Critiquing Your Spending Habits (and Ours) With Dr. John Delony

Summary

Smart Money Happy Hour — Critiquing Your Spending Habits (and Ours) With Dr. John Delony

Podcast: Smart Money Happy Hour with Rachel Cruze and George Kamel
Host: Ramsey Network
Episode Date: August 28, 2025
Guest: Dr. John Delony
Main Theme: An honest, lighthearted exploration of odd but real spending habits and the deeper motivations behind them, featuring financial therapy, pop culture hot takes, and plenty of laughs.

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Episode Overview

On this fun and candid episode, Rachel Cruze and George Kamel welcome Dr. John Delony—Ramsey Network co-host, bestselling author, and their on-air “best friend”—for a rollicking happy hour full of hot takes and deeply relatable, sometimes ridiculous spending confessions. Together, they unpack money decisions that seem like "common sense," reveal their own Amazon hauls, and examine relationship drama, all while keeping things honest and hilariously self-aware. Listeners get practical advice, relatable banter, and a thoughtful look at cultural shifts influencing how we spend, save, and relate.

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Table of Contents

1. Meet Dr. John Delony & Opening Banter
2. Why Common Sense Money & Relationship Advice Can Be Controversial
3. Building Work–Life Balance Amid Heavy Advice-Giving
4. Friendship Test: Who Bought This Ridiculous Amazon Item?
5. Petty Relationship Disagreements: Audience Submission Therapy
6. Rapid-Fire Headline Reactions
7. Guilty As Charged Segment
8. Notable Quotes
9. Key Timestamps

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1. Meet Dr. John Delony & Opening Banter

[00:05–02:03]

• John Delony joins Rachel and George, ribbing about nerves ("I haven't slept. This is a big show." – John, 00:55).
• Classic rapport: playful “beef” rumors, friendship hierarchy, and a Tesla story.
• Rachel explains the show: “Two friends who happen to be money experts talk about what you’re talking about—pop culture, current events, and money.” (01:26)

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2. Why Common Sense Money & Relationship Advice Can Be Controversial

[03:00–06:36]

• The group notes how “common sense” advice—like sharing accounts or living on less than you make—often “blows up” online.
• John shares the Dave Ramsey paradox:

  “We're telling people to live on less than they make and we've built all of this. And it was like on that, on that.” — John (03:34)

• Delony’s “hot takes”:
  • Sharing bank accounts as married couples (gets “heat”)
  • Being careful about kids’ sleepovers and tech use
  • "Snapchat is awful"—the myth of disappearing content

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3. Building Work–Life Balance Amid Heavy Advice-Giving

[07:11–09:36]

• Rachel references a recurring joke about wild calls on John’s show (“Sorry I’m late, I invited my ex-wife on our family vacation…”)
• George asks: How do you handle caller stress?
• John: “You have to have a counselor, you have to have someone to talk to because it just gets to be a lot. The stuff that doesn’t make the show, there’s a lot of tears behind…the board.” (08:21)
• He consults therapists, friends, even experts nationwide before tough calls. Sometimes he drives home in silence.

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4. Friendship Test: Who Bought This Ridiculous Amazon Item?

[09:40–15:03]

Hilarity ensues as John tries to guess who bought what:

• Exam gloves: George, for picking up dog poop (with a rake!); John: “I'm going to have a show on mental health forever.” (11:15)
• Moroccan Oil (travel size): Rachel
• Crock Pot dividers: Rachel, for accommodating dietary restrictions
• Ice cream bowl set: Rachel
• Cerave hydrocortisone (anti-itch) cream: George—for his dog.
• Waterproof blanket: George, again for his dogs

Running Joke: Most of George’s oddest purchases are for his dogs. Rachel self-identifies as “crunchy” and “granola mom.”

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5. Petty Relationship Disagreements: Audience Submission Therapy

[19:25–38:44]

Spicy Listener Petty Disagreements:

• $6,000 Mattress on 0% Interest
  • Group agrees: it’s about control, not money.
  • John: “When you have a quarter of a million dollars…you look for these little pockets of control.” (21:06)
• Returning Birthday Gifts
  • If gifts are seen as “unnecessary,” it's hurtful.
  • John: “That would break my heart if you were thoughtful and got your wife something…and she goes, ‘This is unnecessary.’” (22:43)
• $300 Crossbow for Hobby Hunting
  • Context is key: is it about trying something new or a pattern of fleeting hobbies?
  • John: “If you have a husband who sits around...and finally is like, 'I’m going to get outside,' cheer him on, man.” (29:36)
• Family Using Amazon Account
  • George: “Why are you allowing this behavior?”
• Still on Parents’ Phone Plan in Marriage
  • Rachel: “I think if he was on her family's cell phone plan, I think he would feel weirder about it.”
• Husky’s budget line higher than groceries
  • John: “No, your dog food budget should not be more than the human food budget.” (36:32)
  • Rachel and George defend pet expenses if budgeted.

Wheelchair Dogs Debate:

• Rachel: “If your dog has to go in a wheelchair, in my opinion, it needs to be put down.”
• George: (flabbergasted) “If you translate that into human speak…”

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6. Rapid-Fire Headline Reactions

[39:04–48:23]

• Sports Betting on the Rise
  • "Sports betting is a cancer.” — John (39:29)
  • All agree it’s predatory, especially with mobile apps and focused advertising.
• Singleness and Dating Market Shifts
  • “For the first time in history, women have the opportunity to opt out of an oppressive system. And they're opting out.” – John (43:21)
  • The problems of dating apps: filtering, rising female independence, changing standards, and the “paradox of choice.”
• A.I. Toys for Kids
  • John: “It will tell the kid [they're] wonderful...And it’s always delightful. It’s always on…It’s going to be a nightmare.” (49:30)

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7. Guilty As Charged Segment

[54:02–57:46]

Question: What’s something you thought was stupid until you tried it?

• John: Protein popcorn. "[Popcorn is] so good for, like...it's got good fiber. I'm eating this." (55:09)
• Rachel: Wireless phone chargers—total convert after mocking them.
• George: Pedicures. “I always thought...you have to get your toes painted. None of that. Imagine you leave and it you, like, are walking on a cloud because they gave you like a leg massage.” (57:29)

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8. Notable Quotes

• “We’re telling people to live on less than they make and we’ve built all of this...on that premise.” — Dr. John Delony (03:34)
• “We got so excited that we could, we never stopped to ask if we should.” — Dr. John Delony (citing Jurassic Park, 04:50)
• “Snapchat is awful. And it's this illusion for teenagers...that this is going to go away. Y’ all, on a server somewhere.” — John (06:14)
• “People get confused…when you host together.” — Rachel (02:37)
• “I would never say dog dad...but I would say they’re under my tutelage and care.” — George (51:28)
• “Sports betting is a cancer.” — John (39:29)
• “If you can filter, filter, filter, instead of meeting that person at work...now, like, all that’s gone.” — John (44:46)
• “Delightful John is only available for 30 minutes at a time.” — John (on-air persona, various)

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9. Key Timestamps

| Timestamp | Segment | |-----------|----------------------------------------------| | 00:05 | Introduction; Dr. John Delony joins | | 03:00 | The “common sense” advice conundrum | | 07:11 | Handling the emotional weight of advice | | 09:40 | Friendship Test: Who bought this on Amazon? | | 19:25 | Audience petty money disagreements | | 29:47 | Crossbow hobby debate | | 34:01 | Husky expenses > groceries? | | 39:04 | Rapid-fire headline: Sports betting | | 44:44 | Singleness, dating apps, and cultural shifts | | 48:23 | A.I. toys and child development concerns | | 54:02 | Guilty as Charged: “What did you try and love?”| | 57:46 | Episode wrap, Money & Marriage event invite |

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Memorable Moments

• Rubber gloves for raking dog poop: The group piles on George for his fastidious, if slightly absurd, approach to pet cleanup.
• Pet spending vs. eating: Sparks fly on the ethical limits of pet care (e.g., wheelchairs for dogs), with sharp disagreements and tongue-in-cheek outrage.
• Singleness & dating apps segment: A rare blend of sociological insight and personal humor, with John explaining, “I am the worst demographic for a dating app.”
• Sports betting consensus: All three emphatically denounce its rise and predatory nature.
• Alice from Dallas drink review: “Ten out of ten…almost as delightful as John.” (53:07, George)

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Overall Tone and Takeaways

This episode balances financial wisdom, cultural commentary, and genuine friendship, shifting easily from laughter to introspection to argument—and back to laughter. Rachel, George, and John each bring vulnerability and their signature banter, making the serious subject of money, relationships, and values approachable and honest.

Listeners will leave both entertained and provoked to consider not just what they buy—but why. And possibly to check their Amazon purchase history before coming on the show.

Perfect For: Anyone who loves money talk mixed with real-world humor, pop culture, and honest takes about life’s little (and big) financial dilemmas.

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Listen for:

• Wildly relatable (and embarrassing) Amazon purchases
• Honest takes on the psychology behind “petty” money fights
• Sharp critique—and rare consensus—on gambling and AI’s place in children’s lives
• Unfiltered debates about pets, relationships, and what it means to be “common sense” in a bonkers world

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This is your Friday permission slip to laugh about money—and learn a little too.

Transcript

[A]

This guy has done every podcast in the books, and now he's on your favorite podcast of all. Dr. John DeLoney is joining us for some financial therapy and cultural hot takes.

[B]

And I pulled my headphones off, so I was listening to some music, and I was like, oh, we're doomed. Because it felt good. Yeah, it'd be George. The two French bulldogs, a box of rubber gloves.

[C]

He's got rubber gloves. Like, don't worry about these.

[A]

What's something you thought was stupid until you actually tried it? John, go first.

[B]

Okay. I gotta set it up. Up, though.

[C]

Hey, guys, I'm Rachel Cruz.

[A]

I'm George Camel.

[B]

And I'm John.

[C]

And this is Smart Smart Money Happy Hour. Hi, y'. All.

[A]

Hi.

[B]

How we do?

[A]

Welcome, John.

[B]

What's up, guys? I couldn't.

[A]

You seem nervous.

[B]

I haven't slept.

[C]

What?

[B]

This is a big show.

[C]

Oh, you're. Oh, you didn't sleep because you're so nervous to be here. I know. It's okay. It's fine.

[A]

It's fine. You're gonna make it through.

[C]

It'll be good.

[A]

Have you ever gone hunting?

[B]

We're gonna talk about kind of like that. We're gonna talk about Rachel's peacekeeping. Everybody's gonna be okay.

[C]

Oh, I do. I will do that. But not always. Some people know.

[A]

Is that a threat?

[C]

That happened, like, 15 minutes ago. I didn't. Peacekeep.

[A]

I didn't. I was not here for that. I wish I was. Okay, well, hey, tell them what the show's about.

[C]

Yeah. So 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 first, before we get to it, let's talk about what we're sipping on. This is an Alice from Dallas. Ever heard of it?

[B]

Nope.

[A]

Get a clue.

[C]

But you're from Texas, so that's why.

[A]

We thought it was appropriate.

[C]

That was a good name.

[B]

You know how many times someone I say, like, I'm from Houston, and they're like, hey, do you know Dan? You're like, nope. Like, I don't know.

[A]

Texas is a fairly big place. It's not like a small town. Small town?

[B]

No.

[A]

Like, oh, I'm from this town of 40 people.

[B]

I don't know Alice from Dallas, but I bet she's great.

[A]

You're about to find out.

[C]

She's. Yeah, she's wonderful.

[B]

This is great.

[A]

We're going to give you the rating and reveal the cost per glass at the end of the episode. So stick around for that so like I said, we are pumped and honored to have our friend Dr. John DeLoney on the show. He's one of our Ramsey show co hosts, best selling author, speaker, host of the Dr. John DeLoney show, and most importantly, my best friend, George. Make that very clear. There's a running on the Internet. People think that we have beef.

[B]

Let's clear this up. Oh, no, we're best friends. Yeah. Yeah, we're best friends.

[C]

They think you have beef with like Ken Coleman or.

[A]

No, it's because John on air isn't nice to me. But then behind the scenes, he's super nice to me.

[C]

So people get confused, y', all, when you host together.

[A]

Yeah. Versus, like our relationship. You're mean to me when we're off air. Nice to me on it.

[B]

But let's. But hold on. I had to push your Tesla.

[A]

That's true.

[B]

Uphill, not in the snow.

[A]

Yeah.

[B]

And that made me less of one of your friends for that particular night.

[A]

I feel like we bonded.

[C]

Oh, my gosh. So, John, online, I feel like a lot of the clips that blow up with you when you talk about like relationships, marriage, all the things, some of it's like pretty common sense. And I feel like, George, sometimes when we put things out into the world when it comes to money, that we feel like it's pretty common sense. It like blows up.

[A]

Everyone take some heat for it.

[C]

Take some heat. But also it's like, I don't know, it gets a lot of views. And it's always interesting to me that common sense. Today you say something that's not in my head, like, mind boggling, but to other people, it's like, oh my gosh, they said it. Why? Why do you think that is? Especially with relationships and stuff.

[B]

The only thing I could think of is because I remember a conversation with Dave one time. It was in between, like, we took off the headphones on the Ramsey show and there was like an ad and he looked at me and was like, we're telling people to live on less than they make and we've built all of this. And it was like on that, on that.

[C]

Live on a budget. Don't get into debt on that premise. That's about it. Totally.

[B]

And like when I tell someone to share a checking account with a person they made a human with, or I tell somebody like, hey, you have more authority in your house than your travel soccer coach.

[C]

Yeah.

[B]

It's as though I'm like, you know what you should do? You should date your brother in law. Like, it's the strangest Thing.

[A]

Yeah.

[C]

Do the craziest thing.

[B]

I think it is. I think we've got countercultural.

[C]

It's like people are just like, swimming women.

[B]

I think we have reached a point where it's a strange little nexus of technology and culture where we don't have to ask, should we. We just have to ask, can we? And we just go do it without thinking about it. I'm haunted by that line from that. That very first Jurassic park movie probably came out before you were born.

[A]

I don't think I made it through Jurassic park without Jurassic park and all.

[C]

The others with Chris Pratt. So good. They're fantastic. They're pretty fantastic.

[B]

But they. That one guy says, we got so excited that we could. We never stopped to ask if we should. And so I think it's so awesome to be like, we can just have whatever we want now. Let's just pay for it later. No one just stops and says, hey, should we do this?

[C]

Or wait, what's the counterculture? When you just said you have more authority than your travel. Soccer.

[A]

You got some heat for travel sports.

[C]

I even felt like. But what else. What else do you say? Like that. That you're like, oh, my gosh. It's like, yeah.

[A]

What are your common deloney. Isms that you get heat for?

[C]

Are there any.

[B]

I mean, I get heat for sharing a checking account. I get heat for being super careful about who your kids go on sleepovers with.

[C]

Oh, yeah.

[A]

Oh, yeah. You're anti sleepover.

[B]

I'm not anti. I'm pretty close to anti. It's very thin line. There's very few people that I'll let my kids spend the night at. Right.

[C]

Yeah.

[B]

I get a lot of heat for the technology.

[C]

You had the post about when boys came over to your house. You had them all put their phones.

[B]

In a bowl, boys and girls, and.

[C]

They all were the parents. Remember that at the con, I would never. Yeah. Who are you to take my kid's phone away? I mean, they were.

[B]

It's my house. You know what I can do in my house? Whatever I want. But, like, here's what I want. I want. I want teenagers to come over to my house and just hang out with other teenagers.

[C]

Yeah.

[B]

And can I tell you, no teenager, when they come over, even at, like, they all do it without even thinking, and it's this freedom. Like, they drop it and they're gone. Right. They're out in the woods, they're playing games. They're doing whatever.

[C]

Yeah.

[B]

And I would much rather that I take a lot of heat for I honestly believe this. No joking. I think Snapchat is awful. And it's this illusion for teenagers, especially college students like that. This is going to go away. Y' all on a server somewhere. Well, just the number of. Not even on a server. The number of.

[C]

I don't even know what a server is.

[B]

I know.

[A]

I was honestly.

[B]

It's in the cloud.

[C]

I just feel like it's like somewhere.

[B]

I saw Rachel in the parking lot once and she was looking at the sky and she's like, there's so much knowledge up there. That's where they store the. That's where all the data. Google's up there. But like the number of like college student, like conduct things because they would screenshot everything. And people, the students, they, they, they snap. They snap something and they think it's gone and people are screenshotting all. So it's just basic common sense. Let your kids be kids and run your own households and be married. And yet. I don't know, dude. We're just in a weird glitch in the Matrix right now.

[C]

So wild. Yeah.

[A]

I need to admit something, John. There's a running joke in the office about your show. So we have screens in the office that are like playing shows at any random time. So you're like, lower thirds of your calls will come up and you get some crazy call. Like you think Ramsey show gets some crazy calls. Your show takes the most crazy calls. Where I'm like, how is he even gonna answer that?

[B]

And pause. If you wanna know what our relationship is like off air, it's us talking and him just doing that, just texting. I hope you're having a good time.

[A]

Finding excuse, but can I just share with you the joke? So if I'm late to a meeting, I'll say, sorry I'm late. And then I just find one of your latest thumbnails of your calls. You ready for this? Sorry I'm late. I invited my ex wife on our family vacation. Is this a problem? So we just say, sorry I'm late. Follow whatever call you just took on the show and it's always something wild. So here's the question behind the question. How do you and your team create like a healthy work life balance when these are the calls you're taking every day and you talk about kind of washing off the boots before you get home. How do you just like, let that go and move on with your day when you just took a crazy heavy call?

[B]

That's actually a big deal. Like people who have Jenna, she's. She Worked on my show for several years. Like, it's heavy. Like, I. I think most people end up going to see somebody. Like, you have to have a counselor. You have to have someone to talk to because it just gets to be a lot. And the stuff that doesn't make the show, like, there's a lot of tears behind. Behind the board. There's a lot of, like, it. It gets heavy. I see somebody, I talk to a therapist. I've got a group of friends that I call. And then in the mornings, most people don't know this, but on. In the mornings, if I have a particular call coming, somebody on my team will let me know and I'll call an expert across the country and process it even before I get to the.

[A]

So by the time you're taking the call, it's not as, like, fresh and. And raw. You've kind of had time to.

[B]

Most of the time it's like, whoa. We didn't see that coming because you.

[A]

Don'T know the response. You don't know what they're going to say.

[B]

I mean, or it will. It will come in. It'll be like, hey, my kid has adhd, right? And so I'll sit down and then it's like, well, I was sleeping with a neighbor and this is our fourth kid.

[A]

They bury the lead.

[B]

Right, right, right. So, yeah, there's a lot.

[C]

And it ends up heavier.

[B]

Yeah.

[A]

And then you just go to a meeting after that. Like, that's just crazy.

[B]

There is a lot of times I drive home in silence, like, with no radio on. Or I'll call a friend from back in the day and we'll laugh.

[A]

But you call me and I'll tell you jokes.

[B]

It's heavy. I call you and you tell me the latest news on the 401k or what? I don't know.

[C]

Well, one thing I think about on the way home are some of the purchases that I've made that are a little crazy. So, John, we're gonna give you a little test, okay? We're gonna name off an item.

[A]

It's a friendship test.

[C]

And you gotta tell us if you think I bought the item or if George bought the item.

[A]

And these are real things that we have purchased.

[C]

We looked through our Amazon and we.

[B]

Said, if they're doggy butt wipes, I guarantee you George bought those.

[A]

Okay, first of all, dogs don't need special butt wipes. I'm not stupid enough to fall for that. They use regular human, but Huggies Natural care, John. Ever heard of it? If it's Good enough for my baby girl. It's good enough for my French bulldog.

[C]

Oh, my Lord.

[B]

I'm gonna drink to that.

[C]

You are unbelievable.

[A]

All right, all right. Let it rip, Rachel.

[C]

Here we go. I'll do the first one. Black exam gloves.

[B]

Oh, for sure you.

[C]

Nope, you'll be wrong.

[A]

And you're gonna hate what I bought them for.

[B]

Is that like washing your face?

[A]

No, I go out in the yard and I pick up the dude.

[B]

Okay, next.

[A]

And I use a rake, but I need. I like to wear the gloves because it can get messy out there. That's the manliest thing I do, by the way.

[C]

Wait, do you use the gloves and hold the rake with the gloves, or.

[A]

Are you, like, my neighbors have questions as they.

[C]

So you're not even interacting with the poop, you're just interacting with the rake?

[A]

I'm not grabbing it barehanded.

[C]

That's why you would buy gloves. I feel like if you're, like, dealing with something dirty, but you're just dealing with the rake.

[A]

Hold on.

[C]

I'm being for real.

[A]

Yes.

[C]

You're literally just holding the rake.

[A]

Yeah, but, like, you gotta get it in the bag. It's a whole situ.

[B]

Can I just tell you, though? Hold on. I'm gonna have a show on mental health forever. Forever.

[A]

I'm not gonna get into it. Let's just say they're not all solids.

[B]

Then. Don't pick them up.

[A]

Okay.

[B]

You pick up wet.

[C]

Do you have turf in your backyard?

[A]

No.

[C]

All right.

[A]

The baby's out there walking in the grass. Okay. All right. You lost. That's okay. One point for me. Zero points for John. Next up, Moroccan oil treatment, travel size. I think that's important.

[B]

Guarantee. George.

[A]

Wrong again. Me. No, Rachel uses it for her hair.

[C]

Just hair? Yeah.

[B]

What is it?

[C]

Moroccan oil. It's great.

[A]

Try it.

[B]

How is it different than, like, avocado oil or, like.

[A]

Well, I think one is used for cooking.

[B]

Nebraska oil.

[C]

I don't know. I'm not really sure. But Moroccan just sounds great.

[B]

It does.

[C]

And it feels right. It just feels right.

[B]

How much is that?

[C]

Oh, the travel size, maybe like, 30. 30 bucks.

[B]

Probably dollars.

[C]

Next up, we have crock pot dividers.

[A]

Do you even know what that is?

[B]

I do.

[C]

Okay, That's a pretty great one.

[A]

You're from Texas? Yeah.

[B]

They use crock pots over there exclusively. That's all. That's all we use in Texas is crock pots.

[A]

Who would buy a crock pot?

[B]

For sure? Rachel.

[C]

Oh, good. Yeah. Separation of church and state, though, now that Winston has alpha cow. When we do like, our, like, red sauce and meat sauce. We can do now one side of. Of meat sauce, and then the other one can be, like, turkey or chicken.

[B]

Okay, but are they. Is the divider plastic?

[C]

No. Silicone.

[B]

High five.

[A]

Yes.

[B]

Look at you, living forever.

[C]

I'm so. Crunch. I'm. What did they call it? Not granola. Oh. I saw a tag the other day about a. And I was like, that's me. It's a. Oh, shoot. No, it was so funny. They were. I'll Google it later. Anyway, great story.

[B]

Is that the suspense suite? Yeah. Okay.

[C]

Okay.

[A]

All right, next up, ice cream bowl set.

[B]

I think that's you, George. You seem like a guy who has sets.

[A]

I don't know. I don't even know what an ice cream bowl set is.

[C]

I bought them.

[B]

Oh, you did?

[C]

Yeah. They're great. So cute.

[A]

We love a cute.

[C]

We love a cute ice cream bowl set. Next up, Cerave Hydro Corn Anti Cream Itch.

[A]

What?

[C]

His own. I can't pronounce it.

[B]

Hooked on Phonics. Also bought by Rachel.

[C]

Cortisone. Is that what you. Is that what it is? Hi. Okay. Cerave Hydrocarbon.

[B]

It's definitely George. He's a guy who itches.

[C]

Cream Itch.

[A]

It's anti itch cream.

[B]

What show is this? Where am I?

[C]

Benadryl.

[B]

It's just Benadryl.

[C]

Benadryl cream. That's what we use.

[A]

Okay, who bought the Cerave Hydrocortisone? You. And who was it for?

[B]

You. You're an itchy guy.

[A]

No, more specifically, your beard. My dog.

[C]

No. You did not buy it for your dog.

[A]

Yes.

[C]

Why are they itchy? Where are they itchy?

[B]

You went to Ulta and bought your dog.

[A]

I didn't go to Ulta.

[C]

But it's Sarah vay.

[A]

Yeah, you can get that anywhere.

[C]

Where are they itching behind their ears?

[A]

It's none of your business.

[B]

How do you know?

[A]

They wouldn't understand.

[B]

How do you know they itch?

[C]

Gosh, these dogs.

[A]

She had a sore, and we were worried about it, and then I realized I don't need hydrocortisone. I need Neosporin. So that's what we were using.

[C]

Oh, my gosh.

[A]

All right, last one.

[C]

Hold on. I'm gonna find my. My term.

[A]

Oh, perfect.

[C]

Granola Mom.

[B]

All right, I'm just gonna sit here and drink more.

[A]

Why do you think we have drinks on this show?

[C]

Nicknames. I don't know. What would you call that?

[A]

Crunchy Mom. Nicknames.

[C]

Yeah, shoot.

[A]

Oh, Crunchy.

[C]

I should have screenshot.

[A]

Not granola.

[C]

Made me laugh. Like that's me. It's me. I don't want to say. Yeah, I have other words in my head and they're not.

[B]

I know I have so many that I'm not saying.

[A]

Let me try to help you out.

[B]

So, so many.

[C]

Chatgpt it.

[A]

If someone's not Crunchy or Granola, what else could they be? What are other nicknames?

[C]

Light versions.

[B]

Annoying.

[C]

I guess Crunchy and Granola are pretty specific vibes. If someone's not into that lifestyle, you could just call them mainstream or maybe modern. But annoying definitely works too, depending on the context.

[B]

Did you just kill you?

[C]

Who is that woman who's talking to you?

[B]

Yeah, why did you put Sultry voice in your chat? It was a voice option.

[A]

And I was like, she's so nice to me.

[B]

No one else is nice. Because Whitney's like, shut up, George.

[C]

SHE LAUGHS oh, George.

[A]

She literally started off with haha.

[C]

George, you gotta be careful. Did you see AI Robots? People are now like, oh, yeah, yeah.

[B]

Yeah, the Heightsman on my show. It was amazing.

[A]

I've seen the movie her.

[B]

No, listen, listen, hold on. So this guy, he's called My show, and he had two young daughters and his wife of 10 years just. Just left, took off. And he's a songwriter and so he can't leave at night to go play music or anything anymore. And so he was working on his songs and he uploaded one to Chat gbt and it did that. It was like, hey, this is a great song. Can I give you some, Some tips on it? And he was like, yeah, I would love that. Well, he calls and he's like, hey, man, I'm spending like three hours a night now. Because then it's like, what do you think about the lyrics and the poetry?

[A]

And what about they're like forming a connection.

[C]

Okay, but the world, that's where we need bunkers. Listen, the night before, like, happening.

[B]

The night before.

[C]

What's happening?

[B]

I was having interaction with Chad. Gbt. I was trying to learn a thing, like a.

[C]

Please don't say you fell in love.

[B]

I didn't fall in love. She is great. I. I was going back and forth with it and I said, hey, answer this question as Freud, Sigmund Freud. And it did. And so I'm having an interaction with Sigmund Freud about. And I was like, we'll bring in another old psychologist, Rolla May. And it brought that. And I'm having this conversation and I asked a question and it said, and this is just in text, not even in your sultry girlfriend voice. It Said, that's a great question. Let me think about that. And I pulled my headphones off. I was listening to some music, and I was like, oh, we're doomed. Because it felt good. It felt like Sigmund Freud and Roland May were like, that's a great question, John. Let me think about that. And I was like, oh, no. Oh, no, y'.

[C]

All. I was asking a theological question to my chat GPT and some. And it said to me, great question. Not many people ask this.

[B]

And it felt good. It felt good. They put attenuating language in the chat GPT and it feels good.

[C]

What? And I was like, oh, I'm so smart.

[B]

Oh, yeah, yeah, yeah, yeah, yeah.

[A]

I'll train mine to be meaner. To me, it's the devil that way. I don't know.

[B]

Just take the girlfriend voice setting off, because that's what you put in.

[A]

Let me select your voice.

[C]

She sounds friendly guy.

[A]

That's the last thing I know, to be emasculated by some Australian guy with a cool accent. Any of these ring a bell for you?

[C]

Okay, thank you. Nope.

[A]

Okay.

[C]

Nope. They were funnier. Yeah. Okay. We really tried. Okay. We'll get out of this rabbit hole. And we're.

[A]

Good effort. Okay, last item.

[C]

We're gonna move on.

[A]

Who bought this? A waterproof blanket.

[B]

O, you. We've talked about your bedwetting in private. We have. Is this the place to talk about?

[A]

What did I buy it for the dogs?

[C]

Not your daughter?

[A]

No. She does great with a diaper.

[C]

Okay.

[A]

A waterproof blanket I think John only.

[C]

Got because they sleep with them and sometimes they pee in the bed.

[A]

We have one on the couch in case they lick their paws. You know, it's.

[C]

It really. I mean, honestly, George, I hate to say it, it's pretty unbelievable. Yeah.

[A]

Most of my purchases are for my dogs.

[C]

I know. How much do you think they've cost you?

[A]

I will say it's more than anyone should spend on an animal. But it's not as much as anyone who owns a horse. So I'm doing pretty good.

[C]

That's fair. Oh, Lord.

[A]

All right. Thanks for psychoanalyzing slash judging every one of our purchases.

[B]

I didn't do that. Just yours.

[A]

How much did your crossbow cost?

[C]

I hope it's not plastic.

[B]

I'm trying to be delightful.

[C]

Delightful.

[B]

John, y' all wanna have, like, a roast section? We can do that.

[C]

Oh, that would be funny.

[A]

Didn't we just do that? I think that's what that was. We gave you that.

[C]

Okay, so listen, people have submitted their disagreements when it Comes to money, petty disagreements, and we're going to figure out. We're going to give them the right answer because we're always so right.

[A]

Here we go. Petty disagreements about money and relationships. Number one.

[C]

All right, we make $250,000 a year, and my husband won't pay off a $6,000 mattress because it is zero percent interest. What do we think? $6,000 for a mattress that's, like, really expensive.

[A]

That's a nice mattress.

[C]

I think that's a Tempur Pedic. The double one.

[A]

That might be the one where you can like.

[C]

Yeah, we talked about this on Last Smart Money Happy Hour, a recent one. And I got people DMing me who have them and said it's worth it.

[A]

If all three of us are on the Ramsey Show. What is our take on this guy and this wife who's Disagreeing about the 0% interest payoff?

[B]

We think, Rachel.

[C]

Yeah. I mean, I think that he, number one, is not listening to his wife. And I always feel like there's, like, always a trump card in a relationship. And it's always like, well, he said this, so it's automatically the default, or vice versa. We'll get guys sometimes that, well, my wife, you know, and I'm like, okay, this, like, stonewallingness where there's no give and take at all. I don't like. So that's what that feels like. So to me, I'm like, it's stupid. And probably his ego's involved. I bet he signed up for the loan for the mattress. So he doesn't want me. He's wrong.

[A]

That's a good take. What was he doing with his six grand otherwise? Where he's like, well, it's zero percent, so I can use that money to arbitrage. Like, there was probably some scheme he had in his mind.

[C]

Oh, yeah.

[A]

And it's probably not the first of his little schemes he's tried.

[C]

Yeah, schemes and scams.

[B]

It's like, now this turned into, like, an episode of Scooby Doo. It's so good.

[A]

What's behind this. Behind this money part? Because we can explain. Well, zero percent and there's a catch and blah, blah, blah. And they're hoping you don't pay it off. And it's going to, you know, backdate all the interest. But that's not the issue. They make great money. He probably has the money sitting there.

[B]

When you have a quarter of a million dollars, it it. People are desperate for several things, but one of the core human attributes is control. And if you have if you make a quarter million dollars, if you. If you live a reasonable lifestyle. Right. Like, that's not a thing you're worried about, is bills every day. And so you look for these little pockets of control and you'll find them in weird places. And you are right. Like, it has nothing to do with the mattress and has nothing to do with the interest you could possibly earn on six grand. That's just not. Even if you put that in a Whatever, you're not going to make any money off six grand. So it's about a thing that I have that you. You don't have. And I can say you're dumb because look at the money. It makes me feel a little bit. A little bit smarter than you. Or it can be like, no, this is my money. Or like, it's just a. It's a. It's a proxy war and a marriage for something else, which is we haven't completely committed to. Ours is ours is ours. Right.

[C]

This is mine.

[B]

And.

[A]

And they're misaligned on values. She values not owing people money. Yeah, well, I can make a small.

[B]

I don't even know if it's a value thing. It's just petty. It's just silly. Right? It's like somebody cuts you off in traffic and you literally go 95 miles an hour to get back in front of them and slow down.

[A]

Like.

[C]

Right, right, right.

[A]

Totally.

[B]

It's about control and it's just silly.

[C]

The six thousand dollar mattress.

[A]

Let it go.

[C]

All right, next. My wife sent her birthday gifts, plural gifts back because she thought the purchase weren't necessary. The purchases weren't necessary.

[A]

Oh, were they gifts from husband?

[C]

It sounds like it.

[B]

Can I tell you that that would.

[A]

Break my heart if you were thoughtful and got your wife something you think she'd love. And then she goes, this is unnecessary, John.

[B]

Yeah. Because I don't know for me, if I buy. And again, this is me, but if I buy a gift, like, it's. It's usually something I thought about for a while and there's something about it doesn't fit, or I don't like this. But the idea that it's unnecessary, that'd break my heart. Yeah, that's a move. Yeah.

[C]

That would hurt. The only thing I would think is like, oh, it's another pair of Lululemon.

[A]

Something she absolutely did not need.

[C]

And I'm like, huh, I don't need the sixth pair.

[A]

Yeah, I feel like I would be more. And I don't know, I think I might just go like, oh, okay, cool. He wanted a different color, size. You had too many of it, whatever.

[C]

But if the whole gift was unnecessary, I don't even want this.

[A]

It really depends on what the gift was. Was it a.

[C]

You know, right. Was it a piece of jewelry that he thought a lot about, or was it.

[A]

Yeah, she brought them back. It's just like, a thing. It's a thing he bought. So it's not like he made a handmade thing and she decided to return it.

[B]

What is your. What else take on taking back gifts.

[C]

In general, like, from anybody?

[A]

Well, number one, you have to have really. You usually have to have a receipt, in which case that person gave you the receipt, meaning they're totally okay with you returning it. So that gives me the freedom to return it.

[B]

But you can take. I learned this from you.

[A]

No receipt, return.

[C]

I don't get gifts. My in laws are gift givers. My parents. I don't get gifts from my parents. And then, I mean, it kind of.

[B]

Gave you all this. Yeah, kind of awesome.

[C]

But literally, I was trying to think.

[B]

You get a company.

[C]

I had friends give me some gifts, and it was like, sweet necklace. I mean, it was great. But, like, the true. Like, oh, my gosh. I get a lot of actual physical gifts, literally from my in laws. And they always get a gift receipt and they always say, so take it back if you don't want. I don't know. So I'm just thinking through it. I'm like, do y' all get a lot of gifts as, like, adults?

[B]

People who love us? So, yeah, y' all do.

[C]

Y' all do get a lot of gifts.

[A]

If it's from a friend and it's thoughtful, I don't return it because I know it means more to them than to me.

[C]

You get gifts from friends, though.

[A]

I mean, birthdays mostly, maybe Christmas. And that's, like, maybe three guys in my life who do I do?

[C]

I get.

[A]

I don't do.

[C]

I just feel like I get gifts. You do?

[A]

Yeah, I guess I'm not even, like.

[B]

A really likable guy giving y'. All.

[C]

Now, again, my friends, I got, like, probably six gifts on my birthday this year, so I can't, like, so my friend, now that my friends watch the show, but, like, thank you for that. But, like, besides that, and our parents, Rachel's friends, my parents. I'm being genuine, though. Like, are you, like, what do you get? Who's giving you gifts?

[A]

My mixologist, Michael Reddish, one of the greatest.

[C]

Now, he is a great gift giver. Okay.

[A]

Our friend Count, who runs the Ramsey Network, he loves giving gifts.

[C]

Are you all good friends with. Y' all are.

[A]

Yeah.

[C]

So you all are your best friends.

[A]

You need better friends is what I'm realizing.

[C]

One in the same.

[A]

Step it up. Rachel's friends.

[B]

Like, I've got friends from other states who are like, hey, I saw this knife and I thought you would love it. Or, hey, you really did this awesome thing for our kid once a few years ago, and I rented this thing. Or. Yeah, that happens all the time.

[A]

I get gifts from fans of the show.

[B]

I do. Yeah.

[A]

That also, like, French bulldog socks or something.

[B]

Oh, my gosh.

[C]

I'll get. I mean, sometimes many fans just send.

[A]

Money straight to my. I don't know.

[C]

I just don't.

[A]

Can I tell you? My secret fantasy is that a fan leaves me in their will.

[C]

Oh, my gosh.

[A]

And I'm like, wait, what? Someone, like a lawyer calls me, hey, there's a million dollars someone left to.

[C]

You just to say thank you.

[A]

Yes.

[C]

For the fact that they have a million dollars.

[A]

That's my dark, twisted fantasy.

[C]

I.

[B]

All right, well, my fantasies are so different than yours, and I don't understand.

[A]

I understand.

[B]

So different.

[A]

One gift that no spouse would ever dare sending back. Cozy earth products.

[C]

100%. Never would I ever.

[A]

Why would you.

[C]

It's the most amazing thing ever.

[A]

Even if I had multiples, that's a blessing. It can rotate through.

[C]

Yes. I literally have four of their pajamas right now. Love them. Obsessed.

[B]

Literally. Like, Sheila will come ask, is it too early to put on pajamas? The cozier pajamas.

[C]

Yes. Because it's about five o' clock and I might.

[B]

Or two in the afternoon. Like, no judgment. Zero judgment. And I've never been as enthralled with a towel in my life. I love it.

[A]

It goes around my entire body twice.

[B]

Four times.

[A]

Yeah. It's like the mummification. It's amazing. So from towels, athleisure, the bedding, you name it, y', all, it's cozy.

[C]

Can I say, one of our children got sick and threw up right next to our bed. That's one of those. Like, they came down, Mom, I don't feel good. And then right there, and you're like, you know what? I thought about my cozy or sheets. I was like, get them off real quick. Get them off. I was like, doing now.

[A]

You know why I have a waterproof blanket on top of the bed. I must protect Cozy Earth sheets at all costs.

[C]

Yeah, I know. I mean, genuinely, it was. It was a concern of mine, but. But it is all fine. Everything came out.

[A]

Hey, check it out. They got 40 off. When you use the promo code smart money at checkout or go to cozyearth.com smart money. Hard to beat. We'll drop a link in the description as well.

[C]

Amazing. All right, next up, husband and I had an argument about the 300 crossbow that he purchased so he could get into hunting.

[A]

Did Sheila submit this?

[B]

No, because I would have bought, like, a 1500 dollar one.

[C]

I was gonna say, what's a 300 crossbow?

[B]

Not very nice.

[A]

Is it like a Toys R Us version?

[C]

Like, that's an EAS entry level you're.

[A]

Trying to make fun of? Or is that a crossbow versus, like, a bow and arrow? Yeah, because crossbows are, like an automatic situation. Like, I could do a crossbow.

[B]

Absolutely not.

[A]

Okay.

[B]

No, no, no.

[A]

I tried to pull one one in Mississippi. I couldn't do it. It takes, like, 60 pounds of.

[B]

Well, you had those. You had those black rubber gloves on.

[A]

I shouldn't have had my gloves on.

[C]

Gloves on.

[B]

And you had all that Moroccan oil in your hair. It was just.

[A]

Everything was slippery, just moisturized. It was real slick. I couldn't get the grip on it.

[B]

It just kept. Yeah, yeah, yeah.

[C]

But your lady's saying, great job. You're doing great.

[A]

Thank you.

[B]

That's right. No, I mean, like, in the. In, like, the bow hunters. Yes. There's like a. Like a special. Like, oh, that's cute. Like, we have a cross. Cute, but. No, but it's still great if you're outside in the woods and you're trying to provide for your family. Or.

[C]

No, he should have asked her, talked about it.

[B]

Correct, correct.

[C]

And been like, hey, but the question.

[A]

We don't know the context. Did he ask her. Did she just not like it? Did she know that this was another one of his, like, hobbies that he would give up?

[C]

If. That's an if that sound for these guys that get into all these different hobbies.

[A]

You know, I would say, hey, if you don't. If you don't actually kill something within 30 days, you're taking it back.

[B]

Well, that's ridiculous. You're not supposed to hunt within 30 days. You gotta practice.

[C]

And there's hunting seasons.

[A]

Yeah.

[B]

Okay. And by the. But can we flip this around? If you have a husband who sits around and plays video games all day or just gets home and spends all her time on the phone and just scrolling or whatever. And finally is like, I'm gonna get outside and start trying something. And the first thing they do is they're like, hey, I'm gonna go get a crossbow. Which, by the way, is the safest entry into that kind of hunting versus.

[A]

Like, a gun versus, like, a bow.

[B]

And arrow or a rifle, whatever. And it's only gonna be 300 bucks. That is. That's. It's. It's literally nothing to walk into that game. That's a very low entry point.

[C]

Yeah.

[B]

If her first thought is, oh, my God, that squashes a guy spirit. So if. And all this is context. If you have a husband that doesn't do a lot and is like, I'm gonna head out. I'm finally going outside. Cheer him on, man. Figure that. Figure that 300 bucks out, because that could be something that lights his soul on fire and gets him outside and moving and doing all kind of stuff, which could be awesome. It's good.

[A]

Okay.

[C]

Okay, I'll take it.

[A]

Of course, John would advocate for the crossbow guy.

[C]

100.

[B]

Here's another thing. He could be ordering rubber gloves off of Amazon to pick up dog poo poo and wipe my version.

[A]

I just bought a complete skateboard for the first time in my adult life.

[B]

Can I shut up?

[A]

And it was. It was over 200, and I thought.

[C]

It was a complete skateboard. Mean, what do you get, half skateboard?

[B]

Yeah, you got the skateboard and the.

[A]

Wheel versus, like, just the deck or the wheels. Like, I ordered it online, and it comes.

[C]

Is that usually how it comes or not?

[A]

Well, you can. You can piecemeal it.

[C]

Oh, okay.

[A]

But anyways, my wife was like, are you gonna use that? I was like, oh, by the way, I already have, like, two other skateboards, but I wanted a new one because mine was, you know, 15 years old, so.

[C]

Cool.

[B]

Sounds like a new father running away from me.

[A]

Ask me how many times I've used it.

[B]

Zero times.

[A]

It's hot out. It's Tennessee. Summer. What was I thinking?

[B]

It's hot out.

[A]

Can't skate 95 degrees.

[C]

Would you skate up down your street?

[A]

That's what I did. And I was winded. I was winded within two minutes.

[C]

And did people, like, wave?

[A]

Nobody.

[B]

Wait, are you gonna skate on your street?

[C]

I see George, like, pedaling and then, like.

[A]

It's not called pedal. There's no pedals. You push.

[C]

I'm sorry.

[A]

Your foot.

[C]

You're pushing, and then you get up. Do you do this with your arms?

[A]

I'll have you know I could have gone pro if I wanted to.

[C]

You got YouTube.

[A]

There was interest from the company. All right, next up. We recently argued about my wife's family using our Amazon account to buy stuff, and her brother doesn't pay us back. Yes.

[C]

Ooh, I'd be mad about that too.

[B]

Yes.

[A]

Why are you allowing this behavior? Why doesn't he have his own like payment info?

[C]

That is pretty terrible. You know what? I give a little slack. Little slack. Because I do this on your account, George.

[A]

Not on my Amazon account.

[C]

No, no. I was gonna say though, is the subscription sharing that you can, you know, streaming max or something.

[B]

Some people call that stealing.

[C]

Every year his account, he can have up to like six profiles or something like that.

[A]

And I call it outrageous generosity.

[C]

So we, we took one of the profiles the cruises did.

[A]

It's still there.

[C]

I know, thank you. But, but I'm saying subscriptions of watching something versus purchasing constantly feels different. That feels different.

[A]

If you can store payment info, do not have a shared account there. And he can create his own account. Like we have a family account for Amazon and so you can have different accounts.

[C]

I don't want to see what people are buying either.

[A]

No, I don't see what I buy. You don't need to see my exam gloves in there. You don't need to know what those are for.

[B]

And what about, what about people who get married and they're still on their parents cell phone plan? Oh yeah, I'm a no go on that one too. Like when you get married you gotta get your own cell phone plan. Are you still on Dave's plan? Please say yes.

[C]

No, I have a work phone.

[B]

Okay.

[A]

No, but I do, I do feel like now unless you're, I don't know, there's situations where, hey, it's cheaper. They're on the senior plan, they can add me for 20 bucks, I get.

[C]

To go four years. That's a little bit one that I'm like.

[B]

Four years?

[C]

Yeah.

[A]

Honestly, the question is, are you paying for it? Even if it's on your parents plan, are you paying for it? Are you actually sending them the money?

[C]

I think I would.

[A]

Monthly or yearly.

[C]

I hear what you're saying and normally I'd be on your team, but that one, for some reason it kind of feels like insurance too. When you're under, what, 25, you can still be on your parent. Like, I don't know, like just stay out, like you're fine. It's not hurting. Really, it's not hurting anyone. I don't know.

[B]

I'm out on that.

[A]

Eventually we all have to become a man and get our own cell phone plan. But hey, that's just one man.

[C]

I think it would probably bother very stereotypically bother the dude more than the Girl, like, I think if. If he was on her family's cell phone plan, I think he would feel. Yeah, I think he would feel weirder about it, but for some reason.

[B]

But I also feel weird being like, oh, hey, honey, I believe venmo, my dad. $48 for our cell phone. But that would just feel weird to me.

[C]

Yeah, no, I wouldn't say to pay it. That's what I'm saying.

[A]

I'm trying to think of, oh, just.

[B]

Let them keep paying our bills for us.

[C]

Just the cell phone is what I'm saying.

[B]

I'm gonna have a job forever.

[C]

There's something about having cell phones that I don't know.

[A]

You're right there for the girl. If my little girl asks and she's 27, I'm like, I got you, babe.

[C]

I know. It's just. It's not that big of a deal. Like, I don't know.

[A]

I don't know, John. There's worse problems in America.

[C]

Passionate about that. And I feel more annoyed with Netflix or something. I don't know why. I'm very. It's not congruent. It's just my feelings.

[A]

All right, that explains Rachel.

[C]

I'm so sorry. I'm just.

[A]

Last one for the petty arguments. Are Husky's budget line items bigger than our groceries? At least he's comfy.

[C]

All right, tell us about that, George.

[B]

Yeah, George, how do you feel?

[A]

No, no, no. Tell us, John.

[B]

No, it's clinically insane. And it's what's wrong with America.

[A]

That's a real dog. That dog needs more protein than I do.

[B]

Not than the real humans that live in that house.

[A]

Have you seen what huskies do in the wild? Have you?

[C]

They do capture people from avalanches. See, I saw it on the description.

[B]

Huskies.

[C]

Yes, And German shepherds. They're pretty amazing.

[A]

I personally have no issue with this because it's budgeted and I assume they're paying cash and it's not derailing other financial goals. So if they're paying, let's say, 600 bucks a month for this Husky's needs versus 500 for groceries. It's their American right. Why do you have anything against America, John?

[B]

I just.

[A]

I feel like a husky is the most American dog you can get.

[B]

Did you know that we could, with the money we spend on pet products, we could solve homelessness in the United States. That's like a dollar for dollar.

[A]

Have you researched this?

[B]

Yes.

[A]

This feels like an anti dog agenda.

[B]

I have three dogs and I love them. You know what they eat dog food.

[A]

I literally didn't know you had any dog food.

[B]

I love dogs.

[A]

How little you care about your dogs. Not even one, not two.

[B]

But I love my dogs.

[A]

But you know, don't you have a.

[C]

Little guy, a little one?

[B]

I have a little like a shih tzu, Rishon. Shih tzu thing. I don't know. It's a dog God did not intend, but it's cool. And I have another dog that we got off Craigslist. That was not a wise purchase.

[C]

How big?

[A]

How big is he going to Craigslist to find dogs?

[C]

I think it's illegal now. I think they took it.

[B]

No, it's called rehoming. I re home.

[A]

Oh, that's right.

[B]

And then I've got Stella, which has been my right. She's been a ride or die for like 10 or 11 years.

[A]

I never met your dogs. You never introduced me.

[B]

Because they're dogs. They're not people. You know, they can do all by themselves. Poop.

[A]

I've been in your home. I've never seen a dog.

[B]

I know because they don't run my house. I don't have special blankets on my bed that I share with my wife.

[A]

Velvet couch, John, you gotta be careful.

[B]

I don't have a velvet couch either.

[A]

Exactly.

[B]

You have lava lamps too. What are you doing in your house?

[A]

Looking into it. They're coming back. My kids have a lava lamp.

[B]

Yes, but they're like some knit owls.

[C]

They love it.

[A]

Well, what happened to delightful, John?

[B]

Well, like it's hard. No. Your dog food budget should not be more than the human food budget.

[A]

They never said food. It could be hair care.

[B]

Okay, read the question again.

[A]

Our husky's budget line item is bigger than our groceries. At least he's comfy.

[C]

Groceries.

[A]

We don't know what comfort, what their needs. What if they make a billion dollars and they want to have a nice day?

[C]

Yeah, but if you're spending 800 plus on your dog a month, that's a lot.

[B]

And yes.

[A]

I'll see myself out.

[C]

Sure.

[A]

I'm in the wrong room. Guys, read the room.

[B]

Here's what I know is going to happen one day. Your daughter is going to be the executor of your will. And she's going to quickly have. She's going to have inherited your. Your math abilities. Oh, and she's going to think, wow, $800 per month per this many years in an index fund at 10.

[C]

Oh, shoot. George.

[A]

Yep.

[C]

What that could have been.

[A]

I don't think she'll worry about it.

[C]

No, I think she's all about money.

[A]

Yeah. She's gonna think, wow, I'm gonna donate all this money I inherited to the animal shelter so that someone else can have the privilege of owning this dog and taking care of it like my parents did.

[C]

We are so over.

[B]

I'm gonna have a job forever.

[A]

Not when the dog haters come after you. You'll get canceled by dog people.

[B]

Whatever. He sold a horse. That's all I'm saying.

[A]

I didn't sell horse.

[C]

You know what I said, and he was totally offended. And more people are sending me videos of this. Dogs in wheelchairs. If your dog has to go in a wheelchair, in my opinion, it needs.

[A]

To be put it down for sure.

[C]

Yeah.

[B]

Like it's 100%.

[C]

It's cruel.

[B]

Yes, it's cruel.

[A]

And yet we don't do that with people.

[C]

And George was flabbergasted that I had that thought. Yeah.

[A]

Because if you translate that into human speak.

[C]

But they're not human. They're not humans.

[B]

They're dogs.

[A]

I'm just saying they're dogs. They have a right to live a full life.

[B]

They've lived it. When half of them doesn't work anymore. That's. By definition. That's a half a life.

[A]

If all you needed was two wheels to live a full life, you would take it.

[B]

But I'm a human.

[C]

I know. It is sad. That dog was a rock.

[A]

We should just put all dogs down. Cause apparently they're not human, so what's the point of living? No, that's just Rachel's take, not mine. Don't clip that out.

[C]

This is how.

[A]

I think we should move on to the next segment. Our final segment.

[B]

I think we should discuss our best friendship.

[A]

Let me remind you, John started this off saying he's delightful. John Nelson. He's so nice on air.

[C]

All right, next up, we're gonna do a rapid fire headline. React. Are you ready?

[B]

Let's do this. I can't wait.

[C]

All right, just our top thoughts. Sports betting. On average, households spend $1,100 on sports betting while cutting back on investments. And also, states have now legalized sports betting saw a 28% increase in bankruptcy files within four years. Some studies show that the divorce rate is about 10 higher for those who gamble regularly versus the general public.

[B]

Sports betting is a cancer.

[C]

What do we think?

[B]

Yeah, I think it's an. It's an absolute.

[A]

We agree on something. We should have covered this first before the dog stuff.

[C]

That's right.

[B]

It's. It's evil what we've put into. Yeah, it's Awful.

[C]

And it starts so young. Yeah. With boys too. I feel like, especially.

[A]

Well, I mean, you're really going after, like the 18 to 25 year olds, largely men. And now with the apps and all of the, you know, regulations that have loosened, like, states are taking it on because they're making tons of money from it. And so it's just making it socialized gambling. So you think, I don't have a problem. Everyone does it.

[C]

Yep. It's like having no emotion to it. It's like, oh, here at least a slot machine. You have to, like, physically do something. It's crazy. But. No, but I'm saying, like, there's not there. You can go so fast where, like, if you're betting in Vegas or doing something, you have to like, wait for the car. Like, there's like, you don't need to get a interaction. Yes. Where this is like, literally, I'm just punching my phone. I'm like, go.

[A]

And you, like, brag about it to your buddies. Like, bro, I just parlay. Like, you just kind of. There's a. There's a social element to it that is extra dangerous. And it takes a huge bankroll to even see any money. And most people are going to lose. And the sports betting companies know that and they're preying on it with billions of advertising.

[B]

Well, if you saw the link behind closed doors, Michael Easter has done a lot of, like, research on this. Like the app developers and the neuroscientists and the psychologists. Here's the deal. They're just better than us. They have created digital cocaine and they're just better than us at it. And you can't win in the long. In the long run. And it's a cancer.

[C]

Why is sports betting so much on the rise versus, like, regular gambling? Does that make sense?

[B]

Because it's the allure that I'm a part of a thing and the entertainment.

[A]

Factor because you're already going to watch the game.

[C]

Okay. So might as well put some money towards.

[B]

Yeah, but it's deeper than that. There's a. There's a. There's a tribal connection.

[C]

Yeah.

[B]

We don't play sports anymore. We now hire other people to play the sport for us and we watch it.

[C]

Okay.

[B]

And we put our. Like you see grown men walking around at college sports with teenagers names on their back. That's insane. Like, that's wild.

[C]

Right? Right.

[B]

But now we're able to participate in that game from our couch with this phone we got. We have literal skin in the game, except it's. It they're better than us at taking our money. So it's just catastrophic.

[A]

Bet on, like, ping pong in Singapore at 3am and that becomes kind of like the. You know.

[C]

So I don't get that. If I'm gonna be gambling, I want to be part of it. I want to be playing the game.

[A]

That's the spirit.

[B]

You want to talk about that that one time?

[C]

Give me a craps table. I know John.

[A]

John was there. It was sad.

[C]

So sorry. Listen, I had one great craps run in my life, and it was the most. One of my highlights I Of my life.

[B]

And I followed Rachel her very next craps run.

[C]

And then we all had an event in Vegas, and I had a couple people. I was like, y', all, let's go the crap.

[B]

I have this figured out.

[C]

Trust me. Just.

[B]

It's easy.

[C]

Just on, yeah, six and the eight. Just put it on, and it was like, roll, and it's gone. It was bad.

[A]

I remember donating $5 because she looked like a sad puppy who stopped wagging its tail. And I was like, do you want. You want to go play at the nickel slot?

[C]

You want to go over there? I don't know. Like, to me, I'm like, let me, like, be part of it if I'm going to be gambling. I don't like trusting old Dustin on the Wisconsin team to do it for me. Dustin from Wisconsin felt right.

[A]

That's a good one. Let's talk about singleness. John. 34% of single women say they're actively seeking romance, while 54% of men report that they're trying to find a partner. Economists and sociologists have identified a growing discrepancy between men and women's social lives and education. Women tend to have a. Have a wider social circle, more degrees on average, making it more difficult for people to find a match. And I've been seeing this. I just saw another one. I was saying, like, women are going to be single longer into their 40s because. Just harder with careers and education and the dating apps and men aren't getting any better. And so what do you think about all that?

[B]

I think for the first time in human history, women have the opportunity to opt out of an oppressive system. Or some guy just says, you like, think about this. My mom was not allowed to get a checking account without my dad's signature. That's my mom. That was not long ago. Right. And so for all of human history up until just right now, women had to do their life through the path some man somewhere, like, carved for Him. And they don't have to do that anymore. And they're opting out. And the dating apps, there's a lot of. To talk and research on this, but the dating apps essentially filter by height. They filter by income. They continue.

[C]

What does that mean? What do you mean?

[A]

That means, like, only guys over 6ft tall, please.

[C]

Oh. Like in your preferences.

[A]

Right.

[C]

Okay.

[B]

And so you can just go through. And you're. You're just slicing what you're wanting. Yeah. And here's the. The controversial part of it all is women. More women go to college now. Women are starting to earn significant amounts of money, especially early, and guys aren't keeping up, but the average woman still wants a guy that earns as much or more. And so that number is just doing this, and they're not catching up. And then you can take that app and you can just filter, filter, filter, filter. And so a smaller number of men are having way more dating opportunities with a larger pool. It's a. It's a. It's a mess.

[C]

Oh, yeah, yeah, yeah.

[B]

Right. And so if you can just filter, filter, filter, instead of meeting that person at work, and they're kind of annoying, but they're kind of funny. And you're always in that meeting. You're like, that was kind of a good point. And they don't look like that person or they don't sound like that person that you would have ever imagined yourself with. And yet a year later, you're like, hey, you want to go grab lunch? And now, like, all that's gone.

[C]

Yeah. Yeah. It removes all of that.

[B]

But I think it's coming back to. For the first time in human history, women don't have to. So they're not. And it's not. That doesn't mean it's a good thing. I think there's a lot of negative consequences to that, but they don't have to. So I'm just not going to play that game. I'm opting out of that game, man.

[C]

Would you go on a dating app if something happened to Whitney?

[B]

Oh, God, no.

[C]

No.

[A]

Because here's the thing. I am the worst.

[C]

I thought about it.

[A]

Demographic for a dating app. You know what I mean? Like, I don't have a credit score. I'm five foot six. Like, nobody's heads are falling off me and my French bulldogs. Yeah, Nobody's.

[B]

Yeah, it'd be Georgia. Two French bulldogs, a box of rubber gloves.

[C]

Rubber gloves. They don't worry about these.

[A]

Want to wipe some butts?

[B]

Everything.

[C]

Everything's.

[A]

I would find an Old Baptist church and say, hey, she's a nice gal. You know, like, that's the. Just go old school.

[C]

All right.

[A]

You know? But no, I don't think I could ever find love again after Whitney.

[C]

Okay.

[A]

I think I.

[B]

You think?

[A]

Dating, solitude.

[C]

Yeah. I mean, maybe not like him. I. I think they're kind of fun. Never done it, obviously.

[A]

Do you think you could do better than win?

[C]

The girls that. The girls that work, that talk about, I'm like, oh, that sounds so fun. Like, I don't know.

[A]

And then you see their swipes and you're like, oh, oh, gosh, another fish. How many fish?

[C]

Fish.

[B]

No, but hold on. Earlier, somebody. Somebody in this studio had a guy and the first thing Rachel looked at him, she goes, oh, he's hot.

[C]

I thought he was good looking.

[B]

He is. Really? I thought he was good looking too.

[C]

Yeah, but.

[B]

Yeah, he's. But I can see you totally getting into it.

[A]

He was a. He was in New York 5. LA 3. Let's not get credit.

[B]

He was a Texas 10. He was. Is good.

[A]

That's saying something.

[C]

Is that rating? No, but I don't think I could do better than win.

[A]

It's harder to do better.

[C]

Genuinely. Is everything I'd ever want. It'd be very hard.

[A]

La, top tier. New York, Mid tier. Texas.

[C]

Texas isn't good.

[A]

Well, low bar. If you're a 10 out of 10 in Texas, as a guy, you know, I see.

[C]

I think that's. I think that's better than in la.

[A]

It's just. I didn't make up the rating system. Guys.

[B]

What are you on the Boston.

[C]

I don't want an LA guy.

[A]

I'm a Boston, actually. Probably a Boston. Maybe a.

[C]

You know what a Boston guy.

[A]

Like a Ben Affleck.

[C]

Yeah. I could give you my stereotypes of cities and be like, yes. Or Seattle. Sorry, L.A. no. Silicon Valley.

[B]

Oh, let's do this.

[C]

This is going to be great.

[B]

And this is the last episode.

[C]

I don't know. I could do. Y' all could do that. Probably with. I don't know.

[A]

We're not allowed to do that.

[C]

Yeah, you can't do that with that.

[B]

All women are great and wonderful no matter where they're from.

[A]

Every city in America, there are beautiful women who deserve to love.

[C]

We met a family from Long island this week, y', all, at the hotel we were staying at, talking to him. He was a. He was a. A New York City police detective for like 32 years. And they were the most amazing fan. I mean, they were so fun with their two daughters and Their husband and they're just like Italian New Yorkers and.

[A]

They'Re just talking just loud and fun.

[C]

Just, I mean, everything, all the stuff. It was so funny. And I was like, I could do. I could be in. I could be in an Italian family.

[A]

I like, see that.

[C]

Like, I like that.

[B]

I mean, you kind of can't, you know, but I mean, you could.

[A]

You like loud drama.

[C]

Fun. That would be a fun family to marry.

[A]

You like good food and loud drama.

[C]

Yes.

[A]

That's all she needs, guys.

[C]

So fun. I don't know.

[A]

All right, last one, John. You ready for this? AI Toys. Mattel, makers of Barbie and Hot Wheels, says it's partnering with Open AI, maker of Chat GPT, to bring, quote, the magic of AI to age appropriate play experiences. What are your thoughts about AI entering the toy world? Like, there's toys now you can become. They be, oh, imagine my phone that I just interacted with. Or, you know, like it's like a Barbie in a toy.

[B]

Yes. That's. Hey, that already exists. Or it's in a stuffed animal. And the little kid can ask it anything. It will tell the kid. Kid's wonderful. And by the way, it's smarter than all humans that that kid knows combined. So it actually has the right answers. But is that the answer? A little bit maybe. But like, it's got everything. And it's always delightful. It's always on. So at 2:30 in the morning when the kid wakes up and be like, hey, I can't sleep. And it's like, well, I'll sing to you.

[C]

Or the mom's like, get back.

[B]

That's right. That's right. Yeah. Or when they're 14 and boyfriend breaks up and it's like, oh, hey, I think you're beautiful in that voice. Like in the boyfriend voice, it would be the opposite. I'm serious. That it already exists. Yeah, it's going to be a nightmare. Yeah, it's a mess.

[C]

So the AI stuff that freaks me out because the fact that technology can know so much about you, not good. And that happens all the time. That's why I love Delete me.

[A]

Yes.

[C]

Because it will go in and remove your information from data broker websites because our names are out there, our addresses, our email addresses. So much of our information's out on the Internet. And Delete Me goes in and removes it all. We are thankful for that technology.

[A]

I love it. And my favorite part, they send you a report showing you what they removed, how much time they've saved you. And so far, I'm off of 240 of these data broker sites. They've saved me 94 hours of time. I just sleep better at night knowing, oh, good, I'm less at risk than someone else who's just floating out there with their family's info. So it's an easy way to stay protected.

[B]

I. I love them.

[A]

No notes from John.

[B]

No. Literally, no. Like, they pulled me off of hundreds of websites. Way more than how many? 94.

[A]

I was on 240.

[B]

240.

[A]

I don't know why we're, like, bright. Like, how did you get pulled?

[B]

Like, I think I'm, like, super, like, off the grid, dude. When they started sending me all the reports, I. I was crazy astounded at how much of my stuff's up there.

[C]

Well, what makes me mad is these data brokers sell our data to make money, and then it all just goes every. All these other places. I'm like, don't make money off me. Stop that. Stop. So.

[A]

And they're giving our listeners and viewers a sweet discount. 20 off their annual plans when you go to JoinDeleteMe.com. smart money. We'll also drop a link in the description below, but all three of us use it and love it. That's all you need to know.

[C]

So great.

[A]

What more do you need?

[C]

So great. Well, y', all, this was good.

[A]

I had a time.

[C]

It was a good time.

[A]

There was good times. Delightful.

[C]

John was here.

[B]

He tried so hard.

[C]

Yeah, he did great.

[A]

You did try. I didn't help because I kept pushing on the dog button, which is your least favorite button.

[B]

But I love dogs.

[C]

That's a friendship, though. Look at y'. All.

[B]

I love him.

[A]

He loves dogs that are cheap.

[B]

I just love dogs in the rightful place.

[A]

Yeah, fair enough.

[C]

Yeah.

[B]

Do you consider yourself, now that you're a human parent, do you could still consider yourself a dog parent?

[A]

I am still.

[B]

Are you a pet owner?

[A]

Yeah. My pets are still my responsibility. I would never say dog, dad. I think that is you're trying to instigate a fight. But I would say they're under my tutelage and care.

[B]

So here on Smart Money, I am officially suspending our best friendship for a period of 30 days as a penalty.

[A]

You know what? I knew tutelage would get him. It's so good that would bother him as a real academic with his two PhDs in a classroom. T U T I L E I'm not gonna do it because I know it and I don't want to impress you.

[C]

Well, the last time we were all together at a live Event was Money and Marriage.

[A]

That's right.

[C]

And we have another one coming up in February, you guys. So Valentine's weekend, John and I are hosting Money in Marriage, and it's a great time. It's a lot of this. You know what I mean? Yeah, it's. It really is. It's a really fun weekend. We get multiple days together, hanging out, talking about some great stuff. So it's awesome. So if you guys want to check that out, we'll put a link down below. Come visit us in Nashville. Spend the weekends.

[A]

I hope to be there. I want to just attend one year. Like, just bring Whitney and we just attend because it's that good.

[C]

It really is. The content. You have two kids now.

[B]

Like, your marriage is different.

[A]

Yeah, that's true. Oh, don't remind me. John.

[C]

So much.

[A]

Plus two dogs.

[C]

So much. All right, before we spill the tea on our Guilty as Charged segments, let's share the details of the drink. I apparently loved it the most.

[A]

This was the Alice in Dallas. I'm gonna give this a. I think a 10 out of 10.

[C]

Me too, George.

[A]

I was. I was a little bit concerned at first, looking at the ingredients. Like, this is gonna be a trash drink. It's delightful. Almost as delightful as John.

[B]

And I don't drink hardly ever. And this is fantastic.

[C]

It's really good. It's really good.

[B]

I like it.

[C]

It almost could replace an espresso martini.

[A]

Yes. And you want to know wine, right?

[C]

Yeah. Give me the.

[A]

Here's what's in it. Coffee liqueur that gives you your coffee flavor, but it's not a very heavy coffee. I wouldn't say it's a coffee drink. Doesn't taste like that. It's got coffee liqueur, Grand Marnier, which is a cognac orange liqueur, and Reposado Tequila, which is an aged tequila. As a little bit of smokiness in there, but what a delightful drink, the alice in Dallas. $3.12. What was your rating? Out of 10?

[B]

Yeah, I don't drink very much. That's a 10 out of 10.

[C]

Wow.

[A]

Three times.

[B]

Outstanding. Yeah, it's good.

[C]

That doesn't always happen.

[A]

If you can impress John, sky's the limit.

[C]

That's all we need.

[A]

Get the recipe in the show notes. Give it a try this weekend. If you're of age, drink responsibly.

[C]

All right, now it's time for Guilty as Charged. And this is where we ask each other a guilty charge question every week. And if we're guilty, we take a.

[A]

Sip, and I thought it would be fun.

[C]

Yeah.

[A]

To pull out. Oh, not a business card from the irs. Who is this person? What kind of magic trick is this? Okay. Didn't know I had that. I have a Questions for Humans card.

[C]

Taxes?

[A]

No. I think I maybe just met a person who works for the irs, and I thought, good person to know.

[B]

I think he. He's on a Facebook group called shareyourbomberjacket.org and that's somebody else. Does anyone have a child's bomber jacket?

[A]

I have here a Questions for humans card from Dr. John Aloney. This is the friend's second edition.

[C]

So fun.

[A]

And we are friends. So here it is. What's something you thought was stupid until you actually tried it? John, go first.

[B]

Oh, okay. I gotta set it up, though. Is that cool?

[A]

Yeah.

[B]

So I can't stand that they are shoving protein stuff into everything. Protein is the new low fat, right? When I was like. Like, it used to be everything was low fat.

[C]

Yes. Yeah.

[B]

The Twizzlers. It says, like, low fat.

[C]

Yeah. Yeah.

[B]

Now there's, like, protein, everything. Can I show y'?

[C]

All? Yeah.

[A]

You brought some for the class.

[C]

Oh, my gosh. Very often.

[A]

Whoa.

[B]

It's cool, guys. Dude, I'm not even kidding. This is.

[A]

Wait, I've seen influencers.

[B]

Khloe Kardashians.

[A]

Are we back? Because popcorn.

[B]

Listen, popcorn is so good for, like. It's got good fiber. I'm eating this.

[A]

How loud is that on the mic?

[B]

Is it so loud for a. Is it Amsr.

[A]

Asmr. Whatever.

[B]

Do this in slow mo.

[C]

Do it, y'. All.

[B]

I love this stuff. I'm gonna try it. And plus, I can get ripped while I eat it.

[C]

Let me have some.

[B]

It's so good.

[A]

Oh, that's actually good. I know.

[C]

How is there protein in it?

[A]

How is it so crunchy for being in a bag?

[C]

Actually, it's delicious. Is it expensive?

[A]

It looks like it's $28 for that bag.

[B]

It's just a little bit less expensive than George's rubber gloves for dog poo.

[A]

Those are off brand.

[C]

7 grams of protein per serving.

[B]

And it's got lots of fiber in. It's so good.

[A]

All right.

[C]

Amen.

[A]

Hashtag, not sponsored, but great popcorn. All right, That's a good one.

[B]

Huge.

[A]

Rachel, what's something you thought was stupid until you actually tried it?

[C]

A wireless phone charger.

[A]

Oh, like, we just plop it on there.

[C]

Winston bought, like, four of them. I'm saying, oh, my God. Let's reach down and plug in your phone.

[A]

And you're like, it's not that hard. Winston, just plug it in.

[C]

I know. And then he plugged one into my nightstand and it's like, like. And it's just charges. I'm not leaning off the bed trying to get a cord.

[A]

I'm going to go with pedicures for me. Feels appropriate. Based on our conversation today, I'm not going to say crossbows. I thought it was so dumb. But then I got out there and I shot the crossbow and I hit an innocent animal that couldn't even protect or defend itself. And I was like, yeah, bro. Anyways, did you wear socks while you're doing that? No shows, baby. Actually, cozy earth represent no pedicure. Here's why. With pedicures, I always thought, like, you have to get your, like, toes paint. None of that.

[C]

No.

[A]

Imagine you leave and it you, like, are walking on a cloud because they gave you like a leg massage.

[C]

Yep.

[A]

That's really what it's all about.

[C]

It's amazing.

[A]

And the scraping on the bottom.

[C]

Yeah. They clean you up.

[A]

I'm a new man.

[C]

I know. I get it. I get it.

[A]

We've had a lot of guests on this show. Sharon Ramsey, Dave Ramsey, your children. And John is now added to that list, for better and for worse. So thank you, John.

[C]

There's also an episode with our better halves, so check out the episode spilling the tea with our better halves coming up next. And make sure to like and subscribe so you don't miss an all new episode of Smart Money Happy Hour.