Smart Money Happy Hour with Rachel Cruze and George Kamel
Your Money Habits Are Our Financial Pet Peeves—Let’s Talk! (With Jade Warshaw)
08 Jan 2026
Chapter 1: What are some common financial pet peeves?
Today we asked a debt payoff legend to help us unpack some financial pet peeves with a little tough love.
I'm going to get riled up. And I'm so sorry because I'm sure some of you watching and listening are these people. So sending Venmo payments to a spouse.
You don't feel like this is like the highest of offenses?
No, that's a violation of human rights.
Hey guys, I'm Rachel Cruz.
I'm George Camel.
I'm Jane Warshaw. And this is Smart Money Happy Hour. Cheers! 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.
But first, let's talk about what we're sipping on. It is a tequila old-fashioned.
I love it. I do, too.
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Chapter 2: How does sending Venmo payments to a spouse affect relationships?
You know, because you've been on our solo shows, Rachel Cruze Show, George Camel, YouTube. That's right.
But never on our show. Rachel's invited me on her show more times than you have on yours, George. I was going to say, she's been on my show a lot, and we've had a lot of fun.
What's up with that? You guys have a lot of feminine energy going on. I already have enough of that on mine without anybody. That's true.
I'll do that. Don't need any guests. Yeah. So to that point, our audience probably knows who you are, Jade. But if they don't, for some reason, give us like a one minute of who's Jade Warshaw.
Jade Warshaw is one of the money experts here at Ramsey. My background is in debt payoff. I paid off $460,000 with my husband. We did it in seven and a half years. And I'm a former entertainer. And that's my claim to fame. I love it.
Impressive. This is my favorite description of you. Dave Ramsey in a different font. How do you react to that?
Who said it? Who said that?
I won't name names.
I don't know about that one.
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Chapter 3: Why do people buy lattes while in debt?
It's not bad, Jade. It's not bad. You know what you want. It's decisive and bold, and that's what we need.
Okay, I'm with it.
We need Jade.
We need Jade. I need you all as well.
Well, the reason you're really here is because we thought you'd be the best guest to talk about financial pet peeves because I've seen you get riled up. What people do with money relationally. You've called people out on the show. And so some of your rants are my favorite. And so we made a list of money habits that respectfully make our skin crawl. So we want to see if you agree. Is that fair?
I think we're all rating them. Even us.
Yes. So we're going to rate each one one to ten. This is our board. On the board if you're watching on YouTube or Spotify. So a one is like that's a tolerable pet peeve. No big deal. A ten is straight to jail.
Straight to jail. Straight to jail.
No soup for you. Whoever writes down the highest number gets to start the rant and explain the frustration. So if Jade's a 10 and Rachel and I are an 8 and 7, Jade kicks us off with her rant about why this bothers her so much.
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Chapter 4: What are the consequences of buying Christmas gifts for adults while in debt?
But they've not called themselves. Because you think, no, just call me now, and if I can answer, I'll answer. You're telling me what to do. I don't like that.
Just call me, and if I miss it, then say, hey, call me back. It's important.
Call me. Exactly. Number two, when people hand me a drink, and they're holding the very place that I need to drink from. Ah.
Around the perimeter of where your mouth goes. Yes.
Why do we do that? I don't know. Whoever gave me this drink did not do that.
Hey, can I say this? I would love this on the palm.
And I learned this. With cold drinks, like a glass of white wine, you're never supposed to touch the actual cup of where the wine is because it heats it up. You're supposed to take the stem. Now that is some extra bougie.
How about this? When people say simular instead of similar. No, no.
I'm done.
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Chapter 5: How does living at home impact financial habits?
Oh, it's spreading germs. Yes, germs everywhere.
We don't want that. What about on airplanes? When people take their shoes off? I feel like I'm going to get sucked down.
I think I'm going to get sucked down.
It just feels like there's a lot going on in a tiny space.
It really scares. I'm not kidding. I do kind of get to the lock and I'm like,
get out get out but sometimes you feel the air like hit you I close the lid with my foot and then flush with like my elbow that's right so I don't get sucked into the you've done it right that's fair the vortex the vortex Those are good.
Those are good, Jay.
Listen, she going back to where she came from.
That's good. Any for you, Rachel, that come to mind?
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Chapter 6: What are the pitfalls of using buy now, pay later services?
on a two-lane road during rush hour. Death wish. Why? Why do you hate your family? Why do you want to do this? Like a cyclist. Why do you want to act like a car when you're not a car and there's not a shoulder and you're choosing at five o'clock to go and do that? Why? It's selfish. Why? Let us get home in our cars that can go 40 miles an hour But you want to die. Why do you want to die?
It makes me so mad. I'm sorry. Interesting. And someone, I don't know who I was getting pointed to. No, not at rush hour. Not at rush hour. And not on a two lane. And again, some cool parts of Nashville have like its own bike lane.
Great.
Great. Why would, it's so stupid. I can't. I think I sometimes drive in the bike lane.
I'm done.
It makes me so mad.
I'm sorry. I've never connected with Rachel this much.
Yeah.
This is funny. But what bothers me is they're dressed like they're about to go to Tour de France. Like, they really think, like, this is my year. I'm like, bro, you'd be fine in some gym shorts. Yeah, like, everything's fine. Who are you trying to impress?
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Chapter 7: Why is it problematic to split dinner bills evenly?
The shorts are padded in all ways.
Mine is similar, but involves children.
Oh.
The electric scooter situations that the kids are all riding these days.
Oh, yeah. Okay.
What is happening? First of all, kids are dying out there.
just no it actually is very dangerous the electric bike either way it's dangerous it is true are you talking about the ones that look like dirt bikes but they're like no not like the little those are terrible too and those scooters can go like 30 they can go faster than the road bikers at least they're like keeping up with traffic they just are normal scooters but they're motorized and kids tool around the neighborhoods with them going 30 miles an hour weaving in and out of cars and streets no stop signs on the sidewalk hitting pedestrians just living their best life I guess
It's because the parents that Rachel doesn't like don't tell them no.
That's right. My kid will never own that. Mark my words.
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Chapter 8: What lessons can we learn from financial habits discussed in this episode?
Me too, George. I mean, having someone on your side that's not only just cheering you on, but they're creating an atmosphere at which you can bank, you can put your money, whether it's high-yield savings, checking, whatever it may be, Fairwinds is the best. They are. They're the best at it. And they actually created the Smart Bundle.
For Ramsey listeners, so this is a checking account and a savings account that there's no minimal, no fees, all of it. And with it, when you sign up, you get your very own Fairwinds Debt is Normal Be Weird Ramsey debit card. Love it. Isn't that beautiful?
And we both have one, so you can be like Rachel if you get this card.
Yes, it's absolutely incredible.
Channel your interracial queries. I love it.
And it's the one that I use all the time. Like when I got to, you know, take the debit card out to swipe, I'm like, oh, here. And it's got the chips. You tap.
It's the whole thing. Tap to pay.
The whole bit.
It's great.
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