Things That Scream “I’m Pretending to Be Upper Class”

Transcript

George Camel (0:00)

Foreign.

Rachel Cruz (0:05)

Hey, guys, I'm Rachel Cruz. I'm George Camel and this is Smart Money Happy Hour. Cheers.

George Camel (0:12)

Cheers. Wow.

Rachel Cruz (0:17)

It's a lot of flavor. 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.

George Camel (0:25)

And today's episode is all about things that scream. I'm pretending to be upper class.

Rachel Cruz (0:30)

Yeah. I mean, these days it's cool to care about your money, Right? But sometimes we care about the things that we shouldn't care about, putting the.

George Camel (0:37)

Care in all the wrong places.

Rachel Cruz (0:39)

Done. Done. Done.

George Camel (0:40)

So think about words like try hard. Remember when that was a thing?

Rachel Cruz (0:43)

Yeah.

George Camel (0:43)

Humble brag. Now the new one according to Gen Z is pick me energy. Oh, she has pick me energy.

Rachel Cruz (0:49)

Ooh.

George Camel (0:50)

When you're trying to sort of flex and, you know, get the attention. So we're going to talk about what showing off looks like when it comes to your money. But first, let's show off what we're sipping on. Rachel.

Rachel Cruz (0:59)

Yeah, we are sipping on a Japanese slipper.

George Camel (1:02)

Well, stick around till the end. We're going to give you our rating and reveal the cost per glass at the end of the episode.

Rachel Cruz (1:07)

So. Great.

George Camel (1:08)

So like we said, it's. It's cool to care about your finances, and we're trying to make that fetch. But that doesn't mean flaunting name brand stuff just to prove something. In fact, it's become kind of a social turnoff.

Rachel Cruz (1:18)

Smart Money Happy Hour with Rachel Cruze and George Kamel

Episode: Things That Scream “I’m Pretending to Be Upper Class”
Release Date: January 9, 2025
Host/Author: Ramsey Network

Introduction to the Episode

In this engaging episode of Smart Money Happy Hour, financial experts Rachel Cruze and George Kamel dive deep into the subtle and not-so-subtle ways individuals attempt to portray an upper-class lifestyle. Through a blend of humor, personal anecdotes, and expert insights, they uncover the financial habits that not only fail to convey true wealth but also hinder genuine financial growth.

Key Topics Discussed

1. The Culture of “Trying Too Hard”

Rachel and George kick off the conversation by addressing modern slang and behaviors aimed at flexing one's social standing:

George: Highlights terms like "try hard," "humble brag," and introduces the Gen Z term "pick me energy" to describe those seeking attention through their actions (00:43).
Rachel: Agrees, emphasizing how societal shifts make certain flexes less appealing and more of a turnoff (01:18).

2. Common Financial Flexes That Miss the Mark

The duo explores various behaviors individuals adopt in an attempt to appear affluent:

Name Dropping:
- George: Expresses disdain for those who mention famous names to elevate their status (03:20).
- Rachel: Shares a personal anecdote about using her father's name to gain favor (05:08).
Bragging About Kids:
- Rachel: Criticizes parents who boast about their children's achievements, viewing it as unnecessary and shallow (07:00).
- George: Adds humor by stating, "if you're still wet in the bed, you don't get to brag on your kids" (07:40).
Sunglasses Indoors:
- George: Finds it unappealing when individuals wear designer sunglasses inside as a status symbol (10:10).
- Rachel: Agrees, questioning the necessity and authenticity of such displays (08:10).
Ordering in Another Language to Seem Cultured:
- Rachel: Recalls a mission trip incident where she attempted to use Hawaiian greetings ineffectively (09:09).
- George: Shares his preference for authenticity over forced cultural expressions (09:36).
Flaunting Wealth on Social Media:
- George: Criticizes excessive displays of luxury on platforms like Instagram and TikTok, labeling them as superficial (16:09).
- Rachel: Acknowledges her occasional indulgence but distinguishes between capturing moments and intentional flexing (16:22).
Leasing Luxury Cars:
- George: Warns against leasing as a costly way to finance vehicles, emphasizing the hidden expenses and long-term financial strain (19:06).
- Rachel: Confirms leasing as the most expensive car financing method and advises opting for car loans instead (19:11).
Over-Accessorizing:
- Rachel: Discusses excessive use of accessories like flashy nails, expensive watches, and strong perfumes as attempts to appear affluent (20:15).
- George: Points out the importance of genuine motivation behind such purchases rather than seeking validation (21:01).

3. The Influence of Social Circles on Financial Behavior

Rachel and George delve into how one's friends and social environment shape financial priorities:

Rachel: Illustrates how being around individuals who value extravagant spending leads to similar financial behaviors (24:10).
George: Emphasizes that surrounding oneself with the right people fosters healthier financial habits and perspectives (24:37).

4. Practical Financial Advice

The hosts offer actionable tips for listeners aiming to build genuine wealth:

Budgeting Tools:
- George: Recommends using the EveryDollar app for budgeting, highlighting its effectiveness in managing finances without undue stress (22:55).
- Rachel: Echoes the sentiment, urging listeners to prioritize budgeting over unnecessary spending (23:20).
Avoiding Debt-Fueled Status Symbols:
- George: Advises against living beyond one's means for the sake of appearances, promoting financial freedom over societal approval (26:02).
- Rachel: Agrees, stressing the importance of prioritizing essential spending and saving for meaningful investments (26:25).

Notable Quotes with Timestamps

George Kamel:
- "Not caring what other people think is a superpower in today's world." (23:55)
- "If you have a lease, I guarantee you you have debt payments all around you. It's rarely the only debt you have." (19:52)
Rachel Cruze:
- "I'm trying to make caring about your finances fetch." (02:08)
- "If nobody sees it, do you still want it?" (23:29)
- "We all have it, right?" (30:58)

Conclusions and Takeaways

Rachel and George wrap up the episode by reinforcing the importance of authentic financial behavior over superficial displays of wealth. They emphasize that true wealth is built through mindful spending, budgeting, and surrounding oneself with supportive and financially prudent individuals. By avoiding the traps of social media flaunting, unnecessary luxury leases, and status-driven purchases, listeners can focus on building lasting financial security and living a life they genuinely love.

Final Segment: Guilty As Charged

In a candid and humorous closure, Rachel and George share their personal lapses in attempting to "make it" through conspicuous consumption:

Rachel Cruze: Admits to purchasing designer shoes purely for status, which were seldom worn and served no practical purpose (28:04).
George Kamel: Reveals his splurge on epoxy garage floors, a luxury addition that didn’t align with his financial goals (29:06).

Both hosts encourage listeners to reflect on their own spending habits and strive for financial authenticity over societal approval.

Additional Resources

For those looking to implement the discussed financial strategies, both Rachel and George recommend the EveryDollar budgeting app. Visit everydollar.com/smartmoney to get started on a path toward genuine financial well-being.

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Disclaimer: The views expressed in this summary are based on the podcast transcript and do not constitute financial advice. Always consult with a financial professional before making significant financial decisions.

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