The Internet Came for Us . . . Here’s Our Response

Summary

Smart Money Happy Hour with Rachel Cruze and George Kamel Episode: The Internet Came for Us . . . Here’s Our Response
Release Date: April 3, 2025
Host/Author: Ramsey Network

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Introduction

In this engaging episode of Smart Money Happy Hour, hosted by Rachel Cruze and George Kamel, the duo delves into the challenges and criticisms they've faced online. Blending financial wisdom with humor and personal anecdotes, Rachel and George address both AI-generated roasts and real listener feedback, offering insightful responses and reinforcing their commitment to helping listeners achieve financial success.

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AI-Generated Roast: Taking the Heat

The episode kicks off with Rachel and George exploring the trend of roasting, particularly how Gen Z utilizes tools like ChatGPT to critique social media profiles. Embracing the challenge, they decide to have ChatGPT roast their own podcast, leading to a humorous and self-deprecating exchange.

Notable Quotes:

• George Camel [02:07]: “The Smart Money Happy Hour podcast is like a cocktail party thrown by accountants. You show up expecting fun, but instead you're debating Roth IRA strategies over mocktails.”
• Rachel Cruze [02:44]: “Stop it. Oh, my God.”

Both hosts react playfully to the AI’s critiques, showcasing their ability to handle criticism with grace and humor.

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Responding to Listener Critiques

Rachel and George then transition to addressing critical comments from their listeners. They emphasize the importance of financial discipline, such as eliminating debt and building emergency funds, while also acknowledging the harsh realities some people face.

Key Discussions:

• Debt and Investing: George defends their stance on debt management, explaining the necessity of prioritizing debt reduction before investing.

  • George Camel [05:31]: “That's right... debt is robbing you, literally.”
  • Rachel Cruze [06:27]: “Because debt is robbing you, literally. And for a lot of people, like, that's it now.”

• Building Wealth Without Inheritance: Contrading a negative comment claiming only 1% of Americans can build wealth through inheritance, Rachel and George present statistics showing that the majority of millionaires are first-generation, having built their wealth through personal effort.

  • Rachel Cruze [08:00]: “According to the U.S. Census Bureau, 65.6% of Americans currently own a home... 90% of millionaires today are first-generation wealthy.”

• Credit Scores and Financial Independence: They tackle misconceptions about credit scores, explaining that once debt is cleared, a credit score is no longer necessary.

  • George Camel [10:53]: “And I can tell you for a fact, I don't have one because I check once a year for fun.”

Notable Quotes:

• Rachel Cruze [05:08]: “I think about that for 0.2 seconds. Ugly jacket. And what do I do? Just keep moving.”
• George Camel [07:09]: “If you leave any comment on the Internet that isn't just, like, a positive cool you're not.”

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Listener Interaction: Rapid Fire Responses

The hosts engage in a rapid-fire segment where they respond to a series of listener comments about their financial principles. This section highlights their ability to succinctly address common financial misconceptions and provide actionable advice.

Examples:

• Separate Finances in Marriage:

  • George Camel [19:46]: “What do you say to them?”
  • Rachel Cruze [19:56]: “It could feel like it's working, but... we are all in together.”

• Financial Peace University Cost:

  • Rachel Cruze [20:39]: “Charging hundreds of dollars for Financial Peace University is hypocritical when you're telling people to save money.”
  • George Camel [20:45]: “Our content is 95% free... it's less than a hundred dollars and totally worth it.”

• Living on $100,000 in Metropolitan Areas:

  • George Camel [25:07]: “You can make it... depending on what lifestyle you're aiming for.”
  • Rachel Cruze [25:19]: “You can't live there... that was a hard reality.”

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Personal Stories and Anecdotes

Rachel and George share personal stories that illustrate their financial philosophies and challenges. These anecdotes make their advice relatable and underscore the importance of practical financial management.

Highlighted Stories:

• Rachel’s Experience with Her Son’s Injury:

  • Rachel Cruze [22:36]: “He's crying, but I'm sure it hurt... he broke his leg.”
  • This story underscores the importance of having an emergency fund to handle unexpected expenses.

• George’s Strategy for Handling Haters:

  • George Camel [33:57]: “I kill him with kindness... I think your photography is really great.”
  • This approach not only defuses negativity but also elevates positive interactions on social media.

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Conclusion: Embracing Reality and Financial Responsibility

As the episode wraps up, Rachel and George emphasize the importance of facing financial realities head-on. They encourage listeners to focus on what they can control—spending, saving, and investing wisely—while letting go of external negativity and distractions.

Final Thoughts:

• George Camel [28:19]: “What you can control is your money, the way you spend it, you taking on debt, the way you budget.”
• Rachel Cruze [28:50]: “They're not there. They don't have the energy. No.”

The hosts reaffirm their mission to provide actionable financial advice without shaming, fostering a supportive environment for listeners striving to improve their financial health.

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Key Takeaways

• Handle Criticism with Humor: Embrace and respond to negative feedback constructively.
• Prioritize Debt Reduction: Clearing debt is essential before focusing on investments.
• Build Emergency Funds: Prepare for unexpected expenses to avoid financial setbacks.
• First-Generation Wealth is Achievable: Most millionaires today have built their wealth independently.
• Credit Scores are Non-Essential Post-Debt: Once debt is eliminated, a credit score is less critical.
• Focus on Controllables: Concentrate on aspects of finances you can manage to achieve success.

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Quotes with Timestamps

• George Camel [02:07]: “The Smart Money Happy Hour podcast is like a cocktail party thrown by accountants. You show up expecting fun, but instead you're debating Roth IRA strategies over mocktails.”
• Rachel Cruze [05:08]: “I think about that for 0.2 seconds. Ugly jacket. And what do I do? Just keep moving.”
• George Camel [07:09]: “If you leave any comment on the Internet that isn't just, like, a positive cool you're not.”
• Rachel Cruze [08:00]: “According to the U.S. Census Bureau, 65.6% of Americans currently own a home... 90% of millionaires today are first-generation wealthy.”
• George Camel [10:53]: “And I can tell you for a fact, I don't have one because I check once a year for fun.”
• Rachel Cruze [19:56]: “It could feel like it's working, but... we are all in together.”
• George Camel [20:45]: “Our content is 95% free... it's less than a hundred dollars and totally worth it.”
• Rachel Cruze [22:36]: “He's crying, but I'm sure it hurt... he broke his leg.”
• George Camel [33:57]: “I kill him with kindness... I think your photography is really great.”
• George Camel [28:19]: “What you can control is your money, the way you spend it, you taking on debt, the way you budget.”

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Final Thoughts

Rachel Cruze and George Kamel deliver a compelling episode that blends financial expertise with personal stories and humor. By addressing both AI-generated and real listener critiques, they reinforce their dedication to helping individuals navigate their financial journeys with resilience and positivity. Whether you're battling debt, seeking to build wealth, or simply looking for relatable financial advice, this episode offers valuable insights and encouragement.

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If you enjoyed this summary, be sure to subscribe to Smart Money Happy Hour for more insightful episodes that blend financial wisdom with engaging conversations.

Transcript

[Rachel Cruz]

Foreign.

[George Camel]

To be roasted. The Smart Money Happy Hour podcast is like a cocktail party thrown by accountants. You show up expecting fun, but instead you're debating Roth IRA strategies over mocktails. Why are you lumping in Dave into this one?

[Rachel Cruz]

Hey, guys, I'm Rachel Cruz.

[George Camel]

I'm George Camel, and this is Smart Money Happy Hour.

[Rachel Cruz]

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.

[George Camel]

And before we roast each other. Well, not really each other, I guess our own advice.

[Rachel Cruz]

Yeah.

[George Camel]

That they roasted us on.

[Rachel Cruz]

Yeah, y'all roasters out there, let's talk.

[George Camel]

About what we're sipping on. This is the professor. And I guess because there's a doctor on the can. Hashtag not sponsored, but reach out to you, boy, if you're interested.

[Rachel Cruz]

Yeah, we'll take. We'll take the money.

[George Camel]

So if you're interested in this canned cocktail concoction. You like that. Play on words. We're going to give you our rating and reveal the cost per glass at the end of the episode. So stick around for that.

[Rachel Cruz]

I'll just say the aftertaste. Not great.

[George Camel]

Similar to roasting. I feel like. Not a great aftertaste.

[Rachel Cruz]

Yeah. I mean, but okay. Roasting. This is like, I feel like become more and more popular, especially, like, in the comedic world. I love watching famous roast of Tom Brady.

[George Camel]

That was a good one.

[Rachel Cruz]

Yes.

[George Camel]

Little edgy, family friendly, don't have the.

[Rachel Cruz]

Children around, but man.

[George Camel]

And recently, Nikki Glaser at the Golden Globes did a roast intro. Massive hit in the comedy world. Crushed it. And now Gen z is asking ChatGPT to roast their social media profiles. So a lot of iconic behavior. Everything's iconic in their world if they like it. Iconic.

[Rachel Cruz]

You know what? Say what you want about them. They can. They don't take themselves too seriously. I appreciate it. They don't get easily offended, at least.

[George Camel]

Not from AI If a human says anything bad about them different. But we decided to follow their lead and have some fun. So we asked ChatGPT to roast smart Money Happy Hour.

[Rachel Cruz]

Oh, what did it say, George?

[George Camel]

Here we go.

[Rachel Cruz]

Give us the read.

[George Camel]

Again, not my words. This is the robots. The Smart Money Happy Hour podcast is like a cocktail party thrown by accountants. You show up expecting fun, but instead you're debating Roth IRA strategies over mocktails. Hurtful, but it gets worse. Their quote happy Hour energy feels like you took one sip of wine and then decided to create a spreadsheet for fun. Where's the chaos? The oversharing that makes happy hour legendary. This vibe of this quote cocktail hour is so sober, you could deduct it on your taxes as a business expense.

[Rachel Cruz]

Stop it. Oh, my God.

[George Camel]

In conclusion, this show needs to loosen up, pour a real drink, and tell us about a $600 air fryer impulse purchase. Now, that would be relatable.

[Rachel Cruz]

Wow.

[George Camel]

First of all, who has the gall, the audacity, AI.

[Rachel Cruz]

Unbelievable.

[George Camel]

But honestly, other than it being wrong, I think we are a fun show. They're kind of right.

[Rachel Cruz]

Yeah.

[George Camel]

You bring the party, I bring the accountant.

[Rachel Cruz]

It's not his accountant. That's so silly. That's not true.

[George Camel]

We're cooler than most accountants.

[Rachel Cruz]

So offended. Okay, well, I did this for you, George.

[George Camel]

What'd you do?

[Rachel Cruz]

I put in your YouTube channel. This feels a little too specific. I know. Are you ready for this?

[George Camel]

Okay.

[Rachel Cruz]

George Camel's YouTube channel is like the financial version of a kale smoothie. Packed with nutrients, but could use a little more flavor.

[George Camel]

Why is that so on brand?

[Rachel Cruz]

I know. And then you're ready for this one. The Millionaires in Cars Getting Coffee series is like watching a budget friendly remake of Jerry Seinfeld's show. But fewer laughs and more Excel docs.

[George Camel]

Oh, my gosh. That is.

[Rachel Cruz]

Did you do mine?

[George Camel]

That is so harsh. I did not.

[Rachel Cruz]

You did not?

[George Camel]

I didn't know you could handle it, so I avoided it.

[Rachel Cruz]

I could have handled it. Oh, man. We'll see.

[George Camel]

That does hurt. And you know what? To be fair, I don't use Excel. I'm a Google Sheets guy. All right.

[Rachel Cruz]

You are very kale smoothie esque. That was pretty fun.

[George Camel]

I haven't had a kale smoothie since I can. Who's ordering a kale smoothie on purpose?

[Rachel Cruz]

You don't know what's in there. Just turns green.

[George Camel]

They don't feature that for obvious reasons.

[Rachel Cruz]

I don't think so. Just like we don't feature you for obvious reasons.

[George Camel]

Rightful but true. I feel like this whole episode was made just to roast me.

[Rachel Cruz]

I'm kidding, George. You make this so.

[George Camel]

Hey, a little self reflection can hurt. I can take the joke. Yes.

[Rachel Cruz]

We can take the heat, y'all. It hurts a little bit, but we can take it.

[George Camel]

We can do this. So our team compiled a list of the most critical comments about our money teachings, and we're gonna read them aloud and defend each other. Co hosts don't leave co hosts in the hands of angry keyboard warriors.

[Rachel Cruz]

No.

[George Camel]

Which can I just say, if you leave any comment on the Internet that isn't just, like, a positive cool you're not. Okay. If you're actually not.

[Rachel Cruz]

I will always say this because you know what? I see things on the Internet. A girl that I follow, an influencer, she has an ugly jacket. But guess what? I think about that for 0.2 seconds. Ugly jacket. And what do I do? Just keep moving. Why would I feel the need to.

[George Camel]

Tell her, comment, that's an ugly.

[Rachel Cruz]

I mean, seriously, you think about that. Like, who does that? It's really. It's hurt people. Hurt people.

[George Camel]

That's what it is.

[Rachel Cruz]

It is. So go find healing. Go be a whole person who does you.

[George Camel]

Beautifully said.

[Rachel Cruz]

Very sad. That's our roast to you, roaster.

[George Camel]

The roast of the roast.

[Rachel Cruz]

All right.

[George Camel]

Okay, George, here's an investing critique. Someone felt this about me. This is a real comment. Imagine being so out of touch that you not only assume people have $1,000 a month to throw in a lockbox of savings that can't be accessed for 30 years, but you also assume you can get a 10% rate of return over those same 30 years. Delusional. I assume. That's how they sound.

[Rachel Cruz]

It feels, right. Because here's the deal. Average car payment right now in America for a new car, it's like $732. So yikes.

[George Camel]

And that's just one piece of debt that they may have.

[Rachel Cruz]

One piece of debt. Yeah. That's always going to come back as my, like, comeback of, like, okay, well, what are we paying out in payments versus paying ourselves?

[George Camel]

Yes.

[Rachel Cruz]

Because debt is robbing you, literally. And for a lot of people, like, that's it now. A thousand dollars a month. Yeah. That can feel like a lot. Right. But again, when you look at the average stats of the average American and you cut out the debt and actually get out of debt, you're gonna have that money freed up.

[George Camel]

That's right. So we're not assuming anything here. You know, I. I know people don't have a bunch of extra cash laying around to invest, and that's why it's step four in the Ramsey baby steps. Get out of debt. First, get your emergency fund. That will free up those payments that you're putting to lenders, and instead, you can put it in the stock market.

[Rachel Cruz]

And the 10% rate of return. I will come to that for you all the time.

[George Camel]

Thank you.

[Rachel Cruz]

We h. Okay. And again, the market is different every year.

[George Camel]

Where are you getting 10% every year?

[Rachel Cruz]

Rachel funds you guys 18% last year. 18%. And we've saved 12% sometimes. And everyone's like, oh, my God.

[George Camel]

I'm like, well, if you look at the S&P 500, the top, you know, largest 500 companies based on market cap, the S&P 500, which represents the overall U.S. stock market returned 23% last year.

[Rachel Cruz]

Yes.

[George Camel]

So you're like, where are they getting this? I don't know, just the general stock market.

[Rachel Cruz]

Just facts. Just like what's happening out there.

[George Camel]

And that's if you just track the stock market.

[Rachel Cruz]

And again, some years it's not as great. Right. Like it's.

[George Camel]

Some years it's negative 22%.

[Rachel Cruz]

It goes up and down. It goes up and down.

[George Camel]

I guess we need to explain how an average works over a 10, 20, 30 year period of time. You can take the average annualized return, which is 10 to 12%. There you go. And then it's not a locked vault. I don't like this idea. You can't access it for 30 years. Yes. There's retirement money. We want you to live in the meantime. You can also invest outside of that. You can save up for purchases. But what are you investing for other than the long term?

[Rachel Cruz]

Yep.

[George Camel]

So I don't know. I don't know how to make you happy. I wish I knew.

[Rachel Cruz]

All right, here's a comment I got reality check. Only 1% of Americans will ever be able to build wealth, and it's because they've inherited it.

[George Camel]

Oh, wow.

[Rachel Cruz]

So this stat, if it was correct, that would be very depressing. If only 1% of America could win with money, that would be very depressing. But that's not true.

[George Camel]

Yeah, that's saying one out of every hundred people will build wealth only because of inheritance. Everyone else will remain broke for the rest of their life.

[Rachel Cruz]

So According to the U.S. census Bureau, 65.6% of Americans currently own a home, which is a big deal because your home is adding to your net worth. The Federal Reserve said that more than half of Americans have retirement accounts. And as Of November of 2023, employment in America reached an all time high of 161.9 million people working. And we know that nine out of ten millionaires today, 90% in America are first generation wealthy. Like they became millionaires because of themselves, not because.

[George Camel]

Not because of inheritance.

[Rachel Cruz]

So it's actually the opposite of what this person's saying.

[George Camel]

Clearly this person's hurt and they feel like they can't build wealth themselves. Back to the hurt people. Hurt people. I wish I could just hug them and say, hey bud, we're gonna show you how to build wealth.

[Rachel Cruz]

You can do this.

[George Camel]

You might be the first in your family.

[Rachel Cruz]

And I'll say this, our approach, I will always say it does take levels of sacrifice depending on where you are. It's hard, right? I mean, the life is expensive, right? I'll say that, too. That caveat. And this process is over a long period of time. It is not something that, like, oh, my gosh, you're 28, and suddenly when you're 32, everything's gonna be great and dandy. No, this is. You're building wealth over the long term. So it does take a level of patience. And it's not as exciting and flashy, but it's steady, which is what we want.

[George Camel]

Here's another one. Who cares about building wealth if all my personal info gets stolen online anyway? This is actually a very valid comment from Janice.

[Rachel Cruz]

I think so. Very relevant in today's world.

[George Camel]

Yeah. This is an easy answer. Delete me. Okay. This will protect you. Online, they find and remove your personal info from all these data broker sites who sell it for a profit so that you can have some peace of mind, sleep easy. And reduces the risks of scam and fraud.

[Rachel Cruz]

Yes. Because so much of our life is online right now, you guys. I mean, almost everything we do, we're online, we're filling out forms, and we're just doing so much, whether we're buying or we're banking or whatever it is. And so making sure your personal info is off the Internet. You do not want people to make money off of you and your information. That's what they're doing. They're literally buying, selling your data, and it's, like, not great. So get your data off the Internet with delete me.

[George Camel]

Check it out. Go to joindeleteme.com smartmoney and you'll get 20% off any of their plans. And I love this. It saved me 77 hours already in my report. It shows me how much time I've saved. Feeling pretty good about that. And I just got my parents on delete me, and they are loving it, too. I'm trying to protect the boomers I love.

[Rachel Cruz]

You know what I mean? Such a loving son.

[George Camel]

You got to look out for them.

[Rachel Cruz]

Such loving son.

[George Camel]

All right, here's one about credit scores.

[Rachel Cruz]

Ooh.

[George Camel]

You and Dave Ramsey probably have a 500 credit score. Debt isn't a bad thing, especially if you need to build credit.

[Rachel Cruz]

I love your. Okay, the way you're reading these, why.

[George Camel]

Are you lumping in Dave into this one? Number one guarantee you Dave doesn't have a credit score because he doesn't have debt, which is All a credit score manages. And I can tell you for a fact, I don't have one because I check once a year for fun.

[Rachel Cruz]

Oh.

[George Camel]

It's one of my only hobbies.

[Rachel Cruz]

Good for you.

[George Camel]

I just go, yeah, let's see if I still don't have one. Okay, cool.

[Rachel Cruz]

Keep on going. Keep on going.

[George Camel]

So here's the truth. People need to understand. Once you pay off all of your debt, you have no open lines of credit. You pay off your mortgage, your credit score eventually disappears after about six or 12 months.

[Rachel Cruz]

Yep. And it's. Yeah. They can't determine it is what it is. So they. They can't pull it. They're like, oh, there's no information here for it. And you're going to live life and be totally okay. Yes. Your credit score will be pulled for certain things in life. They might be maybe a job interview, sometimes for insurance, like those kind of things. And all you have to say out loud is, oh, I don't have a credit score because I don't borrow money. And usually if you're talking to a human, it's great. And then you can actually still get a house without a credit score. That's one of our biggest pushbacks through manual underwriting. And so it is possible to get a mortgage because it's the one type of debt we won't yell at you for.

[George Camel]

And I have actually done this, so don't come at me with but the rates. No, you don't know because you've never done it. Okay, so maybe listen to a guy who actually did it who can tell you it's not that difficult. And the terms were equal to someone with a great credit score. Yes, because I did a 15 year mortgage with 10% down. At least. And you're going to have great interest rates and great terms.

[Rachel Cruz]

That's good. Are we feeling a little feisty?

[George Camel]

I am a little feisty.

[Rachel Cruz]

I feel like we need to take a breath. George, together.

[George Camel]

All right, let's defensive.

[Rachel Cruz]

Yeah. We don't be as defensive. I think everything's fine. We have a great life.

[George Camel]

I just. It's because I wish they knew what I knew. Oh, it's out of love.

[Rachel Cruz]

What a sage you are.

[George Camel]

Thank you.

[Rachel Cruz]

If only everyone had my knowledge in life, everything would just be better. George. George Camel.

[George Camel]

Not the roast of George Camel today, but thank you. That's true.

[Rachel Cruz]

Oh, my God. Okay, I'm gonna have fun with this one. Get this. Oh, no, wait. This is about George. Oh, man.

[George Camel]

Oh, good. They couldn't find any more mean comments.

[Rachel Cruz]

To Rachel comment About George. Oh, this is funny. Here we go. Get this kid off drugs. Does he even know how much things actually cost today? Wow, George, get off your drugs.

[George Camel]

You're talking to a guy who knows prices like the back of his hand. And if by drugs, do they mean vitamin A, vitamin B complex, vitamin C, vitamin D? Yeah, cuz I'm on those. Might even throw fish oil in there. Get those omegas. Come at me, bro. You think I medicate? You should see me off my supplements. That's all I have to say about that. Okay, so does he even know how much things actually cost today? Yes, I do.

[Rachel Cruz]

You do, George, you do.

[George Camel]

But what I won't stand for is people complaining all the time about how everything costs so much and yet they're unwilling to do anything about it, to cut their spending where they can, to control the controllables. Listen, I shop for eggs. I know what my eggs cost. I know what stores have the better egg prices. Do your research. And if you can't afford it, don't buy it. Find the best alternative you can within your budget.

[Rachel Cruz]

Yes, I have something to say.

[George Camel]

Lady in the gray sweater.

[Rachel Cruz]

You know what I think? I think this person. I'm going to just, like, take a stab at this. Because, you know, on the Internet, this is all Internet, right? That we're living in here. And I think some people, because I know accounts out there that just complain, and the accounts are like, oh, my gosh, in 1983 and now today, how are we supposed to. And that's all video.

[George Camel]

That was a perfect summary of every one of those videos.

[Rachel Cruz]

And all they do is just that, like, that's it. That's. That's their whole account is just that.

[George Camel]

The movie theater was 50 cents back in the day. Now it's 15 bucks. How was anyone supposed to go to.

[Rachel Cruz]

The tuition was $53, and now it's 59,000. Like, how are we, you know, whatever, whatever. Like. And that's all the accounts are. Facts are correct. Like, it's. It's fine. But again, all they're doing is just, like, stating the facts and then that's it. And I think some people love that world. They want to sit in the.

[George Camel]

In the problem.

[Rachel Cruz]

Here's the. Here's the problem. And now we're just gonna complain and just, you know.

[George Camel]

And if you offer up any solution that requires any level of sacrifice. Screw you, man. It's hard times out here.

[Rachel Cruz]

Yeah, yeah, yeah, yeah. So I think this, our entire job.

[George Camel]

Is to try to give solutions to problems, right? So it's called Ramsey Solutions, not Ramsey Problems. That'd be a terrible company.

[Rachel Cruz]

Such a bad company. So, yeah, I think this. I think that comment about you, George, is somebody that would like an account that just complains.

[George Camel]

Yep.

[Rachel Cruz]

And when you give a solution, they don't like them.

[George Camel]

Oh, finally a comment about Rachel. Oh, well, can you handle this one?

[Rachel Cruz]

Maybe. So with my Dr. Pepper, this one's pretty light.

[George Camel]

Honestly, this has to do with a call that you and Ken Coleman took on the Ramsey show regarding a Taylor Swift concert.

[Rachel Cruz]

Oh, yeah, yeah, yeah.

[George Camel]

No way. I would have gone to the Taylor Swift concert, sell those tickets, and keep moving with the baby steps, no matter what.

[Rachel Cruz]

Wow, Dave.

[George Camel]

Yeah. Is that Dave Ramsey chiming in with his burner account? So can you explain what you told the person on the call and what the context was?

[Rachel Cruz]

Okay, yeah. So that call, if I can remember correctly, was a mom that called in and she had given her daughter Taylor Swift tickets. And this was during the heyday. So the mom gave the daughter tickets, and now the mom's calling and was like, should the daughter sell the tickets? Because she could make, like, a crazy amount of money because of resale. Yes. And pay off her debt with them. So our take was, that's up to your daughter. Like, if your daughter called and said, I have these tickets, Should I sell them? We could give you our opinion on that. But as the mom, you already gave the gift. Like, there's nothing you can do about it. Like, you can't tell her to sell them. And so we gave them permission to, like, go because the daughter really wanted to go to the concert. So we're like, let her go to the concert. And a lot of people were like, yeah, not happy with that.

[George Camel]

She should have sold it and paid off the debt.

[Rachel Cruz]

Yes. And I think this is a classic example of opportunity cost. Because you do think. Because I think she could have told. I think she could have sold all the tickets for, like, 15 grand or something crazy. I mean. Right? And so you take that amount of money, go have a great night for five, six hours, which was a wonderful night. The air steer was, you've done this.

[George Camel]

Twice, so you can vouch.

[Rachel Cruz]

It's really good. So that. Or if you had debt, how long would it take you? How many hours would it take to work to make 15 grand? And that's a lot of hours, hundreds, a lot of nights, a lot of days. And so do you give the opportunity costs? Right. So some people would say, absolutely. Why would you. Yeah, I don't want to work all that extra time. To pay off this debt. I could get this gone, you know, in a second with the sell the sale of these tickets. But then also, you don't want to miss once in a lifetime event. What do you do, you know? So I think it's all about if you want to have fun in life or not.

[George Camel]

George and Rachel is the first person to tell you, have fun in life. Go enjoy your life and pay for quality experiences that will make memories.

[Rachel Cruz]

But getting out of debt, though, I do think from a long term perspective, helps build your life in a better way.

[George Camel]

And from a math perspective, you're like, this is crazy to not do. To not sell the tickets and get this much money and you made all this profit. But you can't look at it as a business transaction. You know, you bought the tickets in order to provide an experience for your daughter.

[Rachel Cruz]

Right.

[George Camel]

Not to create a spread to get out of debt.

[Rachel Cruz]

Totally. That's right.

[George Camel]

And that's my take as a guy who would tell you, sell them.

[Rachel Cruz]

Sell em.

[George Camel]

All right, let's do some rapid fire here. We have critiques of the Ramsey principles from time to time. And so we're gonna take turns reading. The other has to respond in two sentences or less.

[Rachel Cruz]

Okay, but first, besides the heiress tour, what? We're just talking about something else that I have zero regrets on. Buying cozy earth products.

[George Camel]

100% love. That's an experience in and of itself, y'all.

[Rachel Cruz]

Can I just say, when you have clean sheets, it's one of my favorite days. When you, when you wash your sheets, you know you have, and it's your bed's remade. It is like the best feeling. And it's even better when it's cozier sheets.

[George Camel]

It's giving fancy hotel energy when you crawl into them.

[Rachel Cruz]

I mean, you literally feel like you're on vacation or something. Like, you go in, you're like, oh, my gosh, I cannot believe this is my bed. I love him. Obsessed. Love the pajamas. They're some of my favorite pajamas that I own and everything from, like, I have a shirt. I have joggers. I have like these, like, lounge pants. I have a robe. You've got the whole collection. I know. I bought a lot from them.

[George Camel]

And the blanket, the epic blanket.

[Rachel Cruz]

Yes, ma'am, that is an epic blanket for sure. But it's great. So Cozy Earth products, they are amazing and worth every penny.

[George Camel]

So check it out. They're giving our listeners and viewers up to 40% off a steep discount. If you go to cozyearth.com sm money and use the promo Code smart money at checkout. We'll drop a link in the description as well.

[Rachel Cruz]

All right, let's do some rapid fire, George.

[George Camel]

Here we go. Here's the comment.

[Rachel Cruz]

Okay, here.

[George Camel]

You and your spouse can be on the same team while still not combining finances. My husband and I have had separate accounts for 10 years, and it's working just fine.

[Rachel Cruz]

What do you say to them? Yeah, I mean, I would say it could feel like it's working, but there is an element of your relationship that you're not fully on board together. You're just not. I mean, it's like we're have two completely different parenting styles and choose to parent our kids differently. And it's like you have to be on the same page. And so combining your accounts is a tactical way to show that. But ultimately, what it's doing, it's like the ultimate trust in each other of saying, no, we are all in together. This is our life together. Not your life, my life. It's our life. And it's so much better that way. Marriage is so much more fun when you feel that versus, like, eh, you pay that bill, I pay this bill.

[George Camel]

What you're saying the goal shouldn't be just fine? That's how my marriage is going, Rachel. It's a sign we're doing real well.

[Rachel Cruz]

That's right.

[George Camel]

Everything's just fine. Thanks for asking.

[Rachel Cruz]

Just fine. All right, George, you ready for this?

[George Camel]

Okay.

[Rachel Cruz]

Charging hundreds of dollars for Financial Peace University is hypocritical when you're telling people to save money.

[George Camel]

Oh, wow. Okay, coming at us. First of all, 95% of our content, including this show, completely free. And so when we take a bunch of information, package it, have a team around it, things cost money. All products and services cost money. And it's not hundreds of dollars. It's less than a hundred dollars. And it's totally worth it if that course gets you out of debt, changes your family tree, changes your life, helps you build wealth. It's the same reason people pay for a gym membership or for a personal trainer. Yeah, I can walk around the neighborhood and I might make some progress, but it's very different when someone teaches me exactly how to do the workout, is they're showing up with accountability over a period of time. That, to me, is worth every penny for sure.

[Rachel Cruz]

And I would say when you pay for stuff, you're more likely to do it. I mean, that's real. I think that's real.

[George Camel]

Here's one. Here's your turn to respond, Rachel. Here's the comment. Absolutely no Sympathy for emergencies. What are we supposed to do when a kid breaks an arm? How cruel are you, Rachel?

[Rachel Cruz]

Wait. Why don't I have sympathy for emergencies? I don't understand. Does I tell you to save for them?

[George Camel]

This is the comment.

[Rachel Cruz]

Because I tell them to save for emergencies.

[George Camel]

I guess it says absolutely no sympathy for emergencies. So what are you supposed to do when a kid breaks an army?

[Rachel Cruz]

Well, yeah. Take them to the hospital.

[George Camel]

It's good first step.

[Rachel Cruz]

Yeah, you're crushing it. Make sure everything's fine. And then, yeah, you'll get a medical bill. And if you have your thousand dollar emergency fund in place, is what we say. And if you're getting out of debt. Pause the debt. Snowball. Save up the money. And you pay the medical bill.

[George Camel]

Yes. And hopefully you have insurance to where.

[Rachel Cruz]

This is not going to help you. Right.

[George Camel]

Maybe you'll pay 20% of that bill, not 100%.

[Rachel Cruz]

That's right. Yep.

[George Camel]

And you've had, I mean, sweet little Chuck Cruz. Didn't he break his leg?

[Rachel Cruz]

Chuck Cruz? Charles.

[George Camel]

I call him Chuck. It's his aspirational name.

[Rachel Cruz]

He did. He broke his leg, y'all.

[George Camel]

And what did you do?

[Rachel Cruz]

Have we talked about this on the show? That I am not a good, like, medical mom. Like, I, like, see things like, y'all are fine. You're fine.

[George Camel]

You told him he was totally fine to suck it up.

[Rachel Cruz]

I didn't say suck it up, but I was like, he's fine. Winston had to convince me he's not fine. And sure enough, he was not. He broke his leg.

[George Camel]

So you thought, oh, you just feel a little sprain. You'll be all right, buddy. Get up.

[Rachel Cruz]

Just that when he was 2 years, 2 and a half years old. So I was like, he's fine. He's crying, but I'm sure it hurt. He fell off the slide. That hurts. And then Winston's like, he's not walking. I was like, we'll just give it a minute.

[George Camel]

Winston is like a human WebMD. The man is a genius. I see a kid not walking and go, maybe that kid's not okay.

[Rachel Cruz]

Yeah.

[George Camel]

Rachel says, pull yourself up by your bootstraps.

[Rachel Cruz]

I know. I was like, he'll be fine. And then staples in the back of the head for Amelia. And I didn't take her in either. And then once they got home, he's like, babe, this is really deep. I was like, is it Winston? Winston. I'm terrible. I just don't know when things are like, an emergency. Yeah.

[George Camel]

I think you should stop assessing medical emergencies and just Go ahead and call Winston immediately.

[Rachel Cruz]

I know, I know. I want to say those were the only two. You know what I don't do? Maybe this is my skin thing. Rashes.

[George Camel]

You don't do rashes.

[Rachel Cruz]

I always take pictures of rashes. We'll always call the doctor for rashes.

[George Camel]

Well, that's your one thing.

[Rachel Cruz]

Yeah.

[George Camel]

Broken leg. You're like, you're probably fine.

[Rachel Cruz]

Yeah, yeah.

[George Camel]

Little rash.

[Rachel Cruz]

You're like, no bones and blood fevers and like, y'all are fine. A rash. What's this thing?

[George Camel]

And you don't. You're not touching it. Just a phone.

[Rachel Cruz]

No. I'm all in there.

[George Camel]

Zooming in with a three year.

[Rachel Cruz]

I'm all in there. I'm a mom. I'm all in there stuff. Don't throw up. Do it all. It's great. I'm all in there.

[George Camel]

Respect.

[Rachel Cruz]

But I do freak out over that stuff. Not freak out, but I am. Like, I don't like that.

[George Camel]

That's when you Google it.

[Rachel Cruz]

Yeah.

[George Camel]

Terrible dangerous game.

[Rachel Cruz]

Oh, man. Why are you. Why are you so terrible with emergencies?

[George Camel]

I would never.

[Rachel Cruz]

Why are. Why. Why do you have no sympathy for emergency?

[George Camel]

I have all of the sympathy. But I think, I guess if we wanted to, you know the thousand dollar emergency fund we get flack for because people say it's not enough.

[Rachel Cruz]

Yeah.

[George Camel]

It wasn't enough 30 years ago when Dave Ramsey came up with this. And the reason he did it was because he was telling people immediately, go get out of debt. Go get out of debt. They'd have one little ankle biter emergency and it would throw them off course from getting out of debt.

[Rachel Cruz]

Yep.

[George Camel]

So he decided, well, we need some buffer between you and life that can cover the little things, not the big things. So if there was a big thing over 1,000 bucks. Pause. The baby steps. Stack up cash. Sell whatever you can.

[Rachel Cruz]

Yep.

[George Camel]

But the truth is, most people don't have ten grand laying around that we're telling them to throw a deb.

[Rachel Cruz]

The truth is, if you wanted to save up three months before you started getting out of debt, it would take you so long. Like, there is something to be said about, like, just getting quick win. Get to it. Like we're. Snap, snap.

[George Camel]

Thank you. Well said.

[Rachel Cruz]

All right, next, George. Last one. Try living in any metropolitan area for just $100,000. Budgeting is impossible if the income isn't high enough.

[George Camel]

Can I say this, please?

[Rachel Cruz]

Yes. So you can't afford to live there.

[George Camel]

Living whatever life you want in New York City. $100,000. I don't think you can do whatever you want.

[Rachel Cruz]

And I don't think you may. You may not be able to afford it.

[George Camel]

Yeah.

[Rachel Cruz]

So you can't live there. Like, do you know what I mean? Like, that was like a hard reality. That's what we had to learn. It's like when we moved, it was like, okay, yeah, what do you like? When we moved to Nashville, it's like, what area of the world.

[George Camel]

In the Constitution, it says you can live in any city you want and money won't be an issue.

[Rachel Cruz]

I know.

[George Camel]

It's my American right.

[Rachel Cruz]

Man. Why am I getting all sassy? George?

[George Camel]

Little Miss Defensive Ranch. I love this energy. No, but the truth is now, could I figure out how to live anywhere on $100,000? Absolutely. It might take having two roommates. I was going to say living further out of town.

[Rachel Cruz]

Yeah, yeah. It would be a tough.

[George Camel]

And not eating out and going out and living the lifestyle in the metropolitan city.

[Rachel Cruz]

Yeah.

[George Camel]

So you can make it. Let me tell you, go to New York City, a lot of people don't make $100,000, and they're making it now. What I will say, if you're strapped with debt payments and trying to live this lifestyle, you're never going to make it. No matter how much you make, you can lifestyle creep your way out of it. But if you can get out of debt, have an emergency fund, you can learn how to live off $100,000. I mean, that is a great salary even in today's world. And you can make that work depending on what lifestyle you're aiming for.

[Rachel Cruz]

We are finding that people are moving out of big cities and going to more like suburbans outside so that they can enjoy their life more. And I will say it, not to throw them under the bus, Louisiana. We get a lot of calls on the Ramsey show that are Southern California. And people are moving out of control because they can't enjoy life because it is so expensive.

[George Camel]

So people do find taxes just crush you over there. Versus Tennessee. No state income tax.

[Rachel Cruz]

Yes. So there is this point of, like, we're gonna choose to move somewhere different, maybe make the same amount. Cause it's a remote job, but we have more money, higher quality to use to, like, go do stuff and have fun. Like that is. That's true.

[George Camel]

So rarely are you stuck where you are. You can move. I have moved across the country to be here. And so I'm telling you, you're not stuck where you are. You have to make a choice that's right for you.

[Rachel Cruz]

Yep. So I think some of the takeaways are. It's easy to get defensive, as George and I displayed on today's episode, but also defensive. Just about the reality of life. The advice sometimes. But there is a. There, like, there's a part of being an adult, George, with money that, like, you just kind of have, like, rubber meets the road. Like, we don't. Don't get to, like, live.

[George Camel]

Like, what we do is we show people reality. And sometimes the reality of their situation hurts to look in that financial mirror. But we're doing that so that we can take you to where you want to go.

[Rachel Cruz]

That's right.

[George Camel]

Not to just shame you. So I think you have to drop. There's a lot of shame and baggage that comes with a lot of these comments. The context we don't have, which is, well, I grew up a certain way. I made mistakes. I feel like I'll never climb out.

[Rachel Cruz]

Of this and have a hard situation. Right. Sometimes life just deals you a really hard deck. And that is true, too. Yeah. I don't know. I think one of the biggest things early on is that mindset shift to, all right, I'm going to grow up, face reality about my money, and figure it out.

[George Camel]

Here's my final thought. A lot of the comments have to do with things that are outside of that person's control. And let me tell you, it is easy to get angry about things that are outside of your control. That's most of life, most of the world. The people who win, the people who have success, the people who have happiness. Focus on what they can control, which is a very short, simple list. What you can control is your money, the way you spend it, you taking on debt, the way you budget. All of those things are in your control. And I find those people aren't in the comment section. They're too busy living their life.

[Rachel Cruz]

They're not there. They don't have the energy.

[George Camel]

Yeah.

[Rachel Cruz]

To comment there. No. No. Well said, though, George. Well said.

[George Camel]

Thank you.

[Rachel Cruz]

All right, before we get to guilty as charged, tell us about the old professor.

[George Camel]

The Professor. I think I'm. Am I closer? I'm over halfway.

[Rachel Cruz]

No, I still have half.

[George Camel]

Okay. I might be beating you on this one. What rating would you give the Professor?

[Rachel Cruz]

Six out of ten.

[George Camel]

Five. I was gonna go five.

[Rachel Cruz]

Yeah.

[George Camel]

It's a five out of ten for me. I've had much worse.

[Rachel Cruz]

Yep.

[George Camel]

And here's what I'll say about this drink after I give you the ingredients, which is a can of Dr. Pepper. You need the can. I don't know how much Dr. Pepper is actually in here because clearly some was emptied out to make the drink. It's got whiskey, rum, cherry liqueur, and lemon juice.

[Rachel Cruz]

Oh, okay.

[George Camel]

All up in there. And so the drink comes out to $6.60. Good night. Because there's a lot of ingredients, including multiple alcohols.

[Rachel Cruz]

The professor, the doctor. Getting a doctorate is expensive.

[George Camel]

There we go. The drink is expensive drink. I think we've come full circle now.

[Rachel Cruz]

All the way around.

[George Camel]

This drink went to med school and it wants you to know. So There you go. $6.60. If you are feeling risky, you can make the drink. And fun fact, you can take a can opener and remove the entire top of the can to make this drink. I did not know you could do that. I wasn't on Pinterest enough to learn.

[Rachel Cruz]

Learn something new every day.

[George Camel]

So. Yeah. The drink recipes in the show notes. Give it a try this weekend. If you're a fan of Dr. Pepper. I think it tastes like a. Like if a chick fil. A drink got watered down with all the ice and then you just kind of poured some booze in it and went to your kid's soccer game.

[Rachel Cruz]

Okay.

[George Camel]

Very specific scenario. I know you've been there. That's the energy it's giving George.

[Rachel Cruz]

No, that's funny, though. Funny take. I appreciate that.

[George Camel]

Do you go to all this other games? I'm just curious.

[Rachel Cruz]

Yes, yes.

[George Camel]

You're a great one.

[Rachel Cruz]

You know, they're fun. I want you to know we will. We dog on kids sports a lot. They are fun.

[George Camel]

Do you get into it? Are you the mom yelling on the side?

[Rachel Cruz]

I'm a yeller, but I'm an crowd. I'm an encouragement.

[George Camel]

Okay.

[Rachel Cruz]

There's some. There's. There's.

[George Camel]

I will say two types of loud moms.

[Rachel Cruz]

This may be too fresh because it's currently happening as we're recording this, like in my life, there are certain. There are yellers at the refs. Parents, which we don't need to yell at the refs. And then you got the. You got the parents critiquing. Get open. Get. You know, they're yelling. You know what I yell. Good job, girls.

[George Camel]

Let's go, Cheetahs. That's so cute.

[Rachel Cruz]

The golden Cheetahs.

[George Camel]

The golden Cheetahs.

[Rachel Cruz]

They name themselves. Anyways, that's my. I'm a yeller. But it's always positive. Oh, yeah. I'm like, girl, this. Great pass. Great pass.

[George Camel]

Are there really parents just yelling at the refs?

[Rachel Cruz]

Oh, double team ref. That's a double team. They're nine.

[George Camel]

They're Nine years old also, they should be the ref. Can't anyone do this? Pretty much, no.

[Rachel Cruz]

They hire, like, Well, I say legitimate. No, I think you do have to.

[George Camel]

Have, like, some training. I'm not saying, hey, the refs are great. I'm just saying these are not, like, professional sports refs.

[Rachel Cruz]

No, but they're not parents.

[George Camel]

Yeah.

[Rachel Cruz]

Like, they legitimately, like. Yeah, they're calling, but I've heard it's.

[George Camel]

A good side hustle, which is why I asked.

[Rachel Cruz]

It is.

[George Camel]

People can jump in and become a ref. Oh, for sure. Get paid, you know, I don't know, 50, 75 bucks a game.

[Rachel Cruz]

Yeah. And y'all, it is so fun. I love it.

[George Camel]

Can't wait.

[Rachel Cruz]

I know.

[George Camel]

I'll be there.

[Rachel Cruz]

You will. You really do.

[George Camel]

I'll be the.

[Rachel Cruz]

And do the wreck. I'll go on the John Deloney rant. Like, you don't have to go travel sports crazy.

[George Camel]

Yep.

[Rachel Cruz]

But just like having some competition for the kids where they're part of a team, I mean, it is so. It's so sweet. And the girls impartial, but they're so.

[George Camel]

I would be cute. Yell, screaming, encouraging those skirts on their.

[Rachel Cruz]

Little bows and they're just dribbling down the court. It's adorable.

[George Camel]

Doing the most, I would encourage only because I don't know what's going on in the game to even have any. Like, what's one sport?

[Rachel Cruz]

Me. You hope. Me, A place. If you had to pick one, I know you wanted a skateboard.

[George Camel]

None of them, honestly. I mean, the one that damages your body and self esteem the least. Is that fair to say as a girl, dad, Is that fair? That's honest. Okay, well, like ballet. I've heard, like, your feet are gonna get mangled doing ballet like that. It will destroy you. And you're like. The way you have to keep your body like that just worries me.

[Rachel Cruz]

Yeah, that's a lot of pressure, you know?

[George Camel]

Yeah. My wife did. She was, like, on the Arkansas cheer team, Palm squad. So, like somebody that's like dance, but not. You're not getting, like, thrown 80ft in the air.

[Rachel Cruz]

Okay.

[George Camel]

So very, like, safety. Yes.

[Rachel Cruz]

Okay.

[George Camel]

That would be something I'm okay with.

[Rachel Cruz]

No soccer?

[George Camel]

No, soccer is probably the best. I feel like there's. I mean, basketball, maybe. I don't see her being a baller just based on height and athletic ability. I think she's going to be more of a violinist or something, you know, more in the creative, artsy world.

[Rachel Cruz]

I love that.

[George Camel]

But, hey, anything goes. Anything goes.

[Rachel Cruz]

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

[George Camel]

All right.

[Rachel Cruz]

Have you ever responded to a hater?

[George Camel]

When? Today? Yesterday, Four minutes ago. I think I responded while I was sitting here. I do this way more than Rachel. A recent one. Okay, let me give you a good story quick and then a bad story.

[Rachel Cruz]

Oh, I love it. Love George. Hater stories.

[George Camel]

Good story. I decided this new strategy where I kill him with kindness. So this person I don't know blasted me in an Instagram comment. So here's what I do. I go to their profile to see if there's anything interesting I can talk about. And they were a great photographer. Like, I was genuinely impressed by their photography skills. Yeah, beautiful photos. So I just responded with, hey, just so you know, I think your photography is really great. To their very negative comment.

[Rachel Cruz]

George.

[George Camel]

So what happens is the algorithm, because people started replying to that, it started pushing it to the top.

[Rachel Cruz]

Yeah.

[George Camel]

So at the very top of this post was their negative comment, followed by my super positive.

[Rachel Cruz]

And you look so kind.

[George Camel]

And I look like a hero. I am an amazing. I mean, give me a medal of honor for that performance. It was just.

[Rachel Cruz]

And there are people like, George, you're so great.

[George Camel]

Yes.

[Rachel Cruz]

Did you love it?

[George Camel]

I loved it. Let me tell you. Okay, let me read you the one that went.

[Rachel Cruz]

Oh, I can't wait.

[George Camel]

Yeah, you ready for this?

[Rachel Cruz]

Oh, I cannot wait.

[George Camel]

They go into. We both know credit cards are more secure. There's obviously value to building your credit in this country. Rewards are free money back. Here we go. But it's also super one sided. And I would bet my house that you guys use credit cards just like I do. Pay them every month like clockwork. My response, you bet your house that I use credit cards. Bet I show my credit report and you must transfer the deed of your house in my name. Otherwise, delete all of your comments and stop trolling. You have until 12pm Central Time to accept otherwise. Block. You know what his response was? Dodging all the facts that credit cards are obviously a great tool. Don't worry, I'll take care of the block. It's giving. No, you know what? I'm gonna break up with you first. That's the energy it gave. And I was elated because best case, I own a house. Yeah, you get a house scenario.

[Rachel Cruz]

Yeah, gonna comment.

[George Camel]

Worst case, I get blocked by some random dude on Instagram.

[Rachel Cruz]

My favorite is like, unfollow, unfollow. And you go. And you're like, oh, they haven't unfollowed. Like, they're still follow.

[George Camel]

They still follow you. They're like, hate follow. Okay, what's your story?

[Rachel Cruz]

Oh, my gosh, that's so funny. I responded to somebody about Dave. My dad.

[George Camel]

You defended Dave's honor.

[Rachel Cruz]

Because I usually take. I mean, I can take a lot. Like, I hear everything in this one comment. It was basically. It was about real estate. And they're like, he has no idea what he's talking about. And I was like, you can say.

[George Camel]

A lot of things.

[Rachel Cruz]

I was like, you know, that's not the one. Oh, shoot. He's owned, like, 500 properties over the course of his life. I mean, he, like, went into foreclosure on half of them, went bankrupt. But, like, he. Dave knows. Like, if Dave didn't do what he's doing now, he would just be doing real estate and kill. Like. Like, I'm like, oh, gosh, no. Like, you could say that about a lot of things about him. Like, oh, he doesn't know about golf. Like, he golfs. Yeah. He may not know everything about, like. But I'm like, oh, no. That's, like, the one thing. Like, you can't.

[George Camel]

So you literally said, oh, no, you didn't.

[Rachel Cruz]

And it was so early in the morning, too, y'all. I remember. And I was like. And I wrote this whole thing, and I just sent it. And then after, I was like, that was so stupid. Why did I. Because it wasn't even on my page. It was some, like, thing that came up. And then underneath it was a blasting Dave Ramsey.

[George Camel]

Yeah, real.

[Rachel Cruz]

And I responded to it. I know.

[George Camel]

Is it still out there?

[Rachel Cruz]

It's so funny.

[George Camel]

You didn't.

[Rachel Cruz]

Probably. Probably. It's like, two years ago.

[George Camel]

Wow.

[Rachel Cruz]

But I usually don't ever. Yeah, I usually don't respond, and I don't look either. Very often.

[George Camel]

You don't?

[Rachel Cruz]

Because I think Reddit is, like, the really bad place to go.

[George Camel]

Sure. There's a lot of just.

[Rachel Cruz]

I know.

[George Camel]

Angry people.

[Rachel Cruz]

I don't go there.

[George Camel]

But I'm proud of you. Two years ago. That's a win.

[Rachel Cruz]

I know.

[George Camel]

I'm like, well, pick a day, and I'll tell you what.

[Rachel Cruz]

There was a girl that blasted me who has a big following. I didn't know every people were sending me her stuff because she, like, blasted me in a reel because I'm Dave's daughter. And, like. Yeah. And I still want to be, like, women supporting women. Like, I wanted to give, like, a.

[George Camel]

Little like, super passive aggressive.

[Rachel Cruz]

So passive aggressive. But I didn't.

[George Camel]

I wish you were that petty. Honestly. Sometimes I think you're too nice and too, like. Well, but maybe they had a bad day and I'm like, or maybe they're a terrible person.

[Rachel Cruz]

Or maybe I'm gonna take their house. So George is gonna do Leave Eva homeless.

[George Camel]

I thought this is the greatest game show ever. If I win a house out of this comment and this guy follows through because he has integrity, it'll be the greatest story of all time.

[Rachel Cruz]

Be so funny.

[George Camel]

Like, how'd you get that house? Yeah, I just left a comment.

[Rachel Cruz]

Just got the deed.

[George Camel]

I want to bet.

[Rachel Cruz]

I don't know. Don't know how it happened. Oh, so great. Well, make sure to DM us your guilty as charged questions because we get ideas from you guys. So on social, on Instagram, where are you? Where do you. Where do you love to be?

[George Camel]

Instagram is my place.

[Rachel Cruz]

Me too, George. Are we still millennials?

[George Camel]

I'm on X and Facebook, but I'm like, I go there to just see what the other side is doing. Instagram are my people.

[Rachel Cruz]

Yeah, I agree with you.

[George Camel]

Millennials is what I'm talking about.

[Rachel Cruz]

Yeah. Yeah. So give us. Give us some ideas about Guilty's charge are always helpful. And if you enjoyed this episode, then you definitely don't want to miss our episode on our most viral advice. So make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.