The Rachel Cruze Show - The Best and Worst Way to Shop with George Kamel

Episode Date: May 16, 2022

Prepare your hearts to be shocked when we go over nine unexpected things you can get with buy now, pay later services—you guys will not believe what you can make payments on these days. Zero out of 10, would not recommend! Then, my friend George Kamel joins me to talk about some products we definitely think are worth the money. In this episode: 9 Crazy Things People Use Afterpay For 12 Products We Can’t Live Without (with George Kamel) Helpful Resources: EveryDollar Christian Healthcare Ministries  Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsor has paid for the programming you are viewing: Christian Healthcare Ministries. Learn more about your ad choices. Visit megaphone.fm/adchoices

See, that's where you're doing it wrong. I went all in. You got to go all in. Yeah, but then I feel like then I'm owned by Google. You're already owned. Google. You're owned by Amazon. I would, oh, that's a good question.

If you were going to be owned by one big tech company who went on you. That's a frightening scenario. Hey, guys, welcome to this episode of the Rachel Cruz Show podcast. I'm so glad that you're here. So in this episode, we're going to talk about the best and worst ways to shop. You'll hear a conversation I have with my friend and Ramsey Personnel. George Camel, about 12 products that we can't live without. It's a pretty fun part of the episode.

I can't wait for you to hear it. And we're going to break down why there are favorites. But first, let's talk about the worst way to shop. Take a listen. Today, we're going to talk about the latest financial craze. That kind of makes me cringe. Buy now, pay later. Yep.

So this has been a concept that's been around for a long time, but it recently got very popular. It actually started picking up a lot of steam during the pandemic, and now it is a $100 billion industry. So if you're not familiar with services like afterpay, Affirm, Klarna, Zip, Zilch, Sezzle, and other companies like this

that allow customers to pay for items in interest-free installments, you might think, well, that sounds great, interest-free. But listen, they're still. Delate fees and penalties if you miss payments, which happens a lot. A recent survey showed that more than a quarter of consumers cannot afford their Buy Now Pay Later payments. 30% of respondents said that they have struggled to make payments, so they've skipped other bills like rent and utilities, yet to avoid defaulting on Buy Now Pay Layer. And in the same survey, 42.4% of consumers said the whole reason they used, buy now, pay later,

is because they could not afford the items without a payment plan. You guys, this is a huge problem. This is debt. This is what debt is. But it's so marketed and beautiful and wonderful and on all the stores that people are like, oh, it's not that big of a deal. And so it's wild. And so we get in our head that it's okay.

and it's crazy to see what people pay for in payments these days. So today, let's look at all of the things that you can use, Buy Now, Pay Later for, and you will not believe number nine. It's the one that really hits close to home. All right, the first one, most popular, is closed. So Buy Now, Pay Later is very, very popular, and a lot of stores accept different services than others, but stores like Target, Walmart, Forever 21, H&M, Lulule Min,

and Sex Fifth Avenue. They're all hopping on this trend. And imagine paying a $20 shirt and four payments. I even saw a sign in front of a clothing store that said something like, are you broke but still want to treat yourself? Use afterpay. So it's amazing how they market this, you guys. I mean, and again, clothes can run the gamut for the dollar amount that you pay,

and you can justify in your head and be like, oh, sure, I can buy that $200 pair of jeans and pay $50 a month versus $200. That feels better, but guess what? It's the same thing. It's $200, and if you lose, if you miss a payment, then, yeah, it's going to screw up everything, and it's going to add in all these fees and penalties, you guys, so not worth it. Number two, home decor. So places like pottery bar and IKEA, bedbath and beyond are all accepting buy now, pay later payments.

That means you'd be making payments on that throw pillow or blender for four different payments over time. Yep. All right. Number three, school supplies. I found an afterpay ad that talks about how you can buy now, pay later for school supplies at Kmart. Now listen, school supplies, they are expensive, okay? I got the list for a million. I was like, oh, my gosh. So it's one of those things that, yeah, if you have kids and you're like, man, I have to buy three different sets of all these school supplies. It is expensive. Then something like, buy now, pay later. It really does. It can feel like a good thing. But listen, take your time and look at the list. If you cannot afford everything on that list, don't buy it all right now. Even contact the teacher if you have to and say, hey,

is there things I can buy later on in the fall or at Christmas time that they don't need like the first month or two of school? Figure out a plan, but do not fall for the buy now, pay later. Number four, groceries. Zip is advertising that you can pay for your next purchase at Kroger, hold foods, trader Joe's, and other. stores and four installments, plus other stores where people can buy groceries like Target and Walmart, of course, except buy now, pay later. This kind of acts like debt. What ends up happening is you don't feel the purchase, okay? So when you're grocery shopping, especially, which is the number one budget buster, it's so easy to go over the budget with groceries, you're even more

likely to spend more money when you're not feeling like, oh, I'm going to pay for it all right now. but when you know I have to pay for all of this in cash or with my debit card, you think twice about what you're purchasing, and that's a good thing you end up spending less. All right, number five, makeup and skin care. So people use buy now, pay later services at stores like Alta Beauty and Mac. I even found an ad for a $40 serum that Sezzle wants you to buy in four payments of $9.74. $9, you guys. No, if you can't buy it, if you can't buy the $40 serum, don't buy it.

No, just say no. Just say no. Just say no. All right, number six, home gym setup and workout equipment. So Peloton, mm-hmm, buy now, pay later. They welcome it. Or like this Affirm ad, that you can get a home gym set up and lift now, pay later. Oh, Affirm, you're so funny.

You're so funny making people spend the money they don't have. Not good. Not good. Number seven, tickets, plane tickets, concert tickets, skydiving tickets. All can be purchased by now, pay later. Ticketmaster has also jumped on this. And people can use Klarna to buy tickets, but they can buy now, pay later. So again, you guys, it's just everywhere.

Number eight, gas. Yeah, gas, which I know is so expensive right now, but places like Texaco and Chevron are allowing Clark. Larner and Zip payments. So, again, as gas prices get higher and higher and higher, I just imagine how fast those payments are going to pile up and it's become overwhelming because you're going into debt for it. Number nine, the one that hurts the worst.

Like, take the knife out of my heart right now. Pizza. Yep, pizza. Domino's, for instance, the buy now, pay later service. Zilch is now letting people order pizza from Domino's, Uber and Papa Johns. and pay it over six weeks. Y'all, if you can't buy a pizza,

don't buy it. If you can't pay for it up front, as much as I love it, and I want you to experience pizza whenever you want pizza, just say no. Just say no. Go to the store,

get a frozen one, get an old tombstone from the frozen section for like three bucks, okay? There's a way to do it and eat pizza and not do this idea of payments,

you guys. It's just this idea of debt. It's like, again, marketed, and presented in such a great, wonderful way, but it's not. You spend more money and you buy things you can't afford. And again, the scary thing is, is that it's not even for expensive stuff.

It's really for inexpensive things. But people get caught up and paying for these things in installments, and they lose track of their payments. They get backed up, and then all of a sudden, they defaults. And then all the fees and all the penalties start racking up. And you think, dang, for a large pepperoni pizza, this is where I've ended up. This is what my life's become.

Not good. And again, the emotional idea of cash, you guys, when you spend with cash or your debit card, you feel it. There is something emotional. And this is for loans, credit cards, and buy now, pay later. It's a real thing. When you use your money, you make different decisions. And there's a lot of kind of sketchy things that these companies do to make money off

of you. Like, it's not these companies are like, oh, we want to help people. They're making a lot of money. And so I want you to check out the fine, print podcast, and it's called After Pay Affirm Klarna. Should you buy now or pay it later? And George Camel goes deep into this content. It is so, so good.

So make sure to check out that episode. All right, you guys, don't fall for this stuff. Listen, I love shopping more than anyone. I can get on board with the thorough pillows and the clothes, not so much the Peloton and all that, but like other stuff, I get it. I get it. We want fun things. We want to enjoy life.

absolutely an amen. But don't do it sacrificing your financial future. Don't. If you can't pay for it, don't buy it. It's as simple as that. You're going to be so thankful down the road, five-year-old more version of you is going to look back at today's version of you and say, wow, thanks for setting me up and getting me out of debt and having an emergency fund and funding retirement. And now I'm free, don't have stress when it comes to money, and I can enjoy my life because that is what this is about. But money, it's become a thing that is so stressful for people because of decisions that they make. So remember, you have the ability to make different decisions, and that's what I want for you. I want you to make decisions that are going to help

you in the future, not set you back. Get you to building wealth versus keeping you broke. And I'm here with good friend and fellow Ramsey personality, George Camel. We're colleagues, Rachel. Colleagues. Well, I consider you a friend. Do you know, my friend bar. Wow, what is your friend bar? Some people are like, oh, yeah, my good friend. Oh. Hillary Duff is what I'm going to time on.

Why was that your go-to? I don't know. I went to Hillary Duff. I have no idea why. I don't know what subconsciously is going on in my head. But you know, I'm people like, oh, yeah, I'm good friends. You know, I'll hear people say that about someone that's like a really big name. Yeah.

I'm like, are you really friends or did you meet like twice, you know? Oh. So my bar is if I have your cell phone number. Oh, that's like a friend. I think so because I'm like, oh, we can text. and, like, talk. Okay. Then I guess I'm friends with my electrician.

You are friends with your electrician. We're buds. Well, thanks for having me. We are colleagues, and we are friends. So I'm glad you're here. We just wasted four minutes of the episode just talking about that. Yes, we did.

Worth it. Hillary Duff and Electricians. That's what we're going to name this episode. Okay, for real, though, we are going to talk about today some of the products that we love and we can't live without. So we did an episode a little bit back, a little while back, that there were products

that you can waste your money on. We kind of had a disagreement. Hot products. And some things I love, yeah, some things you did it, you know, all of it. But people loved it. And so now we're going to talk about products that are not a waste of money. This is not sponsored. Yes.

People always think it's sponsored because we mention a product. I know. Now if a product wants to sponsor us. They might for Rachel, but me mentioning a product like no one's trying to sponsor me. I know. I'll get there. I'll sponsor. Thank you.

Rachel's my sponsor. Sponsored by the Rachel Cruise Show. There we go. Okay, so there are things, though, in my life and your life that just make life easier, right? So we're going to talk about that because we talk about saving money and making sacrifices and all of that, which you should still do. But sometimes it's good to buy things that are of quality that last. And it's important because there are, again, wise purchases, unwise purchases, all of it. Yeah, as you get out of debt, you get an emergency fund.

You can buy things for life. quality things. You don't have to go to the thrift store every time. You know, sometimes it's nice to have a few quality items. Nothing wrong with that. As long as you do it with cash. That's exactly right. Okay, so here's the fun thing. Two, we don't know each other's things. So George made a list. I made a list. I'm so curious to see the differences. Okay, you go first. All right. One of my biggest things is all of my Nest and Google smart devices. So all the cameras in the house, my front doorbell, my lock, my thermostats, my bulbs, my plugs, my speakers, my smoke detector.

It's all smart, and I can control it with one app and with all of my Google products. Dang. That changed my life. To just be able to say, hey, Google, good night, and it's like, thermostats, go down. Lights are all off. Doors locked.

How hard is it to do that, though? It's not hard. Winston can figure it out. Well, we have Nest, and we have Alexa, turn on living room. Yeah. And light bulbs come on. I don't want to have to go flick a light off ever again.

We do have the thermosite, but I think it's all separate apps. Our garage doors on an app. See, that's where you do. doing it wrong. I went all in. You got to go all in. Yeah, but then I feel like then I'm owned by Google. You're already owned. Google. Amazon. Big Tech's listening. You're owned by Amazon. I would be honest. Oh, that's a good question. If you were going to be owned by one big tech company who would own you? That's a frightening scenario. Amazon won for sure own. Oh, yeah.

Yeah. Mine are probably Target. Not Google? Maybe. I don't know. I don't like, I don't like, it's too digital. Google has your thermo, has the ability to change your thermoset. Okay, this is creepy. Google owns you. In the middle of the night, we'll hear the volume tick up and down. Stop it. Stop it. Stop it. Stop it. All right. That's for another day. Conspiracy theories. No, so this is a funny story. Okay. We can edit it out or keep it in. But, God love my dad, old Dave Ramsey.

And he's like, I'm not getting one of those. I'm not getting one of those speakers because they listen to you and, you know, that whole thing. But then this is the same man that turned in his DNA to a website to figure out his heritage. I was like, they're going to clone you. I would rather a device listen to me than be cloned by some offshore company. I am voting for Dave Ramsey being cloned. I'm on that team. But I'll have to say, I love a good conspiracy, so I will never send my DNA in anywhere. No, no, no, no, no, no, no, no.

You can Google my DNA. But I do have Alexa, so I don't know what that means. Okay. All right, your turn. My turn. What's your thing? An Amazon firestick. Oh, wow.

That's your thing? Life-changing? With little ninos running around. Little children. Because back, like, even probably six years ago, I mean, I would carry a sleeve of DVDs if we went and traveled somewhere because a hotel or if you were in a house, like there's usually a DVD player and you put it in, movies, all of it. The fire stick, it's got everything.

It's got Netflix. It's got Disney Plus. You take it with you wherever you go. Teeny, teeny, teeny. Plug it up to any TV and boom, it's all there. All their stuff. Life-changing, George. I believe that with kids.

That makes sense. Life-changing. All right, what's yours? Okay, this is just a sad, trivial one. but Plackers, Twin Line flossers. You know about this. I do know about this. Okay, I think I, you know what?

I have one in my pocket. Yes. This is it, folks, right here. Oh, in the double line. Zoom in, Chad. This is a twin line. You got to have the twin line. Twin line.

A pack of this is like three bucks, and I'm telling you it is a luxury flossing experience. Next time you go to the dentist, they ask if you floss. You'll say, of course, I'm a placers man. I'm a plackers man. Not sponsored. Why the double? Why the double?

For some reason, it hits different in the teeth, literally. Wow. It hits different, and it's just, it feels nice. I have asked maybe like five times in my whole life randomly, I need some floss, and George Cameron was there, and he whips it out. And I'm like, really? Have you used to it? Again, trivial.

$3. Anyone can afford this. And you throw it away after? Multiple use or throw it? No, one-time use, guys. Come on, please. Are you a flosser like day and night? Like, are you like...

Oh, yeah, I flossed probably two, three times a day. Well, because you're on camera and things. Like, I flossed after lunch to be nice and... prep for your show. Rachel hasn't flossed since 2004. I don't floss. Moving on. And I go to the dentist and they're like, ugh.

Do you lie to the dentist? Well, I do until they floss my teeth and my gums bleed. And they're like, yeah, you probably don't floss. I'm like, floss people, PSA. I don't know, I'm a brusher. Okay. Again, small, life-changing, smashbox, photo, finish, makeup primer. Okay, those are, that was a brand new sentence for me.

Unpack that. I know. I had to get the exact name, though, because it has. a specific consistency, like a texture. So you do primer, usually after your moisturizer, you put primer on for, you put makeup on, and it keeps your makeup on all day, so it's great. Is that different than foundation? Oh, yeah, yeah, foundation.

It's color, and it's like a base. We need a whole other episode of you teaching me how makeup works. But primer's clear. So you get different types of primer. This, I think it's the photo finish type, it's Smashbox. But it's like a, I wish you could feel it because it feels like, oh my gosh, silk almost or something. It's wild.

And you put it, I mean, and it sets in very, you know. very well. But like, for me, I rub it on my hands and then put it on my face, which I probably waste product doing that. But it's not like a lotion. It's like a silk feeling. You just rub it in your face and that's your final piece? Before, before makeup. Oh gosh. And how many steps are there? And then you put on makeup. I'm very low maintenance. I really don't have a lot of steps. I could do all my makeup in five minutes. I guarantee.

I believe that. I take longer to get ready than Rachel. That's honestly probably true. But the makeup primer, smash box, photo finish. It's amazing. Wow. Okay. You're up. Okay. I'm going to hit you with this one. The Garmin, So it's a tiny, tiny dash camera that goes behind my rearview mirror. Okay. And this films outside of my car.

Why? Because I am paranoid about accidents and having them be my fault. This is a very personal story, Rachel. Wow. So back in 2014, I got in an accident. I have no clue how. And the lady, months later, who was totally fine, ended up suing me for like 300,000. It was like $300,000.

She was trying to sue me for her. I remember this. And my dad. So since then, I'm like, I'm getting a dash cam so that I can show insurance. No, this lady's just crazy. It was her fault. Wow. And it shows it all.

Dash cam, just for insurance purposes, it's like $100 to get this dash cam. It's tiny. You don't even see it. But it gives me peace of mind. Wow. Is that like a great fear again now? Like you... Kind of, yeah.

I'm just worried of it. Someone blame me. What's that? Being, like, convicted of a crime I did not commit. That's so specific. It's so scary to me. So actually yours may help me. I don't know, because I could be...

Get a dash cam. It's the same idea that you're there in court. You're going to go after her. And I was like, I didn't. I swear I didn't. I promise I didn't. But they were saying I did. I'd bail you out.

I would get the dash cam. Good. I just convinced her to get something. This is big. That's good. Okay. Your turn. I'm going to stick on the...

I'm sticking with the face theme for me. Control, corrective, moisturizer. So... Another brand new sentence. Everyone, those of you that listen to the show or watch the show on a consistent basis, you know one of the things I gave up in 2022 was expensive face care stuff, right? Like I used to do all this facial. I used to do all this stuff to my face.

Now I do nothing, basically. But I do still like a good moisturizer. So it's a little bit of an investment. Okay. You can get off like Amazon. But it's a nice moisturizer and it's clean, all that, and it has some SPF in it, even though I do some more on top. But like, it's just like, it's a good, it's one of my favorite moisturizers.

and it's a little bit higher price point, but it's great. But it's worth it. You're like one of those influencers who's like, lot of you been asking about my... I guess in my DMs. Everyone's been asking me about... You've become that. How I do.

Oh, no. No one's asking about my floss routine. So I haven't been able to drop the placards in there with the affiliate link. They might. I've never used an affiliate link. Maybe I should. All right.

To buy you some more flossers. My turn. This one is legit life changer for us. It is the, dome, D-O-H-M white noise machine. White noise machine, but not the digital ones. Do you have a digital one? No, it's the

pure air? Yes, it's like an actual motorized fan. It's a little, fun, little device. We've got two of them in our room that are attached to smart plugs. So I just say, hey, Google, turn on noise machine, and it's there. And let me tell you, having dogs in the room that sometimes snore and all the little noises

that can happen, this helps us sleep like babies. So there you go. Every one of our babies has that in the room. Gotta have a noise machine. We loved it so much that we got one. It's good for adults too. It's not just for babies. I know.

And I learned all about the like sound machine noises and stuff. So there's different frequencies. So white noise anyways. Brown noise is our favorite. So we turn on the whites. It's a little deeper, darker kind of sound. It's like instead of like a shh. Yeah.

That's white. It's like a... Yeah. So you got the white dome, and then you say, Alexa, turn on brown noise. And he goes, how many people's devices are being triggered with this episode? I'm sorry, everyone. Okay. That would be really funny.

Your turn. Okay. The Yeti coffee mug and a specific one. So I used to have like the big ones that were kind of wider, but all in my cup holders, I'm the worst. I like putting stuff on a cup holder doesn't fit, and so it's tumbling. I've spelt more coffee in my car than you probably, I want to admit. But there's a smaller version that's skinnier and taller. Perfect.

So skinny and tall fits in the cup holder? I, yes. And Yeti is your brand. I know. And there's other brands out there that do that whole, like, controlled temperature, all of that. But I don't know. I don't know if I'm just high. I don't know what it is.

But the Yeti. Well, you're going to say, I don't know if I'm high maintenance. A little bit. But Yeti, it's just, I don't know. It's the brand. They make a quality product. Nothing wrong with that. I think that's it.

Okay. Okay. This one, we both try. travel a lot. This one's big for me, and I just found it recently. It's called the Trek Stand Hands Free Cell Phone Holder. It's just like a blue little sheet, but it bends and folds and holds its shape. And so you put it like in the little slot next in the airplane seat in front of you, and you bend it, and then you put your phone on it. Because you know how you're always like trying to watch a movie and you're like holding it in a weird position, trying to like steady it

and it falls. This avoids all of that. And it's flat. So you just put it back flat, slip in your bag. Interesting. I saw. Up there. If you travel a lot or you need to have your phone placed perfectly, do it there. It's amazing. Okay. I am not, see, I'm so low maintenance.

You ready for this? A curag. Oh. I'm not a coffee snob. I don't need all the fancy. You're a curig woman. I don't know. All that.

Yeah. A curag is perfect. And when we built our new house, I had specifically said, I want a little, like, chest of drawer. I want something over there that I can have a curag on top, coffee mugs at the bottom, because I wouldn't be able to make my coffee in my coffee. my room because I don't do creamer or sugar, I don't do anything.

Just black. Just black. And I can take it into my bed and drink my coffee. Wow. And a curag, it is the most easy. It's the easiest thing ever. Okay. My upgrade pick is an espresso. Have you tried a nespresso machine with an N? You're getting, you're getting fat. Nope. See you. It's okay, y'all. It's like curig with a master's degree. It's not that much more expensive, but the taste, wow. But what do you, you can't use a little cup thing, though. You got to do beans and all that, right? No, no, it has little pods you buy. Oh, it does?

Yes, you just pop the pod and hit a button, just like the curator. But it's an elevated experience. Okay, shoot. You've probably seen the George Clooney ads. Okay, never mind. We'll get her there, folks. We'll get her there. Okay.

All right, you go. Okay, Rachel, my last one. You ready? Yes. This is a menial, trivial one again, but it's an electric USB candlelighter. So it plugs into USB to charge. Okay. I've only charged it one time in my life,

and it just has a little electric thing and I just can light candles with it and it has a bendy thing. It's life-changing, George. These are things that you could not live without. Because, you know, you have a tall candle and it's hard to get in there sometimes. This is not a problem for most of people watching, apparently.

I just like it. It's kind of tech-savvy and it's nerdy. And I was tracking with you so much. And then this through... And then the USB candlelighters what got her. This through me. I'm going to get you one. Okay, because, I mean, we have candles,

but if you have a regular lighter and you're worried that what, the flame comes up and burns the hand? I don't know, it's just fun. Okay. It's just fun. There's no real fire. I don't know how they do it.

I was getting so, but it works. We'll edit that one out. I was doing great. No, we're keeping it. We're keeping it. Okay. Okay, what's yours? Last but not least.

Sam Edelman heels. I know about these heels. These heels, I'm telling you, everyone's like, how do you wear heels all the time? Because it's the spraint. And again, they're probably like $100 a pair or maybe even a little bit more now with inflation.

But it's the only brand that I know that I know exactly what size I wear, which is very important. And they're comfortable. Like, I mean, they're heels. They're not flats. But, man, I don't know. I can be in them all day.

So is it a mixture of they look really good and they're super comfortable? That too. Like they have great patterns, great colors. If you want some fun heels, Sam Madelman. I love them. Unhelpful for me, but hopefully people watching. Should I get him for my wife?

Yes, Whitney. This is a great gift. Should I get Winston a USB candlelighter? You know what? Maybe he's nerdy enough to appreciate it like me. Actually, he has a, he is a little bit of that side of him. I mean, we do say Alexa, turn into your mom. I can't wait.

Okay. I love it. Love it. All right. Well, products we love. We love them. We love them. You may hate them.

You actually may be commenting right now, how terrible we are as people because those are our life to be. I'm sure people will have thoughts about my boogey products. People will have thoughts about my boogie flossers. All right? It's just a flosser, guys. Relax, okay? It's a double flosser, though. Double, twin line.

Now, again, prices are all over the map. Some of this was like you could get, some of its investment, all of it, but high quality products that are worth the money, at least in our lives. So with some products, again, you're going to save money by getting the knockoffs, which you can totally do. But again, getting the real deal. I don't know. Sometimes it's nice to get the real deal.

It just feels good to get a Yeti, you know. Buy the Yeti. Buy the Yeti. By the Yeti. That's Rachel's take. But let us know in the comments some of your favorite products. Wouldn't that be nice?

Yes, let us know. I'd like to know. I'm sure there are. I'm sure there are on George. George's like maybe, maybe there's things that we don't know about, Rachel. No makeup and heel tips for me. I would say so.

George, thanks for being on. Always a pleasure. Thanks for having me. All right can everyone. Oh, you can find you besides here. Besides right here in this room at Instagram, George Camel. Camel with a K and co-hosting Ramsey show and Fine Print Podcast.

So all over anything Ramsey, you'll see me and you'll see Rachel. We're having a good time. And we are. We're having a great time. Oh, George Camel. He's just the best, is he not? Hopefully you guys had like one or two things on that list that you're like, ooh, that would be fun to have, you know, to create a life I love.

So hopefully that gave you some good ideas. All right, one thing that I am loving right now, I'm going to say are flats. Shoes, yep, shoes that don't have heels. Why? Because I broke my toe. I broke my toe and it's so stupid. I ran into the doorframe of our bathroom going into our room. It's just, it's one of those things in life that you just think, why? I'm a grown woman who pays taxes and are mothering other humans on this earth. How in the heck do I run into a wall basically and break my toe? But I did. I did. And so I usually love heels and I think I've given Sam Edelman a shout out on here

because his heels are my favorite shoes ever. I've not been wearing those recently. Nope. I'm kind of enjoying the flats these days. You know, it's comfortable. They're great. They're cute. So that's one thing I'm loving because it's my only option.

Let's be honest. Okay, one thing I'm learning about are NFTs. Yes, I've done some episodes on this that are going to be coming out. Some have come out. But this is like one of the new ways to invest your money when it comes to the Metaverse, and it's just bizarre, you guys. It stands for non-fungible token, and it's just, it's the most bizarre thing ever. So I kind of dove in and learning this world.

It's weird. I don't really even know what to say about it, but I'm learning about it. So there you go. That's one thing I'm learning about. All right, I want to thank you guys so much for listening to this episode, and I want to thank George for being on and being my guest. and if you guys have not hit the follow button to subscribe to this podcast, make sure to do that. And if the spirit leads, you can leave a review.

And as always, make sure to take control of your money and create a life you love.