Smart Money Happy Hour with Rachel Cruze and George Kamel - Ick or Sick: We Judge People’s Financial Drama

Episode Date: June 4, 2026

💵 Create a free budget and find more margin with EveryDollar.   When it comes to your money, it’s either, “Dude, that’s sick!” or “Major financial ick!” Today we’re telling you exactly what we think about your financial habits using the latest Gen Z buzzwords.   Next Steps: ·   🎙️ Catch our episode Judging People Based on How They Spend Their Money. ·   🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour ·   📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.    Connect With Our Sponsors: ·       Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Cherry Basil Smash Recipe by: BevsByBeverly ·   6 pitted cherries  ·   3 basil leaves ·   .75 ounces fresh lime juice  ·   1 ounce simple syrup ·   2 ounces gin ·   1 ounce soda water    Instructions: Start by adding cherries, lime juice, and simple syrup to a cocktail shaker, and muddle to release as much of the juice from the fruit as possible. Add basil leaves and gently press. Pour in gin and fill with ice. Shake until cold, then pour into a glass. Top off with ice, soda water, and garnish.    Explore More From Ramsey Network: 💰 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

It's either dude that's sick or major financial ick. Today we're telling you exactly how we feel about your financial habits. I lied about my income on the first day with my girlfriend. Is that what we're doing now? I received a $40,000 inheritance before we got married and never mentioned it. You know what, I did in Mexico. Have I told you this story? Hey guys, I'm Rachel Cruz.

I'm George Camel. And this is Smart Money Happy Hour. Cheers, George. Cheers. Oh, very refreshing. 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 let's talk about what we're sipping on to start.

This is a cherry basil smash. Delicious. Would you say it's wicked sick? Wicked sick. Oh, both together. Oh, no, wicked. Ick and sick. It's not ick.

We have so much to teach Rachel. We have bad attention. Well, hey, by the end of this episode, we will teach Rachel all the buzzwords. and we'll give you a rating and reveal the cost per glass of this delicious drink. Stick around. Oh, man. All right, Rachel. By now, we've spent enough time with our Gen Z co-workers.

Most of it, we've learned against our will. All of the words. We know what ick means, but do you also know that sick is a positive term? I did. And did you know that, like, I'm dead. I am dead. Oh. Dead.

With a skull emoji. It's my favorite now. I just started adopting it like two weeks ago. You don't even need to say it now. You just do the skull emoji. I just do the skull. It's in my favorite emojis. You know, when you like get to your text messages, your emojis,

it's like the ones you use a lot. The skull is in mine now, because I'm just like, dead. You're so on trend. I know. But it's not the ones with the crossbone. No, they can't say dead. I don't do the crossbone. I just do the, just the school.

Don't they say, they say unalive. What? Yeah. We can't say dead. You can do the skull emoji, but you can't say dead. No, that's a jinzy term. You can say dead out loud, but in text on the internet. No, I don't say the word dead.

I use the skull. emoji, which means dead. School. Not alive. We got there, guys. You can say dead as a text as a... You can't.

It's illegal. No, it's not. Genzi makes the rules. George. It's the law. George, stop it. Support me in the comments. There was an incident

on the playground. I will not give names. And a teacher had to email and said that there was a mole on one of my kids' playgrounds at school.

You mean mole is in like... Like a little rodent. Okay, I think you know like a And he became a, and he, like, there was a mole given, you know what I mean, like a mole as in like a spy. Oh, no, gosh, there's a lot. No, no, there was a critter. Okay. And in the email it said there was a mole on the playground today that was unalived.

See? So she had to like let the parents know. That's amazing. She used unalived. Yeah, but there's all these like terms that they use. Yeah. There was one and I'm trying to think. Gas, fire, cooked.

Okay. My son, Charles says cooked. I'm cooking. That's what he says. After he like shoots a basketball. I guess. I don't know if he uses right. But hearing a six-year-old say it.

So he is syncing those threes and he's like, Mom, I'm cooking. He's like, I'm cooking. And I'm like, this is the funniest thing. That's adorable. Because there was a term that I picked up that I really liked and then it was out. Not boogie. Oh, oh. Chewgy!

Chuggy! What a great word. Oh, Chuggy's out. But no one uses it anymore. It's too. But what a great description of what it means. Yeah. It's like one of those words that you're like, oh, that makes so much sense now that I know it in terms.

But no one uses it anymore, so I'm done. But I liked it. You combined them all. Do you ever say wicked sick? Well, as someone who was born in Boston, that's all I heard growing up. Wait, stop. So go. If anything was...

Give me a example. Oh. Dude, that Red Sox game was wicked sick. You catch on on friggin' fox, dude? They all talk like that. They all talk like that. Give me a Boston. accent. It's so great. It's so heartwarming. It's so fun. It's kind of intimidating. Yes.

When you hear in New York, New Jersey, you're like, I'm not going to mess with you. You know what I mean? But you know the truth? The people of Boston are some of the warmest, kindest individuals beneath the hardest exterior. That in an Italian, put it together. That's a good one. Now that's fun. But you know, the South is the opposite. Soft, kind exterior, mean interior. Just cruel, bitter. Gossipy women. They just Bless her heart. Unbelievable. A lot of bless her heart energy in the South. Tina's having a hard time with her marriage.

Greg has not been a great husband. So we need to pray for them. You know what I mean? Is that? You're like classic Southern Baptist right there. They'll just tell it to you raw. Yeah, Tina. Friggin' Greg's cheating on Tina again.

Get along with this guy. They don't put it in a prayer. They put it in an announcement. Oh, that's fun. In the pub. That's fun. Well, I need you to help us understand what ick really means.

Yeah, it's like a... Like a turnoff? Yes, great. That's it. Yes, it's like a... Ugh. Oh, gosh. Like, I saw a video...

He's a grown man in an indoor trampoline park. Probably, like, with his kids and stuff. Oh, no. And his wife videoed him, and he's... You know how the trampolines are, like, right next to each other,

but you have to jump over the little, like, padding. Oh, yeah. And he was hopping? And he's, like, jumping in his... And his knees, like, are going so high up to, like, make it across. She's like new ick unlocked.

That's incredible. It's just like the, it's like the most ridiculous, it's like a person, a grown, usually a grown man doing something that you're just like, oh wow, that just looks terrible. Like I just, I don't like that, you know. Yeah. Well, I experienced one of those. Like Whitney felt the ick towards me. Stop it. Pretty recently.

And I was kind of shocked. Yeah. So my brother, very kindly, got us a Nintendo Switch 2 for Christmas. Very kindly. As a gift to both of us, mind you. So, like, great, we're going to play Mario Party. Like, all the stuff we played growing up, you know? Mario Kart, just good times.

Sure. She has yet to play. So I go, well, I'm going to play. So I download my favorite game of all time, Tony Hawk's Pro Skater. And I'm going to town. I beat this game in a weekend. And I haven't played it since, okay? But she walked in and she was just like, oh, ew.

Ew, no, no. Okay, does it have a remote control? What's it doing? Is it little or on the TV? It's, you know, it's a, I bought a control that felt like the old PlayStation ones. But you're looking at the TV while you're playing? And are you like moving with it? I mean, you're going for it.

Because that is, that would be a hick. Yeah, if you're like in it. I mean, I wasn't standing up, you know, in the TV. And you're like having to move around. But I was focused. I was intentional. You're in character. Yeah.

Like Tony Hawk. She wasn't having it. Not having it. Do you have one for Winston that? I feel like Winston's like Chuck Norris. Like he's never done anything on Manly. You know what's funny? He got it.

Is he going to hate that you shared this? Yeah, I don't know. No, probably, he's actually probably proud of it. He got a new red light. Like the red light therapy stuff is like all big. No, it's like a box. Oh, just a box that, okay. But this is like a panel.

And it was actually kind of expensive, you know, but he gets us all of our health stuff. He's like into the sauna and all this. And he wants to get like a good version of it. He doesn't want to just stay. Yeah, and it was nice. And I don't mind spending it. It's fine.

But I do laugh now. It's only been like four days. Y'all every time I walk into our bedroom, though. Our bedroom number one of red light is coming from the corner. And he has some different body part against the red light. His foot, he like had his foot up at one point. That's amazing. So yeah, he is like all into the red light therapy.

And he swears it helps. He's already like, my cells are turning over. He's like, I am. What is it? Like inflammation? Yeah, all of it. I don't even know the science. I haven't looked it up.

But he swears for it. No, I have a red light therapy mask because it's supposed to help with fine lines and wrinkles. Yeah, that one's still frightening. If you walk in a room and someone's wearing that. Yes. Yeah, yeah, yeah. It's very Jason vibes. It is.

It looks like a hockey mask. Yeah. No, but him and his red light now, y'all, and it cracks, it cracks me up. So I guess an ick, but it just makes me laugh that a grown man is like, has his calf up next to it. You know what I mean? You're just like Winston. So, yeah, that's funny. Poor guy. Winston, I hope you live to a hundred.

But you know, his metabolic age, he's doing all of his blood work. He turned 40, so he's like, he's like one of these, like you hit 40. Kind of a midlife crisis. I'm just going to be healthy, all things. and he's like 31 in his whatever his age is yeah who tells him that you did like blood work and he even got one of those um things that you prick on the back of your arm to see insulin because you want to see yep you want to see when your blood sugar spike so you don't have crashes throughout the day so you can kind of like see what your body all this stuff monitoring his levels my gosh

god bless him it's like he's 80 he's a good looking 40 he'll he'll look good at 80 that's the goal he actually looks great you should be thankful i'm not i'm not mad he's looking good I think we both have gotten better looking as we've gotten older. You and Winston? Uh-huh. Do you feel like that with you and Whitney? I look back on pictures of me and I'm like, oh man, I wish I knew how to like, yeah. Yeah.

Do you think part of it was just the style was like didn't, you thought it was on trend and looking back? You're like, oh. It's like so, maybe so. Yeah. I don't know. Now I think you guys have had a glow up. Do you look back and you're like, you figure out like the right way to style of the hair. Like I think you're probably a better looking guy right now than George with like the big hair down the side.

Yeah, Whitney helped me. You know what I mean? Yes. When she started dating. She was like, hey, you look fine, we can do more with this. You know? I agree. That's a good goal of like the older I look, the better I'm going to look, right?

Yeah. And not like crazy. You want to age like fine wine and not milk? Yes, that's our goal, George. All right, all right, we're back. We're off track. We're off track. Here we go.

All right. So our team has collected some controversial money behaviors from the Internet, which we love. And all of these have been classified. classified as financial icks by some, but they're not all black and white. You know, there could be some that we're not necessarily. Some gray area. Yeah. So we're going to do a kind of like a little contest, George, as we name them out. Oh, that's fun. It's either going to be an ick. So we have a little paddle here with a red thumbs down or a green thumbs up. So Ike is a no, but then or is it sick in a good way? Wicked sick. Wicked sick. Like, yes, we are all for that. So we're going to read these. scenarios and we're going to judge. And let us know in the comments what you think, if we're wrong

or not. You're never scared to let us know. And I appreciate that about you guys. That's right. Here, you read the first one. Okay. I was put into a group chat unknowingly and suddenly we're all booking hotels and plane tickets to the tune of $2,500 per person. Can I just ghost and leave the chat quietly? What? Put into a group chat unknowingly? I think that's sick. I think you can. 100%. Wicked sick. That's wicked sick. To leave. the group chat. Well, ghosting is the that's the operative term here. Yeah, but you were put in the chat

unknowingly. You were not asked to be part of it. It was probably a big girls trip is what I'm assuming. And I'm sure Anna was like, I thought this was like, at her and like, sharing like the war details. Like I got added to the group chat. I wasn't even supposed to be in this group chat. My bad. Oh my gosh. No, I bet it was like a big girls trip

and I bet Anna was like, oh my gosh, I'm going to text 10 girls to go on this big fun weekend trip and and what's her name? Who's this person? Do we know? No one knows.

Who do you think this is? You think it's at Anna? No, I think Anna added her. Oh. She would be a... She a Kelly? Kelly, yeah, that feels right. Kendra?

Wow, Kendra. I think Kendra's in the group, but she's not leading the group. Okay, yeah, so Kendra gets added and Kendra's like, what am I doing in here, y'all? I think it's an alley, not an Anna. I think Ali started the group.

Allies are more aggressive. Do you think? Yeah, I think Annas are a little more behind the scenes. Okay. Anna's are more kinder. Allie's a little, yeah, okay, I'll take it. Fine. Change on my names and my fake scenario, George.

I'm just, there's power in the name. Let's get it right. That's an ick. What about Allie was A-L-L-I? More aggressive than a Y? Ooh, that's the ultimate. Okay, so we got Allie texting a group of girls and Kendra gets put in. And Kendra's like, wow, Allie.

I wasn't even asking for a girl's trip. I'm not going to respond. I'm just going to leave. Can I say this, though? I would probably text Sally on the side. Yes. Thanks so much for including me. Not in the budget.

I don't have, or the schedule's not going to work out. But y'all have so much fun and send me picks. So we're not envious. I do think that's where I go. This is a... You include in the excitement. It's a wicked sick,

but with a caveat that I think she needs to learn how to deal with some conflict. Okay. You know, just feel a little more... Just speak up. Yep. But I do like this side text. I wouldn't just leave quietly.

I would let Allie know and have Allie remove you from the group and say, hey, like, Kendra can't make it. Okay, would you secretly, though, not want to be removed and see all the banter and, like, see what happens? If something happens, you're like still in it. I want to stay in the group chat. I want to say me to do. Put it on mute, but I can always check in. Me too. That's it.

Okay. It's more fun. So don't ask to be removed, but just say I can't come. But y'all have so much fun, send me picks. Perfect. That's healthy. We're going to be excited for people, y'all. That's part of the gratitude.

You're also assuming this is women. This could be guys. Fair. I jumped to women. But I think you're right. This feels like a girls' weekend vibe. I'll tell you this. Never been invited into a group chat with a bunch of guys saying, hey, let's go on the trip.

I know. Usually doesn't happen like that. That's true. All right. Next. My husband and I have a rule slash boundary. Anything over $200 requires a quick text to the other. We both agree to it.

Agreed to it. So I thought it was normal But our friends think it's controlling Oh Wow Okay So is she Is this an ick that they have this

$200 text requirement? Yeah Okay I mean no I don't think so I will say $200 Doesn't go very far Like if you're a family

Like that'll be like a grocery run So are you supposed to text Every time you go to the grocery You know what I'm saying? Yeah they may not understand Maybe it's not just like groceries, but it's sort of like an outside of the norm purchase. Yeah, it's not like you're buying a sweater at Target for 40 bucks that you got to text on about. That would be controlling. But I can

see 200 and depending on where you are financially, I think a dollar amount is good. And for them, if 200's what they both agreed on, I'm going green. I'm okay with that. Well, Whitney just text me today because she was like, hey, I'm buying some things from J. Crew Factory. It's more than we budgeted for, but I'm going to return a lot. So she always says, I love Whitney. And to her credit, she does. So she'll spend 500 and get back 350. You know what I mean? So it's like by the end of the month, you're all squared up. You're all fine.

But she doesn't want me to see the transaction and go, oh my gosh, was this fraud? Yeah. Which I appreciate. So it's not a controlling thing on my part that I'm going to smack her down and say, no, you don't get to spend that. Right, right. I appreciate that she's letting know.

It's not going to know. It's not going to know. That someone has robbed our account. It's just me. Yes. Yeah. Fair. Thank you, Whitney.

I love that. Whitney. Love her. Love her. Well, I know one thing that. is normal, a conversation between Winston and myself, is talking about internet safety, and that's where Delete Me comes in, because Delete Me actually goes into data broker sites and removes your data because you guys don't realize how much your data is out there.

Like all the forms you fill out online, like anything you fill out can be sold. And for some of us, you know, you click some of the stuff, you don't know what you're clicking, and your stuff can be sold, taken to these data brokers, and then again, it keeps moving and moving through company through company, and you get texts and emails, and they have your home address, your kids' names, like all of this. So, again, getting your information cleared from data brokers is huge in today's world. Yes. If there's one thing I could do less of, it's all the spam in my life. And so Delete Me has helped to calm down all of those texts and emails and phishing attempts that happen. And they even send you a report showing you what they've done,

what they've removed you from, how much time they've saved you, which I so appreciate. One of my favorite things to check in on. Yeah. And see where my info is not. See all the hour stayed. I know. Yes. Over 100 already. Okay. You know what? I made what I made a mistake. My delete me stuff like about probably about two or three months ago. I wasn't getting the reports and it got stuck in a spam folder and it made me so sick. Because I was like where is it? The irony. And then I found it. I know, I know, but I found it. I was like oh, there it is to show all my hours and stuff. So I'm back on track. You got to mark them as like a known sender. I know. I know. But honestly, it is so worth it. So check it out for yourself. You can get 20% off

their annual plans at join deleteme.com slash smart money. We'll also drop a link in the description. All right, back to our financial ick or sick. Here we go. I told my friend dinner was on me. Internally, I expected her to pay next time or Venmo me. She didn't. I'm quietly resentful, but never said anything because I said it was a gift. That's on you, girl. That is on you. That's an I. That is like not true generosity. I'm giving to expect a return. You already know when you said I told her this. Yeah.

I expected this without ever saying it out loud. Now I'm quietly resentful. This is all inside of you. Yes. This is a poison you drink. That is not her problem. That's not her problem. You presented it.

So, yeah. Yeah, we can't be doing that. We don't give with any expectation. I think that's where you go wrong with giving. 100%. When you expect to return, or something different. Just say this next time.

Hey, I don't mind grabbing this one if you want to grab the next one. Easy. If that's right. If that's what you want to happen. That's a great line. Say it out loud. So casual.

But just say, hey, here's what I'm thinking. Yep. Or you just go, we'll just get our own checks if that's cool with you. For sure. Because I have some friends in my life

that I do think genuinely are like, oh yeah, they're happy to be like, oh, no, I'll just like, if we're all ordering coffee at the airport. I don't know or something. Yeah. They're like, oh yeah, I'll grab it.

And they really have no expectation. They don't say like, just you guys can Vemone, well, that's a clear sign they want to be paid back. And that would be okay. A hundred percent. There's nothing wrong with either scenario. But I think I do have friends that, yeah, they will just like, yeah, take care of something. They're like, oh, yeah, they genuinely don't worry.

If we get an Uber together or something, like, oh, I'll pay for it. It's not a big deal. You are the friend that will go, guys, I'll get it. Well, I, no, no, not always. But I then, in turn, clock it, though. So if someone does do something for me, I do think about it. Because you want to repay the kindness. I do, yes.

guilt. No, no, no, no, but I am like, okay, they grab this. Because I am a little bit more like, I want to make sure it's fair. I do want to make sure everything's fair, especially if you're on a trip, we're just talking about girls trips. And someone keeps like, oh, I'll get this, you get the next. And in my head, George, I do think, okay, but if you're getting this, you're getting Starbucks coffees. And then the next could be like cocktails. You know what I mean? It could be like $200 at dinner. Yeah, like, how are we? But there are some people that just, they're not worried about it. They are good. They're not doing the math. Yeah, they're good. So I want to be more like that

I think you need to find friends who are not doing the math who are just kind of you know what I just feel like being generous I know I'm telling everybody do not be my friend you would be a friend that does math

but I'll be the guy who's like you know what guys I found a 20% off coupon so I just saved this all so much money yeah yeah but this whole scenario I'm going I'm going yeah you can't secretly have that expectation nope all right next we decided

to leave significantly more money to our daughter who is a teacher than our son, oh, who is a software engineer making $200,000. Our son was blindsided. We thought it was obvious. Oof, that's the ick for me. And it's a tell when they say we thought it was obvious. Oh, I know.

I am such a, I am such a socialist when it comes soon. You're like, must be fair and equitable for all. I do. I'm my mother. My mom wants to do that on Christmas. We all get a check for the exact dollar and cent that she spent. between everyone. We call it socialist Christmas. Like, it is even.

Like, everyone is even. And I feel that about inheritances. That issue just like, if you can, just split it all evenly. It makes the most sense. Yes. Each child, like, regardless of, yeah. No, no, I'm saying that in like a broad stroke.

Like if someone is like destroying their life on one end, you're like, oh, probably don't want to give them that. Like, I'm not saying that, but just like. Barring any misbehavior or addiction. Yeah. Yeah. Especially when you leave it. inheritance-wise, don't you think?

Yeah, I can't imagine leaving more to my daughter than my son because my son has a more lucrative career. Because your son could lose their job because of AI and he can make, you know what I mean? Like, I mean, who knows? I don't know. With the kids. If you did it right, your wealth when you die is just like an extra blessing to your kids.

It's gravy on top. It's not the make or break. That's a great point. Whether or not you're going to like own a house. Yeah. You know, hopefully I die late enough that my kids are well enough off. on their own. I've taught them good principles. And we know that teachers can and do become millionaires. Yes. Even on teacher's salaries, quote unquote. And software engineers can spend

like crazy and be broke later in life if they're not careful. That's right. That's right. Yeah. Yeah. But I'm not going to punish a kid for being successful, basically. Do you know what I'm saying? By giving them less. Well, and then it makes him resent the sister when she didn't even do anything. Do you think are yours in the parents? Both. Yeah. But now he's, you know, when the sister gets the inheritance, or she's going to be, you know, he's going to be resentful toward her going, wow, I can't believe it. I know. I'm with you.

I think it's even. I mean, I'm going on a third, a third to third third. Yeah. Because that would be like, okay, if so-and-so has seven kids, they should get more than so-and-so who's single, right? You know, rank them by income and net worth? Yeah, net worth, income or needs versus not. I'm like, no, like, y'all, like, every life is different and you all get me. You get the same.

You get a third of me, everybody. Amelia, Charles, Caroline, you're going to be okay. You should get a third. No one's going to fight. That's right. Unless you're going to give an extra quarter to your old pal, George. Oh, George is going to be written in the will for sure. You know who asked for that was Winston Cruz.

Can I tell you, that is my dark fantasy that some random person out there is like, I just like him. You know what, let's put him in the will. Let's just throw him a buck. Not because I need the money just because it's nice to be invited. And the best would be if it's someone so random, like the guy who founded Waffle House. And somehow, he's like, I saw George Cameron. I'm on the internet and I made me laugh one time and I thought and you thought I'm gonna give a million bucks yeah like I don't like my kids that much I like that guy though yeah let's

swap him out you know I think some of the best stories are these like you know multi-millionaires or billionaires and maybe they have kids or not but they like leave half their fortune to the janitor at the university who they love you don't even mean like some like and you're like that because like the kids are fine let's really blow someone's socks off here with some genesis this was great I really enjoyed that mercy where are we are we Here it is. I received a $40,000 inheritance before we got married. I kept it in a separate account and never mentioned it.

Eight years in, my spouse found out and felt completely blindsided. I didn't think I had to disclose it. Seeing a theme here, it's an ick for me. Yeah, what? What's you doing? Like, there's so many clues here. Do you think that's a guy or a girl? I feel like it's a dude. Why don't I feel like it's a dude that hit it?

I don't know. I feel like when people say my spouse, it's usually a woman. Correct me if I'm wrong. But I think guys usually just say my wife. I feel like a wife. I feel like a woman would be like my husband. Interesting. A jury's out on this. I'm going man. I think this is a man writing in. Anyone? We all think it's a woman. Well, I think women also could be kind of as a protective, you know, like a security thing.

But it was before they got married, separate account, never mentioned. I feel like when you get married, you sort of like put it all out there. Well, in my head to Pollyanna, but the idea of like, I hope you get married and you're so excited to be like, here's all our money. What are we going to do with it? Let's go get a big house. Let's go get a goal in those eight years. Let's like have fun with it and like figure out what to do with our lives. And it's so exciting that I have 40,000 that we get to like advance. To kickstart this. Yeah, advance our lives. To pay off debt. Get the emergency fund. Get the house down payment, invest. And George, I just not feel like that some people look at marriage anymore. You know, that 50, that's a person. What happened to that? Divorce rate? Really getting us down. It hurts. It does hurts.

Yeah, I don't remember. Like, if I had any money when I was married, I was like bragging to Whitney. I was like, I got $10,000. I know. So you did pretty good. I got five figures. That's what makes me think it's a woman. Okay. The guy would have been like, I'm loaded. Funny. Okay. That's a funny perspective. Yeah. Well, I think it's an ick. Yep. Well, if I had 40,000, you know where I'd be. go cozy earth.com. That's a spending spree right there. And I would start spending. One of each, please. I've always wanted to do that.

One of each, please. Add to cart. You know what? We got today. What's that? I got a, they're calling it the first layer, I think is what they're calling them. Yes. And it's basically like a lightweight, almost like I'd wear it as like a PJ set.

But it's different than the bamboo. It's like a different material. And I, I want to go home. Do you have it with you? Okay, y'all, it is like legitimately. it's the softest stuff I've ever felt. So you got yours in too. Well, I was so scared.

I was going to forget it at my desk because I wanted to wear it tonight. So I grabbed it. Okay. Let's see it. Let's see it. To be clear, I wouldn't not look as cute as Rachel would look in her first layer set. But these are like just, oh, it feels so good. It's like that cool side of the pillow feeling.

Yeah, because it's. Look at this. It's like nice and stretchy. And then matching shorts. Look at that. Because I got that swagger. I got that Bieber swagger. So, so much to love.

It's very Calvin Klein 90s. After a big meal, I need a nice stretchy waistband. Yes. Oh, my gosh. Well, we love it. CozyEarth.com. Incredible. And they have great deals for our listeners, George.

Yeah, you can get up to 20% off. Go to cozyEarth.com slash smart money and use promo code smart money at checkout to get the deal. All right. Next, I went on a girl's trip and paid for one of our group dinners on my credit card for points. Everyone agreed to Venmo me, but one girl still has. and we've been home for a week.

Can I send a remind on Venmo or is that cringe? Ooh, I'm going, that is wicked sick. I'm sick, yeah, that's great for sure, because you know what? Benefit that out, this girl, forgot. Happens all the time. Totally forgot. You know who I do that with? I've done it two times in a row and I'm like, Rachel,

Rachel, stop. You're hitting the Remind button? No, was babysitters. That's how we pair of babysitters now is Venmo. Yeah. And two times I forget to pay them. You forgot? Yes.

And then do they send you a request? Thank God. No, they will text me and be like, hi. And it's sweet. If they're like sweet high school girls, hi, Miss Rachel. I wasn't sure if you sent me a Venmo or if I missed it. You know, and I'm like, I'm so sorry. I feel terrible.

Imagine the story they're telling their mom and dad. I feel so terrible. That Rachel Cruz stiffed me the other day. So I'm saying that to say, she may not be malicious in not paying you. She genuinely may have just like totally forgot. Had a great night, you know, with the girls and she's moving on. She doesn't know. So the reminder actually will be helpful.

I find it helpful. for her. And it's less awkward than like a text message of, hey, I noticed you never paid me for babysitting. Well, it's not $2.74 cents either. Like, it's a girl's dinner. So you're probably, you know, 30, 40 bucks. Like, you know. That's if you went to the Olive Garden. Cheesecake factory, up that. Because you know we split some cheesecake. Yeah, that's a tough one, but I'm never ashamed to hit the Remind button. Yeah, you love that. I've never done a Remind on Vimmo. I'm more of a text. Yeah, I wouldn't be scared to text you about it.

I can be direct with you. It's not going to hurt your feelings. Totally forgot, but it's fine. Next up, my 23-year-old moved back home after college. We charge him $400 a month. Some family members think we're heartless. What they don't know is we're saving it and planning to gift it back when he buys his first home. That's sweet.

I mean, I'm going wicked sick on this one. Yeah, I think you're fine. I think the whole idea of, like, adults moving back in with their people. parents, and it's a big question, should we charge them rent or not? I think that's your discretion. I mean, I really do, because I think there's some responsible kids that move back home and they need six months between this lease and that lease. I'm like, that's great. And there's some that moved back home because you're like, oh, wow, they've not found a steady job. Yes. They need to learn some responsibility. Yeah, like, I think you can get the tone and the

spirit of the kid and what they need. If they're in a crisis, I'm not going to charge them rent. Yeah, no. Like, you have a place to land for a little bit. You're fine. But $400 a month is a steal. So you're not charged. charging them like market rate. You're like, well, it's $1,500 if you're down the street, bud, so pony up or get out. Like that's, that feels a little more cruel. Yes, no. But this is actually helping them understand how to handle monthly bills. Yes. And we know. When they get on the real world, it's actually cruel to have them not know how to handle that. And not build a habit. And when we talk about living without debt, your credit score is going to be undetermined if you don't

use debt. And so you actually need a rental history. Like a history payment. So actually doing those parents, you're setting them up well. Because they can then do manual underwriting. to get a mortgage, even without a credit score. Because the mortgage lender still looks for a history of on-time rent payments, even if it's to mom and dad. You still need a history of that flowing to bank accounts. So I think it's great. Love it.

And I love the idea of gifting it back. That's really sweet. What a fun surprise. Okay, so this is funny. We were just doing Ramsey Show Lives. We had one in Phoenix. In Phoenix, King Coleman, Jade Warshall and myself. And we had a similar question.

And they both were like not, don't get. give it to them like they're fine. Let them figure it out. And I was, and I went back and I was like, I think I, yeah, disagree. And then it turned out that he'd been living there for like two years and like, all this stuff like it ended up not being like, it was kind of like, uh, maybe you shouldn't get it.

But it was so funny, we like disagreed on stage about it where I was like, yeah, because I think that's great. If I'm like, that does not bother me. And I mean, how long is he live in there? If it's a year, that's $4,800 bucks. Right. It's not like it's life changing either way, but it's a, nice thing to do to go, all right, here's your moving money.

Yeah, the chief, like, yeah. Some closing costs, you know, life's expensive. Give your kid a leg up. Like, why are we punishing our children? That's probably joy. You're like, well, you've got to learn the hard way like me. Says a dad of a little girl. That's what he's thinking of Mia.

God, I know. I will treat my girl differently than the boy. For sure. The boy, tough it up, kid. And I'm the opposite. Charles, and he just says, I just love you. I'm like, I can just, I can just hold you all night. I mean, just the best.

It is. So sweet. All right. I lied about my income on the first date with my girlfriend. I just rounded, oh, down a bit. Ooh, we're going humble. So modest. I work in pharmaceutical sales and didn't want to come off braggy.

That's kind of sweet. I feel like I should clarify, but I'm not sure how to handle the conversation now that things are more serious. Wow. What do I want to go green here? I think it's really sweet. Well, I want to go just total financial ick

for the idea of talking about income on your first date. Is that what we're doing? one now? I guess that's true. Like it went from like, I think he should pay to, I think he should tell me his income. That feels, it's like on the hinge profile now. Oh, no. It just feels like it's a lot. So for that I go ick. I think the motive was sweet in a way. Because I relate to how I'm guessing she brought it up. I'm more of a, I downplay things more than up. Because upplay feels ego to me. It feels like I need a boost. There's something actually about like, gosh, I I don't want to, like, be intimidating, scare her, or whatever he says.

Like, I don't know. I appreciate the downplay. Tell us about that I'm good with. Because when I first read it, if you heard my inflection, I thought, Yeah, you were very sympathetic to the gentleman. Remind the tape. I said, I lied about, yeah, my income. And I said, oh, gosh.

I just rounded, and I really thought it was going to say up a bit. And he said, down. So. Well, he's in pharmaceutical sales. So he's making high six figures. Yeah, if he's any good at his job. High six figures. seven?

He could be, no, I think he could make him. You said high six figures. Well, in my head, it was like high, like 150 to 250, somewhere in there.

Maybe upwards of 300, depending on how long he's been in it. I don't know. But if he's a young guy, somewhere in there is what you can make in that world. For sure. But I still don't understand

who brought this up. I have a lot of further questioning, Your Honor. But, yeah. I just feels too soon. Do you have a, like,

I don't remember talking about income with Whitney when we were dating. No, we were in college. Winston had a, he was mowing lawns. I thought I have a work man. Hey, that's not a nick. It's a hard working man right there. I was.

And I said, landscaper. Wow. Wow. That's why he's so good with plants and shrubbery. Yeah, yeah. I've always found that to be interesting. Yeah, he landscaped through college. Wow. And you guys have a little garden now. Mm-hmm. You have a gardener. He actually just told me

yesterday. He was like, I'm about to plant all my spring or my summer vegetables, and I need to know what you're actually going to use because he planted all this stuff for the winter. He's like, you didn't eat any of my stuff. I'm like, because you plan on radishes. Like, I don't eat a radish, but he'd chop up a radish. Hey, a good fresh radish hits. No, it doesn't. I was like, thinly sliced in a salad. So I said, uh, green onion. Give me some green , give me all the herbs. Yeah. Give me cherry tomatoes, jalapeno peppers, bell peppers. Our cucumbers always end up weird. They have like spikes. Like, I don't know.

The cucumbers are tough regarding. But those are like what I really, but then he, He loves okra, so he's going to do okra. Oh, that's a fun one. Do you ever fry it up? Yes, yeah. Fried okra is a southern specialty. So good. So good.

That's great. Yeah, I don't know how we got off on that. Oh, shrubbery, yeah. He loves the outdoors. He is a man of the outdoors. Get him outside. Get you a man who can garden and mow. All right.

Next one. May seem dramatic, but I just refuse to tip more than 15%. It feels ridiculous to me. Am I a monster? Wow. I'm gonna go, I'm gonna go ick on this one, just in the phrasing of it. That's what I was gonna say. I mean, monster was like, wow, really strong.

Are you a monster? I mean, no, but are you cheap kind of? Yeah. Like. I think just the spirit of it, like, I'll never do more than this. Feels so legalistic. Yeah, that's a good point, George. Yeah, I agree with that.

This is my bar with generosity. That just feels odd to me. That's a good. Because a tip is generosity, and yes, it is expected in American culture. There is a level of if you don't tip, that is not okay. for a service that normally would get a tip. But the idea that anything more than 15% is over the top, it depends. It depends on the service.

If someone really went out of their way to serve you, give 20. I'm a 20% minimum. Like even if the service was terrible, Rachel's giving you 20. I know, I'm 20. Man, the servers are like, Rachel, come visit my restaurant. Winston will go 15. Okay. He's peculiar than I am.

But I, yeah, I'm a 20. Can I tell you what I do that I think is petty? That is my toxic trait. I love. I love Georgia's toxic traits. I will do, I do 20%, but I do it on the subtotal. Wait, what? Why am I tipping the government's taxes?

Oh. Think about it. New Hampshire doesn't have sales tax. So that server is going to get less to New Hampshire. Oh, that's interesting, George. You know what? In Tennessee, they're liquor tax. 15% extra.

I know. Now that is true. On top of the sales tax. You're talking. 25% and now I'm doing 20% of that. I'm tipping on the actual service and product provided. Okay. That's my line, but I'll do 20% happily on that. I'm not like terribly mad.

I just have never thought about it that hard. Next time, when they, on the receipt where it shows you, the like pre-calculations for tip, check to see if that's on the pre-tax or post-tax. A little fun exercise for you guys at home if you have no friends. Next time you're out and about, you don't have a social life. Clearly you're going to be solo.

Study your checks at the, at your restaurant the next time you go out. That's fun. That's George. That's fun. That's my ick. Well, I do know that whenever we do go out to eat that, regardless of if I tip on the subtotal or total, I'm throwing my Fair Wins credit union debit card out there to pay the bill.

Cheers to that. Because Winston and I have switched over, yeah, our banking. And it's like, it is amazing. Fair wins, we love. So this is a credit union, you guys, that is pro-Ramsie principles. They actually want their team to become debt-free. They celebrate it. Yes.

I mean, they are amazing. And so they have a smart bundle where you can actually get a no-feet checking account up to 10 high-yield savings accounts, which is so funny to me. For all of your different sinking funds and savings goals, they did that for our fans. Did that for nerds like George.

And they got rid of all international transaction fees because of my YouTube video. What? Say more. If you travel internationally, don't pay these fees. Find a debit card that doesn't charge you those. And Fairwinds went, let's get rid of that for our Ramsey fans. Unbelievable.

So check it out. It just keeps getting better. Go to fairwinds.org slash Ramsey. You can get that smart bundle with the no-feed checking, the high-yield savings, which, by the way, number one question we get, what's a good high-yield savings? Boom. I drop the Fairwind's link and I sleep good at night. That's right. And you get the debit card, so make sure to check it out.

Okay, George, what do you think about the whole ick or sick? I think there's a spirit to it, that you can just feel it. Is it a spirit of your poor communication skills? your lack of generosity, your sort of controlling personality, you know? Or is it actually I'm not okay? And this was someone else that wronged you. It usually isn't. Yes.

That's, I think that's great. It's usually on the person in the mirror. I agree. I heard this construct from my therapist. And she used this term and I was like, oh, I love this. It's called the stable, flexible self. So there's like a stability in your life of like your conviction, like what you believe. but the flexibility is big.

Like the more rigid you are, some would say the more unhealthy you are. But the more flexibility, it's almost like the more grace you can have, like you're good. And a lot of this is what you're saying. When you were talking about that, I thought, oh, the stable, flexible self.

There's like almost that like flexibility in life that like, oh, I'm going to pick up the coffees. And I'm good. I don't have to have this like, oh my gosh, everyone has to pay me back. And I remember, you know what I'm saying? Like it is, it's a control thing. And a little bit when you let that go,

I think you have a more enjoyable life. And I think you're more attractive as a person. Like, people want to hang around that person. Yeah. They're flexible. And not to take advantage of, but just like you're enjoyable. Like you're easy going. Nobody wants someone.

I mean, unless you want to hang with me. Very neurotic, very rigid, very uptight. Very uptight. No, it's true. I think if you have a generous spirit, you give someone the benefit of the doubt. You're always thinking, hey, what would I want to experience? How would I want to be treated? Sort of that golden rule mentality. I think you make different decisions. And just say the thing that you want to say. Do it kindly, but don't leave it inside and then be

mad at everyone else. That's right. Because they didn't return the favor that you thought they've returned. To be unclear, it's to be unkind. Amen. Don't be unclear. Be clear. Amen. And roll tide. Okay, before we spill the tea on our guiltiest church segment, uh, what do you think? I loved this. It got better as it went on. This is a cherry basil smash. It's got gin, pitted cherries, lime juice, simple syrup, basil, and soda water. Y'all, we are in summer, and that is a summer cocktail. Yeah, I could have gone heavier on the gin. It wasn't coming through enough for me, so I'm going to go seven out of ten on this one.

Okay, I'm going to go, I think I'm, I mean, nine out of ten. So generous, once again. If I'm going to order at a restaurant, I would order it for sure, but I think I would, like, my favorites of, like, a margarie. Right, like, I have my, like, my favorites. like go-toes. This isn't probably going to become a go-to of mine, but so good. You know what I pictured? What's that? You did a big batch of that and one of those like a punch bowl. A punch bowl thing, like one of those, everyone's like at the house. That could be dangerous, but that is.

A little summer party. Are you going to be throwing one? But that would be good. I should, shouldn't I? We had a great time last year. All the personalities did a great dinner at your house. That's right. By the pool, which we got to see in person. And wow, what a flex. Jonathan, I'm sorry He's a really nice pool I'm not gonna lie honestly what really got me was the little like workout room adjacent

in the little like pool house I was like I would work out if I now I want to work out with Winston With Winston And me You're fine if you want to be there too But it's kind of a

That's where I work out It's kind of a boys clubs We're gonna be lifting heavy weights Rachel we don't want you to get hurt I do too Oh man $2.80 if you want to try this at home The recipe is in the show notes

give it a try this weekend if you're of age as the weather warms up and you're by the pool if you choose to post that on your Instagram. 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 we're guilty. We take a sip. All right, George, have you ever overspent in a foreign country? Oh, gosh. I'm trying to think the last foreign country I was in.

That's sad. I need to get out more. No, it's not sad? Well, Mexico. I did, yeah. We did, you know, honeymoon anniversary, Cabo and Cancun. But I did Costco travel, so you know that I was. Oh, yeah, you're in one.

And then it's all inclusive. You know what I did in Mexico. Have I told you this story? I don't remember. Tell you. I'm at the airport and the pizzas. So we're in the airport to go home. And there was a pizza place, but they had a kiosk that you could like tap on.

So I was like, I'll order from the kiosk. So we're with Winston's like whole family. So I have like my two girls Like a few of my nieces with me That I'll like leave the gate to go find food I'm the only adult So I like have all these like these girls with me And I'm like oh

And everyone's like pizza I'm like perfect sounds great I love pizza so easy Rachel loves it So I go on the kiosk And there's like a cheese pepperoni Supreme option three options and buttons But on it it had a slice of pizza

On the button So I thought it was a slice of pizza So I order six slices of cheese pizza and I Beep beep Feroon Zepp a card And it And I thought this was fraud at this point

And out, no And my niece was like Oh my gosh Because I can't remember I can't remember what it was But let's just make it up Like 2,600 pesos or whatever She was like

Aunt Ram is that $2,000? I was like oh no no no no That's pesos Or it was like a thousand A thousand pesos or whatever I was like no no no That's pesos It converts dollars or like

way cheaper. She's like, oh, how much? I was like, oh, good question. So we're walking with the receipt to the pizza place to pick up the pizzas. I type it in chat, CBT, and it comes up like $236. And I was like, oh, boy. And I was like, uh, hmm, well, this was supposed to be like $30, but it's saying like $200, like $236 or whatever. And I thought, oh my gosh. And I go up to the counter, y'all, I come to the counter. And I mean, I'm, I choose. to be in a country that's not speaking English. I don't expect them to know English. Sure.

But I'm sitting there like, do you know? And they're like, oh, we can't train. And I'm like, George, I ordered six full large pizzas. Oh, wow. Six pizzas. For six people? So everyone got their own large pizza.

Basically. Well, I mean, like, there are other people in our group. Yes. Oh, my gosh. No refunds. I couldn't wait. You can't take back the pizzas. Oh, and I have a, I have like a stupid.

line item in the budget. Actually, I could pull it up and tell you exactly how much it was. Oh, this is juicy. If you want to know. Yeah, we have a stupid line item in every dollar just because stuff happens like this. And you're like, that is so stupid. Is it usually on you or Winston? Oh, I'm the only one that puts it in. For sure. I'm like, that was so

stupid. And so I put it in there because I thought, that is the dumbest a sandwich. Oh gosh, I was so dramatic. It was $128. $36. Not $200. Not 200, but I spent $128. That's still like 20 bucks of pizza though.

Which? Now I need to know how many pesos that is in case I'm ever in a Mexican airport. I know. I know. I'm not falling for it. Yeah, don't fall for it. What'd you do with all the pizzas? Well, most of them weren't even being, like we had to wait and our flight was boarding.

So I ended up just saying, just keep them. That's why to hold them? Because we couldn't get them all and get everyone's better. So how many did you take out of the six? I think we took two. You didn't think let me take all these on the flight and start a pizza part? You know epic that would have been? You would have been everyone's favorite person. Like, hey guys, pizza on me. No, I would just smell out the whole plane with pizza, which is what I hate. You hate the smell of pizza.

On an airplane. Food on an airplane? That is the ideal food to be smelling on a flight. You know what? I'm going to say this. Controversial or not? I think bringing fast food on an airplane and opening it up is worse than reclining your seat back. Can I tell you this past weekend I was on a flight and I had literally three minutes to get food before they boarded. I got like a Greek bowl. You know, but there's like garlic. It's pretty smelly. And so I was eating like a madman while we were waiting to board. And I finished as I was walking on the plane, I tossed it. And I was like, you know what? I have one.

I did the Lord's work today. I have won. My neighbor is going to be so happy. That is so true. I know I sat next to a girl and she opened up and I have a big breakfast sandwich, McDonald's breakfast sandwich right next to me with the hash brown and everything. And I was like, I can smell that. And it smelled so good.

I wanted it. Oh, I bet. The worst one, subway. Yeah. Somewhere on a flight, not the vibe. Not good. It's the onions for me. Oh, man.

Well, if you have a guilty-of-charged question for us, make sure to DM us at Rachel Cruz and at George Camel, because we read them. We appreciate them. And if you enjoyed this episode, you're going to love our next episode, judging people based on how they spend their money.

We will link it for you. It's coming up. And make sure to subscribe so you don't miss an all-new episode of. Smart Money Happy Hour.