Smart Money Happy Hour with Rachel Cruze and George Kamel
We Dedicated an Entire Episode to Respond to the Haters
Thu, 08 May 2025
📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever left a comment on this show saying we’re out of touch, totally wrong or just plain crazy—we see you! 😅 In this episode, Rachel and George react to the hottest takes from our comments section to see if any of them might have a point. Next Steps: 🎥 Watch our video Explaining Our Most Hated Financial Advice. 🍸 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: 🍹 Sparkling Strawberry Coconut Mocktail Recipe: @drinkteabar 2 ounces strawberry puree 6 ounces sparkling water 2 ounces coconut milk Instructions: Add strawberry puree to your glass. Add ice and sparkling water. Stir and top with coconut milk. 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 controversial moments do Rachel and George discuss?
Today, we're reacting to our most controversial, triggering, and misunderstood moments on the show.
All right, I'm not shocked by this one, that I got hate. Probably my mother was in the comments, too.
So there you have it, Rachel. You came at me more than the commenters did.
I was a little aggressive. I'm so sorry. Am I a hypocrite?
I'm not going to answer that.
Hey, guys, I'm Rachel Cruz.
I'm George Campbell.
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. Everything from pop culture, current events, and money.
But first, let's talk about what we're sipping on. It's a sparkling strawberry coconut mocktail.
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Chapter 2: What kind of hate comments does George receive?
Because we're being mocked, and so it's time to defend ourselves.
Oh, drinking a mocktail on a mocked episode. Very fair.
So we're going to give you our rating and reveal the cost per glass at the end of the episode, so stick around for that.
Yep, so good.
So one thing about social media, Rachel, people have been getting extremely comfortable publicly calling each other out. I don't know what's going on here, but the comment sections have gotten real wild, very unhinged. And I don't know, I'm not the type of person to leave a comment unsolicited on a video or a post.
Totally, no.
Unless it's a friendly, love that for you, you know? Sure, yeah. Positive.
I know. And you know, I like a good little debate every now and then. Like, you know, get in there. If we can all just be open-minded, a little political. I like to read some of the comments sometimes of like political posts to be like, all right, what's the banter going on here? But when it is at you, It's a whole different ballgame, George.
And you want to defend yourself. And you can't always jump into the comment section and say your true thoughts. And so that's why we have this episode.
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Chapter 3: How does Rachel feel about being aggressive in her responses?
Have you ever let a comment or DM get under your skin? Like it upset you for longer than a day?
Yeah. Yeah. I've had two that I still think about every now and then.
Can you share?
One was this girl, and she was like... Yeah, basically ragging that I'm Dave's daughter. And she's basically like, look at it. She tried to pull all my credentials. Like, I don't have a formal education in the financial world. Like, all this stuff. And I was like, come on, girl.
So they were calling you like a nepo baby? Is that the name?
Yeah, yeah, totally.
They're like, oh, it's just nepotism.
Yeah, and I get that a lot. So like those comments, I'm like, I hear those a lot. But it was like another layer for some reason that I was like, I don't know. And then I had one about me saving for the pool. Our pool that we literally have been saving for for five years. We couldn't build it when we moved in, when we built our house, because we didn't have the money for it.
You're moving at the speed of cash. It's an expensive project.
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Chapter 4: What negative comments have affected Rachel personally?
Oh, they thought you were sponsored.
What is up with people thinking every time you mention anything, it must be an ad? Here's the other part. Disagreeing, it's better to call the hotel directly. The hotel ain't giving you these prices. They're always like, well, just call the hotel because it's safer. If you book through the third party, there's no guarantee. Sure, I get that.
There is some risk booking with a third party versus directly with a hotel. The lady at the front desk was like, how did you get this? She was shocked.
She was shocked. All right, George, so you're doubling down. I feel it in the spirit.
I'm doubling down. Not an ad, just trying to be helpful.
Just trying to be a helpful human.
I try to give you the hack and they're like, this guy's trying to say, no.
They're just mad that you're giving hacks, George.
Yeah. So don't have the hookup with Priceline, not affiliated, but we do have the hookup with one of our favorite services, Delete Me.
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Chapter 5: What are George's experiences with viral posts?
I didn't say geriatric. I just said someone older. Older.
That's right. Older than you or just general? Someone older. Okay.
It's both. It's both. I'm sorry, when is 60s not older?
When you're about to be 60.
I didn't say old, I just said older.
Older. Older than what though?
I can't win with these people. Fine, I'm done sharing my fun Costco stories because apparently it's boring to you. Okay. All right, I'm next. Finally, back to Rachel.
On my 30th birthday, I went to Vegas and I had an envelope and I said, this is the amount of money.
Just a little bit of fun money.
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