Smart Money Happy Hour with Rachel Cruze and George Kamel - Generational Money Trends: Who’s Got It Right?

Episode Date: July 18, 2024

💵 Sign up for EveryDollar today to create a free budget! Rachel and George have a hot topic on the agenda for this episode: Are Gen Zers just millennials . . . rebranded? Trends, tech, money habits—they’re comparing it all to find out if there really is a clear divide or if it’s just one big generational blur. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 🎥 Check out this episode to find out what today’s teens are spending their money on. Offers From Today’s Sponsors This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to www.joindeleteme.com/smartmoney.     Today’s Happy Hour Special: Juicy Julep Mocktail Recipe: Completely Delicious   ·      1 ounce pineapple juice ·      1 ounce orange juice ·     1 ounce lime juice ·      1 teaspoon fresh mint ·      Ginger ale (to top off) ·      Ice   Instructions: Add ice, pineapple juice, orange juice and lime juice to a glass. Top with ginger ale and mint leaves, and stir to combine. Serve right away, garnished with fresh mint.   Listen to More From Ramsey Network 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey guys, it's Rachel Cruz. And George Camel. And this is Smart Money Happy Hour. Cheers, George. Cheers. That's great. A mocktail for the ages. That's a great one.

That's a good one. All right, well, this is the show where two friends who happen to be money experts talk about what you're talking about. So everything from pop culture, current events, and money. And today, our friend Rachel has a confession to make. Yeah. George, you know, I've been building up some tension towards a specific age group of people. around money-related issues. Why do you hate the elderly?

What do they do to you? The other side, George. And I think we need to talk about it. Okay. Well, we'll get to that. But first, we're sipping on a juicy julep mottail. Couldn't make that name up if I wanted to. That's just what it is.

And we're going to give you the rating and reveal the cost per glass at the end of the episode. And you're going to want to stick around for that because I am enjoying this one thus far. Yeah, this is a great one. Great one. All right. Do you know what it means?

for something to be blank, but in a different font. Have you heard of this lingo? Okay, yeah, the different font. I have heard the lingo. I don't think I've ever used it in a sentence, but... That's because you're a responsible, educated adult. I have heard the different font. It's...

It's basically, hey, something is similar to something else, but a little bit different. Like Coke and Pepsi. Yeah, you got Seinfeld and Friends. Chili's and Applebee's. You got Insink and Backstreet Boys, you know? Just like, yeah. It's just kind of a different font there.

It's their own. Or exactly the same. Either way, I think this describes the way you've been feeling, Rachel, about Gen Z in comparison to millennials. Is that fair? They're comparing us a lot. They're talking about our socks at the gym. Like, there's a lot happening here. Have you not heard this one?

Socks at the gym. Oh, yeah. I saw a thing that this girl is like, you can tell somebody's age, not like the wrinkles on their face, but the size of their socks. And they apparently having ankle socks is a very malicious. The old thing to do. And Gen Z wears high socks. It's like a thing. Why do they get to decide what's cool?

I don't know. That's why I'm so bad. Can I tell you? Who gets to say that that is cool or not? We're wearing your crocs with high white socks, not the vibe. And they do. And they do. And they get to make fun of us.

And we go, I'm a little bit insecure now. I know. Yeah. So I feel like they do throw shade as millennials. But they're also kind of obsessed with us. They love us. I am so obsessed with me Great one, great.

That's what I think of. Great, great music. Music's lyric. You sound like an alien from another planet who's like, I enjoy song much. Great music. Trying to relate. Great music. Great music lyric.

Well, Rachel, there's been some online dialogue about trends that Gen Ziers think that they started that actually are things older generations have already done. And they just give a new name. And they're like, you guys are so lame, you're not relevant. We literally invented everything you love. Yeah, they're like, okay, here's the new one. Ready? At home dinner parties.

AKA supper club? Yes, or casserole like dishes. That's like all we did. How about fellowship potluck? And the, what's the fellowship hall at church? Oh, yeah. There's a name, though, that a lot of churches use. What is it?

Oh, shoot. Instead of fellowship hall. Not a fellowship hall, but a... A gathering room? Yeah, I don't know. I don't know. But there's a word. And that's, yeah, that's what you do.

So basically, everything that's cool is something the Baptist invented back in the day. Yeah, that's right. It's finally cool again. Another one is cash stuffing. Like, oh my gosh, you can actually take cash out of the bank, put it in envelopes, stuff the envelope with cash, and you pay out of the envelope. And it's called cash stuffing. Or like, Dave Ramsey, envelope system, anyone?

We call it the envelope. Envelopes is so, oh no. So funny. There's nothing new under the sun, as Ecclesiastes says. Thank you. One of my favorite emo books of the Bible. So rock and roll. Everything is meaningless.

I'm like, yes. Yes, bro. What is this life we're living? So epic. You feel all that energy. Oh, here's another one. Loud budgeting. Okay, I do like this.

I appreciate this. I do love it, but I'm like, you didn't invent, you're just saying we should be on a budget and have some boundaries when it comes to money. Sorry, I can't go on your. your $5,000 bachelor's trip because I'm on a budget. And they're like, it's called loud budgeting. It's really cool.

So on trend. You should do it. And then Rachel was like, you should budget and like, ill. Oh, my gosh. Giving boomer vibes. Oh, my gosh. I'm already exhausted. So good.

Oh, my gosh. I love this though because I love... There is a weird thing about like the age that you're at. And when you're at the age, that the things that you genuinely bought when you were younger is cycling back. And it's weird. It is a weird moment where you're like... That's true.

That was fourth grade Rachel. Like, that was me. Trying to be cool or being cool. In any moment, you can feel super old or super young, depending on who you talk to. And then it comes all the way back around, okay? Broback trends. Yeah, okay. Let's go hairstyles, George.

All right. What's going on with the boys these days? I know, because I've seen them. They are like, they're back to this like. They look like Muppets. I mean, it's like the messier the hair, the bigger the hair. Yeah. The cooler it is.

Or like the long, like middle parted, swoopy hair like Sean Hunter from Boy Meets World, that's back. The big curly, like, kind of like, fro vibe. That's him now. I know. I said I'm a kid at church the other day. High socks, Nike socks. Yep.

Throwing the hair out. And it's just like, you know, and you're like, oh my, I guess that's the cool thing. But I'm like, I had the skater hair. I had the mop on my head. It curled after I wear it enough trucker hats. Oh, yeah. Curl on the sides a little bit. That's what you wanted.

Yep. For sure. And what about the girls? What are they doing? Okay. So the blowouts with the big, um, The wavy, not the wavy bangs, what are they called? The curtain bangs.

Oh, my gosh. It's very like 90s vibe. Like that, it's a, it's a thing. And what is your hair? Because you got a new hairstyle. You've been getting lots of compliments on it. I did. I chopped my hair.

I don't know if it's a style. Well, the bar of the, yeah, the shorter hair is in. But it always circles back. Yes. Like, I always just feel like it's long, short. Long short. Every time my wife cuts her hair, I'm like, now she's going to grow it out. And then she's going to get really mad.

And then be like, I need to cut it all off. and it's going to restart a cycle. Can I tell you, my sister-in-law, we went to the beach last week, and she has long hair, and she was like, I'm so tired of it, I'm so tired of it. I went up, like, before lunch,

and we were all up there. She took kitchen scissors and was like, I'm done. Cut her hair. It was, like, really intense. Wow. Crazy. So anyways. That's 90s.

All right, let's go back. You ready? I'm going to list some things that are back. Okay. This is like more early 2000s, which is when we were in middle school, high school? Yeah, middle school. school, early high school.

Okay. Claw clips, choker necklaces. Gross. Yeah, square cut, cropped 90s T-shirts. Is this like Britney, Christina, like, vibes? Okay. Sports jerseys. Never got that one.

Charm and beaded bracelets. Those are back. Is it like the Taylor Swift thing? Like the friendship bracelets? Yes, yeah, but even big and louder. Okay. Hoop earrings. Like J-Lo?

Yeah. Like just big, okay. Just some ear, yep. All right. Jordans. So, again, I feel like Jordans are always in, though, to a degree. Yeah. Butterfly.

Clip. What is that one? Compared to the claw clips. Claw clip is the big one. Butterfly clips are like these little... Mary Kate and Ashley Olson really started that trim for me. And then you take parts of your hair and you go up.

Okay, the biggest one that I can't get on board, you all ready? I think people can pull it off, I guess, but I just can't, like... Can't do it. Cargo pants. They're back. And for girls. Wow. I don't know.

I cannot pull that off. I can't do it. I can't do it. I'd like to see you try. The cargo pants. Does Winston wear cargo pants? No. Because it's back for the guys, too.

I know, no, no. If I wore cargo pants to work, I'd never hear the end of it. Yeah, car, yeah, I just can't. I can't buy it's back. I don't need that much storage these days. I cannot. Okay, are you ready for this one? Denham skirts.

No. I had a long denim skirt in like eighth grade. And I wore it with everything. And it was like the cool thing. And then, of course, you're like, oh, God, we can't wear the dump skirt. Was this like the Brittany JT era when they all were like denim all the way? Yeah, it must. It was probably around that era, yeah.

Oh. Man, and it, yeah. But you know what? That's one point for the Mennonites. So good for you guys, bringing a trend to the mainstream. I respect that. Oh, my gosh.

Oh, here's a big one. The tall, like, Nike socks. Yeah, so I was talking about earlier. The tall of the socks, the closer to God, I guess. Okay, is this one true polo shirts? Oh, yeah. No. Just the two button, preppy.

No, they're back. They're back. No. But not the doubled. You know, like we would double them. Yeah. And you'd have a white and then you'd have a pink. I'm glad.

I hope that trend is just died. I don't like the polo. Like, I don't know. I don't like it. I don't like, so that is back. That's the thing? It's back. And along with that is the loafers.

Lovers are back. Like boat shoes? Yeah. I don't know about sparries, but like nice loafers. Like, those are back. Yeah, I can take that. Okay, that's fine. Yeah, but that one's classy.

Yeah. I can appreciate that. All right. And then technology is a whole other realm. It's back. like coming back? It's coming back. Like flip phones.

People want like dumb phones now. It's like cooler than a smartphone. Is that true? That is cool. People are like wanting the flip phones. They want the vintage. They want the Walkman. Remember the Walkman?

Stop it. That's back. Don't you wish you kept some of this stuff? Microsoft branding and aesthetic. That's somehow back. Typewriters. Thanks Taylor Swift. Hot rollers and Velcro curlers.

Did you ever use those? Yes. I had hot rollers. Are those back? Those back? So is the curl like the, the hot roller curl it's back just the volumptuous curl

versus like the wave and then a stick straight kind of like what I'm doing is that my out? I think you're out. I don't think you're out. For short hair I'm fine. I'm getting a thumbs up. I get to make the call. I'm Gen Z referee.

They call me the Gen Z referee. But the end, okay, here's my question. Delays in the back. For the curled hair, the ends are curled and that's in? Okay, all right. They're saying Rachel, you're not hip. I'm learning, I'm learning.

along with the old school tech cassettes and CDs. Okay. Do you remember those? Oh yeah, I kept, I have a bunch still. I'm of the generation that we recorded live radio to a cassette tape to make our own mix tape. Yeah, you press record and play at the same time. Yep. And then you'd hear the DJ come and be like, this is, you know, Jammin'925.

I miss those days. I miss just the radio and you're just waiting because when the song comes on, it was special. It is like, it's like everything versus like Spotify. You don't just get to listen to it. time. I know, y'all. And then Napster showed up.

Oh, okay, I was not Napster. Which one were you? Caza. Oh, wow. Super illegal. Lots of viruses on the computer. Sorry, Dave. I was bad, yeah.

But, man. Yikes. Oh, this is another one. Digital cameras. Like disposable cameras, Polaroids, like Nikon Cool Pips. Those were like 10 years ago.

I took a digital camera on a trip with Winston after we got married. And we've been married 15. Okay, so 15 years ago. Yeah, because I had it in college. I had in college too, yeah. My parents recently, they moved out of our childhood home, and they're like, hey, we're not going to throw away this camera,

we're going to give it to you. And it was the Canon pixel. It was like four megapixels. And at the time, that was like, this is the best quality. Yes. I saw photos that were taken with it, and I was like this, looks like you were drunk with an iPhone. I got the one, and I can't, cyber shot.

It's this really skinny, big screen on the back with a little chit-ch-ch-ch-for the lens. What's a j-ch-ch-choo? Like a little cover and it goes... Oh, the little lens cover that flips open and closed. Yep. That was a big one. Even film cameras are coming back.

Like they want to go develop the film. They're trying to bring pain back into their lives because life is too convenient. We are so bored, Rachel. So funny. And even home design, vintage kitchen appliances. Oh, yeah. So fridges from the 50s cost like thousands of dollars online.

The smegg fridges, those are in. Smeg, I think is the brand. So funny. Quilts. We love a quilt. Love a good quilt. Love a good quilt. Like grandma's quilt, that is an heirloom.

Okay. And it's back in. Yeah. Grand millennial, that's a new vibe. That's grandmother meets millennial decor. Okay. I'm just here, I'm relaying the news. Okay.

I'm not, no commentary. I'll kill the messenger. I don't understand what that means. What does that look like? It's up to you to decide. Okay, thank you. Think hip grandma? Okay, grandma goes.

All right. Well, George, I think Data speaks for itself. So let's dive in and quiz each other, shall we? I'm nervous. I'm nervous. I'm nervous. I'm nervous. I'm going to come to each generation.

Where do these come from? This comes from a study done in 2021. So it's a couple years old. But it's recent post-pandemic from the U.S. Bureau of Labor Statistics. All right. I get to quiz you. Here we go. Okay.

Out of the five largest generational groups in America, so this is silent generation, boomers, gen X, millennials, Gen Z, which generation spent the most and least in 2021? Who spent the most one? Wow. The least, I'm going to say the silent generation. And then the most, I'm going to say, I'm going to say millennials. Oof, you could not be more wrong.

Wow, really? On the most, it was Gen X. They spent $83,000 plus. Okay. The least was Gen Z. They spent $43,000 plus. Well, there you go. I don't know if that's an income thing because they're younger.

They're getting started in their careers. Yeah, yeah, yeah. and have as much expendable income, but that's interesting. Okay. Go do another one. Which generation is known as the sandwich generation because they're having to support both. They're aging parents and their own children. Gen X.

Gen X. Yeah, Gen X. They're trying to support the kids, plus take care of their parents. That makes sense. Maybe that's why they spent the most. Because they're taking care of so many people. Let's give them the benefit of the doubt. What a selfless generation you are, Gen X.

Okay, maybe you'll get this one. Which generation were the second biggest spenders, spending just over $69,000? Millennials? Nailed it. Good. We know how to spend. We do. We invented it.

We love it. What is the number one biggest expense for all five generations making up 30% of annual spending? Housing. You got it. I knew you'd get this. I'm so smart.

You should take you a really random trivia night. All about generational money habits. All right, which generation spent more than any other generation on health care, food, and transportation? Gen X. Nailed it. Why, you're really getting it?

Man, I'm really on a roll. All right. Really on a roll. Okay, you ready for yours, George? Here we go. Which generation gave the most amount of money and cash donations and contributions? Boomers.

Gen X. Gen X is leading the way. I know. Which generation spent the most on education? I have to say millennials. No, Gen Z. What? I thought they were like, I'm going to be a YouTuber.

I'm not going to go to college. This one's a great one. Which generation spent the most on tobacco and smoking products? Gosh, I hope it's not Gen Z, but I want to say Gen Z. Boomers? What? I think Jin Z's like too healthy. I feel like cigarettes are like eh.

Well, I picture like vapes and... Oh, Zins and that kind of stuff. Yeah. Yeah. How about this? According to another recent survey, which generation saves the most? Ooh. I feel like millennials save the most.

Correct. Ding, ding. Because they've seen it all. They've seen the older generations. They're seeing the younger ones. And they're just like, I've got to be an adult here. That's right. Totally.

Which generation feels the most comfortable. about talking about finances. Gen Z. Yes. They're so open. So good. Which I do. Can I give a shout out to Jen?

It's true. There's not here to, you know, hate on any generation. But I got respect for Gen Z for being like, can we just like, I don't know, talk about things instead of. We're going to just say it out loud. Rushing it under the rug. I mean, they're talking about how much money they make. I mean, like, things that you're like, we'll talk about this much. But like, I won't tell you that part.

And they're just like, here's everything. It's pretty great. Pretty great. All right. last one, which generation is best, like keeping their financial and personal information confidential? I think it's the millennials. They're smack dab in that, like, we're tech savvy enough, but we grew up with technology and we know the dangers of it because boomers are just sharing their passwords in, like, an iPhone note somewhere with their whole family. And Gen Ziers are just like, it's fine.

Like, my life is with the internet. You know what I mean? Be with God. Be together. Right. Yeah. Well, you know what's funny, George, is that every generation, thinks that they're the best when it comes to finances. I feel like the boomers are like, oh, millennials spend so much on therapy and like all this stuff. Ice coffee and avocado toast. Yeah, the boomers are like, you know, ragging on us.

And then we can rag on the Gen Zers, George, you know. They're a lot of fashion fads and things they kind of fall for, temporary trends, if you want. Yes. So, yeah, I feel like we can be bitter towards them at times. And to be fair, the younger generations can gang up on the boomers and, you know, be like... You have fun living in your $1.2 million house that you bought in 1972 for $100,000.

And two blueberries. Why are you not still renting? You're throwing away money on rent. You kids don't work hard enough. We walked up a pill both ways. And we're like, it costs way more comparatively to our income to buy a house. That's right. I know.

So there's a lot of, we can point fingers all day long? Yes. But can we all just get along. I know, a little kumbaya. We can all learn from each other, too. There's a humble pill to swallow. Amen. We can all learn from each other.

And no person or any generation. has ever handled their money perfectly. But we've seemed to find our way back to the basics. So let's talk about some of these proven financial habits that we can all benefit from, no matter what the housing market, the economy, no matter your age, what do we do here? Yeah, I'm going to say one of them,

regardless of age, is being debt-free. So whether you're in retirement, when you don't have debts, then you have less money you need in retirement, not to keep up with payments, but just to keep your lifestyle afloat, all the way to, yeah, the Gen Z years, where I'm like, if you start off with no debt, it is powerful what your income can do.

So I think that's a big one. I think having goals is important of saying, hey, you know, money saved, whether it's an emergency fund or like funding retirement early, I think those are goals for everybody to have. That's good. And as I think through the generations,

I think they all experience different challenges. Like you mentioned with the boomers, they probably didn't save enough. They were relying on, you know, social security or a pension, and they didn't realize how expensive life would be at this point. and for the Gen Xers, they're trying to take care of the kids plus the parents, and that's all heavy burden to bear.

And so, like you mentioned, staying debt-free is one of the best ways to have margin to cover health care expenses or family or the kids or college. And for the millennials out there, they've been hanging on to debt for way longer than should be legal. And they think, like, well, I'm going to wait on forgiveness or some outside force to help me when the market's better. And I'm like, guys, you've got to just take control. Totally, yeah. And so regardless of your generation, it's up to you to prepare.

Yep. You know, it's funny, too, when it comes to all these money principles, whether we're talking about giving or saving, investing, debt-free living, all of it, I think each generation can have their pro and con with it. Like, I do think, you know, the Gen Zers, they are finding these old-fashioned trends to be like, oh my God, this is great cash stuffing and all of it. But they can also get caught, I think, more in probably the instant gratification, the hype of things.

Some of the get rich quick, some of the new trends like crypto and, you know, investing apps. think we can be sour at times of like the student loan stuff. I feel like we were the generation that really felt the student loan debacle happened. We really did. And we can be down on that. But then I also think that we are coming of age of like, okay, like we have to be serious about this, right? So there's like a seriousness to it.

You know, Gen X, the boomers, all of them. I think every generation has pros when it comes to these, you know, money concepts and some cons where there can be some either like pride or aloofness or close-mindedness. whatever it is. Or just the financial challenges. The housing market has been crazy. And so if you're Gen Z, you're millennial and you are dreaming of being a homeowner,

it's harder to get in. It's easy to get cynical there. And so get in when you are financially ready, which means you're debt-free, you've got the emergency fund, you've been saving that down payment. It might mean you have to change where you live, what kind of house you get for your first home,

increasing your income, making sacrifices. But I just want to encourage all the generations that, for the boomers, you can retire with dignity. There's still hope. For the Gen Zers, can enjoy your life and you don't have to wait 35 years to hope that you have enough in retirement.

All of these things are possible. And the Ramsey plan is the best version of that that applies to everyone. For sure. And doing a budget regardless of your age. And so if you've not downloaded every dollar, you guys, make sure to do that. You can actually start a free budget online. We'll put a link in the description so you can check that out. But yeah, these things are great, George.

I think it's great. And I think, again, every generation can learn from the next. Yep. And in every generation, there's some duds and there's some amazing ones. So there's some Gen Ziers I've met who blow my mind. They're like 16 years old and they're making $60,000 a year with side hustles. It's crazy. And there's some generations that I'm like, listen, this is on you.

Like at some point you have to take responsibility for your own life and you can't just blame outside factors and other generations in the economy. At some point, like we've got to stop playing the victim. All right, George, if you weren't a millennial, what generation would you pick to be? Oh, my gosh. I think I'm inside a secret boomer. I love like just getting to be just like, meh, and like you can get away with it. Like, I'm excited to be an old guy because you can just be kind of crazy. Yeah.

And they can be like, oh, that's grandpa. Look at him. He's pretty wild. He's got some stories and he's zany. But I like that curmudgeon sort of like. Yeah, yeah. Seinfeld, George Costanza. I like to just complain about things in an entertaining way.

Yeah, that's good. That's part of being a grandpa. That's good. How about you? Admit it, Gen Z. No, I was going to say Gen X. What? Yeah.

I think I'd be a Gen Xer. That's our friends, Ken Coleman and Dr. John Deloney. Yeah, put me like, put me 10 years later than where I am. And I think I'm good. Why is that? Is it just a wisdom and maturity and just sort of like, they feel like a non-drama generation? That's true.

Well, it's why they're often forgotten. They're like, we go Gen Z, millennial boomer. And they're like, we forgot about us. Yeah, there's like a whole generation. I don't know. I could go there. They don't make as much of a ruckus. They're just doing their thing.

Yeah, just like me. Low drama. Low drama. I have no, no ruckuses. Wow. I'll drink to that. Yeah. That's so funny.

All right. Well, George, it's almost the end of the episode, and we close out every episode with Guilty as Charge. And this is where our producer, Lindsay, gives us a new guilty-as-charge question every week. And if we are guilty, we take a sip. So, Lynn's? All right.

Do you use a Genzi phrase that you pretend to hate, but you secretly love? Oh, my goodness. All of them? Can we just admit that Genzi is so creative? They have great sayings. Very creative. I say things and it makes everyone around me cringe,

which I think is a millennial term, cringe, that sound not cool. I think the most playful, fun, like even with my girls, I'll be like, okay, Queen, I've started using that because of Ibu back there. A resident Gen Zincere. Queen, I think, is a funny one. But do you have one that, like, you'll joke and make fun of someone else for saying, but really you're like, I love that. Slay.

I would never use it. Sleigh. But it's great. I'm like, that's a good, like, yeah. It's a good one. It's just short, quippy. Like, it says a lot by saying a little. I wish I knew more.

I can teach you. I know. I feel like I could learn more. What are other ones? I love Riz, personally. Okay. It's something I aspire to have one day. Riz is good.

But they're like, you know, he's got Riz. He's got that Riz. Yep. Rizert of Oz. No. That was the grandpa and you. What's yours? What's your favorite Gen Z saying?

I don't say a lot of them, but the one that I think I wish I use, because I think it's so funny, is the main character energy. Oh, I do like that. Oh, that's good. That's good. You know what I use a lot is it's giving. It's giving. I don't know if that. Is that still Gen Z?

I hear it so much. I love it. And I like the motion with it. It's giving. It makes me laugh. It's vibing. Like a vibe. Well, here's where it is.

It's a vibe. Here's a full sentence, Rachel. Is that thing? Oh, it's very vibe. Like, it's giving that vibe. It's giving that vibe. I'm going to give you a full sentence that will blow your mind. So here's an example.

Every dollar is low-key goaded when budgeting is the vibe. Was that accurate? What does that even mean? I got a cringy back there. How about this? That's a real thing. Okay, Queen, you paid off all your debt? That was good.

That was good. That was good. That was good. I mean, no cap. I don't like saying it, to be honest. No cap. Wow. You invested 15% of your income.

It's giving, like, mature vibes energy. Nope. No, you don't get to give her that. I get both. I did too. It's giving mature vibes energy? I gave three. I'm dying.

This is good. We should do all money saying. How is she not cringe, but everything I say is cringe? Um, okay. What's the skibbitty one? I don't like the skibody one. I don't like the skibody one. I just paid off my car.

go off girl Pop-off I think it's pop-off Or pop-off queen Everyone's dying I just want to see the top Isn't that one? Go off girl

Yeah I do like king Like just say Is it king or just like king Energy? Like if Winston Like he like mowed the lawn We're just like king

Right? Is that how you do it? All right It's so good Oh my gosh You don't have to make it a throwaway line The more effort you put in The less cool it is

I'm just trying Can't give me I'm trying to I'm trying, this is what I've learned. This is me teaching you. Okay. I have a challenge for you. Okay. Next time you're on the Ramsey show, you have to say one of these.

Oh my gosh. What if I said, okay, queen, on Ramsesians. I would die. I would die. We could only say that here. I know. I think you could pull it off with the right person. Who?

If it was a younger person. Maybe you can say that's giving. But don't you say a word after giving? It's giving what? Yeah, it's giving and you just say one word. I think the more words you say the worse against. You say, you go, girl. that's giving.

You go girl? What do you, Shanaya Twain? Let's go girls. Let's go girls. I'm thankful to not have to keep up. It's exhausting. I don't know who keeps the rule book or the Webster's dictionary.

The one word I learned. This was like my first trendy word of the trends that I didn't use. And I learned it late. And then I used it. And then all the girls were like, I think it's out. Chugi.

Oh yeah, that's way out. But everyone says it's out. But I'm like, Chugie's a great word. Like, I get it. Like, it's great. I'm gonna keep using it. You're just like a,

you're the Baptist church of millennials. You're a little bit slower to the punch. And by the time you get there, we've moved on. It's like, I'm glad you got a drum set in your congregation. Yeah. But we've moved on.

We're moving on. I know. We went electric drum set now. Oh, so good. Well, George, I think we are. Oh, hit me. Sorry, I'm interrupting you. What was one word when you were,

younger that you use that obviously we don't say anymore but like was the cool thing that oh my gosh that I feel like those would be inappropriate it's off the chain oh off the chain I always said shut up but I still say that that's what you're shut up you probably told me to do that multiple times today

but I don't think it was in a fun way I think it was like shut up you're such a great dad I don't think that was the tone but I appreciate that yeah that's a good one oh I'm from Boston so we used to say wicked in front of everything bro that's Wicked sick.

Or like Heca. Do you remember when they would say like, that's hecka cool? Heca. Heca. Heca cool. That's why just the Christians. Yeah. Heca cool.

My mom truthfully thought silly was a swear word because she was so like sweet Arabic. Oh, funny. So I said, Mom, you're so silly. And she was like, oh. Josh. Josh. And I was like, mom, that's a normal like, that's not even a bad word.

Funny. Funny. Oh, my gosh. So, you know, culture's different. The times have changed. They have changed. Things we say today, I'm sure, we'll be not cool tomorrow. For sure.

For sure. Even episodes of The Office. You're like, oh, gosh, they can't do that today. Oh, I know, right? Friends. I watch some Friends episode. I'm like, yeah, that, like, people would not fly. It's not PC.

But back then it was. It's crazy. Wow. Keep up. We're here to keep you relevant. Okay, George. So who finished their drink first? I think we're about on par.

Mm-hmm. And I got to say, this mocktail, it hit. It was fantastic. It hit. This is called, can I find the exact name for you to make you happy? We'll never find it. Juicy julep mucktail. Who came up with juicy julele?

Is that, if you Google juicy julep, will it pop up? Pinterest. Didn't know Pinterest still existed. I thought that was chuggy. Okay, I'm going nine. Oh my gosh. Pinterest is chuggy. I'm going nine out of ten.

Wow. I really liked it. I'll give this an eight out of ten. I thought it was really good. I wish it had a little more maybe fizz to it. Yeah. Some bubbles, but nailed it. So, congrats to what was in it, George.

Eboo. It's got pineapple juice Orniz juice lime juice and ginger ale So great, you gotta get the balance right It can't be too sweet, too sour This one hit And it's 94 cents per glass

Look at that Under a buck And it's family friendly So great Make it for your kids Yeah We'll leave the recipe Oh I forgot fresh mint

Oh yeah of course It's been muddled with fresh mint If you wondered what's the green stuff in here So if you don't like mint You know that's fine But have some class Add some mint Add some mint

Get the recipe in the show notes. Give it a try this weekend. So great. All right, it's closing time, George. And if you enjoyed this episode, make sure to subscribe, leave a comment. You know, leave actually, leave a comment of your favorite Gen Z phrase right now.

I think that's fun. Yeah, and if you have kids, the thing that you say back to them, they're like, okay, now you ruined it for me. That's right. There's always those. So good, so good. So make sure to share the episode, you guys,

and with your friends and family because it helps spread the word. And we're so thankful for you guys. Thanks again for watching and listening. And we will see you next Thursday on an all new. episode of Smart Money Happy Hour.