Baby Q&A: Costs, Essentials and Honest Advice

Summary

Smart Money Happy Hour with Rachel Cruze and George Kamel
Episode: Baby Q&A: Costs, Essentials and Honest Advice
Release Date: August 14, 2025

Summary

In this insightful episode of Smart Money Happy Hour, hosts Rachel Cruze and George Kamel delve deep into the financial and practical aspects of starting a family. Titled "Baby Q&A: Costs, Essentials and Honest Advice," the episode offers a candid discussion on the financial readiness for having a baby, essential baby gear, overrated products, daycare versus stay-at-home parenting, and essential tips for new parents. The conversation is enriched with personal anecdotes, practical advice, and a sprinkle of humor, making it a valuable listen for prospective and new parents seeking financial guidance.

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1. Financial Readiness for Having a Baby

When Is the Right Time to Have a Baby?

George initiates the conversation with a pressing question many couples face: "Is there ever a right time to have a baby financially?" (00:05). Both hosts emphasize the balance between financial stability and seizing life's precious moments.

• Rachel's Perspective: She advocates for not delaying the joy of parenthood solely for financial reasons. "I hate to wait, because then in your head, it's like, well, once I get to this point, I'm okay," she shares (05:04). Rachel highlights the risk of perpetually postponing parenthood in pursuit of an ideal financial state.

• George's Insights: He agrees, pointing out that the traditional step-by-step financial advice may not account for the unpredictable blessing of a child. "There is no baby step for having a baby," George remarks (05:04). He encourages embracing the journey despite financial uncertainties, acknowledging that both early and later parenting have their pros and cons.

Balancing Financial Stability and Parenthood

The hosts discuss the middle ground of planning, suggesting that a solid financial foundation can provide security while embracing the joys and challenges of parenthood. They stress the importance of not letting financial fears overshadow the invaluable experiences of raising a child.

Notable Quote:

"Babies can live in apartments that are rented. They don't care. They're going to cry either way, whether they're in a mansion or your little apartment." — George Kamel (04:23)

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2. Essential Baby Gear: Top Five Must-Haves

1. Car Seat

Both Rachel and George unanimously agree that a car seat is non-negotiable. They discuss the evolution of car seats, emphasizing safety and functionality.

• George's Recommendation: "We did get a duna. We splurged on that... it's a game changer," he states (07:28). He praises the versatility and durability of high-quality car seats.

• Rachel's Tip: She highlights a promotional offer, advising listeners to check sales to acquire quality car seats at reduced prices.

2. Stroller

Strollers are essential for mobility and convenience. The hosts share their experiences with different models, emphasizing durability and ease of use.

• Rachel's Choice: She mentions using the Uppababy Vista, which lasted them eight years (09:50), praising its versatility and lightweight design.

• George's Advice: He recommends considering the weight and portability of strollers to avoid the hassle of lugging heavy equipment.

3. Bottle Sterilizer

While George finds bottle sterilizers useful, Rachel remains skeptical, preferring traditional methods like scrubbing with a brush.

4. Baby Monitor

A reliable baby monitor is crucial for peace of mind. They discuss different brands and the importance of security features.

• George's Preference: He opts for non-Wi-Fi monitors to prevent unauthorized access, citing privacy concerns.

• Rachel's Endorsement: She recommends Infant Optics for its reliability and functionality.

5. Sound Machine

Sound machines help soothe babies and create a conducive sleeping environment.

• George's Setup: He uses multiple sound machines to manage noise both inside and outside the baby's room (15:36).

• Rachel's Recommendation: She appreciates portable sound machines for their convenience during travel.

Notable Quote:

"Hibernate Earth clogs... are very comfortable. Very ritzy. Walking around the house." — George Kamel (16:27)

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3. Overhyped Baby Products: What to Avoid

Rachel and George candidly discuss products they found unnecessary or overrated, helping listeners save money by steering clear of these items.

1. Mamaroo

Rachel shares her disappointment with the Mamaroo, an egg-shaped motion device that didn't meet her baby's needs.

• Rachel's Experience: "Amelia hated it... she wanted just the old school swing," she admits (17:47).

2. Wipe Warmer & Diaper Pail

They dismiss the need for wipe warmers and high-end diaper pails, suggesting simple alternatives like using plastic bags and regular wipes.

3. Fancy Clothes and Baby Shoes

Both agree that infant shoes and overly designer clothes are unnecessary, advocating for comfortable PJs and essential clothing items.

• Rachel's Stand: "An eight-week-old baby doesn't need boots... they need socks," she states (22:15).

• George's Humor: "You're doing it for yourself as a parent to go like, look how cute my baby is." (22:49)

4. High-Cost Swings and Bassinets

They caution against investing in expensive swings and bassinets unless they can acquire them free or at a discounted rate.

Notable Quote:

"They won't hold up their head. It's like, here's the thing. I don't like it." — Rachel Cruze (22:17)

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4. Daycare vs. Stay-at-Home Parenting

This segment addresses a critical decision for new parents: whether to opt for daycare or have one parent stay at home. The discussion covers financial implications, societal pressures, and personal well-being.

Cost Analysis:

• Nanny: Average weekly cost of $827 (25:11).

• Daycare: Average weekly cost of $343 (25:15).

• Family Care Centers: Average weekly cost of $344, up from $230 in 2023 (25:37).

• Babysitters: Average weekly cost of $167, down from $192 in 2023 (25:55).

Pros and Cons:

• Stay-at-Home: While it offers emotional benefits and more bonding time, it can strain the family's financial stability, especially if one income is significantly higher.

• Daycare: Provides structure and socialization for the child but comes at a substantial financial cost, potentially offsetting the benefits of dual incomes.

Strategies to Mitigate Costs:

• Engaging family members for part-time assistance.

• Exploring nanny shares to split costs.

• Considering side hustles to supplement income.

Societal Pressures:

Both hosts acknowledge the judgment new parents face, regardless of their decisions. They emphasize prioritizing personal circumstances over external opinions.

Personal Anecdotes:

George shares his wife Whitney's decision to stay home despite a thriving career, highlighting the emotional and financial sacrifices involved. Rachel adds her experience of managing schedules to maintain her sanity while parenting.

Notable Quote:

"Staying at home is a luxury and a privilege... it's a choice that has consequences." — George Kamel (27:43)

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5. Hospitality and Offering Help Post-Birth

Navigating social interactions and support after welcoming a new baby can be challenging. The hosts offer practical advice on accepting help and setting boundaries.

Hospital Visits:

• George's Take: He advises against unannounced hospital visits. "They knock on the door, and you're like, yeah, you invited," he explains (32:52).

• Rachel's Experience: She prefers planned visits, especially from close family and friends, while keeping coworkers' visits minimal.

Meal Training:

Rachel and George advocate for bringing meals as the most appreciated form of support. Rachel shares how a friend’s thoughtful gesture of handling household chores provided immense relief (35:31).

Managing Social Visits:

They discuss the importance of setting boundaries, such as not bringing their own children to visit the newborn to maintain a calm environment.

Notable Quote:

"No, no. My baby needs socks. And that's it. Can't walk, baby." — Rachel Cruze (22:17)

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6. Financial Tips for Preparing for Baby

Rachel and George offer actionable financial advice to ensure new parents are prepared for the costs associated with childbirth and raising a child.

Understanding Costs:

• Average Expenses: Pregnancy and childbirth average around $18,865, with insurance covering approximately $16,011, leaving an out-of-pocket cost of about $2,854 (41:45).

• Insurance Planning: They stress the importance of understanding what insurance covers and planning for out-of-pocket expenses.

Budgeting:

• EveryDollar Budgeting: Incorporate baby-related expenses into your budget to manage finances effectively.

• Baby Registries and Hand-Me-Downs: Utilize registries and buy used items to save money on high-quality baby gear.

Takeaway Tips:

• Stockpiling Supplies: Take advantage of supplies provided by the hospital, such as diapers and ointments, to reduce initial costs.

• Flexibility: Be prepared to adapt your budget and lifestyle to accommodate new expenses.

Notable Quote:

"The average cost for pregnancy visits, hospital, childbirth, postpartum care, all of that is around $18,865. And insurance typically covers about $16,011 of that, leaving you out of pockets with on average $2,854." — Rachel Cruze (42:08)

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7. Final Takeaways and Reflections

In concluding the episode, Rachel and George share heartfelt reflections on the joys and challenges of parenthood.

• Embracing the Journey: They emphasize that despite the hardships, the joy and love that come with raising a child make it all worthwhile.

• Continuous Learning: Parenthood is an ongoing learning process, and there's no perfect blueprint. They encourage embracing the unknowns and finding joy in the little moments.

Notable Quotes:

"Kids are truly a wonderful blessing. And it's hard. Just like marriage is hard." — George Kamel (44:50)
"If you can be a dad, anyone can be a dad. You'll be okay." — George Kamel (45:38)

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8. Bonus Segments: Cocktails and Guilty as Charged

Towards the end, Rachel and George unwind with their signature segments, sharing their favorite drinks and engaging in a fun "Guilty as Charged" game.

Bourbon Orange Rating:

• Cost: $4.46 per glass (45:45).

• Ingredients: Bourbon, fresh sumo citrus juice, orange liqueur, simple syrup, orange bitters, and soda water.

• Rating: They both give it a casual rating of 6 to 6.5 out of 10, noting its brunch-like qualities but preferring classic cocktails like mimosa or Bloody Mary.

Guilty as Charged:

They share personal anecdotes about accidentally expressing love during conversations, highlighting their human side and fostering a relatable connection with listeners.

Notable Quote:

"I'm a troll, but I can secretly mean it... Because I do love Winston." — George Kamel (47:02)

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Conclusion

Rachel Cruze and George Kamel provide a comprehensive guide for new and prospective parents, balancing financial prudence with the emotional journey of parenthood. Their honest and relatable discussion offers valuable insights, practical tips, and heartfelt encouragement, making this episode a must-listen for anyone navigating the exciting yet daunting path of raising a child.

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Notable Quotes with Timestamps:

• "Babies can live in apartments that are rented... they're going to cry either way." — George Kamel (04:23)

• "There is no baby step for having a baby." — George Kamel (05:04)

• "Rachel, if I can be a dad, anyone can be a dad." — George Kamel (45:38)

• "If you can be a dad, anyone can be a dad. You'll be okay." — George Kamel (45:38)

• "Kids are truly a wonderful blessing. And it's hard. Just like marriage is hard." — George Kamel (44:50)

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Resources Mentioned:

• Babylist.com: For registry and recommended baby products.

• Infant Optics Baby Monitor: Recommended model for secure monitoring.

• Delete Me: Service for removing personal data from broker sites.

• Cozy Earth: Recommended for high-quality baby and adult clothing.

Listeners are encouraged to visit the show notes for links to these resources and take advantage of special promo codes mentioned during the episode.

Transcript

[George Camel]

Is there ever a right time to have a baby financially? Today we're getting real about a question that many couples and young families are asking. This is where it gets practical, and.

[Rachel Cruz]

This is where I spend money. Like, they are adamant that you go visit people in the hospital.

[George Camel]

Boomers feel entitled to seeing this newborn. If I can be a dad, anyone can be a dad.

[Rachel Cruz]

Hey, guys, I'm Rachel Cruz. I'm George Camel, and this is Smart Money Happy Hour. Cheers, George.

[George Camel]

Cheers to the babies.

[Rachel Cruz]

To the babies. Well, this is the show where two friends who have to be money experts talk about what you're talking about. So everything from pop culture, current events, and money.

[George Camel]

And before we get into it, let's talk about what we're sipping on today. It's the Bourbon orange.

[Rachel Cruz]

Yeah, it's light. To be a bourbon drink already, I can feel it's not too heavy.

[George Camel]

It's borderline refreshing. Stick around to the end. We're gonna give you our rating and reveal the cost per glass. Okay, Rachel, Having kids do be expensive, as they say.

[Rachel Cruz]

It is expensive from start to finish. And you're adding on, George.

[George Camel]

I just keep piling on.

[Rachel Cruz]

I mean, number two coming soon in a few weeks.

[George Camel]

If you're watching and listening to this, I'm on baby watch coming up here.

[Rachel Cruz]

I know. How you feeling? How's everything?

[George Camel]

I think because we're also, like, moving, we just decided to do the most.

[Rachel Cruz]

At one, you know, we did that, too.

[George Camel]

Isn't that how it goes?

[Rachel Cruz]

Not to make this about me.

[George Camel]

No, Please tell me your experience.

[Rachel Cruz]

No, no. But it is. I'm like, life happens like that. I don't know why it piles on. But it does.

[George Camel]

Obviously. Obviously. Harder on the mom. The person who is pregnant while doing all this.

[Rachel Cruz]

Sure. Yes. Or postpartum.

[George Camel]

Yes.

[Rachel Cruz]

Yes, for sure. How's Whitney feeling?

[George Camel]

She's feeling it. She's, you know, third trimester.

[Rachel Cruz]

Yes.

[George Camel]

It's where it's like, it was kind of fun. And now you're like, okay, now back to not being the most fun.

[Rachel Cruz]

Now I'm ready. In my arms, not my belly. Yep, I get that for sure. Well, today, that's what we're going to be talking about. Because babies, they're expensive. A lot of time and money that goes in. But also, you don't have to waste your money on things that are unnecessary. So we're going to chat about that, too.

[George Camel]

We'll just cut right through all the noise and tell you the truth. How about that?

[Rachel Cruz]

Yes. Because it is hard, I think, even with this, like, influencer Culture. We see so much out there of, like, everything, down from the baby shower to the delivery. Like, people like Meghan Markle had a video of her dancing in the hospital room. Did you see that? Right before she. Like, you know when you're, like, good for her. Like, I could. I was, like, waddling, and she's, like, getting down, you know, but you see that. Like, you're literally seeing someone right before they're having a baby. Now. Like, that's what social media has done. And then everything after and all the gear and what they're all doing, it's just a lot.

[George Camel]

And then some people are brutally honest and telling you only the bad things, and some people only tell you the magic. And you're like, well, there's. It's all of it. Yes, it's complicated.

[Rachel Cruz]

That's a good point. Some people have built a brand. I'm just like, here's everything that's horrible. And then some are like, oh, my God, I'm so perfect. And it's. Which is.

[George Camel]

Rachel.

[Rachel Cruz]

No, I don't want that.

[George Camel]

I want to be. Well, let's. Let's get real.

[Rachel Cruz]

There are some things that I think are worth it, are worth the money that you spend, especially, like, on items, and then some not so much.

[George Camel]

So we'll spare you guys today, and we'll talk about our different theories on when is the right time to have a baby, where you should be financially before you start a family, things to think about, what you should spend on a stroller. Yeah, it's all. It's all there.

[Rachel Cruz]

All there. Okay, I'm gonna have to. I'll be guilty of some of this, as I did buy some nice things for my kids, like, actual things that lasted. But we'll get into that.

[George Camel]

Okay. What a tease. What a tease.

[Rachel Cruz]

Okay, well, let's answer some baby questions that we get a lot when it comes to having a baby today.

[George Camel]

Okay, let's start with this one. When is the right time to have a baby? This feels like a trick question, because if you call the Ramsey show, what is Dave Ramsey gonna say? He was like, just go ahead and have a baby. You're married. You love each other. You want a kid. Have a kid.

[Rachel Cruz]

It's great.

[George Camel]

It's a blessing.

[Rachel Cruz]

I'm on his side. Are you not?

[George Camel]

No, I am.

[Rachel Cruz]

You want to be debt free and, like all the things.

[George Camel]

But I think it's a simplistic answer for a lot of people who go, no, but really, they want something more complicated because they go, well, Dave, I'm in Debt. And we're not. We feel like we're not ready because of our age, because of our life situation, because we. We're renting an apartment. We can't have a baby. All kinds of reasons you can justify in your head why you shouldn't see.

[Rachel Cruz]

And all those reasons. I'm like, get him out of here.

[George Camel]

Get them out of here.

[Rachel Cruz]

Have a baby. Do it.

[George Camel]

Babies can live in apartments that are rented.

[Rachel Cruz]

They, they, they indeed can.

[George Camel]

They don't care. They're going to cry either way, whether they're in a mansion or your little apartment.

[Rachel Cruz]

Yeah. I think my big reason, and I'd say the same about marriage, is if there's a moment in life, because those are, like, really crucial, beautiful parts of life, and to hold that at a distance so that you can, like, get another goal in order. Like my financial. Like, I get it. You are probably going to be more stressed if you have a lot of debt, no savings, and have a baby. Sure. But also, I'm like, I hate to wait, because then in your head, it's like, well, once I get to this point, I'm okay. But then you're like, oh, man. But it'd be really nice if we had this next. And you just kind of keep pushing off something in your life that's really invaluable, you know?

[George Camel]

Well, here's the tweet. There is no baby step for having a baby. So if you're wondering where in the steps does this fit in the Ramsey plan? It really doesn't. It's inconvenient to have a baby, and it's also the biggest blessing of your life. And if you're, you know, especially if you're a person of faith, like, it's a gift from the Lord for sure. And you don't know if you're even going to be able to. I know that's a reality, especially as people get older, having babies. Older and older. And so you wait. Well, once we're both out of school with our third master's degree and we're established in a home that we own, then we'll think about it.

[Rachel Cruz]

Yep.

[George Camel]

You just don't know.

[Rachel Cruz]

Yep.

[George Camel]

You don't know what the journey's gonna look like.

[Rachel Cruz]

And there's some pros and cons to all of these. Right. So some of the pros, if you have kids earlier, you're younger, so physically you are like, you're going. Right.

[George Camel]

Babies take energy.

[Rachel Cruz]

It's a. Yes. It's a very different feeling. Even in pregnancy. It's a very different feeling. You know, as you keep aging. Right. You're gonna feel different. If you're 45 having a baby versus 25 like it is, you're gonna feel different. But I would say too, when you're. If you have babies later, I do think emotionally for most people, they have more of a bandwidth to hold the chaos of life. Because when your kids having kids, like, there's a level of stress there that you're trying to figure out life while also raising a baby. But the more established you are, I think there's a level of, like, security there. That's really good too. You know, there's pros.

[George Camel]

Pros to both, because as you get older, hopefully you're doing better financially than you were in your 20s. But also, you know, young couples have kids all the time, and you figure it out financially, it's not as big of a burden as you think. You can make it as expensive or practical as you want to.

[Rachel Cruz]

That's right.

[George Camel]

But I do think there is some truth to the. From what I've heard from everyone that has kids, I said I do wish we had had them earlier. If they had. If they had kids really late.

[Rachel Cruz]

Yes.

[George Camel]

So there's some middle ground. Like, you and Winston didn't have kids. You were married for how long before.

[Rachel Cruz]

You had your five years.

[George Camel]

Okay. And I think it was about the same for Whitney and I. Five years.

[Rachel Cruz]

Yep.

[George Camel]

So that's. That's a good amount of time for sure. But if you get married at 35 and then you want to wait five years, that's a different scenario.

[Rachel Cruz]

Yeah, it's. Yeah. Yeah. So it's all dependent upon. Yep. The situation. All right, next question. Top five items worth buying for a newborn. Other than like diapers and the obvious stuff, like, what are things.

[George Camel]

This is where it gets practical.

[Rachel Cruz]

And this is where I spend money.

[George Camel]

You need a car seat.

[Rachel Cruz]

Car seat.

[George Camel]

That's a non negotiable.

[Rachel Cruz]

Yes. And they have the new ones, which they did not have when I had babies. And they're yellow. They have yellow wheels and they're a car seat turn into a stroller.

[George Camel]

The duna.

[Rachel Cruz]

It's amazing. Did y' all have one?

[George Camel]

We did get a duna. We splurged on that. I think it was actually gifted from one of our showers. And it's a game changer. I think they're good up through when they're a year old.

[Rachel Cruz]

Dang. A long time.

[George Camel]

Yeah.

[Rachel Cruz]

I didn't realize it was that long.

[George Camel]

And especially if you're traveling like airports and getting out of the car. It really changed our life to have that. So that's. That's when I would recommend your main.

[Rachel Cruz]

Car seat that y' all used.

[George Camel]

Yeah. Up until, you know, she was one.

[Rachel Cruz]

That's amazing.

[George Camel]

So that's a great one. We're definitely going to be using that again.

[Rachel Cruz]

I would be getting that if I was on.

[George Camel]

And we saved it. So we're going to use it with the new baby now. And because they're expensive, you can get them used on Facebook, Marketplace. Just check for the expiration dates on those things, because it's crazy, but I found this out. Car seats have expiration dates.

[Rachel Cruz]

I know.

[George Camel]

Didn't know that. Didn't know it was like milk. I personally think it's still a scam.

[Rachel Cruz]

Because of the technology.

[George Camel]

I don't think so. I think it's a safety thing because of how crucial the, you know, the integrity of a car seat is to protect the baby. Like over 10 years. I think the expiration dates are years and years and years, but still.

[Rachel Cruz]

Yeah, Our infant car seat was used for. For every. All three of our babies.

[George Camel]

Good.

[Rachel Cruz]

It was nasty.

[George Camel]

Hey, they survived.

[Rachel Cruz]

It was nasty.

[George Camel]

So car seat is a big one. According to Babylist.com which is a popular registry site, the best infant car seat of 2025 is the key fit 35, and that's priced at 229 bucks.

[Rachel Cruz]

Key fit 35. What is that? Do you know what that is?

[George Camel]

I think it's a Chico brand because we have a Chico right now. It's the 360. It swivels.

[Rachel Cruz]

Oh, yes.

[George Camel]

That's my personal recommendation if you can swing it. And I have a hack from Whitney that she wanted to share, so I am a vessel for her to share this information.

[Rachel Cruz]

I can't wait. What is Whitney?

[George Camel]

So Target has a car seat thing. They do and thing in April and September where it's 20% off the car seats. If you bring in any old car seat, you can get one off the side of the road and bring it in, you'll get 20% off a new car seat. And if you pair it with a sale that Target has on a car seat, you can get a great deal. So that's what we did to get this Chico360 that rotates.

[Rachel Cruz]

And you're going to rotate it because Mia's facing backwards, but soon she'll be facing front. And you can use the same one.

[George Camel]

Yes. And you can turn to face her toward you. So it's so much easier to get them in and out of the car. It Saves your back.

[Rachel Cruz]

Wow.

[George Camel]

So there's a pro tip. Chico360. Game changer. Hashtag not sponsored. But reach out, Chico.

[Rachel Cruz]

Reach out.

[George Camel]

All right, next up on the items worth buying.

[Rachel Cruz]

Stroller.

[George Camel]

Gotta have it.

[Rachel Cruz]

And this is the one I had, I think is the uppababy Vista Y.

[George Camel]

They're on to V3 now.

[Rachel Cruz]

Okay. I don't. I don't know what ours.

[George Camel]

I think you may had V2 or maybe the. The. Just.

[Rachel Cruz]

This was 10 years ago. Cuz we had it with.

[George Camel]

Oh, then. Yeah, you had the.

[Rachel Cruz]

I think I had the. I think I had the original V1. There wasn't even a V. It was just the Vista. And this whole set right now cost.

[George Camel]

Say it out loud.

[Rachel Cruz]

$1,479. Yeah.

[George Camel]

Some people's first car cost that much.

[Rachel Cruz]

For sure. For sure.

[George Camel]

But it does come with a. I.

[Rachel Cruz]

Don'T remember how much I paid. I don't think it was that much. Ours came with stroller.

[George Camel]

Yep.

[Rachel Cruz]

Car seats, bassinet, and then a toddler seat. We had a bite. We bought an additional toddler seat to go in the front, which you kind of had.

[George Camel]

That's the key with the Vista is that you can add two.

[Rachel Cruz]

It can be a three person stroller, like with all this stuff. And it's amazing. It lasted us. I mean, we don't. We haven't done strollers in probably like two years or so. So I'd say a solid eight years. That.

[George Camel]

That's impressive.

[Rachel Cruz]

And it folds real quick down.

[George Camel]

Yes.

[Rachel Cruz]

You can fit it anywhere. And it's a light too, compared to some other strollers.

[George Camel]

That's what you got to think about is weight. How easy is it to take out, put back in. You don't want to be lugging something heavy around. That is cumbersome.

[Rachel Cruz]

I know. So we used ours and beat it to the ground. I mean that thing went everywhere with us.

[George Camel]

It saw some things.

[Rachel Cruz]

Yes. Mia is doing a stroller.

[George Camel]

Yeah. We have the Uppababy as well. And then we have a travel one that is a little bit easier, more nimble. So we keep that one in the car and keep the.

[Rachel Cruz]

It's like a little umbrella stroller. Like a smaller one.

[George Camel]

It is smaller. I don't remember the name of it.

[Rachel Cruz]

Okay, so you have two.

[George Camel]

We have two. One that we keep in the car. One that stays out in the garage so we can go walk around the neighborhood.

[Rachel Cruz]

Bougie.

[George Camel]

So that's. That's the baby step seven life. That is, you know, that's aspirational for you.

[Rachel Cruz]

Good for you, George. Because it is. It's so great. Okay, next is a bottle sterilizer.

[George Camel]

Okay. I wish I. I'm iffy on this one.

[Rachel Cruz]

I wish I had this. I never had it. But I've heard about them now that that's what they. That now I think it's like a thing you like push down and it cleans the bottle for you. Where before I had like the brush and I was like scrubbing it. Do you have one of these?

[George Camel]

We, I. We were doing the brush for a while and then I think my brother got us the bottle sterilizer. I find it to be very helpful. It was like you can just do the brush. It's not that hard.

[Rachel Cruz]

Okay. Okay. So it's a 50. 50.

[George Camel]

She underestimates how lazy I am. I'm willing to help if it's easy. You know what I mean? If I gotta sit there with a little brush. So there's. Yeah, there's a lot of gear there. But here's the one that is a non negotiable for me. A nice monitor.

[Rachel Cruz]

Oh yes, that is nice camera.

[George Camel]

Yes, we did the one that's non wi fi. Cuz I heard. I don't know if this is true, but I got creeped out by the fact that people could like tap into the monitor and if it's non wi fi they can't do that. Am I right?

[Rachel Cruz]

It's what I heard. Yes.

[George Camel]

Okay, I'm getting some yeses heard.

[Rachel Cruz]

That's a thing.

[George Camel]

So ours. I got the mod, the model for you because people want to know.

[Rachel Cruz]

I think ours is Motorola.

[George Camel]

Would that be a Motorola?

[Rachel Cruz]

They're still making stuff that had it.

[George Camel]

They made it. The Razer phone. Are they out here making baby monitors?

[Rachel Cruz]

I swear. Let me ask Winston. I swear. That is with our. It started with an elm.

[George Camel]

The one that we have is not Motorola. Maybe I'm missing out. We have the.

[Rachel Cruz]

What was the name of our baby monitor? The brand. Question mark. I'm a boomer. I voiced it every time I see.

[George Camel]

You voice the text. A puppy stops wagging its tail when you voice the text. I'm fully convinced.

[Rachel Cruz]

Question mark, exclamation point.

[George Camel]

I just don't like it. I feel like text messages are a private entity that should not be shared publicly.

[Rachel Cruz]

Well, I just shared mine. You keep going. I interrupted you.

[George Camel]

Anyways, the ones that we have are Infant optics is the brand. They're a little more expensive. They're 200 bucks. But there's a cheaper option called hello baby. That's 90 bucks. That does the trick. It's a Motorola.

[Rachel Cruz]

I knew I wasn't crazy. Yes.

[George Camel]

Good for you.

[Rachel Cruz]

Thank you. And it was great.

[George Camel]

I always wonder, like, who is keeping Motorola in business? The cruise family. She's got a Razer phone and she's got the monitor. And they're doing well.

[Rachel Cruz]

No. Well, we stopped using. Yeah. That is a. That's a. That's a beautiful day when the baby monitors go away. George.

[George Camel]

I can't wait.

[Rachel Cruz]

Yeah.

[George Camel]

She crying. Okay. What happened? She good.

[Rachel Cruz]

And I remember the signal. You wanted a strong signal because across the house, or, like, if we were at the lake, it's like, you're down at the dock.

[George Camel]

Long range.

[Rachel Cruz]

Yeah. I remember that being a big thing. Like, when I had babies. Be like, can I just have, like, long range?

[George Camel]

What did our parents do? They just had to, like, go check.

[Rachel Cruz]

Yes.

[George Camel]

Like, how'd you know what was going on?

[Rachel Cruz]

Because mom and dad said they would go and check and see. Like, just. Yes. Wow.

[George Camel]

Now they have, like, little, like, ankle monitors that check.

[Rachel Cruz]

The heart rate scares me. I don't like that. And then they have a thing for under the mattress that, like. See, that? Sense movement scares me. You have those stuff.

[George Camel]

There's a lot going on. No, I don't have any of that. We just do the monitor.

[Rachel Cruz]

Okay. I like that.

[George Camel]

Because what I'm. We're. You're listening for, like. Or is the baby crying?

[Rachel Cruz]

Yeah, I mean, that's right. That's right.

[George Camel]

The baby's silent. We're gonna assume.

[Rachel Cruz]

I do like seeing them, though.

[George Camel]

Sleeping. It is sweet.

[Rachel Cruz]

So sweet.

[George Camel]

There's nothing, like, looking.

[Rachel Cruz]

It's me. A talk. In her crib. Will she just sit up?

[George Camel]

Oh, yeah. Because she's doing like, that, you know, she's just so mumbling in her sleep.

[Rachel Cruz]

Oh, my God. With the little PJs. And they're just sitting up with, like, their little messy hair and they're just talking.

[George Camel]

Yes. And she, like, knows now, like, she'll, like, look up at the camera, like, talk to us. It's great. She's very smart. Baby genius. Last one.

[Rachel Cruz]

Oh, yeah. And I believe in this. This is something. We still use a sound machine, but, like, getting a nice one. So we got the white one.

[George Camel]

The dome. Doom.

[Rachel Cruz]

Yes.

[George Camel]

Yep. That's a solid one.

[Rachel Cruz]

I mean, and it's like, 50 bucks probably.

[George Camel]

Yeah. They're not cheap.

[Rachel Cruz]

No, they're not cheap, but so great. And now, gosh, people are so brilliant. It's crazy. What changes in technology. Six years. Like, it's not that long, but like, even since Charles. They have portable sound, tiny miniature sound machines to put in car seats and stuff. Brilliant.

[George Camel]

We use one. It's the yoga Sleep hush. It's like 25 bucks. And we have one in her room on low because you don't want to. You know, that's a real thing that you can hurt the baby's hearing if it's on too loud, if it's, like, blasting in the room.

[Rachel Cruz]

Oh, really? Yeah.

[George Camel]

Then we have one outside the room because the dogs are barking and doors are closing.

[Rachel Cruz]

We don't want that. Yeah.

[George Camel]

So we have two minis that are plugged in at all times when she's napping and sleeping.

[Rachel Cruz]

And do you take those with you on the go?

[George Camel]

Yes.

[Rachel Cruz]

How big are they?

[George Camel]

I actually take them when I go to, like, a hotel. That's what I use for me.

[Rachel Cruz]

How big are they?

[George Camel]

They're this big. Like a puck.

[Rachel Cruz]

Okay.

[George Camel]

Like a Google home.

[Rachel Cruz]

So you're not a dome guy.

[George Camel]

No. We have the domes in our room.

[Rachel Cruz]

Oh, okay. Okay.

[George Camel]

The adults deserve the dome.

[Rachel Cruz]

They got the dome.

[George Camel]

We'll upgrade one day. So, yeah, those are the things you actually need. There's a lot that you don't need. We're going to cover that next. Stuff that's overhyped.

[Rachel Cruz]

Yeah. Because there's some overhyped stuff. But something that is definitely not overhyped is cozy Earth.

[George Camel]

Thank you. I was waiting for you to say it.

[Rachel Cruz]

I mean, just the absolute most amazing. Clothes, Shoes, everything. You got shoes?

[George Camel]

Yeah. I got their, like, lake house clogs. And let me tell you, why would I ever own Crocs?

[Rachel Cruz]

Yeah. No. When I can wear beautiful, cozy Earth.

[George Camel]

Cozy earth clogs.

[Rachel Cruz]

Thank you for saying clogs.

[George Camel]

I'm a clog guy. I think that's what they're. They're. Right. They're not like, don't think like Dutch wooden clogs. These are very comfortable.

[Rachel Cruz]

Yes.

[George Camel]

Very ritzy. Walking around the house.

[Rachel Cruz]

Get your clogs. Get your cozy ears clogged.

[George Camel]

Get the clogs.

[Rachel Cruz]

But yeah, they're. They're blankets, their sheets, the bedding, the clothes, the pants, the shirts. I mean, all of it. The socks, like, it is incredible. The quality is amazing. And there's stuff that's like that soft silk material.

[George Camel]

Yes. And it keeps you cool.

[Rachel Cruz]

Unbelievable.

[George Camel]

A lot of, like, that bamboo viscose material. Amazing. So especially for the ladies out there, if you are with child, if you are postpartum. Guys, just. This is what she needs. Just trust me on this. The PJ sets, no matter What? You can't go wrong. Go to cozyearth.com smart money and you'll get up to 40% of off your purchase. Or you can click the link in the show notes. Use promo code Smart money at checkout.

[Rachel Cruz]

So wonderful. All right, some overhyped. I could tell you my number one hit it. When I was having Amelia, the cool thing was the mamaroo.

[George Camel]

Oh, what's that?

[Rachel Cruz]

It looked like an egg and the baby would lay in it. And it, like, does this.

[George Camel]

Oh. Like a motion.

[Rachel Cruz]

It's like the swing, but it's not. And you know what's funny is Amelia hated it. Like, it wasn't good, but it looked, like, futuristic. Like, it looked really, like, cool. Or at the time it did. And you know what? She wanted just the old school swing, and Denise, like, let me borrow hers. Just the one that's like, throwing them.

[George Camel]

Yeah.

[Rachel Cruz]

Oh, Amelia loved it. So I ended up with, like, the big clunky old school swing and not the cool, like, new thing.

[George Camel]

So there's a lot of fancy bassinets. There's one called a snoo that we were lucky enough to borrow from a friend for free. So I would say if you can get the snoo for free or cheap, it's awesome.

[Rachel Cruz]

People love the Snoop.

[George Camel]

And it does, like, the motion. It does noise.

[Rachel Cruz]

It's like a bassinet. It's like when they're sleeping.

[George Camel]

Yes.

[Rachel Cruz]

Okay, so my question is, if you use the snoo, but then you, like, go to a hotel and they have to sleep in, like, a pack and play, are they bothered?

[George Camel]

Oh, I didn't think about that.

[Rachel Cruz]

Are you conditioning them?

[George Camel]

I think they're okay temporarily for that.

[Rachel Cruz]

Okay.

[George Camel]

But it does help because it'll. As they make noise and get fussy, it'll start to go a little harder, get a little louder on their.

[Rachel Cruz]

Like, they. It picks up their voice.

[George Camel]

Yeah. If they start crying, it has a sensor. So that's what makes it fancy and smart. So it kind of, like, calms them down for you. And so it really. And it, like, ties them down. It has a special, like, swaddle, and so they can't, like, roll over. They're kind of just like, stuck in a little straight jacket.

[Rachel Cruz]

Okay.

[George Camel]

It's really crazy looking, but it works.

[Rachel Cruz]

But it's amazing.

[George Camel]

But it's crazy.

[Rachel Cruz]

Are you gonna borrow it for baby number two?

[George Camel]

That is my only hope is that my friend still has it and will let me borrow it because I will not pay fifteen hundred dollars for this.

[Rachel Cruz]

Fifteen hundred dollars?

[George Camel]

I want to say it's that expensive.

[Rachel Cruz]

And how long are they in it for? Not that long, Right?

[George Camel]

Six months.

[Rachel Cruz]

Oh, okay.

[George Camel]

Yeah.

[Rachel Cruz]

Okay. Yeah.

[George Camel]

So if you can get it cheaper free, go for it. Otherwise I personally wouldn't spend retail price on it.

[Rachel Cruz]

Overhyped. A wipe warmer. Oh, yeah, we never had one of those.

[George Camel]

They acted like babies cannot handle a room temp. Baby wipe.

[Rachel Cruz]

Yes, I know.

[George Camel]

They'll be fine.

[Rachel Cruz]

I think it's fine. Diaper pail. We never did one of these either. I always just had, like. Like plastic bags. Like grocery bags.

[George Camel]

Yeah.

[Rachel Cruz]

That I would just keep. And then like every day just.

[George Camel]

We use one for a while, especially early on. But nowadays we just got rid of it. And number ones go in the trash. Number twos go into a little grocery sack. Into the outside trash.

[Rachel Cruz]

Yeah, that's right. I think that's great. It's perfect.

[George Camel]

That's lovely.

[Rachel Cruz]

How old's MIA right now?

[George Camel]

She's two.

[Rachel Cruz]

Okay. You'll be potty training. Eh, Yeah, a little while.

[George Camel]

We're being told that we should start by people in this room by our producer, Jenna. So we'll see. I think we're on the cusp. But there's a lot of life change happening right now with the house and the baby, so we want to just.

[Rachel Cruz]

I know, I know.

[George Camel]

We'll wait it out.

[Rachel Cruz]

Fancy clothes, overhyped.

[George Camel]

Thank you.

[Rachel Cruz]

Listen, those babies just need to be in PJs. Just let them be in little PJs.

[George Camel]

Other than what Rachel bought for our dog, which was so cute.

[Rachel Cruz]

Oh, I did.

[George Camel]

Is that a smock?

[Rachel Cruz]

Smock? I bought Georgia smock dress for me. Listen, every southern girl needs a smock.

[George Camel]

So it's just part of the package.

[Rachel Cruz]

I think they're. I think they're cute.

[George Camel]

But the amount of clothing in her closet that was just given gifted.

[Rachel Cruz]

Isn't that amazing?

[George Camel]

Tags on it, bougie clothing that I'm like, when is she gonna wear a puffy, fuzzy, furry coat?

[Rachel Cruz]

I know.

[George Camel]

She's not leaving the house for the next six months.

[Rachel Cruz]

I know, but it's so cute, though, you know? I know. I was a. I was a. I was a consignment sale queen. There's a. A school in Nashville. It's called Oak Hill. Tell you Nashville moms, I'll give my secret. Right? The Oak Hill consignment was one of the most sought after size. Stood in line spring and fall for that thing because there's all these Green Hills moms with all their stuff, which.

[George Camel]

Is a fancy part of Nashville.

[Rachel Cruz]

Just. Oh, And I'm not kidding, y'. All. I mean, rows and rows and rows and rows and rows and rows of just cute designer clothing. Well, I wouldn't know if. I don't know if it's designer, but.

[George Camel]

It'S just, well, stuff that would have cost 50 to 60 bucks sometimes.

[Rachel Cruz]

Yeah, maybe. Yeah, Yeah. I mean, just some nice stuff and you could just. I mean, it's like $3, $2. And I was just. I'd go crazy Supermarket sweep in there. Oh, it was the best. It was the best.

[George Camel]

I will say that if you're gonna get clothing, the ones that we've enjoyed for the onesies are the magnetic me's. The snap magnets.

[Rachel Cruz]

Yes.

[George Camel]

So my brother just keeps gifting us more magnetic me's, and it changed our life. If you put buttons on a onesie, I will punch you.

[Rachel Cruz]

I know.

[George Camel]

What are you doing?

[Rachel Cruz]

Are you a zipper guy?

[George Camel]

Love a zipper.

[Rachel Cruz]

Yeah.

[George Camel]

Love a zipper. Love a magnet.

[Rachel Cruz]

Yep. Let's do it.

[George Camel]

Buttons will be the death of me.

[Rachel Cruz]

All right, last.

[George Camel]

Last overhyped item.

[Rachel Cruz]

And I feel this so passionately. Baby shoes. Infant shoes. The infant that 4 week old doesn't need shoes. Do not put shoes.

[George Camel]

I know they're cute.

[Rachel Cruz]

On an eight week old baby. No, it doesn't need boots. It doesn't need tennis shoes. No, that baby needs socks. And that's it. Can't walk, baby. Can't walk. Do not put big old shoes on that baby. I don't like it.

[George Camel]

Well said.

[Rachel Cruz]

How do you feel about that?

[George Camel]

Yeah, I'm a hundred. I can't believe this is the most aligned we've ever been in an episode.

[Rachel Cruz]

You don't like baby shoes either?

[George Camel]

No.

[Rachel Cruz]

Yes. People had like, Uggs on their, like six. I mean, it can't even hold up its head. It's like, here's the thing.

[George Camel]

You're doing it. You're doing it for yourself as a parent to go like, look how cute my baby is. They're already cute. If your baby's ugly, putting Uggs on them is not going to change that. I'm sorry. So just have a cute baby. It solves all the problems.

[Rachel Cruz]

I don't like it. Okay. So that was it. That was our five items overhyped. The next question we get a lot, George, is daycare versus stay at home parents. This is a big baby question.

[George Camel]

Should we get rid of on this one? Do you want the real answer?

[Rachel Cruz]

I mean, yeah, I think we're always.

[George Camel]

Real because we get calls on the reality show.

[Rachel Cruz]

Yeah.

[George Camel]

And the people can just decide hey, she's going to stay at home.

[Rachel Cruz]

Yes, yes.

[George Camel]

And then I go, well, this is a math problem.

[Rachel Cruz]

Yeah.

[George Camel]

If the guy makes $34,000 a year and she stays at home and you guys have all these bills and debt, mathematically you're going to continuously go into debt. This will not work. And so the hard truth is, staying at home is a luxury and a privilege. And as much as it is a choice, it's also a choice that has consequences. If you can't stomach it financially to live on one income, well, in your.

[Rachel Cruz]

Current lifestyle, that's the gut punch, is, yeah, he makes 34, she's making 50 household income of 84. It's great. Until she's like, oh, I'm the one that wants to stay home. She makes the bulk of the money. So now you're gonna have to make a decision is the value of her being home, which for some people it is that it is worth saying, okay, we're gonna move. We're probably gonna have to move. We can't afford this. Or live our housing situation. We're gonna not be able to do the things we were doing. Like, we were gonna cut our lifestyle way back in order to accommodate this idea that she's gonna be home. Right? So. And people do it, and that's great. I mean, genuinely, I'm like, if that's what people wanna do, I think that's a value call for them. But it's just. It may change the circumstances. You don't get the same life with half of an income. You just don't. You can't, mathematically. So that's the thing that you have to realize.

[George Camel]

And then the other gut punch is daycare is freaking expensive. So there's really no, like, wonderful scenario here. Financially. Both are going to be hard. Let's go through some of the average costs.

[Rachel Cruz]

Okay? So this was in 2023. And anytime we do, we do costs like this. George. We see it in the comments. We got Nancy. That's like, I'm in New York City. These numbers are insane. And then we got Sarah in the Bay Area, and she's like, y' all are living under a rock. So just Nancy and Sarah, chill.

[George Camel]

Or Brenda in Ankeny, Iowa, who's going, are you serious? That's so expensive.

[Rachel Cruz]

Yeah, that's right. That's right. And with these stat stats, again, I think they're from this year. It was maybe last year offcare.com. okay. And then we're going to compare them from 2023 numbers because they've all gone up, as you can imagine, except for one, which is great.

[George Camel]

Comforting.

[Rachel Cruz]

Average weekly nanny cost is $827, which is up from $766 in 2023.

[George Camel]

Average weekly daycare cost $343, which is up from $321 in 2023. So not a huge increase there in the last few years.

[Rachel Cruz]

Average weekly family care center cost $344, up from $230 in 2023. So a big jump there.

[George Camel]

And then lastly, average Weekly babysitter cost 167 bucks, down from 192 in 2023. I don't know how it went down. I don't feel like it went down.

[Rachel Cruz]

But babysitter costs apparently.

[George Camel]

Yeah. What is the going rate for babysitters? I found it to be about 18 to 25 bucks an hour is like normal.

[Rachel Cruz]

Okay.

[George Camel]

Maybe more if you got a bunch of kids.

[Rachel Cruz]

I pay different on ages, the age.

[George Camel]

Oh, that makes sense.

[Rachel Cruz]

So if we have like an 8th grade girl versus an 18 year old versus a 32 year old, I, I shift depending on their age.

[George Camel]

The older you are, the more experienced, the more you can demand as far as hourly rate. But honestly, for, for a lot of women out there, if you want a side hustle and you enjoy taking care of kids, this is a great side hustle, especially through care.com for sure.

[Rachel Cruz]

Absolutely. Okay. So these costs though, they are very expensive. And so what you really do have to weigh is, you know, is it is the daycare cost paying what I'm paying in that, what I'm making in my job. Right? Because there's a point that it just cancels each other out and it's like, is it worth the headache, right? Maybe for your mental health to be like, no, I want to be working and get out of the house. That's great. But like there is a point that you're just paying for daycare.

[George Camel]

If daycare is two grand a month and your take home pays two grand a month, you got to go. Okay, maybe it's worth it for me to just stay home.

[Rachel Cruz]

Yes, that's right. Yeah, be thinking about that. But there's some ways to minimize these costs, obviously. Ideally, if there is family in town to be able to help grandparents in law, once or twice a week. You know, not everyone has that, but that's, that would be ideal to help cut costs on this.

[George Camel]

And then nanny share is a new thing so you can kind of split this with other friends and it could bring the cost down if there's More than one kid there. That's a good one. And then, you know, having a spouse pick up a side, hustle a few days or nights a month to offset some daycare costs. Again, it's one of the sacrifices that you might have to make to bring them the income to cover those costs.

[Rachel Cruz]

That's right. And again, just kind of figuring out, is there a pivot for me in my work that I may have to do? You know, maybe I do stay home for a season. Maybe I go part time and only pay for half of these costs. Right. Because I'm making more part time or, you know, whatever it looks like, there just may have to be some pivots there. But think, think through that, because that could end up saving you some money.

[George Camel]

Yeah. And I think we should call out that no matter what decision you make as a woman, you will be judged by people, by society, by the Internet. Nobody is happy with whatever decision you chose.

[Rachel Cruz]

Yes.

[George Camel]

What is up with that?

[Rachel Cruz]

I don't know.

[George Camel]

And is it mostly women judging other women?

[Rachel Cruz]

Yeah. Yeah.

[George Camel]

Of like, I can't believe you would leave your career. You have an MBA and you make great money. Why would you leave that to stay home with a kid? Or the opposite. Why would you stay at work when you could take care of this kid full time? It's the most important job. Everything is true.

[Rachel Cruz]

Yes. And there's always a thousand little details of life behind those comments. Right. Of the person's situation. Like, you have no clue what's going on with them. So listen, everyone's doing the best they can. All of our kids are gonna be in therapy at some point. And it's fine. Yes, it's fine. Regardless.

[George Camel]

And I'll add the personal anecdote. My wife Whitney, decided to stay home when Mia was born. She did come back to work for a few months. I said, hey, just try it. What's the worst that could happen? Go back to work for a little bit. See what you do.

[Rachel Cruz]

Cause she loved her job.

[George Camel]

She loved her job here at Ramsey. She was here for nine. She was crushing it in her career. Executive assistant, making great money. And she still decided, you know what? I'm called, to be at home. And because of our financial situation, it wasn't like a, how are we gonna do this? Because we put ourselves in a great situation. By then, we just went, okay, cool, that's great. If you wanna do that, go for it. And she's loved it. It's the hardest, truly. It is harder than being at work. And I know depending on your job, you can argue with me. I would rather be here for my own mental and physical sake than be at home chasing a toddler. And I love hanging out with my. This is not me trying to avoid being a dad. I'm just saying it's hard. You can't compare it with, like, who had a harder day. That baby will wear you out. Especially in the toddler phase. And being pregnant, it's exhausting. She's going through it. So shout out to the moms out there.

[Rachel Cruz]

I had to have like little schedules if I was home with the kids to be like. Or just set some just for myself, my sanity. Because you'd look up. I will never forget. You look at the clock and it's like 10:38 and you're like, I thought it was 3:00 in the afternoon. How is it? Only it's not even lunch yet. Oh my gosh. What are we gonna do the rest of the day? I mean, it's. It is.

[George Camel]

It can you lose time? What day it is? When's the last time I washed my hair?

[Rachel Cruz]

Yes.

[George Camel]

When was my last meal? These are the questions that a mom asks because she's putting everything else before herself.

[Rachel Cruz]

She is the most sacrifice. She's so sacrificial. I know. Do you know what else is really sacrificial?

[George Camel]

What's that?

[Rachel Cruz]

The work that Delete Me does for us.

[George Camel]

The consumer doing the most behind the scenes.

[Rachel Cruz]

They go in and they remove your data from data broker websites, you guys, that collect your data and they sell your data to other companies and then you are at risk for scams and phishing and harassment and all this stuff. But Delete Me goes in and removes your information. And that's so selfless of them.

[George Camel]

It really is. And not just your information. Your spouse's information, your kid's information, your baby's information. All of it is out there. Imagine all the things you filled out with all of that info.

[Rachel Cruz]

Yes.

[George Camel]

And so it is out there. The question is, what are you gonna do about it? And what I did about it was got Delete me working for me behind the scenes. Real privacy experts all year long scouring these data broker sites to remove my info. They send me a report every few months and it gives me great peace of mind and it's super affordable.

[Rachel Cruz]

Yes. Oh, it's so wonderful, you guys. Yeah, it's an incredible service. So make sure to check it out. We'll leave a link down below. Or you can go to joindeleteme.com smartmoney check it out.

[George Camel]

Yeah, they got 20% off for our listeners and viewers.

[Rachel Cruz]

Oh, my gosh. Take advantage of that. But for real, though, it is an incredible service. There's so many subscriptions you can have these days, but your online safety so that your information's not like a billboard out there. It is worth a subscription because, man, they help you out so much.

[George Camel]

And I got my parents on it. That shout out. They're in a crowd today.

[Rachel Cruz]

Love it.

[George Camel]

And I feel better knowing that they're not gonna gullibly fall for a scam or something.

[Rachel Cruz]

It's real.

[George Camel]

They get a random text message.

[Rachel Cruz]

It is so real. All right, question number five. What to ask of people when they offer to help. Oh.

[George Camel]

So let's start with showing up to the hospital.

[Rachel Cruz]

Okay.

[George Camel]

What are your thoughts?

[Rachel Cruz]

Not a fan. Not a fan.

[George Camel]

So Rachel just had a baby, and I'm like, hey, we'd love to come visit.

[Rachel Cruz]

No, that's asking at least.

[George Camel]

Yeah. Oh, versus just showing up unannounced.

[Rachel Cruz]

Yes. Yes.

[George Camel]

What room are the cruises in? All right, here we go.

[Rachel Cruz]

That happens. Yes, it is. My parents generation, like, they are adamant that you go visit people in the hospital.

[George Camel]

Boomers feel entitled to seeing this newborn. They're like, this is my doing.

[Rachel Cruz]

And, like, some of their friends. Again, very kind. It's very like. But, man, they will show up at the hospital. Isn't that funny? I'm like, I don't know what that is, but it is. It's. It's real. And the first baby, who do you want there?

[George Camel]

And when.

[Rachel Cruz]

Family. You know, I had. I had people in my delivery with a Caroline.

[George Camel]

Mrs. Don't show up unannounced. And you have a party unannounced.

[Rachel Cruz]

That's the key. That's my thing. That's my asterisk. People that just show up, they knock.

[George Camel]

On the door, and you're like, yeah, you invited. Hey, I want you there.

[Rachel Cruz]

Yes.

[George Camel]

That's different.

[Rachel Cruz]

I know. I had people in Caroline's delivery.

[George Camel]

Wow.

[Rachel Cruz]

I know that. Funny. I don't know why. I just want people to experience it. People. I have people in my life. They're like, I've never seen a baby be born. I'm like, well, come to my delivery.

[George Camel]

Wow, you do love a delivery. Rachel wants to make a show of everything.

[Rachel Cruz]

I do.

[George Camel]

Apparently, it's a performance.

[Rachel Cruz]

I know. I. Yeah. Some people probably think it's real weird, but I did. But, yeah, there. I don't know. Yeah, but the hospital visits after. I would want. I want family and then, like, good friends.

[George Camel]

Yeah.

[Rachel Cruz]

But, like, I don't like, love the co workers, but, like, I don't need a co worker showing up.

[George Camel]

Okay, duly noted.

[Rachel Cruz]

You know what I mean? Like, like, there's just certain things that.

[George Camel]

I'm like, I can take the hint.

[Rachel Cruz]

No, not like, not. Not anyone in this room. I consider everyone here friends. So. Yes, you would be. But people that, like, were a leader or like, I mean. Yes.

[George Camel]

Where they feel like, well, maybe we should stop by.

[Rachel Cruz]

Yes. Because they think we're gonna love it. Yeah, it might. Dad always says, I'm totally riding on Dave right now. She's always like, everyone wants to show off their baby. I'm like, not when you've just pushed me out of your body. No, they don't. Yeah, no, they don't. Like, they want to show it off like two weeks later. Not a fresh eight hour old baby. No, do not be showing up tomorrow.

[George Camel]

Well, mostly for the mom. Like, mom is recovering here. She just went through a pretty traumatic.

[Rachel Cruz]

There is something about that. I don't know what it is, but, man, they are, like, going to show up because they think you want it and you're like, no, don't assume. Yes.

[George Camel]

Okay, how about meals and food? Like bringing meals and food.

[Rachel Cruz]

That's the best gift.

[George Camel]

Meal training. What are your thoughts on it?

[Rachel Cruz]

Best gift you could give anyone.

[George Camel]

Do you think it's helpful to say, hey, do you want us to stop by or just drop the food at the door? Because there's a difference. Sometimes you just don't want to, like, have to be social and see people.

[Rachel Cruz]

Yes, that's right.

[George Camel]

Sometimes you want them to come in and have some social time.

[Rachel Cruz]

Sam, my publicist, she had her baby and she's very social like me. So I was texting, I was like, hey, I'm gonna pick you up food. What do you want? She's like, I want tzatziki's. Perfect. I'm bringing you Tzatziki's. What's your order? What do you want? And. And she was like, come in and eat with me. And I'm like, no. And I'm more like, no, no, it's fine. Just like, she's like, no, I want you. And I'm like, okay. Like, if they are adamant because they, like, want to talk and hang out and it's great. I think that's so fun.

[George Camel]

Yeah. And you stopped by and you came in and we hung out for a little bit.

[Rachel Cruz]

I did. You actually made me a cocktail chip.

[George Camel]

That's right. You're a gin and tonic. Oh, can I say, and even then.

[Rachel Cruz]

I Was like, guys, just kick. Do not. I don't want to. I don't want to stay if you do not want me. And Whitney was so sweet. She's like, no, my God, I was here. So I help Mia and. Yep.

[George Camel]

Well, you also have to know, like, some people are a lot. When they enter your house, and some people, you know, they're not. They're not going to take. They will give.

[Rachel Cruz]

Yes, yes.

[George Camel]

So it depends on the person, and it's okay to set the boundary and be firm with it.

[Rachel Cruz]

I had a. A friend come. She was a little. She was older. She had older kids. And she came, and I will never forget.

[George Camel]

She.

[Rachel Cruz]

She held Amelia. I think it was with Amelia. And she was like, just. She goes, leave for an hour. Just go into your room, shower, lay down, watch tv, do whatever you want. And I'll just be in the living room with Amelia. And if you need. You know, if I need you, I'll let you know. But. And I came, and Amelia, she was sleeping, and she had done my dishes, like, all this stuff. And I was like, that is like, that's just the best gift. Like, one hour. What a gift. You know?

[George Camel]

So we experienced that because Whitney had really tough pregnancy. And then postpartum abscess into scarlet fever.

[Rachel Cruz]

Yes. I was.

[George Camel]

Didn't even know you could still get that. I thought that was, like, scurvy. I thought we eradicated it.

[Rachel Cruz]

That's just from Little Women.

[George Camel]

Yeah. So she was on the struggle bus to where I was like, any warm body can enter my house and help.

[Rachel Cruz]

I know.

[George Camel]

And that was such a gift for friends that showed up while I was at work. They would show up, do laundry, let her shower, whatever she needed to do, they would just show up. So be that friend if you can.

[Rachel Cruz]

Sweet. I know. And don't bring your little kids that you think are so cute around the baby.

[George Camel]

No, my kids are great.

[Rachel Cruz]

Yeah. My kids. Don't worry.

[George Camel]

You might as well bring a rottweiler into the house.

[Rachel Cruz]

Running around, and you're just like, oh, my God, get out of my house. So don't bring your kids to see the baby.

[George Camel]

It's like bringing a zoo animal. Being like, no, no, they're really well behaved. And then I'm cleaning up after your kids.

[Rachel Cruz]

Yes.

[George Camel]

No, thank you.

[Rachel Cruz]

Social awareness, everyone. Social awareness, especially for new moms.

[George Camel]

Yeah. Just be self aware and think, would I want someone to do this? And then the answer is still, let me ask.

[Rachel Cruz]

Yeah, that's right. That's right. All right, question number six, final one. What is the Number one tip for financially preparing for the season.

[George Camel]

Oh, is there a number one tip? There's a lot here.

[Rachel Cruz]

I've got a lot. Okay. So after delivery, raid your hospital room. They leave. And you know what I did? This is. I learned this trick. I did it with the. With Caroline Charles. I brought an extra little duffel. And every night I would clean my stuff and put it in a duffel, and they come back and restock. You take it.

[George Camel]

Brilliant.

[Rachel Cruz]

Oh, it is the.

[George Camel]

The key teaching here is when you're paying for this delivery and labor, you're paying for all the supplies that are in that room at any given moment.

[Rachel Cruz]

So you can take it.

[George Camel]

Take it like a hotel champagne.

[Rachel Cruz]

And I'm gonna say, ladies out there, if you've had a bit, you know this. The underwear they give you, the hospital underwear. It's amazing. You really can't find it anywhere else. So get a couple.

[George Camel]

I haven't heard about this.

[Rachel Cruz]

And then the squirt box. I mean, everything that's involved for you as a mom, take it all. Take it all.

[George Camel]

You paid good money for it.

[Rachel Cruz]

Oh, it's the best. And then for the babies, my favorite was the lip. Was the little brush. Did you get. Did y' all have those? Oh, yeah. I like four of those home. Tons of diapers. They give you, like, tons of diapers and wipes loaded up. Creams. Loaded up. Circumcision. If you have a boy and he circumcised all the. You'll learn this. Oh, gosh, George, get ready for this. This will be new for you. All the ointment and all of that. Take all of that and the gauze.

[George Camel]

That's what I've always wanted.

[Rachel Cruz]

I know.

[George Camel]

Ointment and gauze. How exciting.

[Rachel Cruz]

Get ready, get ready.

[George Camel]

So here's the take. If it's you, just take everything. If it's not plugged in or bolted.

[Rachel Cruz]

In, there you go. Do it all.

[George Camel]

Don't like take equipment, but, you know, taking this bed. Although Rachel loves a hospital.

[Rachel Cruz]

I love a hospital bed. I love the hospital. I hated it.

[George Camel]

Confused because I thrive. I think Whitney gave birth to the same hospital. And I'm like, did we have a very different room? Did you have a presidential suite?

[Rachel Cruz]

Because it wasn't big. I just love it. And the nurses come in and they take the lead, and that's it. I would say this now. Some moms don't like this, and it's fine. Just don't get mad at me. Let the nurses take the baby to the nursery at night. So you can sleep. And then they will bring you that baby, and you get to hold that baby, feed that baby, and that baby leaves again. And then you get to sleep, and then during the day, you get to hold the baby all day. And it's wonderful, but, like, take advantage of the help there. That was my opinion. But everyone does that.

[George Camel]

That is true. Because once you leave, it's just on you. Like, they. I found them very unhelpful. When we were leav leaving, we had a bad. We had, like. What you don't realize is you have, like, six nurses while you're there. It's not like, one person.

[Rachel Cruz]

Yeah, no.

[George Camel]

Everyone's just shifting in and out. And so our last nurse was the most unhelpful towards, like, all right, just put the baby in that car seat and head out. I'm like, I don't even know how to do that. I thought they were supposed to, like, do that. Help you take it to the car, make sure that the car seats installed safe. None of that.

[Rachel Cruz]

Yeah, you just walk out in Tennessee, you don't get a wheelchair. Some states, they wheel out the mom.

[George Camel]

Oh, that's nice.

[Rachel Cruz]

Yeah, that would have been nice. We don't. We don't have that in Tennessee.

[George Camel]

And then driving home with that baby for the first time. The first time, I've never driven slower.

[Rachel Cruz]

I know. Did Whitney sit in the back seat?

[George Camel]

I don't even remember. It was all a blur.

[Rachel Cruz]

Okay.

[George Camel]

Yeah, I slept very poorly. And let me just say, dads, they're, like, mean to the dads. They do not care about you, which is understandable. The focus is on the mom, but goodness gracious, it was just like I was chopped liver.

[Rachel Cruz]

I mean. Yeah, they just. They just ignored you.

[George Camel]

Yeah.

[Rachel Cruz]

Really?

[George Camel]

Yeah. Like, the doctor didn't even make eye contact with me when he would walk in the room to where I was like, I'm here too. I might be shirtless in a corner looking disheveled, but I'm here too. I'm paying money to be here too.

[Rachel Cruz]

Can I say this? I don't know why this reminded me we're going off now. Do you know what? Pictures kind of cringe me a little bit on social media.

[George Camel]

The dad's shirtless, holding the baby. Yes.

[Rachel Cruz]

I just saw one with the dad.

[George Camel]

I literally saw one today. And I went, I'm gonna unfriend this guy. Don't post that.

[Rachel Cruz]

I think it's important to do, like, it's like, an actual thing. I don't know why. It feels very vulnerable when I see this I shouldn't be seeing this.

[George Camel]

Capture it for you.

[Rachel Cruz]

I know. Isn't that funny?

[George Camel]

Do not post that on your. I don't want to see your chest. I don't see your chest hair. It's gross. It's gross.

[Rachel Cruz]

That baby's face. George, I'm with you.

[George Camel]

I'm picturing it right now.

[Rachel Cruz]

We are such on the same team this episode. We like have a lot of the same opinions.

[George Camel]

Let's talk finances. I'll give you my number because we said tip. Financially, the supplies does count because you paid money for it. But researching the cost of your birth plan I think is very wise. And they'll usually explain to you if you pay attention. Here's how much the total birth will cost out of pocket. That's the number you want to focus on. What is my total out of pocket cost? What does my insurance cover? What does it not cover? What is my out of pocket maximum? All of that stuff matters because you think, well, babies are expensive. Well, they're expensive up to a point. But insurance will kick in.

[Rachel Cruz]

Yes, that's right. Yeah. So here's some just data from the past two to three years. So the average cost for pregnancy visits, hospital, childbirth, postpartum care, all of that is around $18,865. And insurance typically covers about $16,011 of that, leaving you out of pockets with on average $2854. So about three grand.

[George Camel]

The sticker shock just kind of faded away when you hear 18 grand and then heard less than three grand.

[Rachel Cruz]

Yeah, that's right. That's right. Yep. So insurance is a wonderful, wonderful thing for sure. And again, making sure that you're just planning ahead. So you got nine months when you find out you're pregnant. So be thinking and putting some money away. And you always wanna pause if you're on baby step two, the debt snowball. So just pause that and just stockpile some money and be saving, saving, saving, saving for this. Saving for, you know, when they, when they come home and you're starting to adjust to a new life, there's gonna be a new line item in your budget. If you're not doing a budget, everydollar incredible budgeting app. But put a line item for baby in your every dollar budget because you're going to be spending money on that baby.

[George Camel]

Yes.

[Rachel Cruz]

And just. And it takes a few months to kind of get in the rhythm of like, okay, are we doing formula? What kind of diapers are we buying? Like, you get into your rhythm of how often you're needing to buy these things and all of it.

[George Camel]

So that's a good reminder.

[Rachel Cruz]

Give yourself a few months to kind of get in that rhythm and know what. How much it costs and don't get.

[George Camel]

Overwhelmed by the cost because a lot of things will be covered by your registry. If you have a shower, people will want to buy things for you, especially if you have family. And on top of that, what we did was just buy a lot of things used. So the recliner, we got a nice, like Pottery Barn recliner, but we got it used off Facebook. It was super cheap. Same with our crib. It was a high quality crib used off Facebook. And so don't be afraid to go used. People are getting rid of baby stuff all the time, so you don't need to spend high dollar amount to get high quality.

[Rachel Cruz]

Yep. So great. All right, George. So takeaways. You know, I think babies are wonderful. So fun. And I think you get to make a lot of decisions on what you're spending on them when it comes to, like, the gear and all of that. But, you know, I think it is one of. We talk about this a lot is kind of putting the blinders on with your life. Life. But especially the comparison thing is so real. So real. And especially if you're a new mom, it like, piles on even more. So doing what is best for you guys and staying within your budget. Don't go into debt for this stuff. But there's something about just like getting in the habit and the rhythm of making decisions that's best for you. So epidural or not, let the nurse take the baby or not nurse or bottle feed or. You know what I mean? Like, you get to make these decisions for what's best for you. And so remember that. Be very secure in it. That's what I would tell new mom Rachel.

[George Camel]

That's really good. I'll add to that. There are so many unknowns, and you will never have it figured out. I don't care how many books you read, you just figure it out on the fly. And just like marriage, you can do premarital counseling, but until you live together and deal with all the actual realities of it, you just don't know. And so I would say jump into it, figure it out. And I rarely will you ever find someone to look back and said, I wish we never had kids. Kids are truly a wonderful blessing. And it's hard. Just like marriage is hard.

[Rachel Cruz]

That's right.

[George Camel]

But marriage is still worth it. And so I'd recommend it to anyone out there who's wondering, should you have a kid do it? Because I truly, I have not felt that level of joy in my life as looking that baby's eye. Especially when you can, like, they get older, you can interact with them. Because for the dads out there, you think like, oh, having a baby is going to be fun to have this little person. They're really not fun for the first, like, six months to a year they give. You lay there as someone who wants to get a, you know, needs some applause, some affirmation. It did. It took a good year, year and a half for that baby to even, like, smile at me.

[Rachel Cruz]

Oh, my gosh.

[George Camel]

But now I can get her to laugh. And it's the best thing.

[Rachel Cruz]

Sweet.

[George Camel]

It's the best.

[Rachel Cruz]

So great. Oh, so fun.

[George Camel]

George, if I can be a dad, anyone can be a dad. That's the hot take. You can Google it. We have chat GPT now. Our parents didn't have this.

[Rachel Cruz]

That's right.

[George Camel]

You'll be okay.

[Rachel Cruz]

You're a great dad, George. All right, before we spill the tea on our guiltiest charged, tell us about the drink.

[George Camel]

All right, here's the drink. The bourbon orange costs $4.46 per class.

[Rachel Cruz]

Oh, it's up there.

[George Camel]

It's up there. And the ingredients are bourbon, fresh, sumo citrus juice. Orange juice will work as well. I don't even know what sumo citrus is. Orange liqueur, a little simple syrup for sweetener, orange bitters, and some soda water to add a little bubbly to it.

[Rachel Cruz]

Okay.

[George Camel]

I thought it was nice. It kind of felt like a brunchy drink. Yeah, I don't know that I would order it at a restaurant.

[Rachel Cruz]

I don't think I would either.

[George Camel]

Just give me a mimosa or a.

[Rachel Cruz]

Bloody six and a half.

[George Camel]

I'm gonna go six. I think six and a half.

[Rachel Cruz]

And Michael's gonna get mad at us because he, like, he didn't like the ice that we used this drink, but the ice melted, so I did kind of make it watery.

[George Camel]

Yeah, it got watered down pretty quick, which he warned us about.

[Rachel Cruz]

I know.

[George Camel]

Still a good drink. I just. It's not something that I would order, which is Rachel's take on.

[Rachel Cruz]

How do you rate this? I'm say, yep, six and a half.

[George Camel]

Hey, maybe you will love it. Give it a try. Recipes in the show notes. Let us know what you think.

[Rachel Cruz]

All right, now it's time for guilty as charged. And this is where we ask each other a guilty church question every week. And if we're guilty, we take a sip. All right. George, you ready?

[George Camel]

Yes.

[Rachel Cruz]

This is funny. Have you ever told someone you loved them without meaning to?

[George Camel]

Oh, gosh. Someone that was not your spouse or family?

[Rachel Cruz]

I did.

[George Camel]

Like a stranger.

[Rachel Cruz]

No, to Jeremy Breland. We were on the phone about something. I was traveling and all this. We're like, this, this, this, this. And I was like, all right, love you.

[George Camel]

Bye.

[Rachel Cruz]

I was like, oh, my gosh. No, I don't.

[George Camel]

Had you already hung up. Was it not late? Like, no.

[Rachel Cruz]

And he started laughing. He says, okay. And I know Jen, his wife. Like, she's so great.

[George Camel]

He was like.

[Rachel Cruz]

He's like, I do that. You know? He's like, oh, I've done that. Don't.

[George Camel]

He is a lover.

[Rachel Cruz]

Made me laugh, though. I was like, I cannot believe I just told Jerry Braylon I loved him. Getting off the phone.

[George Camel]

I will say I do it, but I mean it. I'll do it to, like. If Winston was on the phone with you right now and you said, all right. Love you, I would chime in. Love you, Winston. Thanks, Winston. Love you.

[Rachel Cruz]

Oh, gotcha.

[George Camel]

So I do it to troll, but.

[Rachel Cruz]

I also mean not on accident, though.

[George Camel]

Well, it's a troll, but I can secretly mean it. And he doesn't know.

[Rachel Cruz]

Oh, so you're kind of being vulnerable.

[George Camel]

But truly, I'm being vulnerable.

[Rachel Cruz]

Sweet.

[George Camel]

Because I do love Winston, but.

[Rachel Cruz]

All right.

[George Camel]

Is it a smart money happy hour episode if I don't show love to Winston? But I do. You know what I do when they say, like, have a good flight? I'm like, you, too. I'm like, you're not going on the flight.

[Rachel Cruz]

Oh, I know.

[George Camel]

You work in the airport. What am I thinking?

[Rachel Cruz]

People, though, cringe that they do that.

[George Camel]

It's very cringy.

[Rachel Cruz]

I know.

[George Camel]

It's a very human experience.

[Rachel Cruz]

Yes, I know.

[George Camel]

To have that level of regret.

[Rachel Cruz]

Yeah. The waiter's like, hope you're enjoying the meal. Like, you, too. I hope you get to eat today. Sorry. I hope everything's okay. Oh, well, make sure to DM us your guilty as charged questions, and hopefully in the future, we'll use them on an episode. So if you guys enjoyed this episode, you'll definitely enjoy the episode with my kids. A million Caroline.

[George Camel]

One of my favorites.

[Rachel Cruz]

I left Charles out of this one, but make sure to check out Putting our financial knowledge to the test with some special guests so you can click there to watch that episode. We'll put a link in the description and make sure to subscribe to the channel so you don't miss an all new episode of have Smart Money. Happy hour.