Side Hustles That Are (and Aren’t) Worth It

Summary

Smart Money Happy Hour with Rachel Cruze and George Kamel
Episode: Side Hustles That Are (and Aren’t) Worth It
Release Date: March 20, 2025
Host: Ramsey Network
Guests: Rachel Cruze and George Kamel

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Introduction

In this engaging episode of Smart Money Happy Hour, hosts Rachel Cruze and George Kamel dive deep into the world of side hustles—exploring which ventures are truly worthwhile and which might just be time sinks. Combining their expertise in personal finance with candid discussions about real-life experiences, Rachel and George offer listeners valuable insights into optimizing their efforts to achieve financial goals.

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George's Instacart Experience

The conversation kicks off with George sharing his recent stint as an Instacart shopper, a move that initially surprised Rachel.

• Rachel Cruze [01:01]: "I think we should start off this by one of these questions that people ask a lot... the punchline was an Instacart shopper."

George recounts the challenges he faced, emphasizing the unexpected difficulties of the job.

• George Kamel [01:56]: "I was at the Sprouts bulk bin at 9:30 at night picking out licorice with a plastic tong. Every experience was horrific."

Rachel empathizes, highlighting the often underestimated effort required for such roles.

• Rachel Cruze [03:37]: "But you know what? I always get a thank you for the great tip. And I remember being like, okay, okay. Until I heard your story that people only tip $3."

Despite the hardships, George finds a silver lining in the income generated.

• George Kamel [06:02]: "It ended up being about 30 bucks an hour."

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Evaluating Side Hustles: Worth It or Not?

Rachel and George explore various side hustles, distinguishing between those that offer significant returns and those that might be more trouble than they're worth.

Unrealistic Side Hustles

They caution listeners about side hustles that promise high returns with minimal effort, often glamorized on social media.

• Rachel Cruze [10:35]: "They make it sound so easy. Like just spend $10 and buy a laundromat and you'll make a bajillion dollars a month."

George echoes these sentiments, sharing a friend's experience with purchasing a laundromat.

• George Kamel [10:35]: "It's a lot of work. Well, I mean, I mean, it's not a turnkey kind of thing."

Practical and Rewarding Side Hustles

Conversely, they highlight more realistic and manageable side hustles that align with personal skills and interests.

• Rachel Cruze [13:43]: "Dog sitting, house sitting, babysitting yes. They're tried and true. And people are willing to pay good money in your own neighborhood."

George adds value by emphasizing the importance of leveraging one's strengths.

• George Kamel [13:47]: "Find something that you enjoy, right? And then you can make some great money."

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Side Hustle Quiz and Results

To help listeners identify suitable side hustles, Rachel and George discuss a side hustle quiz they developed, categorizing opportunities based on skill and time commitment.

• George Kamel [20:48]: "We created a side hustle quiz to help people determine what kind of part-time work side hustles might make sense for them."

Rachel shares her result from the quiz, inspiring listeners to consider their unique profiles.

• Rachel Cruze [21:23]: "This is really good, actually. Yep."

Both agree that the quiz is a useful tool for aligning side hustles with personal circumstances.

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Recommended Side Hustles

The hosts delve into specific side hustles that offer substantial returns while being manageable.

Freelancing and Consulting

George shares his positive experiences with freelancing and marketing consulting, stressing the dual benefit of earning income while honing professional skills.

• George Kamel [09:20]: "If you have skills, you're going to enjoy it the most if you're able to use those skills to make good money."

Creative Ventures

Rachel highlights creative side hustles such as selling homemade salsa, which not only generates income but also fosters community connections.

• Rachel Cruze [30:21]: "Selling homemade salsa at my farmer's market. It's been very lucrative, and I feel so connected to my community."

George supports the idea, mentioning how tailored products can meet niche demands.

• George Kamel [31:19]: "There's a lot of people out there looking for aquarium ornaments."

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Balancing Side Hustles with Personal Life

The discussion touches on the importance of maintaining a balance between side hustles and personal well-being. Both Rachel and George emphasize that side hustles should serve as a means to an end, not overpower one's life.

• George Kamel [35:35]: "When you're working toward a money goal, remember, everything is just for a season. It's not your whole life."

• Rachel Cruze [35:40]: "That's right."

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Drink Review: Kentucky Colonel

Adding a fun twist, Rachel and George review a drink called the Kentucky Colonel, detailing its simplicity and cost-effectiveness.

• Rachel Cruze [35:55]: "I liked it."

• George Kamel [36:05]: "This is my favorite two-ingredient drink of all time."

They break down the ingredients and preparation, making it relatable for listeners looking to replicate the drink.

• Rachel Cruze [36:16]: "Two ingredients, that's. You can't beat that."

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Guilty as Charged Segment

In a lighthearted segment, Rachel shares an embarrassing job experience from her youth, while George recounts his tumultuous employment history, including a stint at Urban Outfitters.

• Rachel Cruze [37:44]: "But my high school parties and you know, that was the moment where I realized, you know, I."

• George Kamel [40:05]: "I got fired from the Apple Store... I was making 16 an hour."

The hosts laugh together, fostering a sense of camaraderie and relatability.

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Closing Remarks

As the episode wraps up, Rachel and George encourage listeners to take the side hustle quiz and explore resources offered by Ramsey Network to enhance financial management.

• George Kamel [42:55]: "Thank you all for hitting that subscribe button and... Encourage your friends to go check out the show."

They celebrate reaching a milestone of 100,000 subscribers, expressing gratitude and excitement for future episodes.

• Rachel Cruze [42:36]: "A hundred thousand subscribers... thank you guys."

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Key Takeaways

1. Choose Wisely: Not all side hustles are created equal. Opt for those that align with your skills and interests to maximize both income and satisfaction.
2. Realistic Goals: Be wary of side hustles that promise high returns with minimal effort. Sustainable income often requires effort and dedication.
3. Balance Matters: Ensure that side hustles complement rather than detract from your personal life and well-being.
4. Leverage Tools: Utilize resources like the side hustle quiz and budgeting apps to make informed decisions and track progress.
5. Community Connection: Engage in side hustles that not only earn money but also build or strengthen community ties.

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Notable Quotes

• Rachel Cruze [01:01]: "What do you do? I'm a business consultant."
• George Kamel [06:02]: "It ended up being about 30 bucks an hour."
• Rachel Cruze [13:43]: "Dog sitting, house sitting, babysitting yes. They're tried and true."
• George Kamel [35:35]: "When you're working toward a money goal, remember, everything is just for a season. It's not your whole life."
• Rachel Cruze [35:55]: "I liked it."
• George Kamel [36:05]: "This is my favorite two-ingredient drink of all time."

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Conclusion

This episode of Smart Money Happy Hour offers a comprehensive exploration of side hustles, blending practical advice with personal anecdotes. Rachel Cruze and George Kamel successfully demystify the side hustle landscape, guiding listeners toward informed and strategic financial decisions. Whether you're considering starting a new side hustle or evaluating your current ones, this episode provides the insights needed to navigate the opportunities effectively.

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Tune in next time to learn about "Habits Wasting Your Time and Money in 2024," and don't forget to subscribe to Smart Money Happy Hour for more insightful discussions on achieving financial well-being.

Transcript

[George Campbell]

And what are we talking about today, Rachel? Strategic side hustles. Not just any side hustles. Strategic. I was like, I can grocery shop. It's not that hard.

[Rachel Cruz]

I remember this. This is so embarrassing. God, I'm gonna be judged by this, but this happens. Hey, guys, I'm Rachel Cruz.

[George Campbell]

I'm George Campbell.

[Rachel Cruz]

And this is Smart Money. 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. What do we got, George?

[George Campbell]

This is called the Kentucky Colonel. Don't let the O L O N E L fool you. It's pronounced Colonel Colonel because America Merca. I don't know why that word is spelled that way. It's very frustrating, but it's a delicious drink. Stick around till the end. We'll give you our rating and reveal the cost per glass.

[Rachel Cruz]

That's right. Okay, so I think we should start off this by one of these questions that people ask a lot. And I'm gonna ask you, George, what were you thinking? You told us about something recently, and I literally was floored. And I thought, George, maybe you're doing it for content, maybe you're doing it for experience. But, George, can I just give the punchline.

[George Campbell]

Yeah.

[Rachel Cruz]

Was an instacart shopper. Yes. Recently was like. Like a month ago.

[George Campbell]

Yeah.

[Rachel Cruz]

I signed up because you're on Baby Step seven, so. So yeah, they're really making the extra.

[George Campbell]

Money because generally you'd be doing the side hustle to hit a short term financial goal. We're trying to get out of debt, so I'm taking all the jobs I can. This was not the case with me. I did it for fun, like a sociopath. But here's what happened. I did.

[Rachel Cruz]

Part of it was motivation, though, because of, like, the job you do. And we talk about side hustles a lot. Right. So actually, you're a very selfless person.

[George Campbell]

Thank you for saying that. You're the first.

[Rachel Cruz]

And then also tell us about the shopping experience.

[George Campbell]

Okay.

[Rachel Cruz]

How hard is an instacart shopper?

[George Campbell]

We might need all day to talk about it, y'all. It is not for the faint of heart. Stop it. Sound. I was like, I can grocery shop. It's not that hard. Little did I know I'd be at the Sprouts bulk bin at 9:30 at night picking out licorice with a plastic tong. And they're all stuck together. I had the most. Every experience was horrific. Everyone had its own unique little challenge.

[Rachel Cruz]

Oh, no.

[George Campbell]

I thought, oh, a Prescription from Publix. This should be easy. I can just get the prescription, deliver the prescription. Nope. They have to be home to sign off legally. Otherwise you go to jail.

[Rachel Cruz]

Oh, no.

[George Campbell]

So I'm knocking on the door. Seven dogs are barking at me through the glass. I'm frightened for my life. I'm calling her, calling her. She's like, I'm at a concert. I'm like, well, lady, I can't give you the prescription unless you're home. She says, what do you mean I need the prescription? I was like, oh, my gosh. Is this lady gonna die on my watch? So then I'm like, I'm in a conundrum. So I go back to Publix.

[Rachel Cruz]

I'm in a medical emergency, and I.

[George Campbell]

Have to make it back to Publix pharmacy to return it in time so that she can even pick it up in the morning.

[Rachel Cruz]

Oh, no. Why did she do that? That's her fault. Thank you, Americans.

[George Campbell]

So there was just every. At every turn, and then it was like, I'm going to the nicest neighborhoods I've ever been into. I'm surprised they even let me in. Gated communities. I need to find a code. There's no. They didn't give me a code.

[Rachel Cruz]

Oh, no.

[George Campbell]

$3 tip, Rachel. $3 tip. I'm lugging gallons of water. Shame on you.

[Rachel Cruz]

I'm not about shame, but shame on you all in a gated community.

[George Campbell]

And can I tell you, tip, $3. You know the community well, Rachel, it was the. It wasn't your neighborhood.

[Rachel Cruz]

No, but it was the blank.

[George Campbell]

A ritzy community. $3 tip for little old George lugging all those gallons of water.

[Rachel Cruz]

That is terrible. Can I say it makes me feel better because we really don't Instacart anymore. I will do Costco. Cause sometimes I'm like, I don't have time on Saturdays to go and do my full run. So that is one time I will. But I do a percentage, and I do like a 15, 20%. I mean, a lot of our bill goes to that debt.

[George Campbell]

$3.

[Rachel Cruz]

But you know what? I always get a thank you for the great tip. And I remember being like, okay, okay. Until I heard your story that people only tip $3.

[George Campbell]

Yeah.

[Rachel Cruz]

Now, did you.

[George Campbell]

That happened multiple times.

[Rachel Cruz]

Pick them up like a thing of bananas?

[George Campbell]

No, I'm telling you, there was gallons upon gallons of waters. And I mean, I had to make multiple trips to the trunk just to carry this stuff.

[Rachel Cruz]

So bad.

[George Campbell]

One of the. My last Instacart run. $0 tip.

[Rachel Cruz]

No, they didn't even tip you?

[George Campbell]

0. And this was like, I'm texting.

[Rachel Cruz]

Is that the cart pay? Will they pay you though, like an hourly thing or is it strictly just so you get.

[George Campbell]

You get paid for the trip, which is minimal. And then you also get tipped on top of that. And there can be bonuses based on the time of day and peak hours and all that. So I'll tell you what I made over doing this. I counted the hours. I did five total hours. I made $149. Not in one day. Over the course of a week or two.

[Rachel Cruz]

Five hours.

[George Campbell]

Five.

[Rachel Cruz]

You made this sound like a 48 hour deal.

[George Campbell]

No, I do. I was doing this for about a week or two.

[Rachel Cruz]

Okay. Five hours. And how much? Sorry.

[George Campbell]

$149.

[Rachel Cruz]

Okay.

[George Campbell]

And they guaranteed, like, hey, you'll do seven trips. You're guaranteed to make 100 bucks on those seven trips.

[Rachel Cruz]

Yeah.

[George Campbell]

And so I didn't even hit the minimum. And they ended up giving me the full amount.

[Rachel Cruz]

Okay.

[George Campbell]

Plus tips. And I did get a secret tip from the lady about the prescription because she felt really bad.

[Rachel Cruz]

Oh, that's sweet.

[George Campbell]

She insisted.

[Rachel Cruz]

Yeah, that's fair.

[George Campbell]

So, yeah, kid.

[Rachel Cruz]

Do you recommend it?

[George Campbell]

Here's the good part. Didn't have to deal with like, people in my vehicle. Right. So if that's you, like Uber or something. Uber. There's like strangers getting in and out of your car. I get the. Especially for ladies. That would make me uncomfortable. I don't want my wife out there, you know, picking up strangers, so on. In that regard, it's better because it's kind of on your own time. You know, you're in A Kroger at 9:30 at night, just going, hey, man, they're out of diet. Sorry, can I. Is diet Sprite. You know, like, you're dealing with all the stuff, what's out of stock in the store. You're hoping they get back to you in time. So it was kind of annoying and stressful.

[Rachel Cruz]

Yep.

[George Campbell]

I realized, like, I'm a good shopper. Like, I would never ask someone to go. I was in the bulk bin scooping rice, weighing it to get exactly one pound of wild rice for them. Exactly one pound of red licorice. And I thought, what psychopath? Are they doing this to torture me? Do they know it's me specifically on the other end?

[Rachel Cruz]

Oh, man.

[George Campbell]

So it ended up being about 30 bucks an hour.

[Rachel Cruz]

Okay.

[George Campbell]

To that I say that's a good side hustle. 30 bucks an hour. That's.

[Rachel Cruz]

But it's work.

[George Campbell]

But it is work.

[Rachel Cruz]

Which Is a job.

[George Campbell]

Yes. And that's for, you know, that's not counting the. The wear and tear in the vehicle, the gas, whatever.

[Rachel Cruz]

That's right.

[George Campbell]

I drive an electric car. That gas was not a problem for me.

[Rachel Cruz]

Yeah.

[George Campbell]

But it was work. And every time I left the house, my wife was like, why are you doing this again? I'm like, for fun slash content. Listen, it really was just an experiment.

[Rachel Cruz]

No, I think. And I appreciate that. Good for you, George.

[George Campbell]

Yeah. You know, I'm willing to do the work, so.

[Rachel Cruz]

Yeah. I mean, the truth is, some jobs require more of you. Some you're going to make more money than others, but it's understanding. Like your time is money.

[George Campbell]

Yes.

[Rachel Cruz]

So where's your time better spent, I think, is the whole strategic play of all of this.

[George Campbell]

Yeah. And I found that the more you're willing to get out there and bust your butt, the more you're going to make. You can take surveys at home and make 4 cents, you know, for every survey, or you can go do Instacart and, you know, have a little grief, but make 30 bucks an hour.

[Rachel Cruz]

That's so good. I know, and I hate to say it, George. You have more life experience than me in this arena. I mean, I can go back to, like, high school, college days. I mean, I started at Ramsey right after college, so I feel like I've been in the, like 9 to 5 world for most of my.

[George Campbell]

Yeah, you grew up fast.

[Rachel Cruz]

For most of my life, no, but I think back, even in high. In high school and stuff, I worked at Libby Lou, you know, the little boutique within.

[George Campbell]

We didn't have this in Massachusetts, but in the south, this was a delicacy.

[Rachel Cruz]

It was. Yeah.

[George Campbell]

What's the closest store you can think of that's mainstream?

[Rachel Cruz]

Oh, that's a good question.

[George Campbell]

It's like a limited two vibe.

[Rachel Cruz]

It wasn't a clothing store. It was like a Claire's that would do your hair and makeup, if you will. Oh, but I'm not great at hair and makeup. And there I was. What are you doing hair and makeup for little girls. They didn't care.

[George Campbell]

Oh, it's for little girls.

[Rachel Cruz]

Yeah, yeah, yeah, yeah. Totally, totally, totally.

[George Campbell]

Got it.

[Rachel Cruz]

But, you know, you go work for the mall and then as, like, teenage Rachel, then you'd go babysit or start your own business or do whatever. And you do realize the cash flow. Right? So I'm like, even as a teenager, you can start to understand, okay, where will I make more money? What's going to take more of my time, more of My effort. And, and I. Yeah, and it shows. And I think with side hustling, we talk about it. Getting out of debt. When you have these big financial goals, this is what you want to do. But again, you don't want to waste your time. And if you have the skillset to be able to do some things that bring in some serious cash, that's what we want.

[George Campbell]

Yeah. And I've done some weird ones. Like when I was getting out of debt, I did the Nielsen people meter. You know what that is?

[Rachel Cruz]

No.

[George Campbell]

So they, they send you a little beeper.

[Rachel Cruz]

Yes, I do know that.

[George Campbell]

And you have to carry the beeper and have it on.

[Rachel Cruz]

Yes.

[George Campbell]

And it's listening to all the media you're engaging in. Radio, tv, movies, whatever. And that's how Nielsen gets its ratings. When they say, hey, we had high nielsen ratings because 30 million people watch this. That's how they're, they're basing it off of households like mine, just like you. So I'd carry it and they would give me like, I don't know, 30 bucks a month. Yeah, you know, stuff like that. I was also doing music at the time, so I would make money from streaming. I would sell my music to be used in films, like wedding films. You know, if your church is making a video, you can pay to license my song. Yeah, so I'd make some money there. Yeah, I got a few big hits. Ford used my two of my songs for their YouTube channel. No, those were, they were legit. I got an email and I was like, hey, it's, it might be not good enough for you, but you are you okay with 2,500 bucks per song for them? And I was like, yeah, we can make that work. Oh, I'm willing.

[Rachel Cruz]

Should have been like 3,500.

[George Campbell]

So I got like, you know, a few grand.

[Rachel Cruz]

Just make any after skateboard videos on YouTube.

[George Campbell]

Nobody that's unlisted. That's for my eyes only. You know, no one needs to see 15 year old George shirtless.

[Rachel Cruz]

15 year old kid that you showed recently. I'll never forget that story you told recently.

[George Campbell]

That's true. I showed a random teenager skateboarding in the street. I said, hey man, I used to skate. Want to watch my video? Forced him to watch all four and a half minutes of this. I realized afterwards, like this kid was probably just like stranger danger.

[Rachel Cruz]

So good. Oh my gosh.

[George Campbell]

But yes, I used to make websites using Squarespace and I would charge, you know, authors and entrepreneurs and George, you've.

[Rachel Cruz]

Been holding back all your fun stories. I Had no clue.

[George Campbell]

I did marketing consulting for my friend's agency. I'd helped launch podcasts and do branding work. All kinds of things to get out of debt.

[Rachel Cruz]

What was your favorite?

[George Campbell]

I think the marketing consulting because I was doing marketing at the time at Ramsey, so it was actually sharpening my skills here while you're doing, helping me get better. So that's what I would tell anyone. If you have skills, you're going to enjoy it the most if you're able to use those skills to make good money. And sometimes it could turn into full time side gig where you start your own business eventually.

[Rachel Cruz]

Totally. Now those feel like realistic side hustles. There are some floating around the Internet if you will. Social media especially, you know, they're a little too good to be true. Have you seen the Laundromat one?

[George Campbell]

Oh yeah.

[Rachel Cruz]

Like buy a laundry mat.

[George Campbell]

They make it sound so easy. Like just spend $10 and buy a laundromat and you'll make a bajillion dollars a month.

[Rachel Cruz]

Yes, I know.

[George Campbell]

And my friend recently bought a laundromat. No, him and his wife went in on it, maybe with someone else. And it's a lot of work. Well, I mean he's, he's out there, you know, especially in the front end. They're having. You got to fix the machines. It's not a, like just super, it's.

[Rachel Cruz]

Not a turnkey kind of thing.

[George Campbell]

Yes. So hopefully long term it's worth it for them. But it's, it's work.

[Rachel Cruz]

It's a lot. Well, I'd say the same with investment properties. People that get into this, like, oh yeah, this will be great. Let's make some money on the side, the rent and all that.

[George Campbell]

They'll pay the mortgage, Rachel. Yeah, the tenants will pay.

[Rachel Cruz]

You know, I was just talking to one of our writers about this and she just, she sold hers because she. Yes, it was the same kind of thing. She like moved houses. She's like, well, I'll just rent it out. She was like, I rented out to some like sweet girls. And she's like. And I would get a text, I mean every other day about something. Like, we saw a cockroach. Can you call an exterminator? The dishwasher broke this. That she was like, it. The amount of effort it took just like to keep up with it. And then, yeah, they pay, yeah, they pay the mortgage and then a little bit more. But then everything that was extra basically went back into the house. Like I made no extra money really.

[George Campbell]

So actually broke down the Expenses, you'd be like, oh, my gosh, we're kind of like breaking even. We're not really making.

[Rachel Cruz]

I mean, honestly. Because with real estate, you make your money at the buy, keep it, and then it gets equity, and then you sell it in 20 years. But this whole idea of like, month to month, like, there's just. It ends up not being a ton. Right. Versus doing something else where you are making a ton of money. So it's a little too good to be true in that way.

[George Campbell]

And it takes a lot of money. And if you're doing it largely with debt, you're putting yourself in a serious bind. There's tons of risk. By going, I'm gonna put nothing down.

[Rachel Cruz]

On this, but they make it look so good.

[George Campbell]

Well, yeah, of course. If you're selling a course on how to invest in real estate, I'm gonna make it sound like this.

[Rachel Cruz]

They all do.

[George Campbell]

Agrees Be like me. We retired at 23 because we're not.

[Rachel Cruz]

Going to a job and we have.

[George Campbell]

What, million in debt.

[Rachel Cruz]

I know. And then I'm going to get a little. I'm usually not sensitive about this stuff at all, but it does. Like, this one does irk me. I'm like, you can comment about whatever about my family, but when it's those people and they're like, Dave Ramsey with Dave Ramsey's wrong. We're. And then they go into like, we're $17 million in debt with six VRBOs and five rental properties, and we live in the beach in Hawaii and travel to Paris and all this stuff. But they use Dave as like, probably clickbait, his name.

[George Campbell]

Yeah, yeah, yeah.

[Rachel Cruz]

And I'm just like, no, y'all. Like, it's not good. Not good, not good. Long term, not good, not as smart, lots of risk. And we take calls on the Ramsey show literally every day with less show we hosted together.

[George Campbell]

Yes.

[Rachel Cruz]

Just like a few days ago it was, wasn't it? Every call was like, lost my job, a health scare. We had to move to go take care of my. Like, life happens.

[George Campbell]

Yeah. While. While things were going well, they took on a bunch of debt going, we can afford the payments.

[Rachel Cruz]

We can do this.

[George Campbell]

And then life happened and they're calling us going, what do we do? We can't afford the payments.

[Rachel Cruz]

Not good.

[George Campbell]

George never debt for any side hustle. How's that for advice?

[Rachel Cruz]

And, you know, like, if you go back to, like, simpler times, honestly, you think about, like, going straight to the customer and helping them with a service. That's easy. Dog sitting, house sitting, babysitting yes.

[George Campbell]

They're tried and true. And people are willing to pay good money in your own neighborhood.

[Rachel Cruz]

And can I say this? I. I pay a good amount for babysitting.

[George Campbell]

Yeah.

[Rachel Cruz]

Because I do love a great babysitter. So I'm like, I will pay them well. Or what I think as well, you know, And. And you watch your, you know, you watch a kid for four hours and you make more than Instacart. I mean, right. If you find a great family, like, I don't know, telling you it's the way to do it, or house sitting, people will pay for you to just sleep at their house while they're gone.

[George Campbell]

Watch things, feed the plants for me.

[Rachel Cruz]

Yeah. Water those plants.

[George Campbell]

Yeah. And dog sitting is a great one. I mean, you know, we pay a dog sitter when we're out of town, we do some doggy daycare at her house, and she makes great money as a side hustle, and it's just fun money for her.

[Rachel Cruz]

Yes. And there's some apps and stuff that you can find to families in your area. But honestly, I think that stuff is like, yeah, that's where you make some good money.

[George Campbell]

So sometimes it's just. Don't overthink it. The side hustle that's right in front of you might be the best one.

[Rachel Cruz]

That's exactly right. Okay, so, George, if you had to start over today, choose a totally different career, if you had like a completely different life, and it's a Ramsey personality, what would you be doing?

[George Campbell]

Oh, my gosh. Okay. I'm trying to think of. I need lucrative job, low impact, high reward. I'm not the most athletic, so I don't want to do physical labor. So that takes out a lot of side jobs. I'm gonna use my brain, I'm gonna go consulting. Feel like consultants make a lot of money, and you're like, what do you do?

[Rachel Cruz]

What do you do? I'm a business consultant.

[George Campbell]

That's what I would do. And my Instagram bio would say, entrepreneur consultant slash dj. Probably something like that. But I get gigs at this juncture. But here's the thing. No one's gonna consult with a 23 year old George.

[Rachel Cruz]

No, but you now, with all your.

[George Campbell]

Life experience, now with all of my life experience, people would pay dozens of.

[Rachel Cruz]

Dollars, dozens of dollars to do that.

[George Campbell]

How about you? I'm trying to think of what you're good at.

[Rachel Cruz]

I'm struggling.

[George Campbell]

I'm struggling. I'm kidding.

[Rachel Cruz]

Here's for. Okay, so in my dream job, which would take me years to work up the ladder. So this wouldn't answer the question, but I'm going to.

[George Campbell]

You can still do it, Mary Kay. Still around. I believe in you. You're going to get the Cadillac.

[Rachel Cruz]

Is that would be some kind of political correspondent?

[George Campbell]

Okay.

[Rachel Cruz]

For a network? Like, it's always, like, been like my side dream. Like, I would, like, follow campaigns around. I would be in the middle of everything. But that takes a while to get, like, to build up slots. Yeah, yeah. But what I would do now is I wonder if I could start a. Like a social media political account.

[George Campbell]

Oh, political news, Yes.

[Rachel Cruz]

I don't know. But through an entertainment filter, get some political sponsors around, not political parties.

[George Campbell]

Like a nonpartisan situation.

[Rachel Cruz]

Oh, totally. Yeah. That's my thing. Because I'm like, both sides. And I really do believe. I mean, genuinely. I'm like, bring it both. Because it's like, I want to throw off both. So then you. So then you're wider.

[George Campbell]

Yeah.

[Rachel Cruz]

Right. You don't want to be selective. Big pool people, viewership. I don't know. What do you think?

[George Campbell]

I think influencer would be an easier choice for you. I think you'd be great at that, you know, but can you use like a mom influencer? You know, of like, hey, like, here's the. Yeah.

[Rachel Cruz]

You know, but all this combined, I followed around when I was at the inauguration for 24 hours and did a lot of stories. A lot of stories. I was very.

[George Campbell]

I saw them all.

[Rachel Cruz]

I was very tired.

[George Campbell]

It's exhausting.

[Rachel Cruz]

It's very tired.

[George Campbell]

Yeah. Can I just say, being an influencer is not easy. People imagine like, oh, you just get to do an Instagram post today. Listen, you get that camera set up at 6am to get ready with you.

[Rachel Cruz]

And I would say this. I would say this. I don't want to, because I follow. I know some influencers and they're wonderful people. Like, this is not a knock on that industry by any means, but you have to be a very disciplined person not to lose your soul. Because, like, literally, y'all. I mean, like, I'm getting my makeup done. And I told. I've never done this before, but I was like, winston, take my camera. You gotta take pictures of it. Like, we gotta. We gotta get this whole thing. Like. Cause you gotta involve your fam. Like, do you know what I mean? Like, if you're.

[George Campbell]

It takes a village and your.

[Rachel Cruz]

Your money is your. Like the money you're making is dependent upon that of your own personal life. I'm having, like, a panic attack right now. I'm thinking about it well, and then.

[George Campbell]

TikTok's like, hey, we may not exist anymore. And you're like, well, there goes half my income.

[Rachel Cruz]

Yes. And then that's scary, right, y'all?

[George Campbell]

George, I'm not for it.

[Rachel Cruz]

Just keep. Please watch Smart Money Happy Hour.

[George Campbell]

Let us keep doing our jobs. I will say I did Uber and Lyft for a while while I was getting out of debt, too. I did both of those. And it wasn't the worst. I just found that I didn't want to go out late at night, even though that's when the money's to be made, because I didn't want to deal with inebriated people.

[Rachel Cruz]

I agree. Yeah.

[George Campbell]

You know, and I got to tell. Hey, can you not bring that Miller Light into my car, please? You know, push light.

[Rachel Cruz]

I can.

[George Campbell]

On the way in Nashville at 11 o'clock, that's when I kind of was like, I think I'm done with this.

[Rachel Cruz]

Yeah. You know, it's a brave soul to go down there.

[George Campbell]

Thank you. But that's. That's when people.

[Rachel Cruz]

Not you, not you. The people that do it.

[George Campbell]

I'm so brave. Honestly, Broadway is my worst nightmare. So the fact that I went there for fun, to make money.

[Rachel Cruz]

Terrible attracts terrible.

[George Campbell]

All right.

[Rachel Cruz]

Yeah. Well, you know what else I feel like is so important, though, is because when you are online, you're doing Uber instacart. Like, so much money is made online, like we're talking about. And also, all of our information is online, and so protecting that is so key. That's why I love and use. You love and use Delete Me. Yes, because it's a service that goes in and removes all of your information. So, I mean, your job history, your email addresses, phone numbers, names. I mean, it's just crazy what is out there on the Internet. And Delete Me goes in and removes all your information from data broker websites that sell that data to other companies and make money off of you. So Delete Me goes and removes all of it.

[George Campbell]

Yeah. I was just hearkening back to when I was a victim of fraud, way back in the day, before Delete Me existed, probably. And I just think if I had Delete me, I wonder if it would have happened.

[Rachel Cruz]

Yeah.

[George Campbell]

If they had deleted my address off the web and all, you know, they had everything. They had all of my information. So Delete Me really helps me sleep better at night. And it's a great thing for you, for the family. They have really affordable plans, and it is worth every penny.

[Rachel Cruz]

Yep. So good.

[George Campbell]

Go check them out. Go to joind delete me dot com. Smart money. They're giving our listeners 20% off any of their plans. That's a deal.

[Rachel Cruz]

Yeah. And their plans start as low as like $9 a month.

[George Campbell]

I guess we'll put the link in the description as well. Let's do, let's do that for the.

[Rachel Cruz]

People, make it easy on them. Who wants to remember convenience, that's what we're looking for. So yeah, we tell people a lot to get their income up, especially you know, when they are getting out of debt, getting an emergency fund, these like short term money goals, which is really key. And you know, at Ramsey we have some other resources that kind of help get that ball rolling to find some extra margin. One of those is the Every dollar budgeting app. Like when you're budgeting and you know where your money's actually going, you find more margin, faster doing it versus just living kind of like on a whim. And then also the 24 hour money challenge. So this is a great one too. So we'll put all these links down below for you to do because that one, it really expands to, to look at your whole money picture to say, okay, where are you overspending? Underspending, like looking at everything to find.

[George Campbell]

Margin in 24 hours. A short amount of time, just quick wins some quick. So go check that out for sure.

[Rachel Cruz]

Yes. But if you are looking to increase your income with the side hustle, there's some factors that you need to think about.

[George Campbell]

Yes. So some people have a lot of skills in the resume. Others have very niche, more limited skills that you may not be able to use. And so knowing this, we created a side hustle quiz to help people determine what kind of part time work side hustles might make sense for them, their money goals, how much time they have. And so we kind of put it into different buckets. There's the high skill, high time. I got a lot of skills and a lot of time to do it. There's high skill, low time and then there's limited skill high time. And finally limited skill, low time.

[Rachel Cruz]

Yes.

[George Campbell]

And so there's something for everyone out there. And we did this quiz for ourselves because we walk the walk. Rachel, can we share a result?

[Rachel Cruz]

Yes, I think it's very telling.

[George Campbell]

Very telling when we see the results.

[Rachel Cruz]

This is really good, actually. Yep.

[George Campbell]

So, so you kind of get like.

[Rachel Cruz]

A character and it's a quiz that will take probably what, three to four minutes?

[George Campbell]

Yeah.

[Rachel Cruz]

So yeah, so it helps you, but you gotta take that quiz. So mine I ended up in the Professional segment. Where did you end up?

[George Campbell]

Must be nice. I got the limited edition cause I have a lot of talent to offer, but I'm also very busy. Very busy.

[Rachel Cruz]

Okay. So for me, my in person side hustles consulting.

[George Campbell]

George, you're living my dream.

[Rachel Cruz]

Nannying for me. Such a good mom.

[George Campbell]

Can you imagine? Oh my gosh.

[Rachel Cruz]

Event planning. I wish it said slash travel agent. I would.

[George Campbell]

I could actually see you though. Planning like luxury weddings.

[Rachel Cruz]

I could do. Yeah, the. The event planning. I don't know. Luxury travel. All right, all day.

[George Campbell]

That fits in that category.

[Rachel Cruz]

All day and then working part time, like exploring just a new career path. So my at home side hustles teaching English and they even give you a link to a company you can sign up to help you get started, which is great.

[George Campbell]

Love it.

[Rachel Cruz]

Freelancing and then starting your own online business. So this would be fun. Trying something like, like an Etsy or a course or something. I don't know.

[George Campbell]

I'm into it. Okay. I got the course.

[Rachel Cruz]

I can't do a course. You'd make fun of me for a course?

[George Campbell]

I wouldn't make fun of you if it was a course for something useful.

[Rachel Cruz]

Yeah, that's fair.

[George Campbell]

You know, just not a course on how to make money doing courses, then that would make fun of you.

[Rachel Cruz]

Yeah.

[George Campbell]

You know what I mean? But if it was like how to rearrange your closet and you know, live the life you love and dress accordingly on a budget, I'd be like, yeah, that's great. You could walk people through.

[Rachel Cruz]

Thanks, George. You're good at marketing.

[George Campbell]

That was just. I'm just spitballing. That one's free. So I did get the limited edition because I am very busy but very talented in person side hustles. These are so funny. Cause it could not be further from the truth for me. Okay, first one, indoor outdoor home maintenance and repair. Hey, to be fair though, I am good at like, I could get. You know what I could do? Smart home. I could get you a smart home.

[Rachel Cruz]

Yeah, that is true.

[George Campbell]

You could pick the right products. I will not install the doorbell, but I can help you choose the right doorbell and get your app going. You know, getting it connected to the WI fi, all that stuff.

[Rachel Cruz]

It's like my toilet's making weird noises.

[George Campbell]

George was like, find an app for that. I don't know. That's a fun one. Another one. Also, I would be great at babysitting.

[Rachel Cruz]

I got nanny. You got babysitting.

[George Campbell]

Listen, kids think I'm cool, so I, I just like, hey, you know what?

[Rachel Cruz]

You drew pictures with Amelia, like, three years ago. She still remembers it.

[George Campbell]

She remembers. I did draw pictures with her.

[Rachel Cruz]

Do you remember that? At an event, a random event. George got on the floor with her and they were like, drawing pictures together. And she still talks.

[George Campbell]

We had a competition of who could draw.

[Rachel Cruz]

There's George.

[George Campbell]

It was who could draw a better horse.

[Rachel Cruz]

Ah.

[George Campbell]

She won. I let her win. But she did win. Let's not do that one. Photography. I am good. That's something. That was a love of mine is photography. Film. And so I have some nice cameras. I could do that on the side for sure. And then at home side hustles, freelancing, which I've done a lot of tutoring. So I could use online tutoring sites to do that. And transcribing. I am a good typer. Like, do you ever use Mavis Beacon teaches typing? Remember that software? I think my dad got it for me. He's in the crowd today. I'm shouting out the crowd, hey, hey. Yeah. I always loved. You could try to work on your words per minute and it would also track accuracy.

[Rachel Cruz]

Yeah. What was it called?

[George Campbell]

Mavis Beacon teaches typing. If you know, you know.

[Rachel Cruz]

Was it yellow? Was the box. Do you remember when our computer softwares or games would come in a box, y'all, and you would open the box and take the disc out and put it in? Do you remember that? Is that what you're talking about?

[George Campbell]

This was. This was.

[Rachel Cruz]

Show it to me. Because this could be.

[George Campbell]

Okay. They'll put her on the screen as well. Editors. But this was. She looks AI now, looking back, I don't think she was real.

[Rachel Cruz]

She does look AI.

[George Campbell]

Yeah. I don't think that's a real person, but maybe she isn't. She's just perfect and beautiful. I don't know. But yeah, Mavis Beacon is the one who taught me how to type.

[Rachel Cruz]

Okay.

[George Campbell]

So go take it for yourself. Can I just say that. Go take the quiz and let us know in the comments.

[Rachel Cruz]

Yes.

[George Campbell]

What you got as your results.

[Rachel Cruz]

And you know what? While you're taking the quiz, you should be comfortable while you're taking that quiz in your cozy Earth PJs.

[George Campbell]

I wish being cozy was a side hustle.

[Rachel Cruz]

I would crush it. Make so much money, especially with Cozy Earth.

[George Campbell]

We could be models for Cozy Earth.

[Rachel Cruz]

We should.

[George Campbell]

Legitimately, we're available.

[Rachel Cruz]

I have so much Cozy Earth stuff now at our house. I mean, I really do.

[George Campbell]

You could.

[Rachel Cruz]

And I've been giving it as gifts now because it's literally like it's some of My favorite stuff because it feels like such good quality. I know if I'm giving it to someone, I'm like, you're going to love it. But the pajamas, joggers, I'm. I'll always shout out the socks. Winston bought the socks.

[George Campbell]

I need to try out the socks.

[Rachel Cruz]

One says cozy, one foot says earth.

[George Campbell]

I love it.

[Rachel Cruz]

So good.

[George Campbell]

It's so great, so classy. So go check out their products. They're giving our listeners and viewers up to 40 off when you use the promo code Smart money at checkout. And they really do make just wonderful products.

[Rachel Cruz]

They do. From blankets.

[George Campbell]

I need to get my own PJ set. I got my wife one. And now I'm a little jealous because her new thing is to live in PJ sets every night. A new PJ set.

[Rachel Cruz]

Ah.

[George Campbell]

I'm out here in my Kirkland sweatpants and an old T shirt.

[Rachel Cruz]

What are you doing?

[George Campbell]

I got a little.

[Rachel Cruz]

I know. Well, it's funny because my Cozy Earth pjs are my navy ones, and I. It. And it feels, like, sacred. I'm like, there's over there. And if, like, if I feel gross at night, I'm not gonna shower. I don't wear them like, they're. They're only, like, they're my good ones. You know what I mean?

[George Campbell]

It's that feeling of, like, savor it.

[Rachel Cruz]

They are. Yeah, I know. They're special.

[George Campbell]

Cozyearth.com promo code smart Money. We'll link in the description as well.

[Rachel Cruz]

Okay, so one of your favorite pastimes, not mine, is to go to Reddit. It feels like a. I've never. I've been to Reddit maybe twice in my whole life.

[George Campbell]

Well, you're an American hero.

[Rachel Cruz]

I want you to know that you're.

[George Campbell]

Better than all of us.

[Rachel Cruz]

Really, really doing well in life and. But you can go there to find whatever you need to find. So we typed in, like, crazy side hustles on Reddit, and there's some. There's some funny ones.

[George Campbell]

Okay, we're going to rate these one one to ten odd jobs from Craigslist. Here's the quote. I've done everything from local fruit delivery to working a dinosaur exposition. That's a 10 for me.

[Rachel Cruz]

Oh, for sure, Charles. This is what my son will do. He will do a dinosaur exposition. That's amazing. Well done.

[George Campbell]

What is the exposition part?

[Rachel Cruz]

I bet you're touring, like, a place where dinosaur fossils were found in Denver, which.

[George Campbell]

Not that you've ever done that. Not that it was a terrible experience.

[Rachel Cruz]

We went on a dinosaur tour in Denver, y'all. Supposedly it was where the first. Oh, shoot. Stegosaurus was found on Earth. And it's my son's favorite dinosaur, so we bought.

[George Campbell]

You're telling me geographically, in the entire world?

[Rachel Cruz]

Google it. That's what they claim in Denver. Yes.

[George Campbell]

The first Stego found in Denver.

[Rachel Cruz]

Yes, yes. And then they. And then it's a little bait and switch, you know, because they're like, come see a stegosaurus. So we're like, you know what? We'll pay for it. Because it was a good setup. It's right by the red rocks in Denver. Okay. And I. If you work for this company, it's great.

[George Campbell]

It's fine.

[Rachel Cruz]

I don't want to bash them, but.

[George Campbell]

It'S not your Yelp review, but you go.

[Rachel Cruz]

And then they're like, look at the side of this rock. Do you see all the footprints, y'all?

[George Campbell]

There's no footprints, just a rock.

[Rachel Cruz]

And you're like, yeah.

[George Campbell]

And that's where Jesus carried the dinosaur. That's. You don't see it. He was carrying the dinosaur.

[Rachel Cruz]

And then you go through an hour to tour, and they stop at all these things that are kind of. And then finally they're like, do you want to see bones from a stegosaurus? And once they're like, thank God. Yes. Yes, we do. And you expect, like, a.

[George Campbell]

A full Stego, you. Nope, it's not just a bone.

[Rachel Cruz]

It's another rock with a thing sticking out. And they're just like, there's the leg. You know, the. You know.

[George Campbell]

That's so sad.

[Rachel Cruz]

Okay, how about this? Creating online resources. I developed a WordPress plugin to solve an issue I faced, uploaded it, and made it public for others. Added a donation link, was making 50 to $100 a month. Realized a lot of people were using it, spent more time on it, added more features and detailed support, and eventually launched the pro version. And it recently, oh, my gosh, crossed a $300,000 in lifetime revenue.

[George Campbell]

That's amazing. Way to go. And as someone who's used WordPress, it is the worst. And you need 17 plugins to make your website work. And if someone tweaks one plugin, your entire website crashes. Not so God bless the. You know. He was like, hey, I'm gonna solve this problem. Or she. Where my women developers out there? Where you at? Make some noise. All right, here's another one. Reselling vintage T shirts. Buying and reselling novelty T shirts. Within a week, I was making 900% profit. So I guess you can go to, like, you know, A Goodwill or something and find an old red Zeppelin shirt and then resell it on eBay for five times what you paid for it.

[Rachel Cruz]

Yeah, I would not be good at that. I would be good at this next one, though. Selling homemade salsa at my farmer's market. It's been very lucrative, and I feel so connected to my community. This person says I make homemade salsa. Did you know this about me?

[George Campbell]

You made homemade.

[Rachel Cruz]

Yes, I do. That was a Sharon Ramsey thing. She does not buy jarred salsa.

[George Campbell]

So you're getting, like, the tomatillos. You're roasting them.

[Rachel Cruz]

You're putting them in the blender for the green salsa. Salsa verde. You do that? No, but for the other ones, it's just like. It's tomatoes, onion, jalapenos, garlic, a little bit of tomato sauce. If you kind of want to make it a little bit thicker, some cumin, salt and pepper.

[George Campbell]

Wow.

[Rachel Cruz]

And it's great, but it's very fast in the blender. Put it in a mason jar.

[George Campbell]

So you're never buying Tostitos salsa?

[Rachel Cruz]

I do sometimes. Now, don't tell Sharon, but. But it's a bit. Salsa's an easy thing to make, and if people love it, selling it, I'd.

[George Campbell]

Just rather go to a Mexican restaurant, you know, support a local business. Rachel.

[Rachel Cruz]

Oh, my gosh.

[George Campbell]

There you go. Here's another one. Making lava rock aquarium ornaments. Not on my bingo card. All of those words together, it just kept getting more insane. Like making lava. Okay. Making lava. Lava rock. Lava rock aquarium. Followed by ornaments. It got crazy. Brings in 400 to 700 bucks a month.

[Rachel Cruz]

Good night.

[George Campbell]

Which tells you there's a lot of.

[Rachel Cruz]

People out there looking for aquarium ornaments.

[George Campbell]

I don't even know what that would look like.

[Rachel Cruz]

No, that's not Christmas. Ornaments on the tree.

[George Campbell]

That's what I'm wondering. Is it like things you put in the tank to make it cuter for the fish? It's all about aesthetics. That's it in the aquarium world.

[Rachel Cruz]

Woodworking, you know, you can build, gosh, you know, workbenches, tables, all of it. And you can make $50,000 in three years. This person did.

[George Campbell]

That's not bad for a side hustle. And to be fair, one of the most ancient side hustles. I mean, Jesus was out there, you know. Here's another one for you I think you'd be great at, if you're in music knowledge, DJing, this person said, brings in 400 bucks a month. That's not bad. You can. You know, we have some friends here who DJ and You can make great money. Weddings, parties, and as long as you.

[Rachel Cruz]

Have a good time, I would be the app, y'all. I would be the worst DJ ever.

[George Campbell]

Literally, genuinely search on Spotify for wedding playlist and hit play.

[Rachel Cruz]

Oh, my gosh.

[George Campbell]

You could do that.

[Rachel Cruz]

Yeah. We were talking about the Grammys earlier today with the team. I'm like, I don't know any. I know no one. Literally, my Spotify is the goodness of God and Taylor Swift.

[George Campbell]

That's really all. It's all.

[Rachel Cruz]

It's all. I love the goodness of God. I love that song by Beth. So good.

[George Campbell]

You gotta get into that theology. There's a lot going on there and yet not enough. You know what I mean? It's the only two you. So it's either like worship music or Taylor Swift.

[Rachel Cruz]

There's no one between. I mean, sometimes in Christ alone, if I'm feeling like old school, but like, the goodness of God and then. Yeah.

[George Campbell]

So your Spotify rap was real sad. It was like, you. You need a life.

[Rachel Cruz]

All I do is listen to audible in my car. I don't listen to music.

[George Campbell]

Okay. You're a better person than us. We get it.

[Rachel Cruz]

No, it's just like, constantly. No, my books are about murder and kidnapping and. Yeah, it's not good. Like, my books aren't great.

[George Campbell]

Okay.

[Rachel Cruz]

Definitely more in the Taylor Swift genre than goodness.

[George Campbell]

Yeah. What is your favorite genre of music? Would you say pop? Yeah, you said it like, I validated you after years of struggle. Yeah, it is pop. You know what? That's fine.

[Rachel Cruz]

Yeah, I mean. I mean, I. Gosh, that's such a hard question. I don't. I don't know. Yes. I think. I think it would be like. Like, give me a 2003 playlist. And that is my happy spot.

[George Campbell]

Okay. So now that's what I Call Music 2003.

[Rachel Cruz]

I'll be so happy about that. Yeah. That's what I'm getting you for. Sister Hazel. Like, give me, like. Yeah, give me like a Sister Hazel. Like a. Yeah, that genre.

[George Campbell]

Because 20 years ago was the last time you listened to anything relevant. Got it. Okay. That helps me.

[Rachel Cruz]

I know.

[George Campbell]

Give us one more. Rachel, why don't you.

[Rachel Cruz]

All right, how about contract furniture assembly? And this is a good one. So this person made $1,000 a week to show up with a fancy drill and. Yeah. Basically just put together some Wayfair stuff for customers and made a thousand dollars a week. Now, I would pay for this legitimately.

[George Campbell]

Yeah. And I love their end quote. I had no idea people were so scared of Putting their own furniture together. That's real talk.

[Rachel Cruz]

Make some money that way.

[George Campbell]

If I'm sitting on it, my kids are in it. I need that thing built well. And I built a playset for my daughter. It took two of us, I think, two hours.

[Rachel Cruz]

Have you done a kitchen, one of those kitchens for Mia yet?

[George Campbell]

No, I'm too scared.

[Rachel Cruz]

You're about.

[George Campbell]

I will have to.

[Rachel Cruz]

Don't do it Christmas Eve.

[George Campbell]

Will Winston help me?

[Rachel Cruz]

Yes. Winston's great at putting stuff together, but.

[George Campbell]

He doesn't enjoy it.

[Rachel Cruz]

He's just good at it.

[George Campbell]

Especially if it's for someone else.

[Rachel Cruz]

He would help you, George. He likes you.

[George Campbell]

I love how real that got. Like, he would help. This is charity for him. He would do it. He would take ministry time for it, but he would do it. Okay.

[Rachel Cruz]

He would do it.

[George Campbell]

That was fun. We didn't rate those, but I'm giving those all tens. I think they're all interesting.

[Rachel Cruz]

Oh, yeah. From lava rock aquariums to homemade salsa.

[George Campbell]

And they all.

[Rachel Cruz]

These are all great ones.

[George Campbell]

They all involve things that you're interested in and. Or good at.

[Rachel Cruz]

That's what I was gonna say. Find something that you enjoy, right? And then you can make some great money.

[George Campbell]

I thought I enjoyed grocery shopping until I was knee deep in the bulk bin counting wild rice. Just single, just going, that's a 0.98 pounds. I gotta get to a pound or else, I don't know, they're gonna report me to the police.

[Rachel Cruz]

I don't know what to do. Oh, George. God bless the side hustle.

[George Campbell]

Just remember, here's the end quote. When you're working toward a money goal, remember, everything is just for a season. It's not your whole life.

[Rachel Cruz]

That's right.

[George Campbell]

So when it's miserable, remember the why. Remember why you're doing this. I'm gonna get out of debt once and for all. I never want to side hustle again. That's a perfectly reasonable goal.

[Rachel Cruz]

Yep. I love it. All right, so before we get into guilty as charge, this was a great drink.

[George Campbell]

Killer drink.

[Rachel Cruz]

I liked it.

[George Campbell]

We've had some. Some duds lately, so I'm happy to say this one's a 10 out of 10 for me. It's called the Kentucky Colonel. What's your rating?

[Rachel Cruz]

I'm going 10 out of 10.

[George Campbell]

It cannot be improved.

[Rachel Cruz]

Is this a drink you could go to, like a normal bar and order? I always wonder with some of these because.

[George Campbell]

Here's what's going to shock you. Two ingredients in this drink.

[Rachel Cruz]

No, stop it.

[George Campbell]

One of them urban.

[Rachel Cruz]

Well, yeah. I Would guess that that means there's.

[George Campbell]

Only one other ingredient. Rachel, if you're doing the math at home, which is Benedictine, Dom liqueur. Okay, so just kind of an herbal liqueur in there, but it really comes together. And there is an expressed lemon peel, if you want to really go for it. Express a little lemon peel over it and drop it in there. Comes out to $3.12. I assume we use some nice, high quality bourbon in here. You do you recipes in the show notes. This is, I'm gonna say right now, my favorite two ingredient drink of all time.

[Rachel Cruz]

I mean, two ingredients, that's. You can't. You can't beat that. It's very impressive. Very impressive. Do you think he stirs it or shakes it?

[George Campbell]

This is a. Oh, gosh. What does he do? I think it's a stirred drink. Will can prove me wrong.

[Rachel Cruz]

Stir it.

[George Campbell]

It's a stirred drink.

[Rachel Cruz]

Stir it together.

[George Campbell]

Yeah, it's not like a margarita. We're not shaking this up. Don't ruin it.

[Rachel Cruz]

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

[George Campbell]

Have you ever started a new job.

[Rachel Cruz]

And knew immediately that it wasn't for you?

[George Campbell]

It can't be Ramsey. It's awkward. Don't mention that one. You're still here.

[Rachel Cruz]

I've done some weird stuff at Ramsey, though, like publishing curriculum sales on the phone. I've done a lot.

[George Campbell]

Yeah, me, I've done a lot too. I'm trying to think of the worst of the worst.

[Rachel Cruz]

Yeah. I'm gonna be honest.

[George Campbell]

You've enjoyed them all. You had a great time.

[Rachel Cruz]

No, no, no. I'm gonna go back. I think when I realized, like, okay, this would be like when I was working at Libby Lou. I remember this. This is so embarrassing. God, I'm gonna be judged by this. But this happened. I was working there. I worked there for probably a year. But during Christmas break, I took off a lot because I was like, I'm a high schooler, and I got like this thing going. I have this thing at high school going, and I got a trip with my family. I got. I mean, all of this stuff. And the boss came up to me and they were like, you can't take this much time off. What do I do? You know? I was like, I don't know what to do because I can't quit. No, not go on the. On the family trip. I can't in my head at the time was like. But my high school parties and you know, that was the moment where I realized, you know, I.

[George Campbell]

It's not for you.

[Rachel Cruz]

Yeah, I don't know. I. I think I can make my own schedule babysitting and do some other things. So. Yeah, that was a. That was a tough one.

[George Campbell]

Wow. I've. I'm trying to think of the worst. I. I was auditing a bookstore and counting inventory was what I was doing. It was like a part time side hustle. That was pretty miserable. I did it work for my school over the summer. I would go and like update all the computers. Every single one in high school. This was a high school job. Did that for a while. Also miserable. But started a new job. I would say Urban Outfitters. I worked at.

[Rachel Cruz]

George, you had done so much in your life. I literally was like a babysitter's office for maybe six months of my life. Like, I'm like, how have you done all of this?

[George Campbell]

I was a doctor's office receptionist.

[Rachel Cruz]

No, you.

[George Campbell]

That was a fun one. Cause I was getting paid 12 bucks an hour.

[Rachel Cruz]

How long have you been at these jobs?

[George Campbell]

I'm 48 years old, Rachel.

[Rachel Cruz]

No, genuinely, I feel like I had the most boring childhood. I had your integrity snacks. I started a business.

[George Campbell]

This is from like 15 to 23. I lived a lot of life, you know, and I moved states and all that. But my worst one, I'm gonna say was Urban Outfitters. I got fired from the Apple Store. My parents remember this well. Cause I cried like a baby when I got fired. Cause I legit thought like this is my career. Like I gave my life to this. You know what I mean?

[Rachel Cruz]

Yeah.

[George Campbell]

I was a creative. I was training people how to use. So I got fired from that, went to Urban Outfitters.

[Rachel Cruz]

I got fired.

[George Campbell]

No, it wasn't even. I wish it was juicier. I hacked a little Dell MacBook. You know, like you could get a little Dell computer as little minis. And the geniuses who fixed the computers were like, hey, get one. We'll hack it into a Mac for you so you could have this little tiny Dell that was like a MacBook.

[Rachel Cruz]

Yeah.

[George Campbell]

So anyways, apparently that was. They were trying to. They got new management. They were trying to do fire a bunch of people. So a bunch of people got fired in like two weeks for random things. If you were late, you got fired. So anyways, mine was. I. The software update that he did wasn't my copy of the license of the software update. And so they said that was a breach of something.

[Rachel Cruz]

Wow.

[George Campbell]

They fired both of us.

[Rachel Cruz]

Wow.

[George Campbell]

Crushed my dreams. I was making 16 an hour. I was like, this is amazing. I went to Urban outfitters. Was making $8 an hour folding inside out clothes. Because people like Rachel will go in the fitting room, try 90 things, leave them all in a pile for a little old George to clean up. And here's where I was there for three months total. Here was the final straw. Found a used feminine product on top of the mirror because we had to check for tags because people would steal stuff. No, that was my.

[Rachel Cruz]

That was it. Stop it.

[George Campbell]

That's when I moved south. I literally moved across the country after that. I moved to Mobile, Alabama, to start a new life after finding a used feminine product on top of the mirror where people would put tags from when they ripped off the tags to steal clothes. So we always had to check the top of the mirror because that's where they would put the tags.

[Rachel Cruz]

People stole stuff?

[George Campbell]

Yeah, a lot of stuff. Lot of stuff. Surprised they're still in business with how much stuff people are stealing.

[Rachel Cruz]

Oh, man.

[George Campbell]

That was my. That was my last foray at Urban outfitters. But hey, 40% off discount.

[Rachel Cruz]

Like, my Libby Linguin is so sad. I was like, I can't go to my high school parties.

[George Campbell]

Wow. Wow. Wee wah. My entire life was altered after that moment. Found out a lot.

[Rachel Cruz]

Oh, man. Well, yeah, I can't. I mean, I don't. I don't know.

[George Campbell]

Hard to enjoy a job after that. I think we can all agree.

[Rachel Cruz]

I mean, that's. Yeah, that's terrible, George. Wow. Guilty.

[George Campbell]

Thank you. For the first time, you've had empathy for me. By the way, it's really rare to see on this show.

[Rachel Cruz]

Oh, man. Well, that was fun. If you guys have any guilty as charged ideas, make sure to DM us on social.

[George Campbell]

We love hearing them.

[Rachel Cruz]

Yeah. Because you guys have actually some great ones. And if you don't want to miss a future episode, make sure to subscribe. And speaking of subscribing, George, we got.

[George Campbell]

Something cool in the mail. Thanks to you guys, the faithful listeners and viewers out there. Hold it up, Rachel.

[Rachel Cruz]

You got it? Yeah. Oh, yeah. Here we go. Here we go. A hundred thousand subscribers on Smart Money Happy Hour. Oh, it's a big deal.

[George Campbell]

Thank you, guys.

[Rachel Cruz]

Big deal.

[George Campbell]

It's a big milestone for any creator youtuber out there.

[Rachel Cruz]

I mean, for people to get a thousand subscribers is like, that's a lot of work, you know, and a hundred thousand. So thank you guys.

[George Campbell]

Thank you all for hitting that subscribe button and you know, next time we do this I think is the million mark. So only 900,000 to go. Would be cool to do that in our lifetime on this show.

[Rachel Cruz]

Yeah.

[George Campbell]

So encourage your friends to go check out the show and truly it's one of the most fun things when we're out and about. People go I love Smart Money Happy Hour specifically out of all the things we do. And I think it's because it's sort of a nice gateway drug into the Ramsey universe because it's just we're having a good time easy and we do talk about money but it's in a.

[Rachel Cruz]

Very casual way, money and dinosaurs. So we'll see. Well, if you guys enjoyed this episode, make sure to check out the next episode, habits wasting your time and money in 2024. We'll link it down below and we'll see you guys next Thursday on an allnew episode of Smart Money Happy Hour.