Smart Money Happy Hour with Rachel Cruze and George Kamel - Cringe or Cool? People Financially Oversharing on the Internet

Episode Date: June 11, 2026

💵 Create a free budget and find more margin with EveryDollar.   If you have feelings about married couples requesting coffee payments from each other on Venmo, you’re in the right place. Today we’re unpacking bizarre public money behaviors—stay tuned to find out if you’re guilty! Next Steps: ·   🎙️ Catch our episode Out With the New, In With the Old: Money and Lifestyle Trends. ·   🍸 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.    Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍑 Sweet Georgia Peach Smash Recipe by: Pizzazzerie ·       2 ounces bourbon ·       1 teaspoon lemon juice ·       1 ounce simple syrup ·       3 slices peach ·       1 splash seltzer water Instructions: Fill glass with crushed ice. Combine bourbon, lemon juice, and simple syrup in a cocktail shaker. Shake and strain into glass. Top with a splash of seltzer water and garnish with peach slices.   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

If you have feelings about married couples Venmo requesting each other, you're in the right place. Today we are unpacking bizarre public money behaviors. Fire hydrant, a tooth, and a mermaid. That's not a hydrant. Okay, Kyle, like you guys really paid for that. Kyle. Daddy paid half down for me. I love following people on vacation.

I'm like, take me with you. Please post more. I'll come back to your page. Hey, guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money Happy House. Cheers, George. Cheers.

Zippity-Duda. Summer in a glass. That's nice. Well, this is the show where two friends who happen to be money experts talk about what you're talking about. So everything from pop culture,

current events, and money. And before we get to the matter at hand, let's talk about what we're sipping on here. This is a sweet Georgia peach smash. I mean, I love it, George. Take me to the derby. I will sip on this. Take me up to the ball game.

I'll go anywhere with this drink. This is great. All right, stick around to the end. we're going to give you our rating and reveal the cost per glass. You don't want to miss that. All right, Rachel, I'm not one for PDA. Unless it's old people. I think old people, it becomes cute again.

I agree. Look a little hold hand, a little smooch. Yes. You know, I think any kiss lasting longer than five seconds where other people can see you is a little much. You know what, I'm with you. I think that's fair. You get a five. You know what?

We don't need it. If they're leaving for a long time, I'll give you an extra five seconds. Especially if they're part of the armed forces and they're leaving on deployment. You do what you want at that point. break my heart. Oh my gosh. If you're in uniform, I'm going to look the other way. You know what you're going to look the other way.

Is, yeah, veterans, older veterans for like World War II coming off a Southwest plane. Oh, yeah. When it's been a yes, and everyone stands and applauds them. Oh, George. That is. I don't know if anything could be more patriotic. I will say, like, for some reason, like teenage, like high schoolers when they're like, they're innocent love, there's something sweet about that.

Oh, I'll say. But you know what I mean? When you're like, oh, I remember those days. Not that I wasn't obviously No one was dating me Same side of the booth Yay or nay Here's my rule

If the table is so big That we can't like grab each other's hand across the table That's too big of a table We'll do same side Okay Okay Or if we're gonna share like salonserie Or if you're in a horseshoe

Horseshoe booth Both on the end right So you can look out at the restaurant And talk about people So once a do Both at the end versus like scooting to the middle of the horseshoe. Yeah, we go middle horseshoe.

Yeah, that makes sense. Okay, okay. But same side booth at Chili's. I just can't do it. Oh, how about this? Square table. Do you sit across from each other or do you catty corner?

We catty corner. I like a catty corner. Yeah, we're a catty corner. We like to share bites and things too. 100%. And again, we've got to be looking at the restaurant. And truthfully, don't love just like staring across at someone. Your wife.

It just, it feels too, it's just like there's still personal space. That's fair. Okay. We're off on our tangent. Yeah, that was fun. That's good. Well, this is about public displays of transaction. Oh, so not PDA, but the transactions.

Yeah. I just don't like it, and that actually bothers me much more than PDA. When you see couples vimoing each other, married. That's the ticket. Couples, could you imagine Winston Cruz having the audacity to vimmo me? That might be the last time. With like a Starbucks or something. I'm like, what are you doing, you fool?

I'm trying to think of the scenario in which that would even make sense. Well, when you share an account, I would think that probably doesn't happen because it's all coming out of one place. Because if I Venmo you, you put it from Venmo to bank account. Yeah, I have the same bank account. So that makes me think that you're both separate bank accounts and someone pays certain bills, some pay certain bills. And if they cross, they got to be evened up. But then you have to think about the scenario in which one spouse said, yeah, all got it. Just Venmo me.

Like casually asking the person that you procreated with. to like, I could not imagine, but make sure you get me back now. I could not imagine and we'll keep it family friendly, but then you go home and you're exchanging all things, but you're going to Venmo? Yep. Do you know what I'm saying? Like, crazy. Like that's your line?

That's your line. So crazy to me. I don't understand it. I did pull up your Venmo to see. Oh, God. I noticed one thing. You have 11 friends on Venmo. Like, how is that even possible that you have no friends on Venmo?

I don't do friend requests. People try to request me, and I'm like... You accepted mine, which I appreciate. I did. I would have been pretty perturbed if you didn't, to be honest. Yeah, I don't do... Yeah, yeah, yeah, yeah. Well, at some point, you decided to stop making your feed public,

but there's a good six transactions here. The pre-public Rachel on Venmo that I want to... I want to let you know happened. See if this jogs your memory. What year would this have been? This was all 2018, from February to May. My gosh. So I think you turned off...

Before I had Charles. The private setting. So I had Caroline. Caroline was one years old. And to be fair, some people were paying you, and there was only three where you paid them. So half, it's half, half. Your sister Denise paid you for flowers on February 13th. I assume that's a Valentine's Day?

February 13th. Yeah. Okay. Yeah, but I don't know why Denise was... You then paid Denise for bathing suit emoji plus two blonde girls. What is that about? Because you don't have any blonde girls. A bathing suit emoji and two blonde girls.

That was, I bet, for Amelia and Caroline. I'm sorry, Amelia and Lydia. No, we got the matching swimsuits for a beach trip we did when they were little. And Amelia was light back in the day. She's not as, she's Burnett now, but she was light when she was little. Maybe you didn't know how to change the emojis to different hairstyles back then. I bet they couldn't be changed in 2018. That's fair.

Okay. All right, Mary Ellen paid you for pizza in a movie. Okay. You paid Tyler for a baby shower. That was Chelsea. Yes. We threw a baby shower for my friend. Yes, so that was a shared Vimmo.

But then it gets more intriguing. Chris paid you for Flamingo pool float? When was it? Give me a date. April 1st, 2018. April Fool's Day. April 1st. So we do a cruise beach trip every spring break.

So March, and I bet we went to like Target or something about a bunch of pool floats. And I probably bought a bunch and then he's paying me back. That makes sense. Okay. I'm making this up. And finally, we have the mermaid emoji from you to your sister, Denise, May 28th, 2018. Another mermaid emoji. I rest my case, Your Honor. A mermaid emoji. What was the date?

A lot of water-related activities for you. This is crazy. I love a beach. Flowers, pizzas, pool floats. What a life. What a fun life I have. That's a pretty... And that's just six transactions. I think you turned it on private after that, which I appreciate. Okay, well, the emoji, mystery emoji's funny. So, our wonderful writer staff created a new game that there's going to be three emojis.

And we have to come up with a scenario, each of us individually, of what we think those emojis are. We just make it up, okay? This is like emoji improv. We got 20 seconds, and we get to rate how well we did, one to 10. Okay. Maybe the team can rate us, too, so we can get an even amount. Okay, I'll go first. It's a fire hydrant, a tooth, and a mermaid.

That's not a hydrant. I know it's small. To be fair, she has bad vision. Fire, extinguant. and a tooth and a mermaid. Okay, I'm going to say that one of my kids' tooth got knocked out. All right. When we were cleaning out the pantry and we have a fire extinguisher and it fell off the cabinet,

hit the tooth. And in order to have like the tooth fairy come later, which was the mermaid emoji, we had to make sure that the dental repair was good and our friend was there. and so actually paid the deposits and I'm paying them back. That was good. I'm convinced. The mermaid was the tooth fairy,

but I didn't know the fairy emoji. The old mermaid fairy. So I replaced it with the whole mermaid fairy. That's great. But we had to get the tooth back so that the tooth fairy would come. How good was that, George? I was pretty creative.

I mean, it had a twist and turns. Friends became enemies, enemies became friends. It was wild ride. What do you give it? All right. I'll give that an 8 out of 10 for creativity. Wow, okay. Because truthfully, that was a really hard one.

Okay, thank you. I would not have been able to come up with anything. Okay, I did it. All right. Okay, you go next, George. Okay, I have the, I've got the party hat emoji. Love that one. They're blowing.

What's that thing called? The little party favor? We know what it's sound it makes. I can't think of the name. Then a spider emoji. Okay. Followed by. An orange.

Is that an orange? Oh, I thought it was a pumpkin. That's an orange. Go big orange. That's what I use for my UT during football season. Perfect. Okay. Okay, go. I'm throwing a huge party for Halloween. You guys are invited. Cruises are coming over.

I want it to be spooky, but also football-themed because we're going to watch the big game. It's a big game. And it falls on Saturday. And it falls on a Saturday. So we've got Go Big Orange, hence the orange emoji. And I'm definitely getting pizzas. Didn't even include the pizza emoji.

That's a bonus for you. Oh, my. Oh my gosh. Papa Johns. That was good. Yes. I love Papa Jones. It's so good. This sounds like a party you would want to attend. It actually sounds really fun. I'm going to have seven out of ten. It just didn't have the umph that I needed. Yeah. Well, there was no plot. There's not like a lot of twists and turns there.

Yeah, you got to give me a good story. Nobody was injured. No money was exchanged. Yeah, because who were you venmoing? Everyone's venmoing me. Oh, for the party. because you're cheap and you're like, I cannot just host. I went all out.

I expected to be paid. I went to Party City. Hosting to. That's the level. Are you serious? What am I going to do? That's where I got all of my decor for all of my parties. I guess Spirit Halloween will have to pop up and abandon raw stress for us.

against my will and I did not want to be in there. I loved Party City. There's always balloons getting blown up and I don't like the sound of that. It's a lot happening. I'm surprised it went out of business. I don't like it was always packed. You know the squeak of a balloon? It's triggering for me.

It's a lot. Okay. All right. Next scenario. Oh my cheese. Okay. We got a thing of yarn. What do you call?

A spool? A spool of yarn. It looks like a ticket to wherever I decide to make up with my story. Like an old school ticket. and then a magic eight ball. Or is it a, it could be a pool. Oh, oh, yeah, I went magic eight ball. But I thought the same thing.

Either way, we don't know. Or a pool. I'll let you go either way with that one. All right, here we go. We went and saw the real Cinderella at the movie theater with Amelia and Caroline and six of their friends. And they all decided after to go make their dresses,

make dresses like the little mice did, you know what you mean in Cinderella? So I went, but I had a magic eight ball to be like, are we really going to do it or not? And me and the moms were like, I don't know, what does it say? And we shook and it said, of course. So we went. But I paid for everything, so they were paying me back.

Wow. What a fun creative idea. This is a new mom hack as you bring a magic eight ball and it's like, the kids all have ideas and like whoever gets it to be like, absolutely, they win. Yeah. What do you think about that? I love that. I'm going to give that a nine out of ten. Yes, George, you're so generous. Thank you.

All right, last one. Oh, this is funny. This is good. Oh, this is perfect. Okay, there's an ice cube emoji, followed by a microphone emoji, followed by a yoga emoji. Yep. So here's what happened. Okay, what happened? This was my birthday party. Oh, okay.

And I decided all the dudes were going to do an ice plunge. Cold punch. A little cold plunge. Yeah. followed by karaoke. Ah. And we're going to end the night with some hot yoga. Really just loosen up, get limber after a couple of drinks in karaoke.

And boy, oh boy, what a time we had. Just four of us guys. Listen, just because you can't sing doesn't mean other people can't. Emoji to emoji to emoji and just name them off. Yeah, that's a sequence of events. I don't know why I was bored. It's not a party you would want to go to. Yeah.

George, I'm so sorry. I think I gave you a six. I think I won. I should have rated you poorly, so I could have won. I'm kidding. I'm kidding. That was fun. Listen, when we do talk about, though, the whole Venmo being a public, right?

We are very big on financial transparency, though. And we host a show at the time with couples specifically that, like, hide money or have accounts that they just found that about or like, whatever. So we are all about financial transparency, but also we know that money is very personal to you in the outside world. And so there's a time and place of what you share and what you don't with those outside of your family. And if you and your spouse are actually out there

paying each other back for lattes or dinner or whatever, you're going to end up on Rachel's prayer list among many highly love celebrities. Love them. So maybe you're in good company. But either way, it's not on the right kind of prayer list. No. You've done something wrong.

Yeah, and I would say for all couples, but especially if you lean that way, check out every dollar. It's our budgeting app, but it's a great way to get two people together, right, to agree on like a household budget. That's the key. Instead of thinking of like individualized money,

it's like, hey, this is our household. And how can we most efficiently run our household together as two adults who have chosen to get married and spend their lives together, right? But every dollar's great with that. And it's private. Although maybe we should launch a public, budget edition. Now that would be interesting.

Just put your business out there. That would be funny. All right, let's continue this rant party, respectfully. It's judgment, but it's fun and lighthearted. Okay, don't at me. Our team has pulled more public financial flex scenarios. I love it. Of things you're doing in public on the internet to go, is this a flex or is it well-intentioned? Yeah, kind of like cramined your flex. We'll see. Before we dive into that, though, I think a major flex is if you were head to toe in all

cozy earth. Because cozy earth products are just That just says something. And you know what? It's quiet luxury. You don't even know it's cozy earth? Because they don't got to print it everywhere, right? No. But if you know.

If you know, you know. If you know, you know, as the kids say. And that is, uh, it's big, though. Quality in its perfection. And I got, I got some big compliments for my wife. I wore the first layer lounge set. Yes. In this kind of nice, really nice blue.

And she was like, what is this number? She was like, get me this, George. I know. It has that material you just want to, like, feel it. Yes. Oh, it's so soft. It's so great. And I just gifted my brother their everywhere pants and the joggers so that we can match now. Which he doesn't like that part.

He has no control of it. Bro and bro. When he visits me, we're going to be decked out and cozy earth. I love it. Yeah. So whether it is the clothes, the athleisure wear, the socks, the sheets, the blankets, I mean, towels we could go on and on and on, Cozy Earth is where it's at and they have a great discount.

Yes. You can give the gift of everyday luxury to yourself or people. people you love, just go to cozyearth.com slash smart money and you'll get up to 20% off. We'll also drop a link in the description to that. And you can fill out the post-purchase survey. Let them know Smart Money Happy Hour sent you. We'd appreciate that. All right. Let's go example number one. Is this financial flex cringe or cool? The debt payoff journey posts on Facebook. Oh. What would you say? Is that cringe or is that cool? There's a level of humility to it that I think is, it doesn't feel like you're flexing.

When you're like, hey, we're in crippling debt and we're making an attempt to get out. You know what I mean? Yeah, totally, totally. They're not bragging about the debt. Yes. They are trying to probably get some accountability, maybe inspire some other people along the way. And I think there's something sort of freeing about putting it out there. Out there.

To know, like, you're not alone. Yeah. Other people are on the journey too. Yes. Yeah, I think there's definitely like an empathy play. because I think more people in your life than you realize relate to that. But no one talks about it.

So when you put yourself out there, it's probably a little vulnerable. Be like, hey, but knowing that people probably relate. And I think it's all in the caption, you know? Like if you're just like, oh, my hubby and I just paid off $300,000 in four months,

where's that free? You know, it's like, oh, dang, y'all either sold a big asset or make a crap ton of money or something, right? But like the journey aspect of like, yes, we've been working hard, here's our heart, the vulnerability of,

like we were in a place that we didn't like and we were stressed and now we're choosing to do something different seasons of sacrifice right you kind of like paint the whole thing I think it's great yeah and the context matters too a great place for this is the ramsie babyseps facebook group oh yeah because there's like hundreds of thousands of people and it's so normal to share your wins yes your struggles that's right on there versus just publicly to people who you know know you as an acquaintance yep but i'm still for this especially instagram TikTok accounts that are specific specifically for that or it's like follow along. I love that. Here's our goal. Here's what we're doing.

I think it shows people the reality of it. And it makes the sacrifice a little more attainable. Yeah, I agree. Okay, I'm going to go more cool on this. Yeah. Eileen, cool. Yep. All right. The next example, Financial Flex, Cringer Cool. Loud budgeting trend on TikTok.

Now, there's a range to this. Like, if you're watching an influencer share that they bring in $20,000 a month, and that might feed your comparison spiral. Like, that's not a good thing. Oh, yeah. That's fair. Because I see some of these posts. There's like, here's how we budget as a family for, for, you know, $18,000 a month. They're like, okay, well, this is now unrelatable.

You know, it feels like it has to be low enough that you couldn't be bragging. Yes. If you're going to talk about how much you're budgeting. But I love the, you know, even the like envelope stuffing. Yes. That's what I thought of when I heard law of budget. I don't know. I went to the videos of like, yes, stuffing the envelopes, right?

Like here's how much I have for food, gas, groceries. Yeah, I like that. Yeah, the loud budgeting. I may be a little old school on this. It does feel a little strange. I don't know I'm on a show that we ask people their budgets every day and they tell everyone. But to put on social media your specific income,

maybe it's a next level transparency. Yeah, it's just, I don't know why. I'm like, it just, not that it hits me weird or not that I like, I just, I'm a little bit more old school where I'm like, I just don't know if that's anyone's business unless you're teaching someone how to do it, but just doing it to do it, right,

would feel a little crunch to me. Yeah, and we ask, I mean, our debt-free screams on the stage, we ask them, what's your household income? 100%. Just so there's context for the debt payoff journey. Because otherwise you're like, well, were they making $150,000 or $40,000?

Sure, yeah. That drastically affects the transformation. 100%. But loud budgeting specifically when I hear that. That's like you're going through every line item of your budget. Yeah. So I guess I'm like, I guess you're using it for a teaching tool.

Part of me is like, okay, Sarah, cool, right? Like, I don't know. Cool, Sarah. I don't know. Does that make sense? There's a range of what these videos are going to. It's a range. Okay, so, but more people that do loud budgeting are trying to teach content, right?

Would we agree with that? Yes. And they're definitely like anti-debt. They're all about intentionality. Okay, okay. So that I'm going to say cool. Yeah. In that vein, I'm going to say cool. I'm sure there's some cringe ones out there, but as a pile, I'm going to go, this is a cool.

Beautiful. All right, next, net worth milestone posts on LinkedIn. Oh, gosh. Are these real? A net worth milestone. Again, LinkedIn feels like not the place. So I think LinkedIn as a specific channel and platform, not into that. I'm going to say more cringe.

Now, we have like Babyseps Millionaires, right? There's a whole book on it. And people come to us on like, if they come watch the show and they're like, we're Babyseps Millionaires. They whisper it. whispered always. They don't want to make a scene. They're very modest. And Dave's always like, tell everyone. And I'm like, I don't know if people want to like, because at that point, I don't, what does that do to tell everyone, right?

And again, if it's your close friends and people know you're on a journey or like, again, plug you into the weird Ramsey solar system of life. Oh, I like that. The Ramsey's solar system. We understand it, right? Like we're like, we celebrate those things. It's what we do. It doesn't feel weird to me when people say it to me. because of what they've accomplished, but just out there on LinkedIn. Yeah. A little weird.

Sorry, I'm so distracted now thinking about who would be what planet. I'm like, is Dave the sun? Everything revolves around him. Oh, my gosh. Is that how it works? How many moons do you have, George? Yeah.

I want to know. I feel like Rachel's got a few rings. She likes to accessorize. But she's also tasteful. She's not going to be a... I feel like Deloni's a Jupiter. He's like a... Just make it big, bro.

Make it huge. You know what I mean? I don't know. It's good. You could be a Venus. Well, thank you. Venus is tasteful. Yeah.

Jake could be a Saturn. I feel like Saturn's really cool. And it's got that real. She's got a cool factor. Everyone wanted to be Saturn, like, wanted a Saturn, like in the... When you did your shoebox. Just say on Pluto. I know you want.

I said, I thought it. I thought it. Small, often forgotten. Is it even a planet? I get it. I'm lucky to be a moon in your orbit, Rachel. Oh. That was fun. You're a sweet George. Good friend. You're a good friend. I wasn't trying to be nice. You're a good friend. Oh, my gosh. But, yes, back to the trend at hand. Yes. I do think the milestone one, like I share my story of going from negative net worth to baby steps millionaire following the plan.

Yeah. But I do it in, I hope it doesn't come across bragging. In context, though. Yes. It's like in a bio or I'm trying to convince someone that it can happen for them too. It's never out of context at a party. Yeah. Maybe I'm being so hypocritical in this camera. I'm like, when we do it, it's fine. Well, if you're teaching financial content, you want to know that someone's actually walked the talk. So I think it's different in that regard versus an average Joe on the street. I know, right? But I still think the Ramsey Babyseps, there's actually a Babyseps Millionaire's group as well. So I think those groups, like when there's the context, a shared context, it makes much more sense. It makes much more sense.

Yeah, yeah, yeah, yeah. Versus just something like I'm a millionaire. You just post that on Instagram. I'd be like, okay, and I will say this. Maybe I'm probably so, I don't know, I'm throwing off on this whole episode

because of who I am. My conscience is like pulling me all directions. You're a good person. No, because I'm like, Babysups Millionaire means I worked a plan and I'm biased.

But it's like, oh, actually a healthy plan that's like not like get rich quick. Like you've done a lot of hard. It's implied. There's no trust funds.

There's a lot of hard work. You know what you mean? It wasn't handed to you. Like you were self-made. Yeah. So when I see like, net worth on here, when that was the scenario, I went to, like, Brad being like $3 million in equities.

And you're like, to be fair, you've said on this show multiple times, you're not a fan of net worth as a measurement. That's right. Like, as a focal point. A focal point. Not my favorite. But, okay. It's not my favorite.

That's a southern way to say. I hate it. That is so hard. It's not my favorite. I know. So to be a babysaps millionaire, though, you do have to be intentional. And it's important for anyone, whether you are a baby steps millionaire or not, to be intentional about where you bank.

And that's why we love... It's a make or break. Fairwin's Credit Union, y'all. They are the best, honestly. There is a great smart bundle. So you get a no-fee checking account. You get up to 10 high-yield savings accounts. And then the Ramsey Beware debit card.

And Winston and I were just talking this weekend. Because our kids are getting money and we're trying to teach them like, don't spend everything. Because they've been so young. So we're like, you know, we're kind of flexed with it. But it's to the point now where I'm like, no. especially Amelia, we need to tighten up and like actually she needs her own savings account. And Winston was like, doesn't fair ones have 10 options like on our account? Oh, yeah.

And we can add like an email, yeah, in a million line and then an account. Yeah, so we're going to open up. Yes, we're going to have a couple of high yield savings accounts. That's so fun. I know, which they make it so easy to do it. That's why I love it. So they're wonderful. And like people, if you haven't used the credit union before, I love it because they are really focused on their members.

They are owned by the members versus shareholders on Wall Street. and so they're going to treat you like a real person. Their customer service is amazing. I've actually talked to them on the phone. That's incredible. No, they call. They call you when you make an account. It's so wild.

So check it all out. Go to fairwins.org slash Ramsey to learn more and just kind of add it to your banking mix. I'm not telling you to like you have to make to switch tomorrow and switch everything over. I know that's some work. But once you get a taste of what real banking should be, you're not going to go back.

So go check it out. We'll drop a link in the description as well. All right. Example number four, George. baby's first car post from dad on Facebook. I don't think babies should be driving. I don't know what state that's legal in. So I guess this is like when your child gets their first car

and they post their kid's first car. Oh, that's true. It's never the kid posting it. It's like the parent posting the kid next to the car. Yeah, which makes me assume that the parent paid for it and then is flexing about the kind of car that they paid for. That's a fair assumption, right? Well, especially, you can tell if the kid paid for it based on what car it is.

that's my play. I want my kid pulling up in a Honda Civic. I can't wait to see if they end up driving that. And they, and Amelia Dutz, she wants like, she'll see like an older car.

She's like, I think I'm with that kind of car. I was like, yes, girl. She's not, nothing alluring about the fancier cars? That's my flex. Isn't that kind of like an awesome humble brag? Yeah. If your kid is like, man, I love an old Honda. Civic.

But like, you see a family and you're like, oh yeah, they probably could do, they probably could buy a nicer car for their kid. But their kid's not driving thing. Because they chose not to. And the kid probably had to pay for part of it. Isn't that like a cool? I don't know.

When I see that happen, I'm like... It shows some like self-control. It's a little subdued. Maybe that's it. It's a little stealth wealth, quiet luxury. Yeah. You don't need a flex. We don't need to flex.

Because the car is not for the kid. Like I do these man on the street interviews and I talk to these parents who spend 30, 40 grand on their kid's car because they say, well, I want her to be in a reliable, safe car. In a safe car. Can't have her out there in a death mobile. I do think 16-year-olds care, though. Oh, yeah.

Yeah. It's all about what your friends are driving, too. Yes. If you're the only one driving a 15-year-old car and your friends all have brand new Jeep Ranglers, it's going to, you'll feel it. I feel it now with my daughter driving around the little toy jeeps. Oh, yes. Yeah, we have like the no-name Amazon brand, and they have like the Jeep Rangler.

They have like Range Rover little toy. Oh, yes. Like, this is crazy. Yeah. Have that same amount of time. dude. I think that's good. So you've got to keep up with the Joneses, even the baby Joneses. So yeah, I don't like these.

I would say these land mostly in the cringe category, depending on the caption. Yep, I think the caption's important. But if you're like, hey, he paid for half of his car or he paid for his car, I'm so proud of him. There we go. I'll flex that all day. Next up, oh, this is really a great step up from the baby's first car. The We Just bought a Home Post on Instagram. Okay, all right.

Give me more context. What's going on? Well, number one, you have like the key picture where it's like the folks on the key. We did a thing. Then you have like the, these ones I don't know why are cringe. I just don't like them. But like you're in the like closing title office and you have like a sign with a key and you're like realtors next to you. Okay, doesn't bother me as much.

It just feels there's like a photo op set up for it. I'd rather be authentic. Like you do whatever post you want to make. okay that's all yeah yeah yeah yeah I'm hearing yeah okay I'm just thinking through I don't mind it as much I don't think okay would you rather see a picture of the house and they're like I like to see a house you do yeah I think it's more exciting than your realtor no offense to your realtor and like the you know Brenda at the closing office but I don't know I guess that's true it feels a little more real okay that's fair that's fair I don't sometimes these are encouraging and fun especially if it's someone I know and I know

the journey they've been on. Yeah. Because we also know how hard it is to just buy a freaking house in 20, 26 and beyond. So I'm like, anybody that does it, it's a feat. And I don't get my, I don't feel a reaction. You feel nothing. I feel nothing with them. So I'm going to say, cool.

They don't, yeah, I don't get like a reaction. I get it more reaction with cars than I do houses. Yeah. Well, I will say the bigger, the bigger and fancier the house, the more you're like, okay. Okay, that's fair. Okay, Kyle, like you guys really paid for that. Yeah. Kyle.

Daddy paid half down for me, you know. Have you seen those posts where it's like actual advice? It's like you got to grind, you got to sacrifice. Like here's the steps. And then like step nine is like have a really rich dad. Oh yeah. I know. Have rich parents.

Have a rich parents. Yes. It's just like tucked in there. That's great. Yeah, I would check the motivation. Okay. Read the room. Read the room.

But otherwise, I'm not mad. I'm sure I may be posted when we got her first home. Especially the first one. That one feels like really special. special. Yes, our first time. You know what I like? The goodbye post to the old home. Oh. Like you were great to us. You know, I like those. Sweet. I like the grief when it comes to homeownership. Give me sad and emo for George. He likes endings. The memories made. Like Whitney was very sentimental with our old houses because like that's where she learned how to walk and that's

where we brought the baby home. Yeah. And I just look at a box. I'm like, all right, onto the next box. We're ready to leave. Could have happened anywhere. Yeah, just happened here. Happened now. That's great. She doesn't love when I minimize her feelings. No, she does not, George. Okay, vacation dump on Millennials Instagram.

Oh, no, I might be guilty of this. There's some people in this room that are guilty of this. A photo dump. A writer Savannah. Now I will say, I have messaged her, but it is pure, like, living vicariously through her. Wait, for what? As someone who's not a single woman. I'm like, yes.

Like, it's giving like feel the rain on your skin vibes. No one else can't feel it for you. Because Savannah does them? Yeah, she goes on these amazing girls. Oh yeah. And then she photos. And the girls are like, they're so great, they're so fun. I know most of them. And I'm kind of jealous.

I'm like, this is a vibe. Yeah, that's why I'm, okay, okay, I'm with you. They don't bother me. Yeah. And in fact, I'll be honest, not to pat myself on the back, but especially if you know the people and know the family, you're like, oh my gosh, I'm going to see. Take me on your journey with you.

Yes. I don't know. It doesn't bother me. Here's where it goes awry. Okay, go. The Instagram story that's like maybe 30 to 40 clicks through the Instagram story. We need like a palatable. Yeah.

Yes, story arc. Mm-hmm. That's fair. Like you got a limited. I'm going to go, I feel like 10 a day max. I love a vacation. I love a vacation. I love following people on vacation.

You love vacation that much. Mm-hmm. That if I see someone on, I'm like, take me with you. Please post more. I'll come back to your page to keep up with what's going on. Because I like it. I do.

I do like the food. I'm a food guy. So I like to see the food, the drink, the ambiance. I even like a shot with nobody in it. Just a nice scenic shot sometimes is present. Yes, so beautiful. Give me a little Santorini. Yeah, I'm going to go cool.

I'm going to go. I'm going to go 80% of the time, this is cool. Here for it. 20%. it's like, all right, we get it. And you know, there was a girl. I don't even know who she is. Y'all probably people in this room may know.

I don't even know. It's a girl. She's got like a million followers on Instagram. So she's somebody. And she had this massive private jet on her bachelor's party. Anyways, that bachelor party kept showing up on my feet and I was hooked.

Oh, you were into it. Oh, couldn't get enough. I was like, all right, ladies, what are we doing tonight? Where are you going? I liked it. It was some influencer. I don't know. I do feel like if there's a private jet involved,

it's going to just upset people. No, but is that not fun to watch? Sure. But you also love reality shows. I love Real Housewives. Real Housewives of Beverly Hills. Yeah, it's like a small reality show that I get to watch on Instagram. I'm all about a gals.

Keep it up. Well, I think the question is always, like, the threat already is like, who's funding this? That makes a difference. Like, how hard did you work to earn this thing? Nope. No. Versus it just. No, stop it.

Look at my life. I'm this. I'm this. Give me this. On a vacation that I'm following. You never judge or question what's going on behind the scenes? I really don't care. I want to see, though.

I want to watch. You don't care who's paying for it. No. All right. You know what? That's actually very honest. I like that. But you know what they all need to think about when they're posting online is their online privacy?

And safety. And that's why I love Delete Me because they go into data broker sites, remove your data because your name, your address, your phone number, your kids' names, like all of that is out there. And Delete Me goes in and removes it so that your data's not sold. And then you're not up for, you know, some spams and fishing, like all the threat of that happening. Less than less. Helps protect you. And you don't have to be like a public figure for this to matter.

That's right. Anyone can be a target and they can come after you if they have your data. And they will sell it for a profit. They're not scared. And so delete me goes in, removes your personal information from hundreds of these data broker sites. They keep it gone. They have real data privacy experts behind the scenes all year long doing this to save you time and hassle. And they send you a report showing you what they've done, how much time they've saved.

saved you. And it's one of my favorite emails of the month because I have no hobbies. Just see your hours. That's what I'm looking for. Refresh. Refresh. Let me see. It's so great. So check it out. You can get 20% off their annual plans at join deleteme.com slash smart money. All right. Next example is the go fund me for non-emergencies. So my son needs new baseball gear, not the sudden medical diagnosis. This is a big one. And I've seen some ridiculous Have you? Okay, I'm not in that, I don't see as much. What would that? Well, thinking about like anybody's just life goal. They're like, well, maybe someone else will just fund this for me. You know what I mean? Whether it's education or I just want a thing or like this is going to help me in some way. But I do feel like health is the one that gets me. Medical. Yeah. Or someone passed. I'm going to say it. Someone passing. Yes. Those are the ones that I've personally given to. 100%. I can't think of anything else that's a go-fifference. I can't think of anything else that's a go-fifference. fund me that I've given to that isn't like health or death related.

It's not like college education. No. It can't be a frivolous goal. Yeah. Yeah. I'm going to go cringe on that one. Yeah. Because it is what this is is for non-emergencies.

Well, and it feels like, hey, there's people who really need this help right now, and you're just like. Making noise. Yeah. You're just making noise out here. Trying to get your baseball gear. But to your point, on the other end of the spectrum, it actually is an amazing tool for the internet. That like... Go fund me?

Yes. Like, if you do have something, like, serious. right? Yeah. A sudden loss or something medical, especially like with kids, your kids or something, all of it. Yes. I'm like, what a beautiful way for the Internet to be used to be like, hey, I, yes, that this family needs help. And for people to actually tangibly be able to help.

Yes. Because you would never know. Can I give you a great example? This happened. I got to be a part of it, which is exciting. So we do these man on the street interviews on my YouTube channel. We were in Charlotte. We talked to these two young ladies who are teachers, special ed, and like they're paying for their own supplies.

and so she mentioned her wish list. Like, well, hey, like, send me the wish list. I'd be happy to donate to it. And, like, maybe I can put it in the description of the video. So we ended up doing that. Oh, my God. And it was, everything on the wish list was gone within 30 minutes. To where people are like, how can I give?

I sent her a gift card. I didn't know what else to do. So she messages me in tears. Oh, I can imagine. And she's like, I've been sharing this with the other teachers. They are just, like, so amazed. And it was teacher appreciation week. Oh, George.

opened up a separate one of just like to contribute to all the teachers classrooms at that school and people started giving to that. Oh my gosh. And so I was like- It really made me feel good about the internet and YouTube for at least a day. Well done, George. Thank you. I mean, all I did was like I mentioned it in the video and then I, you know, made sure to get the link. Yeah, put it in the description.

And then, you know, the audience came through. And so that was really, I was like, that's a good thing. It's not like a health go-fund me situation. That's fair. That is fair. but that's someone out. Yes. Can we solve the problem of these teachers needing to buy their own supplies? I hope so.

Let's get to the root of that. But in the meantime, let's all cover their wish lists. I love that, George. I just made my day. That was a good one. That's so good. Just remind me of that. Okay. Next up, way less important to society, the Sephora Hall. Okay.

That's a flex. Or in my case, the Costco Hall, or the Trader Joe's Hall. You love that. The Aldi Hall. These are the videos that show up on my algorithm. I'm going to go cool. I don't get a I don't get like a angry adrenaline happening when I see it

Yeah If anything I'm a little interested You want to know what other people? Do you ever look at people's carts When you're shopping? Especially when you run into someone you know at the grocery store Never You've never done that Look at their cart Yeah I want to know what they're buying

No I'm conditioned I'm conditioned white Winston always says Unaware of anything happening he always tells me babe be conditioned yellow Alert awareness Well people must come up to you Do they scare you? I'm conditioned white. Do they scare you when they come up to you? Who?

People? People in public. If you're shopping, you're out shopping. No, but I'm not looking at them. I don't look at what they wear. I mean, we'll walk away, you know, not from like an interaction from someone publicly, but it'll just be a scenario.

And once in a instance, like, did you see her ring? And I'm like, she had a ring on? No, I don't even know. I don't even think about that stuff. So I'm aware. So, no, I wouldn't even think to look. Now that you've said it, though, I will. I will.

I have, I say 15% concern when I'm out shopping about what's in my cart and if I run into someone I know or someone that knows me. I want to relieve you from that. What judgment am I going to get? No. Man, it's always people that judge people that think they're being judged. I don't know. Be free of that. I don't know what would be in my cart that I'd be ashamed of though.

I don't even think about that towards me. Because I don't judge people. I was just to Sam's Club this weekend and a woman came up to me and we were chatting charcuttery for a good 20 minutes. Good for you. She's also gluten-free. And so we were talking about it. Did you get nervous about what was in your cart? Well, my cart was aside, so she didn't see the cart.

Okay. But I wasn't, no, it was for the kids. Everything's for the kids. Okay. But just be on yellow alert, is what I'm saying. Head on a swivel. Condition yellow. Mm-hmm.

But I personally like the whole. You could go orange if something has changed in your environment. You go orange and then condition red is there's action happening. There's an active threat? I got to get out of here. Has that happened? Nope. No. I've never. You said it like.

Never been in red, never been in orange. Barely in yellow. It's only when I'm downtown. Oh, down, yeah. Oh, my gosh. Well, George, I think we all learn, though. Your motivation of posting anything financial is big. But I also don't think it's your responsibility

for what people take as your motivation because you're not going to be able to explain everything away. You know what I mean? That's true. I mean, you have the greatest example of posting your pool. You weren't trying to flex Dude oh my gosh can I tell you Speaking of photo dump I did a photo dump last month

And I had a picture I didn't even think about it in the pool And I felt so known by all In the comments So many like oh no How dare you post in the They were like joking about it Just kidding like they like made sure

That's amazing They knew they weren't actually upset I feel so known yeah Wow And I said it's for Jonathan To Jonathan I will say I love seeing Pixier Pool

I think it's a great pool Thank you. I've got to like see it in person and pictures don't even do it justice. Here's a question. If it's a benign post but it's a new, it's a house or the car,

right? Any of the scenarios we put in that we said cringe, do you think it says more about us getting a reaction within ourselves about someone else's post? We're looking for affirmation. No, no, no.

Other way. I'm saying when you see someone's post, new house and you have a reaction. And you have a reaction. I think it says more about you than them. Yeah, 100%. Well, number one, you can control and me.

Who you follow, what you see. Like your algorithm learns, here's what you're into. That's right, that's right. It doesn't serve you up stuff to make you angry. You sat with that rage bait. And Facebook went, I guess they want more of this. Spend a lot of time in the comment section, seeing what people were saying. I do think you control way more than you think when it comes to what you take in.

And then also the discernment of what we put out to the world. And I do think being authentic online and doing it in a way that's encouraging others, this all comes down to self-awareness. How self-aware are you when you're posting? What's the motive? And what are you wanting out of it? Yeah. All of it. Yep, I agree.

Which is a lot of effort to then think about the caption and who it's going to affect. So I don't want you to go overboard there. No, we're right. But I think just thinking before you post. It's a self-awareness. The internet is kind of forever. It's wise. There's a lot of wisdom there.

And choose to unfollow people. Like Jonathan on following Rachel after she posted her pool. I know. It's okay. Jonathan, you can come back. I don't even know if you unfollowed. We didn't get confirmation. I didn't go look.

You know what you should have done? said, hey, I'm going to go ahead and block you just because I don't want to cause you to stumble, Jonathan. That would be so aggressive. I don't want to cause you to stumble. Since pools are a big stumbling block for you. All right. Well, before we get to our guiltiest charge segment, what about the drinks, George? This was the sweet Georgia peach smash. I'm ahead of you. Yeah, you were much further ahead. I'm going to give this an eight out of ten.

I may go nine and a half. Whoa. I would order it. I liked it. Yeah. And the peaches are only going to get better and better throughout the summer. Oh, yeah, that's right.

I think the ones in the drink right now because there are fresh peaches in there. I know. I like this. Do we have confirmation? Not canned. The team really cares. They do.

Nothing wrong with canned peaches. They're the best. They're the best. I love it. A fresh one can't be deep. All right, here's what's in it? Bourbon. I thought it was gin. No.

What? Okay, just to be clear, before we started this recording, I asked about the drink. And I heard it was a gin and peach. drink. And I was like, ooh, that sounds lovely. Gin and peach pair very well together. But so does bourbon and peach. This has a bourbon, specifically four roses bourbon in this one. Lemon juice, simple syrup, seltzer water, and fresh peaches. Two dollars and forty cents for this

drink, if you want to try it at home, give it a shot. You got nothing to lose. You got a nine and a half over here. I think it was great. I just, I was confused by the flavor. Because the whole time, I was like, I'm thinking gin. I'm looking for the gin. I'm looking for the gin. Oh, no. Yeah. It's okay. It's like finding Nemo, but with alcohol. I couldn't, could not find it. Oh my gosh. That was fun. All right, now it's time for guilty as charged.

And this is where we ask each other, a guilty as church question every week. And if we're guilty, we take a sip. George, have you ever posted something that unintentionally triggered someone? Every day of my life. Go look at the comments section on anything I've ever posted.

Oh, George. There was one today, I think, actually. but I want to let you go. Ladies first. I would say, yeah, and the unintentional, because sometimes we put out content that we know is like controversial or whatever, right? But we know people are going to not be happy with.

But I did. I posted one. It was back in January. And it was a story because one of my friends turned 40 and Nashville had a massive snowstorm and then turned into an ice storm. So it was snow, if y'all remember, for like a day and a half in Nashville,

then turned ice. And that was like a two-week-long whole thing. Anyways, it was the more, of the snow, the first snow. And it was her 40th, so we had to cancel everything, but we were like, let's still go out to brunch. And I'm friends with people that, like, lived in the north Chicago and stuff,

so they're used to driving in snow. They're not scared. And so we went to brunch, and we are having a good old time, George, because we're, like, the only ones in the restaurant because everyone's, like, in because of the storm, and we are, yeah, you know, mimosas, and I don't know, we're so many good old time

celebrating with my friend. And I think I put a few pictures on stories of, like, we're cheering or happy, birthday, Ashley, you know, I mean, whatever. And I got, I mean, I don't want to say a lot. Let's go eight out of 50 comments, okay? We're like, who are you? You're so, the tone-deaf thing, apparently. You're so tone-deaf. People are, you know, out here, you know, suffering, did and I thought, oh my gosh, because of the snowstorm in Nashville, people are so mad. And then I looked on the news later that night and something's terrible had happens politically.

Oh. So in January. But you were aloof to that news? I had no idea. I had no idea. I was at brunch. I didn't know. And they were so mad.

Are you supposed to like stay home and mourn? I know. I don't know. That's the hard thing. That's the hard thing with us. I know. Being in the world, I'm like there's so many tragedies that are happening. I mean, when you look globally, it's constantly happening.

I can't keep up. So you know what I mean? So yeah, keeping up with what everyone is. passionate about at that moment. It was very sad what happened. But again, I was like, okay, well, sorry, I went to brunch when this was happening in another state that I didn't even know about. I do think brunch is the most offensive, the most triggering. Probably is. We had to go early because it was going to be snowed in and by like four o'clock, it was like so much snow. Yeah, so I don't know. Wow. I remember, because I remember feeling like, oh, gosh, what did I do?

But then I was like, Rachel, pep talk to yourself. Yeah. You were fine. You got to live your life. You can't be keeping up with everything all the time Be more like Rachel, guys Go to brunch What about you? Yeah, this one was the freshest one Because again, it happens every day

Just seriously, go look at any of my posts But unintentionally, like what did you post So the team posted a clip From my man on the street in Nashville Where I tried to guess how much debt people had This was fun It was a good time Okay

Really fun I nailed one person's mortgage No way. $310,000. No way. And they were like, yeah. And I was like, what do you mean? Yeah.

Like, that's exactly it. Shut out. That's funny. It was amazing. Anyways, so one of these guys, he was him and a buddy, said, hey, I want to flip this. I want to guess how much debt you have? I want to do the interview.

And so I said, okay, this is fun. We were kind of like, let's see where this goes. I gave him the microphone, the team still filming. And he like did the little interview with me. Yeah. And he's asking, hey, what kind of car do you drive? Is it paid off? And so I'm just answering honestly.

and the team posted this and these people are so angry in the comments thinking they're like, this is so staged he's just out here trying to flex because he has a paid off car and he doesn't have any... And I was like, number one, this is not staged. You know how people do those kind of interviews?

They're like, this feels like they made someone... Yeah, yeah, yeah. We're like, excuse me, sir, excuse me, sir, and you're like, I think you're probably... You know me, I don't want to be asked these questions. I do the asking. Yeah, that's why I have this job. That's right, George.

That's why you sit in that scene. I would never say yes to a stranger in the street Yeah, right. Asked me to be on camera. So anyways, I have upset a few people who thought this was staged because whatever... Is the post still up? I'm going to go find it. It's still up.

Okay. But man. I thought it was fun. You made them on that. And also, I was uncomfortable. I did not like being on the other side. And I, like, my body language, like, I was kind of like, arms cross, like, a little bit nervous. Oh, so now you see how it feels.

Yeah. A little taste of your own medicine, George. Did not like it. Did not like it. Oh, my gosh. That's part of our jobs, though. It's a good one, though. It's like, things are out of common.

context, things are clipped, you don't know how it's going to hit someone based on where they're at and what the mood they're in. And if you choose to share your life to a degree, which I probably share more of my personal life than you do. Yeah. Yeah, you're just, you are putting yourself out there. Your personal life is fun to watch. Oh.

I'll say that. Well, thank you, George. Nobody wants to see me handling my dogs, you know. Got them back in his diaper. You know? Again, and then kids. Those dogs are still around. They're young enough that I'm like, I don't know if I can post them.

I don't know. Yeah, yeah, yeah, yeah. I don't mind. They're so cute. I have thousands of photos. People want to see them. Yep. But I don't know what the future holds. I think that's fair. I think having certain boundaries, if you feel that, it's good. Well, if you have a guilty charge question for us, make sure to DM us at Rachel Cruz and at George Camel. And make sure to check out our next episode if you loved this one, which is out with the new, in with the old money and lifestyle trends.

We will link it for you. And make sure to subscribe so you don't miss an all new episode of. Smart Money Happy Hour. Oh, Yes, Hey,