Subtle Habits That Reveal a Quiet Millionaire

Summary

Smart Money Happy Hour with Rachel Cruze and George Kamel

Episode: Subtle Habits That Reveal a Quiet Millionaire

Date: February 26, 2026
Podcast Network: Ramsey Network

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Episode Overview

In this lively and insightful episode, Rachel Cruze and George Kamel explore the habits, mindsets, and lifestyles that characterize the so-called "quiet millionaires"—wealthy individuals who live below the radar, reject flashy displays, and quietly accumulate true wealth through timeless money habits. Mixing humor, nostalgia, and practical wisdom, the hosts break down how to spot (and become) a quiet millionaire in today’s social media-driven world.

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Key Discussion Points & Takeaways

1. Defining "Quiet Millionaire" vs. Loud Wealth

• Trendy Wealth Aesthetics: The hosts talk about buzzwords like "subtle wealth", "old money aesthetic", "stealth wealth", and "quiet luxury".

  “We call it secret millionaire. And I love it.” – George (03:43)

• The shift from minimalism back to cozier, patterned aesthetics in home décor mirrors the “old money” vibe.

2. Flash Isn't Always Wealth

• Anecdote: People who buy flashy cars (like Lamborghinis) often aren't truly wealthy; they're often saddled with debt trying to look rich (03:46–04:09).
• True millionaires opt for quality classics and practical luxury—think Lexus, Acura, or vintage cars, not Lamborghinis.

3. Personal Splurges: Allowable But Balanced

• Rachel’s Splurge: Buying a Tesla Model S (“Kardashian white interior”)—a flashier, intentional purchase after achieving financial milestones (05:49–06:12).
• George’s Splurge: Investing in home upgrades (e.g., water filtration, pricey window coverings). Admits some practical spending still feels “loud.”
• Both emphasize that big purchases are fine after reaching debt freedom, but should be intentional (05:24–05:37).

4. Aesthetics & Social Cues of Quiet Millionaires

(11:13–13:01)

• Timeless Style: Neutral colors (cream, navy, black, green), high-quality simple materials (cotton, leather, cashmere).

  “They're a little bit more under the radar, even with their style. Very timeless." – Rachel (11:19)

• Modest Homes: Suburban homes, paid off, not continually upgraded for status.
• Classic Cars: Reliable, luxury-but-practical brands. Real millionaires drive Toyotas, Hondas, Lexus, not supercars.
• Generosity & Social Behaviors: They quietly pick up the check, practice true generosity without fanfare (19:12–22:46).

5. Financial Principles and Habits

(26:08–30:40)

• Debt-Free Living: Quiet millionaires own, not owe. They avoid consumer debt and car payments.

  "The true millionaires out there... they simply don't deal with debt." – George (26:29)

• Steady, Boring Investing: No get-rich-quick schemes; traditional, disciplined investing (401k, Roth IRA, index funds). They rarely check their investments, focusing on long-term growth (28:08–29:13).
• Budgeting Never Stops: Even wealthy people track and plan their spending, though often in broad categories (33:05–34:20).

6. Attitude Towards Social Media Wealth

• Wealthy people aren't the ones flexing on social. It’s mostly influencer-types promoting quick wins or selling courses (16:45–17:01).
• Quiet millionaires are more likely to “ask more than they talk” and show genuine curiosity about others (17:28–18:00).

7. Hobbies and Lifestyle

• With wealth comes margin for leisure: Golf, gardening, travel, charitable work, etc. (“interesting hobbies”) (22:54–24:42).
• The importance of creating room in your budget for generosity and fun, rather than living paycheck to paycheck (21:34–21:55).

8. Memorable Quotes & Moments

• On Practicality:

  “Confidence is quiet. Insecurity is loud. So the louder your truck, the more I know about you." – Rachel (05:10)

• On Generosity:

  “Real nonchalant, not making a scene. Not going, ‘Hey guys, I'm gonna cover the check.’” – George (19:13) “I just remember that feeling... if we see people we know, especially if they're younger, I'm like, oh, all day. I will pay that forward.” – Rachel (21:20)

• On Social Media Flex:

  "Actual wealthy people aren't out there making like social media videos... It's all these influencer types with a course to sell about how to get rich quick." – George (16:50)

• On Timeless Style:

  “That looks like cashmere from here.” – George (11:25)

9. Habits to Emulate

• Automate Your Good Habits:

  “Automate the stuff that's good for you and add friction to the stuff that's bad for you.” – George (36:15)

• Stay Consistent: Consistent investing and budgeting—core disciplines for everyone seeking to build lasting wealth (35:28–36:15).
• Live Content: Avoid falling into the trap of instant gratification or “lifestyle creep”; stick with what’s good enough as you build wealth.

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Notable Segment Timestamps

• 00:05 – Does flashy always equal wealthy? Setting up the episode theme
• 04:46 – The truth about expensive car buyers and real millionaires
• 07:35 – Rachel’s candid take on her future “midlife crisis” purchases
• 11:13 – The “quiet millionaire” style breakdown
• 13:05 – Paid-off homes and resisting lifestyle creep
• 15:56 – Whispering wealth—baby step millionaires “tell us a secret”
• 19:12–22:46 – Social cues: quietly picking up the check, generosity stories
• 26:08 – Debt-free lifestyle as foundational for wealth
• 28:08–29:13 – Investment habits: boring, steady, and low-stress
• 33:05–34:20 – Budgeting habits at every wealth level
• 35:28–36:15 – Hosts’ #1 millionaire money habit
• 39:03 – “Loud millionaire” habits: the watch, the designer bag, and perspective on luxury

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Additional Memorable Moments

• Humorous Exchange: The plight and cost of Roman shades (“I don’t know who invented Roman shades, but they think very highly of themselves...” – Rachel, 09:43).
• Culture Critique: Lampooning “RushTok” and the absurdity of social media flaunting (42:36–44:07).
• Sincerity: Rachel recounts the impact of someone anonymously picking up her meal as a young newlywed (20:25–21:19).
• Practical Tips: Budget for spontaneous generosity and how to build flexibility into your giving (21:34–21:55).

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Conclusion: What Makes a Quiet Millionaire?

• They live below their means, avoid debt, invest consistently, and find joy in simplicity, quality, and generosity.
• Rather than chase trends or “flex” on social media, they focus on building stable, lasting wealth—and quietly passing it forward.

“There’s a reason they seem more peaceful and free. Yes, they don’t have money stress. But also they’re not trying to keep track of a thousand things.” – George (36:21)

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Want to become a quiet millionaire?
Embrace consistency, intentionality, and generosity—and remember, it’s often the quiet ones who finish rich.

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Further Listening

Check out their episode: [Things that Scream I'm Pretending to Be Upper Class] (link in show notes) for more laughs and real talk about money and status.

Transcript

[A]

Does flashy always equal wealthy? Today we're gonna tell you how to spot a quiet millionaire.

[B]

My next purchase for a midlife crisis. I have two.

[A]

I don't know who invented Roman shades, but they think very highly of themselves.

[B]

I'm gonna just throw this in there and then we're gonna end the episode the loudest obnoxious money play right now on Instagram. Hey guys, I'm rachel cruz. I'm george camel and this is smart money happy hour. Let's fall in a glass.

[A]

That's really nice.

[B]

Or actually, is it summer? What season are we in? I don't know, but it's delicious.

[A]

I'll never tell.

[B]

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]

And gather the children round cause we have a mocktail today that we're sipping on. This is the Apple Ginger Fizz mocktail. And we're gonna give you the rating and reveal the cost per glass at the end of the episode. But let me just say I got the purple straw. Rachel got a green straw. I don't know if that was intentional, but let me tell you, I'm very secure. Yeah, it doesn't matter.

[B]

You feel great about the color.

[A]

It doesn't matter.

[B]

You know, it can go both ways, George.

[A]

I just don't look good in a purple.

[B]

It's very.

[A]

It's not a color I would choose for me.

[B]

Yeah, I would say that. You did your colors though, didn't you?

[A]

I didn't do my colors. Someone projected what season I am or whatever it's called. What's that called?

[B]

Yeah, the color wheel or the analysis.

[A]

There's a color analysis. I think it's like an MLM now. You can go to like a party.

[B]

Oh my gosh.

[A]

But yeah, I'm good.

[B]

But yeah, purple was not part of yours.

[A]

Not my color.

[B]

Okay. Well, George, the Internet loves to come up with new phrases when it comes to wealth.

[A]

Yes, we've heard of subtle wealth.

[B]

Yes.

[A]

But now we have old money aesthetic. That's a whole genre.

[B]

Uh huh.

[A]

Stealth wealth. Yes, I like that one because it rhymes.

[B]

You got quiet luxury.

[A]

That's a good one.

[B]

Okay. The old money aesthetic. Is that what you're saying?

[A]

Yeah.

[B]

Okay. This is a trend. You know this via Instagram, my algorithm is showing me the interior design. Like Style now is going back to I don't know what decade. I don't want to say 80s, but like kind of late 80s, early 90s kind of that farmhouse. Like, they're doing colors and patterns where it used to be, like, just white and warm.

[A]

We're getting away from the sort of minimalist.

[B]

Yes. They are coming back around to, like, warm paintings and like patterns on furniture and all of it.

[A]

Oh, it's kind of.

[B]

It's giving classy 90s vibes again.

[A]

Wow.

[B]

Very interesting. I'm not mad about it. My house doesn't look like that at all. So that becomes insane.

[A]

Now you change it all to keep up with the trends. I know. But by the time you do it, it will revert back to minimalist, clinical depression, beige, everything.

[B]

I know. It is so true. But the world.

[A]

Sorry. It's taupe. Okay. Call it what you want, guys, but,

[B]

you know, you watch like Home Alone in that era, and it is a cozy.

[A]

Yes.

[B]

Coziness to those kind of houses. Anyways, but that aesthetic is coming back, which is kind of that old money aesthetic in my head. Like, it's. I don't know. There's a.

[A]

At Ramsey, we call it financial peace.

[B]

Oh, what a phrase. No, but there is something about when you do build wealth, though, that you don't feel like you have to flaunt it, you know, with the fancy labels and all the name brand stuff that a lot of wealthy people out there that actually have net worths of millions of dollars, you would never know that they were millionaires. You know, it is that kind of quiet luxury. We call it secret millionaire.

[A]

Yes.

[B]

And I love it.

[A]

Well, I saw a video. It was an interview with a guy who sells Lamborghinis for a living.

[B]

Okay.

[A]

And he was like, the people that come in here are not wealthy people. It's like middle class people who are drowning in payments, drowning in debt, who are wanting to drive these cars to look like they have wealth.

[B]

Oh, interesting.

[A]

Which was very interesting to me is people who actually have wealth are not going to the Lamborghini.

[B]

Yeah, they're not buying Lamborghinis. But they may be buying like an old, you know, like a Lexus or something. Right. Probably a nice. A nicer car.

[A]

Or they want a classic vintage car.

[B]

Yes.

[A]

You know, like Dave Ramsey, he's got some cool, like, classic cars, but he's not out there in a Lamborghini.

[B]

No, no. But I do think. I don't know, the classic cars is kind of old man. Don't you think?

[A]

That is an old man hobby?

[B]

I do think it's a little more old man.

[A]

Does he have a Corvette? Is that what it is? He's like, he has a newer Corvette and a vintage Corvette. Right. Don't. Rachel's not the person to ask.

[B]

I don't know. I think so. I think you're right.

[A]

Yeah.

[B]

Okay. We're getting some. We're getting.

[A]

I've heard him talk about it. That's why I mentioned it.

[B]

Yeah. Yeah. We're getting some thumbs up. And it's cute. It's like a little like monopoly car.

[A]

Please don't tell Dave Ramsey his car is cute.

[B]

Like it could be like going around.

[A]

It's the last thing I can pick up.

[B]

Dave and Sharon just park place. I just feel like they're like, she'd

[A]

be on the board. Hey, guys, if you ever run into a grown man, never call his car cute, okay?

[B]

Oh, man. Just a little guy there. Yeah.

[A]

Well, here's the key. Confidence is quiet. Insecurity is loud. So the louder your truck, the more I know about you.

[B]

Okay. The louder the car.

[A]

Yeah. Quiet millionaires tend to be more practical. Less try hard.

[B]

Yes. And we're great if you spend your money right. We just want you to spend it intentionally. And there's no shame there because it's great. If you have a great big purchase you want to make, you're on baby step seven. And you do it like that is not wrong.

[A]

That means you got no debt, no mortgage even. You've paid off everything you're living and giving like no one else. Can you go first and tell us what is one sort of flashy splurge that you've shamelessly saved for and bought in babysitting?

[B]

I would say my Tesla.

[A]

Oh, the car itself.

[B]

Yeah.

[A]

It's a flashier car, I think.

[B]

I mean, I would not call it Tesla.

[A]

It's not a minivan.

[B]

I would not say it's flashy. It's not a minivan.

[A]

But the Model S is very. It's a very Batman esque car.

[B]

Yes. It's giving Batmobile and I went like kind of Kardashian. I went like white interior.

[A]

Oh, yeah.

[B]

So I went a little bougie.

[A]

For some reason. White interior does say I'm risking it all.

[B]

I know it does with three kids. It's not smart.

[A]

Would you call it a midlife crisis?

[B]

The magic eraser is great.

[A]

You can use a magic eraser on your seats.

[B]

Yes. And that's what they said to do. Who's they? The Tesla people. Wow. That's what it's called, right? The little sponge?

[A]

I don't think they're called the Tesla people, but yes, the actual eraser. It's a magic eraser yes.

[B]

On the seats. And it gets everything out. I didn't know that. Yes.

[A]

Okay.

[B]

A midlife crisis. No, my next purchase for a midlife crisis. I have two.

[A]

Oh, I love it.

[B]

It just came in my head.

[A]

Keep em going.

[B]

I'm gonna go in the car sector when I get done with my minivan. When the minivan.

[A]

When the kids have outgrown it.

[B]

Yes. When I move on. Cause I was supposed to move on when Charles went to kindergarten. When we bought the minivan, Charles was like five weeks old.

[A]

You conceded, saying this is temporary.

[B]

And I said like, let's get it. We'll get it for five years. It'll be my five year car. And we're here five years later and I can't get rid of it.

[A]

It's too practical.

[B]

It's too practical, George. It has like no miles on it because we just like. Yeah. Tooling around town.

[A]

You're not doing road trips. No.

[B]

So I just like. I don't know, it's just. It just. Yeah. I can't get rid of it. So when I get rid of it, I feel like I'm gonna like, have middle schoolers and I feel like when moms hit middle school age, that's when stuff starts happening. That's where the next midlife crisis comes.

[A]

What are you gonna do?

[B]

Are you ready for this, George?

[A]

Oh, you're gonna get the eyelids.

[B]

I wanna get my eyelids done. I have hooded eyes. Thanks, Dave. Genetics.

[A]

I've never. Is that a thing? I can Google hooded eyes.

[B]

Oh, it's a real thing. Blake Lively, Taylor Swift. Yes, there is a thing.

[A]

All the greats have it.

[B]

All the greats have it. You only mention all the gates have it.

[A]

Okay.

[B]

But yeah. So you just. It's called an upper blef. Upper bluff. I don't know. Anyways, when I get that done, George, you'll know.

[A]

That's your next luxury. Shameless splurge. Yes.

[B]

Yep. Okay. I went real vulnerable. What are you gonna do?

[A]

I have no vulnerability.

[B]

Come on, George. Do you want any plastic surgery?

[A]

It's really all about my kids at this point. No, no plastic surgery.

[B]

Would you get Botox? Ever as a tattoo?

[A]

No tattoos, no Botox. I might go to like Turkey for like a hair transplant one day. That'd be cool. But my hair's in good shape. You know, I got a little on the crown there that could use some love. But other than that, I would say the new house we moved and some house upgrades that like. Like put a pit in my stomach

[B]

a little bit when.

[A]

When you pay for these things, and you're just, like, bleeding money.

[B]

Yeah.

[A]

So like, a water filtration system. Our water was super hard before, and so my wife was like, please, I just don't want greasy hair. Can we please get the system every bathroom?

[B]

Why does that Cause greasy hair? Do we know?

[A]

I don't know. She blamed the water.

[B]

Okay. Does it call your cause your hair to get greasy?

[A]

I think hard water is just harder to, like, get things clean and I don't know. Okay, you can Google it.

[B]

Okay, so we got the water truck. Have your lady tell us about it.

[A]

She'll know more about it than I do. Okay. But I conceded. So water filtration, that was a big splurge.

[B]

Yeah. That's not a midlife crisis, though.

[A]

It is for me.

[B]

Okay.

[A]

Yeah. Also just getting, like, window coverings. Like, I didn't know that you could just, like, my first car didn't cost as much as window coverings for an entire house. So, you know, I'm learning a lot.

[B]

I'm so sorry. What?

[A]

I need hobbies.

[B]

What's window coverings?

[A]

Like, you know, Roman shades.

[B]

Oh, I'm sorry.

[A]

If it has the word treatments is

[B]

what I would say.

[A]

Yes.

[B]

Then coverings. Because they don't always cover.

[A]

I don't know who invented Roman shades, but they think very highly of themselves. It is so, like, Caesar himself must have invented these. Well, they're not any typical shades. They're Roman shades, and they cost 10

[B]

times as much as any other shade. Yes, I agree. I concur.

[A]

So that's where I'm spending my money to look flashy. So you pass by my house.

[B]

Not very quiet luxury there, George.

[A]

So loud.

[B]

Oh, my gosh.

[A]

So let's do a deep dive on what it actually looks like to be a quiet millionaire in today's society.

[B]

Yeah. Some of the aesthetics, the social cues, and really the proven financial principles that these people have taken on in their lives that have gotten them actual wealth. Real wealth.

[A]

Yes.

[B]

Which I love to see.

[A]

Let's start with aesthetics. That's what really matters in life.

[B]

It's super fun.

[A]

The cowboy appearance. It's the first thing you see. It's the first thing you judge.

[B]

Very important. It's the timeless style, George. So think about JFK Jr. S wife in the 90s. So you got Carolyn Kennedy. Timeless style, Ralph Lauren, Calvin Klein, Chanel. So anything that really has a tag that's like 100% whatever.

[A]

So like, 100% pure material.

[B]

Yes. Of leather, purebred, cotton, cashmere. Like, 100%. But it's again, the colors. It's very like creams, navies, blacks, hunter greens. Like, it's a very. There's a look. There's like an aesthetic look. And they go more of that versus like big, flashy logos.

[A]

Loud colors, loud patterns, big logos.

[B]

Yep. Yeah, it's more of that.

[A]

It's not really what the true wealthy people are doing.

[B]

Yes. They're a little bit more under the radar, even with their style. Very timeless. I'm gonna say this, George. Look at this.

[A]

That looks like cashmere from here.

[B]

Okay, so like this. Yes. Like a very simple, plain cashmere sweater. Right?

[A]

Timeless. It'll last you a lifetime if you take care of it.

[B]

Yep. So there's something about that. I wore it for this, George.

[A]

Am I timeless?

[B]

You got corduroy. That's timeless.

[A]

I went with a tan corduroy, a

[B]

navy T shirt, A child's book to your corduroy. The corduroy.

[A]

With the book. No, that's true.

[B]

With the little bear.

[A]

There's no kids book called cashmere. That's true. I do love the book. We actually read that to my daughter and she loves it. She has a little corduroy teddy bear. No, in the crib girl. Yeah.

[B]

Overalls. Precious. Timeless, George. See, look at you mean corduroy. Look at you dreaming big. I love it.

[A]

Next up on the list, classic cars.

[B]

Okay.

[A]

Nothing too flashy, nothing too loud. Brands that offer reliable luxury.

[B]

Yes. So actually when we did our study at Ramsey Solutions about millionaires, Toyota, Honda, all those were on the list.

[A]

Acura, Lexus, BMW.

[B]

But those others, which are a little. Obviously higher end, you got your Lexus, BMW. So it's more of like that race,

[A]

which is essentially Toyota and Honda.

[B]

Yes.

[A]

By the way, fun fact.

[B]

Versus, like the Lamborghini, like you're talking. Or like the big crazy foreign cars,

[A]

you know, super luxury. Porsche. All those. Yeah. Do you say Porsche or Porsche?

[B]

No.

[A]

Can I tell you, I hate saying Porsche because I feel like it feels pretentious. But it's the accurate name.

[B]

And I said Ralph Lauren, but apparently people say Ralph Lauren.

[A]

Loren.

[B]

Yes. It's like a thing. So I don't know.

[A]

That's what we do. We buck the trends, don't we?

[B]

Yeah. We shaw for the trends or you'll fall for the traps.

[A]

A smart man once said that.

[B]

That's what you said.

[A]

We eschew the trends.

[B]

Next up, a modest paid off home. So think 90s luxury four bedroom suburban golf course. They bought it, paid it off, and they're just investing the extra so there's

[A]

some contentment there of like they're not always trying to just upgrade to the next thing.

[B]

That's right.

[A]

We're already seeing a theme here.

[B]

Yeah. That they're good with what they have and they'll just keep building, feeling good about themselves.

[A]

They're fine.

[B]

Yes.

[A]

Now you might walk into their home and go, this is a beautiful home, but they could have more extravagance.

[B]

Okay, that's a great thing.

[A]

There could always be more.

[B]

There could always be more. But they are great with where they are. They don't have to continue to upgrade. And that, I think that that is a mindset that keeps people paycheck to paycheck is, oh, I get a raise. Well, I gotta up everything.

[A]

Lifestyle creed.

[B]

Yes. That if you kind of just stayed where you were, you're good. Then you just build wealth on top of that, which I love.

[A]

Well, I think young people fall into this trap because they're trying to have what their parents had, but they want it 25 or 30 years earlier.

[B]

Yes, that's true.

[A]

But they go, well, my parents have a five bedroom home, I want that. And it's like, yeah, but they worked their whole life to get that.

[B]

That's right.

[A]

Even if it was cheaper. Like we know housing prices are insane, but there's still this level of just like, well, I don't have that yet.

[B]

I want to get it quick. It's the instant gratification that's real. You know, one of my financial goals in 2026, George, what's that? Is to stay safe on the Internet with all my info.

[A]

Look at you.

[B]

I know, I want it removed. Get it out of here. Because did you know that data brokers will collect your data? And you guys, this is like your name, your address, old addresses that you've been at. Phone numbers, family names, kids names, all of it. They can go and like collect all your data. And then when they want to go and spam you or scam you, they go to these sites, pull out your information, text you all the things. We don't want that. No, no, no. So delete me goes in and removes your information, which makes you harder to find, which is one of my goals.

[A]

Yeah, we talk a lot about offense when it comes to your money. Paying off debt, building wealth. But you gotta focus on defense too. And this is a great way to help protect as you build wealth. And so check it out, they've got a great deal for our listeners out there. You can get 20% off any of their annual plans when you go to joindeleteme.com smartmoney or you can click the link in the description. This is the year you take control of your data privacy once and for all.

[B]

Yes. I'm telling you, you need it. You want it, do it. Okay, next up, usually old money is literally older. Right. So people that have won over the long term, they're in their 50s, 60s and 70s. Right. They are not 23 year olds who are just like, you know, making all this money. No. They have built wealth over time and I would say in a steady, non flashy way as well. And there's something about that that gives a level of stability, which we love. That's what we're shooting for. And I love to see it. I love, you know, people come to the Ramsey show and watch it live in our lobby here at Ramsey Solutions. And it's so fun when people come up and they're like, we're baby steps millionaires. Or like they'll like tell us and you're just like, oh, my gosh.

[A]

And they always whisper it.

[B]

They do whisper it, don't they though?

[A]

They always kind of lean over like they're going to tell us a secret and go, by the way, we're baby steps millionaires.

[B]

Yes.

[A]

Because they don't want to make a scene.

[B]

Yes, I know. They're quite quiet.

[A]

Literally quiet.

[B]

Literally.

[A]

I think that's a good caveat. If you're a loud person that tells me a lot about you and you're. Yeah, I've never met a super loud person that also is wealthy. Maybe. Except Dave. He's pretty loud. He's got a good vibrato on him. Yeah, you can hear him coming across the room.

[B]

He will, he'll give a good shout out over there.

[A]

But Dave's also pretty quiet in a lot of ways, which is interesting.

[B]

Yeah. But I think it's about the subject at which you're talking. If you're sitting there yelling about. I say yelling, shouting loud, obnoxious about how much money I made this year. Oh, I got this and this going. You know, I'm making this and this. There's a part of me, I'm like.

[A]

Which is most social media videos?

[B]

Why do you need to. Yeah, what's the need? What's the need?

[A]

That's the funny part. Actual wealthy people aren't out there making like social media videos. Like, you know, here's how I. It's all these like influencer types with a course to sell about how to get rich quick and leverage debt.

[B]

Right.

[A]

I can't wait to not use social media when I hit 60. Look forward. I'm going to when I retire. I'm retiring from the Internet as well.

[B]

You know what? That's a good goal. That's probably.

[A]

I think I'll live longer, don't you think? I might even live past 80. We'll see.

[B]

Speaking of social media from another episode,

[A]

if you know it's called a callback for the true fans out there.

[B]

Yeah.

[A]

If you know, you know social media into social cues.

[B]

Ah, Love it.

[A]

This plays into what we were talking about. They ask more than they talk.

[B]

Okay, so your quiet millionaires, they keep

[A]

the conversation about you.

[B]

They're interested in you.

[A]

They're curious people. They're not here to be like, oh, here's about my life and here's my.

[B]

It's not funny. Isn't it funny?

[A]

You know, very secure.

[B]

You know people on both ends of the spectrum. Like, I could name. I know people, and they're fine people. Yeah, but you're like, oh, yeah, I know people that. Yeah, it's a lot.

[A]

I also know wealthy people who also talk a lot. They're not my favorite, but I know them.

[B]

Yeah, that's true. Yes. This isn't like a black or white.

[A]

Yes. But in general, if you had to

[B]

stereotype, Okay, I like it highly disciplined. So they have a routine. They are consistent. You know, even a uniform. Think of Steve Jobs. He's got his black turtleneck. You know, they are.

[A]

What would be your uniform? If I had to just say, rachel, you wear this one thing forever.

[B]

That's a great question. I'm going, is it seasonal?

[A]

It has to be all season.

[B]

Oh, man.

[A]

But you're indoors 90% of your day.

[B]

Okay, I'm gonna go black sweater.

[A]

Okay.

[B]

I'm gonna go. These jeans. I love a wide leg.

[A]

Comfortable.

[B]

And some plaid. Oh, yeah,

[A]

she's pretty much.

[B]

And I just wear this outfit.

[A]

Wow.

[B]

Yeah, I got it on.

[A]

That's good.

[B]

How about you?

[A]

Yeah, similar. Normally what I do is black jeans, black T shirt, and then I'll throw on a layer at work for different video shoots and things.

[B]

That's smart.

[A]

So that's kind of my Steve Jobs outfit is just black on black.

[B]

Some sneakers, very quiet millionaire.

[A]

Yeah, that's what I do. But it's more for practicality because I hate changing.

[B]

Yeah.

[A]

All right, Next on the social cues of quiet millionaires picking up the check.

[B]

Oh, love this.

[A]

Real nonchalant, not making a scene. Not going, hey, guys, I'm gonna cover the check. Just kind of sneaking over to the Waiter handing the card. They come back, and everyone goes, what happened? Oh, no big deal. Just wanted to cover it.

[B]

I love that.

[A]

And I'll shout out, my brother does this a lot when he's out. When he's visiting, he'll be the guy to sneak over to the waiter. He said he's going to the bathroom. What he's really doing is sneaking his card to the waiter to cover the meal pay.

[B]

I love that.

[A]

And they come back with the bill, and then we all go, what?

[B]

Yes.

[A]

No.

[B]

So great.

[A]

But it's very nice. I think that leans into generosity without flaunting it.

[B]

Yes. And I love paying for people's meals. And they don't know you've paid, and so you just are like, hey, just put their tab, whatever it is, on this card. And then you leave and you're like, okay.

[A]

Do you do that?

[B]

It's my favorite. We've done it. Yes.

[A]

For, like, random people.

[B]

No, no, no, no, no. It's like, people we know. Or there was an event where a few people kind of came up. So Wentz was like, hey, let's cover their meals tonight. You know, which was nice. But, yeah, it's usually, like, people we know, we see, and we're like, oh, like, yeah, that happened.

[A]

Has that ever happened to you where someone covers your meal?

[B]

Yes. And I'll never forget it. I'm gonna shout em out. Bill Hampton.

[A]

Yes.

[B]

So Bill and Amanda. Bill used to work at Ramsey, and we were just married. We didn't have kids. I mean, this was like, golly. We were probably living here for two years. We went to Puckett's in downtown Franklin. I will never forget this. We were 24, and to, like, go out to eat, it was like a Friday night thing. And I remember we had to spend under, like, $75 to stay in the budget. It's like, Winston got a water. I think I got a sweet tea. I just remember. I don't think we got an appetizer. Like, it just, like. I remember that feeling of. Yes. Of just being like, hey, we can't. It was not the days of, like, oh, yeah, okay, whatever. We had to be very, very aware of what we're ordering. And it was gonna be out of our budget. It was like, one of the four times we could go out to eat, and we saw Bill and Amanda, and he paid for our meal. And you would think he gave us, like, a million dollars. We literally were like, oh, my gosh. I look back now, I'm like, It was, like, 75 bucks. But for us as like 23 year old newlyweds. It like it was the biggest deal in the world.

[A]

So I love that.

[B]

I just remember that feeling. And so especially young couple. Yeah. If we see people we know, especially if they're younger, I'm like, oh, all day. I will pay that forward. It's another feeling. It's so great that you're like, oh my gosh, you get to go out to dinner.

[A]

That's a fun thing to budget for in your own budget.

[B]

Yes.

[A]

Once you're out of debt and you have the emergency fund, just budget to cover people's meals. Cause it's one of the nicest things you can do.

[B]

Yeah, we did that this year, George. We changed up our giving. And so we have a line item every dollar for extra giving that we have month to month. So we just have a fund and we try to use it. And so we.

[A]

It's kind of a spontaneous gift and

[B]

try to find ways to do that, like to spend the money. But restaurants is one of the things. Yes.

[A]

I love it.

[B]

So if you're able to budget, like extra giving in the budget.

[A]

All right. Whitney and I are going to show up at the same restaurant as you.

[B]

Just to see George and Whitney over there. We should definitely. Their Roman shades are so hard to

[A]

like, open and close.

[B]

They've struggled so much today.

[A]

So European, so man. So timeless.

[B]

So tired.

[A]

A fan did that to me recently. My wife and I were out with our baby girl and they paid for you. She ran into me. She didn't even want to say hi. Like she was too. She just kind of like paid for the check. And I went, who? I'm sorry, who was that? And she was like, oh, she's over there. And I went and talked to her and I was like, hey, I just want to say thank you so much. And she's like, no problem. Like, I went through Financial Peace University and like, what you guys do just means the world. And I just wanted to bless y' all and it was just like the sweetest thing to do.

[B]

That's awesome.

[A]

Number one anonymously.

[B]

Sure, totally.

[A]

Which is even more of a flex.

[B]

Yes.

[A]

That's super quiet wealth.

[B]

Yep. I love that.

[A]

So it made me want to pay that forward and do that for others.

[B]

Love it. Okay, next up, they have interesting hobbies.

[A]

Oh, dang. I need to work on this one.

[B]

Golf, gardening, charity work. So they, you know, when you have margin, you don't have to stay, you know, in the grind of work all the time. You know, you're able to be A little bit free, even with your time, which is definitely, I would say, a luxury.

[A]

Yeah. This is me. It says disclaimer. If you're currently a parent in your mid-30s and you're eye rolling at us, it's normal. If this isn't a reality for you right now, thank you. Thank you so much. This is my reality right now. I look forward to having hobbies one day.

[B]

I know.

[A]

What do you think I should do? Cause, like, all my neighbors are like, hey, you should come golfing with us.

[B]

Would you cycle ever? Would you ever cycle, like on a bicycle?

[A]

Like outside or inside?

[B]

I could see people.

[A]

Like a spin class?

[B]

No, like out on a bike.

[A]

Like Tour de France level speedo situation. Not feel super dangerous.

[B]

I don't know, I just feel. I feel like you could cycle, George. I don't know why. Just saw you on a bike.

[A]

I feel like I should be mentoring youth or something. Something that isn't like gonna injured. I think travel's up there now. Mini golf. If I could start like a mini golf, like, why go to the course for the day when I can go to the tiny course?

[B]

Yes. Pickleball.

[A]

Yeah. I did play with our friend Ken Coleman.

[B]

How was it?

[A]

It's good, but the environment has to be right. I need to be playing with people who are worse than me. And the temperature has to be below 75, preferably cloudy. Your boy's not trying to wear sunscreen. I know UV can penetrate the clouds and it's actually. I get it.

[B]

But still. Yeah, but still.

[A]

No, I'll find some hobbies. Don't worry. Don't worry about me. I'll be fine.

[B]

Well, one of the best things I think this year for me personally is all the cozy earth stuff I own.

[A]

It's a year of cozy for you, George.

[B]

I'm not kidding.

[A]

You're in your cozy era.

[B]

It's one of my favorite things. Like, I will leave this workplace and I will go home and I will be putting on my cozy earth pants and my sweatshirt, my socks. I mean, all of it. Seriously. It is one of my favorite things. Because you can get dupes on Amazon, like for things, right? But there is something different. It just feels different when you buy the real stuff. And it is quality products. And I'm not just talking about clothes. This is sheets and blankets and skincare stuff. Like, it's just amazing.

[A]

Everything they make is luxury quality. And it really is the best. Every time I get home, I immediately I'll hug the babies real quick, and then I go change into my Loungewear.

[B]

Yes.

[A]

That's. It's a routine for me. And I love when I slip into those joggers. It's just the best. It makes the night even better.

[B]

Yeah. And it's become the place where I get gifts. Like if someone like has a birthday or something. Great gift idea.

[A]

Yes.

[B]

I'm like, I would love to get you. Yes. Something from there because again, everything is so quality. So, so quality. So go to cozyearth.com smartmoney and use the code smartmoney for 20% off. All right, next up, George is financial hab of the quiet millionaires. They own not owe. So debt free living is their specialty. And once you're debt free, you know you want it to stay that way because then you get to save money and build wealth.

[A]

They're like, why would I go back into debt to owe other people money?

[B]

That's right.

[A]

And now the caveat here is people are already listening, going, I know wealthy people who have debt. There's a difference between leveraging debt for some kind of investment versus consumer debt and what we found doing our millionaire study. They're not carrying consumer debt, they're not carrying credit card balance, they don't have car payments.

[B]

Yes.

[A]

The true millionaires out there that are actually in reality not on social media, they simply don't deal with debt.

[B]

All that stuff. Yes. And that's the videos that I love when they do these millionaires on the street is like, majority of them are like, yep, we just paid off everything. We don't have debt. We just have investments and use the investments and travel and do things. So it is a very true thing that being debt free not only contributes to your actual net worth like the number itself, but also the peace of mind when you don't owe.

[A]

It's amazing whether they intentionally followed the Ramsey baby steps or not. They kind of went down this path where they said, if I get out of my consumer debt and stay out, if I have an emergency fund of three to six months of expenses, if I build wealth for the future through investing, I'm going to be okay.

[B]

Yes.

[A]

I'm not going to be stressed about money. I'll have money left over to do things I actually want to do, like give or travel.

[B]

That's right. So you guys remember these steps. Get a thousand dollar emergency fund, build that up, then pay off all of your consumer debt. Once it's all paid off, then build up a fully funded emergency fund of three to six months of expenses. That's kind of the step then to free up Your income then to invest, which is what these quiet millionaires do. They have old school investing strategies. So they are, man. They're in the Roth IRA, 401k, maybe a brokerage account here or there. Some index funds, some non retirement funds. Yes. But there's nothing flashy about.

[A]

If you ask them how they did it. No one is like, well, I just downloaded the Robinhood app and then I got into crypto early on. Like, sure, there's maybe like.001% sure.

[B]

But majority of people got lucky.

[A]

But most of them just traditional investing into the overall stock market through mutual funds, which is giant groups of stocks instead of one. The key is they got the financial literacy they needed or they worked with a pro, an investing professional to help them with this instead of going, well, I just don't know. I'm scared. I'm scared of the stock market.

[B]

They don't do it.

[A]

There is more risk in not investing than there is in investing the right way.

[B]

That's right. I love this strategy too, because it's not stressful. Do you know what I'm saying? Like, if you're in and out of the market all the time trying to sell this, sell high buy.

[A]

How often do you look at your investments?

[B]

I mean, I hate to say it.

[A]

Once or twice a year.

[B]

Once a year. When we sit down with our investment professional and we look at everything, that's it. And it's for the long run. Like we'll do tweaks, I guess a little bit here and there, but it is nothing massive and you just ride the course. So you're not worried about like, oh no, this happened. This happened because you're like, okay, I have literally a few decades for this to straighten out and it will. So I like that. I kind of like the. I don't have to stress about it.

[A]

Keep it simple. And if you guys want to understand this stuff, you're going, hey, it overwhelms me. I don't know what I'm doing. I want to be more confident. You can go check out the Ramsey Investing Guide. It's completely free. We'll drop a link in the description for you to check that out and that will give you the confidence you need, the boost you need to get investing to build that compound growth.

[B]

Love it. Next. George. Their entire financial strategy isn't built on airline miles.

[A]

Now this is you. So we've said for a long time millionaires didn't get rich because airline points people got. We never said they get rich because airline. Here's the concept behind it is that you're chasing the wrong things. You trying to finesse the system and get the points and get the cash back and get the miles. You're playing the wrong game. You're playing the game the credit card companies want you to play, which is spend more than you normally would have. Potentially go into debt paying us 29% interest, all so that we can give you some measly points and miles that give you a free hotel stay every once in a while. And they think that's what winning is. So we need to redefine that for these people.

[B]

Yeah. When you get more excited about getting a free airline ticket than the percentage of your income you're putting into investments,

[A]

that's the big question.

[B]

Probably the wrong priorities.

[A]

How much are you investing every month versus how much are you talking about your points and miles?

[B]

Yeah. So it's a bigger strategy. They're not looking at those, you know, tiny little nuances of trying to finesse a game. They are. They are beyond that, George.

[A]

I love it.

[B]

Also, no student loans. So if they had them, they pay them off and they prioritize their kids education. And so they will save up for their kids to go to school.

[A]

And that's part of the proven plan that we teach. So once you're out of debt, once you have the emergency fund, once you're investing 15% into your own retirement, that means you have your own mask on. Now we can help out the kids by putting money away into a college fund. I personally use a 529 plan. And what's cool is you don't have to use your state's 529 plan. So they're state specific, but I think mine's in like Utah.

[B]

Yeah, there you go. I'll be honest, George. I don't even know if I know.

[A]

I'm gonna find out. I'm gonna ask Winston. Winston's on top of this.

[B]

I know. Cause we have one for each of the kids.

[A]

But it's a simple way to invest. Have compound growth, it has tax advantages. And people always go, what if they don't go to college? Rachel and I go, what if they do and you don't have $100,000 to cover the deficit?

[B]

I know it's a lot, so I'd

[A]

rather have too much. And also, you can now roll over 35 grand into a Roth IRA if they don't use it. And there's all kinds of stipulations and rules, so you can look into that. And then the other part is if they Get a scholarship. You can actually pull money out of the 529 plan against that scholarship with no penalty. Well, Rachel, everyone's trying to get their money right again. And the problem is, if you don't have a bank that's actually fighting with you instead of against you, you're going to have a hard time. And who you choose to bank with matters. And it's why I love Fairwinds Credit Union. It's the easy choice.

[B]

Yeah, they're amazing. They make everything so simple. I know when we signed up for our Smart Bundle, which is the no fee checking account, and you get the Ramsey debit card, the Beware debit card. It's awesome. And then a high yield savings account. When we did it, George, it was so simple. Like, it was so easy. Everything just flowed. I was like, oh, information. Is that it? And then they called the next day customer service just to make sure everything was fine. Like, they're amazing. So the people behind the scenes are incredible. They love the Ramsey principles and working with us because we talk about banks a lot, you guys, and it's usually in a negative fashion, but you'll never hear anything negative about Fairwinds because they are amazing. Not only the service that they provide, but also who they are.

[A]

And if you're going, well, it's online. What if I need to do something in person? Well, they have a whole network of credit unions that they partner with and a whole network of ATMs, so you don't have to worry about that. So go check it out for yourself. Go to Fairwinds.org Ramsey to get that Smart Bundle. Or click the link in the description.

[B]

All right, last but not least, with our quiet millionaires, George, they still budget.

[A]

I thought once you get rich enough, you just don't even budget.

[B]

Can you believe that? Now I will give the caveat I do think, for if you really do have no debt, no mortgage, all of it, they're probably not very, very, very detailed with it. I feel like I have talked to more and more people, but they're big buckets. They know where their money's going still, but they're not worried about every little $5 charge here or there.

[A]

Well, there's so much extra margin.

[B]

It's big. Yeah, it's big buckets that they use. Now I will say I still am very, very, very detailed with our budget. I still track every transaction. Cause it just makes me feel good. But I can see people living on Baby step seven. Cause I've talked to some of them, like on the Ramsey Cruise and stuff. Like, we've interacted with a lot of these baby steps millionaires and we'll talk about budgeting. Like, yeah, we're a little bit more. Which I'm like, that's great. When you get to that point, you can be more general with it. Right. You don't have to nickel and dime yourself every little thing.

[A]

Once you get there, reconcile every penny.

[B]

Right. But they still have these buckets. They know they're giving, they know they're investing, they know their lifestyle. Travel. Right. They have buckets for travel. And I just appreciate that, that they're still really intentional with their money. It's how they got there. And there's a level of managing it well that continues to let them have wealth. And budgeting is that.

[A]

Yeah, yeah. Back in the day, I used to think budgeting was like, for broke people or excel loving nerds. And I realized that I was broke until I started doing a monthly budget. It was just super freeing to actually just pay attention to my money, realize, oh, I made good money. What am I doing with it? Oh, here's where it's going. Because I'm tracking transactions now, and all of that becomes a habit that forces you to go, where do I really want to spend my money? Do I want to pay off debt? Right. Put your money where your mouth is. Put it in the budget. Plan for it. That's all a budget is. And if you want to spend money, the budget's not going to shame you for it because you created it.

[B]

That's right.

[A]

Plan to spend. Put the travel fund in there. Go for it.

[B]

That's right.

[A]

Put the Amazon earrings in there. Go for it.

[B]

Throw it in.

[A]

There you go, girl.

[B]

Yeah. And if you haven't budgeted before, or maybe you have, make sure to check out everydollar because it is an incredible. Not just budgeting app now, but it's going to help you work the whole Ramsey plan and give you recommendations, digital coaching, like, there's so much to it. So we are really excited about it and love it.

[A]

So make sure go check it out. Link is in the description below. All right, Rachel, if you had to choose your number one millionaire money habit, a financial teaching you swear by that will work for everybody every time, what would that be? That's a hard one.

[B]

I'm gonna say consistent investing.

[A]

Yeah. If we're talking millionaire, we're talking about wealth.

[B]

Yep. Yeah. I'm gonna say investing. Always invest. Don't skip. Keep going over and over and over. But I do think you have to be Debt free to do that. The debt free living too, I very much subscribe to.

[A]

Yeah, because most people, when we talk about investing, I'll say, hey, if you invest, you know, however much, 700 bucks a month, and they go, well, nobody has 700 bucks a month. And I go, what's your car payment? What's your student loan payment? It turns out you do have that money. You're just giving it to a lender every month instead of building your own future.

[B]

Yeah. People easily are spending $1,500 a month on debt payments, not on mortgage debt payments. So if you think about keeping that and investing that money instead, what it can do is, like, mind boggling. So how are you?

[A]

Yeah, I mean, millionaire money habit. I would say, like, automate the stuff that's good for you and add friction to the stuff that's bad for you.

[B]

That's cool.

[A]

I think millionaires do that.

[B]

Yeah, I like that.

[A]

So, like, automating it. Meaning, like, I have a system where the money in my 401k just goes there before it ever hits my paycheck. So they don't see it. It's out of sight, out of mind. It's not living rent free in their head. They're just going about their life. There's a reason they seem more peaceful and free. Yes, they don't have money stress. But also they're not trying to keep track of a thousand things. They have a pretty simple financial life, more than you would even think. I mean, when you look at Dave Ramsey's whole entire wealth, it's real estate and mutual funds. He doesn't have 17 things going on. Now, the minutia of it can get complicated, but he has people, experts in his corner that do that. And so that's the other piece. The millionaire money habit is offload and delegate. The stuff that you don't want to deal with or don't have expertise in.

[B]

Yes. Have a team around you. I think that is so smart too.

[A]

It's huge.

[B]

I love it. All right, George, before we spill the tea in our guilty as charge segments, give us the deets on the drink.

[A]

This is the Apple Ginger Fizz mocktail coming in at $1.78.

[B]

Okay, I feel like it's.

[A]

This is hitting. My rating is a 10 out of 10.

[B]

I'm gonna say the name is scarier than the drink. I don't know why.

[A]

The name is scary. The Apple Ginger fizz feels like it should be for a toddler, which you could give this to a toddler if they can Handle a little fizz. Also a lot of sugar in this.

[B]

Okay. I'm gonna go eight out of ten.

[A]

Okay.

[B]

It's a little tart for me. But you like the tart?

[A]

I like it tart.

[B]

You like the tart.

[A]

I wanna feel like someone punched me in the mouth.

[B]

I feel that a little bit. I'm not gonna lie.

[A]

But it's like a sour candy almost.

[B]

It's good. Yes. It's almost like a sour candy. That's a good way to put it.

[A]

It's got apple cider, lime juice, apple cider vinegar. That's got a little punch to it.

[B]

Yeah.

[A]

Ginger ale, cinnamon, and mint leaves.

[B]

Ah, very. It's refreshing.

[A]

Very.

[B]

When we first took a sip, I was like, ooh, that's fall. Kind of feels fall, but then you're like, no, it feels kind of summer. It's like an in between seasonal drink.

[A]

I like that. So get the recipe in the show notes. Give it a try this weekend. See what the kids think. That's what really matters. Think about the children.

[B]

Think about the children. Now it's time for guilty. Guilty as charged. And this is where we ask each other a guilty as charged question every week. And if we're guilty, we take a sip. All right, George, you ready?

[A]

Oh, boy.

[B]

Do you have any loud millionaire habits?

[A]

Oh, gosh. A habit, I guess, telling, I mean, part of my job. I'm trying to make it aspirational for people to build wealth. So I have to say, like, hey, I went from broke to millionaire. And people look at that like, I'm trying to flex and talk about. Oh, he's always talking about, like, no, I'm just telling you as the average George, like, this is where I was and this is where I am now.

[B]

Okay.

[A]

That is true.

[B]

Because you said earlier in the episode all these like, hey, guys, what's up, guys?

[A]

It's your boy. It's exhausting.

[B]

That's how you hate social media. You want to get off.

[A]

That's why. But my loudest thing, if you just, like, looked at me at face value.

[B]

Yeah.

[A]

I think probably, I guess my watch, because it is a luxury watch.

[B]

Yep.

[A]

And as famously known, it's an inherited item.

[B]

Yes.

[A]

So I did not pay retail price for this, but it feels flexy. Like I still a little like, I'm trying to get used to it.

[B]

Okay.

[A]

Wearing it in public, it's like, it's

[B]

been a while too since you've had it.

[A]

I'm getting you. Yeah. I've become more comfortable with it because I was famously an Apple watch guy. But then I realized I'm not even really using the functionality of this watch.

[B]

Yes.

[A]

How about you? What about. You know what? You have a bag that's, like a nice bag? I don't know bags.

[B]

Oh, yeah.

[A]

You could have told me it was from Target. I wouldn't know the difference. But it's apparently designer bag. Very nice. The ladies in the office know.

[B]

Yes, I know, and I don't. I've heard it pronounced, like, 30 different ways. Oh, goyard. Goyard. Like, there's all these different ways people say it, but it's that.

[A]

Is it French?

[B]

Yes.

[A]

Okay, French people, let us know in the comments.

[B]

You can't buy it online. Oh, so like a Louis Vuitton or, you know, some, you know, a Gucci. You can, like, order online and I can show you. You have to go to the store. So I went to the one in Beverly Hills. I was in la, but you've been

[A]

in Beverly Hills, like, once. It's not like you're hanging out there.

[B]

This was my story. I mean, this is like an old story now. It's over a year old. But I was in LA for work, and Winston was with me, and it was my birthday weekend, and he was like, babe, we should go get that bag. Yeah. Cause, yeah, I think there's a store maybe in, like, Miami, New York. I mean, I don't know. I'm making this up. Miami, New York, Chicago, la, Vegas. I don't know. Like, yeah, the. The nicer shopping area. And then, of course, international. And I like it, too, because you. If you know, you know it, the pattern, but if you don't know it, you would never know.

[A]

It is a quiet luxury.

[B]

Yeah. There's kind of like a vibe to it, which I like, but I feel like now people. I feel like it's become more popular now. I feel like I see more and more.

[A]

Fooled me. If you're a dude, you will not know this purse.

[B]

Okay. Yeah. So I like that about it, you know?

[A]

Yeah, I like that, too. Can I tell you, I got my wife a push present, which, guys, if you didn't know, I learned this the hard way. There's something called a push present. When a woman is about to give birth, you have to buy her a really nice gift to say, you're awesome. Let's spend even more money right now. I thought, like, the hospital bill is enough.

[B]

Oh, my gosh.

[A]

So, yeah, I got her a push present and got her these, like, luxury sunglasses.

[B]

Oh, yeah.

[A]

She found basically the same ones, like Amazon knockoff And I swear, she wears those more. No, that's tough. They're just as good.

[B]

Yes, that's tough.

[A]

So I don't know.

[B]

I'm just sort of like, yeah, the sunglass game. I could go. I do Amazon for that. I don't really. I have one pair of Ray Bans. That's the nicest sunglasses. I have mine, but there's something about a real bag. Like, that's leather. Like, the quality genuinely is great. Like, targets to light stuff. Yeah. The straps for it.

[A]

You pass it down to your children.

[B]

Oh, gosh. That feels.

[A]

Will they be fighting over this bag one day?

[B]

I don't think it's that rare.

[A]

Or will it be out of style? Like a Vera Bradley or something? Sorry if those are. Sorry if you own one. I'm not trying to be mean. I just. I know that used to be a.

[B]

I love a Vera Bradley tote when we travel. A duffel.

[A]

Now, that is loud. I wouldn't say it's luxury, but it feels like.

[B]

It does look like a quilt. A grandmother's quilt. I get it. I know. Okay, I'm gonna just throw this in there, and then we're gonna end the episode when we are filming this. As of right now, the loudest obnoxious money play right now on Instagram is the sorority Rush videos. Oh, there is a thing, a world, which I was a sorority girl. Never was this my world.

[A]

Kai Omega.

[B]

We didn't have X and a horseshoe. Kaiema. We didn't have social media. I think we had Facebook. We ended up getting Facebook in college. But, like, we didn't have all the other things. And these girls, George will, like, do their O. OTD's outfit of the day.

[A]

Oh, I thought it was the Rush dance videos.

[B]

Well, those too. But they say what they're wearing to these, like, Rush parties, and it's like, thousands of people.

[A]

Doesn't it get tedious to just say, I'm wearing Lulu. I'm wearing Lulu.

[B]

No, George design. I mean, it is crazy. So anyways, that comes up in my feed now and then. I'm so stupid. I watch, like, three of them now. My whole algorithm is like, rush talk, whatever that is. And I'm like, oh, my Lord.

[A]

Yeah, Whitney showed me a video.

[B]

I mean, it's crazy. That is, like, love you, girls.

[A]

Like, I would say sorority in general is just loud. Anything sorority related is like, I'm trying to.

[B]

But it was. It wasn't like that, though. Or maybe it was, and I was blind to it.

[A]

Well, we didn't have social Media, so I think there wasn't a flaunting.

[B]

I'm telling you, it's. Yes, it's not.

[A]

It was a very localized level of flaunting. You know what I mean?

[B]

Yes.

[A]

You couldn't get past your campus, right?

[B]

Oh, yeah, yeah, yeah. Okay. Anyways, that feels like the opposite of quiet millionaire these days. So keep the prices to yourselves. What am I, a mom?

[A]

Yeah, you're getting old. When you're judging girls in college for just living their life, I feel so.

[B]

Love you, girls.

[A]

Good luck. I mean, it's not like they paid for it like daddy and Mommy paid for the. You know what I mean?

[B]

And then their dorm rooms. I won't even keep going.

[A]

There's this one where I watched her videos.

[B]

They were putting wallpaper on her dorm room. On her dorm room.

[A]

Is that illegal?

[B]

I don't know. But ours at ut, the dorm is now torn down because it was built like in the 60s. It was.

[A]

Dorm rooms should look and feel like a prison.

[B]

It was. It felt like you were in jail. Genuinely cinder blocks. I mean, it was. It was very sad.

[A]

Now bringing like a mattress topper, I understand. Cause I have trust issues.

[B]

Sure, sure.

[A]

With used mattresses. But.

[B]

But again, that in and of itself is not bad. It's the standard at which now that creates. Everyone feels like that's normal now.

[A]

Every young girl feels like she has to live up to that.

[B]

And then that's the level of comparison when you're in college. And you shouldn't have that. We should be the ones dealing with keeping up with Joneses. Not for them. These innocent little 18 year olds.

[A]

Add them to your prayer list. I sure. Add the entirety of Rush talk to your prayer list. Man.

[B]

We watched Freaky Friday with the girls last night.

[A]

Did they love it?

[B]

They loved it. And that was Lindsey beforehand. And then she went down, prayed for her, and now she's back up.

[A]

Wait, you mean we as in a family or like you as in you?

[B]

I just feel like there's other people that prayed for her too, and they're out there.

[A]

They're out there. The prayer. Some prayer warriors.

[B]

Yeah. Demi Lovato doing great.

[A]

Oh, she added to the list.

[B]

I prayed for her for a hot second.

[A]

Bieber's still on the list. You know, I've been worried about it.

[B]

I love you, Biebs. And yes, I am thinking about you and praying for you still. But I trust you. I trust that.

[A]

Did we add anyone else?

[B]

I did see Amanda Bynes and that made me very sad. I may add her. Amanda. Holy spirit's coming for you, girl. Just get ready. I'm about to release it, but here's the thing.

[A]

Now, if there's any progress in Amanda's life, you will take credit.

[B]

Take all of that.

[A]

That's your toxic trait.

[B]

Just call me a prayer warrior.

[A]

I love it. I love it.

[B]

All right, if you have any guilty as charge questions for us, make sure to DM us, Rachel Cruz and GeorgeCamel. And if you enjoyed this episode, make sure to check out our episode, Things that Scream I'm Pretending to Be Upper Class. That is coming up next. We'll put a link for you as well. And make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.