Smart Money Happy Hour with Rachel Cruze and George Kamel - Did These High-Dollar Lawsuits Pay Off?

Episode Date: August 21, 2025

📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out. Justin Baldoni and Blake Lively, McDonald’s hot coffee, Gwyneth Paltrow on the slopes—we’re breaking down the most infamous (and expensive) lawsuits in pop culture history. After running the numbers, were they really worth the cost? Tune in to find out!   Next Steps: 🛡️ Find financial services you can count on with RamseyTrusted® 🎥 Watch our video Money Motives Hidden in Shocking True Crime Stories. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.  💵 The simplest way to budget. Download the EveryDollar app for free!  Connect With Our Sponsors: Get 20% off when you join DeleteMe. Get up to 40% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Paloma Mocktail Recipe: The Wooden Skillet 1 grapefruit, juiced 1/2 blood orange, juiced 1 tablespoon fresh lime juice 1/4 cup club soda 2 sprigs fresh thyme   Kosher salt   Instructions: Use the grapefruit or blood orange to rub the rim of the glass. Pour kosher salt on a plate and turn the glass upside down to turn the glass rim in the salt. Add grapefruit juice, orange juice, lime juice, and club soda to a lowball glass. Add as much ice as desired. Garnish with fresh thyme and/or grapefruit slice.    Explore More From Ramsey Network: 💡 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

We cannot stress enough that we are not actual lawyers. We are not attempting to give official legal advice in any way, shape, or form, but sue us for wanting to talk about lucrative lawsuits anyway. They should not be taken advantage of. Do not, no, don't you be suing me? I think America is land of the free, and sometimes that means we are free to sue whoever we want for whatever we want. I never fell for it.

But the fact that people did is just so funny to me, and that includes your brother. Hey, guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money Happy Hour. Well, this is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money. But first, let's talk about what we're sipping on. It is a citrus paloma mactail.

Paloma meaning grapefruit. Did you know that? Delicious. I did not. Fun fact. Yeah, that is good. I think. I just made that up, I think.

Paloma, isn't that what... But a paloma is a grapefruit-based cocktail. Poloma is what Pookie and Jets named their daughter. I love that that was your first connection point. But is it called, is it grapefruit? Is that really like the name of it? Yeah, I believe so. Interesting.

They named their kid grapefruit. Okay. Hey, who am I to judge? We're going to give you our rating and reveal the cost per glass at the end of the episode, so stick around for that. Oh, man, are we about to like get in it? Do you know I love Judge Judy? Really?

It is one of my favorite. Oh, I shouldn't say it's like one of my favorite swatch. But especially if you're on an airplane and I'm traveling and you can go on Southwest and do the live TV. Southwest has Judge Judy seasons? I know, it's just like it always happens to be live. It's always on TV. Yes, and I will watch a shooter on an airplane and be so happy.

It is entertaining. She's funny. Yeah, she's sassy. So I hope we're sassy and funny on today's episode, because we're talking lawsuits. We'll see. Even though our God-given names are neither judge nor Judy, we aren't totally lacking in this area

because I have been sued famously for a car accident from 2014 that took three years to resolve. Which is pretty wild. I know the stress of getting sued. We live in a very litigious society. We do. You got to be careful. You really do.

Golly. Here's what's crazy. Anyone can sue you for anything in America. Isn't that wild? An intruder could slip and fall on your front porch and sue you. I've heard that. I have heard those cases. Yes.

Insane. Absolutely insane. So today we're focusing on, I guess, lucrative lawsuits, meaning probably celebrities, the ones that came up big, big money, big money. I think the number one lawsuit right now in pop culture that we're all watching. Oh my goodness. Still waiting on.

It's kind of gone silent. Then you'll get some news and it goes silent news. Justin Baldoni and Blake lively. Man. What a juicy one. Yeah, and I loved that book. I liked the movie. It's a very sad subject.

But like it was all going so great. And then it went so south. Those two, you know, not good. Could you imagine acting with someone? because I think some of their drama was happening, like, during it. Oh, yeah, I saw a clip of, like, a behind the scenes of, like, what was actually he was saying on the microphone. Oh, that's because she accused him, yes, sexual harassment.

And so he had the behind-the-scenes clip. I'm like, where did he source this? I know. Well, yeah, so he, yeah. He had the receipts. He had some receipts. But I can't remember if their conflict was during filming or not. I can't remember.

I don't even know what it's about anymore. The, it's her suing him for sexual harassment. And that's what's so tough is I'm like, especially those kind of cases, like stats show that if a woman brings that forward, it's like, what was the exact stat? It was like 92 to 98 percent. It is truthful on her end because it takes so much energy and time to bring it up. And they claim around 2 to 8 percent.

They could be lying or exaggerating or whatever. But over majority, I mean, 90-something percent of the time a woman claims that. It really did happen. But then you get these cases like this one, which is, again, we're getting, details all the time. All the time. Things are happening all the time. We'll say that.

But I don't know. It's not. The court of public opinion on this one is team Justin. Yeah. I mean, that's, from what I know, I'm team Justin. I know. I could be swayed. It's crazy.

But I'm also team Ryan Reynolds. So now I'm like, how do I feel about Ryan, knowing that he's complicit in this? I know. And I think he's kind of part of the deep. And they're going on late night shows acting like nothing's happening. I know. Life is normal, which is extra wild. Crazy.

Here we all are, who know nothing, don't know their personal life. It doesn't affect my life, but I'm invested. We're scrolling and watching. We are. I am invested. Is she on your prayer list or no? No, but Justin Bieber's back on. Oh, yeah.

I'm really worried about Justin. I saw some close recently. You know, Lindsay Lohan's doing great though. I'm still cheering her on. She's flying high. You can still take credit for her. She really is. She's doing great.

But yeah, Justin, I know, yeah. I just, I don't know. I just want the best for him, you know. Yeah, keep him on there. Blake. Don't take them off. Blake is not on mine. Taylor Swift is.

She kind of got dragged into this. too. We need to get her name cleared. Oh, wow. I didn't know that. Yeah, they're going to subpoena her. I know, I'm telling you. You know how busy she is? She's enough time for this. I think that's what she said to Blake, basically. And Blake, I think, supposedly kind of blackmailed her.

So that one is playing out. And hopefully, maybe in the comments, something's changed if you're watching this episode. So do you have any new deets? Leave them there. But, you know, it's not just the rich and famous in Hollywood. Again, the U.S., very litigious place these days. These stats are crazy.

More than 100 million laws. are filed in state courts each year. A hundred million? There's only 365 days. Between a hundred million laws. The courts just must, I mean... I mean, constant, can you believe it? This is crazy.

And an additional 400,000 lawsuits are filed in federal court. And those stats are just for the civil cases, not the criminal cases. Yeah, that comes out to one lawsuit for every three American citizens. That means you're next. Based on the stats, I already took... I took the hit. You took the hit. I'm next.

I know. I hope not. I hope you never get sued. Thank you. I would, you know what, if you want to subpoena me in a court of law, I'd show up for you. I didn't say I'd be on your side. I would, but I would show up. Do I have to?

Yeah, I think you're subpoenaed. Would you have to. Would you lie to any, for anyone? In a court of law? I don't know. If Wendy killed someone, would you help her bury the body or would you turn her in? Oh, that's a good question. I've never thought.

You know, it depends on the context. Okay. The context of said killing. Okay. Like, if it was cold-blooded murder, I think I'd probably need to be out of that relationship because I'm probably next. And if she was going to kill someone,

I feel like I'd be first. You know what I mean? Oh, yeah. So, like, I'd be more worried about me versus... But I don't know. I mean, I think context matters. It's easy to say I would never do any... But like, we don't know.

I know. That's what I'm saying. I think Winston would help me. Winston would for sure help you. I might help Winston. 70% chance I will. I'm going to be honest. I don't know that you'd be helpful.

Like, I think you'd make it worse. You'd be like, let me go on Instagram live just to make sure. I would have nervous energy, for sure. Yeah, you would make a bigger scene. Yes. People would be flocking to the scene. I would struggle.

I would be a terrible, like, interrogator. Or no, if someone was interrogating me, I would just keep talking to you. I don't think we should murder. I think that's the lesson we're learning here. We're not good at it. So don't sue us for my. murder because it ain't happening.

Don't come after me. We've not murdered. Plus, the chances of me even being able to do that, slim to none. I can't hurt a fly. I know. But I do kill spiders regardless of how good they are for the house. Yeah, for sure. I don't trust you.

Get them out of here. I trust issues. Okay, so there's some jargon when it comes to lawsuits. You want to give us a little dictionary lesson, George? Here's your... Civil and class action. Law School 101. Civil case is a dispute between individuals, businesses, or

government entities seeking monetary compensation. Civil cases focus on private rights and wrongs like breaches of contract, personal injury, or property disputes. So this is more of a like kind of a, you know, more of a one-to-one versus class action, which is the other type. This is a type of civil case where one of the injured parties pulls a little cat and severdeen and volunteers as tribute to represent a larger group in a lawsuit. Give me like more of a definition. So class action thing, it's a giant class. So we're all going to go after this company because they wronged a whole bunch of Oh, yes, yes. But I'm going to lead the charge and go forward.

I've actually made money from these before. You ever get emails or letters in the mail for class action lawsuits? No. Yeah. You can join and they'll catch you a check for whatever the total amount is years later. Which ones have you joined? I don't know. It's like, hey, Apple had a setting on their phone.

And if you turned it on, you're eligible. Do you want to sign up? And I'm like, okay. Wait, what? Yes. Really? I guess I just don't read the mail. Or email.

Well, you don't check email either. How do you know it's not a scam? I do my research. I make sure it's a legitimate class action lawsuit. Do you sign up even if you've not turned on that setting? Usually if they're sending you this, it's because they know that you were a part of this, or likely a part of it.

Literally have never gotten that. The most I've got, it's like, you know, $15. Most of the time these class action lawsuits, they take years to settle, and by the time you have fourth million people involved, the payout is very small. Yeah, it sounds like it. Man.

Crazy. Yeah, it's just more efficient than everyone filing their own. individual lawsuits. That's the point of a class action. So some view it as a get-rich-quick scheme, but that takes a lot of effort. Again, it pays very little, takes a long time to have any resolution. And if you opt in, you waive your right to sue as an individual, which may have offered a higher payout.

Gotcha. Because I sign up for the class action. It's kind of like a double jeopardy kind of thing. Good analogy. Thank you. Great movie, too. Ashley Judd. Fantastic movie.

What is going on in your brain? Like, whatever's in there, the Rolodex is such a unique. vault of information. I love murder movies and shows and books. You know this about me. Yeah. True crime. Love it.

You live for it. You love a day line. Have you seen Double Jeopardy that with Ashley Judd? No. And Tommy Lee Jones? No. Y'all, it is a great... He was before my time.

You're only a year older than me. It was like 90s, late 90s. Probably 98. Okay. I was too busy watching Veggie Tales and Left Behind. I don't think we were allowed to watch filth like that. Dude, left behind scarred me.

Yeah, me too. And I just watched Prince of Egypt again going, oh, what a great kids movie. What dark tale that was. Oh, great. Pools of blood. That Exodus. Kids dying for no reason.

Thanks, DreamWorks. Like, no wonder I am the way I am. Best soundtrack, though. Great soundtrack. Whitney and Mariah in the same room. Oh, my gosh. If I could sing that would be my karaoke song. Could you?

It's so good. It is so good. It kind of gets me chills. That's a good one. How did we get there in such a short amount of time? I don't know. Let's go back. Okay, let's go.

Lucrative lawsuits. Let's talk about it. Paging L. Woods. Okay, let's do a little quiz. Back to our lawsuits. I'll go first. Okay. This is for you.

Which of these lawsuits resulted in the largest cash settlement in U.S. history? Play along at home. Was it A, the 2016 B.P. Gulf of Mexico oil spill settlement? B, the 1998 tobacco master settlement. C. the 2022 CVS and Walgreens opioid crisis settlement or D the 2022 Navient

Forbearance settlement which they were accused of pushing customers into forbearance instead of income base for payment plans which benefits Navient because of interest What was the second one? Tobacco. Tobacco.

I mean like, yes, oil and tobacco, big industries, big money. I'm going, I'm going, I'm going, I'm going. Tobacco. You'd be correct. Congratulations. Wow. $206 billion. Good night.

Is it because they didn't label their cigarettes? The four biggest tobacco companies in the U.S. versus 46 states. Tobacco companies agreed to stop sketchy marketing practices as well as pay in perpetuity annual payments to the states to compensate them for some of the medical costs of caring for smoking-related illnesses. Wow. That's pretty wild. Dang. The BP oil spill, $20 billion compared to that $206.

Gosh. Do you remember when there used to be smoking, parts of restaurants, you'd go in, and they say smoking or non-smoking. You know how weird to, like, think about that? Yeah. My gosh. It's not like you were that far away.

You could still smell it. Yes. There wasn't like walls. No, isn't that fine? It was just like three tables over, you can smoke there. Yes. People aren't smoking as much anymore,

but they do have the pouches, but that's nicotine. That's different. The vapes are big. Oh, that's right. Everything, like, aired, have you been to, like, in a city and it just smells like vape?

Yes. It's gross. I know. Chemical smoke smell. Yeah, you can just... In concerts. I can't go to shows anymore. Wild man.

Everyone's got their little vape sticks out and it just makes the whole room smell. Oh, it's just gross. Don't like it. Not fun. Okay, ready for your question? Okay. A Florida woman accused a food brand

of misleading advertising when they stated that it could be microwavable in three and a half minutes. Which product was in question? Lean cuisine? Popcorn, craft macaroni and cheese,

or hot chocolate. Craft. Final answer. Yes, you are correct. I feel like I knew the answer before you did. You had the answer. I couldn't find the answer on my sheet. Yes, the woman's name is Amanda

and says that that's only the amount of time each cup should be microwaved. There's prep required beyond the microwavable time. That's what it was. Keep to stir it in the water and all of it. Isn't that interesting? God bless, because usually a Florida woman headline.

does not end well. Yeah. You know what I mean? A Florida woman. Yeah. Have you seen the Florida man in that a thing? Yeah, Florida man. You can search your birthday and Florida man.

Yes. And it's always hilarious, no matter what it is. So funny. Something wild happened in Florida. We love you, Florida. We love you. That's wild that she actually won. Yes, she did.

But honestly, good for her. Do you remember the 94 McDonald's? This was like an infamous one. The hot coffee. That was like a big deal. Okay, so at the time, McDonald's Handbook required franchises to hold their coffee.

at 180 to 190 degrees Fahrenheit. And this passenger was parked in a parking lot when she opened the cup to add her cream and her sugar. She suffered third-degree burns that required skin grafts. Oh. And what's crazy is McDonald's had received more than 700 previous reports of injury

from its coffee before this case, which is wild. And they had paid out settlements in some of the cases. Wow. Not their first rodeo. This case is an example of a frivolous lawsuit. but would you consider it frivolous and unnecessary? Oh, man. Not if she had that.

That's legit injuries. I mean, if I have to get skin grafts, I don't think that's me being a whiner. You know what I mean? That's pretty bad. There's some things that are like user error, you know? Like if I have a knife and I cut my finger with a knife, I don't sue the knife company for having a knife that's too sharp.

Right, right. I feel like this falls into that same category, you know? And also, when I open coffee in the car, I always do it away from me. Yeah. That's just me. What if she didn't have room in the car? What if she was driving a small little Fiat?

That's always just given the benefit of the doubt, aren't you? Yeah, but that's like, but she had serious injuries. I don't know. I just, I still feel weird about this one. Okay. That's fine. It does feel frivolous and unnecessary. Okay.

What about the other 700 people? Yeah, I know what happened to them. Did any of them get skin grafts? I would have went class action with this thing. I know why that makes me kind of cringe. Makes my stomach turn. Well, that's when you. you take skin from one part and move to another, right?

George! But then what about that skin? It makes my stomach turn. Real question. Don't you now have no skin in that other area? I can't. I can't. I can't. Don't.

I'm going to pass out. Don't. I don't like it. I don't like it. I don't like it. Where would you take skin from? Stop. Stop.

If you had to choose. Oh my gosh. Do you know what else I want to stop? What's that? Is my information being online? And delete me. It's a big ask. Removes your information.

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They're making money off of you. And then your phone number and email address gets spread everywhere. And you get all this stuff. and we don't want that. So delete me goes in and removes your information from these data broker websites, and we love them for it. Yeah, and there was a recently, I just saw an article. It was one of the largest breaches ever on these broker sites,

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got a great discount for our Smart Money Happy Hour fans. When you go to, join DeleteMe.com slash SmartMoney, or just click the link in the description and show notes. Love it. All right. Next question for you, Rachel. Here's your quiz. Which musician has had to defend at least three of their original songs because they were

potentially ripping off other classics? No, he's not even on the list. Oh. It's A. Ed Sheeran, B, Taylor Swift, C. Morgan Wallin or D. Lady Gaga. Yeah, Michael Jackson's on that list. Ed Shearine. You knew. I did.

Correct. He threatened to quit music over this. If the latest copyright infringement trial didn't rule in his favor. So, okay, and then what was the, there was a, was it Marvin Gay? Yes. And what was his name? Oh, Robin Thick. Robin Thick, yes.

Yeah. So he's now had to defend thinking out loud, photograph, and shape of you. Wait, who, Robin Thick? Are we back to Ed Shearon? Can we stay on Robert for a second? Robin? Robin? Robert?

You keep changing his name. Robert Kardashians in my head. He was in the loud, too, you know? Yeah, no. Robin. Okay, where do you want to go with Robin Thick? I'm curious. Marvin Gay's family sued him, I think,

for the song sounding alike. Yeah. Okay, so how do you do that, George, though? As a musician, isn't there a point that, like, there's just, like, the notes. Chords are chords? I don't know what that means. Yeah.

But just, like, there's, There's only so many ways you can strum a guitar and put your fingers at different places. Like, what's great is Ed Shearin, I think, in court, brought the guitar, and he played the same chords and sang like seven different songs over the same chords to prove that all songs can sound the same. Well, isn't that bad for him? No, he was proving that there's so many songs out there that are similar. Oh, someone was suing him.

Yes. So he shows up to court with a little guitar, and he's like, listen, I'll prove, like, let me show you how many songs you can play. over the same exact melodies and chords. Yeah. And so it was a great flex on his part. Yeah, it is tough. I mean, you've got to show up in court and some judge has to be like,

hmm, it's different enough. How horrible if I was the judge of a music lawsuit. Racial would not have a clue. I'd be like, sounds different to me. I don't know. Listen, if kids bop can get away with it.

You know? My kids love kids' bob. It's parody. Yeah. It's a cover. Here's what Ed famously said. Okay. Nobody owns the color blue.

He said that to prove that the ingredients in music have been around long before him and will be around long after. Yeah. So I think intent matters. Were you meaning to rip off the song or not? Yeah, but no one's going to say they were in court. It was the melody just close-ish. Yeah.

So, that's crazy. I would be so hard. I would also threaten to quit music if someone accuse me in court multiple times. I'd be like, you know what? this isn't worth it. Yeah. I'm just going to go do something else. All right.

Next up, when it comes to our lawsuits, Gwyneth Paltrow. She was in the news a couple of years ago. This was an interesting one. So it was a ski crash. And it was like two years after it happened to the she and this doctor bumped into each other. Yep.

And then about two years later, he claims all this medical stuff and started suing her. So the question is, how much did retired optometrist Terry Sanderson sue Gwyneth Paltrow for. $2.4,450,000, a dollar, or $3.1 million. Okay, he sued her.

I believe it was $2.4. You're incorrect. D, $3.1 million. He sued her for. And then she countersued him for $1 to make the statement that even wealthy people are legitimately not at fault not there they should not be taken advantage of do not no don't you be suing me actually for respect on gwenna's name for that i don't care what you say about coop that was a baller move great i know yeah so

apparently and she had great courtroom style i remember the outfits yes legendary i mean amazing and i think actually his lawyer that was like questioning like even like made a comment to her about her outfit or something oh wow so good she looked beautiful though game recognized game we love That's a great lesson. Dress up for court. Would you spend a lot? If you were on national television like she was, or like thinking about like Amber Hurd, Johnny Debt,

like if you're going to be on trial and it's going to be televised, I'm spending a lot on clothes. Well, I don't want to spend so much that it makes the jury look, you know, unfavorable on me. No, but she did it in like a quiet, beautiful fashion. Well, we also know she's a gigantic celebrity. You know what I mean?

Versus me. If I'm in a luxury designer suit, it kind of gives a bad vibe. Yeah, you're a little gross. For the guys. When the ladies do it, it's like, oh, she's so classy. You know what, that's probably true. When the guys do it, you're like, all right, relax with the Armani suit.

Would you pick out an Armani suit? Or like, wait, you went and see someone and be like, that's an Armani suit. You couldn't pick that out. It just looks like a nice suit. Yeah. My latest suit is from Target, if that tells you anything about how much I care. I love it. I don't care.

I'm going to wear just a normal suit. So wild. Well, obviously, she won, which we love. love. We are all for her. This is what Spark terms like quiet luxury. Remember this? Yes. Because it was, you know, she was just not...

Is I'm saying she was settled? She wasn't like a catwalk. It was just... No. I should show up to court looking elegant. Yes, so beautiful. Yeah, I would show up with like a great style or a bunch of just cozy earth stuff on.

There we go. Because you just want to be cozy. That's true. You're in a courtroom a long time. I prefer to be cozy. Yeah. And you're not going to look sloppy when you're in cozy earth.

No, because like... Equality of the clothes. is so incredible. It fits so well. Like the look of it and you can wash it and it's shape and everything stays the same. And one of my favorite products is the bed sheets.

Made from viscose, from bamboo, and it is temperature regulating. I sleep like a king because of it. And our fans on Smart Money Happy Hour can get a sweet discount of 40% off when you use the promo code SmartMoney at checkout. So go to CozyEarth.com slash SmartMoney.

Use the promo code. Save big and live. your best, bougie, frugal life. I mean, 40% off. That's like a real good code. Yeah.

I mean, that's amazing. You're not going to find that just sleuthing around the internet. Yeah, no. So go and enjoy it, you guys. Oh, it's good stuff.

Good stuff. And hopefully you don't have to wear it to court. Amen. We pray that for you. Oh, man. Well, what do you think, George? Our takeaway.

I think America is land of the free and sometimes that means we are free to sue whoever we want for whatever we want. And, you know, it's both and. Just, God bless America. Yeah, I'm not a fan of it. And have you protect yourself, though, because I think there are ways with insurance.

Oh, this is a great. That is good. Umbrella insurance is something because it does cover bodily injury, property damages, all of it. So people with higher net worths and umbrella policy is great. We say once you hit a half million dollar net worth, it's wise to get an umbrella policy. So I did that. And what it does is it layers on top of your auto and home insurance to give you extra protection. So if you hit your legal limits for a payout, then a.

umbrella insurance would then kick in to cover the rest. Yes. And when you get a higher net worth, you become a target. Yeah. Yeah. You know? You know, going after Rachel is more appealing than going after a random stranger because well, Rachel's a public figure.

She'll likely have money and will be able to pay me millions of dollars. Good luck. Don't give them ideas, George. I have nothing. She has nothing. Well, you know it's actually smart and Dave has said this. Dave owns nothing. Everything is owned by an LLC and an entity.

Right. So Dave Ramsey, the person, owns very. little to his name. Yeah, there's a lot in small. And so there's a lot you can do as you start to gain to protect yourself if you, yeah, if you have a higher net worth. No, that's true. How likely are you to get sued for a financial gain? Let's talk about that for a second. It depends on your financial situation. Sure. Again, if you're a public figure, you've got a bigger target on your back than a random Joe Schmoe. Yeah. And those false claims will find their way to you. The good news is just because someone sues you doesn't mean all that much. You know what? My feelings would be so hurt. I think

Guys, don't hurt Rachel's feelings. If someone did it, it wasn't true. You're just like, oh my gosh, why would you do that? Yeah. I don't know. I just think there's other ways to, like, solve things. I have to get the courts involved all the time, you know? Just say that to them next time or if and when.

Yeah, if it happens. Just say, guys, do we really have to do this? Can I be friends? I know. Another one is your everyday risks. So if you drive long distances to work, travel, you participate in potentially dangerous sports, that will increase your risk. And then your profession.

social media manager, a writer, PR rep, all of that could affect it. Oh, that's a good point. If you're putting stuff out there, if you're a content creator, you know, all of that makes a difference. The more you're putting out into the world, the more wealth you build, the bigger target you have on your back. And if you own a small business, that increases your risk. Or a large business. It's estimated that 90% of all businesses are sued at least once throughout their lifespan. Oh, wow. That's pretty crazy.

Happening. Dang. So entrepreneurs, be ready. Make sure you're protected with the right. kinds of insurance. And make sure to chat with an insurance pro to make sure you have the right coverage. We've got a great network of insurance pros that we trust. If you go to Ramsey's Solutions dot com slash trusted, we can point you toward those resources. Love it. All right, George, before we do our guilt to use charge segments, what are we sipping on? This was and is the citrus paloma mocktail. The cost comes out to $2.42 per glass. We love an affordable

mocktail. It's got grapefruit, blood orange, lime juice, club soda, and fresh time. That's T-H-Y-M-E. I loved it. I think I make a nine out of ten. Maybe a ten out of ten. It really is hitting. It was really great.

I'm going to go eight and a half out of ten, and I'll tell you why. My one note is I think this needs a sugar rim versus a salt rim. Oh, interesting. I could see that. It just felt like it was a sweet drink and the salt detracted for me versus added.

Yeah, yeah, yeah, yeah, I can see that. Okay, but I love a salt rim. If it was more lymie like a margarita, I think the salt could work. Yeah. But I think because it was leaning sweet and a little bit... With the juice, it would go more, a little more... And with the bitterness of the grapefruit,

I think the sugar could help. Okay. One man's take. Wow. What a chef. But a great mocktail from the team. What a chef. Get the recipe in the show notes.

Give it a try this weekend. Your kids can try this one. There is no alcohol. You can always spike it if you want to be bad. You didn't hear from me. Not for the kids, for you adults. Not for the children. For you adults.

21 or older. All right, now it's time for 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. Ready, George? Hit me.

Is there a fashion trend that you were a little too obsessed with back in the day? Oh, gosh. The fashion police might sue me for this one. Yeah, this is good. Fashion trends. You know what you were just talking about

on a recent Instagram post was the puka shell necklace. I never fell for it. But the fact that people did is just so funny to me and that includes your brother. My brother had a puka shell necklace and a shark tooth necklace.

Oh wow. Oh, you know what? I got one that I'm guilty of. What is it? The deep V neck. Oh, the deep V. Yes, I forgot about the deep Vs. This was the early days of like urban outfitters.

Yes. Skinny jeans like the scene kids, you know, like kind of like emo punk. Yes, with the hair to the side. The swoopy hair with the deep V, and I was just able to grow chest hair, and I thought it was so cool. So good, yes.

And I thought, ladies will love this. They in fact did not love it. They did not. Yeah, never, that trend never came around. Glad that trend died. But there was like the deep V than the deeper V. Yes. American Apparel was really big back then,

if you guys remember that company. Oh, they still round? I don't know. I think they just like make just like blank teas at like wholesale. I don't think they're actually a fashion brand anymore. Yeah. Oh, man. How about you?

Any fashion trends that you fell for? You know what I did? And I wore my hair like this daily for like a long time. Was the poof. I had like the front poof? Yeah, it was like this thing and you did this, you know? Oh, yeah. But then I have a cow lick.

So mine would always go to the side. So then I tease the crap out of it to have it saying you just hair spray your hair. Oh, wow. Oh, man. But the poof thing was, I was big. Did anyone like it? Everyone did it. That's like how everyone was wearing their hair.

So you were just following the trends. Yeah, I'm falling for the traps. I tried to warn her. Yeah, I was the poof. I mean, the like Hollister, Abercrombie shirts. They're like the very, very thin. What's the alligator? Oh, that's LaCost?

LaCost polos. That was fancy. If you had that real money. It's like the polo came in to play. Like when I was like early college. You ever did the double? polo? No, but I've seen it, saw it.

The pop collar? Yeah, no, I didn't do the pop collar. But I did do like a cammy underneath with the polo, but you show the cammy and then like the jeans skirt. That was a whole thing for a bit. I did like the Panic at the disco like beanie with the flat bill on the end. That was a weird trend I fell for. I know.

I wore those little scally caps. You know those little like driver caps? I don't know what they're called. Little like Frenchmen wear them. I thought it was so cool to wear those. like a driver hat. Yes. Yes.

I owned far too many. In fact, I just found one that was embroidered with my last name on it from lids. And we thought it was so funny that my wife made me keep it. She was like, throw that away and I put it on. She was like, never mind. Keep that. That is hilarious. Oh, man.

Yeah. My girls have started doing scrunchies on the side of their t-shirts. I was like, oh my gosh, that's what I did as a little girl. Scrunchy? And you get like a scrunchy and you'd like do your t-shirt. Oh, that's cute. So, yeah, they're, like, doing that again. I don't know.

God bless the trends. I don't know. I feel like they can come back around the trains, you know. I mean, Ugs have lasted the test of time, I think. Crocs came back around. Crocs did. They've made a comeback, for sure. So there you got a lot of fashion trends out there that I hope to avoid.

I know. I'm getting away from skinny jeans. I don't know if you've noticed. Oh, really? Yeah, because you told me skinny jeans are dead, and now I'm going more like Chino. Yeah, this is like a good cut. More slim fit versus skinny fit. I like that.

I think that's good. And now when I put on the skinny jeans, I don't know if it's my dad bod talking, but I go, oh, no. Oh, no. This is too tight of a hug. It's like a being choked. And the girls, Christina Aguilera days,

the low rise, oh, man. Why? If you want to be with me? Man, and when she's like 15 singing that song and you're like, what are you doing, girl? Get back to the Mickey Mouse Club.

Don't be. Genium bottle and me. Yeah. All right. All right. Well, if you have a guilty-of-charge question, make sure to DM us at Rachel Cruz and at George Camel.

And if you love this episode, you're going to love money motives hidden and shocking true crime stories. I love this episode. You're going to enjoy it too. We'll leave a link down in the description. And make sure to subscribe because you don't want to miss an all new episode of. Smart Money Happy Hour.