Cringe or Cool? People Financially Oversharing on the Internet

Summary

Podcast Summary

Smart Money Happy Hour – Cringe or Cool? People Financially Oversharing on the Internet

Hosts: Rachel Cruze & George Kamel
Date: June 11, 2026
Network: Ramsey Network

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Episode Theme Overview

This episode dives into the increasingly public world of personal finances on social media: Venmo transactions between couples, debt payoff brag posts, vacation dumps, "loud budgeting," and more. Rachel and George blend their signature playful banter with candid, financial wisdom as they decide: which oversharing is cringe, and which is actually cool? They also debate the boundaries between transparency and privacy when it comes to money, and reflect on what motivates people (including themselves) to post about finances online.

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Key Discussion Points & Insights

Opening Banter: PDA vs. Public Displays of Transaction

• The episode kicks off with playful chat about acceptable public displays of affection—quickly twisted into a conversation about "public displays of transactions."
• Notable Quote (01:12, George): “This is about public displays of transaction… I just don't like it. That actually bothers me much more than PDA.”

Venmo Etiquette in Marriage

• Rachel and George cringe at the idea of married couples Venmo-requesting each other for minor expenses.
  • Rachel: “Could you imagine Winston Cruz having the audacity to Venmo me?” (03:21)
  • George: “You're exchanging all things, but you're going to Venmo?... That's your line. So crazy to me.” (04:04)
• They agree: joint finances align better with healthy relationships and “spotting” your spouse shouldn't lead to reimbursement requests.

Digging Into Venmo Public Feeds

• George digs up Rachel’s old public Venmo history (circa 2018), sparking laughter over mysterious emoji-filled transactions.
  • Rachel: “We got the matching swimsuits for a beach trip we did when they were little…” (05:40)
• Reflection on how much Venmo feeds can reveal about someone’s private life—and how quickly most people make their feeds private.

Emoji Game: Venmo Scenarios

[07:11 - 13:10]

• In a lighthearted segment, they make up scenarios based on random emoji groupings—mirroring the cryptic nature of many Venmo notes.
  • Fun Quotes:
    • “The mermaid was the tooth fairy, but I didn’t know the fairy emoji.” – Rachel (08:12)
    • “Spool of yarn, a ticket, and a magic eight ball… We went and saw the real Cinderella at the movie theater, then made dresses.” – Rachel (11:19)
    • “Party hat, spider emoji, orange… I’m throwing a huge party for Halloween. Cruises are coming over!” – George (09:09)

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Cringe or Cool? Debate Segment

[16:13 - 40:09]

A rapid-fire assessment of public financial flexes and overshares:

1. Debt Payoff Journey Posts on Facebook

Consensus: Mostly cool, when there’s vulnerability, humility, and a context of accountability.

• Rachel: “There's definitely an empathy play… probably more people relate than you realize.” (16:53)
• George: “It shows people the reality…and makes the sacrifice more attainable.” (17:58)

2. Loud Budgeting on TikTok (e.g., sharing exact incomes, envelope-stuffing videos)

Nuance: Can be cool if educational, but cringe if just for attention or comparison.

• George: “If the numbers are so high it’s unrelatable, that’s not a good thing.” (18:24)
• Rachel: “I may be old school… I just don’t know if that’s anyone’s business unless you’re teaching someone.” (19:14)

3. Net Worth Milestone Posts on LinkedIn

Mostly Cringe—especially out of context.

• Rachel: “LinkedIn feels like not the place… I’m gonna say more cringe.” (20:42)
• Discussion about the difference between sharing financial milestones in relevant communities (like the Ramsey Baby Steps Millionaire groups) versus public platforms.

4. Baby’s First Car Posts (by parents on social media)

Cringe—unless the kid earned/pay for it.

• George: “You can tell if the kid paid for it based on what car it is.” (26:21)
• Rachel: “Isn’t that an awesome, humble-brag if your kid buys half of it themselves?” (26:47)

5. “Just Bought a Home” Posts on Instagram

Mostly Cool—especially with authenticity or context. Slight cringe for over-the-top photo-ops.

• George: “The bigger and fancier the house, the more you’re like, okay…” (29:40)
• Rachel: “I feel nothing with them. I get more of a reaction with cars than with houses.” (29:32)

6. Vacation Photo Dumps

80% Cool, 20% Overdone.

• Rachel confesses she enjoys seeing them—even for influencers.
  • George: “10 stories a day, max. But I like the food, the ambiance.”
  • Rachel: “Please post more. I’ll come back to your page to keep up with what’s going on.” (32:15)

7. GoFundMe for Non-Emergencies

Cringe—But huge empathy for real emergencies (medical, loss, etc).

• George: “Feels like, hey, there’s people who really need this help right now and you’re just making noise.” (35:57)
• Great example discussed: supporting teachers’ wishlists.

8. Shopping Hauls (Sephora/Trader Joe’s/Costco)

Cool/Harmless—mild interest or curiosity.

• George: “You ever look at people’s carts shopping—especially if you know them?” (38:21)
• Both admit a curiosity about seeing into others’ routines, but agree it’s harmless unless intended to show off.

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Reflections on Motivation and Self-Awareness

[41:20 - 42:22]

• They debate whether viewers’ reactions are more about the poster or the audience’s own emotional triggers.
• Rachel: “If [it’s] a benign post… does your reaction say more about you than about them?” (41:12)
• George: “You control way more than you think… Just think before you post. It’s a self-awareness.” (42:14)

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Notable Quotes & Memorable Moments

• “If you and your spouse are paying each other back for lattes… you’re going to end up on Rachel’s prayer list.” – George (13:45)
• “It all comes down to self-awareness. How aware are you when you’re posting? What’s the motive?” – George (42:10)
• “Just because you can’t sing doesn’t mean [you can’t] emoji to emoji to emoji and just name them off.” – Rachel (12:53)
• Rachel explaining her Venmo emoji logic: “Maybe you didn’t know how to change the emojis to different hairstyles… I bet they couldn’t be changed in 2018. That’s how long ago that was.” (05:49)
• Rachel on vacation Instagram: “I love following people on vacation. Please post more. I’ll come back to your page.” (32:15)

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Additional Fun Segments

Drink Review:

• Enjoying a Sweet Georgia Peach Smash: bourbon, lemon juice, simple syrup, seltzer, sliced peaches.
• Rachel: “I may go nine and a half. I’d order it.” (43:00)
• George: “Eight out of ten.” (43:00)
• Cost per drink: $2.40.

Guilty as Charged

[44:11 - End]

• Each confesses to unintentionally triggering someone with a post:
  • Rachel: Brunch pics during a Nashville snowstorm, unintentionally appearing tone deaf during a time of crisis. (45:00)
  • George: Viewers assumed his “man on the street” debt guessing segment was staged or a humble-brag. (47:18)

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Timestamps for Important Segments

• 03:21 – Talking joint bank accounts & Venmo etiquette for couples
• 05:01 – Rachel’s old public Venmo history (and emoji decoding)
• 07:11 – The Venmo emoji improv game
• 16:13 – Start of the “Cringe or Cool?” debate
• 26:07 – Parent “first car” posts discussion
• 29:40 – “Just bought a home” post chat
• 32:15 – Vacation photo dump segment
• 35:02 – GoFundMe for non-emergencies
• 41:12 – Audience reaction vs. poster motivation
• 44:11 – Guilty as Charged: confessing content faux pas
• 43:00 – Drink review and final thoughts

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Conclusion

This episode is equal parts playful and insightful, offering practical wisdom on navigating financial transparency in a hyper-connected world. If you’ve ever wondered how much to share — or judge others for sharing — on social media, Rachel and George deliver candid, relatable takes and a reminder that, ultimately, “it all comes down to self-awareness and motivation.” The debate is fun, but the takeaway is clear: post what feels authentic, recognize your audience, and don’t obsess over judgment—either giving or getting it.

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Transcript

[A]

If you have feelings about married couples Venmo requesting each other, you're in the right place. Today we are unpacking bizarre public money behaviors.

[B]

Fire hydrant, a tooth, and a mermaid.

[A]

That's not a hydrant. Okay, Kyle. Like, you guys really paid for that. Kyle, Daddy paid half down for me.

[B]

I love following people on vacation. I'm like, take me with you. Please post more. I'll come back to your page. Hey, guys, I'm rachel cruz.

[A]

I'm george camel.

[B]

This is smart money happy hour. Cheers, George.

[A]

Cheers. Zippity doo doo.

[B]

Summer in a Glass.

[A]

That's nice.

[B]

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.

[A]

And before we get to the matter at hand, let's talk about what we're sipping on here. This is a Sweet Georgia Peach Smash.

[B]

I mean, I love it.

[A]

George, take me to the derby.

[B]

I will. I will. Sip on this.

[A]

Take me out to the ball game. I'll go anywhere with this drink. This is great. All right, stick around till the end. We're going to give you our rating and reveal the cost per glass. You don't want to miss that. All right, Rachel, I'm not one for pda unless it's old people. I think old people. It becomes cute again.

[B]

I agree. Like a little.

[A]

Like a little hold hand. A little smooch.

[B]

Yes.

[A]

You know, I think any kiss lasting longer than five seconds where other people can see you is a little much.

[B]

I'm with you. I think that's fair.

[A]

You get a five. You know what?

[B]

We don't need it.

[A]

If they're leaving for a long time, I'll give you an extra five seconds.

[B]

Especially if they're part of the armed forces and they're leaving on deployment.

[A]

You do what you want.

[B]

Break my heart. Oh, my God.

[A]

If you're in uniform, you know, cry is.

[B]

Yeah. Veterans. Older veterans for, like, World War II coming off a Southwest plane.

[A]

Oh, yeah.

[B]

It's been a yes. And everyone stands and applauds them. Oh, George, that is weepy. I get weepy.

[A]

I mean that. I don't know if anything could be more patriotic. I will say, like, for some reason, like, teenage, like, high schoolers, when they're, like. They're innocent love. There's something sweet about that.

[B]

Okay. I was gonna say, but you know

[A]

what I mean, when you're like, oh, I remember those days. Not that I remember. I wasn't, obviously.

[B]

I guess. So no one was dating, but same Side of the booth. Yay or nay?

[A]

Here's my. Here's my rule.

[B]

Okay.

[A]

If the table is so big that we have to. We can't, like, grab each other's hand across the table. That's too big of a table. Okay, we'll do same side.

[B]

Okay. Okay.

[A]

Or if we're gonna share like.

[B]

Or if you're a horseshoe. Horseshoed booth. Oh, both on the. On the end. Right. So you can look out at the restaurant and talk about people.

[A]

So once both at the end versus, like, scooting to the middle of the horseshoe.

[B]

Yeah, we go middle horseshoe.

[A]

Yeah, that makes sense.

[B]

Okay. Okay. But same side booth at Chili's. I just can't.

[A]

Oh, how about this square table? Do you sit across from each other or do you catty corner?

[B]

We catty quarter.

[A]

I like a caddy corner because we're a catty quarter. We like to share bites and things too, so that's fine.

[B]

And again, we got to be looking

[A]

at the restaurant and truthfully, don't love just like, staring across at someone.

[B]

Your wife.

[A]

I just. It feels too. It's just like, there's still personal space.

[B]

That's fair. Okay, we're off on our tangent, but that was fun. That's good.

[A]

Well, this is about public displays of transaction.

[B]

Oh, so not pda. The transactions.

[A]

Yeah. I just don't like it. And that actually bothers me much more than pda.

[B]

When you see couples venmoing each other married, that's the ticket. Couples. Could you imagine Winston Cruz having the audacity to Venmo me?

[A]

That might be the last time with,

[B]

like, a Starbucks or. What are you doing, you fool?

[A]

I'm trying to think of the scenario in which that would even make sense.

[B]

Well, when you share an account, I would think that probably doesn't happen because it's all coming out of one place. Because if I Venmo you, you put it from Venmo to bank account.

[A]

Yeah, I have the same bank account.

[B]

So that makes me think that you're both separate bank accounts. And someone pays certain bills. Some pay certain bills. And if they cross, they gotta be evened up.

[A]

But then you have to think about the scenario in which one spouse said, yeah, I'll got it. Just Venmo me. Like, casually asking the person that you procreated with to like, I could not. I'll spot you, but make sure you get me back.

[B]

Now, I could not imagine. And we'll keep it family friendly. But then you go home and you're exchanging all things, but you're gonna Venmo.

[A]

Yep.

[B]

Do you know what I'm saying? Like crazy.

[A]

That's your line.

[B]

That's your line. So crazy to me.

[A]

I don't understand it. I did pull up your Venmo to see. I noticed one thing. You have 11 friends on Venmo. Like, how is that even possible that you have no friends on Venmo?

[B]

I don't do friend requests. People try to request me, and I'm

[A]

like, you accepted mine, which I appreciate. I would have been pretty perturbed if you didn't.

[B]

Yeah, I don't do. Yeah, yeah, yeah.

[A]

Well, at some point, you decided to stop making your feed public. But there's a good six transactions here.

[B]

The pre.

[A]

Public Rachel on Venmo, that I want to. I want to let you know. Happened. See if this jogs your memory.

[B]

What year would this have been?

[A]

This was all 2018, from February to May.

[B]

Oh, my gosh.

[A]

So I think you turned off before I had Charles. The private setting.

[B]

So I had Caroline. Caroline was 1 years old.

[A]

And to be fair, some people were paying you, and there was only three where you paid them, so. Half. It's half.

[B]

Half.

[A]

Your sister Denise paid you for flowers on February 13th. I assume that's a Valentine's Day.

[B]

February 13th. Yeah.

[A]

Okay.

[B]

Yeah. But I don't know why Denise.

[A]

You then paid Denise for bathing suit emoji plus two blonde girls. What is that about? Because you don't have any blonde girls.

[B]

Emoji and two blonde girls. That was, I bet, for Amelia and Caroline. Or, I'm sorry, Amelia.

[A]

Swimming lessons?

[B]

Lydia? No, we got the matching swimsuits for a beach trip we did when they were little. And Emelia was light back in the day. She's not as. She's brunette now, but she was light when she was little.

[A]

Maybe you didn't know how to change the emojis to different hairstyles.

[B]

I bet they couldn't be changed in 2018. That's how long ago that was.

[A]

All right. Mary Ellen paid you for pizza and a movie.

[B]

Okay.

[A]

You paid Tyler for a baby shower.

[B]

That was Chelsea. Yes. We threw a baby shower. Yes. So that was a shared Venmo.

[A]

But then it gets more intriguing. Chris paid you for Flamingo pool float.

[B]

When was it? Give me a date.

[A]

April 1, 2018. April Fool's Day.

[B]

April 1. So we do a cruise beach trip every spring break, so March. And I bet we went to, like, Target or something about a bunch of pool floats. And I probably bought a bunch, and then he's paying me back.

[A]

That makes Sense.

[B]

Okay, I'm making fun of it.

[A]

Finally, we have the mermaid emoji from you to Your sister Denise. May 28, 2018.

[B]

Another mermaid.

[A]

I rest my case, your honor.

[B]

A mermaid emoji. What was the date?

[A]

A lot of water related activities for you. This is crazy.

[B]

I love a beach.

[A]

Flowers, pizzas, pool floats. What a life.

[B]

What a fun life.

[A]

Sum up your life.

[B]

That's a pretty.

[A]

And that's just six transactions. I think you turned it on private after that, which I appreciate.

[B]

Okay, well, the emoji mystery emoji is funny. So our wonderful writer Sav created a new game that there's going to be three emojis and we have to come up with a scenario, each of us individually of what we think those emojis are. We just make it up. Okay.

[A]

This is like emoji improv.

[B]

We got 20 seconds and we get to rate how well we did one to ten.

[A]

Okay.

[B]

Maybe the team can rate us too, so we can get an even amount. Okay, I'll go first. It's a fire hydrant, a tooth and a mermaid.

[A]

That's not a hydrant. I know it's small. To be fair. She has bad vision.

[B]

Fire extinguisher and a tooth and a mermaid. Okay. I'm gonna say that one of my kids tooth got knocked out. All right. When we were cleaning out the pantry and we have a fire extinguisher and it fell off the cabinet, hit the tooth. And in order to have like the tooth fairy come later, which was the mermaid emoji, we had to make sure that the dental repair was good and our friend was there and so actually paid the deposits and had my purse and so I'm paying them back.

[A]

That was good.

[B]

I'm convinced the mermaid was the tooth fairy, but I didn't know the fairy emoji. The old mermaid fairy replaced it with the old mermaid fairy.

[A]

That's great. Okay.

[B]

But we had to get the tooth back so that the tooth fairy would come. What do you think? How good was that, George? That was pretty creative.

[A]

I mean, it had a twist and turns. Friends became enemies, enemies became friends. It was wild, wild ride.

[B]

What do you give it?

[A]

All right, I gave that. I'll give it an 8 out of 10 for creativity.

[B]

Wow.

[A]

Okay. Because truthfully, that was a really hard one.

[B]

Okay, thank you.

[A]

I would not have been able to come up with anything.

[B]

Okay. I did it.

[A]

All right.

[B]

Okay, you go next, George.

[A]

Okay. I have the I've got the party hat emoji.

[B]

Love that one.

[A]

When they're blowing what's that thing called? The little party favor. We know what sound it makes. I can't think of the name. Then a spider emoji followed by an orange. Is that an orange? Oh, I thought it was a pumpkin orange.

[B]

It's an orange. Go Big orange. That's what I use for my UT during football season.

[A]

Perfect. Okay. Okay, Go. I'm throwing a huge party for Halloween. You guys are invited. Cruises are coming over. I want it to be spooky, but also football themed because we're gonna watch the big game. It's a big game.

[B]

And it. And it falls on Saturday.

[A]

And it falls on a Saturday. So we've got Go Big Orange, hence the orange emoji. And I'm definitely getting pizzas. Didn't even include the pizza emoji. That's a bonus for you.

[B]

Oh, my gosh.

[A]

Papa John's.

[B]

That was good. Yes. I love Papa John's.

[A]

This sounds like a party you would want to attend.

[B]

It actually sounds really fun. I'm gonna go 7 out of 10. It just didn't have the umph that I needed.

[A]

Yeah, well, there was no plot. There's not, like, a lot of twists and turns there.

[B]

Yeah. You gotta give me a good story.

[A]

Nobody was injured.

[B]

Yeah.

[A]

No money was exchanged.

[B]

Yeah. Cause who are you venmoing?

[A]

Everyone's venmoing me.

[B]

Oh, for the party. Yeah. Cause you're like, I cannot just host.

[A]

I went all out.

[B]

I expected to be paid.

[A]

I went to Party City. That's the level.

[B]

Party City's out of business.

[A]

Are you serious? What am I gonna do? That's where I got all of my decor for all of my parties. I guess Spirit Halloween will have to pop up and abandon raw stress for us.

[B]

I can sit out of business for, like, nine months. Which means you had no parties all year.

[A]

No. To be honest, if I've ever been in Party City, it was against my will, and I did not want to be in there.

[B]

I loved Party City.

[A]

There's always balloons getting blown up, and I don't like the sound of.

[B]

It's a lot happening. I'm surprised it went out of business. I don't like it. It was always packed.

[A]

You know, the squeak of a balloon.

[B]

Yeah.

[A]

It's triggering for me.

[B]

It's a lot. Okay, all right, next scenario. Oh, my cheese. Okay, we got a thing of yarn. What'd you call it? A spool.

[A]

A spool.

[B]

Spool of yarn. It looks like a ticket to wherever I decide to make up in my story.

[A]

A school ticket.

[B]

And then A magic eight ball.

[A]

Or is it a. It could be a pool. Oh.

[B]

Oh, yeah.

[A]

I went magic able, But I thought the same thing. Either way, we don't know.

[B]

Or a pool.

[A]

I'll let you go either way with that one.

[B]

All right, here we go. We went and saw the real Cinderella at the movie theater with Amelia and Caroline and six of their friends. And they all decided after to go make their dresses. Make dresses like the little mice t. You know what I mean? In Cinderella. So I went. But I had a Magic 8 ball to be like, are we really gonna do it or not? And me and the moms were like, I don't know. What does it say? And we shaken. It said, of course. So we went. But I paid for everything, so they were paying me back.

[A]

Wow. What a fun, creative idea this is. A new mom hack is you bring a Magic 8 ball, and it's like the kids all have ideas, and whoever gets it to be like, absolutely. They win.

[B]

Yeah. What do you think about that?

[A]

I love that. I'm gonna give that a nine out of ten.

[B]

Yes. George, you're so generous. Thank you.

[A]

All right, last one.

[B]

Oh, this is funny. This is good.

[A]

Oh, this is perfect. Okay, there's an ice cube emoji followed by a microphone emoji followed by a yoga emoji.

[B]

Yep.

[A]

So here's what happened.

[B]

Okay. What happened?

[A]

This was my birthday party.

[B]

Oh, okay.

[A]

And I decided all the dudes were gonna do an ice plunge.

[B]

Cold plunge.

[A]

Yes. Little cold plunge.

[B]

Yeah.

[A]

Followed by karaoke. And we're gonna end the night with some hot yoga. Really? Just loosen up, get limber after a couple of drinks and karaoke. And boy, oh, boy, what a time we had. Just four of us. Guys, listen, just because you can't sing

[B]

doesn't mean emoji to emoji to emoji. And just name them off.

[A]

Yeah. It's a sequence of events.

[B]

I don't know why. I was bored.

[A]

It's not a party you would want to go to.

[B]

Yeah. George, I'm so sorry. I think I gave you a six. I think I won.

[A]

I should have rated you poorly so I could have won.

[B]

No, you did better. I'm kidding. That was fun. Listen, when we do talk about, though, the whole Venmo being public. Right. We are very big on financial transparency, though, and. And we host a show all the time with couples specifically that, like, hide money or have accounts that they just found out about or, like, whatever. Right? So we are all about financial transparency, but also, we know that money is very personal. To you in the outside world. And so there's a time and place of what you share and what you don't with those outside of your family.

[A]

And if you and your spouse are actually out there paying each other back for lattes or dinner or whatever, you're going to end up on Rachel's prayer list. Among many highly love celebrities.

[B]

Love them.

[A]

So maybe you're in good company, but either way, it's. It's not on the right kind of prayer list.

[B]

No. And if done something wrong. Yeah. And I would say for all couples, but especially if you lean that way, Check out Every dollar. It's our budgeting app, but it's a great way to get two people together. Right. To agree on, like a household budget. That's the key. Instead of thinking of like individualized money, it's like, hey, this is our household. And how can we most efficiently run our household together as two adults who have chosen to get married and spend their lives together? Right. But everydollar is great with that.

[A]

And it's private. Although maybe we should launch a public budget edition.

[B]

Now. That would be interesting.

[A]

Put your business out there.

[B]

That would be funny.

[A]

All right, let's continue this rant party. Respectfully, it's judgment, but it's fun and lighthearted. Okay. Don't me. Our team has pulled more public financial flex scenarios. I love it. Things you're doing in public on the Internet to go. Is this a flex or is it well intentioned?

[B]

Yeah, kind of like a flex. We'll see. But before we dive into that, though, I think a major flex is if you were head to toe in all Cozy Earth, because Cozy Earth products are just. That just says something. And you know what? It's quiet luxury. You don't even know it's Cozy Earth because they don't got it printed everywhere. Right. But if you know, if you know, you know, if you know, you know, as the kids say. And that is. It's big, though. Quality in its perfection.

[A]

I got some big compliments from my wife. I wore the first layer lounge set.

[B]

Yes.

[A]

In this kind of nice, really nice blue. And she was like, what is this number?

[B]

She said, get me this, George.

[A]

It has that material where you just want to feel it. Yes.

[B]

Oh, it's so soft. It's soft.

[A]

And I just gifted my brother their everywhere pants and the joggers so that we can match. Now look at you. Which he doesn't like that part. He has no control of it, bro. And bro, when he visits me, we're going to be decked out in cozy earth.

[B]

I love it. Yeah. So whether it is the clothes, the athleisure wear, the socks, the sheets, the blankets. I mean, towels. We could go on and on and on. Cozy earth is where it's at. And they have a great discount.

[A]

Yes. You can give the gift of everyday luxury to yourself or people you love. Just go to cozyearth.com smartmoney and you'll get up to 20% off. We'll also drop a link in the description to that and you can fill out the post purchase survey. Let them know Smart Money Happy hour sent you. We'd appreciate that.

[B]

All right, let's go. Example number one. Is this financial flex, cringe, or cool? The debt payoff journey posts on Facebook. Oh, what would you say? I think there's cringe or is that cool?

[A]

There's a level of humility to it that I think is. It doesn't feel like you're flexing when you're like, hey, we're in crippling debt and we're making an attempt to get out.

[B]

You know what I mean? Yeah, totally. Totally.

[A]

They're not bragging about the debt.

[B]

Yes.

[A]

They are trying to probably get some accountability, maybe inspire some other people along the way. And I think there's something sort of freeing about putting it out there to know, like, you're not alone.

[B]

Yeah.

[A]

Other people are on the journey, too.

[B]

Yes. Yeah. I think there's definitely, like, an empathy plague. So I think more people in your life than you realize relate to that, but no one talks about it. So when you put yourself out there, it's probably a little vulnerable. Be like, hey. But knowing that, like, people probably relate. And I think it's all in the caption, you know, like, if you're just like, oh, my hubby and I just paid off $300,000 in four months. We're debt free. You know, it's like, oh, dang, y'. All.

[A]

That's true.

[B]

Either sold a million dollars or make a crap ton of money or something. Right. But, like, the journey aspect of, like, yes. We've been working hard. Here's our heart. The vulnerability of, like, we were in a place that we didn't like and we were stressed, and now we're choosing to do something different. Seasons of sacrifice. Right. You kind of like paint the whole thing. I think it's. I think it's great.

[A]

Yeah. Well. And the context matter. Great place for this is the Ramsey baby steps Facebook group.

[B]

Oh, yeah.

[A]

Because there's, like, hundreds of thousands of people and it's so normal to share your wins, your struggles on there versus just publicly to people who, you know, know you as an acquaintance.

[B]

Yep.

[A]

But I'm still for this, especially Instagram TikTok accounts that are specifically for that where it's like follow along.

[B]

I love that.

[A]

Here's our goal, here's what we're doing. I think it shows people the reality of it what you makes the sacrifice a little more attainable.

[B]

Yeah, I agree. Okay. I'm going to go more cool on this.

[A]

Yeah. Eileen.

[B]

Cool. Yep.

[A]

All right, the next example. Financial flex Cringer Cool loud budgeting trend on Tik Tok. Now there's a range to this. Like if you're watching an influencer share that they bring in $20,000 a month and that might feed your comparison spiral. Like that's not a good thing.

[B]

Yeah, that's fair.

[A]

Cuz I see some of these posters like here's how we budget as a family of four for, you know, $18,000 a month. They're like, okay, well this is now unrelatable. You know, it feels like it has to be low enough that you couldn't be bragging.

[B]

Yes.

[A]

If you're gonna talk about that's fair. How much you're budgeting. But I love the, you know, even the like envelope stuffing.

[B]

Yes. I was gonna. That's what I thought of when I heard loud budgeting. I don't know, I went to the videos of like, yes. Stuffing the envelopes. Right.

[A]

Like here's how much I have for food, gas, groceries.

[B]

Yeah, I like that. Yeah. The loud budgeting. I may be a little old school on this of like it does feel a little strange. I know I'm on a show that we ask people their budgets every day and they tell everyone but like. But to put on social media your specific income,

[A]

that's a next level transparency.

[B]

Yeah. It's just. I don't know why I'm like, it just. Not that it hits me weird enough that I like, I just, I'm a little bit more old school where I'm like, I just don't know if that's anyone's business unless you're teaching someone how to do it, but just doing it to do it right would feel a little cringe to me.

[A]

Yeah. And we ask, I mean our debt free screams on the stage. We ask them, what's your household income?

[B]

100%.

[A]

So there's context for the debt payoff journey. Because otherwise you're like, well, were they making $150,000 or $40,000?

[B]

Sure.

[A]

Yeah, that drastically affects the transformation 100%.

[B]

But loud budgeting, specifically, when I hear that, that's like you're going through every line item of your budget. So I guess unless you're using it for a teaching tool, part of me is like, okay, Sarah, cool, right? Like, I don't know.

[A]

Cool, Sarah, I don't know.

[B]

Does that make sense?

[A]

So there's a range of what these videos are.

[B]

It's a range. Okay, so, but more people that do loud budgeting are trying to teach content. Right? Would we agree with that?

[A]

Yes. And they're definitely like anti debt. They're all about intelligence.

[B]

Okay, okay. So that I'm going to say cool.

[A]

Yeah.

[B]

In that vein, I'm going to say,

[A]

I'm sure there's some cringe ones out there, but as a pie, I'm going to go, this is a cool, beautiful trend.

[B]

All right, next, net worth milestone posts on LinkedIn.

[A]

Oh, gosh, are these real?

[B]

A net worth milestone

[A]

again. LinkedIn feels like not the place. So I think LinkedIn as a specific channel and platform. Not into that.

[B]

I'm gonna, I, I'm gonna say more cringe. Now we have like baby steps millionaires, right? There's a whole book on it.

[A]

Yes.

[B]

And people come to us on like, if they come watch the show and they're like, we're baby steps millionaires. They whisper.

[A]

They're like ashamed. They don't want to make a scene. They're very nice.

[B]

Dave's always like, tell everyone. And I'm like, I don't know if people want to like, because at that point I don't. What does that do to tell everyone? Right? Like, and again, if it's your close friends or people know you're on a journey or like, again, plug you into the weird Ramsey solar system of life.

[A]

Like, oh, I like that. The Ramsey solar system.

[B]

We understand it, right? Like, we're like, we celebrate those things. It's what we do. So it doesn't feel weird to me when people say it to me because of what they've accomplished, but just out there on LinkedIn.

[A]

Yeah.

[B]

Little weird.

[A]

Sorry. I'm so distracted now thinking about who would be what planet. I'm like, is Dave the sun? Everything revolves around him.

[B]

Oh, my gosh.

[A]

Is that how it works?

[B]

How many moons do you have, George?

[A]

Yeah, I wanna know. I feel like Rachel's got a few rings. She likes to accessorize, but she's also tasteful. She's not gonna be a. I feel like Deloney's a Jupiter. He's like, A. Just make it big, bro. Make it huge. You know what I mean? I don't know.

[B]

It's good.

[A]

You could be a Venus.

[B]

Oh, thank you.

[A]

Sounds tasteful.

[B]

Yeah.

[A]

Jade could be a Saturn. I feel like Saturn's really cool and it's got that.

[B]

She's got a cool factor. Everyone wanted to be Saturn. Like, wanted a Saturn. Like in the.

[A]

When you did your shoebox, just say I'm Pluto. I know you are just saying I thought it.

[B]

I thought it.

[A]

Small, often forgotten. Is it even a planet? I get it. I'm lucky to be a moon in your orbit, Rachel. Oh, that was fun.

[B]

You're a sweet George. Good friend. You're a good friend.

[A]

I wasn't trying to be nice.

[B]

You're a good friend. Oh, my God.

[A]

Yes. Back to the trend at hand.

[B]

Yes.

[A]

I do think the milestone one, like I share my story of going from negative net worth to baby steps millionaire. Following the plan.

[B]

Yeah.

[A]

But I do it. I hope it doesn't come across across brand context, though. Yes. It's like in a bio or I'm trying to convince someone that it can happen for them too. It's never out of context at a. At a party.

[B]

Yeah. Maybe I'm being so hypocritical in this game where I'm like, when we do it, it's fine.

[A]

Well, if you're teaching financial content, you want to know that someone's actually walked the talk. So I think it's different in that regard versus an average Joe on the street.

[B]

I know, right?

[A]

But I still think the Ramsey baby steps. There's actually a baby steps millionaires group as well. So I think those groups, like when there's the context. So we have shared context.

[B]

Yes, that's it. It makes much more sense versus just something like, I'm a millionaire.

[A]

You just post that on Instagram. I'd be like, okay.

[B]

And I will say this. Maybe I'm being. I'm probably so. I don't know. I'm throwing off on this whole episode because of who I am. My conscious is like pulling me all directions.

[A]

You're a good person.

[B]

No, because I'm like, baby steps millionaire means I worked a plan and I'm biased. But it's like, oh, actually healthy plan. That's like not like get rich quick. Like you've done a lot of hard work.

[A]

It's implied. There's no trust funds.

[B]

There's a lot of hard work. You know what I mean?

[A]

Like it wasn't handed to you. Like you were self made.

[B]

Yeah. So when I see like, net worth on here. When that was the scenario I went to, like, Brad being like $3 million in equities. And you're like, well, to be fair,

[A]

you've said on this show multiple times you're not a fan of net worth as a measurement.

[B]

That's right.

[A]

Like as a focal point.

[B]

A focal point. Not my favorite, but okay.

[A]

It's not my favorite.

[B]

Oh, my gosh.

[A]

That's a Southern way to say I ate it.

[B]

That is so hard. Not my favorite. I know. So to be a baby steps millionaire, though, you do have to be intentional. And it's important for anyone, whether you are a baby steps millionaire or not, to be intentional about where you bank.

[A]

That's true.

[B]

And that's why we love.

[A]

It's a make or break.

[B]

Fairwinds Credit Union, y', all, they are the best. Honestly. There is a great smart bundle. So you get a no fee checking account. You get up to 10 high yield savings accounts, and then the Ramsey Beware debit card. And Winston and I were just talking this weekend because our kids are getting money and we're trying to teach them like, don't spend everything because they've been so young. So we're like, you know, we're kind of flexed with it. But it's to the point now where I'm like, no, especially Amelia. We need to like, tighten up. And like, actually she needs her own savings account. And Winston was like, doesn't fair winds have 10 options, like, on our account?

[A]

Oh, yeah.

[B]

That we can add like an a.m. yeah. An Amelia line and then an account. Yeah. So we're going to open up. Yes. We're going to have a couple of high yield savings accounts.

[A]

That's so fun with it.

[B]

I know. Which. They make it so easy to do it. That's why I love it. So they're wonderful.

[A]

And like people, if you haven't used a credit union before, I love it because they are really focused on their members. They are owned by the members versus shareholders on Wall street. And so they're going to treat you like a real person. Their customer service is amazing. I've actually talked to them on the phone. That's incredible.

[B]

No, they call.

[A]

They call you when you make an account. It's so wild. So check it all out. Go to Fairwinds.org Ramsey to learn more and just kind of add it to your banking mix. I'm not telling you to, like, you have to make the switch tomorrow and switch everything over. I know that's some work. But once you get A taste of what real banking should be. You're not going to go back, so go check it out. We'll drop a link in the description as well.

[B]

All right, Example number four, George baby's first car post from dad on Facebook.

[A]

I don't think baby should be driving a state that's legal.

[B]

So I guess this is like when your child gets their first car and they post their kids first car.

[A]

Oh, that's true. It's never the kid posting it. It's like the parent posting the kid next to the car.

[B]

Yeah. Which makes me assume that the parent paid for it and then is flexing about the kind of car that they paid for. Right.

[A]

Well, especially you can tell if the kid paid for it based on what car it is.

[B]

That's. That's my, that's my play. I want my kid pulling up in a Honda Civic.

[A]

I can't wait to see if they end up driving.

[B]

And they. Emilia and Amelia does. She wants like, she'll see it. She'll see like an older car. She's like, I think I'm in that kind of car.

[A]

I was like, wow.

[B]

Yes, girl.

[A]

She's not. Nothing alluring about the fancier car.

[B]

Wouldn't it be. Isn't that kind of like an awesome, humble brag?

[A]

Like if your kid is like, you

[B]

see a family and you're like not saying we're this but like, you see a family and you're like, oh, yeah, they probably could do. They probably like could buy a nicer car for their kid, but their kid's not driving because they chose not to and the kid probably had to pay for part of it. Isn't that like a cool. I don't know, when I see that

[A]

happen, I'm like, it shows some like self control. It's a little subdued. Maybe that's little stealth wealth, quiet luxury.

[B]

Yeah.

[A]

You don't need to flex.

[B]

We don't need to flex.

[A]

Cause the car is not for the kid. Like, I do these man on the street interviews and I talk to these parents who spend 30, 40 grand on their kid's car because they say, well, I want her to be in a reliable, safe car.

[B]

In a safe car.

[A]

Can't have her out there in a death.

[B]

I do think 16 year olds care though.

[A]

Oh yeah. It's all about what your friends are driving too.

[B]

Yes.

[A]

If you're the only one driving a 15 year old car and your friends all have brand new Jeep Wranglers, it's gonna. You'll feel it. I feel it now with my Daughter driving around the little toy Jeeps.

[B]

Oh, yes.

[A]

Yeah, we have like, the, you know, no name Amazon brand, and they have like the Jeep Wrangler. They have, like, Range Rover, little toy. Oh, yes. Like, this is crazy.

[B]

Yep. Have that same attitude. I think that's good.

[A]

So you gotta keep up with the Joneses, even the baby Joneses.

[B]

So.

[A]

Yeah, I don't like that. I would say these land mostly in the cringe category, depending on the caption.

[B]

Yep. I think the caption's important, but if you're like, hey, he paid for half of his car, or he paid for his car. I'm so proud of him.

[A]

There we go.

[B]

I flex that all day.

[A]

Next up. Oh, this is really a great step up from the baby's first car. The we just bought a home post on Instagram.

[B]

Okay. All right, give me more context. What's going on?

[A]

Well, number one, you have like the key picture where it's like the folks on the key. We did a thing. We did a. Then you have like the. These ones. I. Okay. These ones, I don't know why are cringe. I just don't like them. But, like, you're in the closing title office and you have like a sign with a key and you're like realtors next to you.

[B]

Okay. Doesn't bother me as much.

[A]

It just feels there's, like the photo ops.

[B]

I hear you.

[A]

I'd rather be authentic, like, you do whatever post you want to make.

[B]

Okay.

[A]

That's all.

[B]

Yeah, yeah, yeah, yeah. I'm hearing you. Okay. I'm just thinking through. I don't mind it as much. I don't think. Okay. Would you rather see a picture of the house and they're like, I like

[A]

to see a house.

[B]

You do?

[A]

Yeah. I think it's more exciting than your realtor, no offense to your realtor and like the, you know, Brenda at the closing office. But I don't know.

[B]

I guess that's true.

[A]

It feels a little more real.

[B]

Okay, that's fair. That's fair.

[A]

I sometimes use it encouraging and fun, especially if it's someone I know and I know the journey they've been on.

[B]

Yeah.

[A]

Because we also know how hard it is to just buy a freaking house in 2020.

[B]

Totally, totally.

[A]

Yeah. I'm like anybody that does it.

[B]

I don't. I've seen them and I don't get my. I don't feel a reaction.

[A]

You feel nothing.

[B]

I feel nothing with them. So I'm gonna say, cool. They don't bought. Yeah. I don't get like a Reaction. I get a more reaction with cars than I do houses.

[A]

Yeah. Well, I will say the bigger. The bigger and fancier the house, the more you're like, okay, okay.

[B]

That's fair.

[A]

Okay, Kyle. Like, you guys really paid for that.

[B]

Yeah, Kyle.

[A]

Daddy paid half down for me. You know, have you seen those posts where it's, like, actual advice? It's like, you gotta grind. You got to sacrifice. Like, here's the steps. And then, like, step nine is like, have a really rich dad.

[B]

Oh, yeah, I know.

[A]

Have rich parents who fund everything just, like, tucked in there. That's great. Yeah. I would. I would check the motivation, you know, Read the room.

[B]

Read the room.

[A]

But otherwise, I'm not mad. I'm sure I maybe posted when we got our first home. Especially the first one. That one feels, like, really special.

[B]

Yes.

[A]

You know what? I like the goodbye post to the old home.

[B]

Oh.

[A]

Like, you were great to us. You know, I like those sweet. I like the grief when it comes to homeownership.

[B]

Give me the grief for George. He likes endings.

[A]

The memory endings. Made. Like, Whitney was very sentimental with our old houses. Cause, like, that's where she learned how to walk. And that's where we brought the baby home. And I just look at a box, I'm like, all right, onto the next box.

[B]

We're ready to leave.

[A]

Could have happened anywhere.

[B]

Yeah. Just happened here. Happen now.

[A]

That's great. She doesn't love when I minimize her feelings.

[B]

No, she. That's not George. Okay. Vacation dump on Millennials Instagram. Oh, no. I might be guilty of this.

[A]

There's some people in this room that are guilty of this.

[B]

A photo dump.

[A]

Our writer, Savannah. Now, I will say I have messaged her, but it is pure, like, living vicariously through her.

[B]

Wait, for what?

[A]

As someone who's not a single woman.

[B]

Yeah.

[A]

I'm like, yes. It's giving, like, feel the rain on your skin vibes. No one else can feel it for

[B]

you because Savannah does them.

[A]

Yeah. She goes on these amazing girls trips.

[B]

Yeah. And she does.

[A]

On these girls trips. And the girls are like, they're so great. They're so fun. I know most of them. Yes. And I'm kind of jealous. I'm like, this is a vibe.

[B]

Yeah. That's why I'm. Okay, okay. I'm with you. They don't bother me.

[A]

Yeah.

[B]

And in fact, I'll be honest, not to pat myself on the back, but especially if you know the people and know the family, you're like, oh, my gosh, I'm winning this. I want to see. Take me on your journey with you.

[A]

Yes.

[B]

I don't know.

[A]

Here's where it goes. Arai.

[B]

Okay, go.

[A]

The Instagram story, that's like, maybe 30 to 40 clicks through the Instagram story.

[B]

We need, like, a palatable.

[A]

Yeah.

[B]

Yes.

[A]

Story arc, like, you got to limit it. I'm going to go. I feel like 10 a day, max.

[B]

I love a vacation story. I love a vacation. I love following people on vacation.

[A]

You love vacation that much that if

[B]

I see someone on, I'm like, take me with you. Please post more. I'll come back to your page to keep up with what's going on. Because I like it. I do.

[A]

Yeah. I do like the food. I'm a. I'm a food guy, so I like to see the food, the drink, the ambiance.

[B]

Yeah.

[A]

I even like a shot with nobody in it. Just a nice scenic shot. Sometimes is present.

[B]

So beautiful.

[A]

Give me a little Santorini.

[B]

Yeah. I'm going to go. I'm going to go. I'm going to go.

[A]

I'm going to go. 80% of the time. This is cool here for it. 20%. It's like, all right, we get it.

[B]

And, you know, there was a girl. I don't even know who she is. Y' all probably people in this room may know. I don't even know it's a girl. She's got, like, a million followers on Instagram, so she's somebody. And she had this massive private jet on her bachelorette party. Anyways, that bachelorette party kept showing up on my feed, and I was hooked.

[A]

Oh, you were into it.

[B]

Oh, couldn't get enough. I was like, all right, ladies, what are we doing tonight? Where are you going? I liked it. Some influencer.

[A]

I don't know. I do feel like if there's a private jet involved, it's gonna just upset people.

[B]

No, but is that not fun to watch?

[A]

Sure. But I also love reality shows. Yeah.

[B]

Real Housewives.

[A]

Real Housewives of Beverly Hills.

[B]

Yeah. It's a small reality show that I get to watch on Instagram. I'm all about it, gals. Keep it up.

[A]

Well, I think the question is always, like, the threat already is like, who's funding this? That makes a difference. Like, how hard did you work to earn this thing?

[B]

Nope. No.

[A]

Versus it just.

[B]

No, stop it.

[A]

Look at my life.

[B]

I'm this. Give me this. On a vacation that I'm following on Instagram.

[A]

You never judge or question what's going on behind the scenes.

[B]

I really don't care. I want to see, though. I Want to watch?

[A]

You don't care who's paying for it?

[B]

No.

[A]

All right, you know what? That's actually very honest. I like that.

[B]

But you know what they all need to think about when they're posting online is their online privacy and safety. And that's why I love delete me. Because they go into data broker sites, remove your data. Cause your name, your address, your phone number, your kids names, like all of that is out there. And Delete me goes in and removes it so that your data's not sold. And then you're not up for, you know, some spams and phishing. Like all the threat of that happening less and less protect you.

[A]

And you don't have to be like a public figure for this to matter.

[B]

That's right.

[A]

Anyone can be a target and they can come after you if they have your data. And they will sell it for a profit. They're not scared. And so delete me goes in, removes your personal information from hundreds of these data broker sites. Delete. They keep it going. They have real data privacy experts behind the scenes all year long doing this to save you time and hassle. And they send you a report showing you what they've done, how much time they've saved you. And it's one of my favorite emails of the month because I have no hobbies.

[B]

Just see your hours.

[A]

That's what I'm looking for. Refresh, refresh.

[B]

Let me see, let me see.

[A]

So great. So check it out. You can get 20% off their annual [e-mail] SmartMoney all right, next example is

[B]

the GoFundMe for non emergencies. So my son needs new baseball gear, not the sudden medical diagnosis.

[A]

This is a big one. And I've seen some ridiculous ghosts. Have you?

[B]

Okay, I'm not in that. I don't see as much. What would that look like?

[A]

Well, think about like any, anybody's just life goal. They're like, well, maybe someone else will just fund this for me. You know what I mean? Whether it's education or I just want a thing, or like this is gonna help me in some way. But I do feel like health is the one that gets me medical. Yeah, or someone unexpected loss.

[B]

I'm gonna say someone passing.

[A]

Yes, Those are the ones that I've

[B]

personally given to 100%. 100%.

[A]

I can't think of anything else that's a GoFundMe that I've given to that isn't like.

[B]

It's not like college education.

[A]

No, it can't be a frivolous goal.

[B]

Yeah. Yeah, I'm gonna go cringe on that one.

[A]

Yeah.

[B]

Because it is. What this is, is for non emergencies.

[A]

Well. And it feels like, hey, there's people who really need this help right now. And you're just, like, making noise. Yeah. You're just making noise out here trying to get your baseball gear.

[B]

But to your point, on the other end of the spectrum, it actually is an amazing tool for the Internet that.

[A]

Like, GoFundMe.

[B]

Yes. Like, if you do have something like, serious. Right.

[A]

Yeah.

[B]

A sudden loss or something medical. Especially like with kids. Kids or something. All of it. Yes. I'm like, what a beautiful way for the Internet to be used to be. Like, hey, I. Yes. That this family needs help. And for people to actually tangibly be able to help, because you would never know.

[A]

Can I give you a great example? This happened. I got to be a part of it, which is exciting. So we do these man on the street interviews on my YouTube channel. We were in Charlotte. We talked to these two young ladies who are teachers special ed, and, like, they're paying for their own supplies. And so she mentioned her wish list, like, well, hey, like, send me the wish list. I'd be happy to donate to it. And, like, maybe I can put it in the description of the video. So we ended up doing that.

[B]

Oh, my God.

[A]

And it was. Everything on the wish list was gone within 30 minutes to where people are like, how can I give? I sent her a gift card. I didn't know what else to do. So she messages me in tears. Oh, interesting. And she's like, I've been sharing this with the other teachers. They are just, like, so amazed. And it was Teacher Appreciation Week.

[B]

Oh, sure.

[A]

And so she opened up a separate one of just, like, to contribute to all the teachers classrooms at that school. And people started giving to that.

[B]

Oh, my gosh, I'm such a good at humanity, y'. All.

[A]

It really made me feel good about the Internet and YouTube for at least a day.

[B]

Well done, Jordan.

[A]

Thank you. I mean, all I did was say. I mentioned it in the video, and then I, you know, made sure to

[B]

get the link in the description.

[A]

Yes. And then, you know, the audience came through. And so that was really. I was like, that's a good thing. It's not like a health GoFundMe situation.

[B]

That's fair. That is fair. But that's someone out. Yes.

[A]

Can we solve the problem of these teachers needing to buy their own supplies? I hope so. Let's get to the root of that. But in the meantime, let's all cover their wish lists.

[B]

I love that, George. Those made my day.

[A]

That was a good one.

[B]

That's so good.

[A]

Just remind me of that. Okay, next up, way less important to society, the Sephora Hall. Okay, that's a flex. Or in my case, the Costco haul. Or the Trader Joe's haul.

[B]

You love that.

[A]

The Aldi Hall. These are the videos that show up on my algorithm.

[B]

I'm gonna go. Cool. I don't get, like, a angry adrenaline happening when I see it.

[A]

Yeah.

[B]

If anything, I'm a little interested.

[A]

You wanna know what other people do? You ever look at people's carts when you're shopping? Especially when you run into someone you know at the grocery store.

[B]

Never.

[A]

You've never done that?

[B]

Look at their cart?

[A]

Yeah, I want to know what they're buying.

[B]

No, I'm conditioned. I'm conditioned. White. Winston always says, unaware of anything happening. He always tells me, babe, be conditioned. Yellow alert. Awareness.

[A]

Well, people must come up to you. Do they scare you?

[B]

I'm conditioned, White.

[A]

Do they scare you when they come up to you?

[B]

Who? People.

[A]

People in public. If you're shopping, you're out shopping.

[B]

No, but I'm not looking at them. I don't look at what they wear. I mean, they'll walk away, you know, not from, like a interaction from someone publicly, but it'll just be a scenario. And Winston's like, did you see her ring? I'm like, she had a ring on. No, I know. I don't even know I'm. I don't even think about that stuff. So unaware. So, no, I wouldn't even think to look. Now that you've said it, though. I will. I will. But, no, I don't.

[A]

I have like a. I say 15 concern when I'm out shopping about what's in my cart. And if I run into someone I know or someone that knows me, I

[B]

want to relief you from that.

[A]

What judgment am I going to get?

[B]

No, man. It's always people that judge, people that think they're being judged.

[A]

I don't know.

[B]

Be free of that.

[A]

I don't know what would be in my cart that I'd be ashamed of, though. You know what I mean?

[B]

I don't even think about that. Towards me, I was just. Because I don't judge people.

[A]

I was just at Sam's club this weekend and a woman came up to me and we were chatting charcuterie for a good 20 minutes.

[B]

Good for you.

[A]

She's also gluten free. And so we were talking about it.

[B]

Did you get nervous about what was in your cart.

[A]

I. Well, my cart was aside, so she didn't see the cart. Okay, but I wasn't. No, I wasn't. You know, it was for the kids. Everything's for the kids. Okay, but just be on yellow alert is what I'm saying. Head on a swivel.

[B]

Condition yellow. But I personally like that orange. If something has changed in your environment, you go orange and then condition red is there's action happening and I got. I gotta get out of here.

[A]

Has that happened?

[B]

Nope. Oh, I've never.

[A]

You said it like never been in red.

[B]

Never been in orange. Barely in yellow. It's only when I'm downtown.

[A]

Oh, down. Yeah.

[B]

Oh my gosh. Well, George, I think we all learn though your motivation of posting anything financial is big. But I also don't think it's your responsibility for what people take as your motivation because you're not going to be able to explain everything away. You know what I mean?

[A]

That's true. I mean that's the greatest example of posting your pool. You weren't trying to flex, dude.

[B]

Oh my gosh. Can I tell you, speaking of photo dump, I did a photo dump last month and I had a picture. I didn't even think about it in the pool. And I felt so known by y' all in the comments. So many like, oh no, how dare you post.

[A]

They were like joking about it.

[B]

Haha. Just kidding. Like they like made sure. That's amazing.

[A]

They knew they weren't actually upset.

[B]

I feel so known. Yeah.

[A]

Wow.

[B]

And I said it's for Jonathan. To Jonathan.

[A]

I will say I love seeing pics of your pool. I think it's a great pool.

[B]

Thank you.

[A]

I've got to like see it in person. And pictures don't even do it justice.

[B]

Here's a question. If it's a benign post, but it's a new. It's a house or the car. Right. Any of the scenarios we put in that we said cringe. Do you think it says more about us getting a reaction within ourselves about someone else's post?

[A]

We're looking for affirmation.

[B]

No, no. No other way. I'm saying when you see someone's post

[A]

new house, you have a reaction.

[B]

You have a reaction. I think it says more about you than them.

[A]

Yeah. 100. Well, number one, you can control. And me who know what you see. Like your algorithm learns. Here's what you're into.

[B]

That's right. That's right. Yeah.

[A]

It doesn't serve you up stuff to make you angry. You Sat with that rage.

[B]

Right.

[A]

And Facebook went. I guess they want more of this. Spend a lot of time in the comment section seeing what people were saying.

[B]

Yep.

[A]

I do think you. You control way more than you think when it comes to what you.

[B]

Yeah. And then also the discernment of what we put out to the world.

[A]

And I do think being authentic online and doing it in a way that's encouraging others. This all comes down to self awareness. How self aware are you when you're posting? What's the motive?

[B]

What are you wanting out of it? Yeah, all of it. Yep. I agree.

[A]

Which is a lot of effort to then think about the caption and who it's going to affect. So I don't want you to go overboard there.

[B]

No, we're right.

[A]

But I think just thinking before you

[B]

post, it's a self awareness.

[A]

The Internet is kind of forever. That's wise. There's a lot of wisdom there. And choose to unfollow people like Jonathan unfollowing Rachel after she posted her pool.

[B]

I know. It's okay. Jonathan, you come back.

[A]

I don't even know if he unfollowed. We didn't get confirmation.

[B]

I need to go look.

[A]

You know, you should have done said, hey, I'm gonna go ahead and block you just because I don't want to.

[B]

Oh, my God.

[A]

Cause you to stumble, Johnson.

[B]

That'd be so aggressive. I don't want to cause you to stumble.

[A]

Since pools are a big stumbling block for you.

[B]

All right, well, before we get to our guiltiest charge segment, what about the drinks? George?

[A]

This was the Sweet Georgia Peach smash.

[B]

I'm ahead of you.

[A]

Yeah, you were much further ahead. I'm gonna give this an eight out of ten.

[B]

I may go nine and a half.

[A]

Whoa.

[B]

I would order it. I liked it.

[A]

Yeah.

[B]

And the peaches are only gonna get better and better throughout the summer.

[A]

Oh, yeah, that's right. I think the ones in the drink right now. Because there are fresh peaches.

[B]

I know.

[A]

Are they fresh? We have confirmation. Not canned. The team really cares.

[B]

They do. Nothing wrong with canned peaches, but they're the best. I love it.

[A]

Fresh one.

[B]

Can't be.

[A]

All right, here's what's in it. Bourbon. I thought it was gin.

[B]

No, you what?

[A]

Okay, before, just to be clear, before we started this recording, I asked about the drink and I heard it was a gin and peach drink. And I was like, ooh, that sounds lovely. Gin and peach pair very well together. But so does bourbon and peach. This has bourbon, specifically Four Roses bourbon in this one. Lemon Juice, simple syrup, seltzer, water, and fresh peaches. $2.40 for this drink. If you want to try it at home, give it a shot. You got nothing to lose. You got a nine and a half over here. I think it was great.

[B]

It's really good.

[A]

I was confused by the flavor because the whole time I was like, oh, thinking gin. I'm looking for the gin. I'm looking for the gin.

[B]

Oh, no.

[A]

Yeah, it's okay. It was like Finding Nemo, but with alcohol. And I couldn't. Could not find it.

[B]

Oh, my gosh.

[A]

That was fun.

[B]

All right, now it's time for Guilty as charged. And this is where we ask each other a guilty as charged question every week. And if we're guilty, we take a sip. George, have you ever posted something that unintentionally triggered someone?

[A]

Every day of my life. Go look at the comments section on anything I've ever posted. Oh, George, There was one today, I think, actually. But I want to let you go.

[B]

Ladies first, I would say. Yeah. And the unintentional. Because sometimes we put out content that we know is like controversial or whatever. Right. But we know people are gonna not be happy with. But I did. I posted one. It was back in January, and it was a story. Cause one of my friends turned 40 and Nashville had a massive snowstorm. And then it turned into an ice storm. So it was snow, if y' all remember, for like a day and a half in Nashville, then turned ice. And that was like a two week long whole thing. Anyways, it was the morning of the snow, of the first snow, and it was her 40th, so we had to cancel everything. But we were like, let's still go out to brunch. And I'm friends with people that like, lived in the North, Chicago and stuff. So they're used to driving in snow. They're not scared. And so we went to brunch and we are having a good old time, George. Cause we're like the only ones in the restaurant. Cause everyone's like, in cause of the storm. And we are, yeah, you know, mimosas. And I don't know, we're just having a good old time celebrating, my friend. And I think I put a few pictures on stories of like, we're cheersing or Happy birthday, Ashley. You know what I mean? Whatever. And I got. I mean, I don't say a lot. Let's go. Eight out of 50 comments. Okay. We're like, who are you? You're so. The tone deaf thing, apparently. You're so Tone deaf people are, you know, out here, you know, suffering did it. And I thought, oh, my gosh, because of the. The snowstorm in Nashville, people are so mad. And then I looked on the news later that night and something terrible had happened politically. So in January.

[A]

But you were aloof to that.

[B]

I had no idea I was at brunch. I didn't know.

[A]

Well, you did. Are you supposed to, like, stay home and mourn?

[B]

I know. I don't know. That's the hard thing. That's the hard thing with us. Like, I know being in the world, I'm like, there's so many tragedies that are happening. I mean, when you look globally, it's constantly happening.

[A]

Yeah.

[B]

I can't keep up. So you know what I mean? So, yeah, keeping up with what everyone is passionate about at that moment. It was very sad what happened, but again, I was like, okay, well, sorry. I went to brunch when this was happening in another state that I didn't even know about.

[A]

I do think brunch is the most offensive.

[B]

The most triggering probably is we had to go early because we were gonna be snowed in. And by like, 4 o', clock, it was like, pile up snow. Yeah. So I don't know.

[A]

Wow.

[B]

I remember because I remember feeling like, oh, gosh, what did I do? But then I was like, rachel, pep talk to yourself.

[A]

Yeah.

[B]

That you are fine. You gotta live your life. You can't be keeping up with everything all the time.

[A]

Be more like Rachel. Guys, go to brunch.

[B]

What about you?

[A]

Yeah, this one was the freshest one because again, it happens every day. Just seriously, go look at any of my posts.

[B]

But unintentionally, like, what did you guys. That you were like.

[A]

So the team posted a clip from My man on the street in Nashville, where I tried to guess how much debt people had, which was fun. It was a good time.

[B]

Okay.

[A]

Really fun. I nailed one person's mortgage.

[B]

No way.

[A]

$310,000.

[B]

No way.

[A]

And they were like, yeah. And I was like, what do you mean, yeah? Like, that's exactly it.

[B]

Shut up. That's funny.

[A]

It was amazing.

[B]

Look at you.

[A]

Anyways, so one of these guys, who's him and a buddy said, hey, I want to flip this. I want to guess how much debt you have. I want to do the interview. And so I said, okay, this is fun. We were kind of like, let's see where this goes. I gave him the microphone. The team's still filming. And he, like, did a little interview with me.

[B]

Yeah.

[A]

And he's asking, hey, what kind of car do you drive? Is it paid off? And so I'm just answering honestly. And the team posted this. And these people are so angry in the comments thinking they're like, this is so staged. He's just out here trying to flex because he has a paid off car and he doesn't have any. And I was like, number one, this is not staged. You know how people do those kind of interviews. You're like, this feels like something they made someone.

[B]

Yeah, yeah. We're like, excuse me, sir. Excuse me, sir.

[A]

I think you know me. I don't want to be asked these questions. I do the asking.

[B]

Yeah.

[A]

That's why I have this job.

[B]

That's right, George. That's why you sit in that seat.

[A]

I would never say yes to a stranger on the street.

[B]

Yeah, right.

[A]

Asking me to be on camera. So anyways, I have upset a few people who thought this was staged because whatever.

[B]

Is the post still up? I'm gonna go find it.

[A]

It's still up.

[B]

Okay.

[A]

But, man, I thought it was fun.

[B]

You made them all, man.

[A]

And also, I was uncomfortable. I did not like being on the other side. And I like my body language. Like, I was kind of like arms crossed, like, a little bit nervous.

[B]

Oh, so now you see how it feels.

[A]

Yeah.

[B]

A little taste of your own medicine, George.

[A]

Did not like it.

[B]

Did not like it. Oh, my gosh. That's.

[A]

That's part of our jobs, though, is like, things are out of context. Things are clipped. You don't know how it's going to hit someone based on where they're at and what the.

[B]

If you choose to share your life to a degree, which I probably share more of my personal life than you do. Yeah, yeah. You're just. You are putting yourself.

[A]

Your personal life is fun to watch. Oh, I'll say that.

[B]

Well, thank you, George.

[A]

Nobody wants to see me handling my. My dogs, you know, got him back in his diaper, you know, again.

[B]

And then kids, dogs are still around.

[A]

They're young enough that I'm like, I don't know if I can post them.

[B]

I don't know. Yeah, yeah, yeah. I don't mind.

[A]

They're so cute. I have thousands of photos. People want to see them.

[B]

Yep.

[A]

But I don't. I don't know what the future holds.

[B]

I think that's fair. I think having certain boundaries. If you feel that sounds good. Well, if you have a guilty as charge question for us, make sure to DM us at Rachel Cruz and at GeorgeCamel. And make sure to check out our next episode. If you loved this one, which is out with the new, in with the old money and lifestyle trends, we will link it for you and make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.