We Call Out Your Cringe Money Behaviors

Summary

Podcast Summary: "We Call Out Your Cringe Money Behaviors"

Podcast: Smart Money Happy Hour with Rachel Cruze and George Kamel
Host: Ramsey Network
Date: October 9, 2025

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Main Theme & Purpose

In this episode, Rachel Cruze and George Kamel dive into the concept of "cringe" money behaviors across generations—from Boomers to Gen Z. They analyze the financial habits universally or generationally considered embarrassing or questionable, share hot takes, and reflect on what each age group considers “cringe.” With light-hearted banter and candid stories, the hosts aim to bridge the generational gap with humor and honest conversations around money, lifestyle, and changing norms.

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Key Discussion Points & Insights

1. Defining “Cringe” in Money and Life (00:05–06:46)

• Rachel and George reclaim the term “cringe,” observing that each generation has behaviors others find embarrassing or outdated.
• Example “cringe” moments:
  • Adults wearing Crocs with charms (05:26)
  • Pajama-level athleisure in public, especially at airports (05:47)
• Game—“Cringe or Nah” initiated to quickly call out behaviors and where they land on the cringe spectrum.

Notable Quote:
"I’m like, listen, you can’t do it. Just therapy’s cheaper." —George (05:35), on adults accessorizing Crocs.

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2. Generational Cringe Callouts (13:09–26:01)

Boomers

• Cringe behaviors (per Boomers):

  • Talking openly about salary and finances (14:21, 14:55)
  • Publicly airing financial struggles or seeking help via GoFundMe (16:04)
  • Accepting financial help from family (17:43)
  • Outsourcing tasks like house cleaning or self-care/lawn care (18:37)

• Rachel and George’s takes:

  • More willing to talk salary with friends in the same field, but less comfortable within the same company.
  • They recognize the value in asking for help, but support healthy boundaries and self-reliance.
  • Outsourcing is considered smart use of resources if affordable.

Notable Quote:
"If you have the resources to trade your precious time...absolutely do it." – George (19:14)

Gen X

• Cringe targets:
  • Relying on TikTok for financial advice (20:40)
  • Job hopping or “quiet quitting” (21:10)
  • Earning only freelance income (21:48)
  • Skipping college (22:05)
• Gen X favors stability, corporate jobs, and traditional benefits.

Millennials

• Cringe money habits:

  • Staying in toxic workplaces (22:47)
  • Lack of transparency about money topics (23:26)
  • Irresponsible, values-misaligned spending (25:06)
  • Blindly following outdated financial advice from Boomers (26:09)

• Millennials value equal partnership, salary transparency, and ensuring their spending aligns with causes and values.

Notable Quote:
“I think life is short. And millennials realize we don’t have to live the life of the Gen Xers and Boomers by just settling for a job we hate.” —George (22:51)

Gen Z

• Cringe, according to Gen Z:
  • Not leveraging digital income streams (27:07)
  • Blindly following the American dream (28:28)
  • Living above your means for appearances (31:01)
  • Anything inefficient or that takes too much time (31:47)
• Gen Z is resourceful, entrepreneurial, and questions old norms, preferring authenticity and convenience.

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3. The Generational Divide in Customer Service and Work Ethic (32:25–34:51)

• Rachel shares a story of Gen Z’s approach to customer service—sometimes unenthusiastic, but direct and efficient.
• Discussion about how both Gen Z and older generations can lack resilience, but resourcefulness is prized.
• Rachel and George reiterate each generation has both admirable and “cringe” individuals.

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4. Key Takeaways (35:01–35:53)

• Every generation has admirable and cringeworthy behaviors.
• Your success is not determined by age, but by thoughtful money habits.
• They advocate learning from all generations and maintaining financial discipline through plans like the Ramsey Baby Steps.

Notable Quote:
“Your age and all of that...doesn’t matter. It’s your habits, how you view money and all of it that’s gonna sustain you long term.” —Rachel (35:24)

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Memorable Moments & Quotes with Timestamps

• On public Crocs:
  "If you’re a grown adult in public...I don’t think you should be wearing Crocs." —George (04:54)
• On openly sharing salaries:
  “I would lean probably more...unless I had a friend and we were in the exact same position in life.” —Rachel (14:34)
• On generational wisdom:
  “There’s something to learn from every generation. So I always try to ask questions and gain wisdom, regardless of what age they are.” —George (35:53)
• On spontaneous big buys:
  (On unexpectedly buying Backstreet Boys tickets for a weekend trip)
  “...all of this is like what I thrive on, because I don’t get to be spontaneous in life anymore.” —Rachel (37:34)

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Key Segment Timestamps

| Segment | Content | Timestamp | |---------|---------|-----------| | What is "cringe?" | Defining cringe and money/lifestyle habits | 00:05–06:46 | | "Cringe or Nah" Game | Calling out social and travel behaviors | 06:46–10:03 | | Generational Money Cringe | Examining each generation's financial pet peeves | 13:09–26:01 | | Customer Service & Work Ethic | Gen Z vs. Millennials/Gen X in work settings | 32:25–34:51 | | Episode Takeaways | Every generation's strengths, habits matter | 35:01–35:53 | | "Guilty As Charged" | Rachel's spontaneous $1000+ Backstreet Boys splurge | 37:08–39:48 | | Drink Review | BlackBerry vanilla mocktail rating and recipe | 39:39–36:53 |

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Notable Quotes

• On Crocs:
  "Dr. Seuss, I think Burks and Crocs with socks. That rocks." —George (05:10)
• On job loyalty (Gen X):
  "They value the loyalty, simplicity. If it ain't broke, don't fix it." —George (21:19)
• On millennial work culture:
  "We were the first generation to have that. It’s a luxury...our parents set us up for that kind of life." —George (23:05)
• On Gen Z resourcefulness:
  "They are more creative, more inventive. They’re not afraid to learn new skills." —George (27:34)
• On buying experiences:
  "But for some reason, it’s an open weekend...So I bought with two of my girlfriends…Backstreet Boys tickets to the Sphere in Vegas." —Rachel (38:19)

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BlackBerry Vanilla Mocktail Review (39:39–36:53)

• Rachel: 10/10, George: 7/10
• Rachel: “I would genuinely drink that at dinner.”
• $2.76 per glass; recipe found in show notes.

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Final Thoughts

Rachel and George deliver a playful but insightful look at how generational perspectives on money can both clash and complement. They encourage self-awareness, learning from each generation’s strengths, and sticking to smart, value-driven money habits—whatever your age. The episode combines financial wisdom with relatable lifestyle commentary and plenty of humor, making it accessible and engaging for listeners of any generation.

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Transcript

[A]

Today we are reclaiming the word cringe from Gen Z because every generation has money behaviors they cannot stand.

[B]

I may go more boomer with that one.

[A]

One point for the boomers.

[B]

Have you ever spontaneously spent something over $1,000? I did.

[A]

Well, this was recent for you last night.

[B]

Hey, guys, I'm Rachel Cruz.

[A]

I'm George Camel and this is SM.

[B]

Smart Money Happy Hour.

[A]

Hey. Is saying things in unison considered Cringe.

[B]

No, I love it.

[A]

Really?

[B]

Yes.

[A]

People love it out there. Like, I know they do it at home.

[B]

Yes. Well, Smart Money Happy Hour. And then. And then. You know what? I got a comment, a DM recently, I forgot to tell you. And they said, why have you stopped saying cheers to George? Because we'll be like, this is smart money happy art. And then we cheers.

[A]

I thought there was something in the edit that they told us and they.

[B]

Have, and I don't know, they're cutting it out, so. So here, let me just say, this is Smart Money Happy Hour. Cheers. Cheers, George. That's what I would say.

[A]

And I used to say something quirky about the drink to add some panache and pomp and circumstance. But then I heard, hey, that's not even gonna make it in the edit.

[B]

Maybe they're gonna miss out. I know.

[A]

Just so you guys know, we don't have any decision making power around here. Every word is piped in through a chip in our brain.

[B]

We never know what's gonna make the final cut. We should do an uncut episode one time.

[A]

Whew. I think that people think the episodes are already uncut. Imagine the stuff you don't see.

[B]

We have a great team. We're just the puppets.

[A]

Genuinely, the best editors.

[B]

Genuinely. They just. They're fantastic.

[A]

No strings attached.

[B]

That's right. NSYNC reference. All right, well, this is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money.

[A]

We should do one on cop culture. I. That's actually intriguing to me. I was like, no one's ever talking about cop culture. There's a whole zeitgeist around that.

[B]

Donuts and coffee.

[A]

A little stereotypical.

[B]

Oh, man.

[A]

But I have been like, have you ever seen, like, an out of shape cop? And you're like, yeah, I could do that job. You know what I mean? Most of the job is paperwork. I found out, like, they're not actually chasing criminals.

[B]

Well, you know, I was laughing because there was a meme, this is probably so illegal. But it just was funny like a. Like a Instagram reel. And it was like, cops pulled me over because I was on my phone. But here they are, and it's a guy in his car with, like, a laptop, and he's, like, talking on a phone and he's, like doing this, like, shooting, like, the speed. You know what I mean? Like, how multitasking they have to be when they're driving. They probably do it when they're stopped.

[A]

But I do think about that. How often are they just, like, Googling license plates on their little laptop while driving?

[B]

I would get the T of the person.

[A]

Oh, I'd be every license plate.

[B]

Oh, my God.

[A]

Any interesting car, but what a nice car. What do they do? Terrible car. What do they do?

[B]

Who are they? Yeah, then Google them. Figure it out.

[A]

I don't think they Google, but maybe Google the person. I think they have better means of finding it. Like, the license plate will tell you more than a Google search.

[B]

Yeah, but if you get the name of the person that owns the car, Google the name of the person and be like, oh, they're the CEO of this healthcare company. That's not in their database, probably. Sure, right?

[A]

Yeah, you make a great point. Hey, if you're a cop, let us know. That's what you do. That's 90% of your job.

[B]

We appreciate your service.

[A]

Anyways, we're sipping on today a BlackBerry vanilla mocktail. So this is one that kids of all ages can enjoy, and I don't.

[B]

Want to give it away. This might be a top five for me. It's really good.

[A]

High praise from Rachel Nicole Cruz. We're gonna give you our rating and reveal the cost per glass at the end of the episode. So stick around for that. You're not gonna want to miss it because she loves it.

[B]

Yeah. High rating cats out of the bag.

[A]

All right, so when something is considered, quote, cringe, you know, like, I mean, a bad example, Fender bender on the interstate. It's annoying, harmless. Nobody's hurt, but you just can't look away. Yeah.

[B]

So what's cringey to you in life? Cause to me, it can be less bad than inner circumstances.

[A]

Yeah, Mine are, like, things that really don't affect me, but I take personally. Okay, good example. Crocs in public.

[B]

Okay.

[A]

Now, do I have issue with Crocs as a shoe? Sure. The design is flawed, but I've heard they're very comfortable. And if you're like, you're in the medical field, totally understand wearing Crocs at work for sure. But if you're a grown adult in public, just Moseying around. I don't think you should be wearing Crocs.

[B]

Shouldn't have the Crocs on.

[A]

Yep. Children, you get a pass.

[B]

Yeah. Under what, age? 10?

[A]

I'd say 12. Yeah, I'd say teenagers, if you're still.

[B]

Doing Crocs or something, under freshman year of high school, retire the Crocs. Because all the kids. That was, like, a cool thing. They would wear Birkenstocks or Crocs with, like, high socks. I think that was, like, a. What do you mean?

[A]

Dr. Seuss, I think Burks and Crocs with socks. That rocks.

[B]

Oh, with a fox.

[A]

With socks.

[B]

With socks.

[A]

Always with socks.

[B]

Oh, man.

[A]

Yeah. That one just bothers me. I don't have any, like, science behind it. But also adults wearing the jibbits in the Crocs, the little, like, gems and charms they put in it.

[B]

Yeah.

[A]

I'm like, listen, you can't do it. Just therapy's cheaper.

[B]

That's funny. Whatever's alien. Do you know what kind of bothers me?

[A]

What's that?

[B]

Is when people wear athleisure to, like, something other than running errands.

[A]

Oh.

[B]

So stay with me here, the airport. Call me old school, but I see people in, like, legit pajamas walking around.

[A]

And a little bit now, we're not talking, like, nice athleisure. Like, you're talking about if you have.

[B]

Joggers and, like, a nice, like, Minnie Mouse or something.

[A]

Yeah, like, I get it.

[B]

But, like, I'm like the pajama. Like, the borderline pajama look like y'. All. And again, there's the high level. So there's a really bougie style that was, like, a monochromatic set that was silk, and that was like a Dior. Like, a fancy fancy. You know, people have that on, like, celebs, but I'm talking, like, full on, like, pajama pants at the airport. A part of me is like, you're an adult. You're an adult. Like, you gotta, like, wear clothes. I don't know, like, wear normal clothes.

[A]

I expect that behavior. Like midnight at Walmart. Sure. Wear the Minnie Mouse sweats. Go for it. Yeah, I know you're in good company.

[B]

So I don't know, whatever it is, but I'm like, man, well, let's play.

[A]

A quick game, and everyone watching can play along at home. Quick game of cringe or. Or nah.

[B]

Ooh.

[A]

I don't know what nah means in this scenario. Is it ne. Ne? So nah meaning, like, no, it's not cringe. Is that what teenagers do that.

[B]

No. Yay or nay? Nay. Is it nay? It's just. N. No.

[A]

All right. Our resident gen zer just basically said that you're being cringe right now.

[B]

Okay. O.

[A]

All right, this is a quick react. No discussion here. Just go for it. Okay. Top of mind pda. We're talking same side of the booth. Couples holding hands, kissing in public. Cringe.

[B]

I mean, the same side of the booth is more quirky than cringe to me. Holding hands and kissing doesn't really bother me. I will say we were in Miami.

[A]

Oh.

[B]

On a vacation and a lot of public romance. Yeah. The couple next to us just going. I mean, just. Yeah. They were just like. Yeah. On the same chair, all the things. And you're like, all right, can I.

[A]

Defend the same side?

[B]

They were very. They were very comfortable and great. And I just thought, you know, maybe you have to be something I don't.

[A]

There's a level, like, a lack of shame that I envy in those days.

[B]

Yeah. I mean, seriously, it's just like, man, good for y', all, you know?

[A]

Okay, same side table, booth. Can I defend.

[B]

Oh, are you a safe.

[A]

Because I'm guilty. Oh. So Whitney and I, for example, split fajitas. The table is six feet wide, so if we sit across from each other, this is a whole situation to try to like. So now we're like, let's just sit on the same side of the booth, because the table's gigantic at some of these restaurants.

[B]

Yeah.

[A]

So we just go same side.

[B]

Wow.

[A]

Yeah.

[B]

Shameless.

[A]

And she doesn't want to look at me. You know what I mean?

[B]

You know? Okay, can I say this? A square table. I could go same side with the edge between us. So we're both kind of looking the same direction.

[A]

You know, you're at the corner. Like, you're kind of category.

[B]

Yeah, we do that.

[A]

Yes, that makes sense.

[B]

But a booth. Sorry, George. All right.

[A]

I tried specifically Mexican restaurants. They have the biggest booths I've ever seen.

[B]

Oh, this is a great one. Loud phone calls in public.

[A]

Yeah, that's a hard question.

[B]

Okay. This is a boomer thing, y'. All. And they have it on speakerphone.

[A]

If you have it on speakerphone, you're.

[B]

Listening on speakerphone the entire conversation from someone.

[A]

And is it an important conversation? No.

[B]

And it's in the airport. I got. I was listening to this man. I mean, for 20 minutes, talk about his whole flight situation with the. I mean, it was. And I heard the other guy giving him tips on what to do. I mean, it was a whole thing And I'm like, this is bizarre. Like, that's bizarre to me. But you don't have enough self awareness that you're sitting in a crowded gate and you are literally on speakerphone talking.

[A]

Yeah.

[B]

Is that not wild?

[A]

No. I think every generation can get behind that one. The boomers are guilty of this.

[B]

Yes.

[A]

And the text. The text sound on the every letter. How many dots do we need?

[B]

Yes, yes.

[A]

You made your point. You're not happy with this. I get it now.

[B]

I am a voice texter, voice to text. But I try to whisper it. So I'll be like, walking in the parking lot at work and I'm like, hey, just so you know. And I'll like, give the message in my phone, but I will say it out loud.

[A]

Okay, that does bother me. That is cringe hey girl messages.

[B]

Les me hey girl. Oh, I do it all the time.

[A]

It's giving, like, MLM pitch.

[B]

Hey girl.

[A]

Like, hey, girl.

[B]

Yeah, What's.

[A]

What. How do yours continue after?

[B]

That's like, hey, girl, I do that.

[A]

Or ladies. Who is that being sent to?

[B]

Like, a group, a group of friends. Like, ladies, what are we gonna do tonight? You know, I'll be like, my porch tonight. You know, I'll like, what's the equivalent.

[A]

Of that for guys? Like, would I be like, boys?

[B]

I don't know.

[A]

It's the game plan. I don't know.

[B]

Does not bother me. But I do. I am a hey girl for sure offender.

[A]

Wow.

[B]

What else are you supposed to say?

[A]

Like, hi, I hope this finds you well.

[B]

Okay. I know.

[A]

Hello. Reclining in the airplane seat. Is that cringe?

[B]

Oh, my gosh. I've changed my stance on this one.

[A]

Your OG stance was it's okay to recline.

[B]

I would always recline.

[A]

And now you think it's cringe.

[B]

No, I don't think it's cringe for I don't judge other people. But I now don't do it because I realize it's a hot topic issue. A hot button issue. I never knew people were so opinionated about it. They made the seats to recline. So I was like, that's what I would do. I would recline. And so I don't get mad if other people do. But now I think I am. The unhealthy part of Rachel is too scared people are gonna think, or maybe.

[A]

You'Re a selfless person who goes, hey, maybe this person wants the four inches they have and they don't want it to go down to one.

[B]

Yeah. We flew American that Miami trip. I was telling you about. We flew Southwest down Nashville to Miami, Southwest back American. I'm not gonna bash American, but I'm gonna bash American. Their rows are horrible, tiny. And I didn't pay for the extra. Whatever, whatever. Like, you can. I think there was three different. Yeah, three different levels. And Winston and I were like, we'll just sit in, like, Ro too. We're fine. And I got back there, I was like, oh, my gosh. Like, it is significantly less room than Southwest.

[A]

Wow.

[B]

Significant. Like, I could kind of feel it. I'm not a claustrophobic person, but I.

[A]

Kind of was like, get me out of this.

[B]

This is pretty, pretty tight. Yep. Wow. Really opinionated.

[A]

Yeah. See?

[B]

Jeez.

[A]

That's my hot take. Everyone is more judgmental than they would like to believe.

[B]

Fair. Unbelievable. Well, one place you gotta go is fairwinds.org Ramsey because if you love a.

[A]

Good dot org, which Gen Xers and Boomers definitely do, they love that.

[B]

But for real, Fairwinds is a credit union. And they. They're fantastic, you guys. Everything from what they provide, their services, they line up right with Ramsey and the Ramsey plan. So if you're working the Ramsey plan, Fairwinds Credit union is going to be alongside you, supporting you in that, not working against you. Like other banks not looking to nickel.

[A]

And dime you with a bunch of fees. They're not going to do that. No.

[B]

In Winston I. We opened up an account and we did it. And it was like weirdly simple. Genuinely, I was expecting so much more when I was doing it. Because it's a bank account. Right. But when you fill everything out and the next day we got a call from them double checking a couple things and asking how it was. I mean, it just was like great.

[A]

Customer service as well, which is rare in today's world. Especially in the financial world.

[B]

Yes.

[A]

Yeah, I did it on my phone. Less than five minutes. Super easy.

[B]

So great.

[A]

And they're owned by their members, not by Wall street, because they're a credit union, which makes me love them even more. You're not just an account number to them. And again, they want you to find freedom with your money versus bondage by trying to trap you into debt. That's not what they're about. So go check them out. Go to Fairwinds.org Ramsey or check out the link in the description. So let's talk about generational money cringe. Everyone likes to make fun of Gen Z for being judgmental, calling out the cringe. But I think every generation does this in different ways.

[B]

Yes. Just less publicly yeah, Gen Z boomers, they all. We all Gen X.

[A]

Who are often forgotten and love to let you know that we forgot about Gen X.

[B]

Sorry, we didn't forget about you.

[A]

You're just not as interesting. The boomers are out here doing egregious things. Be more egregious and we'll pay attention.

[B]

Yeah. They did slip under the radar, though.

[A]

They're just out there working, trying to survive.

[B]

Yeah, they are. Isn't that funny?

[A]

Boomers are flaunting their homes. They paid with a bushel of raspberry, so they're going to get more hate.

[B]

So the team polled ChatGPT to find common money habits each generation thinks is cringy. And we're gonna kind of unpack these together to see if we agree or disagree.

[A]

You know, let's start with the boomers.

[B]

Mm.

[A]

Talking about how much money you make. Boomers do not like that.

[B]

Yes.

[A]

They would say Chanzi is all about transparency.

[B]

Yeah. So boomers would say talking about how much money you make is cringe.

[A]

Poor etiquette. They would never use the word cringe. They don't know what that means. But they would say it's poor etiquette. Mm. What do you think? Would you agree with the boomers on this?

[B]

I would lean probably more that unless I had a friend and we were in the exact same position in life. Like, we're both in marketing, we both do social media, we're both teachers. Like, whatever. The thing is, like, if we have a equal playing field of a job, I would totally want to know what that person's making over there.

[A]

What about same company versus you work at different companies? I feel like it's easier if you work at a different company.

[B]

Yes, for sure. Same company feels risky. It does, yeah.

[A]

Because I don't know someone's gonna be resentful.

[B]

Well, and if someone's there longer, they're probably making more. If there was a certain need at the time for the company to get X level marketer, maybe they're going to pay more for it.

[A]

Well, what I found is that the newer hires come in at a much higher salary than, you know, I started as. So that's upsetting to me that I've been here four years and the new hire is making that much day one because of the market or whatever it is their experience. I guess I've. It rarely doesn't backfire. Usually it causes you to feel less than or better than and neither one is healthy, in my opinion.

[B]

Yeah, I think that's fair. So you're more with the boomer on that.

[A]

One point for the boomers.

[B]

Okay, next, Airing your dirty laundry or oversharing about your private financial struggles or goals. Oh, they would say that's cringe.

[A]

There's a big spectrum here. So the boomers were taught to value image and reputation and sort of carry yourself with a certain level of, you know, dignity. And I think, to them, putting your business out there is over the line.

[B]

Right, right.

[A]

So airing door.

[B]

And I do think it is, like, bizarre to them, the emotion that we are willing to put out to the world.

[A]

Yeah. You know, boomers would never launch a GoFundMe for their personal struggles, number one, because they wouldn't know how. They would just struggle to figure it out. But number two, they would see it as like, oh, I don't want to let people know that I'm struggling.

[B]

Yeah.

[A]

So there's a level of. I respect that it's okay to ask for help and to admit you're struggling, but I do think there's a time and place for it. To the boomer's credit and online, publicly airing your dirty laundry, quote, unquote.

[B]

I make a more boomer with that one.

[A]

Yeah. Are the.

[B]

I'm okay to do it, but do it, like, with your friends. Don't do it for the world.

[A]

Should we title this episode?

[B]

Are the boomers right ww.instagram.com right? Like, it's the world wide Web.

[A]

If you go to instagram.com, you're a boomer.

[B]

I'm just making the point that it's the Internet.

[A]

Can I share a very boomer move that your dad is guilty of?

[B]

Oh, I cannot wait.

[A]

Does he instagram.com yeah, he does.

[B]

On his laptop.

[A]

I have never seen someone scroll the desktop version of Instagram. And Dave and I are hosting the show, and I'm like, oh, there's. Yeah, it's a website. Like, I forgot it's also a website.

[B]

It's probably like HTTP, but to be.

[A]

Fair, much better viewing experience.

[B]

Oh, really?

[A]

Yeah. I'll tell you this. He doesn't like my posts.

[B]

He is on it awfully a lot to not interact.

[A]

Like, yeah, I do get nervous because he follows, like, 40 people, myself included. So, like, naturally my stuff shows up in his feed, and when I'm next to him, I'm like, does he like it? Is he into it?

[B]

What's he thinking? What's he thinking?

[A]

So great.

[B]

All right.

[A]

Accepting financial help from relatives. This is big. Cringe from the boomers because they would say not very bootstraps. Of you.

[B]

I'm going to disagree with that one. I think it's okay if you're not. If it's not like an entitled situation and you're like, creating harm to the situation. But I don't know, George. I saw a lot of people today that I'm like, it's families and they're working hard. They need to replace the car and the parent has the money. It's like, hey, I'll buy you the new van. I think that's great. That does not make me mad.

[A]

Yes. So if it is like, I guess the caveat is if it's stunting that.

[B]

Person'S growth, the detriment of the kid or the person, for sure. That's where we start to say, like, that's not good.

[A]

But if you want to gift a car, even a down payment, cover the cost of college. Yes, absolutely. Set your. Set your kid up.

[B]

Yes. I don't know why. I just think that's great. That does not bother me. All right, next up, selfish spending, spending money on self care, therapy, massage appointments.

[A]

It feels frivolous to them.

[B]

Yes. Lawn care, house cleaner, mani, pedi.

[A]

So anything that you could do yourself. Now I don't know how to like, give yourself a massage. That feels difficult. Yeah.

[B]

I am an outsourcer. Like my mo. We never had anyone clean our house when I was growing up.

[A]

Yeah.

[B]

Sharon never did. And now me working, three kids, all of it, I'm like, yes, please, let's.

[A]

Outsource all the help we can get.

[B]

Percent and that just doesn't bother me.

[A]

Yeah.

[B]

And I'm not picky about it either. Some people outsource and then they're picky about the outsourcing and they're like, well, they didn't do that.

[A]

I don't know.

[B]

Part of me, I'm like, they didn't.

[A]

Know it how I would mow it. They didn't clean it, how I would clean.

[B]

Yeah. That's cringe to me. I'm like, listen, they did it.

[A]

I don't know.

[B]

I'm just not picky with it.

[A]

Yeah. If you have the resources to trade your precious time that you could spend doing something that's more important to you or that's more beneficial to you, absolutely do it.

[B]

Yep.

[A]

So, boomers, that's a negative point for you.

[B]

There you go.

[A]

We've docked your pay.

[B]

Yes.

[A]

That's how they know that's. They understand that, doc.

[B]

Your pay. Which means you won't have that extra pay to buy Cozy Earth products because Cozy Earth is incredible. Their products, you guys, the quality is outstanding, whether it's shirts, joggers. Now, you know what? That's an athleisure I would wear.

[A]

That's what? That's classy.

[B]

I would wear. Yes. I would not consider Cozy Earth being like a airport outfit. I would do it.

[A]

That's quiet luxury they do.

[B]

I'm like, it just looks so good. It is like. It's so nice, you guys. It is wonderful. So from the bedding to the clothes, all of it, fantastic.

[A]

I got an olive shirt with the matching olive joggers. Let me tell you, I feel like a pro athlete when I wear it. Like, I might as well be going to warm ups right now.

[B]

She might as well be going to my game.

[A]

Exactly.

[B]

Just look fantastic.

[A]

So it makes me feel rich inside, regardless of how I actually am outside.

[B]

So true.

[A]

And we can help you with that because we're offering you guys 40% off when you use the promo code smart money at checkout or just go to cozyearth.com smart money. Use the link in the description. Make it easy on yourself, but look good at the airport. Wear cozy Earth instead of your Minnie Mouse pajamas.

[B]

Amen. Hallelujah. All right, Ready for this? Money habits that Gen Xers think are cringe. Relying on TikTok for financial advice.

[A]

Gen Xers love this one. So they think it's cringe.

[B]

Yes. It's terrible.

[A]

They will find that same video on Facebook three weeks later and share it with everyone they know.

[B]

Just saying.

[A]

And I'm like, yeah, Saw that three weeks ago. Appreciate it, bro.

[B]

Thanks, man. Yeah.

[A]

Anything new or flashy they don't understand. It feels risky. It's just a platform.

[B]

Yep. Next. Quiet quitting or job hopping every couple of years to increase salary. Gen Xers would say that is cringe.

[A]

Yeah. They value the loyalty, simplicity. If it ain't broke, don't fix it. You got good benefits. You've been here 15 years.

[B]

Yep. Save the course. Yes. And you're going to be retiring soon if you're a Gen Xer. That's true. Retirement's around the corner, so stay it. Stay with it. You're good. Right.

[A]

They're like. They're like a. Don't rock the boat. Like, they had some struggles.

[B]

Yes.

[A]

And so they're going, why? Why mess up a good thing?

[B]

That's right. Next. Only earning freelance income. They love their 401k match and corporate health insurance.

[A]

Yeah. Very few Gen Xers are out there just kind of winging it doing freelance work.

[B]

I know.

[A]

They don't have the risk tolerance that.

[B]

I think Gen Z has, they like a little bit more of the structure. They want to live in the structure. They feel safe in the structure. That's where they want to stay.

[A]

They love a benefits package more than anyone.

[B]

Next. Not having a college degree.

[A]

Well, and they were like, the first one in their families to graduate. Some of them.

[B]

Yes. Yeah, yeah.

[A]

And so since it worked for them, they're big on, like, well, everyone should go to. What do you mean? You're not going to get a degree? You're going to be a YouTuber.

[B]

What does that mean?

[A]

You need to have a stable job. Like, they were very much about stability.

[B]

Yes. For sure.

[A]

You needed a backup plan. You didn't get to go chase your dreams.

[B]

Yeah. So they look at the Gen Zers who kind of are like, college, I don't know. We'll see. And they're like, what? No, you gotta go.

[A]

Wild behavior.

[B]

You gotta go. All right, George, Millennials, we're up next. You ready?

[A]

Money habits we think are cringe.

[B]

Yes. Things that are happening that millennials are like.

[A]

I'm an expert on my own opinion. Let's see what I think about these.

[B]

I'll start us off.

[A]

Okay.

[B]

Toxic work environments that don't pay well or treat employees fairly.

[A]

Yes. I agree with that. I think life is short. And millennials realize we don't have to live the life of the Gen Xers and boomers by just settling for a job we hate, with bad leadership, with bad values, we can actually do more missional work that we care about.

[B]

Yes.

[A]

And I think we were the first generation to have that. It's a luxury. Let me say that out loud. It's a luxury to even get to explore that. And our parents set us up for that kind of life. And for that reason, you should go find somewhere that isn't toxic, that does pay you well, that does treat you well.

[B]

Just to say in it, to stay in it, we're kind of like, don't do that.

[A]

No.

[B]

You got options out there, so go fly. Go find it.

[A]

All right, next up, lack of transparency around money. So millennials were the first generation to appreciate salary transparency, pay equality. They expected equal partnership and money and marriage, and they were the first ones to make the prenup a little more normal.

[B]

Oh, yes.

[A]

To go like, I got to protect me. I'm looking out for me.

[B]

Yep. No, I can see all of that. Yeah. And I think especially just talking about money in general. So whether it's salary or not, I feel like we were the generation that Were we were. We were fine.

[A]

More open. Talking about it with our peers, with friends, with family.

[B]

Yep. And I think it is how you grow up too, of what's like, what's acceptable, what's not.

[A]

Yeah.

[B]

And what you see as normal or not because you get put in a situation that's totally different. Like, we have some friends and his whole family. They own businesses, sell them. It's like this whole thing. And he was like, oh, yeah. We like grew up almost to a fault, he would say, became unhealthy. We're like, they would all get together for Christmas and talk shop. And all the brothers are comparing what they did here. And they sold it for this. You're not doing that. You know what I mean? Like, it started to become like a one upper game. That's not good. We don't want that. But. But I do think it's kind of how you grew up and how you saw life.

[A]

But I think creating a normalcy about talking about principles of money, values.

[B]

Yes.

[A]

Asking for advice. Hey, do you think I should do this? Before that, it was just, you're in a kind of a vacuum. Just hoping you're doing the right thing.

[B]

Going so isolated. Totally feeling like it's a shame. People in. I think it's great.

[A]

So I'd rather us air on the other side of the spectrum. All right, next up on Money habits millennials think are cringe quote irresponsible spending. They want their spending to reflect their values. So they want to donate to causes they believe in. They'll boycott companies they don't align with.

[B]

Yes.

[A]

Spending in an environmentally conscious way. I feel like this was a new thing for the millennial generation.

[B]

Well, Toms came out.

[A]

Oh, yeah.

[B]

You know, I mean, there was a.

[A]

Lot of like, we're going to give one for everyone you buy.

[B]

There was like a big trend of that. More so a few years ago, I feel like that we saw a lot of those companies come up where they.

[A]

Wanted to make you feel good about your spending. But it isn't selfish.

[B]

Right.

[A]

It's actually selfless to buy our product.

[B]

And those are the ones that will be like, all right, Target doing something we don't like. They will not go in that Target. And if you shop at Target or you mentioned Target, they will get on you and you're like, wow.

[A]

Whereas the boomers, they don't. Yeah.

[B]

I don't even know if they know what's going on. No, they do. I'm just kidding. I'm kidding, I'm kidding.

[A]

I can't Wait, here's what I do it because I know the boomers are going to leave the comments. And I appreciate that.

[B]

No, we love them. And we have.

[A]

What I love is like the 60s folks.

[B]

There's a lot of them that watch this show.

[A]

Yeah.

[B]

And they love it. So we appreciate you. Y' all are great.

[A]

The best.

[B]

Y' all are great. Yeah.

[A]

It's fun to just generalize and stereotype once in a while. So just let us have this, guys.

[B]

Yes.

[A]

Okay.

[B]

Speaking of taking all of their financial advice from boomers cringe. We think it's so cringe, this one.

[A]

Okay, here's the thing. Boomers have a lot of wisdom to give the other generations, but the context is usually left out, which makes the millennials rageful, because they go, you should be buying a house. Renting is a waste of money. And you go, have you seen the price of houses? And they go, I had to work four jobs when I was younger. I'm like, we get it. But also math.

[B]

Yes.

[A]

Like, income has gone up this much.

[B]

Yeah.

[A]

But housing has gone up 3 or 4x. That.

[B]

Right.

[A]

There's a legitimate math problem here. And I think boomers tend to go, kind of pull yourself up by the bootstrap, suck it up.

[B]

You're gonna be fine.

[A]

It's. You had it easier than I do. And I don't like that comparison game. Nobody wins.

[B]

Yes. It's good. Well done, George.

[A]

That's me summing up.

[B]

You tell your thing, you tell them.

[A]

Everyone can have it difficult in their own way.

[B]

All right, next, the gen Zers.

[A]

Oh.

[B]

Here are many habits that they think are cringe. Not taking advantage of digital income. So everything from like, you know, crypto to making money online, be it like TikTok or Instagram. Right.

[A]

So they're just like, they're less about trading their time for money and more like, how do I trade a one time thing I did or a skill to kind of flip that online and make quote unquote, passive income.

[B]

Yeah. And make that.

[A]

And they are more creative, more inventive. They're not afraid to learn new skills, especially ones that pertain to the digital world. Very resourceful. Like, they will figure it out. And that's why I think they're going to be one of the greatest generations.

[B]

Yeah. They. They know what they're doing. And the amount of time that you have to put in for things, they're gonna. They learn to work smarter, not harder.

[A]

Yes.

[B]

And they kind of find that path. Not always, but a lot of the.

[A]

Times, you know, what worries Me though, about Gen Z.

[B]

What?

[A]

They have lived their entire lives online.

[B]

Yes. That means their information is out there. Their names, email addresses, phone numbers, it's all out there. And not just them, George. All the generations. If you are online, your information's out there. That's why we love and use Delete Me, because Delete me will go in and remove your information from these data brokers that collect that data and they sell it off. They make money off of you. And Delete Me goes in and helps.

[A]

Remove that which we love 100%. And this actually happened to me a while back. My parents somehow got my information tied to some of their, like, real estate properties. So I started getting inundated with all these spam calls and texts because I was on these data broker sites. And so when I got Delete Me, I inputted all my information and it was like, boom, removed. Boom, removed. And it reduced all of the risk in my life. And it just helps keep me protected online and my family, my kids, my wife, what's.

[B]

After I filled out everything, it was like pulling up and it showed me old addresses that I had lived at that they had found on the Internet.

[A]

Yeah. Hey, have you lived here? You're like, yes.

[B]

No idea. Yes. It's crazy, the information that's out there. So sign up for Delete Me. If you go to JoinDeleteMe.com, smart money, you get 20% off and it comes out to less than $9 a month. So make sure that's the deal. Check it out. Gen Z and beyond. Check it out.

[A]

Everyone needs this. This is a multi generational tool that we all need. And we'll put the link in the description as well.

[B]

All right. Something else they think is cringe blindly following the traditional American dream. Oh. So they question like, do I need to really go to college? Do I need to get into the corporate world and climb the ladder? Like, Right. So they kind of are questioning, do.

[A]

I need to own the house with the white picket fence with 2.2 kids? They're rethinking everything.

[B]

Yes. I mean, they are, if you use the word, reconstructing their ideas of life. And they're like, what? What are we going to do?

[A]

Which makes sense. I mean, they were born into a time that is pretty wild and ever changing and things are very expensive. And so their goal is not necessarily to get a stable job that can afford them a house because they're wondering if that's even in the cards for them.

[B]

Yes.

[A]

And so I understand it. And I still think that there's a new American dream out there that is achievable, which is living a life with no debt, so that you have options and flexibility and margin to do the things you really want to do. And if that's travel the world, good for you.

[B]

Yes. And I will say this too. On the Ramsey show, we get calls from people in their early 20s, and they're making like $170,000. I mean, they're.

[A]

It's crushing it.

[B]

Crazy. And you're like, what are you doing? And. Yeah, and they're usually doing something non traditional, so even coding, which now is like, this is more traditional, but, like, they'll be a coder or they'll start this business or that. And, like, very entrepreneurial, very creative, too, because I think there's a lot of options out there and they take advantage of it, which I love. So great.

[A]

Good for them.

[B]

Yes.

[A]

All right, next up, they think this is cringe. Living above your means to impress. Others.

[B]

Love this about them.

[A]

They value extreme authenticity. They see through the fake because they've lived their whole lives watching these social media facades, and they're starting to go, that ain't it. I want to do me. I don't need to live someone else's life to impress anyone else.

[B]

Yeah.

[A]

Whereas previous generations, it was a little bit more of like, I want to keep up with the Joneses.

[B]

Yeah. That tagline went through so many generations where now they're like, eh, we're good.

[A]

The Joneses are everywhere. And you don't even know if it's real or not.

[B]

That's right.

[A]

You're like, is that. Did you just rent out a private jet to take a photo? So now there's a subset who are chasing that, and that's unhealthy. But I think the majority of them.

[B]

Out there, they're kind of done with it. They don't have flashiness. Yeah, they're fine. All right, last but not least, anything that takes too much effort or time, that's kind of what I was saying. Work smarter, not harder.

[A]

Very much convenience culture, make it frictionless. They value efficiency and logic and common sense, which means, like going into a store and dealing with customer service and shop, that's just too much. It's simply too much.

[B]

Just go online, avoid all human beings and just do it online, which I get.

[A]

I think that's the way society is going. Is anything that takes too much effort or time, we're out.

[B]

Yep.

[A]

But I think Gen Z is definitely pioneering the work smarter, not harder.

[B]

Yes. And I'm not. I'M not mad about it. But we do need the grit, the perseverance, because I do think on the other side, that can produce a lack.

[A]

Of patience a little bit.

[B]

Yes. Of this entitlement. Oh, my gosh. I. Yeah, it's like, come on.

[A]

Have you experienced the Gen Z stare in customer service? I get it a lot. I don't know if that's a me thing.

[B]

Yes. Well, I saw a thing about, like, millennials helping you versus a Gen Z or. And it's. It's funny. We're, like, overly like, yeah, this. And here's the options equity. Yeah. Like, it's right here. You can just, like, read the board. Yeah.

[A]

Very judgmental. And even when they don't know, they make you feel like the dumb one somehow, because they'll just stare long enough that you're like, I guess I should leave. I know this happened to me at a Home Depot, which, you know, I don't darken the door of a Home.

[B]

Depot out there in a Home Depot.

[A]

I tried not to go in. I did the curbside pickup, right?

[B]

Yes.

[A]

I'm out there for 20 minutes, and I'm like, hey, I'm here. Nothing. So I guess I gotta go in. I find the first employee I can find, and it's a young Gen Z guy.

[B]

Okay.

[A]

And he looks at me and I'm like, hey. Like, I. I finally got this thing, but it's missing the handle. I need that to, like, spray the, like, weed control. And he just goes, I don't think you got that one. I was like, no, I did, like, look at the photo of the item. I. It's right here. And he go, okay, yeah, you can just go grab another one. I'm like, I don't know where this item is. Like, that's why I did pickup. And he was like, oh, I get. I guess I can go get it. Like, it was just that level of just totally. I know. He hated this entire thing, and I hated the entire thing. I'm like, you work here.

[B]

Yes.

[A]

This should fall on you more than me.

[B]

This is your job. This is what you're supposed to do. Yes.

[A]

So anyways, I was very frustrated.

[B]

It's not all Gen Zers. It's not. But I have a friend, and she employs some people. I was actually just talking to her today. The kids went back to school, and I was talking to her on the way to work, and she. We're talking about perseverance because one of my kids got in a class that didn't. She didn't have A lot of friends. It was like kind of this thing, and I'm like, it's okay. This is a good perseverance. Like, there's me. A lot of times in life that things don't work out well. You're going to get a crappy professor in college, you're going to get, you know, I mean, like, you're going to be in situations in life and it's not going to be perfect. And you got to figure out how to do it anyway. So she was saying, she was like, yeah, a lot of the Gen Z's actually, like, they can't do hard. Like, you can't. Like, they. Anything gets away. And she's like, oh, my gosh, I need like that grit, that perseverance. Right. It's not all of them.

[A]

Yeah. And this also applies to other generations. I've had terrible experiences with customer service with Gen X and boomers.

[B]

Oh, sure.

[A]

Who go that we. I don't, but I think they just don't know how to do it.

[B]

But they get uncomfortable. But I think the point though, the fear is if it takes too much effort or time can create someone that can't, like, do it, like, do the hard.

[A]

I just want some resourcefulness.

[B]

Yes, that's right. That's right.

[A]

Yeah, yeah, yeah.

[B]

So that's what we don't want. But I don't think most Gen Zers are like that because they're great. We love a Gen Z. Er, we.

[A]

Love a Gen Z or Gen X. Rand, Boomer and Milino.

[B]

We love them all.

[A]

We love them all. I have to say, we love them all.

[B]

All right, so I'd say takeaway of this episode, George. Every generation has their pros and cons. I think they all have something to offer us. All of them do. And some of them I think we all can look at and be like, we think you're cringe in this area. Even millennials.

[A]

And there's also, in every generation, there's the ones that kind of suck and they're the ones that are amazing that you're inspired by, whether they're Gen Z or boomers.

[B]

And financially, there's the ones that still struggle all the way to their boomer years. Right. And then some that do great, vice versa. So your age and all of that, I'm gonna say, doesn't matter. It's your habits, how you view money and all of it that's gonna sustain you long term. And that's why it's so important, I think, to have a plan, to have a direction to Know what you're doing with your money. That's why the Ramsey plan and the baby steps is there. That's why it was built to be like, hey, here's a path to go. Walk the path. So regardless of your age, generation, and.

[A]

There'S something to learn from every generation. So I always try to ask questions and gain wisdom, regardless of what age they are, what their experiences teach you a lot. But if you have terrible social skills and bad customer service, I'm out.

[B]

Okay, George is done.

[A]

I'm out.

[B]

Not going to the Home Depot. All right, before we spill the tea on our guiltiest charge segments, what do you rate it, George?

[A]

Let's see. Let me give it another second opinion. I'll go seven out of 10.

[B]

I think I'm gonna go 10 out of 10.

[A]

Wow.

[B]

I would genuinely drink that at dinner. I mean, I'm enjoying it.

[A]

Okay, so it does have a richness to it that I think has been rare in the mocktail world. This is a BlackBerry vanilla mocktail. It cost $2.76. That is price. Did we use organic blackberries in this? I don't know.

[B]

Hey, that's my. It's a bougie drink. That's probably why I like it.

[A]

She likes it. It's got blackberries, lemon juice, vanilla extract, raw honey, and ginger ale.

[B]

Delicious. I love it.

[A]

So recipes in the show notes. Give it a try this weekend. Fun for the whole family.

[B]

All right, George, now it's time for guilty as charged. And this is where we ask each other guilty as charged question every week. And if we're guilty, we take a sip.

[A]

All right, George, you ready for this one?

[B]

Yeah, I am. Have you ever spontaneously spent something over a thousand dollars?

[A]

Oh, wow. Yeah, it's gonna take me a minute in the Rolodex.

[B]

I did.

[A]

Well, this was recent for you.

[B]

I'm guilty. Last night.

[A]

Last night. Okay, riddle us the tale. What happened? Was it worth it?

[B]

I don't know yet.

[A]

Is Winston okay?

[B]

I don't know when this is. I know I had to, like, ease in to be like. Because it's a trip. It's next weekend. This. Can I just tell you, though, all of this is, like, what I thrive on, because I don't get to be spontaneous in life anymore. I got work schedules, I got kids scheduled, everything scheduled. I mean, yeah. I mean, you're just like to take off within like a seven day notice.

[A]

Almost impossible, but that adrenaline rush.

[B]

But the Holy Spirit allowed this to happen.

[A]

We're bringing the Holy Spirit.

[B]

And I was like, oh, my Gosh, Literally that whole weekend, I was like, we genuinely don't have a lot for kids now. This weekend, the weekend after that, it's chaotic. Birthday. Oh. Sports. I mean, all of it. But for some reason, it's an open weekend. And so I.

[A]

The angels smiled upon you.

[B]

So I bought with two of my girlfriends. Girl. Hey, girl. Backstreet Boys tickets to the Sphere in Vegas.

[A]

Oh, my goodness. Okay. That. That does feel like once in a lifetime.

[B]

Oh, my gosh. So we all had dinner last Friday night, and someone brought it up, and they're like, well, let's try to go, like, in September. I was like, y', all, no, it was only through the summer. Cause I wanted to go. I mentioned it on this show, like, a few months ago. I wanted. When I heard they were doing the residency at the Sphere, I was like, how? I want to go. But this summer, I mean, I didn't. We. It just happened.

[A]

Life happened.

[B]

Yep. And my friend was like, let's try to go in September. I'm like, no, it's. They literally end. I think it's, like, August 20th. And she was like, what? And we dropped it. And then Sunday afternoon, I got a dm, actually, from someone. No joke. I didn't end up buying their tickets. Sorry. But she was like, heard you want to go to the Bastard Boys concert. Me and two friends can't go anymore. Like, here's some tickets. They're on resale on Ticketmaster, but if you want, I'm like, here they are. Not to give. She didn't give them to me, but it would be like, you can buy them. And that just sparked the flame. George.

[A]

I was like, so in your mind. Is that the Holy spirit?

[B]

So I texted my two friends, and I was like, guys, there's these tickets. We don't have to buy these specifically, but should we try to go? And one was like, I don't know if I can swing it. And one was like, I'm in. And I was like, oh, my gosh. I think I'm in. I haven't talked to Winston, but I think I'm in. I can figure it out. And, yeah, so we're doing it.

[A]

And the third friend opted in.

[B]

She ended up. Yep. Coming back two hours later, she said, I'm very stressed. I have a lot of anxiety about this, but I'm gonna say yes. We were like, yes.

[A]

Where three or more gathered. That's.

[B]

I think that's right.

[A]

That's. In second. Hesitations. No, I. Thank you. Dad jokes. We got them.

[B]

Dad jokes.

[A]

I'm so excited for you. Genuinely. I.

[B]

So we're flying out on, like, a Friday afternoon. We get back by Sunday afternoon, it's 48 hours. And I might play some craps.

[A]

Wow. When in Rome.

[B]

Or a nickel slot. I've never done a slot.

[A]

Oh, yeah.

[B]

And I did some nickel slots.

[A]

Those are my favorite. You really get the bang for the buck there, because you could. You could kill an hour and spend 20 bucks. I'm like, that's a good hourly rate.

[B]

I think that's fun. Yeah. So I'm gonna have an envelope with cash, and I'm like, here's money. And if I want to do, like, the knuckle salts, here it is. And when the money's gone, I'm done. Right. Not. I'm not doing any more.

[A]

That is a principle I've seen you live by, and I respect that.

[B]

Yes. But anyways. But I did it.

[A]

Living your best life. And Winston, what was his response to all this? Because, like, I want to know what the proper response should be from a spouse.

[B]

Yeah, I mean, he. I don't do this a lot, so. Yeah, he was like, yeah, let's figure out a couple of things.

[A]

Okay. He wasn't reluctant. He had no pushback. He was like, all right, we'll figure it out.

[B]

At first, there was, like, kind of a. We'll make sure that this and this. And so we had to. Yeah, do it for us.

[A]

Does he get, like, a guy's weekend? As.

[B]

See, that's. Can I say this? I'm a really awesome wife. Because anytime there's a guy's weekend.

[A]

Can we vouch we have your daughter here? Can you vouch for that? Is she a great wife?

[B]

She's a great wife. Whenever he has a guys, we can come up. I always might do it, do it. And then when he's on the guy weekend, I'm like, don't text or call unless you want to check in. But I'm not gonna be like, checking in.

[A]

Where are you? What are you doing?

[B]

Just go. Yeah, just.

[A]

You go complaining about him being gone and how hard it is at home.

[B]

I mean, that's awesome. That's an awesome life. So anyways, and it's not like a scorekeeping thing, but also kind of is.

[A]

That's what I was kind of getting.

[B]

At when you present it.

[A]

So question. If I text Winston, I was like, hey, bro, Backstreet Boys of the sphere, you win. Hey.

[B]

Oh, do the meme. There's a Backstreet Boys meme. And it's like, we're Going to Vegas. Send him that one.

[A]

I would love a spontaneous boys trip with Winston.

[B]

Oh, do you go to the Sphere with Winston?

[A]

That's what I'm saying. Or what would Winston's version of this be? Where he would be like, yes, I'm in. Like, what is his band or his experience? He would be. Is it a hunting trip or is it.

[B]

Yeah, it would be more so camping. One of his friends bought a lake house and they were redoing it and took out everything. Like a complete Renault. They had not renovated it yet. There was nothing. Was gutted. And they went and brought air mattresses and slept.

[A]

Yes.

[B]

In the. In the house.

[A]

That's what's up.

[B]

That and then bands. He has weird. He likes bands that no one's ever heard of.

[A]

Have I heard of them?

[B]

There was one I tech. I remember we were talking about it.

[A]

And you text me and I was like, oh, yeah, I love that.

[B]

Young. No, it was like the. The young. Oh, shoot, I can't remember.

[A]

Young and the Restless.

[B]

Anyways.

[A]

Young, the giant. I don't know. Head in the heart.

[B]

Anyways, he would do that. He would do like a music. Yeah, all right. Music thing.

[A]

I'll find one for Winston because I feel like he deserves this. Okay, boys trip. I will not go camp.

[B]

What's yours? Anything over $1,000 spontaneously.

[A]

It only house stuff for him. Like, I can justify it easily. Like, boy, math it, you know, figure it out, but nothing. That's so spontaneous because I'm very much a planner.

[B]

I know.

[A]

Yeah, yeah, so my wife convinced me, but I probably wouldn't come up with the idea to go spend that much money spontaneously.

[B]

Yeah, no, I hear you, but remember.

[A]

You got to cash flow this in the budget. This is not your permission to go into debt to do something crazy.

[B]

No, of course not.

[A]

I just want to put that out there. Thanks.

[B]

We're all responsible.

[A]

Core memory.

[B]

All right, well, if you guys have any fun guilty charge questions, make sure to DM us. And if you enjoyed this episode, you're going to love our episode. And is Gen Z financially doomed? Let's talk about it. That is coming up next, and we'll also link it for you and make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.