Smart Money Happy Hour with Rachel Cruze and George Kamel
Reacting to the Wildest “Am I the Jerk?” Reddit Threads
Thu, 15 May 2025
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk. Next Steps: 🎥 Watch our video 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! 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: 🍸 Classic Gimlet 2 1/2 ounces gin 1/2 ounce lime juice 1/2 ounce simple syrup Instructions: Combine all ingredients in a cocktail shaker filled with ice. Shake for 10–15 seconds until well chilled. Double strain through fine mesh strainer into chilled coupe glass. Garnish with a lime wheel. 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: What is the main topic of this episode?
Today, we're answering the internet's most asked money question, am I the problem? Your language, though, scares me. He is literally spending my money in secret.
Wow, that's pretty terrible. Do you think? My most, like... Winston's like, babe, it's okay. It's like... Hey, guys, I'm Rachel Cruz.
I'm George Camel.
And this is... Smart Money Happy Hour. This is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money.
And we will get to that. But first, we're sipping on a classic gimlet cocktail.
A gimlet is one of my favorites.
It's one of my go-tos. Hard to beat. We're going to give you the rating and reveal the cost per glass at the end of the episode. So stick around for that. All right. I know this probably isn't a key part of your algorithm. I feel like yours is mostly true crime and Real Housewives at this point. Am I close?
Actually, well done, George.
Well done. I'm on it. But there's this other trend on social media where people are asking, am I the jerk? So they're laying out their situation going, am I the problem here? Am I the jerk? Am I in the wrong? And it actually starts with an A word that's much harsher than jerk. But this is a family show.
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Chapter 2: Who are the hosts of Smart Money Happy Hour?
What? Tell me about the moose.
There was a guy in Alaska. This guy, maybe young 20s.
Okay.
Hit a moose with his car, totaled it.
Oh, no.
Got an insurance check for $10,000. Great. Well, the car... Was $6,000 and it was not paid for by him. It was paid for by his father-in-law.
Okay.
So now he gets this check and the father-in-law is like, sweet, I'll take the check. I'm the one who bought the car.
Okay.
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Chapter 3: What is the classic gimlet cocktail?
And I shut it down saying, yeah, I don't, but I definitely make more than she does right now. Am I the problem?
Oh, boy. This whole friend group feels toxic to me.
It's gonna be the friend groups, the jerk.
Who's having these conversations?
Who's saying this?
Okay, so they're saying he's a gold digger because she comes from money, therefore there's probably some big inheritance or trust.
I have my thoughts.
And he's saying, am I the problem? No, he's not the problem at all.
I think they're the jerk, but I do think his ego got in the way.
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Chapter 4: Am I the jerk for spending my father-in-law's insurance check?
My bride? My bride.
Yeah, my bride.
and my hubby anyways uh it's three million dollars i enjoy buying designer things for myself with my high income go girl he lives in worst case scenario and thinks that we should save every penny in case a recession comes or our kids need money i recently sold some stocks to treat to buy a treat for myself but i only spent five percent of my income am i the problem oh okay this is a
this is a marriage issue at this point. Because are you the problem for doing that? No, you have the money, like 100%. Also, is he gonna fully get on board with every like somewhat luxury purchase you make? He may not, because he is a doomsday or worst case scenario guy. And I think he needs to work on himself.
I want to know, is there an emergency fund here? Like, what is this worst-case scenario where he thinks, in case a recession comes, it's all going to come crashing down? Right, right. So that's where, if there was an emergency fund in place and they had no debt, that would make him feel better. I don't know their financial situation overall.
Yeah, and I guess if you're, like, literally living off stocks and the stock market, like, dipped down and you couldn't take as much out that you needed to to live your life. Like, you know, I don't know. I don't know what the situation is, but...
But no, she's not the problem. And here's the thing, the percentage matters. Because, you know, her buying a designer purse is like someone else buying a biscuit. And so you got to look at the ratios on this thing. Okay, it's not too much of her world. Now, could they do a budget together and go, hey, here's how much of my fun money I'm going to spend.
That might be $3,000 a month for their income. I don't know. But that way, he knows exactly what's coming out, the limits around it. So set some boundaries, and that's where the budget is really key.
It's very helpful in that way, for sure. Okay, that's good.
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Chapter 5: How do I handle money conversations with my partner?
Nope, and look at us now, George.
Look at us now.
Just giving the internet advice.
Living the dream as YouTubers. Dream big, kids.
Just some YouTubers over here.
So here's my take. Communicate everything with your kids as they get older. Say, hey, here's the situation.
And if you have the blessing to give money to one of the most expensive areas of your life, which is college... Like, do it, right? Embrace it all. Give it all. Like, I don't know.
Here's my thing. Would she have gone to grad school just because the money was there and just get a master's for fun? That feels like a waste.
Yeah.
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