy 18 year old fella. And he was like, put him up. And I was like, I'm not going to fight you. I don't enter competitions. I know I can't win. Were you mean to him or was he just having fun? No, he was just trolling having a good time. But that's what bullies do, Rachel.

They want to fight. It's David and Goliath. Well, you know what, George, you know your best asset right here, not just a hat rack. It's what's inside that comes. That brain, George, of yours, you can really, you can really fight somebody to the... You know what? This makes you want to have a physical competition with you. Let's get on the skateboard and see who wins. Okay.

Let's throw a lacrosse ball and see if you can catch it. That's not a real sport. What? I'm sorry, but what are we doing with these sticks and your picture? And you're picking up the ball and you run with the ball and you chuck the ball. Oh, George. It's just strange. I'm from Massachusetts.

Let me take a board and put some little wheels on it and just wheel my way around. I'm sorry. Tell that to Tony Hawk while he's doing the 900 at the X games. I don't know. I just hear it. Wah, wah, wah. I don't even know what any of that means. Here's a question.

Let's continue. Is a sport without a ball? Is that really a sport? That's a big debate people have. Yes, it's called an extreme sport because it's more difficult than traditional sports. Have you ever heard that? No. They called the X games, Extreme.

Well, I knew it's called Extreme, but you're feeling very elitist. Are you okay? I'm not elitist. I just think, I've been dogged to my lack of athleticism. Take a sip and relax. And I'm like, I was almost a professional skateboarder. Almost. Oh, Lord.

Okay. So, let's do the extreme sports of investing, shall we? You know what? Investing is an extreme sport. This is very exciting. Okay, so let's just see. Let's see if we can do this. I'm going to throw out an investing term,

and you can throw them out back to me. We can go back and forth or just be you. And see if we can't explain it in 30 seconds or less. Who has the timer? I can. All right, go. I'm ready. Who wants to go first?

I'll let you go first. Okay. Ready? Go. The first word is mutual fund. So a mutual fund is 90 to 200 stock and a fund. So it's a fund that is mutually fund. So think about stocks like American Airlines.

I don't say Delta. I don't know why airlines are in Walmart, Microsoft, Apple. Think about all these companies, right? And you have 90 to 200 of those stocks in a fund. Now, there are different types of mutual funds, but a traditional mutual fund, that is what it is. And we like it because you diversify, you spread around your money, which is very important.

That was pretty good. I actually think we should make this harder. Oh. No, it did pretty good. I think we should do 20 seconds. 20 seconds, and you've got to throw in a random word and see if you can work it into the definition. Now, that's fun. Okay.

What? Why are we making this exponentially? Here we go. You ready to merge? Okay. And still keep 30 seconds because we may need it. 30 seconds. Okay, ready.

Hey, hold on. Okay. Stock market and elephant. Go. A stock market is a place that investors go to trade and buy stocks and mutual funds. And so when you think about this, it's regulated, it's transparent. There's different indexes on the stock market that track different companies. And so, you know, they say, how do you eat an elephant?

One bite at a time. And the same is true with investing in the stock market. You choose a fund and you hope that the value of that fund or stock grows over time, giving you an R-O-I. That was not great. That was so good. Were you in debate club? How nerdy are you that this, like, lights you out? That was so good.

Yeah, I did Deca. I was in a marketing club. That was so good. And it shows. And Toastmasters. I did a lot of that. Well done, George. Thank you.

All right. All right. All right. Tell me when you're ready. Ready? Hold on. Hold on. I'm so nervous.

All right. Go. Compound interest and ninja. So compound interest is a mathematical explosion, if you will. And Albert Einstein, who some would say are ninjas of the genius world. All right. Money grows. So your money grows.

your money when you invest it, it builds interest. So it makes interest on depending on what you invested in. But the great thing is, it's not just the principle and the interest that you're making on. Once you earn that... Man, love! You're on a roll, though. I know.

You were getting to the good part. Yeah, the good part. And so that is the next year you don't make interest on just the principles you put in. You make interest on the principal and the interest you earned the year before, and it just keeps building. Your money makes money, and that money makes money.

Just remember, Einstein was a ninja of the genius group. That was very good, though. Right? You're so proud. All right. Are you ready, George? Tell me. Sure.

Okay. Ready, set, go. NASDAQ and dirt. All right. NASDAQ is one of the indexes that I mentioned that trades on the stock market. And if you want to know what it stands for, I have it written down. National Association of Securities Dealers Automated Quotations. You never know.

need to know that because it's a stupid name. But what you do need to know, it's the second largest, it's the second largest stock exchange in the world. And what was the secret word? Dirt. And dirt. So when you think about this, this is a pile of dirt that is worth its weight in gold.

That was very good. Okay, next. Company match and banana. Ready, go. Okay, so your company match is traditionally with a 401k, if you were for a nonprofit of 403B, but this is where they match the percentage that you put into an account.

And so you think about it, and it's like, man, on the outside, it looks great, but just like a banana, when you actually peel back what is inside the fund, it's delicious and wonderful. So you always want to go up to the company match when you're investing in retirement. That was pretty good. Wow. You still had a few seconds to spare, girl. She didn't need it. She didn't need it. This is like who wants to be a millionaire where he just, like, wasted time because he

knew the answer. And he made the call just like, hey, dad, just want to let you know, I just won a million dollars. Are you ready for the next one? I hope so. Okay, let me think, let me think, let me think. Okay. Ready, go. Diversification and hammer.

Okay, diversification is a strategy where you spread out your money amongst different investments or assets for a better chance and less risk. And so when you think about this, in terms of secret word, hammer. Hammer. Hammer. You got a hammer and a nail, right? Yeah.

But sometimes you need more than just. just a hammer. Sometimes you need a drill. Sometimes you need a screw instead of a nail. And so this is diversification. If you got a toolbox, you need more than a hammer. That's good. That's good. That's good. For a guy who knows nothing at home improvement. I know. I tried to really throw you off. Sometimes you need to search to a saw. With a hammer. So they're giving you hair gel. Next up, net worth and super-cali-fragilistic XB. Aladocious.

Oh, my gosh. All right. And go. Okay, here we go. So your net worth. is what you own minus what you owe. So that is the equal definition of a net worth. And we always talk about net worth millionaires, you know, really wealthy people. If you remember Mary Poppins, that really wealthy family. Yeah, they had to hire a nanny,

and she came in and really helped out that family. And she said it so good, super fragileistic, expialitosis, and it was so great to that net worth millionaire family that was in Mary Poppins. Wow. It helped increase their net worth. In time. Oh, man.

I was going to say, when you have an amazing net worth and you build that nest egg, you can hire Mary Poppins so she can just go around the house, singing the Supercalifide, The Supercalifide's Levitical Casual Fialda. Hey, that wasn't your round. So I don't care, which you would have said. All right, George, let's give the people what they want. What do they want? Let's talk about investing.

You know, how do we do this? What does it look like? What should we be doing? Let's walk through it. Don't you feel like part of adulting is one of those things you eventually face is like, oh, gosh, what the heck? How do I invest? What do I do?

it's so complicated. We are your friends that are like, we're the cool friends who invest. Yeah, it's great. I mean, everyone should. You've been investing for how many years now? I mean, since you were a toddler, I feel like. Since I was a toddler. When we started working in high school, yeah, we worked enough hours. As soon as you had earned income. To be able to, yeah, Roth IRA. Yeah, we did. Which was, I mean, it's a huge benefit. It really is. So I think that the earlier you start, obviously, the better off you're going to be. And there's no excuses. Like, don't be 80 years old and be like, well, I never learn.

I'm like, we have access to the internet now and great shows like this. Just learn. Yeah. It's not that difficult. It's not going to take over your life. It's a set it and forget it model that we're going to show you today.

For sure. And you're never too old to not invest, right? So something like I'm too old. I just shouldn't do it. No, do it. And we have a great investing calculator. We'll put that link in the show notes. But go and run some numbers.

It's fun. And see it. Yeah. And like it really is motivating to like, okay, I can do that. Like even an extra 50 bucks a month. And you can see what it turns into. It's great.

Check out that in the show notes. lots of resources, in fact, about investing the stuff we're talking about today. It's in the description and show notes if you want more. All right. So lay down a foundation, George, of when you are ready to invest. That's a good point. A lot of people are trying to do 17 things at once, and you can't do any of them well. So here's the time when you know, all right, I'm ready to actually invest,

meaning I'm going to put money into a retirement account. I want this money to grow. And the time to do that is once you're completely debt-free, no consumer debt, with a fully funded emergency fund. That sets the foundation. You're not paying for the past anymore. You can start building for the future. So that's baby step four in the Ramsey plan,

which is invest 15% of your household income into retirement. Yeah. So when you're at that point, you're going to invest 15%, remember this. Match beats Roth beats traditional. So in a perfect world, you'd take 15% of your income and you'd say, okay, I'm going to go up to my company's match. So let's say it's 5% that they match, right?

So you go up to the 5%. So that means technically you have 10% of your income left. And your company, what they match, does not count towards your 15%. Okay, so their 5% is free. It's what you put in. So you got 10% left. So go over to your Roth IRA. And if you're able to max it out, you can. I think it's $75,000. $7,000 for 2020. Okay. So up to $7,000. Now, if you still have more of 15%, you can go back to your 401k and go ahead and put money into that. So that's kind of the formula that you do. And those are really the two best retirement vehicles. Now, if you somehow are a really high income earner and you max out both of those,

then that's when you can look into things like your HSA. You can use that as a retirement vehicle. Health savings account. Yeah, health savings account. Even index funds, if you want to look into some like that or just some standard mutual funds. But again, that 401K and Roth IRA, that's all you need. So let me say that. You can become a multimillionaire from those two accounts alone. And again, the 401k or a 403B if you're a nonprofit or teacher, a TSP if your government or military, those are all essentially the same. It's a tax advantage retirement account. And the Roth IRA, that just means it's outside of an employer. When you hear IRA, just think, this is not connected to my employer. Individual retirement account. Anybody who earns money can do this. And a fun fact,

let's see if a stay-at-home spouse, you can open up a spousal IRA, spouser Roth IRA, and fund that. So just because you're a stay-at-home parent doesn't mean that you can't invest. Yeah, which is huge. And then I'll throw this out because we get this question all that too about pensions. A lot of people have pensions. So if you have a pension, then really we say just divide it in half that percentage. So say it's like 7% or something. So just take... If they force you to contribute 7% of your income into the pension, we count that as half. So 3.5% is part of the 15%. The other half is lost because a pension is what they control. They control all the investments on their side. You don't have the freedom to choose. And so... And they perform poorly. So it's kind of hedging your bets by going, like,

I'm not going to count this as full, but we'll count it for something. For sure. Okay. So within, let's just stick with the 401k and the Roth IRA. So even within those accounts, here's what's tricky, you guys. That's just a type of account. It's just a treatment. Yeah, this is an adulting mistake we've heard.

Do not make this mistake. You can open up those accounts and actually put money in the account, and it just stays. You have to take one more step and actually invest that money. Purchase some shares and funds inside of it. Yes. So we talked to some people on the Ramsey show, and they're like, I thought it was already done. I opened a 401k.

Yeah, and then they go back and they're like, nothing happened. We're like, oh, no, you put money in that account, but you didn't go and invest into it. So a couple of ways that we look at this, because you even want to diversify how you invest that money in those funds. So we talked about mutual funds earlier. I don't know what our code word was in that game that we were playing, but mutual funds. Maybe in the first one, we didn't have a word yet. Oh, that's true.

Yeah, it's the 90 to 200 stock. But there's different types of those funds. So George, what are the four mutual funds that we say to invest in? So you might see these names. You might see them listed as other things like small cap, mid cap, large cap. But the four types are growth and income. And these are sort of like the foundation of your portfolio. They're very stable.

These are companies that have been around forever. And they're not going to have crazy growth. But we also know they're not going to take a deep nose dive either. That's right. So that's number one. The next one is just growth. So we have growth and income, then growth. These are filled with stocks from U.S. companies that are still in the up and up,

but the performance tends to ebb and flow with the stock market as a whole. So this is kind of like your medium, middle ground. Then you have aggressive growth. And this is more of the roller coaster. These are the smaller companies think like Silicon Valley startups. And when they're up, they're up real high. You're like, woo! But they can go down, buckle up.

You might be in for a ride. And so that's kind of the wild child. And then you have international as the final category, which is international companies that, you know, they might do business here in the U.S., but they're based out of, you know, Sweden or who knows where. And these also help spread your risk beyond American soil because we found there's an inverse relationship. When American stock market might be down, the international side will be up.

And so that helps also kind of manage some of the risk. So those are the four types you want in your portfolio. You can just split those, you know, a quarter here, a quarter here, a quarter there, and that adds up to 100%. Yeah. And you can sit down with an investment professional. We'll put a link to to find somebody in your area here in the show notes. But sit down with somebody that does this, right? It can feel very overwhelming. I know as we're throwing this out with like cocktails and conversation, we're just talking about it, it can feel a lot. So again, it's, it doesn't have to be that confusing, but having a pro in your corner, I think really does. It helps. And I'd also say make investing part of your monthly budget. Now, your 401K usually is taken out of your paycheck,

so what you bring home and what you're actually budgeting may be different. But have that savings line item in your budget and just know, hey, this is, this is what we're working towards. This is the money that's going to be invested. Now, have we talked about Roth yet and made it clear what the difference is because you hear those words a lot. Traditional 401K. Oh, that's true. No, yeah. We are big fans of Roth around here. And the reason is you're using after-tax money. So you don't get a tax deduction like you would have with a traditional 401K. And people might say, well, I love my tax deduction, Rachel. It helps lower my tax bill. Well, here's the thing. You're going to have to pay taxes on that money way later in retirement after it's grown to a

pretty crazy number. So the beautiful thing about Roth accounts is if you have $2 million in a Roth account, that means you've already paid taxes on it, it's essentially like saying, you have $2 million of net after-tax income at your disposal. Yep. And so we don't know what tax rates will be like when we retire one day. I'm making the assumption that they're probably going to be a little bit higher than they are today. And I don't want to have to figure out how much I want to spend in retirement to avoid taxes. I just want to go, I want to ball out in retirement and not think about what the taxes are going to be.

And that's why I love Roth. Yep. All right, George, you are a Debbie Downer sometimes. It feels like a weird disclaimer, but okay. I'm kidding. But what are the noes of investing? Like, go down the list and just be like, no, no, no, no, no, no. I've never done this before, this move with the finger on the finger.

This is like an X. It's like a no, no, no, no. You're right. I covered this in the chapter of my book, Breaking Free from Broke. I did a whole chapter on investment traps. Because as much as there is great, you know, financial information out there and investing is super simple, there's so many idiots on the internet trying to, to overcomplicate it and trying to sell you on things that you shouldn't be investing in.

And they make it sound great. Oh, they make it sound like, they'll be like, the 401K is a scam invented by the government. What you really need is to buy my course. And I'm like, okay, maybe don't listen to that guy. Or life insurance is for your life while you're living. So use it. And then you're like, oh, my God, why have I not been doing this? Because it's not right.

So let's throw some out there and let's get some takes on what they are. One of your favorites, George. Cryptocurrency. Okay. You've heard me say that. cryptocurrency is Mary Kay for young men. And I stand by that. And I talked to a family member yesterday

who was obsessed with crypto. And even he was like, oh yeah, it's like a scam. It's for degenerate gamblers, is what he said. Oh my gosh. Because here's why. You're betting on crypto. Don't tell me you're investing in crypto.

It's a bet. It's a bet. It's speculative, meaning that crypto doesn't have any real worth. And it's super risky. As the conspiracy theorist of the group, let me just say, though, come, you know, 20, 30 years. Like where our digital world is going.

I'm not saying that digital currency isn't going to happen. Like, that it may not be a thing. So there may be a time and a place that it actually starts working. Sure. If there's like crypto inside of a mutual fund that has a great track record. And it has, but yeah, that it may have a good track record down the road. But where we stand today, you guys, yeah, it's not. It is a gamble.

And there's so many scams in that world too. So many people lose money. Signed up for stuff. That's just a complete scam. So watch off for that. Next. NFTs. Non-fungible tokens

I mean just this is so strange Do you know anyone that actually bought an NFT? No because it was like a really big deal like two years ago And I feel like they kind of They've died out I don't know Other than Trump selling his like NFTs of himself As like superheroes have you seen that?

No They were like rare limited edition Stop it Yeah they're hilarious Okay get ready for these They're basically like a digital asset That you can like flex It's a flexive ownership

It's really a sense of ownership because you don't actually own the artwork. You own a digital version of that artwork that you can flex and be like, well, I actually own it. It means nothing. You can never resell them for what you paid for it. Avoid these at all costs. So funny.

Okay, investing apps. Ooh, so like I'm thinking acorns and betterment and wealth front. There's a thousand out there, Robin Hood. That make it really easy to, like, get in the market and buy some stock and sell it. And, I mean, they make it super easy. Yeah. As we know, apps are just dangerous.

And I think apps are, they exist to take your money, not make you money when it comes to investing. And so they'll lure you in with notifications and here's a trade and here's a deal and we'll give you this credit and this free stock. And it causes people to make really terrible decisions and jump in and out, which we never recommend. So I would recommend sticking, if you're going to do it yourself, stick with the big dogs with actual big websites like Vanguard, Fidelity, and Schwab. Right. Those are the top three. Yeah, because with the apps, it is this instant decisions that you make. and usually when it comes to investing, that is the wrong way to go about it.

Like, you want to be in it for the long haul. And this, like, quick in and out feel, it's, yeah. It's not the vibe. Not great. All right, let's go, uh, ETFs. Oh, that's a fun one. Okay, this one I'm not, like, mad at. It's an exchange traded fund.

So what this means is you think about a mutual fund like we talked about, but it trades like a stock. So with mutual funds, it's at the end of the day, the mutual fund is worth a price. With ETFs and stocks that, the price will change during the day. And so that can cause people to jump in and out trying to time the market, which I never recommend. So the ETS as a whole, totally fine.

They can have really low costs, low fees, which is great. And it's a bundled group of stocks, like a mutual fund. But it can cause people to behave and invest in a way that is risky. Yeah, that's great. Okay, so just a couple other rules, we'll list some stuff out here. Permanent life insurance, single stocks, day trading, bonds, annuities, micro-investing money-market accounts,

index funds, CDs, uh, REITs, gambling. R-E-S-P-E-C-T's. What? Oh my gosh. Respect. Precious metals, leverage,

real estate. So, so some of these out there. Some of them aren't terrible things. Yeah, money markets aren't bad. Yeah, but again. They range from like okay to absolutely sucks. Yeah. But these are none of these I would recommend for investing.

That's right. That's right. So investing is for the long term five years or more. That was great, George. I had a good time. I can't speak for the listeners. We just, we hoped you did. I feel like if you were going to have like a little primer on investing,

that was a good, like 20 minutes and you're done. You're welcome. I hope that was good forever. Painless. Okay, it's almost the end of the episode, and we close out every episode with Guilty as charged. And this is where our producer, Lindsay, gives us a new guilty-starch question every week. And if we're guilty, we take a sip.

Lindsay? Yes. So I've asked you before If you've ever Re-gifted a gift you were given, remember? Yep But have you ever sold something you received as a gift? Oh, that's next level.

Oh, gosh. On the marketplace? On the marketplace? Facebook marketplace or somewhere. Man, I would have to go back to like wedding time 15 years ago. Like I feel like when we... Where did you sell stuff back then?

Well, no, I was going to say when we moved in 2018. we had a closet, y'all, in our house that still had stuff from our wedding that, like, we didn't use. Did you sell at, like, a garage sale? That's what I'm trying to think, like, what we did with some of that. I feel like we gave some of it away. I feel like, I don't know. I'm going to say I'm innocent.

I cannot think of a thing that I sold that I was gifted. I can't think of it. Yeah. I know I'm guilty. I can't think of the thing, but here's why I know. I know that feeling because I was like, oh, no, I hope the person who gave it to us doesn't see this on Facebook marketplace. Oh, yeah. So that's where I may have attempted and then went,

nope, I'm not doing it. Too risky. So I'm going to go, I'm going to go not guilty, but did I think about it? Was there malice? Was there intent? Yes. We're so innocent.

Wow. It's risky. I'm just saying, like, you've got to be careful who you sell it too. We're not innocent usually with these questions. I feel really. I'm not that innocent. Thank you, Brittany.

How that felt really great. I'm so glad. I tend to just want to give it right. Usually, like, if I get gifted something, it's not worth hundreds and hundreds of dollars. Oh, you know what I can think of, like a gift card? That's where it's done. You've sold that, though?

Like someone gifts you a $100 gift card to a restaurant you wouldn't darken the door of. You would just re-gift it. You wouldn't sell it. What would you not darken the door of? I would say, I immediately went, I immediately went Cheesecake Factory and I love it. Like, like, where would you get a gift card?

I'll give you an example. Red Robin? Well, like, we've got this as a gift. And it's just a place that we have not been to in years. Yes, I love Boogie George. Oh, Charlies. Oh, Charlie's. I just haven't been.

I can't think of the next time we're going to do a date night at O'Charlie's. Give them to me. That's all I remember. Okay. If I still have them, I'm going to give it to the Heather Lees. Do we still have one in Nashville? Yeah. It's off of 96.

Okay. Oh, that's right. Yeah, yeah, yeah, yeah, yeah. I do know that one. She's like the address is. Do I know my order? Yes, I do. But it's nice.

Did they still have the one off all the street boulevard? You know what? We're going to do a double date at O'Charlie's. I can't wait. Double date with Whitney and Jordan. Craigins, Lindsay's even more excited. Okay, would you do O'Charlie's or Olive Garden? Um, O'Charly's.

Oh, oh, oh, oh, Charlie's. And you get free pie on. Baby back ribs. Barbecue sauce. Baby back ribs. Different. Wow. Chili's or O'Charlies.

Oh, Charlies. Wow. I do not like, I don't like chilies. You are a fan. Oh, I love Chili's in the airport's my favorite. It's time for us. I like Texas Roleys. Did you like Texas Roadhouse?

Is that the one with the peanuts on the ground? No, go Chili's over Texas Red House? No. Wow. Okay, new episode idea. Let me know if you want this in the comments. We do a bracket-style challenge. That would be a fascinating.

American chain restaurants. American chain corporate restaurants. Bracket style challenge. Love it. Oh, y'all. I love going out to eat. It is like such my crows tonight. I've never seen some of joy in your face.

I cannot wait. We're getting Sonic tonight for dinner because the girls have swim lessons. Wow. And I cannot wait for my mom. Realistics. I love it, y'all. It's more from you than the girls. Can we just admit that?

I know. I just love going out to eat. It is so fun. It is fun. I agree. So good. All right. We know.

So great. Don't we sell your gift cards on Facebook. There you go. That's what it was. It was in the work forums. And I was like, oh, no. I hope someone from work. You were selling it on the work phone.

Yeah, like someone from work gave it to us. And I was like, I can't list this on the work forums because then they're going to see it. You're right about that. So I thought that counts. I appreciate the general thing. What if I sold your $5 Starbucks card that she got me for my birthday? Did you remember that? Yeah.

Did you not use it? No, I don't drink Starbucks, really. I'm not like cure it. But you like the Chai Tea? Mm-hmm. I do like Chitee. I just never go through Starbucks Drive-Thru. Yeah.

Not worth it. Oh, I'm sorry, Miss O. Charlie's not worth it. All right. That's fine. I just had my first, speaking of coffee, cold brew from your set, actually. Eboo. You gave her coffee from my set. The Starbucks nitro cans?

That's high quality. Why would you give it to her? I know, because I never had nice coffee. I think I had one in my life. I'm not a nice coffee. That's good stuff. And it was delicious. I drank about half.

It's not bitter. Can I tell you that was 140 milligrams of caffeine? Half of it is? So that was like two shots of espresso in half a can is what you had. Holy crap. I'm so glad I didn't drink that whole thing. And now I'm drinking a Moscow. Can I be honest?

I drank an entire can before I came out here. Are you not that's why you have sleep issues, George. You can't drink that much caffeine. You don't get to diagnose me. That is a lot of caffeine. I'm shook. Who are you to judge? You're drinking at 4 p.m. Rachel, who are you to judge?

You're on the clock. All right. Who finished first? Let's see. Let's compare notes. I think I'm a little closer. Yeah, I think you are. It was just so cold that it was like hard to grab.

This was a moss cow mule, which is a classic beverage. it breaks down to $2.55.55 per glass. So a pretty affordable cocktail. Here's what's in it. It's got vodka, fresh lime juice. It's got to be fresh. Ginger beer, which is non-alcoholic, by the way, and simple syrup. So you mix those things together.

It's gingery. It's lymie. It's got that zip and zang. And it's a classic for a reason. And you know, I've heard of a Mexican mule, and instead of vodka, you do tequila. And there's a Kentucky mule where you use bourbon. That's right, yes. I'm sure there's one with rum.

Oh, Darken Storm. me is rum and ginger beer with lime. Fun. Yeah, yeah. There you go. It's a great drink. You can make all kinds of things with it and listen if you want to make it a mocktail, it's a great one. Just leave out the vodka and do ginger beer, lime juice, and simple syrup. You may not even need the simple syrup. You got to muddle that mint. Oh, that's right. They didn't include this on here, but I think fresh mint,

you can muddle it if you like, add it on top. We've got some in here. That really makes it pop. Well, what do you guys rate it? You didn't say. Oh. Oh, yeah. Okay. I am not... You don't like ginger, do you? Yeah, I'm not a ginger beer fan, so I wouldn't order at a restaurant. But it was good. So I'm like, ooh, I'm going to have seven because of that. I'm going to go seven as well. I used to love them, but any drink that I can make at home in two seconds,

I'm like, it's less exciting for me. I like something a little more complex, more interesting. This is fine, but I think my palate has, you know, it's advanced, Rachel. Well, I'll make sure that we order you when at O. Charlie's next time we You'll make sure an extra tart. Unbelievable. Yeah, if I was going to do this again, I would add even more lime. Of course, you would add sour.

Of course, you would add sour. Yeah. The cheesecake. Just give them a sour patch kid bag. Honestly, that sounds delicious. If that was a drink, I would order it. You would drink it. All right, it's closing time.

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