Smart Money Happy Hour with Rachel Cruze and George Kamel
Make It Make Sense: Calling Out Money Double Standards
Thu, 27 Mar 2025
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’d happily drive an extra 10 minutes to save 10 cents a gallon on gas—no judgment! In this episode, Rachel and George confess to money habits that don’t always make sense. Plus, they share what it means for you if you can relate. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financial Advice. 📘 Get Rachel Cruze’s book Know Yourself, Know Your 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. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: ☕️ Citrus Cardamon Coffee Spritzer Recipe: Recipe Fiction Citrus Cardamom Coffee Spritzer 1 ounce cardamom-infused simple syrup 4 ounces cold coffee 1/2–1 teaspoon fresh lemon juice Soda water or seltzer to top Cardamom Simple Syrup 1/2 cup sugar 1/2 cup water 8–10 pods cardamom, crushed Instructions: Cardamom simple syrup: Combine water, sugar and heat until just boiling. Add crushed cardamom pods and allow to steep for at least 30 minutes or up to overnight. Strain to serve. Citrus cardamom coffee spritzer: Combine simple syrup, coffee and lemon juice in a 12-ounce glass. Add ice and top with fizzy water. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Chapter 1: Who are Rachel and George?
Hey guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money Happy Hour.
Well, this is the show where two friends who happen to be money experts talk about what you're talking about. So everything from pop culture, current events, and money.
We're sipping on the illustrious citrus, cardamom, coffee, spritzer, mocktail. So many words for a drink that should be in prison. We will give you our rating, which, spoiler, not going to be good, and reveal the cost per glass at the end of the episode. So stick around. You're going to want to be here for this sentencing.
That's right. Good. Okay, so, George, you know, we talk about personal finance for a living, and we really try not to be judgmental because we get people from all different situations and stories and, you know, it's a whole thing. And so we do try to be curious, right, as Ted Lasso would say.
Be curious, not judgmental.
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Chapter 2: What does it mean to be curious about money?
Which I think was a Walt Whitman quote.
quote originally. You're telling me that Jason Sudeikis didn't come up with that on the spot?
I think he actually quoted Walt Whitman in the episode, but yeah. Yeah, we're not gonna, yeah, be curious, not judgmental. It's a great phrase, so.
You had a curious moment recently.
Yes, I did. Yeah.
Apparently I'm letting you know for the first time.
No, I remember.
Well, yes, in fact, I did. Thank you for bringing it up. What happened here?
Well, it's just funny. I am in a certain text group, shall we say. You know, they'll be like, oh, hey, here's this, you know, dresser for free if anyone wants to come pick it up. And it's from, you know, and they give the link and everything. And it's like a $2,000 furniture piece. So they're like, yeah, just come get it. Like, we're done with it. And you're like, oh, my gosh.
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Chapter 3: What are common money double standards?
you know like um vitamins for 12 you know if you want to get this for 12 and i'm like this is so funny to me because they give away like thousands of dollars of an item but the vitamins are charged but then something else they'll just like charge for and i'm like i don't know maybe like something is in their psyche or in them i don't know but it's always funny to me that i'm like if you're gonna make money like make it off the dresser right that you're gonna get
Yeah.
Thousands of dollars for versus like trying to do it.
So therein lies the double standard of like, why would you make this free but make the $10 item cost?
Yeah, so again, it's one of these moments in life that you're like, that just doesn't, it doesn't make sense. It doesn't make sense. And so there's a lot of that in this world.
And that was the birth of this episode.
Because I feel it a lot in my life. I'll do things that I'm like, oh yeah, I'll pay for this. And then they charge me $1.99 to subscribe to a podcast to get all the episodes. I'm like, I will not. But I'll go and spend freaking like, I don't know, $30 to get my food delivered to my house for one night. You know, and it just, it doesn't make sense. So there's a lot of that out there in the world.
We're going to get into that. And you know, humans are imperfect after the fall of man. Look it up, by the way. Good story. Trying to make my mom happy. She's in the crowd. I'm making my mom happy. Look up The Fall of Man. Dark stuff, but helpful information. We have natural tendencies as humans.
Hypocrisy there too.
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Chapter 4: How do our spending habits reflect our values?
I think I'm a safety person. I think I'm a very cautious person. you know, anxious type personality.
All right. How about you? I'm status. We're perfectly opposite. We are. Oh my gosh. Abundance or scarcity mindset.
I think I'm scarcity.
Okay, I'm abundance.
Wow. This is perfect.
Okay, and if you're giving, is there ever a situation that you're like, oh, yes, you love to give spontaneously? You hear about something, you're like, absolutely. I'm going to, let's just give some money here. Or do you want to like research the organization and make sure it's very methodical and it's real and it's legitimate? You're not getting scammed?
Okay.
So I would say I'm a plan giver, but I still have some spontaneous giving in the budget. But my natural tendency, planned.
Okay, I'm spontaneous. Okay. And you know what people will appreciate? The Valentine's episode we had our spouses. You were literally Winston in so many ways. And I'm Whitney in so many ways.
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Chapter 5: What role does personal psychology play in financial decisions?
I am your Regis.
I know. Or Kelly and Ryan.
I love Regis. He was everything. He was great. Rest in peace. You didn't know that. I just broke that news to you. Oh, my gosh. Yeah.
He did pass, didn't he?
He did.
Oh, man.
Rest in peace, King. Kathy Lee, still with us.
Can I tell you, one of my core memories of a child is Who Wants to Be a Millionaire? We were all obsessed with that show. Do you remember when that season came out? Everyone in America watched it.
Yeah.
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Chapter 6: How can you challenge your own money contradictions?
You are 100% Regis.
I am older than I seem. It is true. Old soul.
It is true. Yeah. But listen, when it comes to us and our tendencies in life, there is the double standard. We can be all these tendencies, but yet the way we spend and experience money may not make sense to everyone.
Make it make sense. That's the theme of this episode. So we have some confessions from our team, from someone we found online, but all of them are incredibly entertaining and a little too relatable.
Very much so. So we have little paddles, George, for us. If you're watching, oh, that's my phone. Got these paddles. If you're watching on video, and we'd say, yeah, no, would not do this or would be guilty.
And remember, you have to show the camera the answer you want. Don't show it to yourself.
And we'll say it out loud for those of you just listening on podcast as well.
Okay, play along with us at home and drop your own money contradictions in the comments because it is highly entertaining, if nothing else.
All right. First up, refuses to buy a bottle of wine at Trader Joe's for more than $10.99, but will happily pay $17 for a margarita at a rooftop bar.
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Chapter 7: What are some funny financial confessions?
But I will pay good money for a high-end cocktail at a cocktail bar.
Yep, that's funny.
So therefore, this is my toxic trait.
Yep.
All right, next one. Squeezes out the last bit of toothpaste for a solid week and a half, but throws away a full bottle of face cream if unable to see results in three days.
Oh, that's funny. Yeah, yeah, yeah.
How far are you going with the toothpaste? Yeah.
You know, my toothpaste situation is not great in life.
I'm not a great... Are you brushing?
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Chapter 8: How important is it to be intentional with money?
Mine looks like a, mine is, yeah, no, not great.
Like an intruder was coming in just to try to squeeze toothpaste in a rush. They didn't have a lot of time. Just squeeze and ask questions later.
Is it like all gunked up on the lid? Yeah, for sure, y'all. I am terrible.
I'm going to take a drink of this drink, and it's gross enough that that tells you how I feel about your toothpaste.
I know, y'all. I think because I lose the lids of my toothpastes. They're so small.
That's the excuse? All right. What toothpaste do you use, by the way? I think people want to know.
It's Red...
Is it like Crest gives a brand?
I know. Colgate. I think it's Colgate.
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