Smart Money Happy Hour with Rachel Cruze and George Kamel - Reacting to Outrageously Bougie Celebrity Homes

Episode Date: May 7, 2026

🏡 Get organized to buy or sell your home with our Real Estate Home Base.   Welcome to our crib! Today we’re peeking into “The Fabulous Life” behind the bougiest real estate in America. From luxury celebrity homes to billionaires in Nebraska—you don’t want to miss this.   Next Steps: ·   🎙️ Catch our episode Answering Your Top Housing Questions ·   🍸 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 20% off with code SMARTMONEY at Cozy Earth.   Today’s Happy Hour Special: 🍹 Purple Rain       Recipe by: Art of Drinks ·   1.5 ounces of vodka ·   1 ounce of blue curaçao ·   2 ounces of cranberry juice ·  2 ounces of pineapple juice   Instructions: In a cocktail shaker, combine the vodka, blue curaçao, cranberry juice, and pineapple juice. Fill the shaker with ice and give it a good shake for about 15 seconds.Strain the cocktail into a chilled glass filled with ice.   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

Welcome to our crib. Today, we're peeking inside the bougiest real estate in America, from luxury celebrity homes to billionaires in Nebraska. You know it's just a little too late. You know, it's just a little too late. George Camel. I can't. It's called sunk cost fallacy. I can't.

You have added so much stress. They would have funded my kids college twice over. Oh, my gosh, George Camel. Hey, guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money. Happy Hour. Cheers, George.

Cheers. Hmm. That's refreshing. That'll peak your interest. 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, Rachel, let's talk about what we're sipping on here.

This is a beautiful purple drink called Purple Rain. You know who sings that? Prince. Nicely done. I won't sing it because I don't sing in public, but I'm humming it in my head. Well, we're going to give you a rating and reveal the cost per glass for this cocktail at the end of the episode, so stick around for that. And we love this sound, don't we? Just a little.

That really whets the appetite. Just hear some ice clinking. Yeah. A lot of ASMR or whatever it's called. Yeah. I'm surprised you know that. I do know that. I'm proud of you.

It's very satisfying sometimes. You know the best ASMR? What's that? Rug cleaning. Oh, yes. We won't get into it, but the swish and the squeak and the squeak. Oh, it's the best. It's the best. It makes me so happy.

The sound, the visuals. I know. Okay, well, we recently discovered that George has a new talent. I've had it. I just haven't had to use it ever. Well, it is an accent. You can do impressions. So give us... That's a strong... I can do them better than you. The bar is low. All right. Let's see if you know this one. Okay.

Some celebs have a Malibu mansion. Others, a ski lodge and veil. But there's one who vacations in Cabo next to... Mark Zuckerberg's yacht. This is the fabulous life of Rachel Cruz. That's as best as I can do. I'm dead. If you could do that like

skull emoji emoji. That guy, I don't know I already know where he's from. It's an indistinguishable. It's not quite British. It is. It's got some Brit to it. A little bit. Golly. Do you remember that show though? The Fabulous Life on VH1? It was

so good. It was so good. Our obsession with celebrities' lives and homes. And now we don't have that, but we do have the architectural... We got the original clip, though. Oh, we do. Okay, if you don't know that reference, here's a clip from the original show so you understand how good the fabulous life was. Plus, do you think she's just living off daddy's money?

Wrong. This is the fabulous life of Paris Hilton. There you go. That's all you need. See how close, my impression was? It did really good. You probably mistook it when I. I was saying it. You did good. Well, we don't have the fabulous life anymore, our IPVH1.

Or Cribs. Is that even a channel anymore? Our Cribs was MTV. Yes, MTV had Cribs. Fabulous life felt a little more like. It's a little classier. Because you got to see the planes. You got to see like, she could buy face lotion. Cribs went a little more humor. That would fill up the country of Cuba. You know what I mean? Like they always like give these comparisons of like, she can buy enough of and they fill it in. And you're like, oh man. We don't have that anymore. But we do have YouTube and architecture Digest has these celebrity home tours that are a little bit creepy

but they're fun to watch. It's not the one that is like a one take through the whole thing. No, that's a different, that's like the GQ. Oh, okay, okay, okay. With like 48 questions with Taylor Swift and it feels so forced. But it's like, it's like a one take in their home though. I don't want to hear the cameraman. Going to be honest,

not interested to hear their voice. No, but this other one is classier, would you say? Yeah, it's like a, oh, come on in. Wasn't expecting you. Clearly you were. Here you are. Dakota Johnson Dakota Johnson Do you remember that one

I know See I don't feel Up to my pop culture In this reference But she gave an AD home tour She has a famous She has famous parents too Right wasn't she like a Hollywood

Yeah I think Don Johnson If I'm not mistaken Something like that yeah It was she did a house tour Right That became like kind of infamous She had a table made out of wood From Winston Churchill's yacht

Now that's something Dave Ramsey Would want to own I could see him wanting that So Dakota, if you're looking to sell, got you a buyer. But here's the drama around her home tour. Yeah. When asked about the bowl of limes in her kitchen, she jokingly said, she just really loves limes.

I love limes. I love them. They're great. I love them so much, and I like to present them like this in my house. When she mentioned in another interview that she doesn't like limes, people called her a fraud. What a fraud. Who knew? Golly.

The internet is sleuthing. They know. They'll catch you in any lie, George. But that's probably something I would say, even if I didn't like limes. Like, it's just funny to make I really love limes. What can I say? I know. Well, sometimes we say stuff that in the moment feels right.

And then you watch you back and you're like, oh, I wasn't that passionate about. Well, who thinks they're going to be questioned for a bowl of fruit? For a bowl of limes. Interrogated even. So she later explained that production put them there and apparently people can't understand sarcasm. Which she has a pretty dry sense of humor. Yes. If you've seen her like on SNL or one of those.

Yeah, yeah, yeah. That's her style. Is it kind of low-key. Just really love lines? Just a little chill. Just a little chill. There you go. Okay, well, I think we should go through some of these home tours.

Because the home market right now, the housing market, it's like a bus, right? Prices are high. Interest rates have been higher than they were years ago, right? The two, three percent. So I feel like we're all into the housing convo. And we kind of want to. And we all secretly, Zillow, doom scroll and look at homes we can't afford. Let's just peek inside some of these celeb homes.

Well, the video tours are now a thing for a normal home listing. Yes, they'll do that. 100%. Yeah, like fancy video walkthroughs and the 3D. it's really come a long way. It has versus just pictures on the MLS, you know? Pictures don't do it justice. You ever walk in the room and you're like, wow, they really made this look better and bigger.

Well, you know this because you're artsy. But like... Thank you. It's like as a compliment, but it felt like a slight. No, but like the angle of a camera, like what it can change, right? Yeah, so wide lens. Yes. They make the room look a whole lot bigger.

Yes. That walk-in closet looks huge and now you're in person and you're like, this is time. You're like, it's not even that big of a deal. Yep, totally. They make sure every light in the house is on, as much natural light as possible, clean everything off the counters. You want to make it look like you can picture yourself living there, not like, oh, Joe lives there. We looked at a house. Yeah, what happened?

Well, it was the house that needed to be sold in order for that person to buy our house. And we had very little faith because there was like bright magenta pink, like, cat blankets and pillows. And there was a cat jungle gym on the back patio. Oh, no. That was like fenced in, like a nine-foot jungle gym for the cats. I'm like, lady, this is never going to sell. No, take your cat stuff away. People don't want a house that the cat was there.

You turned down that buyer because we were like, that's too risky. And I was right, it took a long time for that house to sell. Wow, so when the buyer came to you to buy your house, they had. It was contingent on their home selling. So then you said, let's go look at theirs to see if theirs will sell quick and you saw it. You said, you know. I looked at the listing, and it was priced too high to have a cat tower. What a forward thinker you are.

You remember Whitney? Well done. Okay, well, let's go to some Celeb Home Tours. Okay. There was one with Jojo. And this one was a Cribs episode. Yes.

Okay, so we're going to go back in time a little. Can you name a Jojo song? It's a little too late. You want to sing it for us? Nope, I don't. But you go, George, you know it? I just know the little riff at the end of the chorus. Give us a little something.

Give us a little something. you know, it's just a little too late. Yes. You know it's just a little too late. That's a little bit higher. Yeah, yeah, yeah, yeah. A little falsetto never hurt anybody. Well done. Good, good voice.

Thank you. I love that. I love that. But yeah, let's go back to the Cribs era. We'll go back with a little nostalgia because of Jojo. And actually her episode of Cribs, she later confessed wasn't even her house. Isn't that crazy?

That's like when people go on like a private plane now on Instagram and they like shoot videos and they like rented it. Yeah, they like rented it for an hour or something stupidest. Did she not have a house? Why not just use her house? No, I just don't think it was good enough for Cribs. So she felt the pressure. See?

The pressure's always been there. of the social pressure, George. It's always been there where you feel like you've got to be a little bit better. Oh, it's so tough. But you know it does make you a little bit better?

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I know we talk about it a lot, but I do because it is a product that I feel like I can stand behind because all this stuff is such quality. And it just, it holds up. Like, it's amazing. Yeah, and it makes a really unique gift too. Yes. Because nobody's thinking about it, but you give it to them and they go, oh my gosh, I didn't know it's missing out on life. I didn't know I needed these joggers. Oh my gosh. Love the men's everywhere, pant.

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We'll drop a link in the description as well. All right, Rachel, we got the laptop set up. Let's check out this clip of Jojo confessing in the interview. The Humble beginnings. One of the things that I wasn't even prepared to bring up in this interview, but when I said Jojo's coming in, so many people said, oh my God, you have to ask about her Cribs episode. Let me tell you about that.

I don't know if people know this, but that was my, like, that's the richest person in my family's house. So we went to the Cape, which I've, like, never been to the Cape. I, like, never go to the Cape. And we said that that was my house. Oh, that wasn't your house? No. Wow.

Is that a bombshell? Is that going to blow people's minds right now? I had, like, no. That was not my house. We brought in some, like, items that I had. My mom and I were living in an apartment in New Jersey at the time. But yeah, we went to my uncle Scott's place in Wareham Mass. Thank you, Scott.

I so appreciate you letting us use your house for my iconic crib's episode. That is so funny. Yeah, full of crap. It's just it's all lies. George, that's, that is real anymore. Here's my thing. Why not just decline and go, hey, I don't think it's a fit. Because, look, did you see her, though?

She was like 12 years old and she had her first hit. MTV wants to do a spotlight on you. You're going to say yes. And your publicity is just like, hey, do it at all costs. And there's a part of me. I'm like, I can see how she did that, though. Like, right, number one, she looks like she's 12 and that. She's probably 16.

Yeah. Her mom and her are living in an apartment. If you're her mom, I think about this, that'd be me. So she's probably, like, mid-40s. Like, that'd be me with Amelia being 16, so it's six years. Okay. Right? And you're like, your girls just made it.

And MTV, you're going to do the best. Like, I get how they did that. Even though they kind of lied. I get, yeah. Right? That's a pretty wild lie still. I know it is. But I don't put it on Jojo.

I do think there was other people in her life that basically forced her into this. But what are they going to say? We're going to go to an apartment? Because then Cribs would probably be like, oh, never mind. And then they lose that publicity. That would have been a great episode of Cribs to see how humbly she lives. But that wasn't the, that is the opposite of Cribs. I know.

The flashiest, you don't even mean. Like, I see how it happens. So Jojo, I don't blame you. And I love her like honesty and her confidence in it now. Where she's like, oh, no, this was all. Like, give me. I love it. I just love her honesty now.

Well, that was a good start. Hopefully the next few we watch are their actual home. Otherwise, why even watch anything anymore? Is anything real? Okay, let's do Gwyneth Paltrow's. Okay. Let's check it out. She did some.

So this is the entry right here. Beautiful. We built this from the ground up. So this first time I've ever done anything like that, it was quite an undertaking. I think having spent so much time as an expat in Europe and really falling in love with George. proportions and those kind of details. I really wanted the entryway to feel like its own special room.

And so with the architects, we conceived of having a fireplace, which is something you see a lot in Europe and an entryway, and it just gives this really nice feeling of warmth and welcome as you come in. The tiles reminds me of, you know, as I said, my time living in London and just a detail that's classic and traditional. I really like the mix of having the things that are sort of systemic to the house. They're more traditional. We have reclaimed fireplaces and old floors.

And then I think it gives sort of leeway to have a more contemporary, like mixed experience with the furnishings and stuff like that. I wish I had some time in Europe to compare my architecture. That's what I love is the like, well, of all the places, I want to have a little taste of everywhere I've been and lived. And Georgian proportions. Georgian proportions. A little shout out to our short king on the show. I may use that. Next time Winston I walk through a house and he critiques something.

I'm going to say, yeah, the Georgian proportions. portions here. Are you missing? Are you talking about the country of Georgia? I don't know. Is that a reference that I don't understand? Remember? Well, what does she mean systemic?

I don't think she used that word correctly. I don't even know, but it is beautiful. I like a clean look. I do like, this was a really nice house. Yeah, that was beautiful. Tastful. Yes. And kind of almost like minimalist,

and it wasn't doing the most. Yes. Well, it looks like a court, like the courtyard thing that I feel like that is kind of European with like a fireplets, like an indoor entryway. Oh, yeah. But yet it like feels out. I don't know.

It had like a mix of all the feels. See, this is me as a designer. Do you like all that? Yeah. We should have had Winston Cruz on for this one because he knows. Famously. Oh my gosh. He could talk about the baseboards for hours.

I know. Okay. The crown molding. Let's do the next one. We got a Kendall Jenner. You'll love this one. Kendall girl. Is that what you call her?

Kendall girl. I just remember her cutting a cucumber one time and it was one of my favorite. Oh, that was wild. Just. I was. scared for her finger. I thought, oh no, Kendall. Like, why would you do that on camera when you know you don't know how to cut a cucumber? Like, just choose a simpler vegetable.

It is one of the most simple vegetables. I guarantee you a producer was like, hey, do that, but while cutting a cucumber, she was like, uh, okay. Nervous. I can see her out. She's just like us, so relatable. She's just like this. This is the kitchen. We wanted a really open space, hence it's kind of connected to the family room. When building the house and kind of figuring out how we were going to get the most light,

This skylight came up and I thought how perfect in a place but snows. Very 90s. Really beautifully and I think it creates such nice light in here. So that was a really genius idea on the architect and designers part. For a while we were playing with so many ideas. Is it a color? Is it yellow? In the end, I kind of sat with it and I was like, there's so much going on in the house that I wanted to feel a little bit more neutral. So we used the floors and the range and the details, like the little

curtains at the bottom of the sink and all those things as the pops of color. And I'm really happy with how it turned out. I think I definitely built this house more for my friends than I did for myself. Every time I come here, there's a million invites out for any one of my friends, and all of them are pretty much down to come. And it's just really good vibes. So I wanted to create a really fun, peaceful place. And this has become that.

Wow, Kendall, would it give her? She built the house for the friends. It wasn't for her. No, it was for the friends. That's so good. You know what? I did kind of say that when we built our house, though, like, for our kids and their friends. You want a host.

You're like, we're going to host a lot, so we want this. So you know what? I'm kind of making fun of her. I don't mean to Kendall. And honestly, it's a gorgeous house. Okay, quick question. It has the modern elements, but it has a lot of these old school traditional feel to it too. Okay, do you like the blue oven.

I wouldn't do the blue oven, but I can understand the appeal of the blue oven as a kind of a, you know, a what's it called, a nod? Yes. Just a pop a color. A little pop a color. Yeah. Okay. To like the vintage world. Yes, yes.

But it's a space that is very inviting. Like, I want to hang out in that kitchen. I know. And I love a skylight. I kind of forgot you can do a skylight. That was like 90s, right? Wasn't that like a big thing in the 90s? You'd have like a big skylight in the...

I don't know why we got away from them. Yeah, put a window in the roof. Is it expensive? Is it like a danger thing, you know? I don't know. A window in the roof. Who would have thought you? Why not more?

Why not more? The sun's up there, guys. You have to hope that it comes around the sides. That's pretty good. So true. I like that. It's so true. I like it. Okay. Should we build a house for the Smart Money Happy Hour crew to hang in?

Yes, that should be our motivation. Like a Smart Money Happy Hour clubhouse with like a little speakeasy bar. Oh, that's fun. Maybe one of those like faux bookshelves that opens. That's my dream. In a future home one day. Just a little smart money happy hour nook. And a cozy nook. And you can invite people over and they're going to say yes because the vibes. Come for the vibes. Come for the vibes. Stay for the cocktails. That's my tagline. All right. Next, a little John Stamos. So Uncle Jesse. Remember Uncle Jesse? Remember Uncle

Jay, Uncle Jesse. He's in Beverly Hills. $5.8 million. That feels reasonable for Uncle Jesse. 5.8 million. Guy's probably worth $100 million. Really? You would hope it was one of the greatest TV shows of all time,

and he went on to do other things. I guess so. He was the fifth beach boy famously? No, he wasn't. Was he? Google it. $25 million. He's worth $25, a quarter of...

That's by... Like Google. Celebritynetworth.com. Okay. They don't have it all. John, we're going to say a $100 million for you. You don't buy a $6 million home when your entire net worth is $20.25. I don't buy that.

This is one of his many domiciles. George, you are a financial expert, though. What you would do and what other people would do, two different things. Welcome, everybody. Oh, look at this. This is how I found that he was a boy. We had a box, and there was a pink have mercy and a blue have mercy. And the blue one was on top.

And that's a... You don't have to take your shirt off? I should have learned. Kids will always upstage you. Where's mom? Okay, I'll tell you, but didn't you want you to talk about the house, by the way. Are you directing this? Just curious.

Well, this is, I would say this is my first adult home. This is the first house that I really feel that it just, it's me. It's an adult version of me. I wanted a house that I could put my feet up on and have people over. Yeah, Uncle Jesse. I mean, this couch has been here 13 years. Don't ask any questions of it. But everything is just, you know, steering.

you know, sturdy and funky and cool. Yeah. Like me. I don't know a lot about decorating. I had this friend of mine who worked on Full House. She was an assistant to the director. And then she became a very famous designer. I was like, Chris, could you help me do this?

And since she knew me so well, I had her. Chris, she's here too. I remember when you did everything and I walked in her, I just started to cry. She was like, stay away. But it just felt like me. It's beautiful. I felt safe.

You know, it felt like a safe, warm environment. and I just love it. I'm glad. So good. I like this. He's got kind of this like rustic. Yeah. Rustic funk.

Well, he had his first, he said his first adult home was what it felt like at 56. So millennials. Pretty wild. You got time. You know, everyone's Russian. Yeah, if Uncle Jesse can wait, you can wait. If he can have delayed gratification, so can you out there. And I love the nod to his career with a little have mercy onesie, his iconic phrase.

Yes. He seems like a good family man. He's aged very well, I might add. Yes, he's still very handsome. What he's, John Stamos is doing for skin care? What do you think he's doing? And his hair. You think he got hair?

Yeah, great hair. Great hair. I don't know, it seems like his hair was always his thing. Yeah, he always had good hair. Just good genetics. I think it's the Greek. Don't touch the hair. I mean, that was one of his things in full house.

Oh, that's right. Don't touch the hair. That's really good. Well done, John Stamos. Okay. Up next, our girl, Hillary Duff. Was she on your celebrity prayer list? No, Hillary never has been.

Even though she had a little mom drama. Did you hear about that whole thing? Do you need to fill us in? You know, she's not talking to her sister either, so maybe I should add her for her and her sister's relationship. It just doesn't feel as urgent to me as getting Brittany, you know, off the stuff, you know? That's what we're really hoping for. Hillary seems like to have made a great comeback, so. Yeah, Hillary's not as worried about Hillary.

I think she's like going on tour again. Oh, with the pink pillows. So I bought this house about eight years ago when I was pregnant with my son, and it looked a lot different. I've actually remodeled it twice because I have a... small addiction. Luca, do you want to come down here with me? We're gonna go into your room next.

Maybe you can do the tour. There's donuts in the kitchen. Aww. Good talk. So one of my favorite pieces of furniture in my house is this credenza. I think it's from the 50s and it reminds me of a corset. One of the first big purchases I ever made in my life,

I think I was 18 or 19, and I thought about it for days and days. about it for days and days and days. And then my mom always likes to point out that I have completely destroyed it by like coming in the house and setting my coffee down or my water. Oh, no. Look at that. And it definitely gets pretty beat up in this household.

But we live in this house and we're hard on this house. Good for you. And I think that's what makes it feel like such a home. That's a nice vibe. You know what? And you know what I love? She said, we're going to live in the house. We're going to live in it.

It's not made to be an art piece. No. We're going to use it. Enjoy it. Enjoy it. Enjoy your stuff. Enjoy it. Especially with kids.

I know. Like I realized, it's all out the window. When you got little kids and dogs, what were you thinking? 100%. Assuming that furniture would never get damaged. Yes.

So, yeah, buy something that's not going to make you... All the time. Like, oh gosh, oh gosh, oh gosh, oh gosh. You know, enjoy your stuff.

So buy at the price point that's not going to like make you collapse if something spills. And same with the cars too. Like enjoy your cars, right? Like some people, like, they buy something like,

oh my gosh, no one can do anything. Drive it three times. a year. I'm like, why don't you buy it? I know. So you're like, enjoy your staff. Way to go, Hillary. I like, and I do like seeing the kids and the dogs, it humanizes celebrities in a really nice way. Yes. You forget that like, oh, she's a mom. They're just like us. To like an eight-year-old kid. You know what I mean? Who like, basically ignores her and that's like, yes. I think, I don't have a study on this, but I think celebrities that have children are more grounded and probably have

better lives. Oh, wow. Because it takes them out of like, it's all about them all the time. especially on the celeb aspect. It forces you to be selfless. Because you're already living in a world that's catered to you. Yeah. And then if you have little humans in your life that are like, we don't care

who you are. Yes. You still got to change the diaper and pick up the dog poop and you're like, okay, this is it. There's Cheerios on the floor. Yeah, yeah, yeah. That's what makes them relatable.

I hear you. I hear you. So I like that. And I think she has good taste. Okay, up next is Amanda Cyphred actress. And, oh, I cannot. Okay, this is a New York.

It's a peaceful New York. Come. My gosh, I love this. So this kitchen is open, very airy, very light. Honestly, I don't know what this is. It's a pot filler. But my husband wanted it. Never used it. But it looks stunning in a kitchen. It's mostly for aesthetic. Let's be honest. It makes it seem like it's a gourmet kitchen. One day. But it isn't right now because I'll tell you who hasn't cooked here yet. My husband. Like most New York City apartments, we have this amazing feature, which we couldn't get rid of even if we wanted to. And I don't know if you're interested, but I can do my own wash in my apartment, which is a luxury for you New Yorkers. You know that.

That's the powder room. It's tiny. It's got a pocket door because that's practical. Wow. It was Sarah's idea. I was like, do we need a powder room? And she said, yeah, we do. So I'm going to, no, I don't have to go.

Man, that just, is that funny how it, the, um, the ratios change from like a house. Oh, to a New York apartment, right? You're like, oh my gosh. So different. It's not a gigantic laundry room. It's just a little closet door. Yeah, you get a little closet, a little New York place. Man, that's impressive.

I love that she said, um, yeah, I don't even know what this is. But my husband wanted it. Uh-huh. Let him have a win. Did you have one of those things? Was there a thing Whitney wanted that you're like? Most of the things were things Whitney wanted. And I was like, okay.

We did get a pot filler. That was something I fought for. Yes. We use ours a lot. I think it just fills out the back wall a little bit. Do you all use it though? I have used it maybe once. To be honest, I don't fill a lot of pots.

You're not boiling water for like macaroni and cheese and stuff? Yeah. Not often. I just take it to the sink. I think we boil water. I think I forget that it exists. All the time. I think I'm boiling water all the time.

You're always boiling water. Because there's always mac and cheese, something that needs to be... Spaghetti. Yeah, yeah. A lot of pasta in your house. I know. Sounds delicious. Well, I'm jealous.

Winston's on keto right now, and so we're not much for him. What is he eating? Hope and prayers? Vegetables and chicken. August of wind? A bowl of ice? He's got alfical, too, so he can't do any meat. It's a lot of chicken and a lot of vegetables.

I got to get him a good chicken recipe. It's a very boring diet that he's on. I got a chicken recipe for him. I'll send it to him. It's very, uh, Very disciplined. That's nice. Very disciplined.

I do like this home, though. It has like nice pops of color with the books and the flowers. Yes. It's not trying to do too much. Yeah. And I like that it really is cozy because it's a New York apartment. Yeah. And sometimes you miss coziness in these expansive homes that almost feel cold and empty and sad.

I know. Totally. 100%. I love that. That was nice. I enjoyed that. Yes. That was fun, Rachel.

I don't know what it is, but it kind of humanizes them to see them outside of a normal environment, like a media interview or a movie. You go, there's a real person, real life, real kids, real dogs. I enjoyed that. We love a little glimpse in the people's homes. You know what else I love, George?

What's that? Fair ones credit union. What's not to love? I know. So when you are out shopping and you've got to swipe a debit card, I take my fair ones out and it says dead as normal, be weird. And it is one of my favorites because I did the smart bundle where you sign up and you get a checking account and you get a high yield savings account.

And you can have up to 10 of those accounts. For all of your sinking funds. All the savings accounts. Things you're saving for, vacations, a car. It's amazing. So, Fair Winds, they have great rates. They're just amazing. They really are, especially in the high-yield savings genre.

They have a great savings interest rate. So we love everything about them. Even their app. Oh, yeah. It's so user-friendly, you guys. It is. To transfer money back and forth, like whatever you have to do, they make it so simple. Look what I did, Rachel.

I added my Fairwind's debit card to Apple Pay. Yes. In just mere seconds, you hold the car. on the back of the phone. Yeah, yeah, yeah, and you just use it. It's there. And it's the same exact graphic that's on the card.

So now... I love it. Even if I'm walletless, I can still pay with my Fairwind's debit card. That's what's up. So go check it out. Go to fairwins.org slash Ramsey to open your smart bundle today.

All right, let's do a little rapid fire real estate Q&A, George. Okay. When it comes to still the celebs. This'll be fun. Ready? Which billionaire still lives in Omaha, Nebraska? Warren.

At the home he bought in 1958. Warren Buffett. Buffet. Legend. One of, I think he's, what, like the second richest guy in the world or third or something? Sure. Who knows now these days? Crazy.

But as of early 2026, he's worth just under $149 billion. And he paid just $31,500 for his home that he still lives in. He truly is, like, he goes to like McDonald's and just drinks like Dr. Pepper. Like, he's the true, like, old guy who just doesn't give a rip. And he just doesn't need it. He's like, I'm good. Who's he trying to impress? I'm good.

All right. Next up, which Grammy awarded musician recorded her day? debut album in her childhood 1,2008 square foot home. Well, we know it's not Jojo. Just a little too late on that. I'm going to say Adele. False.

Billy Elish. Oh. Wouldn't have guessed that, honestly. That's some fun trivia. Her parents still live there as of 2024. I know she loves her family because she does everything with her brother. Yes.

Like he's a big part of her music career. Okay, George. There's four celebrity couples, which of these did not lose their homes? And last year's... It's sad that many lost it that we're just going, Who didn't? Wildfires.

I know. Heidi and Spencer Pratt. Chris Kardashian, Corey Gamble, Mandy Moore, and Taylor Goldsmith, or Adam Brody and Layton Meester. Okay. I know. I think I heard about Heidi and Spencer.

Yeah. Big fan of Mandy and Taylor. Yes. Because of Taylor's music career. And I do remember Adam Brody talking about this. So it's got to be Chris. Yeah. Chris made it out.

The house made it out. I'm scathed. Did she hire one of those private firefighting companies? You know, probably. I heard that was a thing. Who's not to, you know, as long, well, I guess that is that a little, is that a little sketchy because they ran out of water?

Yeah, there was a moral sort of thing that people were upset about. Yes. But, you know, what wouldn't you do to save your home? Do you got it? I don't know. Yeah. All right. Next up, Taylor Swift's real estate portfolio was valued at approximately $123 million,

including a historic Rhode Island coastal home, a tribe back at townhouse and a Beverly Hills mansion. Which are you choosing as an Airbnb? No right. wrong here. Probably the New York. Yeah, you're a New York gal. She bought like a full building.

Like that one we saw. Oh, yeah. Yes. Who was it? That had a little washer and dryer. Oh, oh, Amanda. Like, no, no, no. Taylor's is like a mansion

in the middle of New York City. Yeah. Basically. So I'm going there. I'm going to summer at the Rhode Island coastal home. We don't get to choose all three up one. But I'm doing fall to Tribeca townhouse.

Then winter I'm going to Beverly Hills. Final answer. Great, George. That's why you have multiple homes. Yes. But no, I do think the Tribeca townhouse, I like something a little cozier. What am I going to do with a giant mansion? Yeah, with no friends.

Who am I going to call? George, we'll hang out with you. Thank you. We will. Okay, which Star Wars legend has a house named Skywalker Ranch, complete with a man-made lake called Lake EWalk? Yeah, you nailed it. I could barely get through this, y'all.

This is the craziest thing I heard. That was a lot for you. Is it? Mark Hamill. who played Luke Harrison Ford who played Han Solo Carrie Fisher who played Princess Leia or George Lucas the director

Well I mean if you're Han Solo You're not going to make Skywalker Ranch And I doubt Carrie Fisher That feels like a dude thing I'm gonna go with the director Yeah it's George George Lucas Wow I guess if you're like the

George Lucas I guess if you made Star Wars You get to do what you want I mean wouldn't you have like a Ramsey Ranch or something Nope Not for you Don't think I would Not even in like an influential

winery way? Nope. Okay. Don't think I would. Imagine Winston out there on the ranch. That's a dude thing. Dave would. Well, of course. Dave would.

Well, that's why he could, like, the creators. But you wouldn't have a TV show with Winston where it's like you guys living on a boozy ranch? No. Do I have to dream up everything for you? We're not that cool, George. We're not that cool. Okay, the last one. What's one thing in your current home that teenage you would freak out over?

Oh, man. Mine would be the pool. Oh, yeah. The pool is legendary. Give me a high school. Yeah, Rachel in high school. We always went to the friend with the pool. Well, it's the most fun thing in your house to do.

For sure. Yeah. What about you? You know, for some reason, when I got the speakers built into the ceiling in the living room, I was like, this is it. It's like a childhood thing. Yeah. Yeah, yeah.

Because I think growing up, if we're speakers in the ceiling, I was like, you are a billionaire. Yeah. And when I found out you can just pay for that, I was like, absolutely. Yes. That's a good one. The sound system. Yes. That's good.

I love it. I love it. Well, I'm glad that you are protecting that inner child of you, George. You're really speaking to them. I know. But you know what else you have to look out for as adult George and protect him, especially online. And that's where Delete Me comes in

because Delight Me comes in and removes your information from all these data broker sites. And you guys, this is information that you don't even know is out on the internet. Like your old home addresses are out there, cell phone numbers, email addresses, your kids' names, your parents' names, your aunt-uncle's names, like everything that is attached to you, they create this whole profile of you, and they sell all your information to these companies,

and then that puts you at risk for scams and fraud and fishing and all of this, and we don't want that. I had that happen, and they used an old address I didn't even live at to commit the fraud. Oh, my gosh. Yes. So I'm very glad to know that in today's world, I don't have to worry about that. Thanks to delete me, they scour the Internet for me, removed it from these sites, send me a report. It's so incredible, and it's worth it, especially if you're, especially if you're, married, have a family, you got to have this.

So go to join deleteme.com slash smart money and you'll get 20% off their annual plans. Okay, a little hot take, George. You know, if you're a, if you're a homeowner today at any level, you're doing really well. You're doing great. I mean, seriously, like, that is a dream for a lot of people. So if you're feeling a little average because of all these celebrity. But I don't own that home.

Yeah, or like my kitchen doesn't look like that or whatever. Homeownership in today's world, like, good for you. It's already a win. You're doing great. You're doing better than most of the world. if you own a home. Because most of the world doesn't. It's a very American thing to be so focused and gung-ho on home ownership.

So just know that if you own one, be grateful. If you don't own one, it's not too late. No, no, absolutely. You still got plenty of time. You could be like old John Stamos at 56 getting his first adult home. That's right. So, yeah, so remember, you want to be out of debt and have a fully funded emergency fund and have at least 5% to put down on a down payment.

and your mortgage payment should be no more than 25% of your take-home pay on a 15-year fixed-rate mortgage. That's kind of the parameters of it. Yeah, and then once you get it, though, I think there is something about the contentment piece that's big because we compare so much of our lives, right?

From, like, your job versus someone else's job. Or what your parents own versus what you have. Yeah, all of it. And I just, yeah, there's something about putting the blinders on, especially with homes that it's good. You know what I mean? Like, you're doing it. And you can upgrade later.

You can do some renovations. Like, you can always do something different, but the gratitude in the present is really big because you're always going to be chasing the next thing, right? Even if you build a house. There's always another thing you can do. Yes, there's always like the regret of something here, whatever, right? So like, just enjoying where you're at, I think is really important. And homes are the most visible form of wealth you can own.

And so it's just the easiest thing to compare. And you don't know the details of their life. You don't know what's going on inside the home. That's right. The stress, the chaos. Do they have a he lock and things are tight? maybe it's paid off and they're living a great life. Either way, what good does it do you to spend all of your energy on that?

Yeah. Yeah, so the comparison game will end it here together, y'all. Let's practice that. It's done after this episode. Especially on the homes. And if you're thinking you're one of those people who's like, must be nice, well, listen, there are things that you can do to reach your home ownership goals, and I would start with Ramsey's Real Estate Hub.

Tons of resources on there to help you do it right. We'll drop a link in the description. All right, before we spill the tea on our guiltiest charge segments, Who finished it first. I'm going to say me. Yeah, you were thirstier. I was. Which I noted before we started filming that I've never seen you drink water.

Have you? Yes. I don't carry around like a water. I've seen you drink coffee. I drink a lot of coffee and a lot of tea, which I think both those things dehydrate you. But no, I will, I try to chug. You never complain though. I try to chug like two bottles of water a day.

Which would be what, maybe 32 hours? to, yeah. And you're supposed to drink, what, half your body weight? Half your body weight is what I've heard. I don't think that's true. I think it was debunked by MythBusters or whoever or Adam ruins everything. And he was like, when you're thirsty, drink water. Oh, well, there you go.

And it's like your body will tell you when you need to be hydrated. Okay, that's good to know. So don't focus on, if I didn't drink 64 ounces, first of all, like, unless you have a catheter in all day, it's just too many bathroom trips. It is funny. I've seen the memes about the wife who's like, you complain that you have a headache or that you have to sneeze or something in your husband. Oh, drink more water.

Yes, that's what I need to me. It's like, every time I complain about anything, she's like, have you had water today? Have you drank water? I know, I love it. I can be like, man, this weather's bumming me out. Yeah, have you had water today? Did you get some water? It solves all problems.

Okay, what am I? I'm going to rate this. I'm going six and a half out of ten. Okay. Because here's my thing. I probably wouldn't order it at a restaurant. But if someone served it to me, I'd drink it. Sure.

So there we go. That's a good level. bar. How's that feel? I'm going I'm going four out of ten. Mm-hmm. And that's lowest, that's one of the lower ratings I've given. It's really not bad at all, but it just did nothing for me. It's not

punchy enough. It didn't have enough sour, it wasn't sweet enough yet. It's a little bland. Yeah, I can see that. But I'll tell you what's in it. It's got vodka, blue curisow, cranberry juice, and pineapple juice. Oh, all those make sense. Yeah. The pineapple gives

a aftertaste a little bit. Yes. Getting a little aftertaste? But I think it's because it's vodka, which isn't my favorite because it just disappears into the drink, so it just felt like I was drinking juice. I need some that stands up on its own. Oh, I didn't know that about you.

And that's what like a gin, tequila, bourbon does for me. Yeah, yeah, yeah, you can be very specific. But hey, it's cheap if you want to go try it at home. It's $1.50 to make a serving. It's called The Purple Rain. Get the recipe in the show notes. Give it a try this weekend if you are of age. All right.

Now it's time for Guilty as charged. And this is where we ask each other, a guilty as charge question every week, and if we're guilty, we take a sit. All right, George, question. Are you guilty of throwing money at a problem? And if so, did it work? I mean, yeah, isn't that what problems are for?

Most can be solved with money. It's so true. The one that comes to mind that, like, is still a problem that I'm still throwing money at, is my dog. Man, the dog saga. I know. My Frenchie blue and his IBDD, his spinal surgery will be got him,

and then there's rehab. He goes to acupuncture. He does the underwater treadmill therapy, the hydrotherapy, the medications that he's on, the wellness checks. George, you're keeping your vet and business. And now we've got to figure out his food and GI stuff. We'll take him to like a holistic doctor. George Camel, I can't. It's called sunk cost fallacy.

We've gone too far and he's good enough that it's like, well, we're not. What else are we going to do? Yeah, we just need to try to get him to 100% because he's at like 80. So he can walk, he can kind of run around, his back legs don't bend. but they kind of hop like a bunny on the back, like together. You know what I mean? But that's the new thing. We're trying to get them to bend them in rehab.

George, this is... We have them in a little diaper with suspenders in the house. No. It's really cute, actually. You have added so much dress in so much... I don't even want to know. Are you adding it up for fun just for your own torture? I haven't because it's too dark.

It's too dark. Like, they would have funded my kids college twice over. Oh my God. George Camel. If I just let that amount ride at an investment account. Yeah. But, you know, You know? Do what you got to do?

I realize, and I've said this to you, what else am I going to spend money on other than the people and things that I love? Is that a crime? So your dog is a thing. Some people have luxury items. I have a luxury dog. Dog, and that's what it's going to be. You know what I mean? Some people build a pool. Some people go, I'd rather try to rehab a dog with that money. Put some underwater treadmill therapy.

So how about you? I just thought we went on a trip and we were driving there. It's pretty selfish. Yeah, we were driving there. And I had, I'm on a new kick with my. clothes when I travel. I keep them all on hangers and I fold this way and like pack it with my hangers. So when I'm somewhere I go right in the closet and I just can hang it up. It's heavier. It's a little heavier. Well, I have the really thin velvet hangers. Yes, same. They're very thin.

So it's a great little trick. Well, Rachel forgot to pack the hang, forgot to pack the hanging clothes. All of it? All of them. Which is all of your clothes? Almost all of my clothes. So we get to the destination and I like gasp when I open my, I was like, no way. No way, y'all. I forgot my. I forgot my. What kind of trip was it? Was it a lot of dresses? No, it was like a three-night little trip. It was in Georgia at this place. Okay.

So I went to the nearest Target and just bought all new clocks. Just one ham at Target. What's your favorite brand at Target? Brand new day? Are we doing brand-new day? Are we doing brand-new day? Good for you, George. Honestly, I don't even know.

And they're like a threads or something? A new day. A new day. I knew it had a new day in it. You know what? I don't even, I'll be honest, I don't even know. I just see what looks cute at Target and I grab it. There's really nice stuff there though.

There's great. They're keeping up with the trends. Actually, someone we were ever with had on a shirt today, I was like, that is the cutest shirt. She was like, Target. I was like, you may see me in that next week. I feel like every woman's toxic trait is having to tell you it's from Target as soon as you compliment it. I know, because we're going to do it. But we bond over it because you know, like I can do that too, you know?

Yes. It feels like I could get that. I think it's also because they're uncomfortable with a compliment, so it feels like they can deflect. Oh, we make it like, yeah, yeah. Yeah, I can see that. You don't know what I mean? If it's from anthropology, you're rarely like, oh, it's from anthro. You don't what I mean?

That feels like a flex. Yeah, yeah, yeah, yeah. But Target, you're sort of like you're punching up instead of punching down. Yeah, that's what you're saying comedy. There you go. We solved it. Well, good for you for getting some new dresses. I did.

I got a couple new things. You still have them? So I wasn't too mad about it. Mm-hmm. Oh, nice. Did Winston get to do any shopping? When I was like a plaid shirt that's a little bit not fun anymore. So I was like eh.

Out of style. Oh, just yeah. Goodwill it. Or even better, we should do a charity auction with Rachel's old clothing. I think that would be really fun and I want to be part of it. I'll be like the auctioneer on the live stream. That would be good. We got $20 a grad, $20 a grad, $20 a grant, $20 a grant, $21 a good.

Everything is it like from like Amazon and loft, though. I don't know how much it'll bring. It doesn't matter. If Rachel once wore it. Oh my gosh. I don't think that's true. That's so great. Well, make sure to DMS your guiltiest charge questions at Rachel Cruz and at George Camel

because we get them. We appreciate them. You'll give some great ideas. And if you love this episode, you're going to love our episode. Answering your top housing questions. 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.