Smart Money Happy Hour with Rachel Cruze and George Kamel - Judging Lifestyle Upgrades: When Is It Finally Okay to Splurge?

Episode Date: July 2, 2026

📚 Grab a copy of George’s book, Breaking Free From Broke!   At what point does “treat yourself” become a line item in the budget? Today we’re talking about “splurging responsibly” and how to strategically upgrade in your wealth-building journey. Next Steps: ·   🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy? ·   🍸 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.  ·   💵 Create a free budget and find more margin with EveryDollar.   Connect With Our Sponsors: ·   Check out the FAIRWINDS Credit Union exclusive account bundle. ·   Get 20% off when you join DeleteMe. ·   Get up to 40% off the exclusive bundles with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🧨 4th of July Mocktail Recipe By: mocksontherocks ·   2 ounces grenadine ·   2/3 Sprite or lemon-lime soda ·   Splash of blue Gatorade   Instructions: Add grenadine to a glass, then fill glass with ice. Fill 2/3 of glass with Sprite and top with blue Gatorade.   Explore More From Ramsey Network: 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

At what point does treat yourself become a line item in the budget? Today we're talking about how to splurge responsibly as you build wealth. Can I tell you something that is embarrassing but also unsurprising? The confession is real. And especially if they're watching these episodes, George. And it makes me want to say no tip for you. Stop that George Camel. Hey guys, I'm Rachel Cruz.

I'm George Camel. And this is Smart Money Happy Hour. Cheers, George. Cheers, to America. Mm-hmm. Very patriotic there. 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. But first, let's talk about what we're sipping on. If you're watching, visually, you'll notice that our drink is red, white, and blue. How fun is that?

And the fact that it's staying and not mixing? Yeah, it's pretty impressive. Now, you're just getting a hit of grenadine at the bottom. So you may want to stir it as we get going. Should I? Now that people got to see how beautiful it is.

Yeah, I think we're, good to stir. Okay. This is a 4th of July mocktail in honor of this great nation and we'll give you a rating and reveal the cost per glass at the end of the episode, so stick around for that. Okay, much better sip after that. Um, okay, so I got a message on Instagram, George, a DM. Uh-oh. Was it more hate? Uh, no, no, no, no. It was a question. I don't know why I assume that now. Oh, I know. They keep coming out of the woodworks. Do you post your pool again? I know. They keep coming out of the woodworks. It's fine, though. Uh, no, but she was asking that, there's a woman and she said okay I've been married for a while our only debt is a mortgage and I

really want to upgrade my wedding ring. She said my husband feels like it's like frivolous, that's silly, why, he doesn't get it. And she's like, yeah, but we have the money for me to do it and I really want to upgrade it. And it made me think like, okay, yeah, when in the point of the journey do we get to have upgrades? Because you and I, we're boozy in our own ways, George. Yes. We love an upgrade. We're not mad at it. Yeah, people think we're like anti-speople. Anytime we talk about buying something nice or expensive, they're like, I thought you told people. No, like, no, just not when you're broke. That's right.

And not with debt. Don't buy those things. That's right. Because eventually, if you do the baby steps and you get out of debt, you save, you're going to have margin. You're going to start having savings off to the side beyond your emergency funds, you know, and you kind of get to a point of like, okay, when can I upgrade? And there's different parts of life that we can upgrade, right? It's not just jewelry, but vacations and cars and homes, all the things.

Yeah. Well, let's talk about it because it can feel like rebellious and when you've been so gazelle intense. It feels like you're doing something wrong by buying something nice for yourself. Like you don't deserve it. And so there's a parts of the journey. You can sort of unlock a little bit of that and, you know, let your foot off the gas and enjoy life a little bit more. So we'll talk through different, you know, stages of life. What do you love to splurge on? What's like the, what are a couple of things besides the dogs? Or is that the main? That might be the main. Yeah, I would say anything that is involving things I'm putting into my. body like food like supplements like I'm like that is worth it yes things that will help increase my

quality of life so to help me sleep and then the other one is buying back my time yes I am the quickest person to be like can someone else do that for money great let's do that I will pay for that because I will screw it up it's going to cause a marital fight and you you know these guys the types like babe we can just renovate the bathroom ourselves I saw a YouTube video like I don't want to pay a guy seven thousand dollars who needs an electrician I can do it seven weeks later the room is unusable. Someone may have gotten electrocuted. Not good.

Yeah, the spouse is angry. There's an ER visit. You're like, we should have just paid the guy. Well, we just pay someone to do it. I know. So those are some areas for me. How about you guys? Yeah, that's good.

That's good. I would say, you know, I'm going to go the health thing, too. Because if like we got a sauna, we went and kind of splurge on some workout stuff that we actually do use, it doesn't just sit there. Like, thing, and that we don't have to leave the house for. Oh, that's nice. Do you know what I mean? Like, that's great.

Like, we would have had to go. somewhere to do this. I know. Now we can just do this at home. Yes, I'd say in the last season of life, I'd say that. But then I will have little things like, you know me. I love a valley at the airport. Nothing like it. I talk about it all the time, but I do. I do. I, because I've had just nightmare scenarios trying to even like park at the airport garage and now I'm going to be late for my flight because I've been circling. Yes. And it said there was a spot on this floor, but there is not a spot on this floor. And you can't find it. It's where's Waldo. And what garage are you in? How far away are you?

but we will never buy snacks at the airport, right? No. So I'm like, we bring our snacks. $9 for bugles? Get out of here. Get out of here. I know. Yeah, so are like consistent.

I know, that's one of my things. I'm like, I will valet. So that feels a little like a splurge. But I love it. But again, you're buying convenience. And I feel like at your stage of life, you just need a little more convenience. I know.

And my other, which you always hate this, I don't want to step foot in a Costco. Oh, that's right. So I will pay someone to do it, which is always a large bill. We know the Costco bills. Yeah. So I pay for it, but guess what?

I don't have to have that big cart and be like, la, la, la, la, long lines in the back of the freezer. I do wish there was like a my size cart at Costco. You know what I mean? Yeah, you need like a little, many. Give me a small, medium large. Small, medium large carts at Costco. But here's why they do it. Because everything is too.

You want to fill the cart. It's like if you have a big dinner plate, you want to fill the dinner plate. That's right. If you have a small plate, you can only fill it so much. Oh, you think they do it psychologically? Yes, to get you to spend more. No, but all their things are large. Like you buy a big box of popcorn, not just like a box of popcorn.

So you've got to room. We're not always going to Costco for a huge haul. Sometimes you're just going for a couple things. True. But then you have room in the cart. You go, hey, might as well. Might as well search the aisles up and down. And I think actually the way I do it saves me money.

Wow. Because you're not shopping. I'm not scouring the aisles. Yeah. I get the things we usually get and that's it. I don't know new stuff. You're saving money by doing Instacart for Costco. 100% all day.

I love this. Yeah. Wow. Well, you know, we work in personal finance and we are proudly booge in certain areas. And we're going to talk about how to splurge responsibly. And before we get to that, it's worthwhile to go over the teaching we have around personal finances, the baby steps, so that you kind of know where you are in the journey. Yeah, so the non-splurge times for sure is babysaps 1 through 3. So babysept 1, $1,000, baby step 2, get out of all consumer debt, and babysept 3 have an emergency fund of 3 to 6 months of expenses. So, like, it's kind of like, yeah, there's no splurge in that time. And that may take you two, three, four years possibly, right? So there's a level there to say, okay, time frame, short amount of time, but we're going to really buckle down and do this. And again, some people longer or shorter. But then when you get to babysaps 4, 5, and 6,

you're funding 15% of your income into retirement, saving for kids' college, trying to pay the house off early. That's where you can kind of start to say, okay, we can buy a new couch. If we need the new couch, we can go on a trip. Like there are times to spend in that, because that baby step is a while. That could be a decade, right? So you want to enjoy your life throughout that decade. You can go on a vacation. Yes, but then especially baby step seven. That's where no mortgage, no payments. Kids are good for college. You're just continuing to invest on the side. and then, yes, any extra margin you have. That's where, like, extravagance can come in.

Yes, that's where I feel like you can really enjoy. Yes, you can really enjoy. All right. Well, let's draw a category, and most of these are actual line items for us in an every dollar budget, which is fun. And we're going to share some tips and tricks for upgrades that have been worth it for us as we build wealth and hopefully free some people to enjoy their money.

That's right, yes. We love people that follow the Ramsey plan, but some of them George, a little too tight in their pretty. Loosen up the purse strings. And let's start your thoughts in the comments as well. I'm sure you might disagree with us on some of these. That's true. That's fine.

It's a free country. America. Go America. Okay. House, George. So things around the house that you can upgrade. Okay, let's talk services. This is a place where we do.

We have splurge on the services. So a house cleaner. Yep. We started that a couple of years ago and God bless them. You know, there's nothing like walking into a house that smells like a, cleaning solution that you didn't buy. It's theirs. And you're like, that smells amazing.

That shower tile is so much cleaner than I remember it. Well, I seriously think, you know when sometimes when you cook a meal, you like, by the end of it, you're like, okay, I'm going to just eat it because it's made and whatever. But then someone else can make the same meal and you walk in, you're like, this is the most amazing meal. Because you didn't have to cook it or clean up. Yes. And I think that's about cleaning for me.

Yeah. Because I'm not a picky. I'm not picky when it comes to cleaning. My sister and mom love them. But they are. They're like looking in the corners and like if they paid someone to do it, they're going to be,

they're going to be looking. Sharon is going to find a dusty baseboard. And it's the last thing she does. It's like, listen, you know, where I'm like, I don't know, I don't pay attention to that stuff. It's more of a vibe for you. It smells good.

It's just a vibe. It feels so clean. It seems clean. It seems clean. That's my, that is my cleaning company's slogan. Yeah. It seems clean.

So you're saying they may not be doing the best job, but you're convinced. And all the type B people say amen, hallelujah. But house cleaner, totally worth it. And again, at some stage of life, maybe you hit baby step four, you go, great, we'll do it once a month. Totally. And then maybe baby step seven, you go, you know what, twice a month. Sure. Every week, go crazy if you want to. But it's, again, buying my sanity back, buying my time back, totally worth it. Yep. How about lawn care for you? Can I tell you something that is embarrassing, but also unsurprising? I've never mowed a lawn in my life. Yeah. Really? And I know people who already didn't have respect for me lost somehow even more.

Well, growing up in Boston, our backyard was just like, it was like, boulders and rocks. So there was no, there's nothing to like really mow. My dad would just do a little quick mo. And then growing up, I just never like, even when I owned a home, it was like a townhome and the HOA does it. Yes. Okay, that's fair. You know what? I kid in the neighborhood did it for 15 bucks. Yeah, yeah, yeah, yeah. You're a city boy. And then I'm like, where am I going to store a zero turn mower right now? You know what I mean? I don't have the space for that I got a bluey bounce house to store That's right You got too many

It's priorities George And I saw him come by the other day And I'm like these guys get it done In five minutes They do they're so fast It would take me all day in the heat I'd be complaining I'd have a heat stroke

And be in the ER We can't risk it That was like one of Winston's identity crisis When we moved to our new house He sold the lawnmower And like got long care So for about I don't know 10 years

You know he always did our yard work And then when we moved He was like, I think that's one thing I'm going to do. I'm going to give it up just to have the Saturdays back. Because it would be all day. And if he mulched, you know what I mean? It would be all day.

And so, yeah. And so we, yeah, we outsourced the lawn care. And to your point, they come in with these massive lawnmowers. There's like three of them and they're done. They have better equipment. They're faster. And they're good. It's dialed in.

Yeah, it's dialed in. They know what they're doing. For sure. Okay, how about like furniture and stuff, upgrading. throughout the, because I mean, we went from like Goodwill college furniture to like a little bit nicer, a little bit of a splurge to like, okay, we're gonna, we're gonna keep up stepping.

Yeah, when to upgrade furniture. I would say once you're married, there's sort of like another level, right? Because if you're a guy, you've had the worst furniture known to man, and now someone else in your life cares more. And you need a bed frame. And you need a bed frame. Gentlemen.

Why do you need a bed frame? Gentlemen. I'll sleep on the floor. I had a roommate that just slept on the floor. like mattress on the floor. The entire time I lived with them. As an adult. Yeah.

We were in her 20s. It's great. You know what? It's totally fine. You do you. But if furniture is one, I think, over time, especially as you get out of debt, you enter that baby step four through six phase, it's time to upgrade some things, especially if they need to be upgraded. Yes. There's holes in it.

It's been worn down. The rug is seen the better days. Yeah. It's a good new rug. And some people truly just don't care that much about furniture and aesthetic. and that's fine. It doesn't have to be a value for everybody. But I think when you walk into someone's home

and they have nice furniture, you're like, oh, they're adults. They have adult money. They have a total, totally, totally. No, it's so true. I know. It's fair. And then Baby Step 7, I think, is another level where you can get like some higher end pieces and really start to...

Yes, and even hire someone to help. Oh, yeah. Right? Putting together the furniture is its own beast. Oh, my gosh. Now when I see, this is the bougie part. If I see white glove delivery, I'm like, yes. Yes, I will pay the extra $50.

And then the company that moves people and, like, sets everything up. That's right. That's caught a white, in that white glove too? Yes, it's like a white glove moving service. It's like a moving company and it's like. They literally will like, if it was in this drawer, they will take it all out and put it back in that drawer after they move it. So it's really, they're doing every single little thing. I kind of feel like that's a rung on the ladder that you've made it.

I'm uncomfortable people going through my junk doors. I don't know what's in there. But they do it. And they don't care. Right? It's like a doctor. They've seen it all. They've seen it all.

They're not worried. They're not worried. Yeah, that's pretty good. That's a fun one. I love upgrading areas of my home that, like I, like my sleeping for instance, like my sheets, my pajamas, my robes. I love a robe. Like all those things when you're like, okay, I'm going to like buy some nice quality

items like that. And I always go to Cozy Earth for those because it is just spot on. And actually with Cozy Earth, we created a George and Brosey Earth. Rachel, two separate bundles. I didn't know we could do this. Of our faves. I know. Y'all, I'm so excited.

So I picked out my favorites. Okay. So mine is the Lux Bath Sheets. So it's not just the towels. It's the sheets which are bigger. And they are luxurious and soft and beautiful. And then, of course, the bamboo pajamas, the set. So top and bottom love.

And then my bamboo kimono robe. And so this is like a lightweight beautiful rope. So that's the Rachel. That's the Rachel set. That's great. And my bundle includes the Lakehouse Clog. And then so I've got the clog. And then I have the first layer pajama short sleeve and T set, which Whitney was like, whoa.

Okay. And I was like, what can I say? I'm cozy earthed out. And then I added this one because it's just very me. The calf sock four pack. Oh, you love a cast. I love a sock. Yeah, but you usually do a no show sock, George.

Well, here's the truth. I realize I am out of touch. So I thought, let me give the people what they want, which is a calf sock. Yeah, as are popular. And maybe it'll convince me to get rid of the no-shows. I love my Cozy Earth no-shows, too. So these bundles, they're letting our audience get 40% off of these bundles. So if you want to live like Rachel, look like Rachel.

Live like George. Very if you want to live like me. But if you do, the bundles are available at cozy earth.com slash smart money. And again, you'll get 40% off our exclusive bundles. This is a limited time offer, so be sure to get yours while supplies last. And if you get the post-purchase survey, let them know that Smart Money Happy Hour sent you. All right, George, next topic. I'll let you draw out of the old fishbowl.

We love a fishbowl. One of your favorites. What is it? Let's talk about travel. Yes. Love language. And this is transportation, too. We kind of lump that in there.

Okay. So let's start with the cars. Everything. When to upgrade to the new to you car, to the brand new car. Yes. And this one we do have pretty specific parameters on. Okay. So when it comes to a brand new car,

You need at least a million dollar net worth. So that's kind of our baseline. If you got a million bucks, you can take the hit of the depreciation that happens literally as you drive it off the lot. Like when it goes from new to use, just over that boop, boop, onto the road. Yeah. You lose value. I mean, the average new car prices are like $50,000 now.

I know. It's crazy. So you're talking about like 5% of your net worth if you're a millionaire. Yes. It's tied up in that car now going down in value. That's right. So, yep. So when you have that, but let's go from like even the bottom, George.

go with like the, maybe you had a car payment with a nice car. You sold it to get out of debt. Now you get the beater car, as we call it. You're driving like a $7,000, $6,000 car and you're like, all right, it's got 250,000 miles. It's going to kick the bucket at some point soon. Soon, yes. So when does the upgrade happen? Pass that. Well, I just got a message about this and they were like, hey, if I has constant repairs, should I pause baby step two, my debt payoff journey and do it. I'm like, if you have to, get the cheapest car possible and restart. But ideally, you can drive that thing, get out of debt, get the emergency fund, and then begin saving up for a new to you car.

And this may not be a car that you have for five or seven years. It might just be a year or two as you get to a better place financially to where you can save up $10,000, $15,000, $20,000 to go for that upgrade. But the key is you're doing it with cash. Yes. No loans. Yep. And I think people get in the mindset of like, I'm going to have a car and I'm going to drive

it till the wheels fall off. So they think I'm going to go buy a brand new car and I'm going to drive it forever. And it is going to be eight, nine, ten years until I sell it. So sometimes that long-term thinking messes with people when we say, hey, you can buy a car for nine months and sell it an upgrade. Right?

Like you really can just start stepping up in car. Like a car, it is a big purchase. But when you're purchasing on the lower end price point-wise, those upgrades could happen faster and faster and faster because it's not going to take that much more to get an extra, you know, $2,000, once you're out of debt to put with your $6,000 car, right? And you automatically then have a $9, $10,000 car.

So when you think of it like that, you can swap out these cars to continue to upgrade. It doesn't have to be that you have a car for 10 years. Well, the problem is when you upgrade too soon and with debt and it's brand new, it is so hard to then downgrade. Yes. When you go to sell that car. It hits the ego.

Yeah. I mean, I'm driving a loaner Tesla right now. Oh, poor you. It had a little rattle noise, so it's in the shop. They gave me a loaner, and it smells. new. Oh, shit. I'm like, oh, this is nice. This is good. Mine smells like toddler. And dog, mostly dog. Yes. I can't blame the toddler. Is it the same type of car? Like, is it like basically your exact one, but it just smells great. Yes. Yeah, that's the

worst. And it's white. I've never driven a white car. Ooh, all right. I feel like a, you know, a very Williamson County mom. Yes. In my yoga pants and my weighted vest going to Target. I was in carline in my white Honda Odyssey and they were literally five in a row. And I was like, well, there we all are. Wow. Those white Honda Odyssey's. A white car, it does feel, I think it feels more feminine. It 100%. Now, if it's a white truck, that feels masculine. Well, sure. You gotta... But I'm just saying, like, not all white cars. True. True. Yeah, yeah, yeah. But I just feel like you gotta clean it more often. Every single thing shows on that.

No, but it's the opposite, actually. I think black cars actually show more dirt faster. But if one bug gets on that white car, it is just so obvious. You can't really see it, though. But all I'll take you out to the parking lot. I had a lot of bugs in the way here. God. I killed some bugs. Hold on, hold on. Are you Googling this?

Yes, I think it's a fact that... Visually? What cars show dirt and bugs more? White cars or black cars? I think I'm right. Who are you asking? Oh, come on. Chat, GPT.

Sorry. Sorry. See if I had my voice one with that friendly lady. Black cars. That's right. Dirt, dust, pollen, water, spots, and scratches. White cars tend to hide dust, dirt, scratches. Just saying.

That's a fun one. Oh, and the last parameter, make sure that all the things with wheels and motors in your life doesn't add up to more than half your income. So that's kind of how you know, like, what is the limit here? How much can you afford in cash? Make sure it's not too much. If you make 100 grand, make sure all the cars and boats and whatever other toys don't have to more than 50 grand. Yes.

That just keeps you from going overboard. I love it. Okay, so travel when you think vacations, George, would you rather have a nice place that you are staying accommodations-wise? VRBO or, I say VRBO still. Verbo? Sorry, verb-bo.

Or like a nice hotel, but you have to cook, which I guess is weird in a hotel, but like your meals you have to cook in, or would you rather go out to eat? Like cheaper hotel, but you're eating out more. Yes. I would say like I'm fine with mid-tier hotel and eating out more because I'm not in the hotel a lot

Like I'm really there to sleep If you're on that kind of vacation Where you're like exploring a city You're really there just to get some shut eye, wake up, shower and go Totally, yes But food would be like I'd rather enjoy some good food Because I don't really get to enjoy it

You don't want to go somewhere and then just sit in the hotel room all day So true Yeah, yeah, yeah, that's fair Okay, I think I'm with you I think you convinced me I first was going to say accommodations. Well, in your case, you're doing both. Room service. No, I got to pick one or the other. Stop that. That is where I splurge, though. Room service. Man. Now, that's a good one to upgrade.

Even at a Marriott. Even at a Marriott, getting an eggs Benedict to your room. Wow. Nothing like it. It's my favorite. Because when else do you eat an eggs Benedict, other than room service? I know. It's like the only thing I did. I'll take the freshly squeezed grapefruit juice. Yes, please, please. That's a good one. Okay, what about like first class? or like time preference when booking flights? When is the time to upgrade? Man. To the better flight instead of the red eye or the 5 a.m.

I think that's down the line. I feel like that's a luxury. Because you could spend an extra, like as a family, easily an extra thousand bucks, $200 per person. Yeah. Right? For a failure five, to get a better flight.

To choose your seat they want to charge you more. Thanks Southwest. Gee, Southwest. I'm traveling with my toddler and I'm like, well, I can't. If I can't bank on sitting next to my toddler. I know if you can't be family boarding after Group A, like we always did. Like we always did.

And you took it from us. So I had to upgrade to the choice seat on Southwest just to make sure I can sit with my toddler. Yes. It's exhausting. Exhausting. I know. So all I think, you know, and having a direct flight is obviously amazing, so convenient. But if it's an extra 200 bucks or something, like, and you don't have it.

Like, to me, like, that's one of the last things that you say, like, okay, we're going to splurge on that. Yeah. I don't know. That's how I feel. In times, I'm like, sorry, kids, like, we've had multiple 5 a.m. flights. No, you hate that. Well, for me, it's just, like, how much stress is it going to add to my day and to my life and to this trip? Because it's already a trip if you're taking the kids.

Yep. Let's at least alleviate that. So I have been better about booking times that are, you know, less frustrating. I don't like an early flight, as you know. I know you don't mind. I know you don't mind. I don't mind it at all. But the idea of waking up at 3 a.m. and being so gliery-eyed all day.

See, to me, it's almost a little adventurous. to me. Oh, wow. There's like a little bit of like with the kids. You wake up with a little bit of like, ooh, we're traveling today. Yeah. And that keeps you going. And like the sun is still down. And like you got to like get everyone up. The house is kind of dark. And you know, you're all, I don't know, there's something kind of fun about it. The kids are too tired to cry yet. Yeah. That's how you do it right there. Oh, it's real. It's real. But I have found as I, as I got out of debt and started investing like everything. I just wanted the slightly better flight, the slightly better hotel. Yep. Because it was just worth it. Again, it's about your quality of life at that point.

100%. So good. All right. Next category. These are folded so nicely. Great folding job, team. Shopping. Gosh, this is my episode. This really is. You're freeing so many people. So upgrading shopping. So let's think more actual material things. Okay, so watches and shoes and purses. And then also shopping, which we'll throw this in,

is like the tech side of it for you. Oh, yeah. Upgrading all the technology. in your life, your devices. Let's think. When to upgrade. This is a preference thing, kind of that quality over quantity.

And again, I would do it babysat four, five, and six. Out of debt with the emergency fund. And you know what? I'm going to say a big statement here. Ladies, I think we only need, if you're going to do it, if you're going to be in this,

if you're going to be in the realm of luxury, okay, I think you only need like one or two luxury bags and that they will last you eight, nine years. versus like five? Yeah, you don't need five. Do people have just like five or six or seven luxury bags? I assume so, like the real housewives.

Oh, real housewives, okay. Well, yeah, that's your bar. Well, yeah, I mean, the real housewives do, as if that's reality. But I'm like, for a woman to have one nice bag in her life, I think is like, I think that's good. Yeah. That's a good goal, right? We might be in our late 30s when we do it, and that's okay. Or early 40s, but I don't know, there's one, there's something about me that I'm like,

One or two nice luxury bags. One nice bag. Big bag and then like a small bag. Something to aspire to. Now, do you think it's something that should be gifted by the spouse? Or is something that is a known thing that we're all going to, you know, go shopping for this? No, I think you need to pick it out. If you're going to spend that much money, you want to make sure it's...

I can't be trusted with that decision is what you're saying. No, I don't think so. Unless you've had like a dream bag that you just talk about over and over and over and over and over and over and over and he knows exactly what it is. But if you're going to spend that much... If you're going to spend more than $200 on a purse, you need to pick it out. Sorry, guys. Don't even attempt it. For sure.

Yeah, I won't. Not the thought that counts on this one. God, no. What if you opened it? You're like, you spent all that money and I don't really like it. I just, I think purses have the least amount of utility. Not that everything needs to have utility. Do you understand what is carried in my bag?

I understand that. I have, a normal purse can do the same. now two hot wheels granola bars trail mix brushes lipsticks a sweater there's literally a sweater in my bag right now george okay so let's change the analogy if you're going to have all that garbage in a vehicle it's like would you rather have that in the old honda odyssey or in the g wagon if you're going to have cheerios in both oh i see what you're saying have the target bag so you're not the target bag can hold all of that just fine okay the luxury bag is that you're going to feels like special occasions, date night, out on the town.

But I want to wear it all the time because I paid so much for it. So I want to use it every day. It's my everyday bag, you know? She convinced me, girl math wins again. There we go, there we go. That's a good one. The G-Wagon versus the Honda Odyssey. I mean, thank you for my...

You're like, here's what's in my purse. Junk. And food. Old snacks. It's terrible. That have gone bad that I forgot we're in there. It's terrible, I know. That's a good one.

But clothing in general. But I don't. say Baby Step 7 for a lot of the luxury stuff. Is that bad to say? Yeah, I would say if it's in luxury category. Except we had a guy buy a luxury watch and we told him it was okay. He was on Babyseps four, five, and six, and he'd save for it. Yeah. If that's a passion of yours. Maybe like one, maybe like one nice luxury purchase in there. If it's a pattern that tells me there's a red flag here, if you're just constantly needing and wanting all these luxury things in your life. Yes, yes. If it's a huge part of your budget to where you're just using that instead of

investing or paying off the house early, not that every dollar has to go to those. things, but I think there's some balance needed. For sure. Does Whitney go through, I'm asking, because this just happened to me this past week. Does she go through like shopping days? Yes. And then she didn't shop for like weeks and then it's like, again, okay, that happens to her.

She's in one right now. I'm in one right now and it's giving me, it's all in my every dollar, I've been tracking all the transactions, but I had to up a category and I usually don't up the categories and I upped it. And I just feel a little like, gosh, did I do too much, you know? Yeah. Well, at what point does it become,

a spree. That's the question mark. I think I'm in it. I think I'm in this. If you keep it under a thousand, is it not a spree? But I'm taking back two pairs of pants to Abercrombie this weekend. Okay, now you sound exactly like Whitney. So I'm taking them back. So that's credit back to my every dollar line item. So that feels better. And to her credit, she usually returns most of it. Yeah, and I just got an email that one of the things I bought is out of stock. So that's going to credit back. So I'm like, I feel like I like, okay, yeah, I'm feeling better. Well, she explained this to me. So she doesn't like shopping in person as much anymore. Yeah. Because she's had a lot of terrible, like, retail experiences. Like, they're just, like,

mean to her and super rude. No. She's like, I'll just shop online and then return it. So you think they're, like, trying to scare people off to shop online so that they don't have to, like, deal with that. That's what I'm wondering. I'm like, on their side or they're like, I'm done. It's hard to feel bad for retail stores struggling when customer service is gone. Yes. They're never happy you're in there. Yeah. You're just a bother to them. That's sad. Not everyone, though, right? No. But there's enough that she's like, oh, no, thank you.

Yeah. I think until you get to the upper end, like, you go to like a Dillard's. And of course, I'm always like, how are all these people employed? No, but every time I walk in there, there's like nine people working at the, just the perfume stations. I'm like, no one is here. How are you guys getting paid? It is so true, though. There's no way they make enough money in Dillards.

Do they department stores will forever be around? Well, ask Sears how that went. I don't think they'll always be... I think they'll be around in some former fashion. I think the big ones will figure out how to adapt. Yes. But they're essentially billboards now. To remind you they still exist.

That they're there. But the actual foot traffic in there, an amount of transactions happening in there? That's what I would be so curious. Yes. It's going to take just a few rich people to keep those places alive. Keep them going. Because otherwise, the common person is shopping online at this point. Yeah, I agree.

I'm with you. It's a hot take. Okay, what about technology? How about phone? um, AirPods, all of that. Yeah.

I think that could be baby steps four through six. 100%. Because you're talking, you know, a few hundred bucks for some of these. An iPhone now, that's like a thousand dollars.

Yes. So that is something you got to almost have a sinking fund for to just put up, you know, 50 bucks away a month so that in a couple years you have enough to get the newest phone. Yeah.

Now, I also think if you take care of your stuff, it lasts longer. Okay, but I think they are in there. This is my conspiracy. Who's in there? The tech people are in my phone. And they drain my battery.

They slow things down. I think that's real. You ever think about the fact that you could be doing all that by the way you use your phone? I use my phone like a normal person uses their phone. I talk into it a lot. I text and I go on Instagram and email. And maybe the Southwest app every now and then. So you don't have a lot of, are you constantly charging your phone?

Every night. But now it drains so fast. I have to charge it at work every day usually. Oh, no. I think they're in there. Guys, pray for Rachel. I think they're in there. I do.

I think the tech. I think it's a... Well, I meet people in the lobby of Ramsey Solutions because, you know, we get a photo with them during the breaks on the show. And if I see a single lens, I'm like, wow. They're like troopers. A single lens on an iPhone. I'm like, bro, it might be time to upgrade.

And they're always like, we're baby steps, millionaires. We paid off her house. I'm like, dude, time to upgrade. Upgrade the phone. There's been nine phones since you've had that one. Yeah, I know. So you don't have to get it every year or two, but you take care of it, it'll last longer,

and you'll know when the time is right. And I have it, here's my tell that you are. What if you still have the swipe phone? Remember those? Oh, gosh. What's the swipe phone? You know when you open it? Oh gosh, wait, is that what we still have?

Like a flip phone? Yeah, yeah, you know how we swipe up? Remember the ones that would go to the side? You have to unlock to the side? Oh, yes, yes. Those are the older iPhones with the older software. Yes, love it. I was like, what is she talking?

I've never heard of this phone. It's a software thing. It was a software thing. It's a software thing, it's not a phone thing. Yeah, I think if you can upgrade to that software, I think there are older phones can't get to that software potentially, kind of like Max. Yep, okay.

That's an interesting one. But here's my tell that someone is doing pretty well in life, naked iPhone. No case, no screen protector. Naked iPhone. Bear, bare bones. You know what I mean? It's like driving one without a seatbelt. Like, wow, you're really risking it.

You must have a good life insurance policy. You know what? It is true. Why would people do that, though? They like the feeling. of it. Really? Yeah. Not wise people, not wise. I'm just saying it's a tell. I haven't met a lot of like super broke people who just have like a naked iPhone. They got that thing in an otter box. It's been through war. It's all cracked up. I mean, but it's still alive. Oh, I love it. Oh my gosh.

But the truth is, no matter what iPhone version you have, always invest in protecting your personal info online with our friends that delete me. Yes, protect that information. Maybe not your iPhone, like some people, but protecting your information. It's a physical object, but the unseen is even more dangerous. So scary. And in 2026, how much our information is out online, and data brokers collect that data, and they end up selling it to other companies, and that puts you at risk for scams and fraud and fishing,

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Yep, join delete me.com. It is amazing. All right. Next step, we got two more, George. What is this one? Ooh, self-care. This really is the Rachel show. God, I love all this stuff.

What do you do with that? What do you do with that? I'm more selfless, so I care about others. Can I tell you what I'm about to do tomorrow? Oh, no. Speaking of self-care. Does it involve fillers? I've done.

No, I've never gotten filler, George. I'll know when you got fillers, trust me. I'll call it out. Oh, my Lord. You might be like 70 when you get them, but I'll know. You know what? I feel like when you reach a certain age. Did you get stung by a swarm of bees, Rachel?

And you're like, no, I just got some filler. I just got a filler in my lips. Can't move my face. Okay, so there is a place, and it keeps coming up from my insolm. because those algorithms, they're so powerful. They know you. When you stop somewhere for five seconds, think that looks nice, they just keep serving it up.

It's one of these, oh my gosh, I wanna say, choose your words. I know, I am. I can tell you're so cautious. Let me just go broad. Head spa. A head spa. What is that?

I wanna say it's a Korean head spa, or is it the Korean mask I'm thinking of? Korean mask, a different part of my face, my head. But they, you lay on a tail, George, and this woman washes your hair, massages your scalp, uses brushes, uses brushes, uses glove with spiky things, not spiky, like stuff on them. Okay. Your neck that rinses with this like wand that has, that has like a waterfall. And then she does it again. It does it again.

and you get your head massage and your hair washed for like almost an hour and a half. Wow. And it's... That's all they do. It literally gives me chills right now. And I booked it for tomorrow. And I, can I tell you... Is your first time or second?

Okay, it is my second. Or third. I went, I went, no, no, no, it was my second. I went like maybe two years ago. And it's expensive. I would imagine. Yes. I wouldn't want to do that for less than a couple hundred bucks if you ask me.

I know. An hour and a half. When I did it, the first time, I was like, that is life-changing. But I did feel like, God, you could get a full-body massage for that. Like, it did feel not wasteful, but I was like, I don't, that doesn't need to be, like, part of my world. But here's the girl math. So I took out my, I took out my extensions, obviously. So now my hair appointments are like a fourth of what I was paying.

So I was like. Saving on hair appointments? I can treat myself to one morning at the head spa. And I'm still going to be less than a hair appointment that I would have money on. Anyways, I am so excited. If people just, like, touch me anywhere, I'm like, I'll give you money. I will give you money. Just please.

Scratch my arm, massage my arm. I don't care. It is the best. You're really conniving with your every dollar budget. And we're just like, well, I want to move it here. I'm surprised every dollar's not like, hey, we've got to stop with the girl math. You can't do that. I know.

I know. It's been some girl math this month. Well, now that makes you want to get, Whitney that as a gift. It's, I'm not kidding you. And she doesn't listen to the show, so she'll never know that I'm going to surprise her. And I think the videos are almost more satisfying to watch than even the experience. Like even that's relaxing.

Just watching someone experience it. I'm going to show you. After we finish this episode, I'll show you a video. It's amazing. It's amazing. So, anyways, that's my self-care. That's my self-care this year, I will say. That's very exciting.

Yeah. What do you do for self-care? Let's see, self-care. I do an occasional massage. I can tell when my bodies, like, especially. Especially if I, like, move something heavy and I'm a little bit stiff or, you know, a little sore. Do you, like, massage envy or do you go, like, spa? I guess they're more of, like, a spa.

Yeah. I'm a man of convenience, so kind of whatever is closest that I've had a decent experience at. But it doesn't need to be, like, a corporate spot. It can be kind of a mom-and-pop location, but I do find those to be worth it. I mean, I get my hair cut every two weeks. That feels like self-care. That is true. It's not the most exciting.

It's not like I leave going, man, I feel great. I feel so good, yeah. But it's a necessary evil. in my world. You don't want to see me to skater hair again. You got to keep it up. Yeah, and I would say

some of that self-care is babysept four through six too. Yeah, and then even like therapy and counseling once a month. That's my current, you know, that's as much time as I can afford to it right now

but it's worth it. Yes, no, it's great. And they've been up charging. Oh, yeah. They know they're worth. They do, and they are worth every penny, I will say that, for sure. But I'm trying to,

what else falls into self-care category? that's what I think of. I guess like toilet trees and like nicer, you know. And I start like makeup maybe or is that shopping? Yeah. But I'd say,

and I think anything less than hmm, $500. I'd be okay in that baby steps four through six on this kind of stuff, right? And then something more extravagant.

Maybe like a luxury trip with a spa package and all that stuff maybe more Baby Step 7 and beyond. That's kind of what it feels like. I mean, a trip you can't really do for 500 bucks.

if you got a family and you go more than a few nights. But I just mean like those everyday purchases like what we're talking about. Yeah. I don't know. I just threw that out there. There's some of those like there's one here called South Hall. That's real bougie.

And you can do a whole like couple's spa day out there and spend a whole lot of money. That feels like Baby Step 7 to be. Yeah. Yeah. Especially if there's an overnight involved in one of their, you know, like a resort rooms. Yep.

For sure. But that's something to aspire to. But any of this, right? And again, some people value certain things over others, which is fine. But it is all about once you. you are a debt-free, you got your emergency fund, and you're paying cash for all this stuff.

And it's a little bit of that, like you can throw in the middle of the table and burn it and your life doesn't. Yeah. If you're, like, stressed out about letting go of this much money right now, that either tells me you need to break out of that sort of scarcity mindset

because you do have the money, it just feels like you're doing something wrong. You're telling me this, George. I'm freeing you. Thank you, George. Or you might go, you know what? That is too much to spend out of our world right now with the season that we're in.

Yes. Because you might have the kids stuff going on activities. But in the discipline of, even if you do have the money, if you do get in a bad cycle of just spending and spending and spending and spending on stuff that's not really improving your life, right? It's just sort of a habit, like a dopamine hit? That's what I would gut check that. But I will say taking care of your overall,

I think physical health is important, emotional health. And for some people, you know, like a therapist, like having someone, regardless of your baby step, but it's part of your rhythm in life, especially for certain seasons, like do it. Put it in the budget. It's hard to be financially healthy when you're unhealthy. in other areas. So if you need to include that in your budget or take some time to work on that part so that you can move forward financially, that's well worth it. We've told people that aren't

air. For sure. Hey, don't cut that or hey, you do need to pause right now. Yes. And deal with this. A hundred percent. Yep. But I do find whenever I am out, and probably at the headspot tomorrow, George, I'll probably pay with my fair one's debit card. Are you going to do it with a magic wand? Have you seen those? Yeah, I want one so bad. The star wands where they put their card in it? Yes, I love it. Oh my gosh. But fairer one's crazy. credit union you guys is amazing. So they actually have a smart bundle for all of the Ramsey listeners out there. And so you can have a no fee checking account, up to 10 high yield savings accounts, and the Fair Wins, Ramsey, Dead as Normal, B Weird debit card, which we love. And all together,

it is. We love fair wins. We were just switching money around the other day, put money, it was in the savings, dropping it into the checking and like all of it. It's great. You can have the 10 savings accounts, and so you can be moving that money around. for your goals and for all these things that you want to purchase, it's nice to store it somewhere that's earmarked for it, and so Fairwinds helps you. Yeah, you guys, so make sure to check it out, Whitney and George

use it, Rachel and Winston use it, and we love it. It's so freeing to just use your own money, and you don't feel guilty after. It's the best. So go check it out, go to fairwins.org slash Ramsey. We'll also drop the link in the description. All right, last one, George. Oh, this has been like a therapeutic episode from me. I feel like I had to say confessions, some conviction.

I think I need to go spend more. A lot. You know what? Maybe Whitney should listen to this because then she's going to be like, see, Rachel said, I need to go to the head spa. Yes. Oh, you're going to love this last one. Entertainment.

Oh, man. When you think about splurges, it's rarely on stuff that's boring and necessary. It's usually the fun stuff. What is entertainment? What would you consider that? Well, let's start with concert tickets. Okay. Here's the one that I've, over time, I'm done with this.

Nosebleeds. Every time I go, you know, nosebleed. I just saw Jerry Seinfeld. Uh-huh. do stand-up comedy and amphitheater. Yeah. Outdoors. And I'm staring at the screen that they're filming him on to just try to see his face.

Okay. Yeah. That was far away. Still a great show. Sure. But every time I go into the nosebleeds, I saw John Mayer at Bridgestone Arena in the nosebleeds. The sound was so delayed because of where I was all the way in the backseat. Bridgestone's tough.

And so everything he was saying, I would hear it three, four seconds later. That's terrible. It was so jarring and frustrating that I was like, why did I? I should just be home right now listening to a live album. What did I do? So that's one is splurging on better seats, I feel like, is now worth it at this stage of life. Yes. I don't feel like I go to enough shows.

Yeah, you're not really a concert person. No, backstreet boys, we know. You'll do that all day. We did buy tickets. Sports is another one. Yeah, we don't really, I don't go to a lot of sporting games. Sporting games. Now I feel like the sporty one.

Season tickets. When is the time to upgrade and get? season tickets if you love a team. I feel like that's Baby's up seven. Because that's, I don't know how much season tickets are. I imagine they're over a thousand bucks for most. Oh, I would assume. Unless it's just like a cheap crappy team and all the tickets are cheap.

But I'm thinking like, you tee football. I'm thinking of like, you, I mean, that's an investment. Like, that's a lot. Yeah. That's a lot. So yeah, yeah, tickets don't bother me as much. You know, I did buy tickets. Hopefully my kids won't listen to this episode before it happens because it's going to be a surprise.

Forrest Frank. Oh. My kids are obsessed. Really? With Forrest Frank. And so I went. But talk about, I paid, I guess I'm just not in the like concert world. So just shocking.

And we didn't even get great tickets. Like, I mean, it wasn't even like, but yeah, they were like a couple hundred bucks a piece. A piece? A piece. And I didn't, I wasn't in the like queue. Like, you know when they open up concerts? Okay. So they may have been like resell.

They were resell. Yeah. Yeah, y'all. That's a lot. And they're not even great seats. That's the problem. So I was like, man. But our kids have never been to a concert.

This is their first concert? That's special. They've been to Monster Truck, Hot Wheels Jam. And that was like $12. Now it's more my pricing right there. Yeah, I know. But this will be a good, they'll know every song. It'll be an experience.

I remember I went to Celine Dion was my first concert. Oh, that's fun. With my mom and sister. That's a memorable one. And I remember it. What was yours? Do you remember it? 30 years from now where your kid's going to be like, oh, my first concert was Forrest Frank.

And no shade to Forrest Frank. Oh, man. But, you know, Celine Dion. I know. As your first concert? I know. That's like me being like, yeah, Elton John and Michael Jackson were on tour together. It got to see.

It's like, that's crazy. Totally. I know. Yeah. Well, my daughter's first show will likely be blippy live. That's coming to town and I was like, should we? Are you going to do it? I'm thinking about it.

Y'all, that would be funny. But it's a 6 p.m. show. I'm like, hey, she's got a bedtime, guys. Come on, she's got a bedtime. She's going to be so hopped up. Oh, she'll love it. She's not going to bed that night. Yeah, we never did any of those.

Like, bluey, like there were certain, like, shows that would come to town, and we never, yeah, we've never done that. Worn into it. No. But that'll be fun for her. Good for her. Okay, well, I guess, you know, moral story, George, you got to get through those baby steps one through three. Yeah. And then four through six, there's some enjoyment.

Okay. relax you can you can have some fun. It's sort of a have fun but be reasonable. Yes, but then the extra over the peak, over the hill where you can do a lot more because you have more money, right? If you don't have a mortgage every month, like you have the ability to. You just freed up, you know, maybe two, three grand for some people. So, yeah, it's an amazing place to get there. And some people are getting there in their late 20s. I mean, we have people doing like their debt-free scrims paying off their house, you know, or some people, it's in their 60s, 70s, regardless of age. Got this, y'all.

And enjoy life, because here's the thing, you can hoard the money and you might have millions of dollars on your deathbed. And you might be going, I probably could have enjoyed some of that more. I should have gotten a good seat set. Slippy. Tight-fisted. And this is a message to myself. Yes. So this is not a-

Talking at you. I'm with you in this journey of how much can I enjoy. But at the end of the day, especially when you have a family, you want to provide them with a great life, great experiences without causing any level of, you know, entitlement. That, yes. and just the you know the wherewithal to have some delay gratification so when you do something

you can do it well right instead of doing a bunch of little things maybe it is hey we're going to save up for that concert and we're going to give up a couple of things to be able to go. Yeah. And generosity. That's a big thing you can do

and get to do more of as you have more margin. Absolutely. All right George, before we spill the tea on our guilty as charged segments let's share the details. What do you think?

This was the Fourth of July mock tale which it turned Republican real quick. It just turned to red as soon as we stirred it. That was not intentional. But it was really good. It's got grenadine, lemon lime soda, and blue Gatorade. Yes. And I thought it was actually really nice.

Okay. I'll give it a six out of ten because it's just, you know, it's a mocktail. Yeah. It tastes like kind of a berry-flavored sprite, if you will. Yes. That's probably a fair way of saying it. I know. I don't know.

It was just a little too sugary for me. Too sweet. Yeah. I think we used an olypop. in this one instead of Sprite. So it's even less you know, syrupy sweet, less sugar. I don't know. Maybe it's just my mood right now. Yeah. But I'm going to go five out of ten.

Okay. Yeah. That's very. It's just it's a very simple drink. There's not a lot going on. Yeah. For a mocktail. But actually the look of it at the beginning. Yeah. That could bump up a few points for me. You serve that at a party. It's going to be a real crowd pleaser. It comes up to 70 cents though to make this drink. Oh, there you go. Make a batch for the family.

Do it. Love it. All right, George. 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. All right, George, are you guilty of downplaying a situation financial or otherwise to keep the peace? Oh, gosh. For me, okay, this one happens in my family.

My dad is very, he's pretty frugal. And so he always wants to like talk about how much something cost because he's, you know, bragging about it. And so we got some like new, like Whitney loves antique. pieces and furniture. Like it's kind of a thing in her family, her grandma, her aunt. They love to buy these antique pieces. So we got some and they were really expensive. Yes. To where it could hurt my soul. But again, based on this episode, I was like, it's going to be great. We're going to be fine. We're going to be okay. It's going to look beautiful. And it does. And so my dad is always like,

how much of that cost? I'm like, I can't, I can't tell him. I can't tell it. I cannot tell him. But he'll throw out of ask though. Yeah. Yeah. You're just curious. Like, oh, what did you get that? I'm like, oh, how much of that costs? I'm like, um, I'm like, um, I can't, um, I'm. I don't remember exactly. So do you take money off when you say it? Yeah, so I always downplay it. I at least probably half it, if not more. Because it would just hurt his Middle Eastern soul.

I know, where he's like, George, what are you doing? Yeah, and he probably would have haggled them down because he's so good at that. Totally. So he probably just feels wasteful at that point. Yes. But that's something I've recently downplayed. Okay, that's good. So, like, I remember we checked into a hotel, and they ended up charging us more because

there were two of us, and I guess when I booked the reservation for me and Winston, it was just me. I just did one person, and I guess I should know that, like, per person is charged for the room. Is that a thing? For a hotel room? I don't know. They for sure don't charge more if there's two people versus one. I got a person charge on my bill. Maybe it's at fancy enough hotels.

At the Lakeinta, you know, you can have five people stacked in there. They don't care. I don't know. I don't know, but I don't question it. Like I'm like, I won't raise. Like, okay, if there's a charge, there's a charge. Yeah, absolutely. I will just be like, oh, yeah, no big, no big deal.

But in my head, I'm like, what? What? What? Didn't know that was a thing. But I'm like, I don't question it. I just keep on moving. Just play it cool. To keep the peace, yeah.

Wow, you're a better person than me. I know. I probably should have pushed a little bit, but, yeah. I will cause a scene. And that's funny. I'm more downplaying other people than the people I know in my life. What does that say about me? With strangers.

Yes. You like to keep up appearances. I like, I know. Is that an anagram three. Image management is what that's called George. Image management. I'm like, I'm easy. I'm cool.

I'm not high maintenance. But why did you just charge me an extra person for a hotel room? That's insane. Well, I just feel like it's happening more and more where I'm like low-key getting scammed everywhere I go. Yes. I order a kid's meal for my toddler, this taco place we go to. And it's eight bucks.

And it should be eight bucks. It includes a side. So I go, great. For the side, I will do the chips and guac. I look at the receipt and I go, extra $3 for the side, it should include the side. And this has happened multiple times. Oh, but it's because it's quok.

Well, I just think they're charging for an extra side to charge me. Because you can't see the screen as they're doing it. I just hear a total. And I go, hey, is that, is that right? Oh, yeah. You're getting scammed. Yep. And they always talk nice to me when they turn that tip screen around all of a sudden,

which again bothers me, and it makes me want to say, no tip for you. Stop that, George Campbell. I'm standing at the, I've been standing for 20 minutes to, for count. counter service. Oh, for the counter service. Okay, I'm sorry. I thought you meant at your table. Not a server or just a person taking my order.

Fair, fair. Don't like that. I know. Well, if you have a guilty charge question for us, make sure to DM us at Rachel Cruz and at George Camel. We love getting them. Guilty. We'll take the sip.

Yeah, we've gotten some good ones lately in the DM, so keep them coming. We appreciate it. And if you love this episode, you're going to love our episode. Are these common money habits broke, average, or wealthy? We will link it for you. And make sure to subscribe so you don't miss an all new episode. of Smart Money Happy Hour.