Smart Money Happy Hour with Rachel Cruze and George Kamel
Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love.
Are You as Financially Stable as You Think You Are?
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Are you the financially stable adult you think you are? This episode will help you find out. Plus, you may or may not hear a few shocking money confessions from your cohosts.
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· 📒 Create your will with Mama Bear Legal Forms!
· 🎙️ Catch our episode Scale of 1–10: How Strict Are We on These Ramsey Rules?
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· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
·...
Put Your Financial Knowledge to the Test! (Game Show Edition)
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Hear us out: What if sometimes it IS all fun and (money) games? Today, we’re testing our financial knowledge under pressure with a little friendly competition.
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· 🎙️ Catch our episode Luxury vs. Dupe (Can You Spot the Difference?)!
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send...
Unpacking the Biggest Financial Flops in Recent History
🏠 Be prepared to buy or sell your home with our Real Estate Home Base!
Ever wonder if you’re secretly missing out on moneymaking schemes that seem too good to be true? Today we’re unpacking the biggest (and most public) financial disasters in recent history.
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· 🎙️ Catch our episode Ranking Your CRAZIEST Emergency Fund Stories!
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @geor...
Bougie Expenses That Are Worth Every Penny
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From first-class flights to in-home saunas, today we’re confessing whether we’d “bouge it or lose it” with the internet’s best list of bougie splurges. Join the fun and drop your honest thoughts in the comments!
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· 🎙️ Catch our episode Waste or Worth It: Rating “Life-Changing” Products!
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 🎥 Watch George’s video Don’t Buy Another Roll of Toilet Paper Until You Watch This!
· 💵 Create a free budget and find more margin with EveryDollar...
Firing Back at Our Comment Section Haters
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Comment section check! That’s right—we’re fearlessly addressing your questions, comments and criticisms . . . all in the name of your financial future (and also just for fun!).
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· 🏠 Already have a mortgage? Check out the Mortgage Payoff Calculator!
· 🎙️ Catch our episode 10 Signs You’re Doing Better Than Most Americans!
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze o...
Judging Your Shopping Addiction (and How to Overcome It)
💻 Wondering how you’re actually doing with money? Find out where you stand.
Since everyone’s “doing their own research” these days, we decided to match that energy and dig into the psychology of money and why humans tend to overspend.
Next Steps:
· 🎙️ Catch our episode Waste or Worth It: Rating “Life-Changing” Products!
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Ins...
VIRAL Trends Taking Over Your Algorithm in 2026
💻 Take the Side Hustle Quiz here!
If you can’t beat ’em, follow them? Today we’re reacting to the biggest social and spending trends of 2026—let us know in the comments if the algorithm “got ya” with these, because this list definitely has range!
Next Steps:
· 🎙️ Catch our episode Waste or Worth It: Rating “Life-Changing” Products.
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georg...
Tipping Culture: When the Heck Should You Actually Tip?
💵 Check out this article How Much You Should Tip in Common Situations.
Here’s one for your next family dinner: Tipping in 2026—you have feelings, we have feelings, and at this point, the social expectations are changing by the day! It’s time to set the record straight.
Next Steps:[JS1]
· 🎙️ Catch our episode Frugal Hacks That Could Go Too Far.
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Se...
Attention World! This Is What Things Should Cost
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A family trip to the movies can easily cost $80 these days; it’s rough out there! Today we’re talking about the reality of inflation . . . but in a fun way, we promise.
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· 🎙️ Catch our episode Common Money Wasters the Average American Falls For.
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be s...
Scale of 1–10: How Strict Are We on These Ramsey Rules?
❓ Have a money question? Ask Ramsey is here to help!
Have you ever read an “opinions are my own” disclaimer in someone’s social media bio? That’s the vibe of today’s episode. Today we’re confessing (and explaining) some of our most “non-Ramsey” financial takes.
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· 🎙️ Catch our episode Decoding Weird Things Dave Ramsey Says ("Plastic" Surgery?)
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rache...
Financial Experts Rank Your WEIRDEST Unexpected Expenses
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This one goes out to ole Murphy and that pesky little law of his. (If you know, you know!) Today we’re rating your worst-case scenarios and proving why everyone needs an emergency fund.
Next Steps:
· 🎙️ Catch our episode Surprisingly Simple Things That Make You Feel Wealthy.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 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 th...
Ultimate Hot Take Compilation: Tacky, Sketchy, Icky and Worth It
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When it comes to life and money, we’re full of hot takes. Join us for a nostalgic trip down memory lane as we revisit some of our most hilarious (and unhinged) financial advice episodes.
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· 🎙️ Catch our episode Judging People Based on How They Spend Their Money.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure t...
Finances, Friendship and FUN with Annie F. Downs
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The “F” in our guest’s name stands for “Fun”—and boy did we have all the fun talking money, relationships, hot takes and more with Annie F. Downs. This one feels like a party, so stick around!
Next Steps:
· 🎙️ Catch our episode How Matt and Abby Went from Broke College Kids to “Unplanned” Influencers
· 📗 Check out Annie’s new book Don’t Let That Hold You Back.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for R...
46 Minutes of Unique TikTok Side Hustles
💻 Take the Side Hustle Quiz here!
We all need a little wiggle room in the budget from time to time. Today, we’re reacting to the internet’s latest side hustle quests. Plus, we’ll teach you how to find out which part-time gigs are your perfect match.
Next Steps:
· 🎙️ Catch our episode We Judge People’s Ridiculous Money Decisions for 58 Minutes!
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and Georg...
Explaining the Lore Behind Ramsey Slang (“Plastic” Surgery?)
Get your ticket for Investing Essentials today!
If you’ve ever wondered what phrases like “clock the tea” or “rice and beans” mean—today’s episode is for you. We’re decoding trendy and financial slang (and of course, addressing the haters along the way!)
Next Steps:
· 🎙️ Catch our episode Old School Money Habits Making a Comeback? (We Have Thoughts)
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachel...
Luxury vs. Dupe (Can You Spot the Difference?)
📙 Check out George’s book Breaking Free From Broke.
Taste tests, TikTok trends, a little friendly competition—today may be all about “dupe” culture, but don’t worry, this episode is the real deal as always. You don’t want to miss it!
Next Steps:
· 🎙️ Catch our episode Financial Experts Rank the Worst Spending Habits!
· 💵 Create a free budget and find more margin with EveryDollar.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram...
Waste or Worth It: Rating “Life-Changing” Products
💵 Create a free budget and find more margin with EveryDollar.
If every product is “life-changing” then no product is life-changing. We’re calling consumerism’s bluff by judging wellness and lifestyle fads that are overhyped.
Next Steps:
· 🎙️ Catch our episode Judging People Based on How They Spend Their Money.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 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.
...Blind Ranking the Internet’s WILDEST Investment Stories
🎟️ Get your ticket for Investing Essentials today!
When it comes to money, is boring always best? From everyday internet scams to rare lottery success stories, today we’re blind ranking the good, the bad and the just plain dumb of investing.
Next Steps:
· 🎙️ Catch our episode Roasting the Latest Financial and Social Fads (Here to Stay?)!
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 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 s...
10 Signs You’re Doing Better Than Most Americans
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Sure, the world feels like it’s on fire, but hear me out: What if you’re doing better financially than you think? Consider today’s episode the unexpected reset you need!
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· 🎙️ Catch our episode 10 Jaw-Dropping Money Stats About the Average American
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 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...
Frugal Hacks That Could Go Too Far
💰 Find extra money in just two weeks with our Money Finder Challenge!
Whether you love or hate frugal living, this one’s for you! We’re exposing common frugal “hacks” that secretly drain your bank account. Tune in to make sure you’re not sabotaging your budget.
Next Steps:
· 🎙️ Catch our episode Old School Money Habits Making a Comeback? (We Have Thoughts)
· 🍸 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 sen...
Judging Lifestyle Upgrades: When Is It Finally Okay to Splurge?
📚 Grab a copy of George’s book, Breaking Free From Broke!
At what point does “treat yourself” become a line item in the budget? Today we’re talking about “splurging responsibly” and how to strategically upgrade in your wealth-building journey.
Next Steps:
· 🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy?
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel o...
Calling Out the Biggest Money Wasters of All Time
💰 Find extra money in just two weeks with our Money Finder Challenge!
We’ve all fallen for a scheme or two on our worst day, but the important question is: How much of your hard-earned cash is still being snatched by these common money wasters? Stay tuned to find out!Next Steps:
· 🎙️ Catch our episode Financial Experts Rank the Worst Spending Habits
· 🍸 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...
Surprisingly Simple Things That Make You Feel Wealthy
📈 Need help with investing? Check out our free guide!
When was the first time you didn’t feel broke? Whether you have an answer to that question, or you’re wondering if that day will ever come, today’s episode is for you!
Next Steps:
· 🎙️ Catch our episode Reacting to: “If I Can’t Buy a Home, Why Don’t I Just Be Gorgeous?”
· 🍸 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...
Cringe or Cool? People Financially Oversharing on the Internet
💵 Create a free budget and find more margin with EveryDollar.
If you have feelings about married couples requesting coffee payments from each other on Venmo, you’re in the right place. Today we’re unpacking bizarre public money behaviors—stay tuned to find out if you’re guilty!
Next Steps:
· 🎙️ Catch our episode Out With the New, In With the Old: Money and Lifestyle Trends.
· 🍸 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...
Ick or Sick: We Judge People’s Financial Drama
💵 Create a free budget and find more margin with EveryDollar.
When it comes to your money, it’s either, “Dude, that’s sick!” or “Major financial ick!” Today we’re telling you exactly what we think about your financial habits using the latest Gen Z buzzwords.
Next Steps:
· 🎙️ Catch our episode Judging People Based on How They Spend Their Money.
· 🍸 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 @rac...
Rage-Baiting Ourselves With America’s Shocking Home Prices
🏡 Get organized to buy or sell your home with our Real Estate Home Base.
If you love an episode of House Hunters or The Price Is Right (or if you’re just nosy about other people’s property value), today’s episode is a must! Plus, Rachel’s husband Winston is here to join the fun and share his real estate expertise.
Next Steps:
· 🎙️ Catch our episode Spilling the Financial Tea With Our Better Halves.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for...
Financial Gaslighting (It’s More Common Than You Think!)
📈 Don’t know where to start with investing? Check out our free Complete Guide to Investing!
Reality TV taught us about “gaslighting”—but did you know it can also apply to your money? Stick around and watch us debunk the toxic communication trap that’s keeping you from building wealth.
Next Steps:
· 🎙️ Catch our episode Love and Money: Financial Decisions People Immediately Regret.
· 🍸 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 877-306-15...
Roasting the Latest Financial and Social Fads (Here to Stay?)
❓Have a money question? Ask Ramsey is here to help!
The trend pendulum never stops swinging. Today, we’re unpacking financial and lifestyle fads that we’ve seen before . . . and we’ll probably see again in another ten years.
Next Steps:
· 🎙️ Catch our episode Ranking the Worst Financial Habits (and Admitting Our Guilt)
· 🍸 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 @georgekam...
Reacting to Outrageously Bougie Celebrity Homes
🏡 Get organized to buy or sell your home with our Real Estate Home Base.
Welcome to our crib! Today we’re peeking into “The Fabulous Life” behind the bougiest real estate in America. From luxury celebrity homes to billionaires in Nebraska—you don’t want to miss this.
Next Steps:
· 🎙️ Catch our episode Answering Your Top Housing Questions
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcru...
Ritzy vs. Regular: Reacting to Social Events in Every Class
Join us on the Live Like No One Else Cruise!
🤔 Think you’re good with money? Take our Money in America quiz!
Lifestyles of the rich and famous—and the relatable regulars. From the Met Gala to the bougie Europe trip your cousins won’t stop posting on Facebook, we’re lifting the veil on the most notorious social events in every social class.
Next Steps:
· 🎙️ Catch our episode We Judge People’s Ridiculous Money Decisions for 58 Minutes.
· 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour
· 📱 Submit a...
Critiquing the Best and Worst Rebrands of All Time
🤔 Think you’re good with money? Take our Money in America quiz!
If you love a good rebrand, glow-up, or before and after, today’s episode is just for you! From Cracker Barrel to Lindsay Lohan, we’re breaking down the most iconic (and disastrous) rebrands of all time.
Next Steps:
🎙️ Catch our episode Pros and Cons of Shopping in 2005 (Should We Go Back?). 🍸 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 @rachelcru...Out With the New, In With the Old: Money and Lifestyle Trends
💵 Have a money question? Ask Ramsey is here to help.
If you love 90s nostalgia (or you just hate change), you’re in luck! Apparently, right now it’s trendy to do life the old-school way—and when it comes to your money, we 100% agree.
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10 Jaw-Dropping Money Stats About the Average American
💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!
We’re not encouraging you to keep up with the Joneses, but have you ever wondered what their finances are actually like? Today, we’re unpacking jaw-dropping money stats that’ll make you reevaluate your own money situation.
Next Steps:
🎙️ Catch our episode Weird Money Habits That Will Make You Rich. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your q...Ranking People’s Wealth Habits, From Fake Rich to Quiet Wealth
💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!
It’s not as simple as “broke” or “rich” anymore. Today we’re unpacking what kind of “rich” your spending says you are—from “fake rich” to “new money” to “quiet wealth.”
Next Steps:
🎙️ Catch our episode Are These Common Money Habits Broke, Average or Wealthy? 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on...We Question Dr. Arthur Brooks on the Secret to Happiness
💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!
It’s not every day that we get to grab a drink with a Harvard professor, bestselling author and happiness expert. Dr. Arthur Brooks is here to talk money, life, faith and so much more.
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Reacting to: “If I Can’t Buy a Home, Why Don’t I Just Be Gorgeous?”
💻 Shape what comes next for Smart Money Happy Hour by participating in our Spring 2026 audience study!
If you’re an exhausted millennial wondering if buying a home is a lost cause, we get it—and we’ve got you. Today, we’re unpacking common home-buying frustrations and real estate woes. Spoiler alert: Yes, it’s still possible!
Next Steps:
🎙️ Catch our episode How to Financially Survive Every Season of Life 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱...Critiquing People’s Disney Drama (Debt, Lawsuits and Club 33 Tea)
💻 Figure out your next financial move with Ramsey’s Get Started Assessment.
Vacation debt, budget-friendly hacks and some light legal drama—today we’re unpacking all things Disney! Stick around for the magic, fun and chaos.
Next Steps:
🎙️ Catch our episode Comparing Disney Villains to Sneaky Financial Industry Traps. 🎬 Watch George’s episode I Asked People at Disney How Much Debt They Have. 🍸 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 @rachelcru...Ranking the Worst Financial Habits (and Admitting Our Guilt)
💻 Figure out your next financial move with Ramsey’s Get Started Assessment.
If you can’t be the best, why not be the worst? Or at least that’s what some people must be thinking to justify their spending habits. Stick around for a bracket battle of bad money habits.
Next Steps:
🎙️ Catch our episode We’re Here to Judge Your Guilty Pleasures (With Love). 🍸 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...Subtle Habits That Reveal a Quiet Millionaire
📈 Plan and save for the future with Ramsey’s Complete Guide to Investing.
Good manners, simple style, old-school investing—today we’re unpacking subtle “quiet millionaire” habits and teaching you how to build wealth the right way.
Next Steps:
🎙️ Catch our episode Things That Scream “I’m Pretending to Be Upper Class”. 🍸 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...Reacting to People Justifying Their Outrageous Spending Habits
📈 Plan and save for the future with Ramsey’s Investment Calculator.
We all have our weaknesses when it comes to frivolous spending—but some of you are next level. Today, we’re reacting to (and lightly judging) the internet’s most ridiculous spending habits.
Next Steps:
🎙️ Catch our episode We Settle Your Heated Money Arguments.
🍸 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...
