Smart Money Happy Hour with Rachel Cruze and George Kamel
Subtle Habits That Reveal a Quiet Millionaire
26 Feb 2026
Chapter 1: What are the subtle habits of a quiet millionaire?
Does flashy always equal wealthy? Today, we're going to tell you how to spot a quiet millionaire.
My next purchase for a midlife crisis, I have two.
I don't know who invented Roman shades, but they think very highly of themselves.
I'm going to just throw this in there and then we're going to end the episode. The loudest obnoxious money play right now on Instagram. Hey guys, I'm Rachel Cruz.
I'm George Camel.
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Chapter 2: How can you identify a quiet millionaire's lifestyle?
And this is Smart Money Happy Hour. Let's fall in a glass.
That's really nice.
Or actually, is it summer? What season are we in? I don't know, but it's delicious.
I'll never tell.
Well, 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 gather the children around because we have a mocktail today that we're sipping on.
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Chapter 3: What is the significance of old money aesthetics?
This is the Apple Ginger Fizz Mocktail. And we're going to give you the rating and reveal the cost per glass at the end of the episode. But let me just say, I got the purple straw. Rachel got a green straw. I don't know if that was intentional, but let me tell you, I'm very secure. It doesn't matter.
You feel great about the color straw.
It doesn't matter.
You know, it can go both ways, George.
I just don't look good in a purple. It's not a color I would choose for me.
Yeah, I would say that. You did your colors, though, didn't you?
I didn't do my color. Someone projected what season I am or whatever it's called.
What's that called? Yeah, the color wheel or the analysis.
There's a color analysis. I think it's like an MLM now. You can go to like a party.
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Chapter 4: How does debt impact financial peace for millionaires?
Is that what you're saying?
Yeah.
Okay. This is a trend. You know this. Via Instagram, my algorithm is showing me the interior design, like style now is going back to... I don't know what decade. I don't want to say 80s, but like kind of late 80s, early 90s, kind of that farmhouse. Like they're doing colors and patterns where it used to be like just white and wood and gray.
We're getting away from the sort of minimalist, sad.
Yes, they are coming back around to like warm paintings and like... like patterns on furniture and all of it. Oh. It's giving classy 90s vibes again.
Wow.
It's very interesting. I'm not mad about it. My house doesn't look like that at all sometimes.
I'm screwed. Now you've changed it all to keep up with the trends. I know. But by the time you do it, it will revert back to minimalist, clinical depression beige, everything.
I know. It is so true.
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Chapter 5: What are the common financial habits of quiet millionaires?
It's like middle class people who are drowning in payments, drowning in debt, who are wanting to drive these cars to look like they have wealth.
Oh, interesting.
Which was very interesting to me is people who actually have wealth are not going to the Lamborghini dealership.
Yeah, they're not buying Lamborghinis. They may be buying like an old, you know, like a Lexus or something.
Sure.
Right? Probably a nicer car.
Or they want a classic vintage car.
Yes, sure.
Dave Ramsey, he's got some cool classic cars, but he's not out there in a Lamborghini.
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Chapter 6: Why is investing important for building wealth?
Confidence is quiet. Insecurity is loud. So the louder your truck, the more I know about you.
The ladder of the car. Yeah.
Quiet millionaires tend to be more practical, less try-hard.
Yes. And we're great if you spend your money, right? We just want you to spend it intentionally. And there's no shame there because it's great if you have a great, you know, big purchase you want to make. You're on Baby Step 7 and you do it. Like, that is not wrong.
That means you've got no debt, no mortgage even. You've paid off everything. You're living and giving like no one else. Can you go first and tell us what is one sort of flashy splurge that you have shamelessly saved for and bought in Baby Step 7?
I would say my Tesla.
Oh, the car itself.
Yeah.
It's a flashier car.
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Chapter 7: How does budgeting play a role in millionaire habits?
When the kids have outgrown it?
Yes, when I move on. Because I was supposed to move on when Charles went to kindergarten. When we bought the minivan, Charles was like five weeks old.
You conceded saying this is temporary.
And I said, like, let's get it. We'll get it for five years. It'll be my five-year car. And we're here five years later. And I can't get rid of it. It's too practical. It's too practical, George. It has, like, no miles on it. Because we just, like... Yeah, tooling around town.
You're not doing road trips.
No, so I just like, I don't know. It's just, it just, yeah, I can't get rid of it. So when I get rid of it, I feel like I'm going to have middle schoolers. I feel like when moms hit middle school age, that's when stuff starts happening. That's where the next midlife crisis comes in.
What are you going to do?
Are you ready for this, George?
Oh, you're going to get the eye lift thing? I want to get my eyelids done. Wow.
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Chapter 8: What are the key strategies for achieving financial peace?
Come on, George.
Do you want any plastic surgery? It's really all about my kids at this point. No, no plastic surgery.
Would you get Botox ever as a dude?
No tattoos, no Botox. I might go to like Turkey for like a hair transplant one day. That'd be cool. But my hair is in good shape. You know, I got a little on the crown there that could use some love. But other than that, I would say the new house, we moved and we did some house upgrades that like – like put a pit in my stomach a little bit. Okay.
When you pay for these things and you're just like bleeding money.
Yeah.
It's like a water filtration system. Our water was super hard before. And so my wife was like, please, I just don't want greasy hair. Can we please get the system? Every bathroom is going to have the cleaner. But why does that cost greasy hair?
Do we know?
I don't know. She blamed the water. Okay.
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