Smart Money Happy Hour with Rachel Cruze and George Kamel
Things to Stop Doing With Your Money in 2025
Thu, 02 Jan 2025
💵 Start your free budget today. Download the EveryDollar app! If you want to have a “new year, new you,” you have to do new things. In the first episode of the new year, Rachel and George share bad money habits you’ll want to ditch in 2025. Next Steps: 🍸 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. 🎥 Watch our video How to Start Becoming a Millionaire in 2024. Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off at Cozy Earth with code SMARTMONEY. Today’s Happy Hour Special: 🧊 Frostbite Tequila Cocktail Recipe: The Spruce Eats 1 1/2 ounces tequila 1 ounce blue curaçao liqueur 1/2 ounce white crème de cacao liqueur 1/2 ounce cream Luxardo Cherries, for garnish Instructions: In a cocktail shaker, pour the tequila, blue curaçao, crème de cacao, and cream. Fill with ice. Shake well. Strain into an ice-filled old-fashioned glass. Garnish with a cherry. Serve and enjoy. Listen to 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 money habits should you leave behind in 2025?
Well, when you leave behind a bad one, you got to pick up a good one.
Yeah. Yeah. And, you know.
I'm sure James Clear's talked about that. I'm sure he invented that somehow. That's true. Father of the habit.
Father of the habit. Yeah. He birthed it, birthed the habit. Yeah, so we are going to talk about habits in this episode. It's going to be fun, George.
Yeah, we'll call out a few non-money related habits and behaviors that we'd like to see each other leave in 2024. I've got some bones to pick with you, Rachel.
All right, I can't wait to hear about it. Okay, George, what's one habit you want to see leave in 2025?
People who are putting their financial goals on the back burner.
Oh, that's a good one.
It's always a, you know, this is like with investing. Well, I'll just do it next year. I'll get to that later on. I'll save when I'm older, right? That's what people say to themselves. And it's like when you're scrolling Instagram on your couch after dinner and you're like, I'll get up, I'll go to bed at 8.30. 8.31 hits, you're like, make it 8.45.
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Chapter 2: How can you make a fresh start with your finances?
Let's do something about this. So people like to make light of it because I think it's a coping mechanism.
Yeah. And again, money's not everything in life. Like we're okay to take some lighthearted approaches for sure, right? But when it starts to like become a pattern and that's really how you function, you're not just kind of like joking about it with your friends. Yeah, we, yeah.
If it's like your personality trait to make fun of how broke you are, maybe you need a new personality.
George, stop that.
That's all I'm saying. Just like people who make CrossFit or veganism their personality. I think we need a better personality.
Yeah, but there are people that like work hard and it's like, yeah, it all goes. And then they just like kind of have fun with the fact of like, oh, well, look at so-and-so over there doing that.
But usually there's some toxic habits that they're sort of just like, yeah, but I'm going to keep my toxic habits.
Yeah, if it's justifying it. But some people are wise with it. Come on, George, don't be grumpy.
I'm a fuddy-duddy.
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Chapter 4: What are the dangers of using credit cards as an emergency fund?
The renewal hurts my soul.
Oh, it was, my stomach, I literally got, my stomach dropped. I was like, oh no, no, no, no. No, that was 2022, Rachel. Like that's like, no, that's not good.
Oh gosh.
But you know what I did is I submitted it to the Apple store.
Oh, for a refund.
And they refunded me.
Thank you. That is the most George thing you've ever done in your life. That is the life hack. If it charges you, as soon as it charges.
It was within 15 minutes. Yeah. Because I got the email.
Look at her getting emails.
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