Reacting to Outrageously Bougie Celebrity Homes

Summary

Smart Money Happy Hour with Rachel Cruze & George Kamel

Episode: Reacting to Outrageously Bougie Celebrity Homes
Air Date: May 7, 2026
Podcast Network: Ramsey Network

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Episode Overview

Rachel Cruze and George Kamel, two personal finance experts with a knack for pop culture, sit down for an unfiltered happy hour dive into the world of over-the-top celebrity mansions. With nostalgia-fueled references, playful banter, and real money wisdom, the hosts react to recent famous home tours, discuss what these luxe pads say about money and image—and what regular people can learn from all the "bougie" excess. They keep things real, from personal stories about home buying to honest reflections about comparison, contentment, and owning your financial journey.

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Key Discussion Points & Insights

1. The Celebrity Home Obsession: Why Do We Care?

Timestamps: 00:05–05:40

• Rachel and George reminisce about classic shows like MTV Cribs (03:18) and The Fabulous Life on VH1, reflecting on our culture’s fixation with peeking inside the lives—and homes—of celebrities.
• They point out how modern tours via YouTube and Architectural Digest have kept the voyeurism alive, if a little more “creepy” but “fun to watch.” (03:37, George)
• Discussion of how video tours have spilled over into everyday home sales, with “fancy video walkthroughs” now standard even for average listings (06:02), and a nod to how angles and lighting can make modest rooms look massive online.

“Our obsession with celebrities’ lives and homes. And now we don’t have that, but we do have the artificial.” – George (02:41)

2. Home Tour Realities: What’s Real and What’s Fake?

Timestamps: 08:08–12:14

• Rachel and George react to JoJo’s Cribs episode confession: it wasn’t actually her house—she used a relative’s fancier place to meet TV expectations. (10:01–10:44)
• They compare this to influencers renting jets for photoshoots, reinforcing that social pressure to appear more successful has always existed.
• The takeaway: TV magic aside, the pressure to “keep up” is nothing new, but it’s often built on a façade.

“That’s like when people go on a private plane now on Instagram. And they, like, shoot videos, and they, like...They don't even own the plane.” – Rachel (08:25)

3. Peeking Inside the (Real?) Bougie Homes

Timestamps: 12:14–26:03
The hosts walk through and react to several high-profile home tours, noting style, cost, details, and “realness.”

a. Gwyneth Paltrow

• Built her home from scratch with a strong European influence, mixing “Georgian proportions” (13:15) with contemporary flair.
• Rachel gently pokes fun at the sheer luxury of referencing international architectural details.

“I wish I had time in Europe to compare my architecture.” – Rachel (13:15)

b. Kendall Jenner

• Designed her open, skylit kitchen for hosting friends, emphasizing “good vibes.”
• The hosts relate to wanting a welcoming home, but lightly mock the idea of building your dream house “for the friends” (15:50).

“I definitely built this house more for my friends than I did for myself.” – Kendall Jenner (15:49)

c. John Stamos

• His “adult home” in Beverly Hills feels “sturdy and funky and cool”—a far cry from glossy, impersonal mansions.
• Rachel notes: It took Stamos until age 56 to feel his home was truly his, so “millennials, you got time.”

“I wanted a house that I could put my feet up on and have people over. I mean, this couch has been here 13 years. Don’t ask any questions of it.” – John Stamos (18:20)

d. Hilary Duff

• Duff’s house is well-lived in: “We’re hard on this house…that’s what makes it feel like home” (21:41). Rachel and George love her practicality and prioritizing life over perfection.

e. Amanda Seyfried

• Highlights the luxury of having an in-unit washer/dryer in NYC. Playfully admits her husband demanded a pot-filler they never use. Their small apartment is “cozy,” which the hosts find refreshing compared to cavernous celebrity mansions.

“Honestly, I don’t know what this is…but my husband wanted it. Never used it, but looks stunning in a kitchen.” – Amanda Seyfried (23:25, 23:37)

4. Real Estate Rapid Fire & Notable Trivia

Timestamps: 27:36–31:38

• George and Rachel quiz each other on celebrity home facts:
  • Warren Buffett still lives in his $31,500 Omaha house (bought in 1958). (27:49)
  • Billie Eilish recorded her debut in her modest childhood home.
  • Celebrity homes lost to wildfires—Kris Kardashian’s was spared, reportedly thanks to hiring private firefighters (29:18).
  • Taylor Swift’s different homes discussed; Rachel would Airbnb her NYC townhouse, George wants the Rhode Island coastal mansion.

“He truly is…like he goes to like McDonald’s and just drinks Dr. Peppers. Like he’s the true old guy who just doesn’t give a rip.” – George (28:07)

5. Comparison, Contentment, & Real Money Advice

Timestamps: 33:25–35:46

• Rachel shares a “hot take”: If you’re a homeowner at any level today, you’re doing well—don’t let celeb home tours make you feel otherwise.
• George urges listeners to remember: Homeownership is “already a win,” most of the world doesn’t have that.
• Rachel gives practical advice:
  • Be out of debt
  • Have a full emergency fund
  • Put at least 5% down
  • Mortgages should be ≤25% of take-home pay, 15-year fixed (34:07)

“The gratitude in the present is really big because you’re always going to be chasing the next thing. Even if you build a house, there’s always another thing you can do.” – Rachel (34:54)

6. Guilty As Charged: Throwing Money At Problems

Timestamps: 38:06–41:57

• Both hosts admit to “throwing money at a problem.” George tells of ongoing (expensive) medical care for his French bulldog, calling it a “sunken cost fallacy,” but concludes: “What else am I going to spend money on other than the people and things I love?” (39:39)
• Rachel shares a recent packing fail—forgetting all her hanging clothes on a trip, leading her to buy a whole new Target wardrobe.
• The segment closes with observations about how women deflect compliments about clothes: “Every woman’s toxic trait is having to tell you it’s from Target as soon as you compliment it.” – George (41:22)

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Notable Quotes & Memorable Moments

• On fakery in celebrity tours:
  “It’s all lies, George. That’s… I don’t know what’s real anymore.” – Rachel (10:47)

• On the reality of kid/dog-worn houses:
  “So yeah, buy something that’s not gonna make you all the time, like, ‘oh, gosh, oh, gosh, oh, gosh.’ Enjoy your stuff. Enjoy it.” – Rachel (22:04)

• On comparison:
  “Homes are the most visible form of wealth you can own, and so it’s just the easiest thing to compare. And you don’t know the details of their life.” – George (35:01)

• On homeownership:
  “If you own a home, it’s already a win…Be grateful. If you don’t own one, it’s not too late.” – George (34:01)

• Humor on pure extravagance:
  “I wish I had time in Europe to compare my architecture.” – Rachel (13:15)

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Engaging Takeaways

• Homes are for living, not flexing. Celebs like Hilary Duff and John Stamos find joy in practical, lived-in spaces—a reminder that homes should fit your life, not just your image.
• Comparison is the thief of joy. Constant exposure to “bougie” home tours can make anyone feel behind, but the journey to contentment starts with appreciating what you have.
• Even celebrities fake it for the cameras. Social pressure to impress isn’t limited to social media; it’s always been in the background.
• Stick to your values and budget. The best home (mansion or not) is the one you can truly afford and actually enjoy.

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Useful Timestamps

• 00:05 – Opening banter and nostalgia for old celeb home shows
• 08:08 – JoJo admits her “Cribs” home wasn’t hers
• 13:15 – Gwyneth Paltrow’s “Georgian proportions”
• 15:49 – Kendall Jenner: “I built this for my friends”
• 18:20 – John Stamos shares his “first adult home”
• 21:41 – Hilary Duff on “living hard in the house”
• 23:25 – Amanda Seyfried’s kitchen pot-filler debate and NYC living
• 27:49 – Warren Buffett’s modest home revealed
• 33:25 – Rachel’s “hot take” on homes, comparison, and contentment
• 38:06 – Guilty as Charged segment (throwing money at problems)

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Tone, Style, and Audience Engagement

The episode interweaves playful banter (“Cozy Earth pants, is it pants or pant?”), pop culture references, and heartfelt financial wisdom. Listeners are treated not just to juicy tidbits about celebrity real estate but also practical reminders to value authenticity and make smart, contented choices—no matter the size of their home or bank account.

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Final Thought

Enjoy the home you have, whether it's a humble apartment or a mini-mansion—and don’t let glossy celebrity tours, or social media pressure, mess with your peace or your wallet. As George says, “You don’t know the details of their life,” so focus on building a home and a life you love for the long haul.

Transcript

[George Camel]

Welcome to our crib. Today we're peeking inside the bougiest real estate in America. From luxury celebrity homes to billionaires in Nebraska. No, it's just a little too late, you know?

[Rachel Cruz]

Just a little too late. George Camel. I can't.

[George Camel]

It's called Sunk Cost Fallacy.

[Rachel Cruz]

I can't. You have added so much stress, they

[George Camel]

would have funded my kids college twice over.

[Gwyneth Paltrow]

Probably.

[Rachel Cruz]

Oh, my gosh. George Camel. Hey, guys, I'm rachel cruz. I'm george camel and this is smart money happy hour. Cheers, george.

[George Camel]

Cheers.

[Rachel Cruz]

That's refreshing.

[George Camel]

That'll pique your interest.

[Rachel Cruz]

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]

But first, Rachel, let's talk about what we're sipping on here. This is a beautiful purple drink called Purple Rain. You know who sings that?

[Rachel Cruz]

Prince.

[George Camel]

Nicely done.

[Rachel Cruz]

I won't sing it cause I don't sing in public. But the artist formula, I'm humming it in my head.

[George Camel]

Well, we're give you a rating and reveal the cost per glass for this cocktail at the end of the episode. So stick around for that. And we love this sound, don't we?

[Rachel Cruz]

Just a little.

[George Camel]

That really whets the appetite. Just hear some ice clinking.

[Rachel Cruz]

Yeah. ASMR or whatever it's called.

[George Camel]

Yeah.

[Rachel Cruz]

Yeah.

[George Camel]

I'm surprised you know that.

[Rachel Cruz]

I do know that.

[George Camel]

I'm proud of you.

[Rachel Cruz]

It's very satisfying sometimes. You know the best? Asmr.

[George Camel]

What's that?

[Rachel Cruz]

Rug cleaning.

[George Camel]

Oh, yes.

[Rachel Cruz]

We won't get into it. But the swish and the squeak and the. Oh, it's the. It's the best. It makes me so happy.

[George Camel]

The sound, the visuals.

[Rachel Cruz]

I know. Okay, well, we recently discovered that George has a new talent.

[George Camel]

I've had it. I just haven't had to use it ever.

[Rachel Cruz]

Well, it is.

[George Camel]

You ready for it?

[Rachel Cruz]

It's an accent. You can do impressions. So give us.

[George Camel]

That's a strong. I can do them better than you. The bar is low. All right, let's see if you know this one.

[Rachel Cruz]

Okay.

[George Camel]

Some celebs have a Malibu mansion. Others a ski lodge in Vail. But there's one who vacations in Cabo next to Mark Zuckerberg's yard. This is the Fabulous life of Rachel Cruz. That's as best as I can do.

[Rachel Cruz]

I'm dead if you could do that. Like skull emulsion.

[George Camel]

That guy.

[Rachel Cruz]

I don't know.

[George Camel]

I don't even know where he's from.

[Rachel Cruz]

I don't even. The Fabulous Life Is indistinguishable.

[George Camel]

It's not quite British.

[Rachel Cruz]

It is. It's got some Brit to it, right?

[George Camel]

A little bit.

[Rachel Cruz]

Golly. Do you remember that show, though?

[George Camel]

The fabulous life on VH1.

[Rachel Cruz]

It was so good. It was so good.

[George Camel]

Our obsession with celebrities lives and homes. And now we don't have that, but we do have the artificial.

[Rachel Cruz]

We got the original clip, though.

[George Camel]

Oh, we do. Okay, here's a. If you don't know that reference, here's a clip from the original show so you understand how good the Fabulous Life was. Plus, you think she's just living off daddy's money. Wrong. This is the Fabulous Life of Paris Hilton. There you go. That's all you need. See how close my impression was?

[Rachel Cruz]

Did really good.

[George Camel]

Probably mistook it when I was saying it.

[Rachel Cruz]

You did good.

[George Camel]

Well, we don't have the fabulous life anymore. RIP VH1. I don't know. What is that even a channel?

[Rachel Cruz]

Cribs was mtv.

[George Camel]

Crib. Yes. MTV had cribs.

[Rachel Cruz]

Yeah.

[George Camel]

Fabulous Life felt a little more like.

[Rachel Cruz]

It's a little classier, cuz you got a little classier. See the plains. You got to see like, she could buy face lotion.

[George Camel]

Cribs went a little more humor.

[Rachel Cruz]

They fill up the country of Cuba, you know what I mean? Like, they always like give these comparisons of like, she can buy enough of. And they fill it in and you're

[George Camel]

like, oh, man, we don't have that anymore. But we do have YouTube and Architectural Digest has these celebrity home tours that are a little bit creepy, but they're fun to watch.

[Rachel Cruz]

It's not the one that is like a one take through the whole thing.

[George Camel]

No, that's a different. That's like the GQ.

[Rachel Cruz]

Oh, okay, okay, okay.

[George Camel]

With like 48 questions with Taylor Swift. And it feels so forced.

[Rachel Cruz]

But it's like. It's like a one take in their home, though.

[George Camel]

So you see, I don't want to hear the cameraman. Gonna be honest. Not interested to hear their voice.

[Rachel Cruz]

No. But this other one is classier, would you say?

[George Camel]

Yeah, it's like a. Oh, come on in. Wasn't expecting you. Clearly you were here. You are Dakota Johnson.

[Rachel Cruz]

Dakota Johnson.

[George Camel]

Do you remember that one?

[Rachel Cruz]

I know. See, I don't feel up to my pop culture in this reference, but I.

[George Camel]

But she gave an anti home tour.

[Rachel Cruz]

She has famous parents too, right? Wasn't she like a Hollywood.

[George Camel]

Yeah, I think Dawn Johnson, if I'm not mistaken.

[Rachel Cruz]

Something like that. Yeah. She did a house tour, right? That became like kind of infamous.

[George Camel]

She had a Table made out of wood from Winston Churchill's yacht. Now, that's something Dave Ramsey would want to own. I could see him wanting that. So, Dakota, if you're looking to sell, got you a buyer. But here's the drama around her home tour.

[Rachel Cruz]

Yeah.

[George Camel]

When asked about the bowl of limes in her kitchen, she jokingly said she just really loves limes.

[Rachel Cruz]

I love limes. I love them.

[Kendall Jenner]

They're great. I love them so much.

[Rachel Cruz]

And I like to present them like this in my house.

[George Camel]

When she mentioned in another interview that she doesn't like limes, people called her a fraud. What?

[Rachel Cruz]

A fraud.

[George Camel]

Who knew?

[Rachel Cruz]

Golly. Is sleuthing. They. They know they'll catch you in any lie, George.

[George Camel]

But that's probably something I would say even if I didn't like limes. Like, it's just funny to be like, I really love limes. What can I say?

[Rachel Cruz]

I know. Well, sometimes we say stuff that in the moment feels right, and then you watch your back and you're like, oh, I wasn't that passionate about.

[George Camel]

Well, who thinks they're gonna be questioned for a bowl of fruit, A bowl of limes. Interrogated. So she later explained that production put in there. And apparently people can't understand sarcasm, which she has a pretty dry sense of humor.

[Rachel Cruz]

Yes.

[George Camel]

If you've seen her, like on SNL or one of those.

[Rachel Cruz]

Yeah, yeah, yeah.

[George Camel]

That's her style, is the kind of low key. Just really love lines.

[Rachel Cruz]

Just a little chill. Just a little chill.

[George Camel]

There you go.

[Rachel Cruz]

Okay. Well, I think we should go through some of these home tours because the home market right now, the housing market, it's like a buzz. Right. Prices are high. Interest rates have been higher than they were years ago. Right. At the 2, 3%. So I feel like we're all into the housing convo and we kind of want to.

[George Camel]

And we all secretly Zillow, Doom scroll

[Rachel Cruz]

and look at homes we can't afford. Let's just peek inside some of these, Sol.

[George Camel]

Well, the video tours are now a thing for a normal home listing.

[Rachel Cruz]

Yes.

[George Camel]

They'll do that 100% fancy video walkthroughs. And the 3D, it's really come a long way.

[Rachel Cruz]

It has. Versus just pictures on the MLS.

[George Camel]

You know, pictures don't do it justice. You ever walk in a room and you're like, wow, they really made this look better.

[Rachel Cruz]

Well, and it's like a. Well, you know this because you're artsy, but, like, thank you.

[George Camel]

Take it as a compliment. But it felt like a slight.

[Rachel Cruz]

No, but like, the angle of A camera. Like what? It can change, right?

[George Camel]

Yes. A wide.

[Rachel Cruz]

In like a room. Yes.

[George Camel]

They make the room look a whole lot bigger.

[Rachel Cruz]

Yes.

[George Camel]

That walk in closet looked huge. And now you're in person and then

[Rachel Cruz]

you get to it and you're like, it's not even that big of a deal. Yeah, totally.

[George Camel]

They make sure every light in the house is on. As much natural light as possible. Clean everything off the counters. You want to make it look like you can picture yourself living there, not like, oh, Joe lives there. We looked at a house.

[Rachel Cruz]

Yeah. What happened?

[George Camel]

Well, it was the house that needed to be sold in order for that person to buy our house. And we had very little faith because there was like bright magenta pink, like cat blankets and pillows.

[Rachel Cruz]

Crap.

[George Camel]

And there was a cat jungle gym on the back patio that was like fenced in. Like a nine foot jungle gym for the cats. I'm like, lady, this is never gonna sell.

[Rachel Cruz]

No. Take your cat stuff away. People don't want a house.

[George Camel]

So we turned down that buyer. Cause we were like, that's too risky.

[Rachel Cruz]

That's smart.

[George Camel]

And I was right. It took a long time for that house to sell.

[Rachel Cruz]

Wow. So when the buyer came to you to buy your house, it was contingent

[George Camel]

on their home seller.

[Rachel Cruz]

So then you said, let's go look at theirs to see if theirs will sell quick. And you saw it and you said,

[George Camel]

I looked at the listing and it was priced too high to avocado.

[Rachel Cruz]

Yeah. What a forward thinker you are. You enroll. Well done. Okay. Wow. Let's go to some celeb home tours.

[George Camel]

Okay.

[Rachel Cruz]

There was one with Jojo and this one was. Was a Cribs episode.

[George Camel]

Yes.

[Rachel Cruz]

Okay, so we're gonna go back in time a little.

[George Camel]

Can you name a JoJo song?

[Rachel Cruz]

It's a little too late.

[George Camel]

You wanna sing it for us?

[Rachel Cruz]

Nope, I don't. But you go, George. You know it.

[George Camel]

I just know the little riff at the end of the chorus.

[Rachel Cruz]

Give us a little something. Give us a little something.

[George Camel]

You know it's just a little too late.

[Rachel Cruz]

Yes. You know it's just a little too late. It's a little bit higher. Yeah, yeah, yeah, yeah, yeah.

[George Camel]

A little falsetto never hurt anybody.

[Rachel Cruz]

George. Well done. Good voice.

[George Camel]

Thank you.

[Rachel Cruz]

I love that. I love that. But yeah, let's go back to the Cribs era. We'll go back with a little nostalgic cause of Jojo and actually her episode of Cribs she later confessed wasn't even her house. Isn't that crazy? That's like when people go on Like a private plane now on Instagram. And they, like, shoot videos, and they, like.

[George Camel]

They don't even know the plane.

[Rachel Cruz]

Yeah, they, like, rented it for an hour. So do videos it.

[George Camel]

Did she not have a house? Why not just use her house?

[Rachel Cruz]

No, I just don't think it was good enough for cribs. So she felt the pressure. See, the pressure's always been there. The social pressure, George, it's always been there where you feel like you gotta be a little bit better. Oh, it's so tough. But you know what does make you a little bit better?

[George Camel]

What's that?

[Rachel Cruz]

Cozy Earth.

[George Camel]

Now, that's luxury. That isn't trying to flex.

[Rachel Cruz]

It's luxury, and you just get to be a better version of yourself. You can't fake that when you're experiencing Cozy Earth, whether you're in the sheets, all snuggled up to go to bed, you're in the loungewear, you are in the socks. It doesn't matter. Clothes, bedding. It's one of my favorite places to shop. I know we talk about it a lot, but I do, because it is a product that I feel like I can stand behind because all this stuff is such quality, and it just. It holds up like it's amazing.

[George Camel]

Yeah. And it makes a really unique gift, too.

[Rachel Cruz]

Yes.

[George Camel]

Cause nobody's thinking about it, but you give it to them and they go, oh, my gosh, I didn't know I was missing out on life.

[Rachel Cruz]

I didn't know I needed these joggers. Oh, my gosh.

[George Camel]

Love the men's everywhere. Pant. Yeah, we need love a pant. I'm gonna say it. I think it should be singular.

[Rachel Cruz]

Is it a pants?

[George Camel]

Is it pants or pant?

[Rachel Cruz]

Well, you got two legs, but it's one pant, two legs, one pants. Cozy Earth pants.

[George Camel]

All pants have two legs.

[Rachel Cruz]

Any pants, though. It's worth it, though.

[Gwyneth Paltrow]

Yeah.

[George Camel]

Check it out. Go to cozyearth.com smartmoney and use the code smart money at checkout to get 20% off. And when you get the post purchase survey, which you will make sure to mention that Smart Money sent you there, we'll drop a link in the description as well. All right, Rachel, we got the laptop set up. Let's check out this clip of Jojo confessing in the interview.

[Jojo]

Humble beginnings. One of the things that I wasn't even prepared to bring up in this interview, but when I said, jojo's coming in, so many people said, oh, my God, you have to ask about her Cribs episode.

[Jojo's Mom]

Let me tell you about that. I don't know if people know this, but that was my. Like, that's the richest person in my family's house. So we went to the Cape, which. I've, like, never been to the Cape. I, like, never go to the Cape. And we said that that was my house.

[Jojo]

Oh, that wasn't your house?

[George Camel]

No. Wow.

[Jojo]

Is that a bombshell? Is that gonna blow people's minds right now?

[Jojo's Mom]

I had, like, no, that was not my house. We brought in some, like, items that I had. My mom and I were living in an apartment in New Jersey at the time. But, yeah, we went to my Uncle Scott's place in Wareham, Mass. Thank you, Scott. I so appreciate you letting us use your house for my iconic Cribs episode.

[Jojo]

That is so funny.

[Jojo's Mom]

Full of crap.

[Rachel Cruz]

It's all lies, George. That's. That's.

[George Camel]

I don't know what's real anymore. Here's my thing. Why not just decline and go, hey, I don't think that's a good thing.

[Rachel Cruz]

Did you see her, though? She was, like, 12 years old and she had her first hit. If TV wants to do a spotlight on you, you're going to say yes.

[George Camel]

And your publicity is just like, hey, do it at all costs.

[Rachel Cruz]

And there's a part of me, I'm like. I can see how she did that, though. Like, right. Number one, she looks like she's 12 in this. She's probably 16.

[George Camel]

Yeah.

[Rachel Cruz]

Her mom and her living in an apartment. If you're her mom and think about this, that'd be me. So she's probably, like, mid-40s. Like, that'd be me. With Amelia being 16, so it's six years.

[George Camel]

Okay.

[Rachel Cruz]

Right. And you're like, your girls just made it. And mtv, you're gonna do the best. Like, I get how this is a huge opportunity.

[George Camel]

Kind of loud to figure it out.

[Rachel Cruz]

Yeah, right?

[George Camel]

It's a pretty wild lie still. I know, but I don't put it on Jojo. I do think there was other people in her life that basically forced her into this.

[Rachel Cruz]

But what are they gonna say? We're gonna go to an apartment? Cause then Cribs would probably be like, oh, never mind. And then they lose that relationship.

[George Camel]

That would've been a great episode of Cribs to see how humbly she lives.

[Rachel Cruz]

But that wasn't the. That is the opposite of Cribs.

[George Camel]

I know.

[Rachel Cruz]

Cribs is the flashiest. You know what I mean? Like, I see how it happened. So, Jojo, I don't blame you. And I've so. Look, and I love her, like, Honesty and her confidence in it now, where she's like, oh, no. This was all like, give me. I love it. I just love her honesty now. So.

[George Camel]

Well, that was a good start. Hopefully the next few we watch are their actual homes. Otherwise, why even watch anything anymore? Is anything real?

[Rachel Cruz]

Okay, let's do Gwyneth Paltrow's.

[George Camel]

Okay, let's do.

[Rachel Cruz]

She did some.

[Gwyneth Paltrow]

So this is the entry right here.

[Rachel Cruz]

Beautiful.

[Gwyneth Paltrow]

We built this from the ground up, so. So it's the first time I've ever done anything like that. It was quite an undertaking, I think, having spent so much time as an expat in Europe and really falling in love with Georgian proportions and those kind of details. I really wanted the entryway to feel like its own special room. And so with the architects, we conceived of having a fireplace, which is something you see a lot in Europe in an entryway, and just gives this really nice feeling of warmth and welcome as you come in. The tiles reminds me of, you know, as I said, my time living in London, and just a detail that's classic and traditional. I really like the mix of having the things that are sort of systemic to the house. They're more traditional. We have some pieces and old floors, and then I think it gives sort of leeway to have a more contemporary, like, mixed experience with furnishings and stuff like that.

[Rachel Cruz]

I wish I had time in Europe to compare my architecture.

[George Camel]

That's what I love, is the like. Well, of all the places, I wanted a little taste of everywhere I lived and lived and Georgian proportions.

[Rachel Cruz]

Georgian proportions.

[George Camel]

Little shout out to our short king on the show.

[Rachel Cruz]

Next time. Next time, Winston. I walk through a house and he critiques something. I'm going to say, yeah, the Georgian proportions here.

[George Camel]

She's talking about the country of Georgia.

[Rachel Cruz]

I don't know.

[George Camel]

Is that a reference?

[Rachel Cruz]

You're the artist.

[George Camel]

I don't understand.

[Rachel Cruz]

Remember?

[George Camel]

Well, what does she mean, systemic? I don't think she used that word correctly.

[Rachel Cruz]

I don't even know, but it is beautiful. I like a clean look.

[George Camel]

I do. Like, this was a really nice house.

[Rachel Cruz]

Yeah, that was beautiful.

[George Camel]

Tasteful.

[Rachel Cruz]

Yes.

[George Camel]

And kind of almost like minimalist. And it wasn't doing the most.

[Rachel Cruz]

Yes. Well, it looks like a court, like the courtyard thing that I feel like that is kind of European with, like, a fireplace, like an indoor entryway.

[George Camel]

Oh, yeah.

[Rachel Cruz]

But yet it, like, feels out. I don't know. It had, like, a mix of all the feels. See, this is me as a designer. Do you like all that? Yeah.

[George Camel]

We should have had Winston Cruz on for this One. Cause he knows, famously.

[Rachel Cruz]

Oh, my gosh.

[George Camel]

He could talk about the baseboards for hours.

[Rachel Cruz]

I know.

[George Camel]

Okay, the crown molding.

[Rachel Cruz]

Let's do the next one. We got Kendall Jenner. Sure.

[George Camel]

You'll love this one.

[Rachel Cruz]

Kendall girl.

[George Camel]

Is that what you call her?

[Rachel Cruz]

Kendall girl? I just remember her cutting a cucumber one time, and it was one of my favorites.

[George Camel]

Oh, that was wild.

[Rachel Cruz]

I was scared for her finger. I thought, oh, no, Kendall.

[George Camel]

Like, why would you do that on camera when you know you don't know how to cut a cucumber? Like, just choose a simpler vegetable.

[Rachel Cruz]

It is one of the most simple

[George Camel]

vegetables, I guarantee you. A producer was like, hey, do that. But while cutting a cucumber, she was like, okay. Nervous.

[Rachel Cruz]

Okay, let's see her out.

[George Camel]

She's just like us. So relatable.

[Rachel Cruz]

She's just like us.

[Gwyneth Paltrow]

This is the kitchen.

[Kendall Jenner]

We wanted a really open space. Hence, it's kind of connected to the family room. When building the house and kind of figuring out how we were going to get the most light, this skylight came up, and I thought, how perfect in

[Rachel Cruz]

a place that snows through really beautifully.

[Kendall Jenner]

And I think it creates such nice light in here. So that was a really genius idea on the architect and designer's part. For a while, we were playing with so many ideas. Is it a color? Is it yellow? In the end, I kind of sat with it, and I was like, there's so much going on in the house that I want it to feel a little bit more neutral. So we used the floors and the range and the details, like the little curtains at the bottom of the sink and all those things as the pops of color. And I'm really happy with how it turned out. I think I definitely built this house more for my friends than I did for myself. Every time I come here, there's a million invites out for any one of my friends, and all of them are pretty much down to come, and it's just really good vibes. So I wanted to create a really good, fun, peaceful place. And this has become that.

[Rachel Cruz]

Wow, Kendall, what a give her. She built the house for the friends.

[George Camel]

It wasn't for her.

[Rachel Cruz]

No, it was for the friends.

[George Camel]

That's so good.

[Rachel Cruz]

You know what? I did kind of say that when we built our house, though, like, for our kids and their friends.

[George Camel]

You want to host? You're like, we're going to host a lot, so we want this.

[Rachel Cruz]

So you know what? I'm kind of making fun of her. I don't mean to Kendall.

[George Camel]

And honestly, it's A gorgeous house. It has the modern elements, but it has a lot of these old school, traditional feel to it, too.

[Rachel Cruz]

Okay. Do you like the blue oven?

[George Camel]

I wouldn't do the blue oven, but I can understand the appeal of the blue oven as kind of a, you know, a. What's it called? A nod.

[Rachel Cruz]

Yes. Just a pop of color.

[George Camel]

An homage.

[Rachel Cruz]

A little pop of color.

[George Camel]

Yeah.

[Rachel Cruz]

Okay.

[George Camel]

To like the vintage world.

[Rachel Cruz]

Yes, yes.

[George Camel]

But I do. It's a space that is very inviting. Like, I want to hang out in that kitchen.

[Rachel Cruz]

I know.

[George Camel]

And I love a skylight. I kind of forgot you can do a skylight.

[Rachel Cruz]

Skylights. That was like 90s, right? Wasn't that like a big thing in the 90s? You'd have like a big skylight in the.

[George Camel]

I don't know why we got away from them.

[Rachel Cruz]

Yeah. Put a window in the roof.

[George Camel]

Is it expensive? Is it like a danger thing? You know?

[Rachel Cruz]

I don't know. Window in the roof.

[George Camel]

Who would have thought?

[Rachel Cruz]

Why? Why not more?

[George Camel]

Why not there, guys? You have to hope that it comes around the sides. That's pretty good.

[Rachel Cruz]

So true.

[George Camel]

I like that.

[Rachel Cruz]

That's so true. I like it.

[George Camel]

Okay, should we build a house for the Smart money happy hour crew to hang in?

[Rachel Cruz]

Yes. That should be our motivation.

[George Camel]

Like a Smart money happy hour clubhouse with, like a little speakeasy bar.

[Rachel Cruz]

Oh, that's fun.

[George Camel]

Maybe one of those, like, faux bookshelves that opens. That's my dream in a future home one day.

[Rachel Cruz]

Just a little smart house 25 hour

[George Camel]

nook in a cozy nook.

[Rachel Cruz]

We'll just invite people over and they're gonna say yes.

[George Camel]

Cause the vibes come for the vibes.

[Rachel Cruz]

Come for the vibes.

[George Camel]

Stay for the cocktails. That's my tagline.

[Rachel Cruz]

All right, next. Little John Stamos, Little Uncle Jesse. Remember Uncle J? Uncle Jesse. He's in Beverly Hills.

[George Camel]

$5.8 million. That feels reasonable for Uncle Jesse.

[Rachel Cruz]

5.8 million.

[George Camel]

Guy's probably worth $100 million.

[Rachel Cruz]

Really?

[George Camel]

You would hope. It was one of the greatest TV shows of all time. And he went on to do other things.

[Rachel Cruz]

I guess so.

[George Camel]

He was the fifth Beach Boy, famously.

[Rachel Cruz]

No, he wasn't. Was he?

[George Camel]

Google it.

[Rachel Cruz]

25 million. He's worth 25 a quarter. A quarter of Google.

[George Camel]

That's celebritynetworth.com. okay.

[Rachel Cruz]

They don't have it all, John. We're going to say 100 million for you.

[George Camel]

You don't buy a $6 million home when your entire net worth is 20, 25. I don't buy that. This is one of as Many domiciles.

[Rachel Cruz]

You are a financial expert, though. What you would do and what other people would do. Two different things.

[John Stamos]

Welcome, everybody.

[George Camel]

This.

[John Stamos]

Oh, look at this. This is. This is how I found out. He was a boy. We had a box, and there was a pink have mercy. And a blue have mercy. And the blue one was on top. And that's.

[Rachel Cruz]

You have to take your shirt off.

[John Stamos]

I. I should have learned. Kids will always upstage you.

[Rachel Cruz]

Where's Mom? Okay, I'll tell you. But didn't you. They want you to talk about the house. By the way. Are you directing this?

[John Stamos]

I'm just curious. Well, this is. I would say this is my first adult home. This is the first house that I really feel that it just. It just.

[George Camel]

It's.

[John Stamos]

It's me. It's an adult version of me. I wanted a house that I could put my feet up on and have people over. I mean, this couch has been here 13 years. Don't ask any questions of it. But everything is just, you know, sturdy and funky and cool.

[Rachel Cruz]

Yeah.

[John Stamos]

Like me. I don't know a lot about decorating. And I had this friend of mine who worked on Full House. She was an assistant to the director, and then she became a very famous designer. I was like, chris, could you help me do this? And since she knew me so well, I had her. Chris, she's here, too. I remember when you did everything and I walked in her. I just started crying. She's like, stay away. But it was. It just felt like me.

[Rachel Cruz]

It just felt like home.

[John Stamos]

I felt safe, you know, it felt like a safe, warm environment, and I just love it.

[Rachel Cruz]

I'm glad. So good.

[George Camel]

I like this. He's got kind of this, like, rustic. Yeah, rustic funk.

[Rachel Cruz]

Well, he had his first. He said his first adult home is what it felt like at 56. So millennials.

[George Camel]

Pretty wild.

[Rachel Cruz]

You got time, you know, Jesse can wait.

[George Camel]

You can wait.

[Rachel Cruz]

If he can have delayed gratification, so can you out there.

[George Camel]

And I love the nod to his career with the little have mercy onesie, his iconic phrase.

[Rachel Cruz]

Yes.

[George Camel]

He seems like a good family man. He's aged very well, I might add.

[Rachel Cruz]

Yes. He's still very young.

[George Camel]

I don't know what John Stamos is doing for skin care, but drop it, King.

[Rachel Cruz]

And his hair, you think he got hair transplant?

[George Camel]

Yeah, great hair.

[Rachel Cruz]

Great hair. I don't know.

[George Camel]

It seems like his hair was always his thing.

[Rachel Cruz]

Yeah, he always had good hair.

[George Camel]

Just good genetics. I think it's the Greek.

[Rachel Cruz]

Don't touch the hair. Remember, that was one of his Things in Full house.

[George Camel]

Oh, that's right.

[Rachel Cruz]

Don't touch the hair.

[George Camel]

That's really good.

[Rachel Cruz]

Well done, John Stamos. Okay, up next, our girl Hilary Duff.

[George Camel]

Was she on your celebrity prayer list?

[Rachel Cruz]

No, Hillary never has been, even though she had a little mom drama. Did you hear about that whole thing?

[George Camel]

Do you need to fill us in, or.

[Rachel Cruz]

She's not talking to her sister either, so maybe I should add her for her and her sister's relationship. It just doesn't feel as urgent to me as getting Britney, you know, off the stuff. You know, that's what we're really hoping for.

[George Camel]

Hillary seems, like, to have made a great comeback, so.

[Rachel Cruz]

Yeah, Hillary seems like.

[George Camel]

We're not as worried about Hillary.

[Rachel Cruz]

I think she's, like, going on tour again. I like the pink pillows.

[Hilary Duff]

So I bought this house about eight years ago when I was pregnant with my son, and it looked a lot different. I've actually remodeled it twice because I have a small addiction. Luca, do you want to come down here with me? We're gonna go into your room next. Maybe you can do the tour. There's donuts in the kitchen. Good talk. So one of my favorite pieces of furniture in my house is this credenza. I think it's from the 50s, and it reminds me me of a corset. One of the first big purchases I ever made in my life. I think I was 18 or 19. And I thought about it for days and days and days. And then my mom always likes to point out that I have completely destroyed it by, like, coming in the house and setting my coffee down or my water. Oh, no.

[Rachel Cruz]

Look at that.

[Hilary Duff]

Definitely gets pretty beat up in this household. But we. We live in this house, and we're hard on this house.

[Rachel Cruz]

Good for you.

[Hilary Duff]

And I think that's what makes it feel like home.

[George Camel]

That's a nice vibe.

[Rachel Cruz]

You know what? And you know what I love? She said we. We're gonna live in the house. We're gonna live in it.

[George Camel]

It's not made to be an art piece. No, we're gonna use it.

[Rachel Cruz]

Enjoy it. Enjoy your stuff. Enjoy it.

[George Camel]

Especially with kids and dogs. Like, I realized it's all out the window. When you got little kids and dogs, what were you thinking? 100% assuming that furniture would never get damaged.

[Rachel Cruz]

Yes. So, yeah, buy something that's not gonna make you all the time, like, oh, gosh, oh, gosh, oh, gosh. Oh, gosh. You know, enjoy your stuff. So buy at the price point. That's not gonna, like, make you collapse if something spills. And Same with the cars, too. Like, enjoy your cars. Right. Like, some people, like, they buy something like, oh, my gosh.

[George Camel]

In the garage, drive it three times a year. I'm like, why don't you buy it?

[Rachel Cruz]

I know. So you're like, enjoy your stuff.

[George Camel]

Way to go, Hillary. I like and I do like seeing the kids and the dogs. It humanizes celebrities in a really nice way.

[Rachel Cruz]

Yes.

[George Camel]

You forget that, like, oh, she's a mom.

[Rachel Cruz]

They're just like, to like an 8

[George Camel]

year old kid, you know what I

[Rachel Cruz]

mean, who basically ignores her. And that's like, kids.

[George Camel]

Well, I think I don't have a study on, but I think celebrities that have children are more grounded and probably have better lives.

[Rachel Cruz]

Oh, wow. Because it takes them out of, like, it's all about them all the time, especially on the celeb aspect. It forces you because you're already living in a world that's catered to you.

[George Camel]

Yeah.

[Rachel Cruz]

And then if you have little humans in your life that are like, we don't care who you are.

[George Camel]

We're just, you still got to change the diaper and pick up the dog poop. And you're like, okay, this is it. There's Cheerios on the floor.

[Rachel Cruz]

Yeah, yeah, yeah.

[George Camel]

That's. That's what makes them relatable.

[Rachel Cruz]

I hear you. I hear you.

[George Camel]

So I like that. And I think she has good taste.

[Rachel Cruz]

Okay, up next is Amanda Seyfried, actress and. Oh, I cannot. Okay.

[George Camel]

This is a New York, New York home.

[Rachel Cruz]

Oh, my gosh. I love this.

[Amanda Seyfried]

So this kitchen is open, very airy, very light. Honestly, I don't know what this is.

[Rachel Cruz]

It's a pot filler. It's a pot filler, but my husband wanted it.

[Amanda Seyfried]

Never used it, but looks stunning in a kitchen.

[George Camel]

It's mostly first night.

[Amanda Seyfried]

It's a gourmet kitchen. Is it a gourmet kitchen one day. But it isn't right now? Because I'll tell you who hasn't cooked here yet. My husband.

[George Camel]

Oh. Shots. Fire.

[Rachel Cruz]

Wait.

[Amanda Seyfried]

Like most New York City apartments, we have this amazing feature which we couldn't

[Rachel Cruz]

get rid of even if we wanted to.

[Amanda Seyfried]

And I don't know if you're interested,

[Hilary Duff]

but I can do my own wash

[Amanda Seyfried]

in my apartment, which is a luxury for you New Yorkers. You know that?

[Rachel Cruz]

Yes.

[Amanda Seyfried]

That's the powder room. It's tiny. It's got a pocket door, because that's practical.

[Rachel Cruz]

Wow.

[Amanda Seyfried]

It was Sarah's idea.

[Rachel Cruz]

I was like, do we need a powder room?

[Amanda Seyfried]

And she said, yeah, we do. So I'm gonna.

[Rachel Cruz]

No, I Don't have to go, man. That just. Is that funny how it. The. The ratios change from, like, a house to a New York apartment, right? You're like, oh, my gosh. So different.

[George Camel]

It's not a gigantic laundry room. It's just a little closet door.

[Rachel Cruz]

You get a little closet. Little New York place.

[George Camel]

Man. That's impressive.

[Rachel Cruz]

I love that. She said, yeah. I don't even know what this is,

[George Camel]

but my husband wanted it. Let him have a win.

[Rachel Cruz]

Did you have one of those things? Was there anything Whitney wanted that you're like.

[George Camel]

Most of the things were things Whitney wanted. And I was like, okay, we did get a pot filler. That was something I fought for.

[Rachel Cruz]

Yes. We use ours a lot.

[George Camel]

I think it just sort of fills out the back wall a little bit.

[Rachel Cruz]

Yeah. Do y' all use it, though?

[George Camel]

I have used it maybe once.

[Rachel Cruz]

No.

[George Camel]

To be honest, I don't fill a lot of pots.

[Rachel Cruz]

You're not boiling water for, like, macaroni and cheese and stuff. Yeah. Not take it to the sink.

[George Camel]

Yeah, the sink's right. I think I forget that it exists all the time.

[Rachel Cruz]

I feel like I'm boiling water all the time.

[George Camel]

You're always boiling. Cause there's always Mac and cheese.

[Rachel Cruz]

Something that needs to be Spaghetti Alfredo. Yeah, yeah.

[George Camel]

Pasta in your house.

[Rachel Cruz]

I know.

[George Camel]

Sounds delicious. Well, I'm jealous.

[Rachel Cruz]

Winston's on keto right now, and so not much for him, but.

[George Camel]

What is he eating?

[Rachel Cruz]

Vegetables and chicken.

[George Camel]

Augusta Wind a bowl of ice.

[Rachel Cruz]

Alpha Cow, too, so he can't do any meat. It's a lot of chicken and a lot of vegetables. I gotta get him a very boring. It's a very boring.

[George Camel]

I got a chicken recipe for him. I'll send it to you.

[Rachel Cruz]

Proud of him. It's very, very disciplined. Very disciplined.

[George Camel]

I do like this home, though. It has, like, nice pops of color with the books and the flowers.

[Rachel Cruz]

Yes.

[George Camel]

It's not trying to do too much.

[Rachel Cruz]

Yeah. It's just.

[George Camel]

And I like that it really is cozy because it's a New York apartment.

[Rachel Cruz]

Yeah. It's true.

[George Camel]

And sometimes you miss coziness in these expansive homes that almost feel cold and empty and Sad.

[Rachel Cruz]

I know. 100%. 100% love that.

[George Camel]

That was nice. I enjoyed that.

[Kendall Jenner]

Yes.

[George Camel]

That was fun. Rachel. I don't know what it is, but it kind of humanizes them to see them outside of a normal environment, like a media interview or a movie. You go, oh, there's a real person, real life, real kids, real dogs. I enjoyed that.

[Rachel Cruz]

We love a little glimpse into people's homes.

[George Camel]

Yeah.

[Rachel Cruz]

You know what else I love, George?

[George Camel]

What's that?

[Rachel Cruz]

Fair Ones Credit union.

[George Camel]

What's not to love?

[Rachel Cruz]

I know. So when you are out shopping and you gotta swipe a debit card, I take my Fairwinds out and it says debt is normal. Be weird. And it is one of my favorites because I did the Smart bundle where you sign up and you get a checking account and you get a high yield savings account and you can have up to 10 of those accounts for

[George Camel]

all of your sinking funds, all the savings accounts, all the things you're saving for vacations, a car.

[Rachel Cruz]

It's amazing. So fair wins. They have great rates. They're just amazing. They really are. Especially in the high yield savings genre. They have a great savings interest rate. So yeah, we love everything about them. Even their app.

[George Camel]

Oh yeah.

[Rachel Cruz]

It's so user friendly. You guys like it is to transfer money back and forth, like whatever you have to do. They make it so simple.

[George Camel]

Look what I did, Rachel. I added my Fairwinds debit card to Apple Pay.

[Rachel Cruz]

Yes.

[George Camel]

In just mere seconds. You hold the card on the back of the phone.

[Rachel Cruz]

Yeah, yeah.

[George Camel]

And you see it's there and it's the same exact graphic that's on the card.

[Rachel Cruz]

So now I love it.

[George Camel]

Even if I'm walletless, I can still pay my Fairwinds debit card. That's what's up. So go check it out. Go to Fairwinds.org Ramsey to open your Smart bundle today.

[Rachel Cruz]

All right, let's do a little rapid fire real estate. Q and A, George. Okay. When it comes to still the celebs, this will be fun. Ready? Which billionaire still lives in Omaha, Nebraska? The home he bought in 1958.

[George Camel]

Warren.

[Rachel Cruz]

Warren Buffett.

[George Camel]

Buffett legend.

[Rachel Cruz]

One of. I think he's a what, like the second richest guy in the world or third or something?

[George Camel]

Sure. Who knows now these days?

[Rachel Cruz]

Crazy.

[George Camel]

But as of early 2026, he's worth just under $149 billion. And he paid just $31,500 for his home that he still lives in.

[Rachel Cruz]

Isn't that great?

[George Camel]

He truly is. Like, he goes to like McDonald's and just drinks like Dr. Peppers. Like he's the true like old guy who just doesn't give a rip and

[Rachel Cruz]

he just doesn't need it. He's like, I'm good.

[George Camel]

Who's he trying to impress?

[Rachel Cruz]

I'm good.

[George Camel]

All right, next up, which Grammy awarded musician recorded her debut album in her childhood? 1,208 square foot home.

[Rachel Cruz]

Well, we know it's not Jojo just A little too. I'm gonna say Adele.

[George Camel]

False. Billie Eilish wouldn't have guessed that. Honestly.

[Rachel Cruz]

Some fun trivia.

[George Camel]

Her parents still live there as of 2024. I know she's a. She loves her family because she does everything with her brother.

[Rachel Cruz]

Yes.

[George Camel]

Like, he's a big part of her music career.

[Rachel Cruz]

Okay, George, there's four celebrity couples. Which of these did not lose their homes in last year?

[George Camel]

That many lost it that we're just going. Who didn't?

[Rachel Cruz]

Wildfires. I know. Heidi and Spencer Pratt. Kris Kardashian, Kori Gamble, Mandy Moore and Taylor Goldsmith or Adam Brody and Leighton Meester.

[George Camel]

Okay, I know. I think I heard about Heidi and Spencer.

[Rachel Cruz]

Yep.

[George Camel]

Big fan of Mandy and Taylor.

[Rachel Cruz]

Yes.

[George Camel]

Because of Taylor's music career. And I do remember Adam Brody talking about this. So it's gotta be Chris.

[Rachel Cruz]

Yeah, Chris made it out. The house. Made it out.

[George Camel]

Did she hire one of those, like, private firefighting companies?

[Rachel Cruz]

You know, probably.

[George Camel]

I heard that was a thing.

[Rachel Cruz]

Who's not to, you know, as long. Well, I guess that is a little. Is that a little sketchy because they ran out of water.

[George Camel]

Yeah, there was a moral sort of thing that people were upset about.

[Rachel Cruz]

Yes.

[George Camel]

But, you know, what wouldn't you do to save your home?

[Rachel Cruz]

You got it.

[Amanda Seyfried]

I don't know.

[Rachel Cruz]

Yeah.

[George Camel]

All right, next up, Taylor Swift's real estate portfolio is valued at approximately $123 million, including a historic Rhode island coastal home, a Tribeca townhouse, and a Beverly Hills mansion. Which are you choosing as an Airbnb? No right or wrong here.

[Rachel Cruz]

Oh, probably the New York.

[George Camel]

Yeah, you're a New York guy.

[Rachel Cruz]

Like a. Built like a full building. Like that one we saw.

[George Camel]

Oh, yeah.

[Rachel Cruz]

Yes. Of. Who was it that had a little washer and dryer? Oh, oh, Amanda, like. No, no, no. Taylor's is like a mansion in the middle of New York City. Yeah, basically. So I'm going there.

[George Camel]

I'm going. I'm going to summer at the Rhode island coastal home.

[Rachel Cruz]

We don't get to choose all three

[George Camel]

up, but I'm doing fall to try back a townhouse. Then winter, I'm going to Beverly Hills. Final answer.

[Rachel Cruz]

Great, George.

[George Camel]

That's why you have multiple homes. Yes, but no. I do think the Tribeca townhouse. I like something a little cozier. What am I going to do with a giant mansion?

[Rachel Cruz]

Yeah.

[George Camel]

With no friends. Who am I gonna call?

[Rachel Cruz]

George, we'll hang out with you.

[George Camel]

Thank you.

[Jojo's Mom]

We will.

[Rachel Cruz]

Okay, which Star wars legend has a house named Skywalker Ranch, complete with a man made lake called Lake Ewok.

[George Camel]

Yeah. You nailed it.

[Rachel Cruz]

I could barely get through this, y'. All, this is the craziest thing I've ever.

[George Camel]

That was a lot for you.

[Rachel Cruz]

Is that Mark Hamill who played Luke? Harrison Ford who played Han Solo? Carrie Fisher who played Princess Leia, or George Lucas, the director?

[George Camel]

Well, I mean, if you're Han Solo, you're not gonna make Skywalker Ranch. And I doubt Carrie Fisher. That feels like a dude thing. I'm gonna go with the director.

[Rachel Cruz]

Mark Lucas. Yeah, it's George. George Lucas.

[George Camel]

Wow. I guess if you're like the.

[Rachel Cruz]

You know, if you made Sky, I guess if you made Star wars, you get to do what you want.

[George Camel]

I mean, wouldn't you have, like a Ramsay Ranch or something?

[Rachel Cruz]

Nope.

[George Camel]

Not for you.

[Rachel Cruz]

Don't think I would.

[George Camel]

Not even in, like, an influencery way?

[Rachel Cruz]

Nope.

[George Camel]

Okay. Don't think I would imagine Winston out

[Rachel Cruz]

there on the ranch dude thing. Dave would.

[George Camel]

Well, of course Dave would.

[Rachel Cruz]

Well, that's why he could, like, creators,

[George Camel]

have a TV show with Winston where it's like, you guys living on a bougie ranch.

[Rachel Cruz]

No.

[George Camel]

Do I have to dream up everything for you?

[Rachel Cruz]

We're not that cold, George. We are not that cold. Okay, the last one. What's one thing in your current home that teenage you would freak out over?

[George Camel]

Oh, man.

[Rachel Cruz]

Mine would be the pool.

[George Camel]

Oh, yeah. That pool is legendary.

[Rachel Cruz]

Give me a high. Yeah, Rachel, in high school, we always went to the friend with the pool.

[George Camel]

Well, it's the most fun thing in your house to do.

[Rachel Cruz]

For sure. Yeah. What about you?

[George Camel]

You know, for some reason, when I got the speakers built into the ceiling in the living room, I was like, this is it.

[Rachel Cruz]

It's like a childhood thing. Yeah, yeah, yeah.

[George Camel]

Speakers in the ceiling. I was like, you are a billionaire.

[Rachel Cruz]

Yeah.

[George Camel]

And when I found out you can just pay for that, I was like, absolutely.

[Rachel Cruz]

Yes. That's a good one. The sound system. Yes. That's good.

[George Camel]

That's nerdy.

[Rachel Cruz]

I love it. Well, I'm glad that you are protecting that inner child of you, George. You're really speaking to him. I know, but you know what else you have to look out for is adult George and protect him. Especially online.

[John Stamos]

Oof.

[Rachel Cruz]

And that's where Delete Me comes in. Because Delete Me comes in and removes your information from all these data broker sites. And, you guys, this is information that you don't even know is out on the Internet. Like, your old home addresses are out there. Cell phone numbers, email addresses, your kids names, your parents names, your aunt, uncle's names. Like Everything that is attached to you, they create this whole profile of you and they sell all your information to these companies and then that puts you at risk for scams and fraud and phishing and all of this. We don't want that.

[George Camel]

I had that happen. And they use an old address I didn't even live at to commit the fraud.

[Rachel Cruz]

Oh, my gosh.

[George Camel]

Yes. So I'm very glad to know that in today's world, I don't have to worry about that. Thanks to Delete me. They scour the Internet for me, removed it from these sites, send me a report. It's so incredible and it's worth it. Especially if you're married, have a family, you gotta have this. So go to JoinDeleteMe.com, smart money, and you'll get 20% off their annual plans.

[Rachel Cruz]

Okay. A little hot take, George. You know, if you're in a. If you're a homeowner today, at any level, you're doing really well. You're doing great. I mean, seriously, like, that is a dream for a lot of people. So if you're feeling a little average because of all these celeb videos.

[George Camel]

I don't own that home.

[Rachel Cruz]

Yeah. Or like my kitchen doesn't look like that or whatever. Homeownership in today's world, like, good for you.

[George Camel]

It's already a win.

[Rachel Cruz]

You're doing great.

[George Camel]

You're doing better than most of the world if you own a home, because most of the world doesn't. It's a very American thing to be so focused and gung ho on home ownership. So just know that if you own one, be grateful. If you don't own one, it's not too late.

[Rachel Cruz]

No, no.

[George Camel]

You still got plenty of time. You could be like old John Stamos at 56, getting his first adult home.

[Rachel Cruz]

That's right. So, yeah. So remember, you want to be out of debt and have a fully funded emergency fund and have at least 5% to put down on a down payment. And your mortgage payment should be no more than 25% of your take home pay on a 15 year fixed rate mortgage. That's kind of the parameters of it.

[George Camel]

That's the advice.

[Hilary Duff]

Yeah.

[Rachel Cruz]

And then once you get it though, I think there is something about the contentment piece that's big because we compare so much of our lives, right. From like your job versus someone else's

[George Camel]

job or what your parents own versus what you have.

[Rachel Cruz]

Yeah, all of it. And I just. Yeah, there's something about putting the blinders on, especially with homes that it's good. You know what I mean? Like, you're doing it, and you can upgrade later. You can do some renovations. Like, you can always do something different. But the gratitude in the present is really big because you're always gonna be chasing the next thing. Right. Even if you build a house, there's

[George Camel]

always another thing you can do.

[Hilary Duff]

Yes.

[Rachel Cruz]

There's always, like, there were thread of something here, whatever. Right. So, like, just enjoying where you're at, I think, is really important.

[George Camel]

And homes are the most visible form of wealth you can own, and so it's just the easiest thing to compare. And you don't know the details of their life. You don't know what's going on inside the home.

[Rachel Cruz]

That's right.

[George Camel]

The stress, the chaos. Do they have a HELOC and things are tight. Maybe it's paid off and they're living a great life. Either way, what good does it do you to spend all of your energy on that?

[Rachel Cruz]

Yeah. So the comparison game. We'll end it here together. Y' all practice that done after this episode, especially on the homes.

[George Camel]

And if you're thinking you're one of those people who's like, must be nice. Well, listen, there are things that you can do to reach your homeownership goals. And I would start with Ramsey's real estate hub. Tons of resources on there to help you do it. Right. We'll drop a link in the description.

[Rachel Cruz]

All right. Before we spill the tea on our guilty as charged segments, who finished it first? I'm gonna say me.

[George Camel]

Yeah. You were thirstier.

[Rachel Cruz]

I was.

[George Camel]

Which I noted before we started filming that I've never seen you drink water. Have you?

[Rachel Cruz]

Yes. I don't carry around, like, a lot of coffee. I drink a lot of coffee and a lot of tea, which I think both those things dehydrate you, but no, I will. I try to chug.

[George Camel]

You never complain, though.

[Rachel Cruz]

I try to chug, like, two bottles of water a day, which would be what, maybe 32. 32, yeah. And you're supposed to drink, what, half your body weight?

[George Camel]

Half your body weight is what I've heard. I don't think that's true. I think it was debunked by Mythbusters or whoever or Evelyn was everything. And he like, when you're thirsty, drink water.

[Rachel Cruz]

Oh.

[George Camel]

And it's like your body will tell you when you need to be hydrated.

[Rachel Cruz]

Okay, that's good to know.

[George Camel]

So don't focus on if I didn't drink 64 ounces, first of all, like, unless you have a catheter in all day. There's too many bathrooms. Trips.

[Rachel Cruz]

It is funny. Have you seen the memes about the wife who's like. You complain that you have a headache or that you have to sneeze or something in your house.

[George Camel]

Oh, drinking. That's what you need to make. Every time I complain about anything, she's like, have you had water?

[Rachel Cruz]

Have you drank water? I know, I love it.

[George Camel]

I could be like, man, this weather's bumming me out.

[Gwyneth Paltrow]

Yeah.

[George Camel]

Have you had water today?

[Rachel Cruz]

Did you get some water?

[George Camel]

It solves all problems.

[Rachel Cruz]

Okay, what am I. I'm gonna rate this. I'm going six and a half out of ten.

[George Camel]

Okay.

[Rachel Cruz]

Because here's my thing. I probably wouldn't order it at a restaurant, but if someone served it to me, I'd drink it.

[George Camel]

Sure.

[Rachel Cruz]

So there we go.

[George Camel]

That's a good low bar.

[Rachel Cruz]

How's that feel?

[George Camel]

I'm going. I'm going four out of ten. And that's. That's lowest. That's one of the lower ratings I've given. It's really not bad at all. But it just did nothing for me. It's not punchy enough. It didn't have enough sour. It wasn't sweet enough. Yeah, it's a little bland.

[Rachel Cruz]

Yeah, I could see that.

[George Camel]

But I'll tell you what's in it. It's got vodka, blue curacao, cranberry juice, and pineapple juice.

[Rachel Cruz]

Oh, all those make sense. Yeah, the pineapple gives an aftertaste a little bit.

[George Camel]

Yes.

[Rachel Cruz]

Getting a little aftertaste.

[George Camel]

But I think it's because it's vodka, which isn't my favorite. Cause it just disappears into the drink. So it just felt like I was drinking juice.

[Rachel Cruz]

It's part of it.

[George Camel]

I need something that stands up on its own.

[Rachel Cruz]

Oh, I didn't know that about that.

[George Camel]

And that's what, like, a gin, tequila, bourbon does for me.

[Rachel Cruz]

Yeah, yeah, you can be very specific.

[George Camel]

But, hey, it's cheap. If you want to go try it at home, it's $1.50 to make a serving. It's called the Purple Rain. Get the recipe in the show notes. Give it a try this weekend if you are of age.

[Rachel Cruz]

All right, now it's time for guilty as charged. And this is where we ask each other a guilty as charged question every week. And if we're guilty, we take a s. All right, George, question. Are you guilty of throwing money at a problem? And if so, did it work?

[George Camel]

I mean, yeah. Isn't that what problems are for? Most can be solved with money.

[Rachel Cruz]

It's so true.

[George Camel]

The one that comes to mind that like is still a problem that I'm still throwing money at is my dog, man.

[Rachel Cruz]

The dog saga.

[George Camel]

I know my Frenchie Blue. And his ibdd, his spinal surgery, we got him. And then there's rehab. He goes to acupuncture, he does the underwater treadmill therapy, the hydrotherapy, the medic, the medications that he's on, the, the wellness checks.

[Rachel Cruz]

George, you're keeping.

[George Camel]

And now we gotta figure out his. His food and GI stuff or take him to like a holistic doctor.

[Rachel Cruz]

No, George. Camel, I can't.

[George Camel]

It's called Sunk cost Fallacy. We've gone too far and he's good enough that it's like, well, we're not.

[Rachel Cruz]

What else are we gonna do?

[George Camel]

Yeah, we just need to try to get him to 100 because he's at like 80. So he can, he can walk, he can kind of run around. His back legs don't bend, but they kind of hop like a bunny on the back, like together. You know what I mean? But that's the new thing. We're trying to get him to bend. Him in rehab, George.

[Rachel Cruz]

This is.

[George Camel]

We have him in a little diaper with suspenders in the house.

[Rachel Cruz]

No.

[George Camel]

It's really cute actually.

[Rachel Cruz]

You have added so much stress and so much. I don't even want to know. Are you adding it up for fun just for your own?

[George Camel]

I haven't because it's too dark. It's too dark. Like they would have funded my kids college twice over.

[Rachel Cruz]

Oh my gosh.

[George Camel]

If I just let that amount ride in an investment account.

[Rachel Cruz]

Yep.

[George Camel]

But you know, do what you gotta do. I realize, and I've said this to you, what else am I gonna spend money on other than the people and things that I love? Is that a crime?

[Rachel Cruz]

So your dog is a thing.

[George Camel]

Some people have luxury items. I have a luxury dog dog.

[Rachel Cruz]

And that's what it's gonna be.

[George Camel]

You know what I mean? Some people build a pool, some people go, I'd rather try to rehab a dog with that money.

[Rachel Cruz]

Put some underwater treadmill therapy.

[George Camel]

So how about you?

[Rachel Cruz]

I just thought we went on a trip and we were driving there.

[George Camel]

It's pretty selfish.

[Rachel Cruz]

We were driving there and I had. I'm on a new kick with my clothes. When I travel, I keep them all on hangers and I fold this way and like pack it with my hangers. So when I'm somewhere, I go right in the closet and I just can hang it up.

[George Camel]

It's heavier.

[Rachel Cruz]

A little heavier. Well, I have the really thin Velvet hangers.

[George Camel]

Yes.

[Rachel Cruz]

They're very thin, so it's a great little trick. Well, Rachel forgot to pack the hanger. Forgot to pack the hanging clothes.

[George Camel]

All of it.

[Rachel Cruz]

All of them.

[George Camel]

Which is all of your clothes.

[Rachel Cruz]

All of my clothes. So I get to the destination and I like, gasp when I open it. I was like, no way. No way, y'. All. I forgot my.

[George Camel]

What kind of trip was it?

[Rachel Cruz]

So I went. No, it was like a. Like a three night little trip. It was in Georgia at this place.

[George Camel]

Okay.

[Rachel Cruz]

So I went to the nearest Target and just bought all new clothes.

[George Camel]

Just one ham at Target. What's the. What's your favorite brand at Target? Oh, brand new day. Are you we. Are we doing brand new day?

[Rachel Cruz]

Are we doing brand new? Good for you, George. Honestly, I don't even. No. Isn't there, like a thread?

[George Camel]

A new day.

[Rachel Cruz]

A new day. A new day.

[George Camel]

I knew it had a new day in it.

[Rachel Cruz]

You know what? I don't even. I'll be honest. I don't even know. I just see what looks cute at Target and I grab it.

[George Camel]

There's really nice stuff there, though.

[Rachel Cruz]

No, there's great.

[George Camel]

They're keeping up with the trends.

[Rachel Cruz]

Actually, someone we work with had on a shirt today. I was like, that is the cutest shirt. She was like, target. I was like, you may see me in that next week.

[George Camel]

I feel like every woman's toxic trait is having to tell you it's from Target as soon as you compliment it.

[Rachel Cruz]

I know, because we all bond over it because, you know, like, I can do that too, you know?

[George Camel]

Yes.

[Rachel Cruz]

It feels like I could get that,

[George Camel]

but I think it's also because they're uncomfortable with the compliment, so it feels like they can deflect.

[Amanda Seyfried]

Oh.

[Rachel Cruz]

And make it like. Yeah, yeah, I could see that too.

[George Camel]

If it's from anthropology, you're rarely like, oh, it's from Anthro. You know what I mean? That feels like a flex.

[Rachel Cruz]

Yeah, yeah, yeah. But it's like the.

[George Camel]

You're sort of like you're punching up instead of punching down, as we would say in comedy.

[Rachel Cruz]

As we say comedy.

[George Camel]

There you go. Well, good for you for getting a new. Some new dress.

[Amanda Seyfried]

I did.

[George Camel]

I got a couple new things, so

[Rachel Cruz]

I wasn't too mad about it.

[George Camel]

Oh, nice. Did Winston get to do one of

[Rachel Cruz]

them was like a plaid shirt that's a little bit not fun anymore.

[George Camel]

So I was, like, out of style.

[Rachel Cruz]

Oh, just.

[George Camel]

Yeah, Goodwill or even better, we should do a charity auction with Rachel's old clothing.

[Rachel Cruz]

Oh, yeah.

[George Camel]

I think that would be really fun and I want to be part of it. I'll be like the auctioneer on the live stream.

[Gwyneth Paltrow]

That would be good.

[George Camel]

We got 20. We got 20. We got twenty.

[Rachel Cruz]

Like, from like Amazon and Loft. Though I don't know how much it'll bring.

[George Camel]

It doesn't matter if Rachel once wore it.

[Rachel Cruz]

Oh my gosh.

[George Camel]

I don't think that's so great.

[Rachel Cruz]

Well, make sure to DM us your guilty as charged questions at Richell Cruz and George Camel, because we get them, we appreciate them, you'll give some great ideas. And if you love this episode, you're going to love our episode. Answering your top housing questions. We will link it for you and make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.