Questioning “Life” Choices With Ken Coleman (“Would You Rather” Edition)

Summary

Smart Money Happy Hour with Rachel Cruze and George Kamel

Episode: Questioning “Life” Choices With Ken Coleman (“Would You Rather” Edition)
Date: February 5, 2026
Network: Ramsey Network
Guests: Ken Coleman
Main Theme:
The episode blends playful “Would You Rather” games with deeper conversations around money, career, contentment, and life choices. Hosts Rachel Cruze and George Kamel, joined by Ken Coleman, share personal stories, debate hypothetical scenarios, and tackle the real “game of life” decisions listeners face.

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Episode Overview

This episode brings in Ramsey personality Ken Coleman for a lively happy hour. The trio goes “unfiltered” with a round of “Would You Rather” questions, pop culture banter, and insights into making smart choices about career, money, and life purpose. They swap stories, challenge each other's “life” decisions, and probe what really matters when chasing success and fulfillment.

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Key Discussion Points & Insights

Meet Ken Coleman and the “Work Space” (01:19-02:30)

• Ken describes his role at Ramsey: “I want to help people win at work, get better personally so they can move up professionally... helping people win at work as part of the Ramsey crew is the role.” (01:28)
• The group jokes about contact lenses, vision woes, and personal quirks, setting a laid-back, humorous tone.

Money and Identity: Eyewear, Glasses Trauma, and Self-Image (02:31-05:54)

• The hosts discuss their vision issues and the emotional impact of eyewear growing up.
• Rachel shares: “I was secretly bullied, yes. Behind her back and never again.” (04:59)
• Ken admits to basketball mishaps with glasses: “Finally I learned how to stick my finger in my eye, which is...” (05:11)
• They banter about coping with contacts—“saliva does work”—and why some avoid eye surgery.

“Would You Rather” Lightning Round (06:08-10:18)

• Croc Shoes vs. Destroyed Loafers: Ken, hating Crocs, would still wear them over losing prized shoes: “I would eliminate them from society if I had the power. However, I would rather be subjected to that humiliation than watch a dog eat a perfectly great pair.” (06:29)
• Costco Ban vs. Missed Hair Appointments: George would rather skip Costco for Sam’s Club: “I could go Sam's Club for a year and live to tell the tale.” (07:41) and laments the importance of hair care.
• Moon Landing vs. Amazon Prime: Rachel would (if forced) publicly state the moon landing happened to keep Amazon Prime, despite her conspiracy leanings. Ken admits he's “60/40 that we didn't.” (10:46) They riff on government distrust and pop culture.

The “Game of Life” Scenarios – Major Life Choices (12:50-18:12)

1. College vs. Career Early Start (12:50-16:39)

• Ken chooses the work path unless a degree is mandatory: “Experience long term is gonna make you more money... four-year head start... I mature a little bit faster and better.” (13:09)
• Rachel values the growth and structure college offers: “18 to 21... you grow up so much... you're getting educated.” (15:08)
• George suggests travel as a third option: “Go to Europe...you'll be way more cultured big time than going to college.” (16:07)

2. Taking A Promotion in a Disliked City (16:42-21:02)

• Ken prioritizes financial goals: “Do what you have to do so you can do what you want to do.” (16:56)
• Stage of life matters—single and young, more likely to move; with family, more complexity.
• They joke about least favorite cities: Milwaukee, Detroit, West Texas, and Des Moines, with playful ribbing about climate and lifestyle.

3. Dream Job with Pay Cut? (23:13-28:33)

• Ken's advice: Only take a lower-paying dream job if you can sustainably adjust your lifestyle: “If you can adjust your lifestyle, we've proven you can be an everyday millionaire making that.” (24:00)
• On meaning, trade-offs, and fulfillment: “I've sat across the table with New York executives who are...absolutely miserable.” (25:58)
• Rachel shares the “Spanish fisherman” parable: “There’s something about the meaning of life with relationships, your contribution to the world...big things that bring satisfaction.” (27:30)
• Ken’s reflective question: “What do you want your day to look like?” (28:00)

Money Scenarios & Practical Advice (32:27-41:12)

Fix Car or Foundation with Bonus? (32:27-33:43)

• “You gotta fix the foundation...I feel like a schmuck if I go get a better car.” –Ken (32:52)

Laid Off—Retail Side Hustle or Freelance? (34:40-37:19)

• Ken: Use skills for the best return, don’t shrink to convenience jobs by default. “The best bang for your buck with your time is where I've got a transferable skill.” (36:08)

Inheritance Decision (37:19-41:46)

• Ramsey Steps: Pay off debt, fully fund emergency fund, then celebrate/make memories with any excess.
• Ken: “We’re gonna take a trip...I’m gonna call all the kids...make a memory.” (38:32)
• George would save, give, and possibly buy a guitar and Disney trip; Rachel reveals her rare splurge on a Dyson hair dryer (42:02), which prompts comic relief.

Breadwinner or Stay-at-Home? (44:40-47:08)

• Ken and George prefer being breadwinners for the pressure and need “to get out of the house.”
• Rachel would, in her current season, stay home to enjoy school volunteering and family life.

Four-Day Workweek or Double Salary/Longer Hours? (48:21-49:54)

• Quality of life vs. fast-tracking financial goals is debated.
• Rachel envisions a “perfect Friday”: workout, sauna, documentary, bougie lunch with friends, then family time.
• George enjoys solo errands, especially at grocery stores: “Very peaceful, therapeutic.” (49:46)

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Notable Quotes & Memorable Moments

• “I would eliminate [Crocs] from society if I had the power. However, I would rather be subjected to that humiliation than watch a dog eat a perfectly great pair.” –Ken (06:29)
• “Experience long term is gonna make you more money...I think that I move up the ladder faster. So I’m always going to be the efficiency guy.” –Ken (13:09)
• “If you can adjust your lifestyle, we’ve proven you can be an everyday millionaire making that.” –Ken (24:00)
• “There’s something about the meaning of life with relationships, your contribution to the world…those are the things that bring satisfaction.” –Rachel (27:30)
• “What do you want your day to look like?... I think by about day 10, 11, 12, you start to really drill down on what do I want a day to look like—and it’s a lot cheaper than you think.” –Ken (28:00)
• “I'm proud of the fact that I don't use a hairdryer. This is au natural.” –Ken (43:12)
• “I love a good handshake though. I'm a handshaker.” –Rachel (58:20)
• “They lead with emotion, not long term vision.” –Ken, on the #1 money mistake (52:56)
• “You aren't stuck. You're unclear. If you can get some clarity, you wouldn't believe how quickly you'll be able to make a decision.” –Ken, on feeling stuck in life (53:12)

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Timestamps for Important Segments

• 01:19 – Ken Coleman’s introduction and role at Ramsey
• 04:59 – Rachel shares glasses/college bullying story
• 06:08 – "Would You Rather" round begins
• 10:46 – Moon landing conspiracy debate
• 12:50 – Game of Life: College vs. Career path
• 16:42 – Take the big-pay promotion in a city you dislike?
• 23:34 – Dream job with a pay cut scenario
• 27:30 – Fisherman parable and what matters in life
• 28:00 – “What do you want your day to look like?”
• 32:27 – Big expense: car or foundation?
• 34:40 – Laid-off: retail or freelance?
• 37:19 – Inheritance: spend, save, or invest?
• 44:40 – Breadwinner or stay-at-home partner?
• 48:21 – Four-day workweek vs. double pay with weekends
• 52:56 – Rapid Fire: Biggest Money Mistake
• 58:20 – Handshake judgments

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Episode Tone & Style

The episode is energetic, unfiltered, and full of friendly ribbing. Ken’s earnest career advice blends seamlessly with the duo’s humor, pop culture references, and personal stories. The tone is conversational, candid, and often self-deprecating, striking a balance between wisdom and fun.

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Final Takeaways

• Do what you have to do now so you can do what you want to do later (16:56)
• Trade-offs between money and meaning are personal—and it's okay to adjust your life down for the right reasons.
• Focus on relationships and experiences over material gain: “It's a lot cheaper than you think to have a full, rich life.” (28:00)
• Clarity, not just grinding harder, leads to better career and life decisions.
• Don’t be afraid to embrace hard things: “The hardship is the way...the magic.” (31:42)
• And finally—a good handshake still matters. (58:20)

Transcript

[George Camel]

From unhinged would you Rathers to a real life game of life. Today, we're joined by one of our greatest friends and fellow Ramsey personalities, Ken Coleman.

[Ken Coleman]

I couldn't be more comfortable.

[George Camel]

I'm not buying it.

[Rachel Cruze]

Oh, my gosh.

[George Camel]

That's pretty good. Life is already hard, Ken. Why would you want me to do more hard things?

[Rachel Cruze]

Hey, guys, I'm Rachel Cruze.

[George Camel]

I'm George Camel.

[Ken Coleman]

And I'm Ken Coleman.

[Rachel Cruze]

And this is Smart Money Happy Hour. Cheers, everyone.

[Ken Coleman]

Cheers.

[Rachel Cruze]

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.

[George Camel]

And today it's three friends. And we have a special cocktail for a special man. We are sipping on a Kentucky mule.

[Ken Coleman]

It's great, by the way.

[Rachel Cruze]

It's so good.

[George Camel]

Well, don't give it away just yet. We're gonna give you all our rating and reveal the cost per glass at the end of the episode. So stick around for that.

[Rachel Cruze]

All right, Ken. Well, welcome, welcome. You've been on our list.

[Ken Coleman]

Have I?

[Rachel Cruze]

Must have guessed.

[George Camel]

It wasn't a good on the list. It was more of a naughty list.

[Ken Coleman]

I think that's probably right. I'm just happy to be on the list. But it was way down the list.

[Rachel Cruze]

No, we wanted you, Ken. And we're glad. We are glad you're here.

[Ken Coleman]

I'm very excited to be here.

[George Camel]

Yeah. And for people that maybe only watch Smart Money Happy Hour, they live in a vacuum. Tell them about what you do here at Ramsey as one of the personalities.

[Ken Coleman]

Yeah. So I'm in the workspace. Right. So Dave Ramsey, for decades, has said your income is your greatest wealth building tool. And so we find, as we're all on the Ramsey show together and the Ramsey show live, that we find that many times it's not just about cutting expenses, it's increasing that income. And so I'm in that space. I want to help people win at work, get better personally so they can move up professionally. And then if they move into a leadership role, which many times they do, how do you lead effectively? So helping people win at work as a part of the Ramsey crew is the role.

[George Camel]

And you also are one of the best interviewers I know, and you have a show on the Ramsey network.

[Rachel Cruze]

That is my front row seat.

[Ken Coleman]

That's correct.

[Rachel Cruze]

So you're interviewing people all day.

[Ken Coleman]

Both of you have been on.

[Rachel Cruze]

So you know what? We're gonna flip the tables.

[Ken Coleman]

Are you?

[Rachel Cruze]

We're interviewing you. Can I call you Kenneth?

[Ken Coleman]

You can call me Whatever you like.

[Rachel Cruze]

We're gonna ask you some questions.

[Ken Coleman]

Okay? I'm ready.

[Rachel Cruze]

Are you ready?

[George Camel]

Slight interrogation. These aren't the easy questions.

[Ken Coleman]

That you lied to your guests. You might make it feel that way, though. It's a little intimidating right now.

[George Camel]

It's a little good cop, bad cop.

[Ken Coleman]

I can barely see George. For the record, the light's so bright over there. It's a big move. I think it's like having me in a lower chair.

[George Camel]

Do you not wear contacts? I feel like your vision is going. You have cataracts at your age.

[Ken Coleman]

No, I have contacts because I'm legally blind. Without.

[George Camel]

I wasn't wrong.

[Ken Coleman]

In fact, Rachel and I are in the same category. We've long been in a similar contact lens category. I'm worse than she is.

[Rachel Cruze]

What were you?

[Ken Coleman]

Negative 7 5.

[Rachel Cruze]

I was 6.25 before I had my surgery.

[George Camel]

I'm negative 675. Guys, we feel basically you are.

[Ken Coleman]

Yeah, you know we are. We're the old nursery rhyme. Three blind mice. That's what we are.

[Rachel Cruze]

But now you pointed out why don't go get surgery. Why PRK or Lacey?

[Ken Coleman]

Because I got 2020 with these guys. And I throw them out every night and start over fresh.

[Rachel Cruze]

You don't even understand the energy you're putting into your life right now.

[George Camel]

Can I tell you the honest truth?

[Ken Coleman]

I'm too much risk to get my eyeball cut.

[George Camel]

Without the glasses, who am I?

[Rachel Cruze]

Oh, it's.

[George Camel]

I don't look smart. I look even weirder.

[Rachel Cruze]

Take him off. Let's see it. Let's see, let's see.

[Ken Coleman]

He's got weird eyes.

[George Camel]

Nobody wants this.

[Ken Coleman]

Have you ever noticed? Yes, he does. His eyes get twice the size. His glasses, they're giant. You're looking at teacup saucers. This guy goes into a completely different person. Put the glasses back on. Look at his eyes. They shrink. Now he looks normal.

[George Camel]

I'm mellow now.

[Rachel Cruze]

That is kind of weird.

[George Camel]

It mellows me out.

[Rachel Cruze]

He doesn't usually glass.

[Ken Coleman]

He looks like he's on some kind of drug.

[George Camel]

I should get the surge out.

[Ken Coleman]

Those.

[Rachel Cruze]

Okay. I do like you in glasses.

[Ken Coleman]

It's the risk, by the way.

[George Camel]

I think it frames me up.

[Rachel Cruze]

You know what's funny? His glasses gave me.

[Ken Coleman]

I see what you did there.

[Rachel Cruze]

A lowercase T trauma moment. When I was in college, y', all, I had glass. I never wore glasses, ever. I always wore contacts. Cause I didn't like my glasses. Cause they were so thick. So mine were thick. Like on the side.

[George Camel]

The lens is thick.

[Rachel Cruze]

Yeah. Quick, bottle yes. And so I remember freshman year of college, all the girls would like, wear their glasses and like they're messy about on their sorority shirts to class. And I was like, that's a cute look. What if I wore my glasses one day? Wore my glasses.

[Ken Coleman]

Oh boy.

[Rachel Cruze]

I took ready for this class Forestry Wildlife and Fisheries as my science.

[George Camel]

Fisheries.

[Rachel Cruze]

That's a. Forestry and fisheries. That's what it was called.

[Ken Coleman]

It's a great elective.

[Rachel Cruze]

So we all took that elective because it was the easiest science at.

[George Camel]

You also took a walking class for credit.

[Rachel Cruze]

I did. That was my intellectual.

[George Camel]

How was that not the easiest over fisheries?

[Rachel Cruze]

Well, I mean, by like a real class anyways, I'm in a. I'm in one of those, like, lecture halls, you know, and no joke, y', all, I'm sitting there and these two guys behind me, oh boy. Uh huh. I hear them. He goes, dude, look at the crow in front of us. And I was like, right? And he said, look at the side of her glasses. Yeah, look how thick they are. They start talking about me and my glasses. And I'm sitting there and I'm like.

[George Camel]

You were secretly bullied?

[Rachel Cruze]

I was secretly bullied, yes. Behind her back and never again.

[George Camel]

M. Night Shyamalan twist. It was Winston Cruz.

[Ken Coleman]

Probably was.

[George Camel]

That would have been amazing because she's.

[Ken Coleman]

A completely different person without those.

[George Camel]

She may have been metaphor, but I.

[Ken Coleman]

Have the same trauma. I get it. It was eighth grade before I got the contact, so I had to play basketball with the croakies. The little glasses being. If I got hit in the head with a ball, the glasses might fall off. And I remember one time playing defense, got hit in the face glasses. It's terrible. So finally I learned how to, you know, stick my finger in my eye, which is.

[Rachel Cruze]

And you can put them in anywhere. Everywhere. I don't even have to worry about now.

[Ken Coleman]

I one could pop up right here. No big deal. I put it on my tongue, do boom, boom, little saliva. No problem. Yep.

[Rachel Cruze]

So PRK surgery.

[Ken Coleman]

I know George is freaked out right now, but that's what you have to do when you wear contact 100%. You don't have saline solution just in your pocket right here.

[Rachel Cruze]

And actually saliva does work. Yeah, the saliva is a good.

[Ken Coleman]

You want to stick a dry contact in your eye. I promise you, you don't. You might as well stab yourself.

[George Camel]

You want tongue bacteria inside of your eyeball.

[Ken Coleman]

Saliva was actually the alternative is stabbing yourself in the eye.

[George Camel]

I think I'd rather do that than dive dysentery.

[Ken Coleman]

All right. Too much information for people.

[George Camel]

All right, what is spinning?

[Rachel Cruze]

I keep eating.

[George Camel]

Well, listen, we're gonna have some fun.

[Rachel Cruze]

Throw a. Would you rather to. Mr. Ken Coleman.

[George Camel]

We're gonna give you some soft tosses. Cause it's gonna get real intense in a little bit here. So would you rather wear crocs to work for a full day unironically, or watch your saddle loafers be chewed up by one of my French bulldogs?

[Ken Coleman]

Well, I despise crocs. I mean, with all caps.

[Rachel Cruze]

We know this about you.

[Ken Coleman]

I would eliminate them from society if I had the power. However, I would rather be subjected to that humiliation than watch a dog eat a perfectly great pair of saddles. Bucks or something. Mine particularly. So that'd be horrible. So I guess I have to go with those rubber monstrosities, even if it.

[George Camel]

Was on a show where you could clearly see foot.

[Ken Coleman]

Yeah, because I couldn't bear to watch a dog eat a perfectly good pair of bucks. Your dogs particularly look like aliens.

[Rachel Cruze]

And you got acupuncture.

[Ken Coleman]

I don't like what I would become. I would harm the dog in order to save the bucks. I'm not gonna let a dog eat a perfectly great pair of shoes.

[George Camel]

The leather on the shoe. That cow has already died. Why would you kill a perfectly good animal?

[Ken Coleman]

Why would you allow a dog to just chew the thing up? I'll wear the croc. Feel like you're subjecting.

[George Camel]

I regret this question personally.

[Ken Coleman]

It's a great question, by the way. Tough choice.

[Rachel Cruze]

Okay, this one's for George. All right, we're each doing one. Would you rather be banned from Costco for a year or miss half of your hair appointments for three months?

[Ken Coleman]

Great question. Oh, my gosh.

[George Camel]

Only half for three months. Okay, that's a good one. When am I missing them?

[Rachel Cruze]

Yeah, exactly.

[George Camel]

That's the big question. Here's the truth. I could go Sam's Club for a year and live to tell the tale. I have a membership.

[Rachel Cruze]

Okay.

[George Camel]

I sometimes go to Sam's Club.

[Rachel Cruze]

Could do it.

[George Camel]

Here's what I found. Sam's Club less stressful, less chaotic.

[Rachel Cruze]

Okay. Costco people are too high maintenance.

[George Camel]

They're. Yes.

[Rachel Cruze]

Too efficient.

[Ken Coleman]

Boy, this could be controversial, given.

[George Camel]

Yeah, I'm fine saying it. And honestly, went to Sam's Club the other day. Did the scanning go? Never stood in a line. I just walked out of the store and I went, you know what?

[Rachel Cruze]

Where's the scanning go?

[George Camel]

You literally scan the items on the app, and then you leave the store. You pay in the app, and you just leave.

[Rachel Cruze]

Oh, my God.

[George Camel]

And I went, you know what?

[Rachel Cruze]

Costco, we go 20 times.

[George Camel]

Step up your game.

[Rachel Cruze]

Yeah.

[George Camel]

Putting up with your shenanigans for too long. So in that case, I could go without Costco for a year. Now, why was I banned? That's the hurtful part. I want to know what caused me to get banned from Costco.

[Ken Coleman]

I don't see that ever happening. The real story here is, is that George and Rachel knows this because I reported it to the crew. There were a bunch of us, the personalities, went on a retreat to a lake house, and it was Saturday morning. We're just literally getting up and we're gonna go get on a boat. We're gonna be in the water.

[Rachel Cruze]

Yeah.

[Ken Coleman]

And I hear his blow dryer going. This guy does a full on hair thing, gets ready to go on the lake and to put a hat on. Which, by the way, if you think George looks weird without his glasses, imagine George with a hat on.

[George Camel]

Not a hat guy.

[Ken Coleman]

Some people should never wear a hat. And I think you can agree you should never wear a hat.

[George Camel]

No, I look like a bug.

[Ken Coleman]

You look goofy. I don't know what.

[Rachel Cruze]

Why are y' all being so mean to George?

[Ken Coleman]

No, just y'.

[George Camel]

All.

[Ken Coleman]

This isn't mean. He agrees.

[George Camel]

Yeah, no, I'm with you.

[Ken Coleman]

But he loves doing his hair. And I don't see you going three months.

[George Camel]

Yeah. Ken was made for a ball cap. Put that guy in a ball cap, it's a true American patriot right there.

[Ken Coleman]

Do you need any more evidence than the fact that he calls a hat a ball cap? What are you, 95?

[George Camel]

That's what we call him.

[Ken Coleman]

Can we get this guy can have a driver cap while we're at it? Man, have you had your Metamucil this morning?

[George Camel]

Honestly, it's psyllium husk. And I do have a bag at home.

[Ken Coleman]

Fresh.

[George Camel]

That's what's in Metamucil. Fun.

[Ken Coleman]

I can't wait to put on a ball cap later tonight.

[George Camel]

It's the main ingredient in Metamucil. All right, Rachel, you're next with some Crocs. Rachel, would you rather publicly declare that the moon landing really happened or give up Amazon prime for a year?

[Rachel Cruze]

Oh. Oh, my gosh. It's like your convictions versus your wants, you know?

[Ken Coleman]

Yeah, that tells you something right there.

[George Camel]

Conviction versus addiction is what it is.

[Ken Coleman]

Well played, George.

[George Camel]

New Ken would like that.

[Rachel Cruze]

I'm going addiction. I'll say Will on the moon.

[Ken Coleman]

Yeah, but you're gonna bite your tongue.

[Rachel Cruze]

When you say in my head. I'm saying this is not true.

[Ken Coleman]

I do want to give her some credit. When she first floated this theory at me several years ago, I rolled my eyes. It's Rachel and conspiracy stuff. But having watched one of the videos she told me to watch and then a movie put out by Hollywood. What was the name of that movie? It escapes me right now. It's a romantic comedy.

[Rachel Cruze]

Anyway, the point is.

[Ken Coleman]

Fly me to the moon.

[Rachel Cruze]

Fly me to the moon. That's it.

[Ken Coleman]

Great. Pull over there. Yes. Fly me to the moon. No kidding.

[Rachel Cruze]

You're like, it could have happened.

[Ken Coleman]

I'm 60, 40 that we didn't.

[George Camel]

Wow.

[Ken Coleman]

Yeah.

[Rachel Cruze]

Yeah.

[Ken Coleman]

Because I gotta give her credit.

[Rachel Cruze]

Live streamed from the moon before there was even, like, remote controls for a tv. And they call the landline for the. I mean, y' all.

[Ken Coleman]

Come on. So we were still doing the rotary phones back then. Seriously, that's the biggest.

[Rachel Cruze]

There wasn't even remotes. You didn't have a remote for your George?

[George Camel]

I'm 60, 40.

[Ken Coleman]

She got me that.

[Rachel Cruze]

They live streamed. We could barely even FaceTime without watching.

[George Camel]

Here's my take. Either way, what does it matter to me?

[Rachel Cruze]

You need a little.

[George Camel]

It's not like I trusted the government before NASA. So either way, great point. The only guy I feel for is Buzz Aldrin. All this for nothing. Was he. You know, was he paid off?

[Ken Coleman]

I will say that's part of the interesting thing there. He was once confronted by a reporter and almost took the young guy's head off not too long ago. So that passion there tells me he's e really angry to cover up the ruse. Like, listen, pipsqueak, we actually did this. How dare you. That passion made me question.

[George Camel]

I'm impressed that Rachel planted a seed of doubt in your heart. And now she is harvesting.

[Rachel Cruze]

Years ago, before, it became like, a. What I would say now more of a normal.

[Ken Coleman]

And I need to publicly apologize to you. Thank you. Because I dismissed it far too quickly.

[Rachel Cruze]

Thank you very much. That and jfk. I would love to talk to anyone about it.

[George Camel]

Walt.

[Ken Coleman]

Whoever they said killed him didn't. That's a fact.

[George Camel]

I think this is a whole other podcast we're starting over here. I'm here for it. But the people are here because they want really incredible insights from you. Ken, we played a game growing up called the Game of Life.

[Ken Coleman]

Okay.

[George Camel]

You heard of this game?

[Ken Coleman]

Oh, I've played it. Very boring.

[George Camel]

And I loved it. I loved how the world, the little.

[Rachel Cruze]

Cars and the little people.

[Ken Coleman]

You gotta fit in. I was into Clue.

[Rachel Cruze]

Oh, yeah, that's good.

[George Camel]

You like a little mystery Yeah.

[Rachel Cruze]

A little in the library or risk.

[Ken Coleman]

A little world domination?

[George Camel]

I lean that direction versus real life. You're like, that's too boring.

[Ken Coleman]

It's a little boring for me.

[George Camel]

What kind of job do you have? Who cares? What kind of car do you drive?

[Ken Coleman]

Who cares? I want to play your version when.

[Rachel Cruze]

I feel like we play it a lot. Like, even on the Ramsey show, people give us scenarios. Do I do this or do I do that? And so we're gonna. Yeah, throw some. Throw some scenarios out there. Okay, you ready?

[Ken Coleman]

Yep.

[Rachel Cruze]

You're 18 years old. You just graduated from high school. Do you take the college path, pay $100,000 in tuition, earn a degree, have a higher salary, earning potential, or take the career path, skip college, start earning a lower income, but start earning sooner.

[Ken Coleman]

Option B, with the caveat that if a degree is the only way to do what you want to do, like if you want to be a doctor, then the system has already said you got to have it. But if it were me, and I assume the question is thrown to me, no chance of me being a doctor. I'm gonna get started right away. I think experience long term is gonna make you more money. So I think the four year head start is what I'm basically saying helps me in a variety of ways. I mature a little bit faster and better. I feel like I get a jumpstart on investing if we wanna play the money game. And I think that I move up the ladder faster. So I'm always going to be the efficiency guy. That's how I'm wired. If there is a shorter route, that's the one I'm taking.

[Rachel Cruze]

I love shortcuts.

[Ken Coleman]

Yeah.

[George Camel]

I'm intrigued by this scenario, Ken, because this is assuming you know kind of what you want to do.

[Ken Coleman]

That's correct.

[George Camel]

Because a lot of people would you say a lot of people go to college because they just don't know yet. And that's sort of buying some time, very expensively, to figure it out.

[Ken Coleman]

Yeah. Okay. But let's say this. Okay. Let's say that you don't know what you want to do. And a lot of kids will pick like a communications or a business degree. It's a very. There we go. Okay, so. Wow. I didn't even do any research. This is great. It's rare that I look this smart. All right, so let's take both of you. So those are good general degrees. And Kiplinger says all these are good degrees and they're versatile and all the blah, blah, blah, blah, blah. Here's the Deal though. It's like, okay, I'm going to go get in sales. Because if you want to be in communications or you want to be in business, sales is a part of the deal either way.

[George Camel]

And if you do that, when I.

[Ken Coleman]

Be a good salesperson, I get better as a communicator. If I'm going to be in business, I need to understand revenue generation. So for me it's like, get the kid out there and let them get some hard knocks and learn how to sell. Learn how to hear. No, learn how to celebrate a win. Learn how to prospect, learn how to build a pipeline. I could make the case about why.

[Rachel Cruze]

That'S a better decision. I'm going to say the only pro. No, not the only. I'm sorry. One of the pros to college is I'm like, you're 18 years old, like you're still a kid and if you have the funds to be able to go to college, whether it's a scholarship grant, parents, that 18 to 21 year old phase of life, I feel like you grow up so much in it and still being in somewhat of a system that's kind of guiding you in that and you're getting educated.

[Ken Coleman]

How much guidance are kids getting in college? Well, I mean, I'm devil's advocate from.

[Rachel Cruze]

Like a schedule perspective though of what you have to do.

[Ken Coleman]

These kids are getting hammered.

[Rachel Cruze]

Well, no, I'm not talking about their extra. I'm not talking about their extracurricular activities.

[George Camel]

I'm talking about Rachel's personal college experience camp.

[Ken Coleman]

I think it's sanctioned irresponsibility in the guise of growing up. And I say, how much better can we grow up if we throw these kids to the real world?

[Rachel Cruze]

See, I think you can be at the real world at 21.

[George Camel]

Okay, let me go the in between.

[Rachel Cruze]

I'm going to college.

[George Camel]

I say go to Europe. You can do that for 10 grand and you'll have way more, you'll be way more cultured big time than going to college.

[Ken Coleman]

Well, George's idea.

[George Camel]

Better than yours at ut?

[Ken Coleman]

Yeah, go learn how to freaking live in Portugal.

[Rachel Cruze]

Okay, we disagree.

[George Camel]

There's definitely no, there's no one stop shop. It depends on the kids.

[Ken Coleman]

I'm not anti college and I do.

[Rachel Cruze]

And I do think going to some like crazy expensive private school for a general degree going, I mean all of that I think is silly. I think you need to be smart about it. That's why I do love in state colleges, a community college, like be smart about it.

[Ken Coleman]

Keep in mind my oldest is in Chicago right now at a very ritzy film school. Film school. So, okay, you know, I'm just telling you what I would do.

[Rachel Cruze]

Fair. All right.

[George Camel]

That is very fair.

[Rachel Cruze]

Next scenario, George.

[George Camel]

All right, question number two. You're offered a promotion that doubles your pay, but it's in a city you think you'll hate. Do you take the promotion and higher pay because you can always move back, or do you choose contentment and stay? Because if it ain't broke, don't fix it.

[Ken Coleman]

It depends on where I'm at financially. If I'm in debt or I need to be saving money for a house, and I want to fast forward the process of a getting out of debt or saving for something very important and thus not getting into bad debt, I'm going to take the pay raise in a city that I'm not thrilled about. And it comes down to this theory, and this isn't my language, but somebody once said it, do what you have to do so you can do what you want to do. And so I would absolutely, if I needed the money, if this were fast forwarding my life financially, I'll take the double pay in a city I don't want to be in. And the answer is in your question, because I can always move back. Freedom is huge. And sometimes we have to take the better paying job, pay our dues, if you will, to have the life we want.

[Rachel Cruze]

That's good. And you know what's crazy is how fast time does go. So you talk about three to four years. What's the point that just flies? I mean, honestly, now, if you have to be there for 20 years or something, I don't know if I'd want to play it. No, but if it's like for even three years, think about it. 2023, just here. And look at us now in 2023.

[Ken Coleman]

Look at us now. I love the eye blink. You really sold it. I wasn't sure until you went, it's.

[George Camel]

A guy dream of gene.

[Ken Coleman]

2023, it's gone. And I was like, she's right. Where did 2024 go?

[George Camel]

Well, an important part we're leaving out here is your stage of life. You know, are you in your early 20s and single, or are you 44, married with a couple kids? That's a much harder sell. There's other people involved. There's schools, there's the spouse's job.

[Ken Coleman]

Let me point out, for your young kids. Watch me right now, they're gonna be teenagers.

[George Camel]

In a blink of an eye, they'll be three years old.

[Rachel Cruze]

In the blink of an eye. That's what I was very.

[George Camel]

So that's my take.

[Ken Coleman]

Favorite part of the show right there.

[George Camel]

I'm gonna move to the city if I'm single and there's less people involved 100% of the time.

[Ken Coleman]

Oh, my gosh.

[George Camel]

Now, here's the other question. What city would you hate to live in?

[Ken Coleman]

Ken, of all the cities in America.

[George Camel]

What'S a city you think you would hate to live in?

[Rachel Cruze]

And we're sorry for whoever lives there.

[George Camel]

Yeah. This is not throwing shade at people who live in those cities. Just not Ken's preference.

[Ken Coleman]

Milwaukee.

[George Camel]

Oh, yeah.

[Rachel Cruze]

Oh, yeah.

[George Camel]

What's that? What's it about?

[Ken Coleman]

Milwaukee. Don't know. I just picked a city. I think Wisconsin.

[Rachel Cruze]

Detroit is tough.

[Ken Coleman]

Detroit would be tough. My mom's from there.

[George Camel]

Is it a sports thing for you?

[Ken Coleman]

No, I just thought climate cold is huge for me. I am a Southerner and half my family lives in Michigan. I'm a Michigan football fan. Everybody knows this about me. But I gotta tell you, you're not moving to Michigan. I am a fair weather fellow.

[Rachel Cruze]

Yeah. Can I say this? I think West Texas would be hard. Like a small town there. I'll tell you, like Midland, Odessa.

[Ken Coleman]

We did an event in Midland. God love you, folks.

[Rachel Cruze]

I guess you set me up to.

[Ken Coleman]

Get hate mail here. I won't read it, by the way. No way. I'm living in West Texas.

[Rachel Cruze]

That's hard. That's a hard city.

[Ken Coleman]

I'll tell you where else I'm not.

[George Camel]

Going to look out.

[Rachel Cruze]

Literally. And there's nothing as far as the out. And it's not even like, green grass pastures.

[Ken Coleman]

I want to revise my answer.

[George Camel]

Okay.

[Ken Coleman]

Number one city in America. I don't want to live in Des Moines, Iowa.

[George Camel]

Oh, wow.

[Rachel Cruze]

I love Des Moines.

[George Camel]

Des Moines was really good.

[Rachel Cruze]

Des Moines is actually wonderful.

[Ken Coleman]

It's as flat as this floor.

[George Camel]

No, zero right now. Maybe Ankeny. But not Des Moines.

[Rachel Cruze]

No Des Moines.

[Ken Coleman]

Not going Des Moines.

[Rachel Cruze]

Akron. Akron's tough.

[George Camel]

Akron, Ohio.

[Rachel Cruze]

Okay. Des Moines is actually. I don't mind Des Moines. We went on a live event there and I'm being like, oh, this city's, like, cute, too.

[Ken Coleman]

What time of year was it?

[Rachel Cruze]

True.

[Ken Coleman]

Thank you very much.

[George Camel]

It was nice weather.

[Rachel Cruze]

True.

[George Camel]

I digress. But that conversation grenade was a lot of fun.

[Rachel Cruze]

Yeah, you were gonna hate us in the comments.

[Ken Coleman]

Tough to put me on the spot there. There was no research involved in that. That was just off the cuff.

[George Camel]

Oh, I was gonna say upstate New York.

[Ken Coleman]

You see what I just did?

[George Camel]

I just feel like upstate New York would be a tough life.

[Rachel Cruze]

Oh, like a Buffalo.

[George Camel]

Yeah.

[Ken Coleman]

Oh, Buffalo.

[George Camel]

You know what I mean? Just. That's a tough life. You're mostly in blizzards.

[Ken Coleman]

Yeah. But at least you have the bills. One of the seven wonders of the world. You got nothing in Des Moines but a sandwich.

[George Camel]

What's the wonder? Niagara.

[Ken Coleman]

Niagara Falls.

[George Camel]

Yeah. But when you share it, it's a shared space.

[Ken Coleman]

But it's close by.

[Rachel Cruze]

It's a shared space.

[Ken Coleman]

There's nothing close by to Des Moines that you want to see.

[Rachel Cruze]

Y', all, Des Moines is not bad.

[George Camel]

We're taking Ken to Des Moines. I can't wait for the comment section.

[Ken Coleman]

To be like, des Moines hates me.

[Rachel Cruze]

Yeah.

[Ken Coleman]

I'm telling you. All right.

[Rachel Cruze]

Do you know what else is super stressful?

[George Camel]

What's that?

[Rachel Cruze]

It's having all of your info online and not realizing where it is.

[George Camel]

Oof.

[Rachel Cruze]

So that's why we love Delete me.

[Ken Coleman]

I love to be deleted.

[Rachel Cruze]

Delete Me off the Internet.

[George Camel]

Ken loves to not be found.

[Ken Coleman]

I don't.

[Rachel Cruze]

It is tr.

[Ken Coleman]

Delete me. No problem.

[Rachel Cruze]

Because all of our info is out there. And you don't realize it, but all the newsletters you sign up for and coupons, all the things sold, shared, traded.

[George Camel]

Like Pokemon cards out there.

[Ken Coleman]

Yes.

[Rachel Cruze]

All your info's out there. And then it goes on these data broker websites. And then the data brokers sell your data. Then you get spammed and texts and emails and all that.

[Ken Coleman]

Hey, person. I am not data. Thank you very much.

[Rachel Cruze]

That's right.

[Ken Coleman]

Thankfully, our friends at Delete Me treat me like a human.

[Rachel Cruze]

They do.

[George Camel]

And there's real humans behind the scenes deleting your info for you. And they send you a great PDF report.

[Ken Coleman]

Every part of Delete me. They keep you off those lists too. They don't just get you off one time. They keep rechecking my favorite part.

[Rachel Cruze]

We love that. Thank you.

[George Camel]

What do you got to lose? Go check them out and make privacy goals. One of your goals in 2026, go to joindeleteme.com smartmoney and you'll get 20% off their annual plans. We'll also drop a link in the description below.

[Ken Coleman]

I wish they could delete me from your cell phone.

[George Camel]

My cell phone?

[Ken Coleman]

Oh, yeah.

[George Camel]

I'll always have your call.

[Ken Coleman]

I get the obnoxious text from George.

[George Camel]

That was a mistake you made.

[Rachel Cruze]

What is that?

[George Camel]

Back in 2012 making that up?

[Ken Coleman]

Not at all. Geor. I don't want to be deleted at all.

[George Camel]

There's a Send later feature on iPhone and so I'LL schedule a text to Ken in the middle of the night just to troll him.

[Ken Coleman]

Which Ramsey personality is Most likely to FaceTime you for a fun fact? Ken Coleman, thank you very much.

[George Camel]

Which gives me such anxiety. And I get a FaceTime from Ken DeLoney.

[Rachel Cruze]

Will FaceTime you'll FaceTime like, especially if you have someone.

[Ken Coleman]

Sometimes I get Rachel and Winston both to accept, But I always FaceTime for a good reason.

[Rachel Cruze]

That's true. Yeah.

[George Camel]

Yeah. I try to accept whenever I get.

[Ken Coleman]

It's not a wasted FaceTime. It's not like, hey, how you guys doing? Mm. It's not that.

[Rachel Cruze]

No. Yeah, you tried FaceTime me the other day. Someone you met, loves smart money, happier.

[George Camel]

Oh, that's right.

[Rachel Cruze]

And you're like, let's FaceTime Rachel, see if we can get her on the phone.

[George Camel]

It feels like an easy surprise and delight, but she screams, my face.

[Ken Coleman]

You get nervous when I FaceTime you?

[George Camel]

No, I don't get nervous. I'm usually just not in a place where I could FaceTime. You know, like, I'm putting the baby down or something. You know, I'm a dad.

[Rachel Cruze]

Ken George says that has a busy.

[Ken Coleman]

Life, as am I.

[George Camel]

All right, this is where things start to heat up. Okay, you land your dream role, but it pays less than your current job. Do you take the job because your fulfillment is worth more than any money lost, or do you follow the money and stick with your current gig? Staying stable in this economy is paramount.

[Ken Coleman]

Simple caveat here. If I can absorb the pay cut in order to get the dream job, in other words, can I change my lifestyle to be able to absorb it? If I can't? No, I'm not gonna do that. I'm gonna have to say, I have to be a mature adult and press pause and say, not now. So, you know, we've had those calls come in on the Ramsey show. I've taken those calls on the Ken Coleman show years ago, and that's my answer every time.

[George Camel]

A financial reality.

[Ken Coleman]

Yeah. I'm okay with you going backwards. If you can change your life to be able to do so.

[George Camel]

Okay, are you saying it's temporary? Cause I've heard you say, hey, yeah, you might go backwards, but don't let it be forever. Financially.

[Ken Coleman]

Well, yes. So let's just take the real numbers. Let's take the Ramsey millionaire study. Largest millionaire study ever done. 10,000 everyday millionaires. And the fourth group were teachers. And you take the. I think the median. You guys can check me on this, but not too long ago, the median salary in the United states for teachers, $64,000. So if your dream job is to be a teacher and you were in pharmaceutical sales but making hundreds of thousands. Yeah. And to drop back to 64, I mean, I get that that's controversial to some, but for me, I go, if that's what you really want to do and it makes your life really, really complete and that it's meaningful work, then you've got to adjust your lifestyle. And so if you can adjust your lifestyle, we've proven that you can be an everyday millionaire making that. So that's what I'm saying.

[George Camel]

I'm very tactical about it.

[Rachel Cruze]

Is there research around? So, yeah, use that same example and say you could have gone on X number of vacations, bought X type of car, whatever, with all this money in pharmaceutical sales. And then you go backwards. Is there any data of like going down in lifestyle but up with satisfaction of work?

[Ken Coleman]

Sure, absolutely.

[Rachel Cruze]

Is a happier life, net positive. It's a great book versus I can reference it working. Yeah. A job you hate, but you get to buy things, you know what I mean?

[Ken Coleman]

A guy by the name of Poe Bronson, respected member of the media, wrote a book called what Should I Do with My Life? It was a runaway bestseller. And he basically went and interviewed all these people that left higher paying jobs to downshift their life a little bit. But it wasn't just money, it was meaning, it was lifestyle. So, yeah, I mean, I tell you, I have sat with, sat across the table with New York executives who are sitting there going, ken, I'm absolutely miserable.

[Rachel Cruze]

Miserable.

[Ken Coleman]

And I said, well, what would life look like if you could paint it really quickly? And they describe a life that is less money, but that's the start of it. What's below the less money is a very different life. So there's no question there's tons of data about meaningful work. And so what you have to do there is again, you have to change your lifestyle financially to take a pay cut. So if you're willing to do that, I'm all for it. But if you're $250,000 in debt, I'm not gonna say this is a good idea for you to take your dream job.

[Rachel Cruze]

Totally, totally. It reminds me, well, there was like, okay, back in the day, you know, when you get forwards from.

[George Camel]

Oh yeah, this is one of those.

[Rachel Cruze]

Stuck with me, y'. All. Y' all probably have heard it. I think it's like a. I mean, it's a fake story. But if like a fisherman in a small town, let's say in Spain, have you heard this?

[Ken Coleman]

Yes.

[Rachel Cruze]

Have you heard this? Okay.

[Ken Coleman]

No, I haven't.

[Rachel Cruze]

Okay. And he's like, in a small town, and he, like, plays music at night with his friends, you know, has a couple of glasses of wine, hangs out with his family and goes to bed, wakes up, does it again. Does it again. And, well, a tourist came by, an American tourist, and was like, you could triple this business if you got another fishing boat and hired more people. And he was like, oh, okay, then what? He's like, well, then you get a fleet, and then you can actually expand into other countries very easily. You would be that, and you'd be making quadruple this. He's like, okay, and then what? Then he's like, and then you sell it and you make all this money. And he's like, then what? He's like, well, then you get to play music with your friends at night and drink beer and hang out with your family. And he's like, but I'm already kind of.

[Ken Coleman]

I already do that.

[Rachel Cruze]

Kind of already doing that.

[George Camel]

You know, it's a great story.

[Rachel Cruze]

Same idea, right? Of, like, what you're chasing and what you're wanting. And I think the truth of, like, our stuff is fun. You know, we're never against stuff around Ramsey. We are great with you getting great cars and doing great trips, all of it. But it doesn't satisfy. Like, there's something about the meaning of life with relationships, your contribution to the world. Like, there are these big things in life that really do bring satisfaction. And it's not all just, like, the little things.

[Ken Coleman]

I'm so glad you did that.

[George Camel]

I think this.

[Ken Coleman]

If I could give anybody one question to wrestle with over the next 30 days, it's what do you want your day to look like?

[Rachel Cruze]

Yes.

[Ken Coleman]

Write that down for 30 straight days. What do you want the day to look like? And I think you might throw a lot of stuff. And I want to be at the country club or I want to do this. But I think if you keep doing that, by about day 10, 11, 12, you start to really drill down on what do I want a day to look like? And it's a lot cheaper than you think. That's what I would put out there.

[Rachel Cruze]

I love it.

[George Camel]

That's good. So the question to ask is, I like that. And then what? Because that causes you to drill down into what you're really wanting. Cause if it's a nice car and a flex life, eventually you're gonna realize that was an empty goal.

[Rachel Cruze]

Yeah. Yeah.

[George Camel]

But what I'm hearing you say Ken is you would be willing to take a pay cut to do your dream job, which I assume is pickleball instructor at the old folks home. You'd be willing to take the pay cut for that.

[Ken Coleman]

I will tell you, when I'm in my 70s, that is a dream job because I'll be communicating and coaching with people.

[George Camel]

That's a captive audience. They literally can't go anywhere.

[Ken Coleman]

Yeah, yeah, yeah.

[George Camel]

You're forced to listen to it.

[Ken Coleman]

It's a funny setup, but it's actually some great truth there. My whole thing to everybody is I believe God created us to do unique and it's wired to us like it's our personality, it's our experience. And I do think there's something to be said for doing something that you actually really enjoy and you don't have to do it, but you actually want to do it. I think if we just simplify it, that's the goal. And you know, I'm into this whole blue zone thing. Have you seen this documentary?

[Rachel Cruze]

No.

[Ken Coleman]

This guy went out and studied the blue zones where people live longer.

[Rachel Cruze]

Oh yeah. Well, there's quoted in Comfort Crisis.

[Ken Coleman]

That book.

[Rachel Cruze]

Yeah.

[Ken Coleman]

There's just something to be said.

[Rachel Cruze]

It's fascinating.

[Ken Coleman]

Yeah, there's something to be said for doing something that's strenuous and some hard work that you enjoy and then like you're done with it and you eat a good meal and you spend time with good. And I'll tell you, I'm the oldest of this group. Obviously the older I get. I'm middle aged now. I'm 51 and I've achieved a lot of the things that I wanted to achieve. And I'll tell you, sitting here right now, for me, I'm now focused on enough. What's enough? In other words, what's comfort look like to take care of my family. And outside of that, it's like who am I having dinner with? What are the activities that I want to do? And you all know me, I'm not a keep up with the Joneses. Hey guys, on Instagram here, you don't.

[George Camel]

Even know how to do that.

[Ken Coleman]

I don't even know how to do it. But I do think that a good meal and a good conversation with good.

[George Camel]

People.

[Ken Coleman]

That'S a dream life.

[Rachel Cruze]

And if you had that consistently.

[Ken Coleman]

And I do, yes, Good conversations.

[Rachel Cruze]

So do I.

[Ken Coleman]

Good food, good people.

[George Camel]

Ken does it in real life. Rachel's on Marco Polo.

[Ken Coleman]

You know what? I didn't add good cocktail.

[George Camel]

That's true.

[Ken Coleman]

So what does it cost you to spend enough Time with good people over good food with a good cocktail.

[Rachel Cruze]

It is, I'm telling you, relationships at the bottom of it all. It's what people crave.

[Ken Coleman]

If I had every 21 year old dude sit in front of me, I'd go figure that out.

[Rachel Cruze]

Yep.

[George Camel]

Craft a life that gets you to that result.

[Ken Coleman]

It's a good life.

[Rachel Cruze]

Great life. Yep.

[George Camel]

I'm telling you, this is a free show. But people should be paying for this level of wisdom. Ken is bringing it.

[Ken Coleman]

I don't know if that's true.

[Rachel Cruze]

Is any of the blue zones. There was something in the comfort crisis, which I thought was fascinating. It's about the. It kind of goes into cold, plunging. But these women that fish.

[Ken Coleman]

Yeah.

[Rachel Cruze]

It's off of a. It's in Asia. I can't remember. But they go into some of the coldest water. But they like, literally will fish, they'll dive in.

[Ken Coleman]

Oh, they're in the water.

[Rachel Cruze]

Yes. These women. And they are. They're like some of them in their 70s and 80s, but they have the best lung capacity of anyone in the world. Like when they study all these different parts.

[George Camel]

That's why they live so long.

[Ken Coleman]

Yes.

[Rachel Cruze]

All of it. And you're like. But to your point, mobility suffering capacity creates such beautiful results, which is the gospel. Right. We could go on and on and on, but it's true. Like, there's something in that that's so real. And we try so hard to avoid the hardship where the hardship is the way.

[Ken Coleman]

It's the magic.

[Rachel Cruze]

It's the way.

[Ken Coleman]

Rachel just nailed that, by the way. She crushed that. It's hard things that's doable, not hard things that are impossible. Hard things that are doable and then turn it off. But culture. And then restart.

[George Camel]

The next thing is culture pushing against the hard things going, No, I want the easy. Of course.

[Ken Coleman]

Everything's about the frickin.

[George Camel]

Life is already hard, Ken. Why would you want me to do more hard things?

[Ken Coleman]

Because you appreciate that butter spread. When you turned it.

[George Camel]

That Sound of Music really, really affected you.

[Ken Coleman]

That was a perfect reaction. That's exactly the reaction I wanted.

[George Camel]

You can't get ice cream without churning the butter. All right, thanks.

[Ken Coleman]

Am I right right now? I got. I don't appreciate buttering my bread right now.

[George Camel]

Yeah, I'd like churn the ice cream.

[Ken Coleman]

You better believe I would appreciate it.

[Rachel Cruze]

All right, y' all just spin the wheel on the little board. If you can imagine.

[Ken Coleman]

Do we have a wheel here?

[Rachel Cruze]

No, I was just.

[Ken Coleman]

Hold on, let me do it.

[George Camel]

Can't afford it.

[Ken Coleman]

Okay.

[Rachel Cruze]

And Land on a work bonus. That could go towards a big expense on your list. Do you, A, replace pay to replace your vehicle or B, fix the foundation issues on your house?

[Ken Coleman]

Those are my only options, according to.

[Rachel Cruze]

This game of life. It is.

[Ken Coleman]

Well, I guess you gotta fix the foundation. Good heavens. I feel like a schmuck if I go get a better car. But I got a crack in my foundation at 3 in the morning. I get out of the bed to, you know, go to the potty, and all of a sudden the whole house lurches left. I feel like a real idiot.

[Rachel Cruze]

We don't want that.

[Ken Coleman]

I don't want that.

[Rachel Cruze]

You got a good car in the driveway.

[Ken Coleman]

All I wanted to do was pee. The house is to the left. I feel like that's a problem. So, I mean, that wasn't like a.

[George Camel]

Really tough choice foundation for you.

[Ken Coleman]

I think it has got all kinds of metaphors. I'm gonna stay away from that.

[George Camel]

I assume the vehicle is running. That's the other question here. Like, is it a quick fix? How much is the bonus? You know, there's further questioning I have.

[Ken Coleman]

I'm gonna Uber before I live on a house that's got a cracked foundation.

[Rachel Cruze]

Yeah, true.

[George Camel]

For the sake of this argument, foundation issues across the board.

[Rachel Cruze]

And if you have to replace the car, remember, do it with cash. Be smart.

[George Camel]

Right?

[Rachel Cruze]

So we always see cash.

[George Camel]

Don't go crazy and go take out a loan just because the dealership told you you can afford the payment.

[Rachel Cruze]

Yeah, no.

[George Camel]

That's how they get you.

[Rachel Cruze]

It's unbelievable. Well, George, I can tell you in our house, you know what we've been using a ton of?

[George Camel]

What's that?

[Rachel Cruze]

The cuddle blanket from Cozy Earth.

[George Camel]

It's that time of year.

[Rachel Cruze]

Oh, my gosh. Cozy Earth. The blankets, the bedding, the sheets, everything about it. The towels, the towels. Have you had the new towels?

[George Camel]

The new luxe towels? Like, my life is pretty hard right now, and that towel is so soft that it all balances out.

[Rachel Cruze]

Actually, we got someone DMed both of us.

[George Camel]

That's right.

[Rachel Cruze]

About the towels.

[George Camel]

They sent us a picture of the luxe towels and they're like, I finally got rid of my dingy old towels. I upgraded thanks to you guys, and it made my day.

[Rachel Cruze]

Yeah. Oh, they are amazing, you guys. Absolutely amazing. And the Baja Collection with the sheets and the bedding, it's beautiful. So cozy with always is bringing out some incredible things. Products that are quality but also incredible. Like from the texture to the look of it.

[George Camel]

All of it. The durability.

[Rachel Cruze]

Yes. So get some quality things in your life. Make sure to check out Cozy Earth.

[George Camel]

And just for our smart money happy hour listeners, you can get up to 20% off when you go to cozyearth.com smartmoney and use promo code smartmoney to get an even better deal. Ken, I told you, it's heating up. This is what I'm talking about. You spin the wheel and you're laid off. Which side hustle are you? Starting tomorrow, you work in retail at a strategic store where you can get a discount. Looking at Vineyard vines for you, most likely or not Vineyard Vines, or are you going to live on savings and launch your freelance career online?

[Ken Coleman]

Well, I'm not doing that. Let's just. We hear that we get that call a lot on the Ramsey show, all of us, and you know, that's, that's such a bad play because we have urgency is what we're dealing with, and we tend to go, oh, well, I've been kicked out of the nest. And so now I'm going to go into the ideal, and ideal needs to stay over here. We've got problems. We got real issues. So I'm going to go urgency. So I don't know if it's the retail, but out of the two options, that's what I'm going to do. But the real advice I would give somebody is based on your work experience and your skillset. Let's go look for freelance opportunities. The best bang for your buck with your time is where I've got a transferable skill and I'm going to see if I can get some type of contract work. Getting in the car and driving Uber is probably not the best exchange of your time. So it goes back to the old time is money, which is true. And I think when you're trying to ideate and you're in a scramble, but, but, but pause long enough to go, okay, where can I get the best exchange for my time? And at least try that. You can always jump in the Uber and do the delivery. And I'm not knocking that, but let's at least look at if I have some skills.

[George Camel]

Maximizing skills.

[Ken Coleman]

Yeah, I want to at least maximize that.

[Rachel Cruze]

Yeah, no, I agree. Or bang for your buck, if you will.

[George Camel]

Well, in the Living on savings always frightens me because I'm going, you're going to turn this cushion into a whoopee cushion. What's my number one deflate real quick?

[Ken Coleman]

You know, to answer that, my number one pet peeve on the Ramsey show is when we get calls where people use the emergency fund for things that I don't think they should use it for. I think you use it when your AC goes out. Okay. When you lose a job, I'm gonna try to do everything in my power not to touch the emergency fund. If that's working three jobs, I'm gonna go do that. Now, I'm not saying that's fundamentally correct, but I'm telling you philosophically. I get irritated, I go, don't touch the emergency fund. When you lose your job. If you can keep from it. Go work while you're applying.

[Rachel Cruze]

Keep the momentum going.

[Ken Coleman]

Keep making some money.

[Rachel Cruze]

Because after two or three months, that drains. Goes quick so fast.

[George Camel]

And then you got a whole thing to build back up once you even do have a job.

[Ken Coleman]

Great point. So I'm not for touching the emergency fund. If you can keep from it when you lose a job, that's good.

[Rachel Cruze]

Love it. Love it. All right, next. You want an inheritance. You won it.

[George Camel]

I don't think you win.

[Rachel Cruze]

I don't know if you win, but.

[Ken Coleman]

You can win the lottery. But you can't win an inheritance.

[Rachel Cruze]

I know. Well, this one you can't get. This is the game of life, okay. Oh, maybe that's what. That's. Maybe that's what that means. You draw the card and you have won.

[George Camel]

Perfect.

[Rachel Cruze]

So I'm getting an inheritance of $25,000 in stocks from a relative. What do you do with the money?

[Ken Coleman]

25,000. Do I have debt?

[Rachel Cruze]

I don't know. I would say that. Apply it to the baby step. I think we're 100%.

[Ken Coleman]

You know, I'm gonna go there.

[Rachel Cruze]

Yeah, yeah.

[George Camel]

So if you have debt, let's pay off the consumer debt. If you don't have your emergency fund, let's stack the emergency fund. And if you're good on that, we can.

[Ken Coleman]

That's the fun.

[George Camel]

It opens things up.

[Rachel Cruze]

Yes. Then let's pretend you have no debt. And emergency fund.

[Ken Coleman]

Oh, now. Okay, now.

[Rachel Cruze]

Now what do we do?

[Ken Coleman]

That's my favorite one.

[Rachel Cruze]

Okay, now what do we do?

[Ken Coleman]

We're gonna celebrate.

[George Camel]

Well, number one, we need to sell the stocks. I think we need to talk about that.

[Ken Coleman]

Cash in. I want the cash. And we're gonna celebrate. We're gonna do something fun. Hate to see Uncle Larry go. He was awesome. He was my favorite uncle, but he gave me 25,000. And so we're gonna take a trip. It's one of my favorite lines in Four Christmases with Vince Vaughn and Reese Witherspoon. We take the trips. Great way.

[Rachel Cruze]

We take the trip.

[Ken Coleman]

I think I'm gonna take a trip. In this scenario. We're gonna make a memory where you go, I'm gonna call all the kids. Cause my kids are older now. 20, 18, 17. I'm gonna go, we're gonna make a memory. So that's what I'm doing with some of the 25. And then I want to make that.

[Rachel Cruze]

Can go fast on a trip.

[Ken Coleman]

I understand. I got two things I'm going to try to do. I'm going to see what that trip, you know, I'm going to decide, and I'm either going to spend it all or I'm going to spend some of it on a memory and then get ahead of it. So we use it to invest in something, whatever. I think that would be my. The top two options. Do I want to invest this or do I want to spend it for a memory? And I think 25 grand at baby step four and beyond. Let's honor Uncle Larry, get a memory. Let's go to Portugal.

[George Camel]

Let's do the trip to Portugal.

[Rachel Cruze]

Let's go to Spain.

[Ken Coleman]

Spain. Let's run with the bulls.

[Rachel Cruze]

Why we keep saying Spain?

[Ken Coleman]

I don't want to run with the bulls. I don't know why I said that.

[Rachel Cruze]

Yeah, we don't want to do that.

[George Camel]

I could see you wanting to, like, cosplay and dress it up.

[Ken Coleman]

You know, that would be me. I would dress up and do the Instagram pictures, but I would never actually, like. I would have an ankle injury right before the whole thing started. I go, guys, I'm out. I'm sorry.

[George Camel]

Go without me. And plus, you look great in white pants. I think that's a plus.

[Ken Coleman]

And a red scarf, I might add.

[George Camel]

I told you. He wants to cosplay.

[Rachel Cruze]

Loves it.

[George Camel]

That's good. 25 grand. Selling the stocks.

[Ken Coleman]

What do you do with 25,000?

[George Camel]

Number one, we got to look at the tax implications of selling these stocks, make sure it's tax free. Number two, I got to talk to my spouse, look at our family goals. I'm not going to make decisions without her.

[Ken Coleman]

You're not going to surprise her with a great trip?

[George Camel]

I'm going to probably. I'm going to give a portion of this, a healthy portion to the needy.

[Ken Coleman]

Really?

[George Camel]

Yeah.

[Ken Coleman]

Are you.

[Rachel Cruze]

He's just our little angel.

[George Camel]

Yeah.

[Ken Coleman]

You're going to give some of it, Uncle Larry?

[George Camel]

25? Yeah, I would give some of it. I would spend some of it. And I'd probably like, fully fund IRAs for the year. So I'm probably gonna do a mix of all Three. So I feel balanced.

[Ken Coleman]

I would assume you're already doing that.

[Rachel Cruze]

He's really fun.

[George Camel]

I'm just saying in a hypothetical scenario. But no. 25 grand. That's. Whitney says do whatever you want with it and you don't have to do anything.

[Ken Coleman]

Will you please humor us? I think the audience who loves you wants to know if you didn't have to do all of those things. George, if you were gonna have fun.

[Rachel Cruze]

You could buy a skateboard.

[Ken Coleman]

Would you please tell us what you would do with 25?

[George Camel]

A skateboard? That's 200 bucks.

[Rachel Cruze]

Don't you love SK skateboards?

[George Camel]

Yeah, I did that. It's 200 bucks.

[Rachel Cruze]

Like, 25,000.

[George Camel]

We have 24,800 left.

[Ken Coleman]

The audience wants to know, what would you do for fun with 25,000?

[George Camel]

I would do a trip to Disney, which would burn most of that money.

[Rachel Cruze]

That's what we like to hear.

[George Camel]

And truthfully, probably buy a nice guitar that would sit on a wall that my wife would be angry about later. Like, I knew you weren't going to play it, but it'd be a nice guitar and she'd be right. All right.

[Ken Coleman]

I think the audience really wants to know what Rachel would do at 25,000 that you didn't have to do anything positive with.

[Rachel Cruze]

I would do a trick trip where.

[George Camel]

What about the Amazon shopping spree?

[Ken Coleman]

Stop.

[George Camel]

You had to add 25 grand to cart.

[Rachel Cruze]

I. I spent more before Christmas.

[Ken Coleman]

Oh, boy.

[Rachel Cruze]

On myself.

[Ken Coleman]

Oh, boy.

[Rachel Cruze]

Than I think I've ever spent.

[Ken Coleman]

Can we get another?

[Rachel Cruze]

All right, we got. Well, okay. That was. Sorry, I made that really dramatic. I was. I have spent more on something, but, like. Like, kind of like a little bit flippant where I'm like. Because I don't spend a lot, y' all genuinely. Like, if my cart on Amazon's like, a little over a hundred dollars, I'm like, like, hm, what's in here? Like, what are we? Like, I'm not a big dollar amount spender. I buy quantity, right? Like, I will buy, like, lots of earrings that are like $7.99.

[Ken Coleman]

Really?

[Rachel Cruze]

So I did. Yeah, yeah, yeah. I don't buy, like, super nice stuff. Like, if I buy something that's, like, over. I'm not kidding. Over 50, I'm like, all right, I'm buying this. But I did, y'.

[George Camel]

All.

[Rachel Cruze]

I bought. Are you ready? Should I. I'm going to tell y'.

[Ken Coleman]

All, this is what people want to know.

[Rachel Cruze]

I bought the Dyson hair dryer.

[Ken Coleman]

I hear. I hear the ladies in the.

[George Camel]

On the set going Y' all have no idea.

[Rachel Cruze]

Guess.

[George Camel]

Is it the air wrap?

[Rachel Cruze]

Let's go. No, not the air. Stop.

[Ken Coleman]

George, you should know any of this.

[George Camel]

I know my Dyson products.

[Ken Coleman]

Oh, boy.

[Rachel Cruze]

And it was a Black Friday sale. But how much do you think that hair dryer was?

[Ken Coleman]

I don't know anything. Let me take a wild guess, because I don't know.

[George Camel]

I'll let you go first.

[Ken Coleman]

I'm gonna say it's $600. Okay.

[Rachel Cruze]

It makes me feel better. Down a little bit.

[George Camel]

I would say on sale for 450.

[Rachel Cruze]

Oh, my gosh.

[Ken Coleman]

Cause George probably owns one.

[George Camel]

I don't. I didn't spring for that one, but I know that nor. Retails for about 600.

[Ken Coleman]

How much do you spend on your hair dryer?

[George Camel]

My hair dryer? Honestly? The Latest one. Amazon.

[Ken Coleman]

50 bucks. Why is that insane?

[Rachel Cruze]

450 for a hair dryer.

[George Camel]

Ancestors rolling on the gray hair.

[Rachel Cruze]

It senses how close you are to your scalp.

[George Camel]

Is this what we got?

[Rachel Cruze]

Is this the result, y'?

[Ken Coleman]

All?

[George Camel]

It is. Did you use it today?

[Ken Coleman]

Your hair does look great.

[Rachel Cruze]

I used it yesterday. I didn't wash my hair today. Every three days. But yesterday was my hair washed out.

[George Camel]

I mean, I'm impressed.

[Ken Coleman]

Does it do well with extensions?

[Rachel Cruze]

Yeah, it's great. Everything's great about it, y'. All. It's pretty awesome.

[Ken Coleman]

Do you know who doesn't have a hairdryer?

[George Camel]

Ken Coleman.

[Ken Coleman]

Look at this, folks. Look at these locks, as the kids call it. Lettuce? No, Hair dryer. This is au natural.

[George Camel]

That's kiln dry.

[Ken Coleman]

I let it air dry.

[Rachel Cruze]

What product do you use?

[Ken Coleman]

Crew.

[Rachel Cruze]

Oh, yeah, I know.

[Ken Coleman]

It's just a little bit. I emulsify it in my hands, go through about four times, and that's it.

[George Camel]

Ken is mostly made of clay. So we put them in the kiln, just let them dry naturally.

[Ken Coleman]

That's funny. I don't care who you are. That's what he used the word.

[Rachel Cruze]

Kiln.

[George Camel]

Kids.

[Ken Coleman]

Made of clay.

[George Camel]

Kiln dried.

[Ken Coleman]

I'm proud of the fact that I don't use a hair dryer. I'm gonna call you Kiln Coleman from Kiln Coleman. That's right. By the way, speaking of that same area, I would wear a kilt if it were acceptable.

[George Camel]

I could actually see that. But I also know what your legs look like, which is a hate crime.

[Ken Coleman]

They are very.

[George Camel]

To let those puppies loose.

[Ken Coleman]

I got bas just. It's gristle. Just skin and no muscle. Yeah. It's unfortunate, but I come from a Scottish descent and they wear them over there. But I would look silly in those things.

[George Camel]

You ever find like a chicken bone in the street?

[Ken Coleman]

That's like.

[George Camel]

I've seen some things. It's like aged, starting to deform a little bit.

[Ken Coleman]

That's what my legs look like. But they're very effective on the pickleball court.

[Rachel Cruze]

But. Yeah, but.

[Ken Coleman]

But I'm an athlete.

[Rachel Cruze]

I know. Muscled up because of pickleball.

[Ken Coleman]

No.

[Rachel Cruze]

Okay.

[Ken Coleman]

It's all tendon and ligament. There's no.

[George Camel]

His core is fantastic. Next up again, we are just warming up. Ken, in the game of life, would you rather be the breadwinner or the stay at home partner?

[Ken Coleman]

Breadwinner. I need pressure, number one. And number two, I need to get out of the house. That was an easy one. Love my wife. She's amazing. I remember in Covid, thankfully here at Ramsey we still came into work and I just. It was a blessing for me because.

[George Camel]

I just stir crazy.

[Ken Coleman]

Yeah, yeah, yeah.

[George Camel]

Would Stacy force you to get out of the house after about two or three days? Probably because you would get insufferable.

[Ken Coleman]

I need to be moving and doing things and I think I'd probably irritate her with the desire. Like, you know, I know for her. She loves like she's a homebody. That's a good thing. One of my kids, probably two of my kids are. I need to be on the move.

[Rachel Cruze]

I'm with you.

[George Camel]

All right, Rachel, what are you choosing?

[Rachel Cruze]

If it's. It's like you can't do like half and half. It's all or nothing.

[George Camel]

All or nothing.

[Ken Coleman]

It's a tough call here. Cause you enjoy being a mom.

[Rachel Cruze]

I like doing both. In this season. I'd be stay at home if I had to pick.

[George Camel]

Okay.

[Rachel Cruze]

Yeah, I could fill my days because I have to turn down opportunities and makes me sad. I love doing stuff at the kids school. They have like Friday store. They have reader, Friday reader, your math card, your math flashcard, volunteer. I mean like there's so many sign up geniuses at the kids school. I'm like, I want to do it.

[George Camel]

All sign up geniuses.

[Rachel Cruze]

Well, like the sign up genius, like the website, you know.

[George Camel]

Oh, that's the link they send all.

[Rachel Cruze]

The time with like different. I can't really do a lot of them.

[Ken Coleman]

And I.

[Rachel Cruze]

And I do this season alive.

[Ken Coleman]

I get it.

[Rachel Cruze]

But fast forward four to five years. Like when they hit high school, put me back in the studio. George, what do you.

[Ken Coleman]

What's your answer?

[George Camel]

I'm going breadwinner. And here's the thing. I'm very domestic. I Love being at home.

[Rachel Cruze]

But I could see you being a.

[George Camel]

Stay at home and I'm great at it. I'm just not. I like the house manager part more than the engaging with child all day. That part I get overstimulated.

[Ken Coleman]

You're a manager, not a waiter.

[George Camel]

Yes. Like two kids crying at once put me in an insane asylum. I'm useless.

[Ken Coleman]

Yeah.

[George Camel]

But like, if I get to clean.

[Rachel Cruze]

All day, I have three kids.

[Ken Coleman]

Oh, he has no idea.

[George Camel]

But if I get to like tidy up the house, light a nice candle, like, the house would be immaculate when you got home.

[Ken Coleman]

Basically, George was designed to be an empty nester.

[George Camel]

That's what I'm really angling at.

[Ken Coleman]

Hey, life's gonna be great. 25 years, I will crush it.

[George Camel]

I enjoy folding laundry.

[Ken Coleman]

Oh my gosh.

[George Camel]

You know, I like a.

[Rachel Cruze]

You know what I will say the season y' all are in, y' all are in a hard having a 2 year old and a newborn.

[George Camel]

Yeah. My wife stays at home for the record. And so I don't envy her for that.

[Rachel Cruze]

Like a two year old and a newborn is tough. That's a tough tire.

[George Camel]

This phase of life, I'm like, being at work is easier from an energy level. Being at home.

[Rachel Cruze]

I would agree with that. Yep.

[George Camel]

Totally glad we nailed that one.

[Rachel Cruze]

You know, regardless if you are a stay at home parent or the breadwinner, money has to be part of your life. And keeping your money somewhere that you trust so important. And that's why Winston and I love Fairwinds.

[George Camel]

When it comes to world class Ken, no one does it better than Fairwinds.

[Ken Coleman]

Nobody.

[George Camel]

They're best in class and they actually want to see their users get out of debt and stay out of debt, much like we do here at Ramsey. And that's why we partnered with them. We're on the same mission to help people become financially free. And they do that with their no fee checking account, high yield savings account, and their Ramsey branded debit card. We call it the smart bundle around here. And you can sign up, go get it for free when you go to fairwinds.org Ramsey we'll also leave a link in the description.

[Rachel Cruze]

Yeah, and it's really easy as well to set it up. Like even the app, it's so user friendly.

[George Camel]

5 minutes on an app and I was like, boom.

[Rachel Cruze]

And all of it's there. Yes. So seriously, transferring your money somewhere that you know is safe and it's with people behind the scenes that are for you, not against you when it comes to your money, that is fair One. So make sure to check them out. All right. You spin the wheel and can either take a job that pays double but requires you to work on weekends, or pays a normal salary with Fridays off.

[George Camel]

So you're working four days versus seven.

[Ken Coleman]

I hate to come back to my last.

[Rachel Cruze]

It's where you are.

[Ken Coleman]

Do I need the money to get out of debt or to save for something that's really important? Then I'm gonna double down and I'm gonna do what I have to do in the now so that I can do what I want to in the next. But I love the Fridays off. If you can afford it, I take the Fridays off. Cause again, I think the quality of life goes up to the next level.

[Rachel Cruze]

Yep, totally.

[George Camel]

So if you've got some financial foundation, I would 100% go with the four day work week over the seven day work week.

[Ken Coleman]

No question.

[George Camel]

Because the thing is, how long can you go for? Sustainably?

[Rachel Cruze]

Yeah, I was gonna say it sounds.

[George Camel]

Sustainable without getting burnt out, you know, and then needing to quit.

[Ken Coleman]

Can I throw a question back at you too? Let's say you guys are in the place and you are in this scenario where you don't have to work the extra day. What do you do on a four day work week? What's your Friday look like? George, what are you doing on your Friday?

[George Camel]

A little sleeping in.

[Ken Coleman]

Okay.

[George Camel]

Run some errands. I love.

[Ken Coleman]

You love a good errand.

[George Camel]

I love a morning errand when people aren't out as much. And yet these days when you go out in the morning, you're like, how are all these people here?

[Ken Coleman]

What's your favorite errand? If you can only do one errand the rest of your life, what's your favorite?

[George Camel]

Oh my goodness. Favorite errand? I would say wandering around. No list, no plan. A Trader Joe's, a Costco, an Aldi. Looking at the Aldi Finds aisle. Seeing the new seasonal items at a Trader Joe's. No one bothering me. Maybe headphones on. So no list.

[Ken Coleman]

You're just gonna go with the best no list. Appetite. Find in the moment.

[George Camel]

It's very peaceful, therapeutic.

[Ken Coleman]

I switched the question to the Friday.

[Rachel Cruze]

This would be a realistic one for my life today. Okay, perfect Friday. I'll be honest, I can't believe I'm saying this, but I am. Workout 30 minutes in the sauna. No interruption. I love my children, but they always interrupt that time. And I would like that. Get kids ready, take them to school, come back, get back in bed, watch a documentary till about 11 the mid morning doc. I love getting Back into bed. It's my favorite. It makes me feel so luxurious.

[Ken Coleman]

Do you swish your legs?

[Rachel Cruze]

No, I have a heating pad at my feet.

[Ken Coleman]

You have a heating pad? It's the best.

[George Camel]

I'm dreaming about it right now.

[Ken Coleman]

I'm a leg swisher. I'll be honest.

[Rachel Cruze]

We're gonna watch a documentary.

[George Camel]

I'm watching a freshly made bed. You can't be.

[Rachel Cruze]

Then I'm gonna go out to a bougie lunch.

[Ken Coleman]

Bougie lunch?

[Rachel Cruze]

I'm not going to.

[Ken Coleman]

Who's at lunch with you?

[Rachel Cruze]

I'm friends, so we're doing like a jail. Like, we're gonna be women who lunch.

[Ken Coleman]

Three friends. Four friends. Two friends.

[Rachel Cruze]

I'm going three little four top. Have a great lunch.

[Ken Coleman]

Cocktail at lunch. Or not.

[Rachel Cruze]

Yeah, if it's a free, free day. Sure.

[Ken Coleman]

This is your Friday.

[George Camel]

Yeah, I'm living it right now.

[Ken Coleman]

Great call.

[Rachel Cruze]

I may do an errand. Do something a little productive. You know, I may.

[George Camel]

Is this out of guilt?

[Ken Coleman]

I don't know.

[Rachel Cruze]

I feel like I should do something out and dress. That's the thing. You're out and about already. So you gotta, you know.

[George Camel]

You wanna show it off.

[Rachel Cruze]

Yeah. Whether you gotta, like, go pick something up, get your nails done.

[Ken Coleman]

What are you wearing on that day? And then are you in the athleisure or are you dressed up?

[Rachel Cruze]

Not to the.

[Ken Coleman]

Are you wearing this?

[Rachel Cruze]

Yeah, I'll go here. Yeah. Yeah. Pick kids up, order pizza in and, like, have a movie night. It's a lot of tv.

[George Camel]

That's a good day, that day.

[Rachel Cruze]

But that's a good day, isn't that.

[Ken Coleman]

That's a fantastic day.

[George Camel]

I retract my statement.

[Ken Coleman]

Friday, shall we say.

[Rachel Cruze]

Thank you so much.

[George Camel]

Where's my lunch with the girls? No one ever invites me.

[Ken Coleman]

I feel like I. Well, I feel like I got to know you better. You want a lunch with the ladies? I've seen a lot.

[George Camel]

Have you had a lunch with a few guys? No, not guys like that.

[Rachel Cruze]

Girls have the tea.

[George Camel]

But take your average common denominator guy. You know how weak that conversation is.

[Rachel Cruze]

So true. Girls are so much more interesting.

[Ken Coleman]

Are you saying you want to go to lunch with Rachel and her friends?

[George Camel]

I'm saying the tea.

[Ken Coleman]

They're spilling.

[George Camel]

Much more interesting than the sports stats the guys are throwing out. What's your parlay this weekend?

[Ken Coleman]

I don't know. That's your.

[Rachel Cruze]

Did you see the game last night?

[Ken Coleman]

It's your Friday.

[Rachel Cruze]

Did you see the coaching?

[George Camel]

I know you're not going to ask me about the big game.

[Ken Coleman]

I'M not gonna go about it. Cause you don't even know what happened.

[George Camel]

I got a life to live. I got tea to spill.

[Rachel Cruze]

I have tea to drink.

[Ken Coleman]

I love that was really fun. I really enjoyed hearing that.

[Rachel Cruze]

Oh, the game of life. Well, that was fun. Feels like a good life. We painted. I feel like during that.

[Ken Coleman]

I think if you take our advice, it's a good life.

[Rachel Cruze]

I think we figured it out.

[George Camel]

And a lot of dilemmas that are gonna come your way.

[Rachel Cruze]

Okay.

[George Camel]

That's part of life.

[Rachel Cruze]

All right, Kim, we're gonna do a rapid fire round of questions. We got four.

[Ken Coleman]

Oof. Okay, here we go.

[Rachel Cruze]

And we're gonna go quick.

[George Camel]

Can you handle that? 3 is usually your limit.

[Ken Coleman]

Crazy quick. Watch this.

[Rachel Cruze]

Number one mistake people make with money.

[Ken Coleman]

They lead with emotion, not long term vision.

[Rachel Cruze]

What's your biggest hot take on the job market right now?

[Ken Coleman]

It is actually contracting. Very tough time to move jobs. I'd stay put for right now.

[Rachel Cruze]

What do you always tell people who feel stuck in a certain place in their life?

[Ken Coleman]

You aren't stuck. You're unclear. If you can get some clarity, you wouldn't believe how quickly you'll be able to make a decision.

[Rachel Cruze]

Do you have a favorite question that you love asking people when you first meet them or when you're interviewing them on front row seat?

[Ken Coleman]

Yes. If you could only use one word to describe yourself as a professional right now, what would it be?

[Rachel Cruze]

Oh, do you ask people that when you meet them?

[Ken Coleman]

Sometimes.

[George Camel]

And how would Rachel answer?

[Rachel Cruze]

It's fun.

[Ken Coleman]

It's fun because it really reveals a.

[George Camel]

Lot about a person and what they think about themselves.

[Rachel Cruze]

I know what mine would be and their work.

[Ken Coleman]

What?

[Rachel Cruze]

I will see if Jenna, my producer, agrees. Efficient.

[Ken Coleman]

Efficient.

[Rachel Cruze]

I'm very efficient in my work. Boom, boom, boom. Get it done. And we are.

[Ken Coleman]

See? That reveals a lot about a person, by the way. That's a great icebreaker. Yes. First time you meet somebody because it's all about them. Their favorite topic is them.

[George Camel]

You've thought about this a lot. What's your word right now?

[Ken Coleman]

I would say it is creator. I'm trying to create conversations that really help people. People. So that's. That's how I describe my creator.

[Rachel Cruze]

What would you say, George?

[George Camel]

I was gonna say edutainer.

[Ken Coleman]

Oh, there you go.

[Rachel Cruze]

That's good. See, you know what I would ask someone? Number one conspiracy theory. You believe Go.

[George Camel]

Oh, that's good. Conspiracy theory that I believe aliens.

[Rachel Cruze]

You think they're real?

[George Camel]

Yeah.

[Rachel Cruze]

Love it.

[Ken Coleman]

That Hitler didn't die when they said he died, he lived A long life somewhere else.

[George Camel]

What?

[Ken Coleman]

Maybe in Brazil. Brazil?

[George Camel]

But he's dead now.

[Ken Coleman]

You asked me. I don't have time to unpack it. Oh, my goodness. The idea that he died, that he killed himself before the Allied forces got to him, I'm not buying it.

[Rachel Cruze]

Oh, my gosh.

[George Camel]

Pretty good.

[Rachel Cruze]

You think they snuck him out?

[Ken Coleman]

I think he had a plan.

[Rachel Cruze]

Wow.

[George Camel]

Yeah.

[Ken Coleman]

He knew they were closing in.

[Rachel Cruze]

Wow. You telling me he signed the biggest history buff ever? Ken Coleman loves.

[George Camel]

If Ken doesn't know, it didn't happen. That's how confident I am in his history of knowledge.

[Ken Coleman]

That's funny. Not true, but funny. Oh, man.

[George Camel]

Name the third president.

[Ken Coleman]

The third president of the United States.

[George Camel]

Yes.

[Ken Coleman]

My favorite. Thomas Jefferson.

[George Camel]

He knows everything.

[Rachel Cruze]

Wow.

[George Camel]

Who came after that?

[Ken Coleman]

James Madison. I reclaimed by the other James Monroe.

[Rachel Cruze]

Yeah, Ken knows everything about it.

[Ken Coleman]

Both, by the way, were mentored by Jefferson. So Jefferson had some real impact.

[George Camel]

Take that to your next trivia night, Rachel.

[Rachel Cruze]

Take that, James. Old James.

[George Camel]

That's good. Well, if you want more wisdom from Ken, make sure to check out his show. Front row seat. It's on the Ramsey Network, wherever you get your podcast on YouTube. It's fantastic. Rachel and I have been guests on that show, and so we'll put some links in the description if you want to check out those conversations. It's about as deep as Rachel and I probably have ever gone. So.

[Rachel Cruze]

Ever, like, in life.

[George Camel]

Ever in life? Well, ever on a Ramsey Network show. Because Ken, he plumbs the depth.

[Rachel Cruze]

Yeah.

[Ken Coleman]

Yeah.

[Rachel Cruze]

Ken's a great interviewer, for sure.

[George Camel]

It's the nicest way I can put it.

[Rachel Cruze]

For sure. Yeah. Make sure to check.

[George Camel]

He's a plumber of the depths of the soul.

[Rachel Cruze]

All right, before we spill the tea on our Guilty as Charge segment, let's share what we're sipping on in our ratings.

[George Camel]

George, we're sipping on the Kentucky Mule. I'm going to give this 10 out of 10.

[Rachel Cruze]

A 10?

[George Camel]

10 out of 10. I don't think it could be improved upon in its current form.

[Rachel Cruze]

Wow.

[Ken Coleman]

High praise, Mia.

[George Camel]

I think it's balanced.

[Rachel Cruze]

I'm going 10 out of 10. I don't think I would change anything.

[Ken Coleman]

I. I gotta say, I hate to be the guy who brings us down, but a 10 is like 10.

[Rachel Cruze]

I know. Well, we go twos, threes, eights.

[Ken Coleman]

I think it's an 8.8. It's very refreshing. More punch than I thought. Fantastic.

[George Camel]

I don't think we've ever had an 8.8.

[Ken Coleman]

You know what I think this is? This is a. If you're at the Kentucky Derby. You may start with this in your seersucker suit and white bucks that I would be wearing. Or if you're at home on a summer eve.

[Rachel Cruze]

Yes, it's a good like 4:35 o'.

[Ken Coleman]

Clock. It's a. It's very refreshing.

[Rachel Cruze]

Yeah, very refreshing.

[George Camel]

Here's what's in it. It's got bourbon, lime juice, ginger beer and some mint to garnish. And it comes out to $2.65 per glass, which is very affordable considering other cocktails we've had on the show. So get the recipe in the show notes. Give it a try this weekend if you're of age.

[Rachel Cruze]

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

[Ken Coleman]

I don't have anything to sip.

[Rachel Cruze]

Yeah, neither do we, but we're done. But it's okay. Okay.

[George Camel]

Just pretend some mint.

[Ken Coleman]

Oh, okay. I might.

[George Camel]

That's what's left in there.

[Rachel Cruze]

Have you ever judged someone instantly based on their handshake?

[Ken Coleman]

100%.

[Rachel Cruze]

I know I have two.

[Ken Coleman]

Yeah.

[George Camel]

I think of the flimsy ones that what's very telling. That's, you know, kind of the dead fish scenario.

[Rachel Cruze]

Yeah. It's the extreme handshakes for me. And we shake a lot of hands like at the, like whether it's live event or the Ramsey show. Yes. And the guys that are like. And you're like, oh my gosh, I can't. Or the ones that like crush you. I'm either thinking they have no idea what they're doing right now because you're just like, ow, ow, ow, ow, ow. You just like pinch my rings like it hurts.

[George Camel]

Yeah.

[Rachel Cruze]

Or are they trying to like, is it a flex? I don't know. Not to a woman. Not to a woman.

[George Camel]

I can see that with Ken or Deloney.

[Rachel Cruze]

I love a good handshake though. I'm a handshaker.

[George Camel]

Bow up a little bit.

[Ken Coleman]

I don't mind a very firm handshake. You gave me some effort. The person, man or woman, by the way, that gives me what I call the limp fish.

[Rachel Cruze]

It's this.

[Ken Coleman]

I gotta tell you, I want to look at him and go, have some respect for yourself. You want to do that again? Give it a squeeze. What are we doing here? What's the point of sticking your hand out if you're not going to squeeze back?

[George Camel]

You ever been impressed by handshake? Someone? Like someone you could name? Drop that you're like, wow, that was a handshake.

[Ken Coleman]

And I tell them, and you both have been with me when I've said to somebody, that's a great handshake.

[George Camel]

Handshake. I'll never forget Jocko because I expected big things. When you get to meet Jocko, you're like, this man better crush my hand. And it was perfect. It wasn't enough that he was trying to hurt you, but it was enough that he knew he could kill you.

[Ken Coleman]

I knew I was. You know what? I appreciate that. That's the perfect handshake for a man. For certain. It's. I feel secure. You didn't break my hand. You're not trying to prove anything. But I knew that. We just shook hands. It's a shake, by the way. That's the other thing that's underrated. It's not just a good grip. It's a.

[Rachel Cruze]

Here, here, here we go. Ready?

[Ken Coleman]

Yeah.

[George Camel]

What about. What about the second hand over the hand?

[Rachel Cruze]

Oh, I'll do that with. I'll do that with the elderly.

[Ken Coleman]

Elderly and someone that I really respect. See what she just did? Which makes sense why I've never left hand over.

[Rachel Cruze]

Or if someone's emotional, like, if they're like, I'll do the two hand.

[Ken Coleman]

I go up to the shoulder on that one.

[Rachel Cruze]

Wow.

[Ken Coleman]

It's a side shoulder. It's a.

[George Camel]

We need to get an online course from Ken on greeting.

[Ken Coleman]

This reaction was worth showing up today. These three right here.

[George Camel]

Ken loves an audience.

[Rachel Cruze]

That was good. Well, if you guys have a guilty as charged question for us, make sure to DM us, Rachel Cruz and GeorgeCamel. And if you enjoyed this episode, please leave a review and check out our episode that we did with our other Ramsey personality, Dr. John DeLoney, on critiquing your spending habits and hours with Dr. John Deloney. We'll leave a link down below.

[Ken Coleman]

Six, seven.

[Rachel Cruze]

Yeah, right there.

[George Camel]

And if you love Ken, which how can you not be sure to go check out him, his show, front row seat. We'll leave a link to that in the description as well.

[Rachel Cruze]

All right, last. Cheers. Ken, you ready? All right, well, we'll see you guys next Thursday on an all new episode.

[George Camel]

Of Smart Money Happy Hour.