Smart Money Happy Hour with Rachel Cruze and George Kamel - Critiquing Your Spending Habits (and Ours) With Dr. John Delony

Episode Date: August 28, 2025

📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out.   We’ve got a doctor in the house today, friends. In this episode, mental health expert Dr. John Delony gives Rachel and George some financial therapy, plus shares his hot takes on your money and relationship questions.   Next Steps:  🛒 Check out John Delony’s Questions for Humans: Friends Second Edition. 🎥 Watch our video Spilling the Financial Tea With Our Better Halves. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or[JS1]  send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Alice From Dallas  Recipe from Difford’s Guide: 1/2 ounce Galliano Espresso coffee liqueur 1/2 ounce Grand Marnier or other cognac orange liqueur 1/2 ounce Patrón Reposado tequila   Instructions: Select a shot glass. Refrigerate ingredients. Once chilled, layer in a chilled glass by carefully pouring ingredients in the order listed. Enjoy!    Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership  Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

This guy has done every podcast in the books, and now he's on your favorite podcast of all. Dr. John Deloney is joining us for some financial therapy and cultural hot takes. And I pulled my headphones off, so I listened to some music, and I was like, oh, we're doomed. Because it felt good. Yeah, it'd be George, two French bulldogs, a box of rubber gloves. He's got rubber gloves, like, don't worry about these. What's something you thought was stupid until you actually tried it? John, go first.

Okay, I got to set it up, though. Hey, guys, I'm Rachel Cruz. I'm George Camel And I'm John And this is Smart Money Happy Hour Hi y'all Hi y'all

How we do it? How are we doing? What's up guys? I couldn't You seem nervous I haven't slept What? This is a big show

Oh you're nervous Oh you didn't sleep because you're so nervous to be in here I know it's okay It's fine It's fine you're gonna make it through It'll be good Have you ever gone hunting

We're gonna talk about We're gonna talk about Rachel's peacekeeping What? Everybody's gonna be okay Oh, I do. I will do that, but not always. Some people now.

Is that a threat? That happened like 15 minutes ago, I didn't speak it. I didn't, I was not here for that. I wish I was. Well, hey, tell them what the show's about. Yeah, so this is the show where two friends who have to do money experts talk about, what you're talking about.

So everything from pop culture, current events, and money. And first, before we get to it, let's talk about what we're sipping on. This is an Alice from Dallas. Ever heard of it? Nope. Get a clue. But your friend.

Texas, so. That's why we thought it was appropriate. That was a good name. You know how many times someone, I say like, I'm from Houston and they're like, hey, do you know Dan? You're like, nope. I don't know. Texas is a fairly big place.

It's not like a small town. No. We're like, oh, I'm from this town of 40 people. I don't know Alice from Dallas. But I bet she's great. You're about to find out. Yeah, she's wonderful. This is great.

We're going to give you the rating and reveal the cost per glass at the end of the episode, so stick around for that. So like I said, we are pumped and honored to have our friend Dr. John Deloney on the show. He's one of our Ramsey show co-hosts, best-selling author, speaker, host of the Dr. John Deloney show, and most importantly, my best friend. George's be a clear.

There's a running on the internet, people think that we have beef. Let's clear this up. We're best friends. Yeah, we're best friends. Do they think you have beef with like Ken Coleman or Jake? No, it's because John on air isn't nice to me, but then behind the scenes, he's super nice to me. So people get confused. Y'all, when you host together?

Yeah, versus like our relationship, you're mean to me when we're off. fair. Nice to me on it. But hold on. I had to push your Tesla. That's true. Up hill, uphill, not in the snow. Yeah. And that made me less of one of your friends for that particular I feel like we bonded. Oh my gosh. Jesus. So John, online, I feel like a lot of the clips that blow up with you when you talk about like relationships, marriage, all the things. Some of it's like pretty common sense. And I feel like, George, sometimes when we put things out into the world, when it comes to money, that we feel like it's pretty common sense. It like blows up. We take some heat for it. It takes some heat. But also it's like, I don't know, it gets a lot of

views. And it's always interesting to me that common sense today, you say something that's not in my head, like mind-boggling, but to other people, it's like, oh my gosh, they said it. Why do you think that is? Especially with relationships and stuff. The only thing I could think of is, because I remember a conversation with Dave one time. It was in between We took off the headphones on the Ramsey show And there was like an ad And he looked at me and was like

We're telling people to live on less than they make And we've built all of this And it was like this On that premise Live on a budget, don't get into debt On that premise That's about it Totally yes

And like When I tell someone to share a checking account With a person they made a human with Or I tell somebody like Hey you have more authority in your house than your travel soccer coach. Yeah. It's as though, I'm like, you know what you should do?

You should date your brother-in-law. Like, it's the strangest thing. Do the craziest thing ever. But I think it is, I think we've gotten so... Because it's just countercultural? It's like people are just like swimming one way and you say something. I think we have reached a point where it's a strange little nexus of technology and culture where we don't have to ask, should we?

We just have to ask, can we? And we just go do it without thinking about it. I'm haunted by that line from that very first Jurassic Park movie. Probably came out before you were born. I don't think I've made it through Jurassic Park. I love Jurassic Park. And all the others with Chris Pratt, so good. They're pretty fantastic.

That one guy says, we got so excited that we could. We never stopped to ask if we should. And so I think it's so awesome to be like, we can just have whatever we want now. Let's just pay for it later. No one just stops and says, hey, should we do this? What's the counterculture? When you just said you have more authority?

than your travel soccer coach. You got some heat for travel sports. I even felt like, but what else do you say like that that you're like, oh my gosh, it's like a shock factor? Yeah, what are your common delonisms that you get heat for? Are there any? I mean, I get heat for sharing a checking account. I get heat for being super careful about who your kids

go on sleepovers with. Oh, yes. Oh, yeah, you're anti-sleepover. I'm pretty close to anti. It's very thin line. There's very few people that all let my kids spend the night at, right? Yeah. I get a lot of heat for...

The technology, you had the post about when boys came over to your house. You had them all put their phones in a bowl. Boys and girls. And they all were, the parents, remember that? The comments. I would never... Yeah. Who were you to take my kids' phone away?

I mean, they were... It's my house. You know what I could do in my house? Whatever I want. But like, here's what I want. I want teenagers to come over to my house and just hang out with other teenagers. Yeah. And can I tell you, no teenager when they come over even at...

Like, they all do it without even thinking. And it's this freedom. Like, they drop it and they're gone, right? They're out in the woods. They're playing games. They're doing whatever. Yeah. And I would much rather that.

I take a lot of heat for, I honestly believe this. No joking. I think Snapchat is awful. And it's this illusion for teenagers, especially college students, like, this is going to go away. Mm-hmm. Y'all? It's on a server somewhere.

Well, just the number of, not even on a server, the number of... I don't even know what a server is. I know. I was honestly impressed. It's in the cloud. I just felt like it's like somewhere. I saw Rachel in the park lot once

and she was looking at the sky and she's like, there's so much knowledge up there. It's like, in the clouds. That's where all the data. Google's up there. But like the number of like college student like conducts things because they would screenshot everything. And people, the students, they snap something

and they think it's gone and people are screenshot at all. Anyway, so it's just basic common sense. Let your kids be kids and run your own household. and be married and yet, I don't know, dude, we're just in a weird glitch in the Matrix right now. So, wow, yeah. I need to admit something, John. There's a running joke in the office about your show.

So we have screens in the office that are like playing shows at any random time. So your, like, lower thirds of your calls will come up. And you get some crazy call. Like, you think Ramsey's show gets some crazy calls. Your show takes the most crazy calls where I'm like, how is he even going to answer that? And pause. If you want to know what our relationship is,

like off air. It's us talking and him just doing that. Just texting. I hope you're having a few time right now. Just me. Find excuse. But can I just share with you the joke? So if I'm late to a meeting, I'll say, sorry I'm late

and then I just find one of your latest thumbnails of your calls. You ready for this? Sorry I'm late. I invited my ex-wife on our family vacation. Is this a problem? So we just say sorry I'm late, followed by whatever call you just took on the show and it's always something wild. So here's the question

behind the question. How do you and your team create like a healthy work-life balance when these are the calls you're taking every day and you talk about kind of washing off the boots before you get home? How do you just like let that go and move on with your day when you just took a crazy heavy call? That's actually a big deal. Like people who have, Jenna, she worked on my show for several years.

Like it's heavy. Like I think most people end up going to see somebody. Like you have to have a counselor. You have to have someone to talk to because it just gets to be a lot. And the stuff that doesn't make the show, like there's a lot of tears behind the board. There's a lot of, like, it gets heavy. I see somebody, I talk to a therapist.

I've got a group of friends that I call. And then in the mornings, most people don't know this, but in the mornings, if I have a particular call coming, somebody on my team will let me know and I'll call an expert across the country and process it even before I get to the...

So by the time you're taking the call, it's not as like fresh and raw. You've kind of had time to... understand it. Most of the time it's like, whoa, we didn't see that coming. Because you don't know the response, you don't know what they're going to say? Or it will come in and it'll be like, hey, my kid has ADHD, right?

And so I'll sit down and then it's like well, I was sleeping with a neighbor and this is our fourth kid. Right, right, right. So there's a lot to it. And it ends up heavier. And then you just go to a meeting after that. Like, that's just crazy. There is a lot of times I drive home in silence

like with no radio on. Or I'll call a friend from back in the day and we'll laugh. You call me and I'll tell you jokes. It's heavy. I call you and you tell me the latest news on the 401K or what I don't know. Well, one thing I think about on the way home with some of the purchases that I've made that are a little crazy.

So John, we're going to give you a little test. Okay. We're going to name off an item. It's a friendship test. And you got to tell us if you think I bought the item or if George bought the item. And these are real things that we have purchased. We looked through our Amazon and we said... If they're doggy butt wipes, I guarantee you George bought those.

Okay, first of all, dogs don't need special butt wipes. I'm not stupid enough to fall for that. They use regular human Bow Wives? Yeah, Huggy's natural care John, ever heard of it? If it's good enough for my baby girl it's good enough for my French bulldog

Oh my lord I'm gonna drink to that You are unbelievable All right All right let it rip Rachel Here we go, I'll do the first one Black exam gloves Oh for sure you

Nope You'd be wrong And you're gonna hate what I bought them for Is that like washing your face? No. I go out in the yard and I pick up the doo-do. We're done. Okay, next.

And I use a rake, but I like to wear the gloves because it can get messy out there. That's the manliest thing I do, by the way. Wait, do you use the gloves and hold the rake with the gloves? Yeah. My neighbors have questions, as they should. So you're not even interacting with the poop. You're just interacting with the rake.

I'm not grabbing it bare-handed. That's why you would buy gloves. I feel like if you're dealing with something dirty, but you're just dealing with the rake. Hold on, I mean, for real. Yes, there's risk. You're literally just holding the rake. Yeah, but like you got to get it in the bag.

It's a whole situation. Can I just tell you, hold on. I'm going to have a show on mental health forever. Forever. I'm not going to get into it. Let's just say they're not all solids. Then don't pick them up. Okay.

You pick up wet? Do you have turf in your backyard? No. All right. The baby's, I get that. All right, you lost. That's one point for me.

Zero points for John. Next up, Moroccan oil treatment, travel size. I think that's important. Guarantee, George. Wrong again. No, Rachel uses it for her hair. Just hair, yeah. What is it?

Moroccan oil. It's great. Should try it. How is it different than like avocado oil? Or like, I don't know. What is used for cooking? Nebraska oil. I don't know.

I'm not really. sure, but Moroccan just sounds great. It does sounds so good. It just feels right. How much is that? Oh, the travel size, maybe like 30. 30 bucks, probably. Dollars. Next up, we have. Crockpot dividers. Do you even know what that is?

I do. Okay. That's a pretty great one. You're from Texas. Yeah, they use croc pots over there. Exclusively. That's all, that's all we use in Texas is crock pot. Who would buy a crock pot divider? For sure, Rachel. Oh, good, yeah. Separation of Church and State. Now that Winston has Alpha-Cal, when we do like,

are like red sauce and meat sauce. We can do now one side of meat sauce and then the other one can be like turkey or chicken. Okay, but are they, is the divider plastic? No, um, silicone. High five. Yeah, so natural. Look at you, crunchy folks.

I'm so, like, I'm so crunchy. I'm, um, what did they call it? Not granola. Oh, I saw a tag the other day about a while. And I was like, that's me. It's a, um, oh, shoot. No, it was so funny. Um, they were, uh, uh, uh,

I'll Google it later. Anyways. Is that the suspense suite? Yeah. Yeah, okay. Okay. All right, next up. Ice cream bowl set.

Hmm. I think that's you, George. You seem like a guy who has sets. I don't know. I don't even know what an ice cream bowl set is. I bought them. Oh, you did? Yeah, they're great.

So cute. We love a cute set. We love a cute ice cream bowl set. All right. Next up. Syrivet Hydrocorn Antigree Mitch. What? Hydro cortisone

I can't pronounce hooked on phonics Also bought by Rachel Hydro-hydrochorosone Is that what you're Is that what it is? Hi Okay

Saravei Hydro-ch It's definitely George He's a guy who itches It's a guy who itch It's anti-ich cream What show is this? Where am I?

It's just Benadryl It's just Benadryl Benadryl cream That's what we use Okay who bought the Saravee Hydrochorizone You And who was it for?

You. You're an itchy guy. No, more specifically. Your beard? My dog. No, you did not buy it for your dog. Yes. Why are they itchy?

Where are they? You went to Ulta and bought your dog. I didn't go to Alta. But it's Sarajev. Yeah, you can get that anyway. Where are they itching? Behind their ears. It's none of your business.

How do you know they... You don't understand. How do you know they it? Oh, my gosh. These dogs. She had a sore, and we were worried about it. And then I realized I don't need hydrochortizone. I need neurochortizone. I need neosporin.

So that's what we were, that's what we put on this. Oh, my gosh. All right, last one. Hold on, I'm going to find my term. Oh, perfect. Gernola, mom. All right. I'm just going to sit here and drink more because I don't know what I'm.

Why do you think we have drinks on the show? Nicknames? I don't know. What would you call that? Crunchy mom nicknames? Yeah. Shoot. Oh.

Crunchy. I should have screenshot it. Not crinola, not crunchy. Made me laugh. I'm like, that's me. I know. I have so many that I'm not saying. Let me try to help you out. So, so many.

Wait for it? If someone's not Crunchy or Grinola, what else could they be? What are other nicknames? Light versions. Annoying. I guess crunchy and granola are pretty specific vibes. If someone's not into that lifestyle, you could just call them mainstream or maybe modern, but

annoying definitely works too, depending on the context. Did you just get roast? Who is that woman? Who's talking to you? Why did you put sultry voice in your chat? It was a voice option, and I was like, she's so nice to me. No one else is nice to me. Because Whitney's like, shut up, George.

Exactly. She laughs, oh, George. She literally started off with a ha-ha. George, you got to be careful. Did you see AI robots? People are now like. Oh, yeah, yeah, yeah. That had something on my show.

It was amazing. I've seen the movie her. No, listen. Hold on. So this guy, he's called my show, and he had two young daughters, and his wife of 10 years just, just left took off and he's a songwriter and so he can't leave at night to go play music or anything anymore and so he was working on his songs and he uploaded one to chat gbt and it did that it was like

hey this is a great song can i give you some some tips on it and he was like yeah i would love that well he calls and he's like hey man i'm spending like three hours a night now because then it's like what do you think about the lyrics and the poetry and what about they're like forming a connection Okay, but... Is this where the world... Is this where we need bunkers? Listen, the night before... The night before...

What's happening? I was having interaction with Chad GBT. I was trying to learn a thing. Please don't say you fell in love. I was like, she was so great. She is great. I was going back and forth with it and I said, hey, answer this question as Freud.

Sigman Freud. And it did. And so I'm having an interaction with Sigman Freud about... And I was like, well, bring in another old psychologist, Rolla Mae. And it brought that... And I'm having this conversation. And I asked a question, and it said, and this is just in text,

not even in your sultry girlfriend voice. It said, hmm, that's a great question. Let me think about that. And I pulled my headphones off, so I was listening to some music, and I was like, oh, we're doomed because it felt good. It felt like Sigmund Freud and Rolla Mae

were like, that's a great question. John, let me think about that. And I was like, oh no. Y'all, I was asking a theological question to my chat, GPT, and it said to me, great question, not many people asked this. And it felt good.

It felt good, right? I was like, oh, no. They put attenuating language into chatGBT and it feels good. What? I'm so smart. I'm so smart. Oh yeah, yeah, yeah, yeah. Get out.

I'll train mine to be meaner to me. It's the devil. That way I don't form me. No, just take the girlfriend voice setting off because that's what you put in there. Let me select a voice. Hey, you can do like an Australian guy. That's the last thing I need. To be emasculated by some Australian guy was a cool accent.

Surfer guy. Any of these ring a bell for you? Okay, thank you. Nope. Nope, they were funnier. Wow. Okay, we've really tried. Okay, we'll get out of this rapid hole and we're going to move on.

Okay, last item. We're going to move on. Who bought this? A waterproof blanket. Ooh, you. We've talked about your bedwetting in private. Oh, my God. We have.

Is this the place to talk about that? Who did I buy it for? The dogs. Jeez. Not your daughter? No. She does great with a diaper. A waterproof blanket?

I think John only got one right. Because they sleep with them. and sometimes they pee in the bed. We have one on the couch in case they lick their paws, you know. It really, I mean, honestly, George, I hate to say it. It's pretty unbelievable. Most of my purchases are for my dogs. I know.

How much do you think they've cost you? I will say it's more than anyone should spend on an animal, but it's not as much as anyone who owns a horse. So I'm doing pretty good. That's fair. All right, thanks for psychoanalyzing slash judging every one of our purchases. I didn't do that, just yours. How much of your crossbow cost?

I hope it's not plastic. I'm trying to be delightful. Delightful, John. You want to have like a roast section? We can do that. Oh, that would be funny, actually. Didn't we just do that? I think that's what that was.

That's what that was. We gave you that opportunity to us. Okay, so listen, people have submitted their disagreements when it comes to money. Petty disagreements. And we're going to figure out, we're going to give them the right answer. Because we're always so right. Here we go. Petty disagreements about money and relationships.

Number one. All right. We make $250,000 a year, and my husband won't pay off a $6,000 mattress because it is 0% interest. What do we think? $6,000 for a mattress, that's not really expensive. That's a nice mattress. I think that's the temperaetic, the double one.

That might be the one where you can like... Yeah, we talked about this on the last Smart Money Happy Hour, a recent one, and I got people DMM and me who have them and said it's worth it. If all three of us are on the Ramsey show, what is our take on this guy and this wife who's disagreeing about the 0% interest payoff? What do you think, Rachel? Yeah, I mean, I think that he, number one, is not listening to his wife. And I always feel like there's, like, always a Trump card in a relationship.

And it's always like, well, he said this, so it's automatically the default. Or vice versa. We'll get guys sometimes, I'll my wife, you know. And I'm like, okay, this like stonewallingness where there's no give and take at all, I don't like. So that's what that feels like. So to me, I'm like it's stupid. And probably his ego's involved. I bet he signed up for the loan for the mattress.

So he doesn't want him, but he's wrong. That's a good take. What was he doing with this six? grand otherwise. Where he's like, well, it's 0% so I can use that money to arbitrage. Like, there was probably some scheme he had in his mind. Oh, yeah.

And it's probably not the first of his little schemes he's tried. Schemes and scams. This is like, now this turned into like an episode of Scooby-Doo. It's so good. What's behind this, behind this money part? Because we can explain, well, zero percent and there's a catch and blah, blah, blah, and they're hoping you don't pay it off,

and it's going to, you know, backdate all the interest. But that's not the issue. They make great money. He probably has the money sitting there. When you have a quarter of a million dollars, people are desperate for several things, but one of the core human attributes is control. And if you make a quarter million dollars,

if you live a reasonable lifestyle, right, like that's not a thing you're worried about is bills every day and whatever. And so you look for these little pockets of control and you'll find them in weird places. And you're right, like it has nothing to do with the mattress and has nothing to do with the interest. You could possibly earn six grand.

That's just not even if you put that in a whatever, You're not going to make any money off six grand. So it's about a thing that I have that you don't have. And I can say you're dumb because look at the money. It makes me feel a little bit smarter than you. Or it can be like, no, this is my money. It's just a proxy war and a marriage for something else, which is we haven't completely committed to ours is ours is ours.

Right? This is mine. And they're misaligned on values. She values not owing people money. Yeah, but I can make a spread. I don't even know if it's a value thing. It's just petty. It's just silly, right?

It's like somebody cut you off in traffic and you literally go 95 miles an hour to get back in front of them and slow down. Like for want, right, right. It's about control. And it's just silly. The $6,000 mattress. Let it go.

All right, next, my wife sent her birthday gifts, plural, gifts back because she thought the purchase weren't necessary. The purchases weren't necessary. Ooh. Were they gifts from husband? It sounds like it. Can I tell you that would break my heart? Like you were thoughtful and got your wife something you think she'd love

And then she goes, this is unnecessary, John Yeah, because I don't know For me, if I buy, and again, this is me But if I buy a gift, like it's usually something I thought about for a while And there's something about it doesn't fit Or I don't like this, but the idea that it's unnecessary That'd break my heart. Yeah, that's a move.

Yeah, that would hurt. The only thing I would think is like, oh, it's another pair of Lula Lemon something she absolutely did not need. And I'm like, huh, I don't need the sixth pair. Yeah, I feel like I would be more, I don't know, I think I might just go like, oh, okay, cool, like you wanted a different color size, you had too many of it, whatever. But if the whole gift was unnecessary, I don't even want this.

It really depends on what the gift was. I know. Right. Was it a piece of jewelry that he thought a lot about, or was it just like a... Yeah, she brought them back. It's just like a thing. It's a thing he bought. So it's not like he made a handmade thing and she decided to return it.

Good point. What does y'all's, what you else take on taking back gifts? In general? Mm-hmm. Like from anybody? Well, number one, you have to have, really? You usually have to have a receipt, in which case that person gave you the receipt, meaning they're totally okay with you returning it.

So that gives me the freedom to return it. But you can take, I learned this from you. Can I say, I don't really get gifts? I don't get gifts. My in-laws are gift givers. My parents, I don't get gifts from my parents. And then. I mean, they kind of gave us all this.

It's kind of awesome. Are you not entertained? But literally, I'm trying to think. You get a company. My birthday, I had friends give me some gifts. And it was like sweet necklace. I mean, it was great. But like the true like, oh my gosh, I get a lot of actual physical gifts, literally

are from my in-laws. And they always get a gift receipt. And they always say, take it back if you don't want. I don't know. So I'm just thinking through it. I'm like, do y'all get a lot of gifts as like adults? We have people who love us. So, yeah.

Y'all do. Y'all do get a lot of gifts? If it's from a friend and it's thoughtful, I don't return it. Because I know it means more to them than to me. How often do you get gifts from friends, though? I mean birthdays mostly, maybe Christmas. And that's like maybe three guys in my life who do this. I do, I don't know.

I just feel like you're just just. You do? Yeah. I'm not even like a really likable guy. What are people giving y'all? No, again, my friends, I got like probably six gifts on my birthday this year. So I can't like, so my friend, not that my friends watch the show, but like thank you for that. But like, besides that and our parents.

It's a cry for help to Rachel's friends. My parents. I'm being genuine though. Like, are you like, who's giving you gifts? Myxologist Michael Reddish, one of the greatest gift givers. Now, he is a great gift giver. Okay. Our friend Chris, who runs the Ramsey Network, he loves giving gifts.

Are you all good friends with it? Y'all are all good friends. You need better friends is what I'm realizing. Went in the same. Step it up, Rachel's friends. No, but I've got friends from other states who are like, hey, I saw this knife and I thought you would love it. Or, hey, you really did this not awesome thing for our kid once a few years ago

and I rented this thing. Or, yeah, that happens all the time. I get gifts from fans of the show. I do, yeah, that also. Bulldog socks or something. God, I'll get, I mean, sometimes. Many fans just send money straight to my bedroom. I don't know.

I just don't. Can I tell my secret fantasy? Is that a fan leaves me in their will? Oh my gosh. And I'm like, wait, what? Like a lawyer calls me, he's like, hey, there's a million dollars someone left to you. Just to say thank you.

Yes. For the fact that they have a million dollars. That's my dark, twisted fantasy. I love it. All right. All right. My fantasies are so different than your... And I don't...

I understand. So different. Uh, one gift that no sense. spouse, whatever day are sending back, cozy earth products. 100% never would I ever. Why would you? It's the most amazing thing ever. Even if I had multiples, that's a blessing.

100%. Yes. I literally have four of their pajamas right now. Love them. Obsessed. Literally, like, Sheila will come ask, is it too early to put on the cozy earth pajamas? Yes, because it's about 5 o'clock and I might.

Or two in the afternoon. Like, always. No judgment. zero judgment. And I've never been as enthralled with a towel in my life. I love it. It goes around my entire body twice. Like four times.

Yeah. It's like the mummification. It's amazing. So from towels, athleisure, bedding, you name it. Y'all. It's cozy. Can I say one of our children got sick and threw up right next to our bed. That's one of those like they came down, mom, I don't feel good. And then right there and you're like, you know what I thought about?

My cozy or she's. I was like, get them off real quick, get them off. I was like doing a six. Now you know why I have a waterproof blanket on top of the bed. I must protect Cozy Earth sheets at all costs. I know. I mean, genuinely, it was a concern of mine. But it is all fine.

Everything came out. Hey, check it out. They got 40% off when you use the promo code, Smart Money at checkout or go to cozyEarth.com slash smart money. Hard to beat. We'll drop a link in the description as well. Amazing.

All right, next step. Husband and I had an argument about the $300 crossbow that he purchased so he could get into hunting. Did Sheila submit this? No, because I would have bought like a $1,500 one. I was going to say, what's a $300 crossbow? Not a very nice one.

Is it like a Toys R Us version? So we're okay with that. That's an easy, like, entry level. You're trying to hobby. What's the thing you make fun of? Is that a crossbow? Versus like a bow and arrow? Yeah.

Because crossbows are like an automatic situation. Like I could do a crossbow. Absolutely not. Okay. No. No. No. I tried to pull one in Mississippi.

I couldn't do it. It takes like 60 pounds of... Well, you had those black rubber gloves on. I shouldn't have had my gloves on. And you had all that Moroccan oil in your hair. Everything was slippery. Well, I had just moisturized, so it was real slick. I couldn't get the grip on it.

It just kept... Yeah, yeah. But your lady's saying, great job. You're doing great. Thank you. That's right. No, I mean, like in the, in like the bow hunters, yes. There's like a special like, oh, that's cute.

Like we have the crossbow... Okay, so he's cute. But no, no, but it's still great. If you're outside in the woods and you're trying to, provide for your family or now he should have asked her talked about it. Correct, correct.

And been like, hey. Yeah, well, the question, we don't know the context. Did he ask her? I don't know. Did she know that this was another one of his, like, hobbies that he would give up within a day? If that's him, if that's him,

or these guys that get into all these different hobbies. You know, I would say, hey, if you don't actually kill something within 30 days, you're taking it back. Well, that's ridiculous. You're not supposed to hunt within 30 days. You got to practice. And there's hunting seasons. Yeah.

Okay, and by the, but can we flip this around? if you have a husband who sits around and plays video games all day or just gets home and spends all their time on the phone and just scrolling or whatever and finally is like, I'm going to get outside and start trying something. And the first thing they do is they're like, hey,

I'm going to go get across. Which, by the way, is the safest entry into that kind of hunting. Versus like a gun? Versus like a bone arrow or a rifle, whatever. And it's only going to be 300 bucks. That is, that's, it's literally nothing. to walk into that game.

That's a very low entry point. Yeah. If her first thought is, oh my God, that squashes a guy spirit. So if, in all this is context, if you have a husband

that doesn't do a lot and is like, I'm going to head outside, cheer him on, man. Figure that, figure that $300 out because that could be something that lights his soul on fire

and gets him outside and moving and doing all kind of stuff, which could be awesome. It's good. Okay. Okay, we'll take it. Of course, John would advocate

for the crossbow guy. 100%. Or here's another. Here's another thing. He could be ordering rubber gloves off of Amazon to pick up dog poo and wipe the dogs. My version, I just bought a complete skateboard for the first time in my adult life.

Can I? Shut out, dude. And it was over $200. And I thought... What is a complete skateboard? I mean? What, do you get half skateboard? You got the skateboard and the wheels.

Versus like just the deck or the wheels. Like, I ordered it online and it comes complete. Isn't that usually how it comes? Well, you can piecemeal it. Oh, okay. Anyways, my wife was like, are you sure you going to use that? I was like, oh, by the way, I already have like two other skateboards,

but I wanted a new one because mine was, you know, 15 years old. So cool. Sounds like a new father running away from responsibilities. Zero times. It's hot out. It's Tennessee summer. What was I thinking? It's hot out.

You can't skate 95 degrees? Would you skate up now your street? That's what I did. And I was winded. I was winded within two minutes. And do people like wave? Nobody waved. Are you going to skate on your street?

I see George, like, pedaling. And then like... It's not called petals. There's no pedals. You push. I'm sorry. Your foot. You're pushing.

And then you get up, do you do this with your arms? I'll have you know. I could have gone if I wanted to. You got YouTube videos to prove it. From the company. All right, next up, we recently argued about my wife's family

using our Amazon account to buy stuff and her brother doesn't pay us back. Oh, I'd be mad about that too. Yes. Why are you allowing this behavior? Why doesn't he have his own, like, payment info? That is too. That's pretty terrible.

You know what? I give a little slack, little slack, because I do this on your account, George. Not on my Amazon account. No, no, I was going to say, though, is the subscription sharing that you can, you know, streaming max or something? Some people call that stealing, but whatever.

No, because his account, he can have up to like six profiles or something. Yeah, and I call it outrageous generosity. So we took one of the profiles, the cruises did. It's still there. I know, thank you. But I'm saying subscriptions of watching something, versus purchasing constantly.

It feels different. If you can store payment info, do not have a shared account there. And he can create his own account. Like, we have a family account for Amazon and so you can have different accounts. I don't want to see what people are buying either. No.

How are people see what I'm fine? You don't need to see my exam gloves in there. You don't need to know what those are for. And what about people who get married and they're still on their parent's cell phone plan? Oh, yeah. I'm a no-go on that one too. Like when you get married,

you got your own cell phone plan. Are you still on Dave's plan? Yeah. Please say yes. No. I have a work phone. Okay. No, but I do it.

I do feel like, now, unless you're, I don't know, there's situations where, hey, it's cheaper, they're on the senior plan that can add me for 20 bucks. I give people four years. That's a little bit one that I'm like, four years? Yeah, on a cell phone plan. The question is, are you paying for it?

Even if it's on your parents' plan, are you paying for it? Are you actually sending them the money monthly or yearly? I hear what you're saying. And normally I'd be on your team. But that one for some reason. It kind of feels like insurance, too, when you're under, what, 25, you can still be on your parent?

Like, I don't know, like, just stay out. Like, you're fine. It's not hurting anyone. I don't know. I'm out on that. Eventually, we all have to become a man and get her own cell phone plan. But, hey, that's just one man's take.

I think it would probably bother, very stereotypically, bother the dude more than the girl. Like, I think if he was on her family's cell phone plan, I think he would feel, yeah, I think he would feel weirder about it. But for some reason. But I'd also feel weird to be like, oh, hey, honey, I would have Venmo, my dad, $48 for our cell phone. But that would just feel weird to me.

Yeah. went and say to pay it that's what i'm trying to think of oh just let them keep paying our bills for us just just the cell phone is what i'm going to have a job for ever but there's something about having cell phones that i don't know if you're right though for the girl if my little girl asked and she's 27 i'm like i got you babe i know it's just it's not that big of a deal like i don't know i don't know john there's worse problems in america i feel more passionate about that and i feel more annoyed with netflix or something i don't know why i'm very it's not congruent it's just my feelings that explains rachel i'm so sorry i'm All right, last one for the petty arguments.

Are Husky's budget line items bigger than our groceries? At least he's comfy. All right, tell us about that, George. Yeah, George. How do you feel about that? No, no, no, tell us, John. No, it's clinically insane. And it's what's wrong with America.

That's a real dog. That dog needs more protein than I do. Not than the real humans that live in that house. Have you seen what huskies do in the wild? Have you... They do capture people from Applances. See? I thought of the...

Husky. And German Shepherds. They're pretty amazing. I personally have no issue with this because it's budgeted and I assume they're paying cash and it's not derailing other financial goals. So if they're paying, let's say,

$600 a month for this Huskies needs versus $500 for groceries, it's their American right. Why do you have anything against America, John? I just... I feel like a Husky is the most American dog you can get. No, I can't get it. Did you know that we could,

with the money we spend on pet products? We could solve homelessness in the United States. That's like a dollar for dollar. Have you researched this? Yes. This feels like an anti-dog agenda. I have three dogs and I love them. You know what they eat?

Dog food. I literally didn't know you had any dogs. I have three dogs. How little you care about your dogs? Not even one, not two, but three. I love my dogs, but you know what? Don't you have a little guy, a little one? I have a little, uh...

Like a Shihon Shih T Shih Tzu thing. I don't know. It's a dog. did not attend, but it's cool. And I have another dog that we got off Craigslist. That was not a wise purchase. How big? How big is he?

People still going to Craigslist to find dogs? I think that's illegal now. I think they took it off. No, it's called rehoming. I rehomed it. Oh, that's right. And then I've got Stella, which has been my right, she's been my writer die for like 10 or 11 years now.

How did we never met your dogs? You never introduced me? Because they're dogs. They're not people. You know what they can do all by themselves? Poop. I've been in your home. never seen a dog. I know, because they don't run my house. I don't have special blankets on my

bed that I share with my wife. Velvet couch, John. You got to be careful. I don't have a velvet couch either. Exactly. You have lava lamps too? What are you doing in your house? Looking into it, they're coming back. Good God. We have a lava lamp. Like some knit owls? They love it. Well, what happened to delightful John? Well, like, it's hard. No, your dog food budget should not be more than the human food budget. They never said food. It could be hair care.

Okay, read the question again. Our Husky's budget line item is bigger than our groceries. At least he's comfy. Groceries is a lot. We don't know what comfort what their needs. What if they make a billion dollars and they want to have a nice life.

Yeah, but if you're spending $800 plus on your dog a month, that's a lot. And yes, him. I'll see myself out. I'm in the wrong room, guys. Read the room. Here's what I knows this is going to happen. one day your daughter is going to be the executive of your will

and she's going to quickly have she's going to have inherited your billion dollars and she's going to think wow $800 per month per this many years in an index fund at 10 oh shoot George yeah what that could have been I don't think she'll worry about it no I think she's not all about money yeah she's going to think wow I'm going to donate

all this money I inherited to the animal shelter. So that someone else can have the privilege of owning this dog and taking care of it like my parents did. We are so over time. I'm going to have a job forever. Not when the dog haters come after you. You'll get canceled by dog people. Whatever. He sold a horse. That's all I'm saying.

I didn't sell the horse. And he was totally offended. And more people are sending me videos of this. Dogs and wheelchairs. If your dog has to go in a wheelchair, in my opinion, it needs to be put down. For sure. For sure. Yeah.

100%. It's cruel. It's cruel. Yes. It's cruel. And yet we don't do that with people. And George was flabbergasted that I had that thought. Yeah, because if you translate that into human speak.

But they're not human. You're not humans. They're dogs. I'm just saying they have a right to live a full life. They've lived it when half of them doesn't work anymore. By definition, that's a half a life left. If all you needed was two wheels to live a full life, you would take it. But I'm a human.

I know it is sad. That dog wants to run. We should just put all dogs down because apparently they're not human, so what's the point of living? No, it's just Rachel's take, not mine, don't clip that out. This is how...

I think we should move on to the next segment. Our final segment. I think we should discuss our best friendship in this. Let me remind you, John started this off saying he's delightful John now. He's so nice on air. All right, next step, we're going to do a rapid fire headline react. Are you ready?

Let's do this. I can't wait. All right. Just our top thoughts. Sports betting on average. Households spend $1,100 on sports betting while cutting back on investments. And also states have now that have legalized sports betting saw a 28% increase in bankruptcy files within four years.

Some studies show that the divorce rate is about 10% higher for those who gamble regularly versus the general public. Sports betting is a cancer. What do we think? Yeah, I think it's an absolute cancer. We agree on something. We should have covered this first before the dog stuff.

That's right. It's evil what we've put into, yeah, it's awful. And it starts so young with boys too, I feel like, especially. Well, I mean, you're really going after like the 18 to 25-year-olds, largely men. And now with the apps and all of the, you know, regulations that have loosened, like states are taking it on because they're making tons of money from it. And so it's just making it socialized gambling. So you think, I don't have a problem.

Everyone does it. Yep. It's like having a drink once in a while. And there's no emotion to it. It's like, oh, here, at least a slot machine. and you have to physically do something. It's crazy. But no, but I'm saying like,

there's not, you can go so fast. We're like, if you're betting in Vegas or doing something, you have to like wait for the car. Like there's like, do what I'm saying?

There's like an interaction. Yes, where this is like, literally I'm just punching my phone. I'm like, go. And you like brag about it to your buddies. Like, bro, it is parlay. Like, you just kind of,

there's a social element to it that it's extra dangerous. And it takes a huge bank roll to even see any money and most people are going to lose. Yeah. And the sports betting companies know that, and they're preying on it with billions of advertising.

Well, if you saw the link behind closed doors, Michael Easter's done a lot of research on this. Like, the app developers and the neuroscientist and the psychologist, here's the deal. They're just better than us. They have created digital cocaine, and they're just better than us at it, and you can't win in the long run.

And it's a cancer that we allow that. Why is sports betting so much on the rise versus, like, regular gambling? Does that make sense? Because it's the allure that I'm a part of a thing. And the entertainment factor, because you're already going to watch the game. Okay, so might as well put some money towards it. Yeah, but it's deeper than that.

There's a tribal connection. We don't play sports anymore. We now hire other people to play the sport for us and we watch it. And we put our, like you see grown men walking around at college sports with teenagers' names on their back. That's wild. Right, right. But now we're able to participate in that game from our couch with this phone.

We have literal skin in the game, except they're better than us, at taking our money. Yeah, yeah, yeah, yeah. And it's just catastrophic. You can bet on like ping pong in Singapore at 3 a.m. And that becomes kind of like the, you know. So, I don't get that.

If I'm going to be gambling, I want to be part of it. I want to be playing the game. That's the spirit. You want to talk about that that one time? Give me a craps table. I know, John. I'm so sorry. It was sad.

So sorry. Listen, I have one great craps run in my life, and it was the most, one of my highlights of my life. And I followed Rachel, her very next craps run. And then we all had an event in Vegas, and I had a couple people. I was like, y'all, let's go the craps table. I have this figured out. Trust me.

It's easy money. Just on, yeah, six in the age. Just put it on. And it was like, roll. And it's gone. It was bad. I remember donating $5 because she looked like a sad puppy who stopped wagging its tail. And I was like, do you want to go play at the nickel slot?

You want to go over there? I don't know. Like, to me, I'm like, let me, like, be part of it. if I'm going to be gambling. I don't like trust in old Dustin on the Wisconsin team to like do it for me. Dustin from Wisconsin.

I don't know. Felt right. That's a good one. Let's talk about singleness, John. Only 34% of single women say they're actively seeking romance while 54% of men report that they're trying to find a partner. Economists and sociologists have identified a growing discrepancy between men and women's social lives and education. Women tend to have a wider social circle,

more degrees on average. making it more difficult for people to find a match. And I've been seeing this, I just saw another one. I was saying like women are going to be single longer into their 40s because it's just harder with careers and education and the dating apps and men aren't getting any better. And so what do you think about all that? I think for the first time in human history,

women have the opportunity to opt out of an oppressive system or some guy just says, like think about this. My mom was not allowed to get. get a checking account without my dad's signature. That's my mom. That was not long ago, right? And so for all of human history, up until just right now, women had to do their life through the path,

some man somewhere like card for them. And they don't have to do that anymore. And they're opting out. And the dating apps, there's a lot of the talk and research on this, but the dating apps essentially filter by height. They filter by income. They, like, continue. What does that mean?

What do you mean? That means like, only guys over six feet tall, please. Oh, like in your preferences. Right. Okay. And so you can just go through and you're just slicing off. You're curating what you're wanting. Yeah, and here's the controversial part of it all is women, more women go to college now.

Women are starting to earn significant amounts of money, especially early. And guys aren't keeping up, but the average woman still wants a guy that earns as much or more. And so that number is just doing this And they're not catching up And then you can take that app And you can just filter, filter, filter, filter And so a smaller number of men Are having way more dating opportunities

With the larger pool. It's a mess. Oh, yeah, yeah, yeah, yeah. And so if you get as filter, filter, filter, Instead of meeting that person at work, And they're kind of annoying, but they're kind of funny And you're always in that meeting, you're like, that's kind of a good point.

And they don't look like that person or they don't sound like that person that you would have ever imagined yourself with. And yet a year later, you're like, hey, you want to go grab lunch? And now, like, all that's gone now. Yeah, it removes all of that. But I think it's coming back to,

for the first time in human history, women don't have to, so they're not. And that doesn't mean it's a good thing. I think there's a lot of negative consequences to that, but they don't have to, so I'm just not going to play that game. I'm opting out of that game. Man.

Would you go on a dating app? Is something to happen to Whitney? Oh, gosh. No, no. Because here's the thing, I am the worst, like, target demographic for a dating app. You know what I mean? Like, I don't have a credit score. I'm five foot six.

Like, nobody's like, oh, yeah. Our pets' heads are falling off. Yeah. Me and my French bulldogs. Yeah. Nobody's. Yeah, it'd be George, two French bulldogs, a box of rubber gloves. He's got rubber gloves and don't worry about these.

You want to wipe some butts? Everything's fun. I was finding an old Baptist church and say, hey, she's a nice gal. You know, like, that's the, just go old school. All right. You know? But, no, I don't think I could. ever find love again after Whitney.

Would you, you think dating at? Solitude, right? Yeah, I mean, maybe not like in, I think they're kind of fun. Never done it, obviously. But do you think you could do better than Winston? The girls that work, that talk about, I'm like, ooh, that sounds so fun.

Like, I don't know. And then you see there are swipes and you're like, oh, oh gosh, another fish? How many fish? Fish. No, but hold on. Earlier somebody, they're all holding a fish. Somebody in this studio had a guy,

and the first thing Rachel looked at him, she goes, oh, he's hot. I thought he was good-looking. He is really, I thought he was so good-looking, too. Yeah. But, yeah, he's, but I can see you totally getting into it. He was in New York 5. LA 3.

Let's not get crazy. He was not. He was a Texas 10. He was good. That's saying something. Or is that rating. No, but I don't think I can do better than Winston. It's harder to do better now.

Winston genuinely is everything I'd ever want. It'd be very hard. L.A., top tier, New York, mid-tier, Texas. Texas isn't good. Well, low bar. If you're a 10 out of 10 in Texas as a guy, you know. Oh, see, I think that's better than an L.A.? It's just, I didn't make up the rating system, guys.

What are you on the Boston scale? I don't want an L.A. guy. Oh, I'm a Boston. Actually, probably a Boston's maybe a four. You know what, a Boston guy. Like a Ben Affleck? Yeah, I could give you my stereotypes of cities. It'd be like, yes.

Or, mm-mm. Seattle? Sorry. L.A.? No. Silicon Valley. Oh, let's do this. this is going to be great.

And this is the last episode. I don't know. Y'all could do that probably with, I don't know. We're not allowed to do that. Yeah, yeah, you can't do that with women. No, we're not. All women are great and wonderful, no matter where they're from. Every city in America, there are beautiful women.

Every city. Who deserve to be loved. We met a family from Long Island this week, y'all, at the hotel we were staying at, talking to him. He was a New York City police detective for like 32 years. And they were the most amazing fan. I mean, they were so fond with her. two daughters and their husband and they're just like Italian New Yorkers and they're just

loud and fun. Oh and just I mean everything, all the stuff. It was so funny. And I was like, I could be in an Italian family. I like them. I like that. I like that. I mean, you kind of can't because you're not. No, I can't. I thought like loud drama. That would be a fun. That would be a fun family to marry it too. You like good food and loud drama. Yes. That's all she needs guys.

So fun. I don't know. All right. Last one, John. You ready for this? AI toys. Mattel, makers of Barbie and Hot Wheels, says it's partnering with OpenAI, maker of Chat GPD, to bring, quote, the magic of AI to age-appropriate play experiences.

What are your thoughts about AI entering the toy world? Like, there's toys now you can interact with. Imagine my phone that I just interacted with, you know, like... It's like a Barbie. As in a toy. Yes.

Hey, that already exists. Or it's in a stuffed animal. And the little kid can ask it anything. It will tell the kid's wonderful. And by the way, it's smarter than all humans that that kid knows combined. So it actually has the right answers. But a little bit, maybe.

But like, it's got everything. And it's always delightful. It's always on. So at 2.30 in the morning when the kid wakes up, you're like, hey, I can't sleep. And it's like, well, I'll sing to you. Or the mom's like, get back. That's right.

That's right. Yeah. Or when they're 14 and boyfriend breaks up, and it's like, oh, hey, I think you're beautiful. In that voice, like in the boyfriend voice, it would be the opposite of George. Stop it, y'all. I'm serious that it already exists.

Yeah. It's going to be a nightmare. Yeah, it's a mess. So the AI stuff, that freaks me out because the fact that technology can know so much about you, not good. And that happens all the time. That's why I love Delete Me. Yes.

It will go in and remove your information from Data Broker websites because our names are out there, our addresses, our email addresses, so much of our information is out on the Internet, and Delete Me goes in and removes it all. We are thankful for that technology. I love it. And my favorite part, they send you a report showing you what they removed, how much time they've saved you.

And so far, I'm off a 240. 40 of these data broker sites, they've saved me 94 hours of time. Nice. I just sleep better at night knowing, oh, good. I'm less at risk than someone else who's just floating out there with their family's info. So it's an easy way to stay protected. I love them. No, no, no, they pulled me off of hundreds of websites, way more than, how many, 94?

I was on 240. I don't know why I were like, bright. Like, how did you get pulled out? I think I'm like super like off the grid. Dude, when they sort of sending me all the reports, I was- astounded at how much of my stuff's up to. Well, and what makes me mad

is these data brokers sell our data to make money. And then it all just goes every, all these other places. I'm like, don't make money off me. Stop that. No. And they're giving our listeners and viewers a sweet discount,

20% off their annual plans when you go to join deleteme.com slash smart money. We'll also drop a link in the description below, but all three of us use it and love it. That's all you need to know. So great. What more do you need?

So great. Well, y'all, this was good. I had a time. It was a good time. Delightful John was here. He tried so hard. Yeah, he did great. You did try.

I didn't help because I kept pushing on the dog button, which is your least favorite button. But I love dogs. That's a friendship, though. Look at y'all. I love them. He loves dogs that are cheap. I just love dogs in the rightful place.

Yeah. Fair enough. Yeah. Do you consider yourself now that you're a human parent? you could still consider yourself a dog parent? I am still... Or are you a pet owner? Yeah, my pets are still my responsibility.

I would never say dog, dad. I think that is you're trying to instigate a fight. But I would say they're under my tutelage and care. So here on smart money, I'm officially suspending our best friendship for a period of 30 days as a penalty. You know what? I knew tutelage would get him.

It's so good. That would bother him as a real academic. with his two PhDs. Tutalage will only be used in a classroom. T-O-O-O-G-E. I'm not going to do it because I know it, and I don't want to impress you. Well, the last time we were all together

at a live event was money and marriage. That's right. And we have another one coming up in February, you guys. So Valentine's weekend, John and I are hosting Money and Marriage, and it's a great time. It's a lot of this. You know what I mean?

Yeah, it really is. It's a really fun weekend. We get multiple days together, hanging out, talking about some great stuff. So it's awesome. So if you guys want to check that out, we'll put a link down below. Come visit us in Nashville, spend the weekends. I hope to be there.

I want to just attend one year. Like, just bring Whitney and we just attend it because it's that good. It really is. The content and everything we spend. You all have two kids now. Like, your marriage is different. Yeah, that's true. Oh, don't remind me, John.

It's so much. Plus two dogs. So much. All right, before we spill the tea on our Guilty's Charge segments, let's share the details of the drink. I apparently loved it the most. This was the Alice in Dallas. I'm going to give this a, I think, a 10 out of 10.

Me too, George. I was a little bit concerned at first, looking at the ingredients. Like, this is going to be a trash drink. It's delightful. Almost as delightful as John. And I don't drink hardly ever, and this is fantastic. It's really good. It's really good.

I like it. It almost could replace an espresso martini. Yes. And you don't want to know wine, Rachel? Yeah, give me the ingredients. Here's what's in it. Coffee liqueur. That gives you your coffee flavor.

But it's not a very heavy coffee. It wouldn't say it's a coffee drink. It doesn't taste like that. It's got coffee lique, Grand Marnier, which is a cognac-orange lique, and repisado tequila, which is an aged tequila. It has a little bit of smokiness in there,

but what a delightful drink. The Alice in Dallas, $3.12. What was your rating out of 10? Yeah, I don't drink very much. That's a 10 out of 10. Wow. Stop standing, yeah, it's good. That doesn't always happen.

If you can impress, John, sky's the limit. That's all we need. Get the recipe in the show notes. Give it a try this weekend. If you're of age, drink responsibly. All right, now it's time. I'm four.

Guilty as charged. And this is where we ask each other a guilty charge question every week, and if we're guilty, we take a sip. And I thought it would be fun. Yeah? To pull out. Oh.

Not a business card from the IRS. Who is this person? What kind of magic trick is this? Okay. Didn't know I had that. I have a questions for humans card. Do you owe taxes? No, I think I maybe just met a person

who works for the IRS, and I thought, good person to know. I think he... He's on a Facebook group called Share Your Bomberjacket.org, and that's somebody else's. Do you want to have a child's bomber jacket? I have here a questions for humans card from Dr. John Maloney. This is the friend's second edition. So fun.

And we are friends. So here it is. What's something you thought was stupid until you actually tried it? John, go first. Oh. Okay. I got to set it up, though. Is that cool?

Yeah. So I can't stand that they are shoving protein stuff into everything. Protein is the new low fat, right? When I was like, it used to be everything was low fat. Yes, yes. The Twizzlers, it says like, low fat. Yeah, yeah, yeah. Now there's like protein everything.

Can I show you all? Yeah. You brought some for the class? Oh, my gosh. I have my trusty backpack. I have my trusty backpack. Very often. Whoa.

It's cool, guys. It's good. I'm not even kidding. This is Wait, I've seen influencers Pedal there No, dude, it's Chloe Kardashians Are we back to try it?

Listen, popcorn is so good for Like, it's got good fiber And I'm eating this How loud is that on the mic? Is it so loud? Is it AMSR? Yeah, yeah. Do this in slow-mo.

Do it. Yo, I love this stuff. And plus I can get ripped while I eat it. Let me have some. It's so good. Oh. That's that good.

actually good. I know. How is there protein in it? How is it so crunchy for being in a bag? Actually, it's delicious. Is it expensive? It looks like it's $28 for that bag. It's just a little bit less expensive than George's rubber gloves for dog poo.

Wow, seven grams of protein per serving. And it's got lots of fiber and it's so good. All right. Amen, hello. Hashtag not sponsored, but great popcorn. All right, that's a good one. Huge. Rachel, what's something you thought was stupid until you actually tried it? Mm-hmm.

A wireless phone charger. Oh, like where you just plop it on there. Winston bought like four of them. I was like, oh, my God. I just reached out and plug in your phone. You're like, it's not that hard, Winston, just plug it in. I know. And then he plugged one in on my nightstand, and it's like, doop.

And it just charges. I'm not leaning off the bed trying to get a cord. I'm going to go with pedicures for me. It feels appropriate based on our conversation today. I'm not going to say crossbows. I thought it was so dumb, but then I got out there, and I shot the crossbow,

and I hit an innocent animal that couldn't even protect her, defend itself, and I was like, yeah, bro. Anyways. Did you wear socks while you're doing that? No shows, baby. Actually, Cozy Earth represent. No, pedicures.

Here's why with pedicures. I always thought, like, you have to get your, like, toes pain. None of that. No. Imagine you leave, and you, like, are walking on a cloud because they gave you, like, a leg massage.

Yeah. That's really what's all about. It's amazing. And the scraping on the bottom, you're just like, I'm a new man. I know. I get it. I get it.

We've had a lot of guests on this show, Sharon Ramsey, Dave Ramsey, your children. And John is now added to that list for better and for worse. So thank you, John. There's also an episode with our better halves. So check out the episode Spilling the Tea

with our better halves coming up next. And make sure to like and subscribe so you don't miss an all new episode of. Smart Money Happy Hour.