Caroline Cruz
Appearances
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
At CozyEarth.com slash smart money or use the promo code smart money at checkout. This is your best bougie frugal life. It's time. Some of y'all need to upgrade.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Wow.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Because I have a one-and-a-half-year-old. There's not a whole lot I can do at this stage of the game. No, that's right. But as they get older, you'll see it really starts to pick up steam.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
So let's start, I think, like three to six. Is that a good starting range?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
That felt very like pageant.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
A little bit of responsibility.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yes, and a little chore chart goes a long way. We have Financial Peace Junior that can help with this. But it's fun to say, hey, if you help carrying the groceries, you set the table, you put the laundry in the basket, you get a dollar.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
And let them have some instant gratification. Again, they're like three, four, five here.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
So just encourage them with some positive reinforcement.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay. Did you also know, more importantly, April's National Financial Literacy Month?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, we heard Amelia talking about how she loves unloading the dishwasher.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Caroline, on the other hand.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
And this is where you can start to introduce the idea of commission. You do this, you get paid.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Understand, this is the only three things you can do with money and it's good to do all three.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
And that's the key, is by the time they're 12 to 18, they already have the foundation, the principles down. Now they're living it out. They're kind of becoming a little more independent. And it's becoming more real. I mean, they're actually getting paid.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
We live it. We breathe it.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
They got to figure out what a paycheck looks like, how to get it into their bank account, how to use the money, what happens when you run out of money. If Americans got a hold of this, we would not be trillions in debt.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
We just need the basics. It's that hard and it's that easy. So parents have a large role to play. And you wrote a whole book called Smart Money, Smart Kids that is incredible, that really helps outline all of this. So be sure to check that out. We'll drop a link in the show notes.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Absolute heroes.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
That's right. And say what you will about California. They recently became the 26th state to require financial literacy in school. We love that.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
A little teacher appreciation giveaway.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, so you can enter to win April 1st through the 30th, 2025. Teachers of any subject, pre-K through 12th grade, and homeschool teachers are eligible. So if you're a teacher, you have a teacher in your life that you love, send them to this website, ramsaysolutions.com slash teacher. No purchase necessary.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
So play along at home if you're listening or watching. Drop your score in the comments. If you get them all right, I think you might beat us.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
This might be hard.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, so if you want to protect yourself, get Delete Me In Place. They do this all year long in the background and they'll send you these reports every other month showing you what they did, what they found, what they removed, and how much time they've saved you. I'm up to 77 hours and they have removed me from 240 data broker sites. Unbelievable. reviewed over 20,000. Yeah.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Join deleteme.com slash smart money. We'll give you 20% off any of their annual plans and it is worth every penny. Get this done today.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, it's a big job. This is a, yes. You feel the pressure? I feel the pressure. Rachel's very competitive, so.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Wow. So she doesn't have enough coffee mugs.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
They're playing along at home, Rachel.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
For everyone at home wondering why Rachel's ruining the game, this is just who she is. George, you need to pick it up.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
So in honor of FinLit season, as we call it in the biz, we decided to bring a piece of our personal finance curriculum to you so you can put your money knowledge to the test.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
All right.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
It was $250,000. Dad, comment. Oh. $500,000 if it's a joint account. Bonus answer. It's good to know. A lot of joint, we tell people to join bank accounts. What they don't know, they're protected up to half a million.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
For account category.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
That's the one you actually use to file. Shoot.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
If you need to change your withholdings, it's the W-4 form.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Is it fun to tie?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Do you watch a football game where they tie and you go, isn't that fun?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Now we have to go into overtime.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You love anything competitive.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
These are pretty hard questions for a high schooler.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
I do love when high schoolers go through the curriculum and they go home and they're teaching their parents about personal finance. Yes. Oh, it's the best. So here's what I will say. This is some final thoughts from me. Parents have a lot of guilt and shame and baggage when it comes to money, and there's a lot of things they don't know, and therefore they don't want to talk to their kids about it.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
But guess what? That means your kids are going to learn it from TikTok or whatever they heard on the bus if they're not going through our curriculum. And so it's on you as a parent to make sure your kid understands this.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
It's important. And the earlier you get it, the better. I don't want anyone out there to go, man, I wish I had this. Well, listen, the best time to plant a tree was 20 years ago. The next best time is today. So it's never too late to learn.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You like that, old man wisdom?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Can I tell you, George means farmer in Greek.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
And you guys will play along in the comments. But first, we created a special money quiz for some very special guests. So let's get them up here. Welcome.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Google it.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
It's a lavender lemonade mocktail. It has glitter. It does have glitter.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, unfortunately. I thought the same thing. I'm glad someone's with me on this. I don't care if it's edible. I don't think we should be drinking it. What would you give the drink? I'm going to give it a six.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
I want it to be more sour and almost more sweet. It almost isn't enough, but I like it.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
We got an eight. All right.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
All right.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, here's the last part. Guess how much the drink costs. Just making one of these, how much does it cost when you split it all out? Five. Five what? Dollars? Wow. Okay.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Well, how much did it cost us to make? Not how much would you pay for it at a restaurant.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, if you split it up. You got all the ingredients, you made it at home. What does it cost per drink?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Five dollars for one lemon?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
We're getting somewhere.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
And it has sugar and water, dried lavender buds, and butterfly pea flower tea. Did you know that's what you were eating, a butterfly? No.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, that changes your rating, doesn't it? No, it's not an actual butterfly. It's a type of tea.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Should we introduce them? Do the people know who these are?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
It's just the name of a flower, and then for some reason they decided to put the flower in our drink, which I think is not okay. Here's what it comes out to. Ready? 23 cents per drink.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Less than a quarter. Unless they would, I don't know why the team would lie to me.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Pretty good.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
No. So give it a try this weekend. We're going to put the recipe in the show notes and let us know what it costs you to make because I don't even know where to get these ingredients. Unbelievable.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Exactly.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What if there was a new chore I could give you and pay you $10? Would you pick up dog poop in the yard?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Never?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You used everything you've ever wanted in your life.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
I took the pogo stick. You gotta drink it.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
The old pogo stick.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Wait, did you get a pogo stick for free?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Very generous of you to donate it to a friend.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, I would not suggest that. It feels very dangerous.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, so we got a pogo stick.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
I feel like you should give her something in return that you're not using.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
All right. That's good. She's not going to think about it.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What's your last regretful not used purchase?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
That is really sad.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You know what I thought? I thought I could be a sweater guy. And so I bought some like nice sweaters.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
And I never pull them out and go, I'd love to put on a sweater today. I'd love to be hot indoors and then regret it and then not be able to take this off. Okay. That's fun. But hey, I'm glad that you have no regrets in life so far.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Not stuff you've bought.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
How much are you looking to save? Like what would be a crazy amount if I could save this much?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
I don't know.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, that's true. What are we buying out here for $500? Like a video game system?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
But you guys have everything you want. Your parents take care of you.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You're not suffering at all. You're living a great life.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, my one last request. Can I come over for a pool day?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
We got it on camera. Can't take it back.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, yeah. Can you teach my little daughter how to swim?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
She's only one and a half.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
But you're saying you could teach a one and a half year old how to swim?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Sure. I appreciate that.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Well, thank you for answering honestly for the Guiltiest Charge. And we need more of those questions. So for everyone listening and watching out there, DM us your Guiltiest Charge questions you want to see answered on the show at Rachel Cruz and at George Camel with a K. And maybe you'll hear your question in a future episode.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Cheers. Say bye. Thank you.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Who do you think is smarter when it comes to money so far in life?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Dad. Okay. Not the answer I was looking for, but it's the answer I wanted. Between the two of you, are you better at saving money?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay. Are you better at spending money? Yes. They're both a gift. They're both a gift.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay. So we have some questions that we would like you to answer. We want to make Papa Dave proud. You know what I mean? He's watching right now.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
It's because you don't do it. Debt. That's why.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Ding, ding, ding. And where does the money come from that's in the bank?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Well, she's not wrong.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
But what's mommy doing right now?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Brilliant.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Wait, do you have a bank account? No. Do you have a bank account?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Do you want one?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
I'm George Camel.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
One day. One day. Right now, if you get birthday money, where does it go?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, like under a mattress and you have a special drawer?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Where do you put the box?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, that's smart. Yeah. Okay, how about you?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
This is an ongoing pattern from this young man. Does he think he deserves this money that you worked hard for, that you were given?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Wow.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What happens when he's tall enough to reach the shelf?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Let's hope he doesn't grow too tall.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What's the most amount of money you've ever seen physically?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Nice. Like my dad. He pulled it out and he was like, hey, 200 bucks right there. Were you impressed?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
How much money was that?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Mm-hmm. I love it.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
It's good. So people who don't have money, it's nice to give to those who are less fortunate and help people out.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Something's got to go. Yeah.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Depends on what it is.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, this one's about mom. Can you be honest?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
If your mom could buy anything in the world right now, what would she buy?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Wow. So she doesn't have enough coffee mugs.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
She just likes to have a lot of all of it.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
New clothes, coffee mugs, and books. Yeah, that sums it up.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What about your dad? What would he buy?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
But first, Rachel, let's talk about what we're sipping on here. This is My Little Pony Became a Real Drink. It's called a lavender lemonade mocktail.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, yeah, a new wrench. So he would, like, go to, like, Home Depot or something and want to get some tools.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Today we're testing our money knowledge with some very special guests. If your mom could buy anything in the world right now, what would she buy?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, yeah, that sounds like him. I've heard he's into rocks.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, so can you go buy a rock somewhere? Do they just have rocks for sale?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, makes sense. Someone's got to get the rocks and then sell the rocks. What are you saving up for right now?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
really nothing you have everything you could ever want yes is there anything you want that mom and dad said no to an iphone oh i buy another like pillow or something like a squish mellow oh i love squish let's talk about target you know your mom spends a lot of time at target a lot of money she donates a lot of money to target and they give her stuff where else does she go
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Old Navy?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What about fast food?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Never to the grocery store.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, so you're saying she's lazy, doesn't go to the grocery store.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Maybe.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
So a perfect Saturday for mom is she goes to Target, Old Navy. How does she eat? Yeah, exactly. How does she get food?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Instacart. Okay, what about fast food? Do you ever get to go through a drive-thru or something?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
I always ask for more glitter in my drinks. That's exactly what I want stuck in my body for an unforeseeable amount of time. It will not escape.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What's your favorite spot?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Chick-fil-A. What's your order?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yep.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay. True. Sometimes she's famished. You know how much an eight-count grilled nugget meal costs?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Guess.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Eight dollars? It's pretty good, actually. Yeah? It's pretty spot on.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
That makes sense. It's in the name. They're counting out eight dollars and you get eight nuggets in return. So a dollar per nugget is what you're willing to pay.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
If you wanted to buy something at Target, how would you get money for that?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
How do you earn money as an almost 10-year-old?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, so you take care of the dog and you get some money. Okay, what's the most lucrative chore, the one that would make you the most money?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
How much is that?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, she's making double taking care of the dogs. Exactly. Maybe you should switch. Okay, so how much can you make in a week? If you do all the chores, how much could you make in a week if you really worked hard?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, that's family. That's a family chore. That's smart.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Do you pay mom for cooking ever?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
That's what I thought. Some things you just do for the good of the family.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What's your least favorite chore that you get paid for?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What if there was a new chore I could give you and pay you $10? Is there something you enjoy doing that you aren't getting paid for? For $10? For $10. Would you pick up dog poop in the yard?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, that was her one thing when getting a dog.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, can we do some math? I heard you're really good at math.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You hate math.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
And you got first place.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
In cahoots?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
And you're class president as of today.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Be edible. But I know it's called edible glitter, but who's making it? I need answers. This is my conspiracy theory. Well, stick around until the end. We'll give you our rating and reveal the cost per glass at the end of the episode.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Along with Cole.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What did he do to deserve it?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You know what? Take down the patriarchy. That's what I say.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
How much money is this? Ready? Count it in your head. Four quarters, one dime, and one penny. What does that add up to total?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Four quarters, one dime, one penny.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
So a quarter is how much money?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Four quarters.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, so four quarters, one dime, one penny. What's the total amount?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, do we have another? I think that's it. Any questions we missed that you think are important for the good of the group?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
So what you're saying is the things that you want are just wants. You don't really need it. It would be fun to have.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
What does he think you need that he thinks you should save for?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay, do you know how much?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Yeah, you're going to be driving in, what, six years? That's scary. Do you know how much a car costs these days?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Honestly, somewhere in between. That's Mr. Beast money. You know what I'm saying? Okay, so what do you expect when you get to drive? Who's going to pay for the car? Have you talked about that?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
So the husband buys the car. So at 16, you have a husband who pays for the car.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Our birthdays are in the spring.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Okay.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Nobody knows the future. But husband to 16 is a potential. I like this plan. Do you know what car you'd want to drive?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You just want a lot of room for activities.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
The iconic Miss Congeniality perfect date. Can you say the quote?
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Oh, now we're talking.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
Anyone can have a podcast these days.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
You're going to do great. So we were just talking about some of our favorite products that we've purchased with Amelia and Caroline, and we've got to talk about another favorite product, which is anything from Cozy Earth.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
I feel like you're now a low-key influencer. Yeah.
Smart Money Happy Hour with Rachel Cruze and George Kamel
Putting Our Financial Knowledge to the Test (With Special Guests!)
The blanket is epic. My wife loves the PJ set. And so if you want to get some great quality products for the people you love or for yourself, they're giving our listeners and viewers an incredible deal, up to 40% off.