Smart Money Happy Hour with Rachel Cruze and George Kamel - We Paint and Sip While Exploring Financial Gender Stereotypes

Episode Date: November 6, 2025

💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz.  Money is an art and a science. Today, George and Rachel are unpacking financial statistics and gender stereotypes around spending. Oh, and they do it while painting portraits of each other—you don’t want to miss this. Next Steps: 🎥 Watch our video Men vs. Women: Who Handles Money Better? 🍸 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 budget and track expenses with EveryDollar. Check out Ramsey’s Complete Guide to Investing.  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 with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🥃 Bourbon Carajillo Recipe: The G&M Kitchen   1 1/2 ounces espresso 1 ounce bourbon   1 ounce Licor 43 2–4 dashes angostura bitters 1 orange slice  Instructions: Start by brewing the espresso. Then add 1 1/2 ounces of espresso (1 shot), 1 ounce of Licor 43, 1 ounce of bourbon, and 1 dash of bitters to a cocktail shaker with ice. Shake for 30 seconds, then strain into a glass with ice. Garnish with an orange slice and espresso beans, and enjoy!   Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 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

Today we're exploring how men and women spend their money, but make it artsy. Oh, I'm so nervous right now. I don't even, why did you give me so many brushes? More single women are homeowners than single men. What do you think is behind that? Responsibility. One, two. A spitting image.

Hey guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money Happy Hour. Cheers, George. Cheers. This is easily one of the best episodes. you guys ever done. Can I do my intro first?

Yeah. Wow, you're jumping the gun. I'm just so excited. He is so happy that this is a podcast for two friends who have to be money experts. Talk about what you're talking about. Everything from pop culture, current events, and money. All right, George. What are we sipping on?

We are sipping on a bourbon carahillo. I don't know if that's how you pronounce it, but it felt culturally accurate. I like it. Can you try it for me? Say it. You say it again? Carahillo. That was pretty good.

I don't think, I don't know that we roll the R. I am good at rolling my arms. I'm not sure that required. Spanish would be my second language if I had to pick. You barely got English down. Let's not get ahead of ourselves. Rachel. Rachel.

Racheau. Okay. Hey, stick around until the end, though. We're going to rate the drink and reveal the cost per glass. And this one feels expensive. This feel, my guess is this is $4.38 cents. Ooh, fun guess. I'm going 424, Bob. I knew you were going to do that.

All right. Okay. Oh, we can't wait to tell you about all this, y'all. This is going to be a fun. It's going to be a fun episode because we are like brainstorming, you know, what are things about money? And this whole kind of opposite sex came up of like men versus women. And activities are so different. Like women. Just being social. Yeah, when we are social as women, I mean, it's everything from beach trips.

Yeah, girl. Let's just go. We got our showers. We got our baby showers. We got our wedding showers. We got our engagement. Even love a sprinkle. A sprinkle.

That's a new thing for me. Baby number two, you know what that is. You don't get a full shower, but you get a sprinkle, but we're all up for a party. We love a happy hour. I went to dinner with some friends. And there was a whole group of other women at the bar doing their happy hour. And I just like, good for you girls. You have a whole show that has the word happy hour in the name.

That's how much you love a happy hour. I was like, did she forget? That is the name of this show. We have workout classes. We got our yoga. We got our Pilates. We got our bar spin. Any class you want.

Book clubs. So anyways, we have a lot of ways to be social, the ladies. Women are very, they like to connect. Yeah, and some can be expensive. Some, more budget-friendly. I would say men are similar but different in that they don't want to make eye contact with other men. So they like to do things where they're looking at a thing, but not at each other.

That's right. You have to have a thing. But together. You know what I mean? A hundred percent. Because if they look too much into their eyes, they might think about their dads. And that's when things go south. We've got to avoid eye contact.

That's key for men's social events. So here's what men like to do. Again, these are stereotypes. So if you're like, I like anime, this isn't for you. We're just going generalizations here. Sweeping generalizations. Men like to go to sporting events. Yes.

Could be Little League baseball, screaming at the kids. Could be an NFL game. Either way, they're happy. Who knows? Comedy shows. That's what I'm personally into. Okay. John Deloney and I love to go to a comedy show, sometimes together.

Sports bar with the boys, just eating wings, watching the big game. Buffalo Wild Wings, when the bears are on? Little B-dubs never hurt anybody. That's what I say. Gym memberships. Guys love to be at the gym for two, three hours. I don't know what they're even doing there. What are they doing?

It's too much. Poker night, play some cards. And here's the thing. Honestly, most girly activities could be made into co-ed events for couples if you try hard enough. More on the women's side, though, I would say. It's harder, yeah, but some women like the guy stuff. Like, they want to watch the game.

Yeah, yeah, yeah, yeah, that's fair. You know, women can enjoy poker and wings. That's good. Women love wings. I do. My wife loves wings. I love wings. Same.

No sports needs to be involved. Anytime we get like a pizza order, because we do that a lot at our house, Papa John's or Jets or whatever, we always add some wings in. It pairs well. It pairs. It does. I love bar food, though. Love bar food.

What's your, you have a local spot? that you like to go to? You're going to ask. That's my favorite. Anything fried and cheesy, Rachel's into. I love Montserille sticks. More than anything? Okay, so, yeah, here in Nashville,

I mean, if we're going super local, because it's great with kids, because it's always loud, there's always big tables you can get, you know, like you're always able to. Like you're not going to make a nuisance with kids. It's already chaos. Yeah, that's right.

Yeah, that's right. We love Jonathan's. Jonathan's Grill. Yeah, and then next to his brew house. Yeah. So those two, you can, we can always get in one of those. Great. Hey, if you're in the Cool Springs area in Franklin, Tennessee.

Yeah, I mean, they're not, they're like suburban sports bars. Yeah, I don't know. Like what chain, I guess Buffalo Wild Wings would be considered a big chain kind of sports bar. So fun. Do you like a sports bar? Here's the thing. A lot of sports bar food is not gluten-free. It's a lot of, you know what I mean? It's fried, carbs. So it's just less fun for me. Yeah, that's fair. Can you drink beer being gluten-free? Yeah, there's gluten-free beers and ciders. But like a normal? Because it has yeast. Normal beer, you can't do it.

Wow, George, I didn't think about that. Thanks for thinking of me. So a good, like, draft beer you can't have? No. No. Oh, my gosh. Yeah. Although back in the day, I enjoyed a Sam Adams.

A nice crispy loggar. A crispy logger would do it for me. That's fair. I like it. But they have alternatives now. Okay, good. Good, good. Yeah.

So one of the trends, though, of a ladies night out is the paint and sip. I've heard about these. So you can go and, like, have a glass of wine and, like, draw a picture, and then you have an artist in front of you. And then social media took, like, a spin on it where couples. which we are not a couple, but they will go out on a date and draw each other's picture. So I told George, we should do that on a smart money happy art episode because I'm a horrible artist. Like I can't draw.

However bad you are at singing, make that worse. It's all in the same category, in the same realm of life. But to be fair, you have many other talents. Yeah, that's fine. My self-esteem is great. Like, I feel really good about myself. I'm very aware of what- I'm not a great artist either, but compared to you, I am probably a problem.

So, we're going to put on these aprons, and we're going to start painting each other spaces. I feel like I'm just wearing a big bib. You know what I mean? You look great. I'm thinking about to just like crunch into a lobster, just a whole lobster. Oh, yes. You know what I mean? That's like How to Lose a Guy in 10 Days vibes.

Okay, so we have some topics to discuss, George, while we paint, okay? We're already not good at painting. Now we have to multitask. I know, that's what I'm telling you. Okay. So I think the easiest way we're going to do this, I think I'm going to just hold mine and paint this way. I'll attempt to do the same.

And we have lots of brushes. They remind me of makeup brushes. Oh, that's what makeup brushes look like? Oh, my gosh. Okay, so, geez. Oh, I'm so nervous right now. I don't even, why did you give me so many brushes? There's 7,000 brushes here.

Like, what do I start with? Okay, my question is, how big are you doing my head? Are you going like big or you're going to go small? You wanted to fit the canvas well. I mean, well, what does that mean? It's about as, it's about to scale. Like, think about real life. So you may go big.

Like we're not doing like a little face. No, no, no, no, no. It's going to be, okay. Yeah, like the top of your head will be close to the top. All right. Okay, I feel like I need. What do you start with? I guess the thin, wispy ones?

I'm scared I'm going to start to paint your face. Shoot. Okay, hold on. All right. So before we start painting, I want to make sure everyone knows. This is an episode you kind of want to watch. So make sure that you're watching on YouTube or Spotify or the Ramsey Network app because you can't really hear us paint.

Yeah. I'm not a loud painter. All right. Okay. So seriously, though, I guess a face is not a circle. It's an oval. You're on to something. Okay, okay, okay.

I feel like the first, I feel like we need a pencil. Yeah, that would have been smart. Does anyone have a pencil? Or do we just go rogue? All right, we're being told to go rogue. What brush are you using? I'm using a wispy one. Oh, shoot, why? For my face?

Yeah, I kind of want to make... This is kind of my pencil, and then I'll start to kind of fill it in with the thicker ones. Oh, my gosh, you're so smart. Okay, I'm going to do that too. None of these look like your skin tone. That's what I'm saying. Okay, I think I just already messed up. I can't even see your face. How am I supposed to paint you? I'm sorry. Sorry.

All right. Here we go. Let's get into some content, George. All right. Here we go. Men spend more on entertainment supplies. I don't even know that means. Okay, so think about like indoor exercise equipment, athletic shoes, fireworks, all the things. They spend on average $675 per year on this stuff, where women spend $141 on the same category.

What do you think about that? Wow. I guess it makes sense. I mean, guys are more into, like generally, if they're into fitness, they're really into fitness. They want all the gear. Yes. So, like, guys love gear. Yes.

And so if it's an accoutrement, they have to have the best running. shoes, whereas women can make do with what they have. Yeah, I would say that's true. Yes, I would say that's true. The fireworks is an interesting one. I guess guys are more prone to want to blow things up for fun. I know. Are you a fireworks person?

You know, no. Okay, thank you for your honesty. I will enjoy a fireworks show when it's appropriate. Fourth of July, all the things. But there is a part of me that I'm like, after like four of them, they are kind of all the same, you know what I mean? And everyone's like, ooh. Like even an amazing fireworks show 10 minutes in, I'm like, all right.

Yeah. Like, unless you get a smiley face or something really exciting in there. Hey, you know, the new cool stuff is the drones. Have you seen these drone shows where they create like actual objects? Oh, yeah. Those are cool. I like this brush. Okay, men buy women's shop.

So that's an interesting way. So men love to research the best product and go and buy. Women enjoy the process of weighing options, looking around. See, and I don't know, I don't, I think I am more, I'm not a researcher, I see it, I want it, I'm going to buy it, and call it a day. I don't like to window shop. You're pretty decisive. Yeah, I don't like to window shop. Do you go into stores?

Are you filling in my face with like a color? I will eventually. I'd kind of like to get an outline going. I've just, that's why I've seen Bob Ross do it. Okay, okay. I think I'm doing this wrong. Can I paint on top of paint? Yeah, that's how paint's supposed to work.

Okay, good, okay. You're doing great. There's no wrong answers. It's just bad painters. I hate, you know what? I have a scar, like a wounded emotional scar, because that's what all the art teachers, like, you never can mess up.

Well, I messed up, I remember, on one painting. And she's like, you can make it into a flower. And it was the stupidest looking thing. And she's like, it's your own. It's beautiful. And I'm like, it's not true. It's like when people's like, there's no stupid questions. I'm like, there are in your mind?

I think that probably could be. I mean, like, I don't think that's like a black and white statement. Same with arts. It's like, it's not beautiful. It's not. You can just say it, Ms. Tucker. It's just not. While art is subjective, it can also just be bad, too.

Kind of like music. Like, there aren't objectively just bad songs. I guess. And then there's like, well, that's not for me. It's the eye of the beholder. Like you like, I don't know what you listen to these days. I know. The goodness of God and Taylor Swift, it has not changed.

God, same exact soundtrack? What about the new Taylor? Are you excited for that? Yes, I am. And she and Wicked too. Second part of Wicked. They're all coming out kind of around the same time. Wow.

Poor Winston. We are going to have some music in our household. What's Winston listening to these days? He listens to bands I've never heard of. Like indie bands or like folk? Yeah. Jazz? What are we talking?

No, it's like indie punk. That's... Is that right? A genre? Okay. Okay, no, I don't know. I mean, I don't know. Can I say you have multiple hair colors?

What's that called? Highlights. Oh, highlights. I knew it wasn't a baliage. No. I did a balaage once and it was not good. I feel like that, has that faded out? Like, is that not on trend?

People don't really do baliage anymore. Not as much anymore. I feel like they're pretty. I got to say, I'm kind of nailing the hair. That's the easiest part. I just have a round circle and it filled in. That's all I have. You know what?

We're all children of God. So no matter how you make me. I don't know what to do. That stuff, George. That's okay. Oh, man, your hair. Okay. Okay, now we're going to do that hair.

Like a good dad. I'm not mad, I'm just disappointed. That's the worst case scenario. I'm going to cry. Yeah, I'm on the research side for men, buy, women, shop. I don't, going into a store can be stressful for me. Unless I really need to see it, touch it, feel it, test it. I'm going to just do it online and then return it and fight to the death to make the return happen.

All right, I got, I got the hair down. I mean, this is so, I'm just going to keep going. I just, I don't know what to do. I feel a little paralyzed. It's okay. You know what? Quit while you're behind. Next on the list

Single women spend more on apparel than single men Women spent 1.7 times More than men on clothing footwear and accessories Do you spend more or less than that in your house, Rachel? I would say more Yeah, I would say that's fair Is it because Winston is a man of simple taste? He's like, I've got seven shirts, why do I need more?

So he'll find a shirt or a style that's really great And then he'll just use it Okay, here we go. I got to move on to the face. I've been really postponing that. And one brand that he loves as well is Cozy Earth. Because their clothes, like all their athletes are wearing stuff, it's just amazing. It's so good, y'all.

Even this weekend, I was wearing their pants and top and stuff for the weekends. And it's just so comfortable. And their soft-washed cotton sheets. Yes, just got those. Especially coming into like the fall-winter vibes. Oh, my gosh. Amazing. It's like that lived-in clothing, you know,

which you put it on the first time. And like, this is nice. Yes. Imagine that while you sleep. All the time. It's so great. It's so great. The best.

And I just pulled out the, now that it's getting a little cooler, the big old blanket. Yes. The cuddle blanket? Yeah. Phenomenal. And my little daughter, me,

I had the best time in there. Aw. Sweet. We hung out and just made a little fort. Which that thing is like, that's got some weight to it. Yes. So it was serious.

But it was like she was cuddled by a thousand teddy. Bears is what it felt like for her. So she loved it. So sweet. Yeah. They got 40% off when you use the promo code smart money at checkout or go to cozyearth.com slash smart money. We'll drop a link in the description as well. Fabulous. So maybe the guys should spend a little more now, you know? I think women want to see guys with better fashion sense. That's probably fair. Guys are like, I feel like the vibe now is like lazy athleisure, you know, just like some old gray sweats, some tube socks, some slides. I think we need to step it up, guys. Yep. I'm a little stuck.

You're like, how do you make someone that handsome on paper? How do you do eyes? Oh, your eyes are way too close. I apologize in advance. You have a very natural. Can I get a good look at the brows here? What are we working with? Are we doing the thin brow these days? Let's see you have a medium brow. medium. Okay, I got to do, I think I'm going to do your glasses first before I do your eyes, which might be dangerous.

But here we go. What's the shape of your glasses? Straight and then circle. Is it sort of not quite oval, not quite circle? This is, it's really hard to get like a thin line. Yeah, I would agree with that. They did a sturdy with these brushes. I require more professional equipment.

You know, something else I love is that more single women are homeowners than single men. Now, that's interesting. Yes, so women own around 11.1 million homes, single men 8.4 million. Okay, I'm trying to help me understand that. What do you think is behind that? Responsibility, hard work. Oh, that makes sense. Guys are like, dude, that's like, yeah, I don't know.

It's so hard. Like, it's so hard to get a house these days. Like, I don't know what to do. And girls are like, just step aside. Let us just buy the houses. Single women. So, okay, it's just single women versus single men. I do think single women have more fiscal responsibility.

I think so, too. And it may come from out of like a safety element, too. That's right. Dudes are willing to like live off, you know, on the edge of their seat a little bit more. They'd rather put the money into like a car and have a big car payment and rent. Yep. They're not as concerned about stability. And I think a home represents stability for women.

Yes. So that tracks. I would see that. And there's a part two of, I think, like, if I'm doing well, and I can, I'm going to go ahead and continue to, like, advance where I want to be, where I do feel like some guys, I don't know, yeah, I guess it's just like what you're saying, but it is like the priority is different. Maybe. I don't know. But that's what I'm going to say. Okay, I tried to get your nose. You can't really see. Yeah, I don't know what. How do you do a part of your face that is the color of your face, but it's a show up 3D, you know? Or 2D. I guess it's what it would be. Does that make sense?

Sorry, I just bought, can I get a straight on visual of your nose? Because I just did you're real dirty here. Can you look at me right? Yeah, I will. Okay. This, it's looking not. Okay. It's fine.

It's fine. All right. Zero judgment. Zero judgment. Okay. We're going to move on to the mouth. Half of men and women lack retirement savings. 50% of women and 47% of men have no personal retirement savings.

At age 55? Yeah, that's not good. Is that real? We got to start investing. You're telling me like half of everybody has zero in retirement by age 55. That's what it's saying. That's the U.S. Census Bureau. Why would they lie?

They have no reason to lie. Yeah, they don't care. It's the government, Rachel. Why would they lie? Why would they lie? Yeah, this is a big one because at 55, it's so much harder to make up for lost time than 30. You know, compound growth doesn't have as much time to work. So if this is you, yeah, it's going to, you just have to work longer and invest more. So it's a harder habit to create

because you're older and you have to go even harder in the paint, as they say. Ooh, well, good reference, good reference. Okay, George, I think your lips, I'm, I think I'm not going to do a smile for you. Just to be safe. I didn't even think about your lip color. All right. Dad, comment, y'all. It's so bad. Can I see your lips? Like, don't smile.

Let me just see what the lips look like. I got to... I was trying to see what kind of taper you have there. Oh, and you have a mustache. Holy mackerel. Thank you for saying that. A lot of people don't consider this a mustache. No, you were like, the facial hair.

Oh, man. I would say you don't have any facial hair. You look like. You do you know. Who? A celebrity? Do I have a doppel gang? Guess who characters? A beard? Guess who?

That was a great game. That was a great game. You're saying in real life I look like a guess who character? No, no. In my painting. I was like, I don't know how to take that. It's, I'm going to have to give you more facial hair. Oh my gosh. The nose is real, things really went wrong. See, I went simple.

Do you have like a thin neck, would you say? Or you think it's like pretty long? I mean, I would prefer thin neck. I'm trying to think if you're... Yeah, you have a good neck. Just like giraffe life. It's like a baby giraffe. Yeah, it's wild.

I wouldn't say full giraffe, but baby at least. Okay. Your poor beard is something else. I'll just say that much. Do you want to talk more about investing? Okay, so yes, when you are investing, making sure that you're debt-free, you have a fully funded emergency fund.

I can't look at you in this. I'm starting laughing. fully fund their riches fund, and 15% of your income into retirement. And yes, even if you are 55 and you have debt, we would still say pause retirement. Because when you are completely out of debt, you can invest, again, 15% where normally you probably wouldn't be able to do that if you have debt. So we would rather you invest more later than a little bit now because being out of debt freeze up your income to do that. That's true. Which can feel counterintuitive to some.

But when you don't have payments and you're going into retirement, you're going to be able to live off less. You'll need less to live off of because you don't have all that day. You don't need as big of a nest egg if you follow the Ramsey plan because you don't have debt. That's right. That's good advice right there. And we do have a great investing guide. I like to point people to if you go to Ramsey Solutions.com slash guide. It's completely free.

And I found that's a good kind of just primer on what to do, how to do it, why to do it. Yeah, that's good. I like that. And something else great to have, not just our investing advice, is delete me. Yes. Delete me is a great service, you guys. If you have any amount of data on the Internet, which we all do, it's 2025, your information, your email address, your address, home address, kids' names, all of that is out there. And data brokers can collect your data, and they sell it to other data brokers and make money.

But Delete Me goes in and removes your data, which is incredible. Because, again, there's so many scams and fishing and you get text messages from people you don't know and emails. Like, it's just insane. But Delete Me goes in and removes your information. And mostly from these websites that we've never heard of. Like, you've never heard of it. It's weird. It's like crazypeople.com or something.

Creepy Peoplefinder.com slash biz. Yeah, it's bizarre. So it's well worth the subscription fee. And again, you get 20% off at joinedleetMe.com slash smart money. So do it. Good one to get. Do it. Great one to get.

Okay. Alcohol. Guess who spends more? Men or women? I'm going men. Yes, you're correct. Men spend more on alcohol than women. Men spend on average $542 annually while women spend $257.

Whoa. Is it weird that that feels low to me? Because that's alcohol out, like if you're out at restaurants or something versus like getting a bottle of something. 542 annually. Women spend, that can't be right. You told me women spend 20 bucks a month. I know, I feel like that would, yeah. And men are out like, you know, 45 bucks a month or so.

I know, maybe we're the crazy ones, George. I just don't know that I buy it. Like, I think whoever took this survey was a little bit kind to themselves. It's like when you're good at the doctor and they're like, how much, what is it? Like, how much do you eat out? How much do you drink? How much, you know, they ask you like all your health questions. Okay, I'm going to go.

All right, I'm filling in the face. I hope you are too, because at this point, there's no return. I don't know what I just did at the bottom of your shirt, but I'm going to just do it because it just feels like it's taking up space, and I like that. We like to take up space. I don't know. I don't know.

You kind of look like a pilgrim. I'll take that. Like a cloak or a priest. There's some indie bands that are trying to look like pilgrims. So, you know, I take that as a compliment. Well, I don't know why. Yeah, again, just, I feel like I'm going to get judged from the bottom. You've got to look at the face.

No one's going to judge you. Here we go. Here's the next one. Most men spend less on pet costs than women. Not in our house. Not in this, yeah. On average, women spent $575 on annual pet costs. I can see that.

I can see that. I think naturally that more nurturing, taking care of. Yeah. Money is just a thing. Like, I would rather have something in my life that I love and value that over money. I can see that. It's like a little bit of that nurturing side, taken care of. Yeah.

I spend way more than that on our dogs. and I don't have hobbies. So when people roast me for it, I'm like, I also don't have golf, sports, fantasy football leagues. Okay, how about vehicles, George? So women spend nearly half as much as men. Can you believe that? Oh, that makes total sense.

On average, women spend $684 on new cars, men, 1,219. I'm assuming that's like a payment. You know how I think women tend to dress for other women? men tend to drive for other men. Mm. You know? I appreciate that. Whereas women, I think that when they choose a car, they're looking for reliability.

And if it's nice, that's a bonus. Yes. Guys are like, I want to flex. I got to have a bigger truck than my boy. You know, I got to soup it up. Yep. Add weird features that really don't have any benefit other than maybe aesthetics. You know, a big spoiler on the back?

You ever just see a big spoiler and go, what's this guy doing with his life? What's he doing? How's he doing? because if he's not racing for F1 this was a mistake I will tell you Winston got new tires Okay

And he like That's a normal thing to do Well no they were like bigger Like It was like a thing Because he would see trucks Around and take pictures of them He went and this is very

Strangers trucks This is very not Winston Cruz thing to do But he went and knocked on a guy's door In a neighborhood next door Because he kept seeing this truck And he's like I just really like those tires And I want to know what they are specifically, if you like some,

if he had to, like, raise up his truck, like all this anyways. But I thought of you, George, because you always laughed about guys in their trucks. But Winston, you get it. And then he was like, what do you think of the... Oh, snap. He was like, what do you think of the new tires?

And I was like, I, they look like tires. They didn't look that different to me. You weren't impressed. You were not impressed with these tires. They just, yeah, it didn't. Okay. Okay, your neck is kind of gray. Because it mixed in with the black of your shirt.

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And you want your bank to be working with you, not against you, when it comes to your money. And so Fair wins is that. Like, they are just incredible people. you guys, we have loved working with them and the services that they have with their smart checking and savings bundle. It's just incredible. So you can go to fairwins.org slash Ramsey and check out that smart savings checking and savings bundle. And tell them, yeah, that you're a Ramsey fan, that you love Smart Money Happy Hour, all the things. Because again, they work alongside you and we love that. And you don't have to be, you know, you could be anywhere because their online banking and everything

is just incredible. And so the user-friendly service, the sign-up is really fast. really easy. Like, they make everything really simple. And that's great, especially if you're, like, doing things digitally, like on your phone and all of it. It's great. So make sure to check out fair wins. They're incredible.

Yeah, they called me. And I was like, uh, hello? Is everything okay? They're like, yeah, we're just checking in, just seeing how you're experiencing. I was like, this is crazy to have a human call you from a bank. Like, it was such a beautiful, different experience. It's great. And they don't know me from that.

It's not like they knew I was George from Ramsey, you know? Right, right. Right. No, they're amazing. So good people over there. And great features, too. Yes, yes. All right, last but only, George.

Women hold the buying power in the home. So there's a lot of different sources out there that show that on average, women hold 80 to 85% of the buying power in the home versus men. Just for buying anything? I think so. That makes sense. They see everything.

They know what's going on. They kind of have a pulse check on like how it's being run. Anything that's not like a major purchase, usually the women are handling it. When you think about household items, grocery items, you know, not just like paying bills,

but like buying things for the family and for the home. To keep the household. And if you ask the man, like, what do we need for, he would just be clueless in most cases. Yes. What do the kids need?

Yep, totally. What do we need for the kitchen right now? Yeah. What's the pantry need to be stocked with? Yes. The women kind of, yeah, I would say majority of them have the, which I'm fine with.

That I like, keeping tabs on that stuff. Yeah. Women carry what I call and my wife would say the mental load. That's something I've learned a lot about. Yes.

There's just a lot of things they're thinking about that the man is just not. And so I think the more the women can communicate, hey, this is what's on my mind. Can you help? Versus just being resentful in their head?

Well, sure. Be resentful out loud so we can fix it. Yes. That's all I ask. Yes. Very helpful for me. It's good to know, George.

Good to know. Man, I feel like I should do like, I don't know. I don't know how to fix this. I think you're going to love the way you look. Oh, you've got some, like, blush. Is that what that is? Yeah. I don't have any blush color here.

That's okay. Just know that you look like the hot dog and the 7-Eleven that's been on the roller too long. That's kind of what happened here with the skin tone. I think you look like a guess who character. All right Oh my gosh I mean I don't

And that's the thing is I'm like I would Oh gosh I gotta give you a side burn Hold on A side burn? Yeah you connect Don't you? Yeah yours connects

Oh gosh I'm getting paint everywhere Hold on you almost showed me If I was not painting I would have seen it Okay and I feel like I should give you Your hair Oh gosh

I will say the hair is probably difficult for you I'm gonna give you a little bit more More hair? Yeah Okay, I gave you too much. It's like a woolly mammoth over here. You know what? I have very thin hair, so I would appreciate that. That's great. I'll take more. I will say we're doing the middle part now. Is that correct? Are we sticking with that? It's not quite middle.

Off center? Little off center. Is that purposeful or? It's like where my calic is. Okay. I didn't know if there's a per, yeah. So that's where your natural kind of part is. Oh, wow. Okay. Okay. So the way you want to do this big reveal is I'm, I don't know. I hand it to you without you seeing it. You hold it up to your face and you don't look at it first. Let the audience see.

I'm going to put yours right here. Okay. Can you see this at all? No. Okay. All right. I'll take mine. All right.

Here we go. Okay. Okay. All right, everyone watching at home. Rachel's going to hold it up next to her face. Are you not entertained? One, two, three. A spitting image.

Wouldn't you say that is like overcooked? tot dog on the rollers. Okay, tell us what you like first. Say three nice things. The eyebrows. Okay. I don't even know. I think it gave you a good amount of neck.

The neck is good. The chin could use some definition. The neck is good. Okay. You look very inflamed. Yours looks, I'll say. You could use an anti-inflammatory diet. Gluten free for sure.

My gluten. levels. Very jaundice. Maybe more SPF. Yeah. Whatever you're wearing. Okay, I'm going to say yours does look more lifel. Oh, the eyes are great, George.

I know they're not hazel, but like the, you did a, like the black and the white, like. Okay. Yeah. Thank you. That was good. All right. Okay. Okay.

Okay. Okay. Okay. So I'm going to hold it up next to my face. Uh-huh. I'm not going to look. Is that it? you're a little...

How do you think you did? What would you say went wrong before I even look? I would go thinner. It's much of a rounder look. And it's just more cartoonish than... I mean, that's pretty terrible. Yeah. No, you're right. You're right. Okay.

Okay. Go ahead. Oh my gosh. Why do I have just like dimples for eyes? I said I liked your eyes. better. You're your actual eyes. I will say your actual paint work is beautiful. Well, thank you. Like the textures, like you did a much better job. I just don't know I have just dots for eyes and tiny glasses and then it's a bowling ball for a head. And then my hair is just like one little, you know, it's kind of accurate. Little ears, little wispy mouth. Little dainty ears, then a big old

beard, which is very generous because my beard is not like that. Yeah, yeah, yeah, there we go. Okay, let's hold them up together. That's it. There's your smart money happy hour. Hey, this is smart money happy hour. I'm Rachel Cruz. I'm George Camel. I wouldn't trust these two. If I saw him in a dark alley, I would run the other one. These are for sure mugshots. This guy is not intimidated. Mug shots of Mary and Sean who murder people. That's what these are. This guy is good Wi-Fi. You can trust him. He's not going to hurt anybody. She's going to try to sell you something that's illegal. Yeah.

She definitely does marry Kay. And not well. In the daytime. Does not have a pink Cadillac. She got sold on a dream. Oh my gosh. She got sold on a dream. Wow.

Okay. Well done. That was... That was the most stressful thing I've done in a long time. That was really special. I watched the baby come into this world not long ago. Yeah. That was more stressful.

Oh, well done, George. That was fun. Thank you for your... And now I know what you really think of me. You know what this does look like? It looks like if you didn't know what Steve Jobs looked like in 1984, and you were just like, I'm guessing this is what Steve Jobs looks like. It kind of looks like him.

You know what I do not have a future in? Sketching for criminals for the police department. Oh, that would be a sight to see. Sketches. What do you look like? I don't know. Something like that. They would never find me if I committed the crime.

Oh, my gosh. What did we learn today that we should stick to our strengths? Yes. Men and women are different, obviously. Where they spend money is different. And I think we're okay with it. I'd say stereotypically,

I agreed with most of what the studies found. Yeah, there was no huge shockers. The single women owning more homes was a big standout for me. But other than that, it seems like the people who are, I don't know, trying to keep up, they're going to keep up in their own ways.

For the guys, it's going to be with the gear and the sports stuff and whatever outdoorsy stuff. And for the women, maybe it's more upkeep and apparel. But I want to give credit to the women. Yep. In that societally, we have put more pressure on them to keep up. If that makes sense. From like an outward, yes.

From an outward perspective. Now, some of it's on them, some of it's on women. It's not like men are doing this too women. Yeah, from more of like the consumer side. But I think guys find their ego and like their golf club and their like thing that they got here. Like, you know what I mean? They find their value and stuff too.

And men like to keep score more on the financial scoreboard. Yes. Versus women. Mm-hmm. Women are probably a little more values focused than men. But again, these are huge generalizations because what you'll see is there could be dudes out there crushing it who are investing in their 401Ks, don't care about impressing other people. And same goes for women.

Totally, 100%. And it's okay to buy things and enjoy them. Like, I don't want people to hear, well. they don't want people to spend money on things they enjoy. They hate hobbies and social events. Right, no, no, no, no. But when you do it with debt and you do it for bad reasons and bad motives, it's just going to end up crushing you.

Yes, you just end up in an endless cycle where you're just running, run and running. You're not getting anywhere. It's exhausting. Find value in life, be smart about your money. So when there are things do come up for you to pay for and enjoy, you can actually enjoy it and I have to worry about getting a bill for it later. Yeah.

Delayed gratification is a big one. All right, a couple of rapid fire questions, George. Okay. What is one social expense you're often invited into but hate spending money on? Oh, gosh, there's so many. A social, okay, I'm trying to think of a social expense in my life. Like, hey, we're going to go do this thing and it's going to cost us 40 bucks a piece, 50 bucks a piece. What would that thing be?

I mean, eating out is the big one. For sure. But, like, I don't feel as bad eating out. Yeah, if it's a good meal. Yeah, yeah. Social expense. I like going to the movies. I feel like that's a reasonable.

I always go, like, is this a reasonable cost for the value and entertainment I'm getting and the time I'm spending? Yes, yes. So on that then, I would say if it's a restaurant that's overpriced for the experience you get. Yeah.

I think that can be tiring. Yeah, there's a place in Nashville that's like very high up, tallest building in Nashville, and it's a very cool experience, but the food was just mediocre to me. Yeah, so that would be one that I'm like,

I hate that. That wasn't worth it. Yes, I'd rather go to, get some bar food somewhere and enjoy some time. But here's the thing, a social expense, at least there's an experience involved, and hopefully that is a memory with people that I love. Yes.

And so that, to me, I can justify that pretty easily at the stage of life. Yep, I love that. Okay, what's one budget category you and your spouse feel differently about? Oh, boy. The closing category. Yes.

Man. You feel like it should be higher? And Winston's like, I don't understand why you need to... No. I think it's more he doesn't. And it's not like a thing between us. It's been 15 years of marriage, so we've kind of settled on like what it's going to be.

But I think for him it's like a, do you need another black shirt? Like, I don't know. Like I, you know, where I'm like, ooh, I'm going to go buy four new pairs of jeans or whatever the thing is, you know. He's like, but you've got plenty. So we're getting, he's simple in that. So I'd say that's probably one category.

Because everything else, I would say we pretty much see I die on. But I'd say the, yeah, the clothing category. That's a good one. Yeah. I think my wife is like always wanting kind of new clothes, like refresh the wardrobe. And then they come in. And then she's like, well, I'm going to return most of it. And so that becomes a thing because I'm on box.

I'm breaking down 17 boxes a day of just things that she might return that are really me going to return. Yes. So that part we can bicker about. And the part for me is she knows if I buy a musical instrument or skateboarding things, she knows like hey you're not going to why you're not going to use it yeah you're buying it and it's not going to be used yes and it recently happened I bought a brand new skateboard because I was like babe I'm going to get back into it and how many times have I well because you have a new baby that's the thing it's the reality of life I'm like if I break an arm I can't hold a baby

which is that's going to make her even more angry so that's the thing I'm trying to get back into the hobbies that bring me joy but there's no time in this season to do that You have like a two-week-old. Exactly. I have to follow that. But if I was like, I'm going to get a new guitar, she's like, you don't play the three that you have. Right, right. You know what I mean?

So that's a very fair critique from Whitney. I appreciate that. Okay, so there's some low-budget social hangs that you men and women both can enjoy. You ready? A movie night. A game night. You love a game night. My gosh, game nights are so fun.

B-Y-O takeout night. So just bring it. Yeah, bring your food. Bring it over. I'll eat. Everybody bring it. snack, it's in the backyard, especially if it's like a cool fall into winter nights, get a fire going.

I like anything that's potluck style of jelly. Everyone brings something. Yes, yeah. You know my favorite hang these days has been, it's like, it's definitely like a kid thing. But like after dinner, we got it in a habit like a month into school, I guess because summer was up where it's like, oh, hey, if everyone's coming home from practices and stuff, like, whoever wants to stop by, how glass wine, the kids can still swim. and you can do it to like 7 o'clock.

It's a school night, so it's like seven to eight. And the people that were open, you're able to do it, but it's like an after-dinner thing just for like a quick period just to be like, oh, yeah, house is open if anyone wants to stop by. It can't be late night because we got school the next day. But that's been a fun thing, but you don't have to provide much. Like, there's not like food. No one expects much.

There's not a lot of hoopla. But it's just to like be, and you're not paying out to be out of a restaurant or something. And we do a, we have a monthly supper club with a small group of friends that we do. And it's always that someone, you know, we switch houses. And everyone brings something. And we kind of know, like, hey, you're the salad person. You know, Cassidy's going to bring the wine. She ain't making no food, but she'll bring a good bottle, you know.

Yes. So that's always fun, and it's low cost, and it's a good way to have something on the books. Because I've realized if I don't have it on the calendar, it just won't happen. 100%. And that's why women hang out more than men. They're better on the administrative side to just make things happen. We calendar it out. And men, like, bro, we should, like, hang some time.

And they're like, yeah. Yeah, yeah. And they get nervous. And they feel we're, like, texting a guy like, hey, man, do you want to hang out and say? Girls are. Either we're hanging out, my friend Annie and I, like once a month she comes over, and before she leaves, we put a new date on the calendar, like before she leaves. But then if there's like some friends that text about lunch, people will text, hey, I have Tuesday,

the 14th, Thursday, the 16th. They'll give you like five dates and we can like find a date. I love the specificity. That's it. Don't leave it hanging in the air. And that's why I think guys love sports because it's a thing happening. They're like, hey, you want to come over and watch the game? Yes.

It's not weird then. That's right. You want to come over and just stare into the wind? Just hang out. Yeah. Oh, so good, George. That's good. All right.

Well, before we spill the tea on our guilty is charged segment, let's share the details of the cocktail. Let's do it. This was the bourbon Cadahia. C-A-R-A-J-I-L-L-O. What do you rate it? I'm going to go 9 out of 10 on this one. If I got this at a restaurant or at a fancy coffee shop, I would be impressed. I'm going to go 7 out of 10. Is it the coffee for you in there?

No, I like it. It's fine. No, I like it. It's fine. I just don't know if it'd be like my first to order, but it tasted good. It would be a great after-dinner drink if you need a pick. me up. See, I think I would go espresso martini over this. But I think for the men out there, this is like a manlier version. Oh, there's, that's a good way of putting it. You know, it's like curing tobacco. Tobacco. It's like dip, but in a cocktail. It's got espresso, bourbon, liqueur 43, which is spelled L-I-C-O-R, and it's from Spain. It's kind of a citrusy herbal lique, Angostura bitters, and an orange slice. Comes out to $3.83 per glass. So Rachel wins.

I guessed 438. You were like 426 or something. Yep. So it's a pricier one, but it's very, it feels very high-end cocktail bar. So shout out to our mixologist Michael. Well done, Michael. For a great drink. Get the recipe in the show notes.

Give it a try this weekend if you're of age. All right, now it's time for guilty as charged. And this is where we ask each other a guilty charge question every week. And if we're guilty, we take a sip. All right, George. Question is, have you ever been at a casual friend? that ended dramatically. Dun, dun,

done. 100%. There was one that your brother was involved in. No way. So we were playing a game Secret Hitler where it's not pro-Hitler

just so everyone's aware, but you have all these cards and one of you is Hitler and the rest are trying to take Hitler down. Okay. But the person who's Hitler is trying to... It's kind of the mafia. That's what we play.

Yes. Mafia. So you kind of have this bluff of like, no, I'm not Hitler. I bet it's that guy. And so it's a very strategic game. You have to be very persuasive. Yes. So the goal is to take down Hitler.

And if you choose the wrong person who's not Hitler, then Hitler wins. Oh, man. Not the goal. We don't want that. We don't want that. We don't want that. So I'm trying to convince the group with all my might that I truly aim not Hitler. And I'm like, guys, I don't know how to explain. And your brother played it so smooth, so coy, and convinced everyone that I was the bad guy when he was the bad guy. Oh, stop it.

And I was legitimately mad at him after. I was like, I don't know that I can trust you anymore. I can't work with you. Like, who was this person that maniacally at a sociopath level was able to convince everyone that I was the bad guy and he was clean. So funny. I haven't forgiven him yet. That's good. And then this last one, supper club, I thought it would be a really fun game.

This is right before the election. Oh, Lord. To say, hey, everyone go around the table and say who you're voting for and why. Jesus. It got out of control. with the first person and we had to shut it down. It kind of ruined the night. Oh, man.

In my head, I thought, because we all know each other well, we know that we have different political spectrum here. Yes. And I thought we could have a reasonable conversation. Yes. And it would be entertaining. It was not. Here's what I learned, because my hang, it was that too.

Ended not great because of politics. But the people came back around to each other, men did it. Oh, good. But it was not, I mean, yeah, it was like offensive. It was hard, offensive, all the things. Yeah. All the things. So I've learned, I think, with all of that, it's got to be a one-on-one conversation.

You can't have a group disagreement. If you disagree with someone, you get so much further along in the conversation and actually understand, learn all the things when it's just one-on-one. You're right. And you both have that attitude. If one is stonewalled and they don't care, there's no, like, curiosity, if you will. That's not a fun conversation. It's way more fun if you're genuinely like, oh, my gosh, I want to know.

What did you think about? Like, I want to hear. I think that's my personality is I'm like, okay, like, like, I'm just curious. Yes. Versus having a strong opinion and be like, well, if you don't agree with this and you're wrong. Yeah, yeah, yeah, totally. So I think I was just more open and I assumed the whole group would be because we all know each other and love each other.

And I thought this is a safe, if there ever was a safe place, this would be it. I learned very quickly, Danger zone. So that was my conversation grenade. Okay. I just bit that pin and chucked it in there. Did Whitney, like, kick you under the table? Was she like... I think there was a level of like, why would you...

But I kind of like... picking the fight and then getting in the back and just watching with popcorn. You know what I mean? That's kind of my version of entertainment since I have no hobbies. So forgive me for trying to reason with people and have some fun. Just have some casual conversation. George, unbelievable. So, yeah.

Keep your casual friends hang casual. Don't get too serious. That's right. And if you have a guilty of charge question for us, make sure to DM us at Rachel Cruz and at George Camel because we're looking for them. We appreciate when you send them in. We're always looking. Thank you.

You will love the next episode when it comes to conversations around gender money, the episode Men versus Women, who handles money better after this? And we will link it for you. Now make sure to leave a review and subscribe so you don't miss an all new episode of. Smart Money Happy Hour. Oh, cheers.