Reacting to Random Things People Used Their “Emergency” Fund For

Summary

Smart Money Happy Hour with Rachel Cruze and George Kamel Episode: Reacting to Random Things People Used Their “Emergency” Fund For
Release Date: February 20, 2025
Host/Authors: Rachel Cruze and George Kamel
Produced by: Ramsey Network

---

Introduction

In this engaging episode of Smart Money Happy Hour, Rachel Cruze and George Kamel dive into the intriguing and sometimes unexpected ways people utilize their emergency funds. Hosted by the Ramsey Network, the show blends financial expertise with relatable anecdotes, pop culture references, and a touch of humor to explore the nuances of personal finance.

The Importance of Emergency Funds

Rachel and George kick off the discussion by emphasizing the critical role of an emergency fund in providing financial stability and peace of mind. Rachel shares a personal account of a friend involved in a minor car accident, highlighting how an emergency fund can help navigate unforeseen expenses.

George Kamel [02:47]: "I was like, man, it is so good. Great. When you have an emergency fund, there is a level of just calmness and peace when you're like, I just have cash in the bank."

They cite a statistic revealing that 40% of Americans can't cover a $400 emergency in cash, underscoring the necessity of having readily available funds. The conversation transitions to differentiating between minor and major emergencies, advocating for starting with a $1,000 emergency fund to handle everyday surprises before expanding to cover three to six months of expenses for more significant financial setbacks.

Listener Stories: Unusual Uses

The heart of the episode revolves around listener-submitted stories detailing unconventional uses of emergency funds. Rachel and George react to a variety of scenarios, ranging from animal-related emergencies to unexpected medical expenses.

1. Animal Emergencies:

   • Raccoon Removal: One listener used their fund to pay $99 per raccoon for removal services.
   • Rodent Infestations: Stories include dealing with persistent rats in kitchens and snakes in garages, showcasing the unpredictable nature of such emergencies.

   Rachel Cruze [04:44]: "We've talked about this on the show. Do you have a number? I do have a number in my head of like, here's how much you'd spend."

2. Medical and Family Emergencies:

   • Childbirth Complications: Covering the cost of an unexpected epidural during childbirth for uninsured individuals.
   • Accidents and Illnesses: Instances like breaking a child’s leg or getting a tooth chipped unexpectedly.

   George Kamel [07:36]: "Would you pray for that couple every day?"

3. Financial Strains:

   • Job Loss and High Volume Job Applications: A listener was laid off and had to apply for 260 new jobs before securing employment, relying heavily on their emergency fund.

   Rachel Cruze [17:34]: "She bought a house, used equity from the sale of the previous home. Love that."

These stories illustrate the diverse and sometimes surprising ways emergency funds can be tapped, reinforcing the need for adequate financial preparation.

Protecting Your Data

Transitioning from financial emergencies to data security, Rachel and George discuss the importance of safeguarding personal information in the digital age. They recommend using services like DeleteMe to remove sensitive data from broker websites, thereby reducing spam calls and enhancing privacy.

Rachel Cruze [18:25]: "Our writer Savannah decided to put herself into this. Here's her story."

This segment underscores the evolving nature of emergencies in the modern world, where digital vulnerabilities can also pose significant threats.

Guilty as Charged: Personal Stories

In the "Guilty as Charged" segment, Rachel and George candidly share their own experiences where they inadvertently caused financial emergencies. These relatable anecdotes add a personal touch to the discussion, highlighting that everyone can face unexpected financial hurdles.

1. Rachel’s Car Mishap:

   • Attempting to be a hero by picking up a friend led to her Tesla dying, resulting in unexpected repair costs.

   Rachel Cruze [35:56]: "It involves my car, and I was trying to be a hero, trying to pick up our friend Dr. John Deloney from his house."

2. George’s Minivan Accident:

   • Purchasing a minivan that malfunctioned within two days, causing significant damage and unexpected expenses.

   George Kamel [38:54]: "We bought a minivan and we had it for literally not even 48 hours."

These stories serve as reminders that even well-intentioned actions can sometimes lead to unforeseen financial demands, further validating the necessity of having an emergency fund.

Practical Advice: Building and Managing Your Emergency Fund

Rachel and George offer actionable steps for listeners to establish and maintain an effective emergency fund:

1. Where to Keep Your Emergency Fund:

   • High-Yield Savings Accounts: They recommend placing funds in accounts that are liquid, FDIC-insured, and free from maintenance or hidden fees to ensure easy access and some growth aligned with inflation rates.

   Rachel Cruze [31:40]: "Where to put it? I recommend a high yield savings account. The goal is not to make money, so don't invest into the stock market."

2. When to Use the Emergency Fund:

   • Three Key Questions: Rachel suggests evaluating whether the expense is urgent, necessary, and unexpected before tapping into the fund.

   George Kamel [32:27]: "Is it urgent? Is it necessary? And is it unexpected?"

3. Sinking Funds for Planned Expenses:

   • Besides emergency funds, they advocate for sinking funds to cover routine expenses like car maintenance, preventing these costs from encroaching on emergency savings.

   Rachel Cruze [33:08]: "Set up sinking funds in your budget in every dollar to get these going."

Conclusion

Throughout this episode, Rachel Cruze and George Kamel effectively blend storytelling with financial wisdom, offering listeners a comprehensive understanding of how to manage and prioritize their emergency funds. By sharing both listener stories and their own experiences, they underscore the unpredictable nature of life’s financial challenges and the importance of preparedness.

The episode concludes with a delightful discussion of their signature drink, the Cubanata, and hints at future topics, maintaining the show’s characteristic blend of finance talk and casual, relatable conversation.

---

Notable Quotes:

• George Kamel [02:47]: "I just have cash in the bank."
• Rachel Cruze [04:44]: "Here's how much you'd spend."
• George Kamel [07:36]: "Would you pray for that couple every day?"
• Rachel Cruze [18:25]: "Here's her story."
• Rachel Cruze [31:40]: "Don't invest into the stock market."
• George Kamel [32:27]: "Is it urgent? Is it necessary? And is it unexpected?"

---

This episode serves as a valuable resource for anyone looking to understand the practical applications of emergency funds, enriched by real-life examples and expert advice from Rachel Cruze and George Kamel.

Transcript

[A]

Today we're talking about emergency funds, and more importantly and more entertaining, the weird things people have spent their emergency fund on.

[B]

I used the emergency fund because I had to bail my brother out of jail.

[A]

Ooh, Raccoon removal. It costs $99 per raccoon.

[B]

Hey, guys, I'm Rachel Cruz. I'm George Camel, and this is SM Money Happy Hour. Well, this is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money.

[A]

We're sipping on a Cubanata.

[B]

Ooh.

[A]

And we're gonna give you the rating and reveal the cost per glass at the end of the episode. So stick around for that.

[B]

That sounds so fun. Okay, so this episode kind of started because one of my friends got in a car wreck. Not a bad one. Everyone's okay. But it was on this, like, highway In Nashville in 96, if you're a Nashville person off, you know, in Franklin. And at a stoplight, and she gets hit. Well, the guy keeps going. So she's like, no, no, no. You just hit me. You just hit me. And so she ends up at a stoplight, and he's, like, a car ahead of her. So she gets out of her car at the stoplight, like, taps on the window. She's like, that's not loud. I thought that was gonna have a sound effect.

[A]

Just a gentle tap.

[B]

Just a. You know, she texts, and it's like this kid. And he, like, looks at her, and she's like, roll down your window. Roll down your window. And he rolls down. She's like, what are you doing? You hit me. And he's like, I don't know what to do. I don't know what to do. And she was like, you need to pull over. And we have to do insurance and call the police. Like, we have to do a police report. Like, you can't just drive off. But this poor kid, like, had no clue what he was doing. And so anyways, it was this whole thing about, like, when you're in an emergency, you don't always know what to do. Right. And as an adult, it's like, that's a very adult, like, thing. And if that's your first wreck. And this poor kid, like, panicked, I guess she was like, I felt like a mom. Like, I felt like the old woman in the scenario.

[A]

She's having to walk him through this and hold his hand.

[B]

Yes, I know. So anyways, we were just talking about emergencies, and then, like, the things that she had to pay for. Right? You Got to claim insurance and all of it. She didn't like to pay for much, but he had to. He didn't have a lot of money. So we're just talking about emergency funds and all of it. And I was like, man, it is so good. Great. When you have an emergency fund, like, there is a level of just calmness and peace when you're like, I just have cash in the bank. Because 40% of Americans can't cover a $400 emergency in cash. So there is something to be said about having money in the bank. And again, it's peaceful. But sometimes when we have money sitting in the bank, George, we end up spending it. And sometimes some weird emergencies come up.

[A]

And some of them may not be emergencies by my definition. So I'm excited to get into that.

[B]

About that one.

[A]

Well, here's some stats because, you know, I love a good stat to set up.

[B]

Did you see my stat earlier? Did you see I just threw in that 40%?

[A]

I noticed that. I was like, I hope she didn't steal one of my stats. I've been waiting to do these for a long time.

[B]

I've been so excited.

[A]

No, you didn't. You didn't encroach on my stats.

[B]

I'm so glad.

[A]

Here's one. More than 25% of Americans have less than $1,000 saved. Okay, so there you go. The average car repair is between 5 and 600 bucks, and average urgent care visit is between 1 and 300 bucks. I don't think I've ever gotten out of urgent care for 100 bucks. That feels cheap. Urgent care feels like they always charge you way more than you want.

[B]

Yeah. Don't you do insurance, though, for that?

[A]

Yeah, but I feel like urgent care is always more expensive. Like, insurance doesn't cover enough of it.

[B]

So urgent. Right?

[A]

So urgent.

[B]

Yeah. So some of those, again, these are pretty common emergencies that pop up or things in life. So that's why we recommend starting out with $1,000 emergency bank, because those can usually get kind of these ankle biter things. Right. As you're getting out of debt, having that thousand dollars is so important. And again, it covers these. Not the big emergencies, but these little ankle biter ones.

[A]

Yeah. And my last few emergencies were all well under a thousand bucks, so I can attest to this. But for more expensive ones, like replacing an H vac system, I mean, that's like six grand. You know, we're paying 3,500 to meet a deductible for an ER visit. That's why you Want to get to that fully funded emergency fund fast. It's one reason to get out of debt fast so that we can get the emergency fund fast.

[B]

Yeah, it's good motivation in that way, right?

[A]

Yeah.

[B]

Keeps the progress going. So again, there's always something that comes up in life. But again, we're gonna react to this episode. I'm kind of excited about it.

[A]

This is gonna be a good one. Can we get into some of the listener submitted stories?

[B]

Yes. Oh, I can't wait.

[A]

Sad but real. The last week of our goldendoodle's life cost us $9,000. Like end of life care for a dog. I guess the surgeries you do to like to try to save the dog. Now that's super sad.

[B]

We've talked about this on the show. About. Do you have a number?

[A]

I do have a number in my head of like, here's how much you'd spend. Like, let's say that the doctor said it's going to be 12 grand to attempt to save the dog.

[B]

Yeah. We can't.

[A]

You're saying no.

[B]

No. Oh, for 12 grand.

[A]

No, I'm just. I'm putting a number.

[B]

I'm not saying that's my 12 grand. I mean the dog's been great, but I. Yeah, we're not. I'm not doing that. You would spend $12,000?

[A]

I'm not saying I would or wouldn't. I do think here's my thing. I'm okay having like a. You know how we have a high deductible health care plan that covers like, hey, this is worst case scenario. Sure, I'm okay with that. For dogs.

[B]

Yeah, that's right. You talked about this pet insurance.

[A]

You're not mad at pet insurance? Like, I try to get the lowest, lowest cost possible. This is my kind of like just, I want it for peace knowing that if there was a medical event and a surgery that had to be done for my dog that was $10,000, my out of pocket max would be a fraction of that.

[B]

That's fair. Okay. PETA is going to probably cancel us for this next question, but I'm going to ask.

[A]

I don't want to be involved in your cancellation. You can do that yourself.

[B]

You ready for this question? If your dog had to have a wheelchair.

[A]

100%. You kidding me? I'd have like you. They would go ballistic on Instagram for a dog in a wheelchair.

[B]

What are you going to do with on Instagram? Just content or you make money off your dogs?

[A]

I'd quit my job and go full time dog and wheelchair Instagram content.

[B]

Yeah. Have you seen these, though? Dogs that are in many wheelchairs. And that's. I draw the line. I'm sorry. You've had a great life. That is a terrible life.

[A]

What if they could have a totally normal life?

[B]

You are dreaming of running fields and you're, like, in a wheelchair. No, I can't. I can't.

[A]

Why can't they just be on a sidewalk? Why do they gotta be going through a field?

[B]

Cause I actually have a real dog, George, that likes to run and hunt.

[A]

Wow. I thought you were gonna get canceled for breeding dogs, not the whole wheelchair situation.

[B]

Only once.

[A]

No, I had 100. I'd get a wheelchair for my dog.

[B]

You would?

[A]

Yeah.

[B]

Okay. Well, that's.

[A]

That's a tough one, though. That's when you feel like I'm willing to sink a lot of money because this is a family member.

[B]

Okay, here's one that I feel like I have more of the right to say out loud than you do. Got an epidural without planning on it for uninsured people. The cost of an epidural during childbirth can range from a thousand dollars to over $8,000 for an epidural. Again, this is for uninsured people. So this person was not planning on getting it. Make up a story in my head. Natural childbirth, going in with the birth plan, what they want, you know? And then all of a sudden, it's.

[A]

Like, there's no other option. Essentially.

[B]

There was a Ramsey show called. Do you remember this a few years ago of a. It was a woman calling in and saying that her boyfriend was making her pay for.

[A]

I remember that. She was like, well, that's something you chose to get. Therefore, you got to pay for it. You got to pay for.

[B]

Oh, gosh. Unbelievable.

[A]

Would you pray for that couple every day?

[B]

You ever had to have a baby, George?

[A]

Would you hope that man is still alive? Would I pay for an epidural out of pocket? 100?

[B]

Yeah, you would do it.

[A]

Experiences that I'm gonna shell out money for. I feel like delivering my human child is the one thing I should be like, yeah, let's go ahead and make sure this goes well.

[B]

Make sure this is covered.

[A]

It's insane.

[B]

Yes, I know, I know.

[A]

I'm team epidural. I'm willing to say it. Bravery.

[B]

Oh, man.

[A]

There's some crunchy moms that I'm sure would come after people.

[B]

And non epidural people are the same, or do we think these are, like, all different camps?

[A]

Let us know in the comments.

[B]

You will let Us know.

[A]

I didn't know there was, like. We're separating the team epidural or team wheelchair for dogs.

[B]

I feel like you fall on wood.

[A]

Pitting them against each other. All right, how about this one? Here's an emergency 3400 IRS bill in the mail.

[B]

Ouch.

[A]

It's not the mail you want to get.

[B]

That's not what you want.

[A]

Irs. That's a scary one, though.

[B]

Oh, yeah. Oh, yeah. And that moves up in the debt snowball. If you have debt and you're paying off debt, but you get an IRS bill, that's the first thing, number one.

[A]

Thing that gets paid off, you don't mess with them.

[B]

Okay. Gosh, I'm so controversial today. Here's another controversial stance on this one. I think I would rather owe. I mean, that's a lot, but, like, I would rather owe than get a refund. Get a refund.

[A]

Yeah. I'm with you on that.

[B]

And I'm saying from, like, a small. A small amount.

[A]

Not owe, like, 25 grand.

[B]

Gosh, no, no.

[A]

But just. I'd rather owe a thousand than have a refund of a thousand. Because that means you didn't give the government.

[B]

Yeah. Your money all year long, depending on where you are in the baby steps. Would that be true? But to get to that point would be. Yeah.

[A]

For reference, we recommend trying to get as close to zero as possible.

[B]

Yes. Not getting paid too much.

[A]

You didn't underpay.

[B]

That's right. Yep. For sure. All right, how about this one? Covered a family member's funeral costs. So the median cost for a funeral. Get this. Is $8,300, according to the National Funeral Directors Association.

[A]

That's.

[B]

That's a hefty bill.

[A]

I kind of think funeral homes are a scam.

[B]

Oh, well, tell me more.

[A]

I just feel like, what do we. What are you paying for? You know what I mean? Like, they can charge what they want because you're going through all this grief and you have no other option.

[B]

Yes, that's true.

[A]

So that part. I'm not saying funeral homes, burial, the.

[B]

Casket, like, all of that's very expensive. And people get, like, very nice, beautiful.

[A]

Just go to Costco.com they have some beautiful options. They sell them.

[B]

Stop it.

[A]

They sell caskets.

[B]

They do.

[A]

I'm not buying it from the funeral home. I'm getting it in bulk. Get one for the whole family while I'm at it. I don't know, George, but do you think it's. It's wild to get, like, a fancy casket. That part always Throws me off.

[B]

Rachel's so bougie. Dead or alive. There's just something about, like, going out.

[A]

Well, I want it bedazzled.

[B]

It just feels right. It just feels right. Like me at a Costco casket.

[A]

Just. Why are we dogging the Kirkland casket? You want a name brand casket? Name one brand of casket.

[B]

I don't know.

[A]

I don't know. Does Louis Vuitton make one that you'd like to have?

[B]

I wouldn't do a designer casket.

[A]

That's a thing, too. No, I don't.

[B]

You just said Louis Vuitton. I'm like, I wouldn't do that. I don't know. There is something. It's so morbid. But, like, people you love that you're like, I don't know. You just want to, like, honor. There's like an honoring. There's a. I don't know. There's something to it. I mean, I understand the practicality. Yes. You're not alive. You're not gonna know. I get it. But I do think there's something about laying to rest. I don't know. Would you get cremated?

[A]

I'm still iffy on that one. Although I like the idea of me, like, turning into a tree that then gets made into a guitar, like that kind of thing. That's very intriguing to me. You know what I mean? That's the thing. You can, like, plant it and then it becomes a thing, and then you can use that thing to make things. I like being useful. I feel like I haven't been useful for most of my life. So after I'm gone, I want to contribute.

[B]

You can keep being reused.

[A]

Yes.

[B]

A pipe. Smoke it.

[A]

Yeah, that's beautiful. I think that's great. Keep it in the family. Oh, my gosh.

[B]

How about you, George? I would get a memorabilia.

[A]

Thank you. Yeah, I could sell it as merch. I know. Get a piece of me. You want a piece of me? 9.95.

[B]

You want a piece of.

[A]

To all my haters, you can now get a piece of me. I would want to monetize. I think I would want to monetize my funeral.

[B]

That's fair.

[A]

You know, that feels like I'd go out with a bag.

[B]

I think that feels right for you. I think that feels right for you.

[A]

Pay for the live stream. You pay for some ashes. You know, I think it's a beautiful way. I want to go out with comedy.

[B]

Oh, George.

[A]

But that is an expensive one. I hope family can all chip in or, you know, I want to make sure my family's not worried about that.

[B]

You know, we say to have life insurance for people that are dependent on your income. But I have heard people say, I'm going to get life insurance as a single person. Very, very small coverage to cover, you know, funeral expenses. But I think I would say instead of going through that kind of all that process, just have the money in the bank. Yeah, yeah. Have a. Have a separate fund for that. If you really are, you know, concerned about that.

[A]

That's beautiful. All right, next one. Unexpectedly went into labor and had my baby at home. Oh, my emergency fund covered the ambulance bill.

[B]

Oh, my dear. Could you imagine? Now there are home births. Right? All about it. Whatever. You go, girl. But an unexpected one is scary.

[A]

Or you weren't planning for that.

[B]

You were not planning for that.

[A]

No doula, no midwife, just. Oh, gosh, here it is.

[B]

That's a. That's a scary one.

[A]

I got scared that was gonna happen to us.

[B]

Yeah.

[A]

Because Whitney woke me up in the middle of my slumber. She claims it was very calm, but she was like, hey, I just need to know, like, I think, you know, you should get up and shower. She knew that was a big thing for me. I wanted to be showered. Cause you gotta be. I don't wanna be unshowered for seven days on end. I'm gonna be in a bad mood. So she said, hey, get up and shower. Get ready. I think we need to go. And I jumped out of bed. All right, let's go.

[B]

Let's get in the car. On father. The bride, too.

[A]

Just like that.

[B]

I know. Just all panicking.

[A]

So that's a real scare. But luckily we made it in time. But not making it and then having to go, you know, to the hospital. Once the baby's delivered safely, we got to get right to the hospital and do all the things they do there.

[B]

Yeah, it's a lot.

[A]

That's stressful.

[B]

Yeah. Carolyn came about an hour after I got to the hospital, which is cutting it.

[A]

Good timing.

[B]

Too close to.

[A]

Yeah, that is.

[B]

I need. I need a few more buffer hours there. Just making sure no one's not coming out.

[A]

Timing is very difficult. I got a lot of. A lot of empathy for people stressed out about the timing.

[B]

It's a lot. It's a lot. All right, next. My 48 year old hot water heater died. Sorry, the sentence was all jumbled in my eyes. Thank you.

[A]

Yeah, no, it was perfect on paper.

[B]

Yes. 48 years.

[A]

When it went through your brain into your mouth.

[B]

Year old and then died, I thought, oh, no, we're going back to funerals. But now, no, it's just the hot water heater. And paid $1,353 for a new one without batting an eye.

[A]

Are water heaters that cheap? Can anyone verify? Okay. I thought they were way more expensive in my head. I guess I'm thinking more H vac. But water heaters are cheaper. 48 years old. That's a heck of a run.

[B]

That's what? Well done. You know, they don't make them like.

[A]

They used to in water heater years. That might as well be 170.

[B]

Amazing. Amazing.

[A]

All right, how about this one? Surgery on my wrist cost 3500 bucks. But I play instruments for a living, so I had to.

[B]

Now that is fair.

[A]

I didn't think about that.

[B]

Okay, have you heard this? That musicians will ensure parts of their body for more.

[A]

Oh, like my hands? Because I need that for work.

[B]

Yes. Yes.

[A]

So if something happens to my hand, I need it to replace my income.

[B]

Yes. So, like, guitar. Yep, that's exactly.

[A]

It's kind of like a living life insurance.

[B]

Yeah. That if you literally can't work anymore, it's like a disability insurance. Yeah, yeah.

[A]

It's a very specific version. Would you ever do that for, like, your voice? Because you need your voice to do your job. Think about it.

[B]

Maybe I should.

[A]

With heights like that, you should be insured. 100. You and Adele. You and Adele both have insurance all up there.

[B]

I bet Adele does. I bet those singers too. Can you get, like. Can you get insurance on, like, specific. I know you're like. But is your voice considered. I guess your vocal cords is part of your body.

[A]

Yes.

[B]

Your voice isn't. It's.

[A]

You got there sound. Yes. Closer. Warmer. Marco. Yeah. I mean, I would consider surgery on your wrist. That is an emergency. I don't know what level of like, you know, if it's just, you know, Is it. What's it called? Carpal tunnel? Like, is that surgery? I don't know.

[B]

Okay.

[A]

Who am I to judge, man?

[B]

We are moving on. Are you ready for this one?

[A]

Yep.

[B]

We are on the same theme. Dog broke a leg chasing a bone in the yard. $6,000. $6,000, y'all. That's a lot of money. That's like a really.

[A]

So the dog broke a bone chasing a bone. That's interesting.

[B]

Broke a leg chasing a bone. Yes. Broke a bone chasing a bone.

[A]

The irony is not lost on me, man. We gotta get rid of the bones in the yard. Six grand.

[B]

That's a lot. That seems like a lot. Doesn't it?

[A]

I feel like they got ripped off on that. Don't you just put them in a little cast and that's.

[B]

Wouldn't you. I would go get like multiple opinions. Do you feel like vets are one of these, like industries that it could depend on?

[A]

Wild spectrum.

[B]

Yeah. You go to. Of what. Yeah. Of what it costs.

[A]

And like an Emergency vet is 48 times more than your normal vet.

[B]

That's right. That's right.

[A]

Like, have you ever been to those emergency animal hospitals? We had to go scary.

[B]

So George, I'm trying to think. I don't know if we ever had to.

[A]

I have very few fears in life. My. One of my greatest fears is paying the bill at an emergency animal vet because.

[B]

Oh, yeah, I could see that. Yes. Because a lot of them, it's like 2am when something happens and you're like, who's over there?

[A]

You can't go anywhere.

[B]

It's like one.

[A]

Can I tell you why we went. My dog Olive ate a dryer sheet and apparently they can just die from eating a dryer sheet because of the way Google it. Yeah. Should never Google it. It's like going to WebMD when you have an ailment.

[B]

Never Google.

[A]

Like, you got two hours, bucko.

[B]

Yeah.

[A]

So yeah, we went and they said, hey, not worth it. Like, just see if it will pass. And this too. Sh.

[B]

Wait. And you paid a ton of money for.

[A]

No, no. They said, like, we're not even going to let you in the door. Like, hey, that's nice. How nice? Very kind of them. Here's one husband got laid off and applied for 260 new jobs before he found one lived off of the emergency fund.

[B]

Wow.

[A]

That's how unqualified or overqualified was this man. 260 who has the time.

[B]

And I think what's hard these days when people apply for jobs they just put in applications in. We're truly king. Commonly be proud of us for talking about it. But honestly, one of the best ways to get your foot in the door and a company is knowing someone like that. Personal connection is huge.

[A]

Even posting in your neighborhood, Facebook group or texting. Does anyone know someone who.

[B]

Yes.

[A]

It doesn't have to be someone you're.

[B]

Already friends with because a lot of companies they do. They just get filtered in all these resumes. Not all of them. Look at them. So I think that's tough.

[A]

You can just get to the top of a stack. Have a real person look at it. You've just increased your chances so much.

[B]

And when you're filling out applications like this. Your personal data is now going to 260 more places, right?

[A]

Yes.

[B]

All over the Internet. And all of our data is all over the Internet and our information. Because we live in 2025 right now.

[A]

That's a new currency is data.

[B]

It is. So protecting your data should be one of the top priorities. And that's why we love and we both use Delete Me. So Delete Me goes in and removes your information. This is like your home address, your phone number. I mean. I mean, they have stuff with like your bank. I mean, like, all the information that's out there, they will go and remove it from data broker websites that. That honestly have your data. And then they sell your data to.

[A]

Other sites whenever you're like, why am I getting all this spam? Why am I getting all these robo calls and spam texts? It's because of that. And so Delete Me does the work for you. You can do the work on your own. But it's exhausting to go through every single site, do all the research. They've already saved me 66 hours. It shows you in your report how much time they've saved where they removed it. And so I love getting my report every few months and just sleeping easy.

[B]

Love it.

[A]

And they're giving our listeners a discount. If you go to joindeleteme.com smartmoney, you'll get 20% off any of their plans. And it is well worth it. We'll also put the link in the description of the show.

[B]

All right, next, use the emergency fund because I had to bail my brother out of jail. Ooh, kind of sounds exciting.

[A]

Rachel loves the drama.

[B]

I don't have a jail story. Do you have a story?

[A]

Have I been to jail?

[B]

Not you or someone. You know how to bail anyone out?

[A]

No, I don't roll with those crowds. I don't know if you've seen me. I don't even have friends that could commit a crime.

[B]

You'd also be like, hacking.

[A]

Really? It's like you'd be on we're hackers.

[B]

Like, you'd be on a computer.

[A]

No, the worst crime that'd be your crime. I'm trying to think of a crime that I. That my friends would commit. You know what I mean? That's a fun game, skateboarding. We almost got. Yeah, we almost ended up. We'd had to go to the police station a few times. Cause of that.

[B]

You did?

[A]

Yeah. Cause you're trespassing, illegal property, destruction of property.

[B]

You went to the police station.

[A]

We were part of a sting operation. They popped up out of the bushes.

[B]

Stop it.

[A]

Stormed us, took our skateboards.

[B]

Wow.

[A]

We had to pick it up from the scariest police station in the Boston area at like 11pm at night. So you can come after 11pm to get your stuff.

[B]

Unbelievable.

[A]

To teach us a lesson, would you bail your brother out of jail?

[B]

Yes.

[A]

What's the number? We all have a number.

[B]

Oh, this is good. What's bail?

[A]

What if bail's 10 grand? What if it's 100 grand?

[B]

For brother.

[A]

For brother.

[B]

For brother. I would go high if I had the cash available.

[A]

What if I knew he wouldn't pay.

[B]

You, a family member out of jail.

[A]

As just a gift?

[B]

As a gift. Oh, wow.

[A]

I don't know. I think I'd want him to really sit in whatever it is they did for a little bit. I'd probably do it eventually.

[B]

I would try to help them post Bailey. I mean, I think, I think. Yeah. If I have a family member in jail, I don't want them going to.

[A]

One of those bail bond places. Those places. Scary.

[B]

Yeah, for sure. They're like the payday lenders of criminals.

[A]

So I guess I would do it just to help them avoid a predatory lender.

[B]

Yeah. And I guess I would have to believe that they weren't. I mean, we're talking about my brother.

[A]

Who is the least likely to commit.

[B]

A crime out of all of us? For sure, you're number one, 100%, I think. And again, I think if you had a family member though, that you were worried about them in society. I would keep them out of jail. I think that would be the responsibility of, you know, getting some people out of jail.

[A]

Yeah, some people, you know, that's the key. Depends on what they did.

[B]

Yeah, I think that's fair.

[A]

Here's one. Bought grandma a new car battery because I left it running all night when I borrowed it.

[B]

Oh.

[A]

First time with a push to start engine. Oops.

[B]

You know what A great grandson. That's very responsible.

[A]

Yeah, it's the least you can do. And a new car battery, it's not that expensive too, which is nice.

[B]

See, I don't even know. Couple hundred.

[A]

Never had to replace a car battery. And it shows. It's not. You can get it like Walmart for like 100 bucks, 150 bucks.

[B]

Oh, yeah, There you go.

[A]

Yeah. The men are nodding.

[B]

Yeah, yeah. Plus sign, minus sign. All the batteries.

[A]

I just usually have the AAA guy do it.

[B]

Yeah, for sure.

[A]

It's a little more, but he's already there. He's got the battery.

[B]

He knows what he's doing. Helped my best friend pay for her marriage license.

[A]

That's sweet. But how much are these?

[B]

That's inexpensive, though. Marriage licenses are not that expensive.

[A]

Like a hundred bucks. Someone Google that. That can't be a lot of money.

[B]

I gotcha. I love Google.

[A]

It's a weird thing to be excited about. Do you not get to Google a lot outside of work? No, it's just my chance to show them I can Google.

[B]

That's all I do. Okay, around a hundred dollars.

[A]

Is it just a gift? Like, hey, I'm excited for your marriage?

[B]

No, but $100, like, okay, we're gonna helped.

[A]

I don't know. I mean, the fact you had to use your emergency fund to help a friend cover $100 scares me.

[B]

That's what I'm wondering. I'm scared a little bit for everyone here. We're getting married here.

[A]

Everyone's guilty.

[B]

We're getting married. We're doing grown up things.

[A]

Wow.

[B]

I don't know.

[A]

But we're back on track with this next one.

[B]

Yeah.

[A]

Raccoon removal. It cost $99 per raccoon.

[B]

Per raccoon? How many raccoons were there?

[A]

Apparently enough to say per raccoon. They don't say. It costs 99 bucks to remove a raccoon.

[B]

What would be the worst. What would be the worst animal that you would have to remove?

[A]

I could tell you because it happened to me. It was a snake in the garage.

[B]

Gross.

[A]

I had a four foot gigantic snake in my garage. Four.

[B]

I guess that's pretty big. I mean, gigantic.

[A]

Double this mic stand. Think about that.

[B]

Gross.

[A]

And like pretty sizable. And so I called the. I found like a wildlife.

[B]

100%. This is so fun too.

[A]

Well, I called him and he said. I sent. He said, send me a picture. I went, all right, here's the photo from zooming in. Like a, you know, like a boomer. I'm zooming in from far away the.

[B]

Stripes because it could be poisonous. And he said, you know what it is?

[A]

Ah, you're fine. I went, what do you mean I'm fine? He's like, ah, I don't think it's worth coming all the way over there. I'm about 20 minutes away. I'm George Campbell.

[B]

I don't do animals.

[A]

You'll be all right. So I had four neighbors over there all trying to coax this thing out. We stop it. Dismantle the entire garage to get it out of there.

[B]

No.

[A]

So it was free. Didn't have to Pay the wildlife guy.

[B]

There you go.

[A]

Who knows what his charge would have been. But that was an emergency.

[B]

Oh, so terrible.

[A]

Well, how about you?

[B]

What were you trying to think? If we've. At our old house, we had some. I can't remember. It was under the house, though. It may have been like a raccoon kind of thing. Now, my sister in law. Are you ready for this? Had a rat, y'all. A rat in her kitchen. She had the pest control guy out. They, like, they could not.

[A]

Couldn't find it.

[B]

Couldn't get this rat because of where it was. It was all behind everything. Like, I mean, it was like they couldn't. They did all the tricks and stuff for, like, probably two to three weeks. She would lay trap. I mean, she did everything but this thing. And they caught it on camera. I mean, it was like every.

[A]

Oh, did they get it out?

[B]

Yes.

[A]

They didn't just burn it down. Burnt out the house. Yeah, we tried.

[B]

I know. Couldn't find it. It's the worst rodent story I've heard, like, from, like, firsthand. I mean, this thing was a saga for, like, two weeks. I mean, we were getting rat updates.

[A]

What's the other ones that will. They'll destroy your mouse.

[B]

Is like a rat's like, whoa.

[A]

Yeah. What's the one that destroys gardens? Are those mole.

[B]

What are they called?

[A]

Moles. Armadillos.

[B]

Gross. Armadillos are nasty. Skunk is a bad one.

[A]

Yikes.

[B]

Yikes. All right, pick your animal.

[A]

I got snake. I'm going. I'm sticking with snake.

[B]

It's the worst.

[A]

No, it could be deadly.

[B]

It's true. Fair. All right, fair. Fair. Ooh, brown recluse.

[A]

Oh, I didn't think about that.

[B]

I'm going. That one. Worst.

[A]

And they can procreate, like, wild, like, really quick.

[B]

Yeah. And you can never catch them because. Yeah. All right, we're done.

[A]

Moving on.

[B]

Gross. Okay. Insurance rep called and told me I had 30 days to get a new roof. I don't trust them.

[A]

Insurance rep. But is insurance covering the roof? They said they'd use their emergency fund maybe for their deductible. I don't know what's going on there.

[B]

I don't like or I don't like urgency on. Well, I guess if it's the insurance rep, it'd be different if a roofer was like, you gotta get a new roof in 30 days and use me.

[A]

Yeah, I guess they were saying it's in such disrepair, we're not going to cover it. You got to get this thing Done now versus waiting for it to, I don't know, fall through. Who knows?

[B]

Possibly.

[A]

But there's more risk there.

[B]

Yeah, I don't like urgency with money though. Always remember that if someone's like really, really urgent and trying to sell you something.

[A]

Red flag, 100%. Our writer Savannah decided to put herself into this. Here's her story. She bought a house, used equity from the sale of the previous home. Love that. To cash flow. A 6 month renovation. Also love that H vac went out the week she moved in. And she's currently nearing the end of her pause investing era. So she paused investing while this was all going on. Very wise. But she's excited to get back to being a wealth girly. That's how I pictured her saying all this.

[B]

It's very good, Sav. That's a very, that's a very great story. You know what Sav needs for her new renovated condo?

[A]

I know where you're going.

[B]

A big cozy Earth blanket. A big throw on the couch. Yes, it's one of the best.

[A]

That's what makes a house a home.

[B]

I mean, seriously. But Cozy Earth, the blankets, the sheets, the joggers, the socks. I've gotten a lot from cozy Earth Lounge pants. I mean, all of it. You guys, they make the best products. The pajamas, it's amazing.

[A]

Coziest products on earth. I guess that's where they got the name. I don't know.

[B]

It should.

[A]

Who am I to judge?

[B]

Hashtag truth. But no, this is a really great company because we do talk about a lot, you know, saving money, budgeting, all of it. But when you get quality things, there is a difference. And you feel certain things like, oh my gosh, this is, this is what heaven's going to feel like. Just this little. The sheets, it's incredible, you guys. So make sure to go to cozy Earth, get some great stuff. And they're giving an incredible discount to our listeners.

[A]

40% off, up to 40% off. If you go to cozyearth.com smartmoney or use the promo code smart money at checkout. And let me tell you, this is your living like no one else era. When you get Cozy Earth, obviously do it on a budget, do it with cash, get out of debt. But if you want to upgrade your life, check out their products. It will elevate you and you'll feel just luxurious. You deserve that.

[B]

When Winston had socks, Cozy Earth socks delivered. One foot says cozy, the other one says earth.

[A]

He was a new man.

[B]

I mean, it's amazing.

[A]

Change his family tree.

[B]

Make sure to check it out.

[A]

We'll put the link in the description as well.

[B]

Well, those are some good testimonies, you guys. Okay, George, what's the last thing or one of the big things that you guys have had to use your emergency funds for?

[A]

Oh, my gosh. Our most recent one, we had one of the classics. We had a water heater situation.

[B]

Yeah.

[A]

The expansion tank on the top started leaking and just spraying water at the wall.

[B]

Oh, not good.

[A]

And of course, when does this happen? On a Sunday. And what do they do? They charge it double on Sundays for Jesus. I don't know what they're doing out here with these emergency calls.

[B]

The weekend stuff is tough.

[A]

Yeah.

[B]

Yes.

[A]

So that was 360 bucks gone.

[B]

Oh, man.

[A]

And not soon after that, we had H VAC situation. It would not blow cold air. This is the summertime. And so had a bad capacitor needed to be replaced. That was another 300 bucks right there.

[B]

Yeah.

[A]

So it could have been worse.

[B]

Totally.

[A]

But still not a fun thing to deal with.

[B]

Yeah. Ours have been, like, medical stuff. Amelia chipped her tooth a few weeks ago. How do you do that?

[A]

Falling.

[B]

She. Yeah, she, like, hit. Yeah. Hit it on something, but it wasn't even that hard. She was like, I don't feel like I even hit it that hard. But, man, she screamed, and I was like, what is going on? And she was like. It was like a little shattered tooth in her hands.

[A]

I was like, man.

[B]

But she looked like just.

[A]

She get a little, like, veneer thing. What do they do? Yeah, that's amazing that they can even do that.

[B]

Yes, well. And they did it pretty quick. The next day, she's in fourth grade, so she's at the age where she's, like, aware that people. You know what I mean? Like, when you're little, you don't even know. Yeah, well, yeah. She's like, I don't want to go to school like this, Mom. And I was like, oh, man. Poor little Tooth. So, yeah, so we got her in. We had to do that. Charles broke his leg. Oh, this was a few summers ago.

[A]

I remember that.

[B]

Tough. He was like three at the time. At the beginning of the summer, y'all, he couldn't go in the pool or anything. It was terrible.

[A]

And he's. He loves to be on the move.

[B]

Yeah. So he had this, like, little be called his big boot. He was on my big boot. And he just would have to, like, walk around kind of crawled. It was terrible. But I did not. Okay. I'm. I. This is where I'm Not a great mom medically. I always, like, I always lean towards the, like, we're going to be okay. We don't need to go to the doctor. We don't need to go to the emergency room. Like, that's where I lean. Winston's a leaner the other way. He's like, just take them in. Just take them in. I'm like, I think he's just to.

[A]

Be safe, let's just go ahead and do that.

[B]

But yeah. So after it happened, Charles, like, wasn't walking. It was like, I think he broke his leg. I was like, he didn't break his leg.

[A]

Look at him. Like, he's fine. Get up.

[B]

I know.

[A]

Take a hike.

[B]

For about an hour. I was like, just watching. I'm like, he's gonna get up and walk.

[A]

You really just said walk it off.

[B]

But I really was like, I mean, it didn't look that bad, the fall. And then after about an hour, Winston's like, we're taking them in. I was like, oh, man.

[A]

And then you felt bad.

[B]

Yes. He broke his leg. Poor little thing.

[A]

What a trooper.

[B]

I know. But that's the stuff that's like, man, just boom, boom, boom.

[A]

That's life. It's going to happen. The question is when and what is it going to be? That's right. So you got to be prepared with this emergency fund.

[B]

So that thousand dollar emergency fund we talked about earlier, that's your starting point. And then once you're out of debt, you bump that up to three to six months of expenses.

[A]

That's your fully funded.

[B]

Yeah. And that's like a, that's a good market marker to have because that's if, you know, big medical emergencies come up, you can cover that. I think job loss is a big one. Like just to know if income doesn't come in, you have that three to six month marker. There is just. It's great. And a lot of people, that's happened right. Throughout the years. You know, people lose their jobs and they actually end up living off of that emergency fund. Just like our friend who applied for.

[A]

240 jobs to 60 to 60, an extra 20 just to get there. That's a lot. Yeah. So let's talk about where to put it, when to use it. So where to put it? I recommend a high yield savings account. The goal is not to, like, make money, so don't invest into the stock market. But it's good to let it at least grow at the, you know, rate of inflation.

[B]

Yeah.

[A]

So park it in a high yield savings account. You Want it to be liquid, fdic, insured, no monthly maintenance fees and junk fees, all that good stuff for sure. And then when to use it? I like to ask three questions. Is it urgent? Is it necessary? And is it unexpected?

[B]

Yep.

[A]

So someone said they bought a new iPhone because I was trashing Android. So they spent a thousand bucks on an iPhone because, I mean, don't blame that on me. That's not urgent. That's not necessary. It is necessary in the long, the grand scheme of life if you want to have friends. But it's not urgent. It's not unexpected.

[B]

That's right. Yeah, those are good filters. I mean, that is a true emergency. When things come up and it's like, wow.

[A]

So let's talk about what's not an emergency. A vacation travel fund.

[B]

Oh, man, Christmas tough.

[A]

You knew it was coming. They haven't changed the date.

[B]

The date of Christmas. 1, 2, 3, December 25th. But we could all say it together. We know it's coming. Pregnancy and childbirth, like that is child care.

[A]

Even when you get a nine month lead time. Guys, come on.

[B]

It's happening. So again, we're going to routine car maintenance. Can I say though, if you are pregnant and expecting, pause the debt snowball and then like build up a big emergency fund because the epidural right things cost during this process. So making sure you have things go.

[A]

Perfectly, you're probably fine. But until mom and baby are home safe, just stack away some cash. Last one, routine car maintenance. This is a big one. You know you're going to need an oil change. You know you're going to need new tires at some point. So set up sinking funds in your budget in every dollar to get these going. And EveryDollar is my favorite app to budget for all things. Investing, saving, giving emergencies. And you can set up these sinking funds to where you go, all right, I know tires cost 1,200 bucks. I need them a year from now. I'm going to put away 100 bucks into the sinking fund for new tires so that when that time comes, it's not a surprise, I'm not stressed.

[B]

And it's all there. A beautiful thing, planning ahead of time. This is like far out thinking, right? So good. Well, before we spill the tea on our guiltiest charge, what's in our drink, George?

[A]

This is a Cubanata, which is a fun name and it's. I think it's Delit. Personally, you love it. One man's opinion. I think it's a perfect drink.

[B]

Yeah, I'm going nine out of ten.

[A]

I'll agree.

[B]

Oh, look at us.

[A]

Nine out of ten on this one. Here's the cost breakdown. $2.78.

[B]

Not bad.

[A]

Pretty affordable. It's got aged rum, lime juice, and maple syrup. So these are things that are very simple. You can make this at home.

[B]

That's a great one.

[A]

Give it a try this weekend. We'll put the recipe in the show notes for you to make it easy.

[B]

All right, now it's time for Guilty as charged. And this is where our producer, Kelly gives us a new guilty as charged question every week. And if we're guilty, we take a sip.

[A]

Kelly, what do you got? All right. Have you ever caused an emergency?

[B]

Oh, shoot.

[A]

Like it was our. We were at fault.

[B]

Yeah, it was your fault.

[A]

This emergency could have been prevented by us not being involved. Correct? Got it.

[B]

Yes.

[A]

Yeah, I guess I'm guilty.

[B]

I want to hear yours, George.

[A]

Mine involves driving.

[B]

Mm, mine too.

[A]

It involves my car, and I was trying to be a hero, trying to pick up our friend Dr. John Deloney from his house, which is in Narnia, apparently. And my car told me. So. First of all, what you need to know. John had multiple cars. He had zero keys to any of these cars. He let us know way too late on our way to the Blink 182 concert in downtown Nashville, that he does not have the keys to these cars.

[B]

I did not plan for this. You gotta pick me up.

[A]

Didn't plan for all this driving. And as you know, I have an older Tesla. The mileage, you know, it doesn't have a crazy high range. And I went, I'm gonna be a hero and try to get John and get back in time to charge the car. Let me know. Let me tell you, this is not Tesla's fault. As soon as I was on my way to John's, it was like, hey, you're going to Narnia. There's no chargers nearby. You're going to run out of juice. And I went, I'll risk it for the biscuit. I got John's. On our way back, we were one mile from Ramsey, where there's chargers, and it just. Just completely died.

[B]

So what'd you do? I feel like I've heard this story before.

[A]

Well, what I didn't know is that when a Tesla completely dies, you can't even get back into the car because the battery is dead and it needs electronics to then open the car door because it's stupid. So I ditched the car, I called the police, and I said, hey, I'm gonna leave this car Here for a day. I gotta go to a concert. But rest assured, I'm gonna come back and get it towed.

[B]

You, like, wanted to go to this.

[A]

Concert so bad, we couldn't miss Blink180. This was a concert of my lifetime. You know what I mean? And so we ended up getting a ride from my third friend who was going to the concert. He picked us up. We got to the concert just in time, got the car towed to my house, had to get it jumped just so I could open the charging port to get it charged up.

[B]

Oh, my gosh.

[A]

And then I still had to pay to get a new battery installed. Because once that happens, once that thing goes on the fritz, you got. It's safer to get a new battery.

[B]

No way. I didn't know that.

[A]

Yeah, good stuff. Now it's new. Like 12 volt battery. Not like the big battery underneath the car. Don't freak out, people.

[B]

Yeah.

[A]

So it was, you know, a few hundred bucks total.

[B]

Wow.

[A]

But I learned my lesson. When it hits zero on your Tesla, there's not an extra secret. 25 miles in the tank.

[B]

Yeah, I was going to say it's like, on empty. You can ride on empty for, like, a solid 15 miles and you're fine.

[A]

No, Elon loves math. He says zero is zero.

[B]

He's a precise man. He's put me in space.

[A]

That's my most.

[B]

Not on the moon yet, but in space. I'm just making the point.

[A]

Thank you.

[B]

We're all up there.

[A]

Why aren't we going around the.

[B]

Around the outer space place?

[A]

The outer space place?

[B]

We haven't yet. Anyways. Mine's a car one, too, George.

[A]

Oh, good. What'd you do?

[B]

We bought a minivan.

[A]

Was that your first? Is that problem?

[B]

Well, yeah, a little bit. My soul died. But we bought a minivan and we had it for literally not even 48 hours, George. We bought it on a Monday night, and this happened Wednesday morning. And I am pulling out of the garage to take our kids to preschool. And I just hear this, like, crunch. And I thought, oh, my gosh. No, no, no, no, no, no. You know, it's that feeling where you're just like, oh, no. So I get out and I go to the back, but I'm like, the back was fine. I thought. I ran into the garage. The back was fine. And I was like, what was that? I was like, that is so bizarre. So I'm walking around and my. I. I step on something and it just cracks. And I was like, that was weird. And I looked. It was A computer chip. And I was like, that's weird. And I was like. And then I look again and there's pieces all over the garage. And I'm like, what is happening? Like, what happened? And then I look up George and there are wires sticking out of the roof of the van. I had sliced that fin thing that's in. On the top of the car. Yeah, that's not for, like, decoration.

[A]

I didn't think it was.

[B]

Yeah, that has stuff in it.

[A]

No one thought, oh, that makes it look cool.

[B]

I don't know. I just always thought, like, wind. You know how people have, like, spoilers on their back? That was like my little spoiler at the top of my.

[A]

I think that's like, antenna and, like, Internet and other gps and all the.

[B]

Technology of cars is in this little thing.

[A]

It's the entire brain.

[B]

And so then I looked up in the garage, and there's a little hole in the bottom of our garage that I had just. I didn't let the garage go up all the way. And I was like, oh, my God. Oh, my God. And the hole. And I got a ladder because I went. Looked. There's like a hole in the top of the van.

[A]

Like, oh, gosh.

[B]

And I was like, oh, my God. Oh. And I called Winston and I was like, babe. He was like, what happened? And I was like, I think I hit something. I think that happened to the van. And I told him he was fine. He was like, oh, my God. We just got to take it to a body shop. But it's like a full on.

[A]

That's an expensive.

[B]

It's a lot. It was the whole technology of it. I mean, it was just. It made me so sick.

[A]

Wow.

[B]

We were just so mad at yourself. Like, if I had waited two seconds, Rachel, two seconds.

[A]

So the garage hadn't fully opened yet.

[B]

The full. Hadn't fully come up. Yeah, like, it was down. Right. So I opened the garage.

[A]

And you started backing out while still.

[B]

Yes.

[A]

I mean, lesson learned, man. Can I say props to Winston for handling it with. I would not have. I would have lost my cool.

[B]

Yeah. I don't know. He was actually kind of chill.

[A]

I mean, well, he's always a chill guy, which I respect about him.

[B]

Yeah.

[A]

He's not easily shaken up by something.

[B]

Yeah. But I think he probably was like, this is why we don't rush, Rachel. And I'm like, what do you mean we don't rush? What do we mean we don't rush? I'm not a rusher.

[A]

Couldn't I wait two seconds?

[B]

I rush. I don't rush. Do you rush? I don't. Rushing. Urgency.

[A]

No car accident since. Not even a scrape.

[B]

No car accident since.

[A]

No, I'll jinx it.

[B]

No.

[A]

All right.

[B]

I've gotten. No, not since that.

[A]

I'm proud of you.

[B]

Thank you.

[A]

Thank you for being so honest and vulnerable with us. You're so authentic. Love that about you.

[B]

Make sure to DM us your ideas for Guilty As Charged. We love to get your ideas. And if you enjoyed this episode, make sure to check out this other one coming up here. Harmless purchases that drain your bank account. That's coming up next. If you're listening on podcast, we put a link below. Make sure you guys subscribe to Smart Money Happy Hour and we will see you next Thursday on an all new episode of Smart Money Happy Hour.

[A]

What's up guys? George Camel here. I know there's lots of influencers on social media telling you which cryptocurrency to invest in for your star sign or which tech startup is definitely maybe going to be the next Microsoft. But seriously, investing can feel confusing and stressful and it doesn't have to be that way. That's why I'm pumped to be hosting Investing Essentials with the man himself, Dave Ramsey. This is a two night virtual event where we're going to deep dive into investing. We're going to talk about how to get the most out of your 401 and mutual funds and share strategies for staying confident in your investments. Plus, we'll give you the inside scoop on popular investment trends to follow and the ones you need to avoid. It's also the only event where you're going to hear Dave Ramsey unpack his personal playbook for how he made millions in real estate investing. Now, I know what you're thinking. How could this possibly get better? Well, it's virtual, so you don't even have to leave your house to watch. Join us live on March 4th and 5th to start investing with confidence. Tickets start at 199 bucks. Get yours at ramsaysolutions. Com Events.