Smart Money Happy Hour with Rachel Cruze and George Kamel - Sharing Our Dumbest Money Mistakes (and Reacting to Yours!)

Episode Date: August 15, 2024

💵 Sign up for EveryDollar today to create a free budget!   We’ve all been guilty of some “stupid tax” moments, like that time you spent $75 on a velvet cat pillow (that you didn’t even use). In this episode, Rachel and George confess a few of their own epic money fails and react to some of yours!   Next Steps ·      📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type “GUILTY?” at the top of your message so we don’t miss it.   Offers From Today’s Sponsors ·      This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web and get 20% off your DeleteMe plan when you go to https://joindeleteme.com/smartmoney.   Today’s Happy Hour Special: 🍸 Palermo Recipe: Difford’s Guide   Ingredients: ·      1 1/2 ounces vanilla rum ·      1 ounce sauvignon blanc wine ·      1 1/4 ounces pineapple juice ·      1/4 ounce sugar syrup ·      Ice ·      1 pineapple wedge, for garnish Instructions: Shake all ingredients with ice and fine strain into a chilled coupe glass. Add a pineapple wedge on the rim to garnish. Enjoy!     Explore More Shows From Ramsey Network   💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast   Ramsey Solutions Privacy Policy   Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money Happy Hour. Cheers, George, and your pineapple. If you're not watching, what Rachel's saying is there's a pineapple on our drink. You know, that is summer in a cup. That is so tropical and delicious. In a coop.

Now, that was clever. There we go. Did you come up with that on the spot? You're welcome. Well, this is the show. We're two friends who happen to be money experts talk about what you're talking about. So everything from pop culture, current events, and money. And today we're talking about money and stupidity,

two things that are almost never mutually exclusive. Okay. Do you like that? I do. That's fair. And while we're talking about money and stupidity, George, what are we sipping on? Well, this drink is not stupid. This is a Palermo, and it is absolutely delicious.

I think you're going to love our rating and review. We're going to reveal the cost per glass at the end of the episode, and the recipes in the show notes. Stick around to the end for more. So good. Okay. So there's a phrase. It's a little bit of a Ramsey phrase, if you will.

Yeah. I don't think we invented it, but I think we've sort of used it. Oh, that's fair. Yeah, we just use it a lot. Yes. And it's called stupid tax. So when you think about stupid tax, you know, I think about us hosting the Ramsey show

and people call in and they have these situations and they're like, oh, why did I do that? How did I forget that? You know, whatever it is, like there's a fee, there's an amount due because of something stupid. And you just got to chalk it up to stupid tax. I'm going to have to pay a stupid tax on that one, and it's not a real tax in case you're wondering.

A lot of you think all taxes are stupid, which I would agree with. But in this case, it's just sort of the price you paid for your own ignorance and your mistake. Yes, and it happens a lot, you know. There's some real zeros on the end with stupid tax. It's not always just like, oh, I made a mistake. Sometimes you're losing a lot of money. For sure, yep. And I think it is a place, though, to learn, right?

It is that kind of wake-up call of like, oh, my gosh, stuff can happen. life. And if I'm not careful or aware or read or do whatever I'm supposed to do, then there's a chance like I'm going to be paying, paying up. And yeah, you're right. A lot of times it is tied to a lack of financial literacy. Sometimes it was impulse. Sometimes it was greed. Sometimes there was, you know, boundary issues, those pressures. Like a bad deal, right? Like you get into a car payment situation and someone needs you to co-sign. Oh boy. That's when we get a lot. And then here's the thing. If you need a cosigner, that means you're really not great at money. And so you need somebody else to say, oh, yeah, this responsible person over here will pay if the irresponsible person doesn't.

And a lot of people are the cosigner. So the irresponsible person in the equation doesn't end up paying the payment, then it goes to the cosigner. And we get that call a lot. Well, we got a lot of stupid tax submissions from you all, the listeners and viewers out there. And so we're going to cover that today and give you our, I guess, live reaction to the things that you guys have actually done. And of course, we like to, you know, we go first. We're brave like that.

So we've made our fair share of stupid tax moments. We'll tell you about that as well. So the concept here, Rachel, we're going to read off a scenario, give them our take, and before we poke fun, I think it's time.

We confess some of our own stupid taxes. Oh, man. Do you have one that you've made recently? Because, you know, over time, you hopefully make less. But even we are susceptible. I know. Okay, I ordered some necklaces from Bobble Bar,

which is a website store, and they have great jewelry. So I got a couple of necklaces, and I had the tracking come up that your shipment has been shipped. And it was a USPS shipment. Okay, so I knew that that was coming. Well, I get a text from USPS, like three days later,

and they're like, hi, this is USPS, and we're here to inform you that your shipping address is incorrect. So we need you to, this gets bad, ready. We need you to either copy and paste this link into your browser or reply why and you can get out and then come back in

and then the link will be hyperlinked so you can click on it to fill out the correct address. Have a great day. Exclamation point and I was like, oh, they're so nice at the postal service. And I did it. I typed why I got the link.

I filled it out. Then they were going to charge me 30 cents because of the service charge of something with my package. And I was like, okay. A service charge for your package? I don't know. So I fill out my debit card information, George.

And are you ready for the worst part? I submit it. And then it was like, First Horizon, my bank came up. I was like, you need to get a verification code, something, something. Never got it. And I was like, well, that's weird. So an hour later I went back. I resubmitted my debit card information again.

Just in case you didn't get to the first time scammers. I know. Y'all, how terrible. Do you get the CVV on that last one? let me make sure you got it. I know. So then it doesn't work yet. I'm like, that's so frustrating.

So that night I'm talking to Winston and we're in bed and I was like, oh, babe, well, you grab your debit card because I need to put it in mine won't work. And he was like, what do you need it for? I was like, well, USPS texted me and I was filling it out

and my debit card. And he was like, Rache, what's the address that that contact came from? So I went back to my text and it was like from some, all these numbers and letters. You mind if I take a gander at this text?

And I was like, no. I'm trying to see if I would have spotted some red flags. And I did it. And I did it. Okay, but here's the deal, George. Here's what makes me mad about the whole thing. Is I had a true package coming from USBS.

So that's how they got me. That's how they know. She's going to fall for this. Oh, here. It's an outlook email address. It's so bad. All right. Okay.

So can I just read the email? I didn't look at the email, George. I just looked at the text. This text came from W-T-G-G-D-C-K-W at Outlook.com which is a classic email that USPS, I think, uses. I know, I know. Then the website they want you to click on

is U-S-P-S-U-H-I-W-I-T-O-P-S-U-N-I-T. And it ended, to Rachel's credit, they were very nice at the end. the U.S. Postal team wishes you a wonderful day. I know. Also, it doesn't say anything about Bobble Bar. It just says the USPS package has arrived at the warehouse and cannot be delivered to the incomplete address information.

Yeah. There's a lot going on there. So you said yes, but then you clicked the link of it. You clicked the link that was in the text. I was all through it. And as I'm saying it out loud, and Winston's like, what is that? You know, ask me a couple of clarifying questions.

I realized. He said, oh, baby. you got scams. And I was like, I do episodes on my show about not getting scammed and I got scammed. But you know what? That's what makes you relatable and lovable. Oh, my gosh. People love how relatable Rachel.

Yes. Just get scams. That was my stupid tax. So what happens now? I just really believe that First Horizon my bank caught it. Like, that's why it wasn't going through is what I was praying for. And I've been checking online and nothing's come up. No transactions.

I'd probably wait a week too if I was a scammer. I'd be like, let's play cool, guys. We got the info. Let's not get greedy. But I know my debit card number by hearts. And I really don't want a new one or I have to start over. Oh. I know.

So I'm really holding out. That's good. What's yours, George? Let's see. Stupid tax. What have you done, George? Well, I, okay, this is a pretty good one. I don't think I've ever shared with anyone.

Yes, thank you for your honesty of vulnerability. Because of my grades in GPA in high school, I got a scholarship that covered tuition at a a state school. Oh my gosh. Right? So I was like, hey, I was, I don't know, a, I think mostly A-stude, maybe some B's. Good for you, George. But anyways, it was called like the, I don't know, the Paul Revere something scholarship or whatever, very Bostonian. I was going to say very Boston. Represent. So I thought, sweet, I'm getting like a full ride to the state school. I went to a university of Massachusetts Boston for my first year. And I said, I know, I shouldn't get a bill. I have a, I have a scholarship.

And I went, oh, really? Well, I had to report the scholarship somehow to the college. And so they said because of that, my scholarship was void and could not be used. No. And so I lost out on close to 10 grand. Stop it. Stop it. So that was a stupid tax.

Wait, that you didn't apply for it? Like, you didn't submit it, right? I was eligible for the scholarship, but apparently I needed to, like, do some more reporting to the college that I had this. I don't know. I thought, you missed a couple of steps, and then it was not eligible. I was a knucklehead 18-year-old, just hoping for the best. Oh, no. And so that compounded the amount of student loans I ended up taking out.

By 10 grand. I could have been, yeah, 10 grand less than the whole. Shoot, but you could have that scholarship. So that's a pretty big one. Yeah, that's a worse than mine. Yeah. We actually have a line item in our budget now. We started this last month that we just have the category stupid.

We just have stupid. We just say stupid. Wow. And we put some money in it. So when stuff like that happens, you can, because I'm like, Some things just don't, like, they don't bring the enough weight in my life to put that transaction in another category. Can you give me examples of what would fall under stupid? I'm very curious now.

I've never thought about doing this. This is genius. It's actually pretty fun because it kind of justifies if stuff happens because it will in life and you're just like, oh, man. All right. It's like Charles destroyed some furniture. Stupid. We have Uber. Oh, here's one.

Instacart, $18.74. since because I did my Instacart order and I needed... It sounds gross when I say it. I never like to say it, but it ends up being good. Ground chicken, it's gross.

Why is that gross? Because it's just gross. People buy ground chicken. I need a ground chicken made my grocery order for the week, didn't come. And I was like, shoot, I needed it for that night. So then what did I do?

George, I was like, well, I had my kids in the car. We were running swim lessons and I was like, well, I need ground chicken. So I'll just do another Instacart order but I'll just get like stuff that I know we'll eat but like we don't really need it but you got to go up to like... To hit the dollar amount.

Yes. To avoid some of the extra fees. So I did that. Ground chicken still didn't come. So that was so stupid because I did an extra order for this one thing and it didn't happen so I put it in a stupid category. So there's one.

Wow. I know. The lengths will go to not do things. That's fine. Oh, man. Let's get to all of you. Here's some stupid tax confessions from some of our listeners.

You ready for this? Lori, what does she say? Lori Wisher didn't close a joint credit card after divorce, and he charged $2,500 that I had to pay. Oh, that's not fun. What a mean, man. I'm so sorry. That's stupid.

Ouch. Okay, Alia Fitz said, I spent $600 on a psychic in college. I'm not even kidding. Wow. I bet the psychic saw that one coming. Knew that was coming. $600? I think I'm in the wrong business.

Oh, my gosh. What happens when they're wrong? Can you be like, I want my money back? I know. It's a great question. I guess you don't know. It's the future. How would you know until it happens?

That's right. Or it doesn't happen. Okay, at Creana Baldwin. She said I bought $25 concert tickets on a re-list site for $300 to impress a guy. It didn't work. Wow. So the concert tickets originally were $25, but because she bought it on like Stubhub, it was $300.

and the guy was not impressed. What was he supposed to be impressed by? I guess the concert or the amount of money she spent on the tickets. Yeah, what if she went to the concert and he was like, wamp, wamp of a date? Yeah. That sucks. Okay, Carrie Provost said,

Facebook marketplace scam, the guy got me to send him hundreds on Zell, and I was the seller. What? I've heard these. I'm selling Rachel an object. I don't know how these works, but I've heard this. Yeah, yeah, yeah. No, no, send me money first, then I'll send you money.

To make sure. No, I've heard of this though. And I don't know the reason why, but they, like, really do it great. You know, it's kind of like the Have a Great Day from the USPS team. You just really believe people, George. Can I tell you what I did recently that I was worried about? Yeah. That was like borderline could have been a scam.

So I bought Seinfeld tickets at a great price. Yeah. Like retail, like what the person paid even less. But then they were like, well, I don't, I'm not going to send you money until I have the tickets. And they're like, well, I'm not going to send you the tickets until I have the money, which is fair. sides. So he said, well, Venmo me a little bit. Just so I can, you know, you got some skin in the game, this is real. Then I'll send you the tickets. Oh, shoot. Yeah. So the tickets, I don't know,

let's say it was 80 bucks and I said them 20 bucks. I was like, all right. Worst case, I forfeit 20 bucks from my stupidity. Sure, sure. But what are you supposed to do in that situation? I don't know. When you're not going through a third-party retailer, there's not a ton of ways to, I mean, you can mark on Venmo, like this is for business and, you know, you can sort of get out of it that way. but then it charges them a fee, so they're going to make you pay the fee, of course. So you might pay a little extra. PayPal has similar things. You can market as a business transaction.

But outside of that, they'll, like, refunds you. But he sent the tickets. Oh, me. I got them via email. Good. I'm so glad. And I bought another pair.

And I took the guy to the box office. I said, no, I'm meeting you at the box office. I'm going to the desk. And I went, hi, I'm buying these tickets from my buddy over here. Can you verify these are real? And they went, yep, those are tickets. I went, okay, thank you, and then I gave him the cash. But I just wanted to make sure.

Hey, I get it. That's fair. They're out there. No egg on my face. That's right, George, saving that money. Back to the stupid tax of our listeners and viewers. What do they do? At Lewis is it Venturum.

He's paying $30,000 for a wedding. Okay. I mean, that feels reasonable. Now, if it was with debt, I would call that a stupid tax. Yeah. But not just in general. It makes it sound like paying for a lot. a wedding is stupid tax.

Yeah. Maybe they're not married anymore. I don't know. There's not a lot of context here. A little bitterness there could be. That could hurt. Okay. S. Chodas said,

became debt free, then hubby went out and bought a used car on payments. Oh, no. Ouch. Ouch. Why do all that work just to go back into debt? I know. At Marie once,

that took out a helock and bought a new car. So dumb, never again. I think that is what's always funny to a degree is that people take out debt on things and the purpose of reason of taking it out on the specific thing. They use it for something totally different. Because usually a key lock, for the most part, people use that for like home renovations to

like put equity back in your home, right? They're trying to like... Potentially, hopefully, maybe. Yeah. But like it's a home equity line of credit. So it's home base and they use it for a car. Or when people take... It's a credit card attached to your house that's moving you backwards financially and putting

your home at risk. Yeah. And like student loans. When people use student loans... as a student, and they use it for trips or like anything else, right? So it's always not a fun thing. Okay, here's another one. I Am Rush ad said,

I put $600 towards a car from my ex-girlfriend to teach her how to drive. She left me with a $2,500 loan, and she left. Oh, gosh. Wow. No thanks. So he chips in $600 to pay for this beater car, teaches her out of drive, then she ditches him, and she still had her take out a loan for the car.

I guess. So he basically helped with a down payment. Yeah, totally. Left me with a $2,500 a loan. Let me just make this clear. It sounds like he co-signed on the car loan. Oh, that's what we're talking about earlier. You can't just leave someone with the loan unless your name is on the loan.

That's right. Yeah, yeah, somehow. But that's probably a stupid tax. That's a stupid tax. At Aton Fam, joined an MLM and bought the kits and supplies for over $1,000 and made $24, never again. And that's how MLMs make money. That's how it works. That's how it works.

So they make you think, well, yeah, yeah, you've got to buy in. This is the startup cost, Rachel. It's like a franchise and you buy all the supplies, and you're going to make more than a thousand if you work hard and get to networking. And then he made 24 bucks, which means he lost almost a thousand bucks. Like, I don't hear about them as much. I feel like they were like a big thing throughout. I think they just got quiet.

I think people still do them. I don't think they're as successful as they used to be. Yeah. And the thing is just too saturated. Yeah. We can get products from all kinds of places. The internet probably didn't help out. From influencers and Amazon.

Yeah. Fair. Yeah. So I do think it's harder to be successful with MLM than it even used to be. But this is a prime example. And we know from the reports 99% don't make anything. And some people, a lot of people, lose money. Yes, no good.

That's a stupid tax. All right. Red Dead Rascal 90. What a name. Said, I quote, invested in Dogecoin and lost almost six grand in the end. Oh, no. Okay. So if you don't know, Dogecoin is what's known as a meme coin in the cryptocurrency community.

and this was big with Elon Musk from Tesla. He was like, Doge to the moon, and it was sort of this funny thing that it was going to skyrocket and we're all going to make a billion dollars. I have a family member, not direct, but a family member who invested hundreds of thousands in Dogecoin.

Shoot. Yeah. Lost it all. Let's just say it went from, I think, like, 400,000 down to like 60. So they lost... Oh, gosh, that's a lot of money. Over a quarter million dollars. That's a lot of money.

So, yeah, I like that they put invested in quotes, because you are not investing if you were in crypto, you are betting on crypto. It is pure speculation. So funny. That's a scary one. For sure. At E. Bloomfield said I cashed out all of my 401k money to buy an 18-month-old Sheltie to show in competition. Less than four years later, he came down with an incurable cancer. His name was Grady, and his death is what led us to the baby steps in 2018.

Wow. Oh my gosh. Okay, this chain of events is depressing. What a story. So you cash out the entire 401K. We don't know how much. For a dog. But that means that 401K withdrawal,

not only do you have to pay income taxes, but you also pay 10% early withdrawal penalty. Yeah. So it's like borrowing at 30% interest at that point, 35% interest. Bought a dog. To show and competition. Best in Show.

So one of my favorite movies. I love Show Dog people. It's great. Wow. You love show dog people. Have you met Show Dog people? No, but it's just great. They're an interesting breed.

I just... Tell you that much. Lesson four. Oh, cancer. That's terrible. Losing a dog is so sad, especially when it's your retirement. I know. Well, that's another piece of this.

You know, people say like, well, it's an investment, Rachel. I'm going to buy this horse or dog or whatever, and it's going to make me money. That's a justification. Yep. Yeah. The only true investment is like, I'm going to buy real estate. I'm going to buy investments, mutual funds in the stock market. Everything else, you're just being.

buying a thing. Don't kid yourself. That's so sad. I'm sorry. So sad. So sad. All right. The Harry Berry said,

took out a loan for buying a, quote, passive income course. Oh, gosh. Oh, no. The funniest part here is like, the way that person who sold the course is making passive income is by fooling you

into buying a passive income course. It's full circle. The circle goes all the way around. I know. Wow. And taking out a loan to buy a pass? How expensive was this course? Must have been.

The more expensive it is. the more it should flag like this is a scam. Yes, more the question mark should go up. Oh, George, wow. That is some stupid tax. You know what? We're all human. I'll drink to that.

That's what I learned from today's episode. We are all human, you know? Yeah. We do things that you look back. We're fallible creatures. We all, and we look back and we're like, wow, would have done that differently. But I do think learning is, like, the number one.

And I will never. He says, it's not stupid until you make them same mistake twice. The key is you want to learn from it, never make it again. I will never text USPS my debit card information. In fact, let's just text nobody. Don't care if it's Winston. We're not going to click a link. You can call me or I'll call you.

We're not putting that visually out there into the world. Oh, I know. But we're all human. That's what I've learned. That's true. And I've shared many times my story of shipping a pair of shoes to Nigerian. Yes. Who paid me extra for shipping and it was a fake PayPal email.

So I've fallen for those scams too. Yes, it's rough. But I was much younger than you at the time. I learned my lesson. I wish you would have text me. Not a 36-year-old mom. I wish you would have a screenshot it and said, hey, George, is this look legit?

Listen, you have to get crap done. You know, it's just like, you've got stuff to do. You got things on your list. And you can't be like, you know, you got to be effective in life. That's what I was doing. Choosing moms, choose scams. Oh, man.

All right, George. Well, it's almost the end of the episode. and we close on every episode with guilty as charged. And this is where our producer, Skyler, gives us a new guilty as charge question every week. And if we are guilty, we take a sip, Skyler. Nervous. Do you have a current or past celebrity crush? Oh, man.

That can't be a real question. I feel like Rachel actually has an answer here. That I had a chance. No, not that I had a chance with. Celebrity crush. I mean, I was like the classic girl with like, yeah. Who were the heartthrobs of your day? JTT, Jonathan Taylor Thomas, like Leo from like the early days.

Titanic days? Yeah. And then... Wow, that was an aggressive, yeah. What did I? Justin Timberlake always was one. Okay. Do you know who I still think is one of the most good-looking actors?

Okay, can I guess? I have two. Give me a hint. Give me a hint. Okay, one. Gossip. Girl. I couldn't tell you a single character from Gossip Girl.

It was Nate on Gossip Girl, and I'm trying to think of his real name. Archibald was, like, the character. And he is, like, such a good-looking guy to me. And he's, like, my age. And then I found out his sister married Tony Romo, who was a Dallas quarterback. And I thought, oh, they're, like, kind of from the South. Like back in the day, like, gosh. I was like, I don't know.

You're like, could have been me pretty much. I'm in the South. That I do. I think, yeah. If I still had one today, I think he'd be my celebrity crush. Wow. I think he's so good looking. He kind of looks like Winston without a beard.

So maybe that's why. You know what? That's a compliment to Winston. Who's your celebrity crush? That I had a chance with? No, give me yours now. I think that's way more fun. A current celebrity crush?

Yeah, do you have one? Okay, this one's a weird one because my wife is, my wife knows. Yeah, Winston knows me. I don't understand. That's weird. Kristen Wigg I just find her charming and lovely And I think she's also aging very well

Like you know Yeah she's beautiful So I don't know why I can see that She'll be too tall for you George Pretty sure most women on planet Earth In most countries are too tall Do you have a celebrity crush?

Oh yeah That's a good one Like Michael Jordan? Like the basketball player? Nope He's okay Rachel needs to be Like the Bulls player?

There you go. There you go. Oh, Michael. The son. His son? No. Oh, he's a boxer. No, he's an actor.

Oh, my gosh. He's acting as a boxer in this movie. Okay. basketball and George's phone is. I was like, oh, it's the son of the basketball. I also live in a show role, too, though. Okay, this guy. Yeah.

This is the guy? Yes. Yeah, he's cute. I think he's good looking. Really? Yeah. I don't know. No, no, not that one.

Oh, okay. Sorry. Not that picture. Eh. Yeah. Shoot, that's gossip world. There we go. There we go.

Good looking guy. I think he's great. I think he's good looking. Sure. I think Winston's, I think Winston's, I think once you did better with Winston. Winston is a burly man. Oh, so I guess, I guess you're guilty by association. I wouldn't call him burly, but okay.

I'm not like wrong. I'm Burgundy or something. I feel like an anchor man. Wow. That guy. And I think about my husband. I'm like, yeah, Winston is like rugged. And I find ruggedness more attractive than clean cut.

Clean cut. Clean cut, like packson model vibes. Yeah. That's fair. I'm happy with my choice because I had a choice. Between Nate and Winston. Between Nate Archibald and Winston. And I chose Winston.

God bless. Thank you for that, Scalar. I think it was rigged for your entertainment, but we appreciate it. There you go. We'll drink to that. All right. Let's talk about the drink, Rachel. The Palermo, who was close?

I think we're both on par to finish. Yeah, shall we finish it? One more sip. Cheers. Wow. Couldn't quite do it. Okay. The coop.

It's the coop. Okay, so what's in it, George? No, what's our rating first? Oh, that's a good question. I'm going to give this a 10 out of 10. A rare and elusive rating. Okay. I'm going 8.5 out of 10.

I don't know if I would order at a restaurant. Fair. And it's a little too sweet for me. All right. That's fair. Yeah. What's in it? Hurtful, but fair.

The cost breakdown per glass, first of all, can you guess? Ooh, let's go like $2.28. $2.8. You were 20 cents off. I'm so good at those games. You win a Broy Hill. Dinette said. This is the price is right. I'm kidding. You win nothing, but that was pretty good. Okay, the Palermo includes vanilla rum, solvignon blanc, pineapple juice, and simple syrup.

Just like it's a little splash. Okay. It's like an ounce and three quarters, something very small. So you got a little bit of rum, a little bit of wine, pineapple juice, simple syrup. So it's a simple drink, but it all comes together very nicely. So be sure to try it at home. The recipe is in the show notes. I think you will enjoy this one. So great. All right, George, it's closing time. So you guys, as always, thank you for listening and watching Smart Money Happy Hour. We love the show. We love you guys. So leave us a review. If you're enjoying it, it helps us out to know what you're thinking, subscribe, and also share it. So whether it's on social, tag us, share it with a friend, with a family member, anybody.

This is such an easy show to share. You know what I mean? Yeah, it is. Especially this episode on Stupid Tax. Oh, yeah. You have to listen to this girl. scammed by USPS and it's hilarious. Gave out her information, I know. But we appreciate you guys and we cannot wait for next Thursday of an all new episode of

Smart Money Happy Hour.