We Paint and Sip While Exploring Financial Gender Stereotypes

Summary

Smart Money Happy Hour – Episode Summary

Podcast: Smart Money Happy Hour with Rachel Cruze and George Kamel
Episode: We Paint and Sip While Exploring Financial Gender Stereotypes
Date: November 6, 2025

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Episode Overview

In this lively, tongue-in-cheek episode, money experts and friends Rachel Cruze and George Kamel invite listeners to join them for a paint-and-sip activity while exploring the often humorous, sometimes serious gender stereotypes surrounding finances. Between brush strokes and banter, they break down popular data and share candid stories about how men and women approach spending, investing, socializing, and running a household. The episode weaves personal anecdotes, friendly jabs, and real financial wisdom with plenty of laughs and insights on how stereotypes play out—and sometimes break down—in real life.

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Key Discussion Points & Insights

Setting the Scene – Paint, Sip, and Stereotypes

• Rachel and George kick off with a bourbon cocktail and explain the episode’s theme: painting each other’s portraits while addressing male/female financial behaviors.
• Rachel’s nervousness about painting and George’s playful confidence set a joking tone, with lots of friendly teasing about each other’s artistic abilities.
• (See: 00:13–02:00: Playful banter about painting, social activities, and gender differences)

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Social Spending: Men vs. Women

• Women’s Social Activities: Rachel describes the range, from showers (baby, wedding, “sprinkles”) and workouts to happy hours and book clubs, emphasizing how socializing can skew expensive or budget-friendly (02:05–02:54).
• Men’s Social Activities: George jokes that men prefer activities that don’t require eye contact, like sports, comedy shows, the gym, poker nights, and sports bars (02:57–03:47).
  • Quote: “Men don’t want to make eye contact with other men. So they like to do things where they’re looking at a thing.” – George (02:57)
  • Both agree bar food is a unifier; “Women love wings,” Rachel says (04:20).
• They discuss local favorite spots in Nashville and lament the challenge of gluten-free eating out (04:36–05:51).

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Paint and Sip: Multitasking and Multilayered Chat

• As they begin painting, they debate brush strategy and joke about art class trauma and music tastes (07:03–13:01).
  • Notable Quotes:
    • “You know what? I have a scar. Like a wounded emotional scar. Cause that’s what all the art teachers [say], ‘You never can mess up.’ Well, I messed up…” – Rachel (11:15)

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Stereotypes in Money Behavior: Deep Dive

1. Entertainment Purchases

• Stat: Men spend much more than women annually on athletic/fitness gear, equipment, and fireworks ($675 vs $141) (09:08–10:00).
  • “Guys love gear.” – George (09:34)
  • Rachel admits she doesn’t really enjoy fireworks, despite the stereotype.

2. Shopping Habits

• “Men buy, women shop”: Men like research and getting the “best” product, while women may prefer weighing options and window shopping (10:18–10:44).
  • Rachel counters the stereotype, saying she’s an efficient, decisive shopper (10:51–10:55).

3. Apparel Spending

• Stat: Single women spend 1.7x more on clothes/shoes/accessories than single men (14:05).
• Rachel confesses she fits the trend; George describes the athleisure “lazy” vibe among men (14:45–15:36).

4. Single-Women Homeownership

• Stat: More single women (11.1 million) own homes than single men (8.4 million) (16:43–17:30).
  • Rachel and George chalk it up to women’s greater emphasis on responsibility and stability.
  • “A home represents stability for women.” – George (17:35)

5. Retirement Savings Gaps

• Stat: Half of both men and women lack retirement savings by age 55 (18:40–19:00).
  • They stress the urgency of starting to invest earlier for compound growth. George plugs Ramsey’s free investing guide.

6. Alcohol Spending

• Stat: Men spend $542/year on alcohol, women $257 (23:20–24:09).
  • “Is it weird that that feels low to me?” – Rachel (23:34)
  • Rachel jokes about honesty on surveys vs. real life spending.

7. Pet & Vehicle Costs

• Women spend more on pets; men spend nearly twice as much on vehicles (24:43–25:41).
  • George: “I think women tend to dress for other women. Men tend to drive for other men.” (25:41)
  • Rachel shares a funny story about her husband’s fascination with truck tires (26:16–27:02).

8. Household Buying Power

• Women hold 80–85% of household buying power (28:46–29:47).
  • George: “Anything that’s not like a major purchase, usually the women are handling it.”
  • Discussion of the “mental load” women often carry in households (29:41–30:00).

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Gender Pressure and Ego

• George reflects on how society pressures women more with consumer expectations but suggests men “keep score” financially and compete in different ways (36:41–37:06).
  • Rachel agrees, adding: “[Men] find their ego in golf club and their stuff… Women have more pressure outwardly.” (36:47)
• Both emphasize that generalizations don’t fit everyone, and there’s room for healthy, value-driven spending regardless of gender.

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Painting “Reveal” – Hilarity Ensues (31:40–35:19)

• Each reveals their painting of the other, with roasts about artistic talent and good-natured critiques (“You look like a Guess Who character” – Rachel, 33:01; “You need an anti-inflammatory diet” – George, 32:52).
• Memorable Moment: George compares his portrait to a “hot dog on the roller too long at 7/11” (33:03); Rachel says she’d never be a police sketch artist.

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Rapid-Fire Q&A: Real-Life Budgeting and Social Expenses (38:02–41:09)

• Q: What social expenses do you dislike?

  • George: “When the experience doesn’t live up to the cost—like a mediocre, overpriced restaurant.” (38:42–38:54)
  • Rachel: “Totally agree—bar food is often more fun and memorable.” (38:54–39:04)

• Q: Which budget category causes disagreement at home?

  • Rachel: Clothing—she enjoys updating her wardrobe more frequently than her husband (39:14–39:58).
  • George: Wife refreshes her wardrobe often, but returns many items—he admits he sometimes overspends on hobbies and unused gear (40:15–40:51).

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Tips for Budget-Friendly Socializing (41:09–43:16)

• Ideas:
  • Movie/game nights, BYO takeout, backyard snacks and drinks
  • “After-dinner hangs” with minimal prep; low expectation for hosts
  • Recurring supper clubs/potlucks for consistent connection (“If it’s not on the calendar, it just won’t happen.” – George, 42:34)
  • Rachel: “Women hang out more because they’re better on the admin side—men just say ‘let’s hang’ and never do.” (42:39–42:43)

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Rating the Drink (43:23–44:36)

• Bourbon Carajillo — George: “9/10, would order at a restaurant.” Rachel: “7/10, good but not my first order.”
• Cost per glass: $3.83

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Guilty as Charged – Memorable Moments (44:36–48:02)

• Both admit to social events gone sideways: George references a wild game of “Secret Hitler” and the dangers of introducing politics at supper club. Rachel agrees group disagreements are best avoided—one-on-one conversations work better.

  • Quote: “Keep your casual friends hanging casual. Don’t get too serious.” – George (48:02)

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Notable Quotes & Memorable Moments

• “Men don’t want to make eye contact with other men. So they like to do things where they’re looking at a thing.” – George (02:57)
• “You know what? I have a scar. Like a wounded emotional scar. Cause that’s what all the art teachers [say], ‘You never can mess up.’ Well, I messed up…” – Rachel (11:15)
• “I think women tend to dress for other women. Men tend to drive for other men.” – George (25:41)
• “A home represents stability for women.” – George (17:35)
• “You look like a Guess Who character.” – Rachel (33:01)
• “You need an anti-inflammatory diet.” – George (32:52)
• “Keep your casual friends hanging casual. Don’t get too serious.” – George (48:02)

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Important Timestamps

• Social Stereotypes: 02:05–04:34
• Men Buy, Women Shop: 10:18–10:44
• Single Women Homeownership: 16:43–17:30
• Retirement Saving Gaps: 18:40–19:21
• Alcohol & Pet Costs: 23:20–25:00
• Painting Reveal: 31:40–35:19
• Gender Pressure/Ego: 36:41–37:24
• Budget Disagreements: 39:14–40:58
• Low-Budget Social Tips: 41:09–43:16
• Guilty as Charged: 44:36–48:02

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Tone & Style

The tone throughout remains playful, self-deprecating, and genuinely friendly, with George and Rachel’s chemistry bringing levity even to serious topics. Their approach allows for relaxed, judgment-free discussion of gender roles and money habits—anchored by the episode’s whimsical paint-and-sip format.

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Summary Takeaway

Rachel and George agree that although gender-based financial stereotypes exist and are supported by data, everyone benefits from understanding their own habits and focusing on value-driven, debt-free spending. They encourage communication, humor, and a willingness to embrace the differences—and common ground—between men and women when it comes to money. All while having a little fun (and making a mess) with paint, cocktails, and candid conversation.

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For more practical money tips and real-life stories, subscribe to Smart Money Happy Hour and catch the next episode: "Men vs Women: Who Handles Money Better?"

Transcript

[A]

Today we're exploring how men and women spend their money but make it artsy.

[B]

Oh, I'm so nervous right now.

[A]

I don't even. Why did you give me so many brushes?

[B]

More single women are homeowners than single men.

[A]

What do you think is behind responsibility? One, two, A spitting image.

[B]

Hey, guys, I'm Rachel Cruz.

[A]

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

[B]

Cheers, George.

[A]

Cheers. This is easily one of the best episodes we've ever done.

[B]

Can I do my intro first?

[A]

Yeah.

[B]

Wow, you're jumping the gun.

[A]

I'm just so excited.

[B]

He is so happy that this is a podcast where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money. All right, George, what are we sipping on?

[A]

We are sipping on a bourbon. Carajillo. I don't know if that's how you pronounce it, but it felt culturally accurate.

[B]

I like it.

[A]

Can you try it for me?

[B]

Say it. You say it again.

[A]

Carajillo.

[B]

Carajillo.

[A]

That was pretty good. I don't think. I don't know that we roll the.

[B]

R. I'm good at rolling my R's.

[A]

I'm not sure that requires Spanish.

[B]

Would be my second language if I had to pick.

[A]

You barely got English down. Let's not get ahead of ourselves, Rachel.

[B]

Okay.

[A]

Hey, stick around till the end, though. We're gonna rate the drink and reveal the cost per glass. And this one feels expensive. This feel. My guess is this is $4.38.

[B]

Ooh, fun guess. I'm going 424. Bob.

[A]

Gosh, I knew you were gonna do that. All right.

[B]

Okay. Oh, we can't wait to tell you about all this, y'. All. This is gonna be fun. It's gonna be a fun episode because we are, like, brainstorming, you know, what are things about money. And this whole kind of opposite sex came up of, like, men versus women. And activities are so different.

[A]

Like, women being social.

[B]

Yeah, when we are social as women. I mean, it's everything from beach trips. Yeah, girl, let's just go. We got our showers. We got our baby showers. We got our wedding showers.

[A]

You guys love a shower. We even love a sprinkle.

[B]

A sprinkle.

[A]

That's a new thing for me.

[B]

Baby number two. You know what that is? You don't get a full shower, but you get a sprinkle. But we're all up for a party. We love a happy hour. I went to dinner with some friends, and there was a whole group of other women at the bar doing their happy hour. And I just like, good for you girls.

[A]

You have a whole show that has the word happy hour in the name.

[B]

Oh, my gosh.

[A]

That's how much you love a happy hour. I was like, did she forget?

[B]

That is the name of this show. We have workout classes. We got our yoga, we got our Pilates. We got our barre spin. You know, any class you want. Book clubs. So anyways, we have a lot. We have a lot of ways to be social. The ladies and gentlemen are very.

[A]

They like to connect.

[B]

Yeah. And some can be expensive, some more budget friendly.

[A]

I would say men are similar but different in that they don't want to make eye contact with other men. So they like to do things where they're looking at a thing. Yes, but not at each other.

[B]

That's right. You have to have.

[A]

But together. You know what I mean?

[B]

100%.

[A]

Because if they look too much into their eyes, they might think about their dads. And that's when things go south. So we got to avoid eye contact. That's key for men's social events. So here's what men like to do. Again, these are stereotypes. So if you're like, I like anime. This isn't for you. We're just going generalizations here. Sweeping generalizations. Men like to go to sporting events.

[B]

Yes.

[A]

Could be Little league baseball, screaming at the kids. Could be an NFL game. Either way, they're happy.

[B]

Who knows?

[A]

Comedy shows. That's what I'm personally into.

[B]

Okay.

[A]

John Deloney and I love to go to a comedy show sometimes together. Sports bar with the boys, just eating wings.

[B]

Watching the Buffalo Wild Wings when the bears are on.

[A]

Little B dubs never hurt anybody. That's what I say. Gym memberships. Guys love to be at the gym for two, three hours. I don't know what they're even doing there.

[B]

What are they doing?

[A]

It's too much. Poker night. Play some cards. And here's the thing. Honestly, most girly activities could be made into coed events for couples if you try hard enough.

[B]

More on the women's side, though, I.

[A]

Would say it's harder. Yeah, but some women like the guy stuff. Like they want to watch the game.

[B]

Yeah, yeah, yeah. That's fair.

[A]

You know, women can enjoy poker and wings.

[B]

That's good.

[A]

Women love wings.

[B]

I do.

[A]

My wife loves wings.

[B]

I love wings. Same.

[A]

No, sports needs to be involved.

[B]

Anytime we get, like, a pizza order, because we do that a lot at our house. Papa John's or Jets or whatever, we always add some wings in.

[A]

It pairs well, it does. Pizza and wings.

[B]

I love bar food though. Love bar food.

[A]

What's your. You have a local spot that you like to go to.

[B]

You're gonna ask what's my favorite?

[A]

Anything fried and cheesy. Rachel's into.

[B]

I love mozzarella sticks more than anything. Okay. So yeah, here in Nashville, I mean, if we're going super local. Cause it's great with kids because it's always loud. There's always big tables you can get, you know, like you're not.

[A]

But you're not gonna make a nuisance with kids. It's already chaos.

[B]

Yeah, yeah, yeah, that's right. So you're like, oh, yeah, let's go. This is great. We love Jonathan's.

[A]

Jonathan's grill.

[B]

Yeah. And then next to his brewhouse.

[A]

Yep.

[B]

So those two, we can always get in one of those.

[A]

Great. Hey, if you're in the. The Cool Springs area in Franklin, Tennessee.

[B]

I mean, they're not. They're like suburban sports bars.

[A]

Yeah.

[B]

I don't know.

[A]

I don't know. Like what chain? I guess Buffalo Wild Wings would be considered a big chain kind of sports bar.

[B]

Uhhuh. So fun. Do you like a sports bar?

[A]

Okay, here's the thing. A lot of sports bar food is not gluten free. It's a lot of. You know what I mean, Fried. It's carbs. So it's just less fun for me.

[B]

Yeah, it's fair. You drink beer being gluten free.

[A]

Yeah. There's gluten free beers and ciders and like a normal.

[B]

Cause it has yeast.

[A]

Normal beer. You can't do it.

[B]

Wow, George, I didn't think about that. Thanks for thinking of me. What good, like draft beer. You can't have.

[A]

No, no.

[B]

Oh my gosh.

[A]

Yeah. Although back in the day, I enjoyed a Sam Adams. A nice crispy lager. A crispy lager would do it for me.

[B]

That's fair. I like it.

[A]

But they have alternatives now.

[B]

Okay, good, good, good, good. So one of the trends though, of a ladies night out is the paint and sip.

[A]

I've heard about these.

[B]

So you can go and like have a glass of wine and like draw a picture and then you have an artist in front of you. And then social media took like a spin on it. We're couples, which we are not a couple. But they will go out on a date and draw each other's picture.

[A]

Yes.

[B]

So I told George we should do that on a Smart Money happy hour episode because I'm a horrible artist. Like, I. I can't draw.

[A]

However, Bad you are at singing. Make that worse.

[B]

It's all in the same category, in the same realm of life.

[A]

But to be fair, you have many other talents. Yeah, that's fine.

[B]

My self esteem is great. Like, I feel really good about myself.

[A]

I just. I'm not a great artist either. But compared to you, I am probably Picasso.

[B]

So we're going to put on these aprons, and we're going to start painting each other's faces.

[A]

I feel like I'm just wearing a big bib. You know what I mean?

[B]

You look great.

[A]

I think I'm about to just, like, crunch. Crunch into a lobster. Just a whole lobster.

[B]

Oh, yes.

[A]

You know what I mean?

[B]

That's like how to lose a guy in 10 days vibes.

[A]

All right.

[B]

Okay, so we have some topics to discuss, George, while we paint. Okay.

[A]

We're already not good at painting. Now we have to multitask. I know.

[B]

That's what I'm telling you. Okay, so I think the easiest way we're gonna do this. I think I'm gonna just hold mine and paint this way.

[A]

I'll attempt to do the same.

[B]

And we have lots of brushes. They remind me of makeup brushes.

[A]

Oh, that's what makeup brushes look like.

[B]

Oh, my gosh. Okay, so. Geez. Oh, I'm so nervous right now.

[A]

I don't even. Why did you give me so many brushes? There's 7,000 brushes here. Like, what do I start with?

[B]

Okay, my question is, how big are you doing? My head. Are you going, like, big, or are you gonna go small?

[A]

You want it to fit the canvas. Well.

[B]

Meaning. Well, what does that mean?

[A]

It's about as. It's about to scale. Like, think about real life.

[B]

So you may go big. Like, we're not doing, like, a little face.

[A]

No, no, no, no, no. It's gonna be okay. Yeah. Like, the top of your head will be close to the top. All right.

[B]

Okay. I feel like I need.

[A]

What do you start with? I guess the thin, wispy ones.

[B]

I'm scared. I'm gonna start to paint your face. Shoot. Okay, hold on.

[A]

All right, Rachel, before we start painting, I want to make sure everyone knows this is an episode you kind of want to watch. So make sure that you're watching on YouTube or Spotify or the Ramsey network app. Cause you can't really hear us. Paint.

[B]

Yeah. Our beautiful face.

[A]

I'm not a loud painter. All right.

[B]

Okay. So seriously, though, I guess a face is not a circle. It's an oval.

[A]

You're onto something.

[B]

Okay. Okay. Okay, good. I feel like the First, I feel like we need a pencil.

[A]

Yeah, that would have been smart. Does anyone have a pencil, or do.

[B]

We just go rogue?

[A]

All right, we're being told to go rogue.

[B]

What brush are you using?

[A]

I'm using a wispy one.

[B]

Oh, shoot. Why? For my face.

[A]

Yeah, I kind of want to make. This is kind of my pencil. And then I'll start to kind of fill it in with the thicker ones.

[B]

Oh, my gosh, you're so smart. Okay, I'm going to do that, too.

[A]

None of these look like your skin tone.

[B]

That's what I'm. That's what I'm saying. Okay. I think I just already messed up.

[A]

I can't even see your face. How am I supposed to paint you?

[B]

I'm sorry. Sorry. All right, here we go. Let's get into some content, George.

[A]

All right, here we go.

[B]

Men spend more on entertainment supplies. Oh, this is interesting. Okay, so think about, like, indoor exercise equipment, athletic shoes, fireworks, all the things. They spend on average $675 per year on this stuff where women spend 141 on the same category. What do you think about that?

[A]

Wow. I guess it makes sense. I mean, guys are more into, like, generally, if they're into fitness, they're really into fitness. They want all the gear.

[B]

Yes.

[A]

Like, guys love gear.

[B]

Yes.

[A]

And so if it's an accoutrement, they have to have the best running shoes, whereas women can make do with what they have.

[B]

Yeah.

[A]

Or they'll go to, like, a class, you know?

[B]

Yes.

[A]

I would say that fireworks is an interesting one. I guess guys are more prone to want to blow things up for fun.

[B]

I know.

[A]

Are you a fireworks person?

[B]

You know, no.

[A]

Okay. Thank you for your honesty.

[B]

I will enjoy a fireworks show when it's appropriate. Fourth of July, all the things. But there is a part of me that I'm like, after, like, four of them, they are kind of all the same. You know what I mean? And everyone's like, ooh, like, even an.

[A]

Amazing fireworks show 10 minutes in, I'm like, all right.

[B]

Yeah.

[A]

Like, unless you get a smiley face or something really exciting in there.

[B]

Hey, you know the new cool stuff is the drones. Have you seen these drone shows where they create, like, actual objects? Oh, yeah, those are cool. Ooh, I like this brush. Okay. Men buy women's shop, so that's an interesting way. So men love to research the best product and go and buy. Women enjoy the process of weighing options, looking around, see, and. I don't know. I don't. I think I am More. I'm not a researcher. I'm a. I see it, I want it. I'm gonna buy it and call it a day. I don't like to window shop.

[A]

You're pretty decisive.

[B]

Yeah, I don't like to window shop.

[A]

Do you go into stores?

[B]

Are you filling in my face with like, a color?

[A]

I will eventually. I'd kind of like to get an outline going. I've just. That's why I've seen Bob Ross do it.

[B]

Okay. Okay. I think I'm doing this wrong. Can I paint on top of paint?

[A]

Yeah, that's how paint's supposed to work.

[B]

Okay, good. Okay.

[A]

You're doing great. There's no wrong answers. Just bad painters. That's what I always.

[B]

You know what? I have a scar. Like a wounded emotional scar. Cause that's what all the art teachers like, you never can mess up. Well, I messed up. I remember on one painting, and she's like, you can make it into a flower. And it was the stupidest looking thing. And she's like, it's your own. It's beautiful. I'm like, it's not true. It's like when people are like, that's a stupid. There's no stupid questions.

[A]

I'm like, there are. In your mind.

[B]

There probably could be. I mean, like, I don't think that's like a black and white statement. Same with art. It's like, it's not beautiful. It's not. You can just say it, Ms. Tucker. It's just not.

[A]

While art is subjective, it can also just be bad, too. Kind of like music. There aren't objectively just bad songs, I guess. And then there's like. Well, that's not for me.

[B]

It's the eye of the beholder.

[A]

Like you like. I don't know what you listen to these days.

[B]

I know. The goodness of God in Taylor Swift. It has not changed.

[A]

Same exact soundtrack. What about the new Taylor? Are you excited for that?

[B]

Yes, I am. And she and Wicked. Two second part of Wicked, they're all coming out kind of around the same time.

[A]

Wow.

[B]

Poor Winston. We are going to have some music in our household.

[A]

What's Winston listening to these days?

[B]

He listens to bands I've never heard of.

[A]

Like indie bands or like folk. Yeah, jazz. What are we talking?

[B]

No, it's like indie punk.

[A]

That's.

[B]

Is that right?

[A]

A genre? Okay, okay.

[B]

No, I don't know. I mean, I don't know.

[A]

Can I say you have multiple hair colors? What's that called?

[B]

Highlights.

[A]

Oh, highlights. I knew it wasn't A balayage?

[B]

No, I did a balayage once, and it was not good.

[A]

I feel like that. Has that faded out. Like, is that not on trend? People don't really do balayage.

[B]

Not as much anymore. I still think they're pretty.

[A]

I gotta say. I'm kind of nailing the hair. That's the easiest part.

[B]

I just have. I just have a round circle in it filled in. That's all I have.

[A]

You know what? We're all children of God, so no matter how you make me.

[B]

I don't know what to do. Oh, man. I think I. I think I already messed up. George.

[A]

That's okay.

[B]

Oh, man. Your hair okay. Like, okay, now we're gonna do that.

[A]

Like a good dad. I'm not Matt. I'm just disappointed. That's the worst case scenario.

[B]

I'm going to cry.

[A]

Yeah. I'm on the research side for men Buy, women shop. I'm with. I don't. Going into a store can be stressful for me. Unless I really need to see it, touch it, feel it, test it. I'm going to just do it online and then return it and fight to the death to make the return happen. All right, I got. I got the hair down.

[B]

I mean, this is so. I'm just going to keep going. I just. I don't know what to do. I feel a little paralyzed.

[A]

It's okay. You know what? Quit while you're behind. Next on the list, single women spend more on apparel than single men. Women spent 1.7 times more than men on clothing, footwear, and accessories. Do you spend more or less than that in your house, Rachel?

[B]

I would say more. Yeah. I would say that's fair.

[A]

Is it? Because Winston, he's a man of simple taste. He's like, I got seven shirts. Why do I need more?

[B]

So he'll find a shirt or a style that's really great, and then he'll just use it. Okay, here we go. We gotta go.

[A]

I gotta move on to the face. I've been really postponing that.

[B]

Hey. And one brand that he loves as well is Cozy Earth, because their clothes, like, all their athleisure wear and stuff, it's just amazing. It's so good, y'. All. Even this weekend, I was wearing their pants and shirts, top and stuff for the weekends, and it's just so comfortable. And they're soft. Wash cotton sheets.

[A]

Yes.

[B]

Especially coming into, like, the fall winter vibes. Oh, my gosh. Amazing.

[A]

It's like that, like, lived in clothing. You know, you put it on the first time like, this is nice.

[B]

Yes.

[A]

Imagine that while you sleep all the time.

[B]

It's so great. It's so great.

[A]

The best. And I just pulled out the. Now that it's getting a little cooler. The big old blanket.

[B]

Yes.

[A]

The cuddle blanket. Yes.

[B]

Phenomenal.

[A]

And my little daughter Mia had the best time in there. We just. We hung out and just made a little fort, which. That thing is like. That's got some weight to it.

[B]

Yes.

[A]

So it was serious, but it was like she was cuddled by a thousand teddy bears is what it felt like for her, so she loved it.

[B]

So sweet. Yep.

[A]

They got 40% off when you use the promo code. Smart money at checkout or go to cozyearth.com smartmoney. We'll drop a link in the description as well.

[B]

Fabulous.

[A]

So maybe the guy should spend a little more now. You know, I think women want to see guys with better fashion sense.

[B]

That's probably fair.

[A]

Guys are like. I feel like the vibe now is, like, lazy athleisure, you know, just like some old gray sweats, some tube socks, some slides. I think we need to step it up, guys.

[B]

Yep. I'm a little stuck.

[A]

You're like, how do you make someone that handsome on paper?

[B]

How do you do eyes?

[A]

Oh, your eyes are way too close. I apologize in advance. You have a very natural. Can I get a good look at the brows here? What are we working with? Are we doing the thin brow these days? No, I'd say you have a medium brow.

[B]

No, medium. Okay, I gotta do. I think I'm gonna do your glasses first before I do your eyes, which might be dangerous, but here we go. What's the shape of your glasses? Straight and then circle.

[A]

Is it sort of not quite oval, not quite circle.

[B]

It's really hard to get, like, a thin line.

[A]

Yeah, I would agree with that. They did us dirty with these brushes. I required more professional equipment.

[B]

You know something else I love is that more single women are homeowners than single men.

[A]

Now, that's interesting.

[B]

Yes. So women own around 11.1 million homes. Single single men, 8.4 million.

[A]

Okay. I'm trying to help me understand that. What do you think is behind responsibility?

[B]

Hard work.

[A]

Oh, that makes sense.

[B]

Guys are like, dude, that's like, Yeah. I don't know. It's so hard. Like, it's so hard to get a house these days. Like, I don't know what to do. And girls are like, just step aside. Let us just.

[A]

Single women. So, okay, it's just single women versus single men. I do think Single women have more fiscal responsibility.

[B]

I think so, too. And it may come from out of, like, a safety element, too.

[A]

That's right. Dudes are willing to, like, live off, you know, on the edge of their seat a little bit more. They'd rather put the money into, like, a car and have a big car payment and rent.

[B]

Yep.

[A]

They're not as concerned about stability. And I think a home represents stability for. For women.

[B]

Yeah.

[A]

So that trash.

[B]

I would see that. And there's a part too, of, I think, like, if I'm doing well and I can, I'm gonna go ahead and continue to, like, advance where I want to be, where I do feel like some guys. I don't know. Yeah, I guess it's just like what you're saying, but it is, like, the priority is different maybe. I don't know. But that's what I'm going to say. Okay. I tried to get your nose. You can't really see. Yeah. I don't know. How do you do. How do you do a. A part of your face that is the color of your face, but It's a show up 3D, you know, or 2D. I guess that's what it would be. Does that make sense?

[A]

Sorry, I just bought. Can I get a straight on visual of your nose? Cause I just did you real dirty here. Can you look at me? Right?

[B]

Yeah, I will.

[A]

Okay. This. It's looking not okay.

[B]

It's fine. It's fine. All right. Zero judgment. Zero judgment.

[A]

Okay, we're gonna move on to the math.

[B]

Half of men and women lack retirement savings. 50% of women and 47% of have no personal retirement savings at age 55. Yeah, that's not good.

[A]

How is that weird?

[B]

We got to start investing.

[A]

You're telling me like, half of everybody has zero in retirement by age 55.

[B]

That's what it's saying.

[A]

That's U.S. census Bureau. Why would they lie? They have no reason to lie.

[B]

Yeah, they don't care.

[A]

It's the government, Rachel. Why would they lie?

[B]

Why would they lie? Why would they lie?

[A]

Yeah, this is a big one. Because at 55, it's so much harder to make up for lost time than 30. You know, compound growth. Doesn't have as much time to work, so if you can. Yeah, it's gonna. You just have to work longer and invest more.

[B]

Yep.

[A]

So it's a harder habit to create because you're older and you have to go even harder in. In the paint, as they say.

[B]

Oh, well, good friends, good reference. Okay. George, I think your lips I think I'm not going to do a smile.

[A]

For you just to be safe. I didn't even think about your. Your lip color. All right, dad.

[B]

Gum it, y'. All. It's so bad.

[A]

Can I see your lips? Like, don't smile. Let me just see what the lips look like.

[B]

I gotta.

[A]

I was trying to see what kind of taper you have there.

[B]

Oh, and you have a mustache. Holy mackerel.

[A]

Thank you for saying that. A lot of people don't consider this a mustache.

[B]

You were like. You were the. The facial hair.

[A]

I would say you don't have any facial hair.

[B]

Who you look like.

[A]

Who? A celebrity? Do I have a doppelganger?

[B]

Guess who characters? It's like, do they have a beard? You're like, yes.

[A]

Guess who.

[B]

Oh, my gosh.

[A]

That was a great game.

[B]

You look like a guess who character.

[A]

You're saying in real life I look like a guess who character?

[B]

No, no. In my painting, I was like, I.

[A]

Don'T know how to take that. It's.

[B]

Now I'm gonna have to give you more facial hair. Oh, my gosh.

[A]

Her nose is real. Where things really went wrong.

[B]

See, I went simple.

[A]

Do you have, like, a thin neck, would you say? Or you think it's, like, pretty long?

[B]

I mean, I would prefer a thin neck.

[A]

I'm trying to think if you probably feels a little. Yeah, you have a good neck.

[B]

Just like a baby giraffe.

[A]

Yeah, it's wild. I wouldn't say full giraffe, but baby at least.

[B]

Okay. Your poor beard is something else. I'll just say that much.

[A]

Do you want to talk more about investing?

[B]

Okay, so, yes, when you are investing, making sure that you're debt free, you have a fully funded emergency fund. I can't look at you in this. I'm going to start laughing. Fully funded emergency fund and 15% of your income into retirement. And yes, even if you are 55 and you have debt, we would still say pause retirement, because when you are completely out of debt, you can invest again, 15%, where normally you probably wouldn't be able to do that if you have debt. So we would rather you invest more later than a little bit now, because being out of debt frees up your income to do that.

[A]

That's true.

[B]

And most people, which can feel counterintuitive to some, but when you don't have payments and you're going into retirement, you're gonna be able to live off less. You'll need less to live off of because you don't have all that debt.

[A]

You don't need as big of a nest egg if you follow the Ramsey plan, because you don't have debt.

[B]

That's right.

[A]

That's good advice right there. And we do have a great investing guide I like to point people to. If you go to ramseysolutions.com guide, it's completely free. And I found that's a good kind of just primer on what to do, how to do it, why, to do it.

[B]

Yeah, that's good. I like that. And something else great to have, not just our investing advice. And is Delete me.

[A]

Yes.

[B]

DeleteMe is a great service, you guys. If you have any amount of data on the Internet, which we all do, it's 20, 25. Your information, your email address, your address, home address, kids names, all of that is out there. And data brokers can collect your data and they sell it to other data brokers and make money. But DeleteMe goes in and removes your data, which is incredible because, again, there's so many scams and phishing and you get text messages from people you don't know and emails like, it's insane. But Delete Me goes in and removes your information and mostly from these websites that we've never heard of. Like, you've never heard of it? It's weird. It's like crazypeople.com or something.

[A]

Creepypeoplefinder.com. yeah, whatever biz.

[B]

Yeah, it's bizarre.

[A]

So it's well worth the subscription fee. And again, you get 20% [e-mail] smartmoney. So do it. Good one to get.

[B]

Do it. Great one to get. Okay, alcohol. Guess who spends more, Men or women?

[A]

I'm going men.

[B]

Yes, you're correct. Men spend more on alcohol than women. Men spend, on average, $542 annually, while women spend 257.

[A]

Whoa.

[B]

Is it weird that that feels low to me, that I'm like. Because that's alcohol out. Like, if you're out at restaurants or something, versus, like, getting a bottle of.

[A]

Something, 542 annually women spend. That can't be right. You tell me women spend 20 bucks a month.

[B]

I know. I feel like that would. Yeah.

[A]

And men are at, like, you know, 45 bucks.

[B]

Maybe we're the crazy ones, George.

[A]

I just don't know that I buy it. Like, I think whoever took the survey was a little bit kind to themselves.

[B]

It's like when you go to the doctor and they're like, how much? What is it? Like, how much do you. How much do you eat out? How much do you drink how much? You know, they ask you, like, all your health.

[A]

Oh, yeah.

[B]

Okay, I'm gonna go.

[A]

All right. I'm filling in the face. I hope you are, too, because at.

[B]

This point, I know what I just did at the bottom of your shirt, but I'm gonna just do it because it just feels like it's taking up space, and I like that. We like to take up space. I don't know. I don't know. You kind of look like a pilgrim. I'll take that like a cloak or a priest.

[A]

There's some indie bands that are trying to look like pilgrims, so, you know, I take that as a compliment.

[B]

Well, I don't know why. Yeah. Again, just. I feel like I'm going to get judged from the. For the bottom, you got to look at the face.

[A]

No one's going to judge you. Here we go. Here's the next one. Most men spend less on pet costs than women. Not in our house.

[B]

Not. Not in this. Yeah.

[A]

On average, women spent $575 on annual pet costs. Men spent 367.

[B]

I think naturally that, like, more nurturing. Taken care of.

[A]

Yeah.

[B]

Money is just a thing. Like, I would rather have something in my life that I love and value that over money. I could see that. It's like, a little bit of that nurturing side. Taken care of.

[A]

Yeah. I spend way more than that on our dogs. And I don't have hobbies. So when people roast me for it, I'm like, I also don't have hobbies. Golf, sports, fantasy football leagues.

[B]

Okay, how about vehicles, George? So women spend nearly half as much as men. Can you believe that?

[A]

Oh, that makes total sense.

[B]

On average, women spend $684 on new cars. Men, 12, 19. I'm assuming that's like, a payment.

[A]

You know how I like. I think women tend to dress for other women. Men tend to drive for other men.

[B]

You know, I appreciate that.

[A]

Whereas women, I think that when they choose a car, they're looking for reliability. And if it's nice, that's a bonus.

[B]

Yes.

[A]

Guys are like, I want to flex. I got to have a bigger truck than my boy. You know, I gotta soup it up. Yep. Add weird features that really don't have any benefit other than maybe aesthetics. You know, a big spoiler on the back. You ever. You ever just see a big spoiler and go, what's this guy doing with his life?

[B]

What's he doing?

[A]

How's he doing? Because if he's not racing for F1, this was a mistake.

[B]

I will Tell you, Winston got new tires.

[A]

Okay.

[B]

And he like, that's a normal thing. Well, no, they were like bigger. Like it was like a thing. Because he would see trucks around and take pictures of them. He went, and this is very.

[A]

Not Strangers trucks.

[B]

This is very not Winston Cruz thing to do, but he went and knocked on a guy's door in a neighborhood next to ours because he kept seeing this truck. And he's like, I just really like those tires. And I want to know what they are specifically, if he likes them. If he had to like raise up his truck at all, like all this. Anyways. But I thought of you, George, because you always laugh about guys in their trucks. But Winston, he got it. And then he was like, what do you think of the. Oh, snap. He was like, what do you think of the new tires? And I was like, I. They look like tires. They didn't look that different to me.

[A]

You weren't impressed? You were not impressed with these tires?

[B]

They just. Yeah, it didn't. Okay, okay. Your neck is kind of gray because it mixed in with the black of your shirt.

[A]

No harm, no foul.

[B]

Okay? But something that we have loved though, that we've done and kind of changed was Fairwinds Credit Union.

[A]

Yes.

[B]

So Fairwinds, you guys, it's amazing. It's a credit union that has all Ramsey values. Like they value their customers. They want you to be working a plan and saving. I mean, they are. They are an incredible company. And you want your bank to be working with you, not against you when it comes to your money. And so Fairwinds is that like, they are just incredible people, you guys. We have loved working with them and the services that they have with their Smart Checking and Savings bundle, it's just incredible. So you can go to Fairwinds.org Ramsey and check out that Smart Savings, Checking and Savings bundle and tell them that you're a Ramsey fan, that you love Smart Money, Happy hour, all the things, because again, they work alongside you and we love that. And you don't have to be. You could be anywhere because their online banking and everything is just incredible. And so the user friendly service, the signup is really fast, really easy. They make everything really simple. And that's great. Especially if you're doing things digitally, literally, like on your phone and all of it. It's great. So make sure to check out Fairwinds. They're incredible.

[A]

Yeah, they called me and I was like, hello, is everything okay? They're like, yeah, we're just checking in. Just seeing how your experience. I was like, this is crazy to have a human call you.

[B]

Yes.

[A]

From a bank. Like, it was such a beautiful, different experience.

[B]

It's great.

[A]

And they don't know me from that. It's not like they knew I was George from Ramsey.

[B]

Right, right, right. No, they're amazing.

[A]

So good people over there. And great features, too.

[B]

Yes, yes. All right, last but not least, George. Women hold the buying power in the home. So there's a lot of different sources out there that show that, on average, women hold 80 to 85% of the buying power in the home versus men.

[A]

Just for buying anything.

[B]

I think so.

[A]

That makes sense. When I think about.

[B]

They see everything. They know what's going on. They kind of have a pulse check on, like, I think, for how it's being run.

[A]

Anything that's not, like, a major purchase, usually the women are handling it. When you think about household items, grocery items, you know, not just, like, paying bills, but, like, buying things for the family and for the home to keep the household. And if you ask the man, like, what do we need? He would just be clueless in most cases to be like, what do the kids need?

[B]

Yep. Totally.

[A]

What do we need for the kitchen right now? Yep. What's the pantry need to be stocked with?

[B]

Yes. The women kind of. Yeah. I would say majority of them have the. Which I'm fine with that. I like keeping tabs on that stuff.

[A]

Yep. Women carry what I call. And my wife would say the mental load. That's something I've learned a lot about.

[B]

Yes.

[A]

There's just a lot of things they're thinking about that the man is just not. And so I think the more the women can communicate. Hey, this is what's on my mind. Can you help with Versus just being resentful in their head?

[B]

Well, sure. Yes.

[A]

Being resentful out loud. So we can fix it.

[B]

Yes.

[A]

That's all I ask.

[B]

So we can help. Yes.

[A]

Very helpful for me.

[B]

Good to know, George. Good to know, man. I feel like I should do, like. I don't know. I don't know how to fix this.

[A]

I think you're gonna love the way you look. Oh, you've got some, like, blush. Is that what that is?

[B]

Yeah.

[A]

I don't have any blush color here, so just know that you look like the hot dog in the 711 that's been on the roller too long. That's kind of what happened here with the skin tone.

[B]

I think you look like a guess who character.

[A]

All right.

[B]

Oh, my gosh. I mean, I don't. That's the thing. Is. I'm like. I would. Oh, gosh, I gotta give you a sideburn. Hold on.

[A]

A sideburn?

[B]

Yeah. You connect, don't you? Yeah, Yours connects.

[A]

Oh, gosh. I'm getting paint everywhere. Hold on.

[B]

You almost showed me. If I was not painting. Gosh, I would have seen it. Okay. And I feel like I should give you your hair. Oh, gosh.

[A]

I would say the hair is probably difficult for you.

[B]

I'm gonna give you a little bit more.

[A]

More hair?

[B]

Yeah.

[A]

Okay. I gave you too much. It's like a woolly mammoth over here.

[B]

You know what? I have very thin hair, so I would appreciate that. That's great. I will take more.

[A]

I will say we're doing the middle part now. Is that correct?

[B]

Are we sticking with that white middle?

[A]

Off center, Little off center.

[B]

See?

[A]

Is that purposeful or it's like where my cowlick is. Okay. I didn't know if it was a per. Yeah, so that's where your natural kind of part is. Oh, wow.

[B]

Okay.

[A]

All right.

[B]

Okay.

[A]

So the way you want to do this big reveal is I hand it to you without you seeing it. You hold it up to your face and you don't look at it first. Let the audience see yours.

[B]

Right here.

[A]

Okay.

[B]

Can you see this at all?

[A]

No.

[B]

Okay. All right, I'll take mine.

[A]

All right, here we go.

[B]

Okay. Okay.

[A]

All right. Everyone watching at home, Rachel's gonna hold it up next to her face. Are you not entertained?

[B]

One, two.

[A]

A spitting image, wouldn't you say? That is like overcooked hot dog on the rollers. Okay, tell us what you like first. Say three nice things.

[B]

The eyebrows.

[A]

Okay.

[B]

I don't even know.

[A]

I think it gave you a good amount of neck.

[B]

The neck is good.

[A]

The chin could use some definition.

[B]

The neck is good. Okay.

[A]

You look very inflamed.

[B]

Yours looks. I'll say.

[A]

You could use an anti inflammatory diet.

[B]

Gluten free, for sure. My gluten levels. And maybe some jaundice.

[A]

I looked more SPF in whatever.

[B]

You're wearing this. Okay, I'm gonna say yours does look more lifelike. Oh, the eyes are great, George. I know they're not hazel, but like the. You did a. Like the black and the white, like.

[A]

Okay.

[B]

Yeah. Yeah.

[A]

Thank you.

[B]

That was good.

[A]

All right.

[B]

Okay, okay, okay.

[A]

Okay. So I'm gonna hold it up next to my face. I'm not gonna look. Is that it?

[B]

You're. You're a little.

[A]

How do you think you did? What would you say went wrong before I even look?

[B]

I would go thinner. It's Much of a rounder look. And it's just more cartoonish than mine. I mean, mine's pretty. That's pretty terrible.

[A]

Yeah. No, you're right. You're right.

[B]

Okay.

[A]

Okay.

[B]

Go ahead.

[A]

Oh, my gosh. Why? Why do I have just, like, dimples for eyes?

[B]

I said I liked your eyes better. Your actual eyes.

[A]

I will say your actual paint work is beautiful.

[B]

Well, thank you.

[A]

Like the textures like you did a much better.

[B]

Oh, my goodness.

[A]

I just don't know why I have just dots for eyes and tiny glasses and then some bowling ball for a head. And then my hair is just like one little.

[B]

Phew. I know. It's kind of accurate.

[A]

Little ears, little wispy mouth.

[B]

Little ears, little mouth, little dainty ears.

[A]

And a big old beard, which is very generous because my beard is not like that. Yeah.

[B]

Yeah. There we go.

[A]

Okay, let's hold them up together.

[B]

That's it. There's your Smart Money Happy Hour.

[A]

Hey, this is Smart Money Happy Hour.

[B]

I'm Rachel Cruz.

[A]

I'm George Camel.

[B]

I wouldn't trust these two. If I saw him in a dark alley, I would run the other one. He's our first shot.

[A]

This guy is not intimidating.

[B]

Shots of Mary and Sean who murder people. That's what these are.

[A]

This guy has good wi fi. You can trust him. He's not gonna hurt anybody.

[B]

She's gonna try to sell you something that's illegal.

[A]

Yep, she definitely does. Mary Kay, she. And not well in the daytime, does not have a pink Cadillac. She got sold on a dream.

[B]

Oh, my gosh. She got sold on a dream.

[A]

Wow. Okay.

[B]

Well done. That was.

[A]

That was the most stressful thing I've done in a long time.

[B]

That was really special.

[A]

I watched a baby come into this world not long ago. Yeah, that was more stressful.

[B]

Oh, well done, George.

[A]

That was fun. Thank you for your effort. And now I know what you really think of me. You know what this does look like? It looks like if you didn't know what Steve Jobs looked like in 1984 and you were just like, I'm guessing this is what Steve Jobs looks like. Kind of looks like him.

[B]

You know what? I do not have a future in sketching for criminals for the police department.

[A]

Oh, that. They give you a sight to see sketches. What do you look like? I don't know.

[B]

Something like that.

[A]

They would never find me if I committed the crime.

[B]

Oh, my gosh.

[A]

What did we learn today? That we should stick to our strengths.

[B]

Yes. Men and women are different. Obviously, where they spend money is different. And I think we're okay with it. I'd say stereotypically, I agreed with most of what the studies found.

[A]

Yeah. Nothing was huge shockers. The single women owning more homes was a big standout for me. But other than that, it seems like the people who are, I don't know, trying to keep up, they're gonna keep up in their own ways. For the guys, it's gonna be with the gear and the sports stuff and whatever, outdoorsy stuff. And for the women, maybe it's more upkeep and apparel. But I wanna give credit to the women.

[B]

Yep.

[A]

In that societally, we have put more pressure on them to keep up, if that makes sense.

[B]

Yes, from like an outward. Yes, from an outward perspective.

[A]

Now some of it's on them, some of it's on women. It's not like men are doing things.

[B]

Yeah. From more of, like the consumer side, but I think guys find their ego and, like their golf club and their, like, thing that they got here. Like, you know what I mean? They value and stuff too.

[A]

And men like to keep score more on the financial scoreboard.

[B]

Yes.

[A]

Versus women. Women are probably a little more values focused than men. But I. Again, these are huge generalizations because what you'll see is there could be dudes out there crushing it who are investing in their 401ks don't care about impressing other people. And same goes for women.

[B]

Totally 100.

[A]

And it's okay to buy things and enjoy them. Like, I don't want people to hear. Well, they don't want people to spend money on things they enjoy. They hate hobbies and social events.

[B]

Right. No, no, no.

[A]

But when you do it with debt and you do it for bad reasons and bad motives, it's just gonna end up crushing you.

[B]

Yes. You just end up in an endless cycle where you're just running, running, running. You're not getting anywhere.

[A]

It's exhausting.

[B]

Find value in life. Be smart about your money. So when there are things do come up for you to pay for and enjoy, you can actually enjoy it and not have to worry about getting a bill for it later.

[A]

Yep. Delayed gratification is a big one.

[B]

All right, a couple of rapid fire questions, George. Okay, what is one social? Accept expense you're often invited into but hate spending money on.

[A]

Oh, gosh, there's so many a social. Okay. I'm trying to think of a social expense in my life. Like, hey, we're gonna go do this thing and it's gonna cost us 40 bucks a piece, 50 bucks a piece. What would that thing be? I mean, eating out is the big one for sure, but, like, I don't feel as bad. Eating out. Yeah. Having a good. If it's a good meal.

[B]

Yep. Yeah.

[A]

Social expense. I like going to the movies. I feel like that's a reasonable. I always go like, is this a reasonable cost for the value and entertainment I'm getting and the time I'm spending?

[B]

Yes. Yes. So on that, then I would say if it's a restaurant that's overpriced for the experience you get.

[A]

Yeah.

[B]

I think that can be tiring.

[A]

Yeah. There's a place in Nashville that's like, very high up, tallest building in Nashville. And it's a very cool experience, but the food was just mediocre to me.

[B]

Yeah. So that would be one that I'm.

[A]

Like, that wasn't worth it.

[B]

Yes. I'd rather go to get some bar food somewhere.

[A]

Yeah.

[B]

And enjoy some time.

[A]

Here's the thing. A social expense. At least there's an experience involved, and hopefully that is a memory with people that I love.

[B]

Yes.

[A]

And so that, to me, I can justify that pretty easily at this stage of life.

[B]

Yep. I love that. Okay, what's one budget category you and your spouse feel differently about?

[A]

Oh, boy.

[B]

The clothing category.

[A]

Yes, man. You feel like it should be higher. And Winston's like, I don't understand why you need to.

[B]

No, I think it's more. He doesn't. And it's not like a thing between us. It's been 15 years of marriage, so we've kind of settled on, like, you've worked through it. It's gonna be. But I think for him, it's like a. Do you need another black shirt? Like, I don't know, like, you know where. I'm like, ooh, I'm gonna go buy four new pairs of jeans or whatever. The thing is, you know, he's like, but you got plenty. So where he can. He's simple in that. So I'd say that's probably one category, because everything else, I would say we pretty much see eye to eye on. But the. I'd say the. Yeah, the clothing category.

[A]

Yeah. I think my. My wife is, like, always wanting kind of new clothes, like, refresh the wardrobe, and then they come in, and then she's like, well, I'm going to return most of it. And so that's becomes a thing because I'm on box. I'm breaking down 17 boxes a day of just things that she might return that are really me going to return.

[B]

Yes.

[A]

So that part, we. We can bicker About. And the part for me is she knows if I buy a musical instrument or skateboarding things, she knows like, hey, you're not gonna. Why are you. You're not gonna use it.

[B]

Yeah, you're buying it and it's not gonna be used. Yes.

[A]

And it recently happened. I bought a brand new skateboard because I was like, babe, I'm gonna get back into it. And how many times have I well.

[B]

Cause you have a new baby.

[A]

That's the thing.

[B]

It's the reality of life.

[A]

I'm like, if I break an arm, I can't hold a baby. Which is. That's gonna make her even more angry. So that's the thing. I'm trying to get back into the hobbies that bring me joy. But there's no time in this season to do that.

[B]

You have like a two week old.

[A]

Exactly. But if I was like, I'm gonna get a new guitar. She's like, you don't play the three that you have.

[B]

Right, right.

[A]

You know what I mean? So that's a very fair critique. That's good from Whitney.

[B]

I appreciate that. Okay, so there's some low budget social hangs that you men and women both can enjoy. You ready?

[A]

Hit me.

[B]

A movie night, a game night. Love a game night. Oh my gosh, game nights are so fun. BYO takeout night.

[A]

So just bring it.

[B]

Yeah, bring it.

[A]

Get whatever you want and bring it over.

[B]

We'll eat, everybody bring a snack, sit in the backyard. Especially if it's like a cool fall into winter night. Get a fire going.

[A]

I like anything that's potluck style. Everyone brings something.

[B]

Yes. Yeah. You know, my favorite hanging these days has been. It's definitely like a kid thing. But like after dinner. We got in a habit like a month into school, I guess. Cause summer was up where it's like, oh, hey, if everyone's coming home from practices and stuff, like whoever wants to stop by, have a glass of wine, the kids can still swim and you can do it till like 7 o'. Clock. It's a school night, so it's like 7 to 8 and the people that were open, you're able to do it. But it's like an after dinner thing just for like a quick period. Just to be like, oh yeah, house is open if anyone wants to stop by. It can't be late night. Cause we got school the next day. But that's been a fun thing. But you don't have to provide much. Like there's not like food over the place.

[A]

No one expects much.

[B]

There's not a lot of hope. And it's just to, like, be. And you're not paying out to be out at a restaurant or something.

[A]

And we do a. We have a monthly supper club with a small group of friends that we do, and it's always that someone, you know, we switch houses, and everyone brings something, and we kind of know, like, hey, you're the salad person. You know, Cassidy's gonna bring the wine. She ain't making no food, but she'll bring a good bottle, you know, so that's always fun. And it's low cost, and it's a good way to have something on the books. Cause I've realized if I don' have it on the calendar, it just won't happen.

[B]

100.

[A]

And that's why women hang out more than men. They're better on the administrative side to just make things happen.

[B]

We calendar it out, and men are.

[A]

Like, bro, we should, like, hang sometime.

[B]

And, like, yeah, yeah, yeah, yeah.

[A]

And they get nervous, and they feel weird. Like, texting a guy, like, hey, man, do you want to hang out?

[B]

Girls are. I will say, my friends are good at that either. We're hanging out. My friend Annie and I, we, like, once a month, she comes over, and before she leaves, we put a new date on the calendar, like, before she leaves. But then if there's, like, some friends that text about lunch, people will text, hey, I have Tuesday the 14th, Thursday the 16th. Like, they'll give you, like, five dates, and we can, like, find a date.

[A]

I love the specificity.

[B]

That's it.

[A]

Don't leave it hanging in the air. And that's why I think guys love sports, because it's a thing happening. They're like, hey, you want to come over and watch the game?

[B]

Yes.

[A]

It's not weird then.

[B]

That's right.

[A]

You want to come over and just stare into the wind.

[B]

Just hang out.

[A]

Yeah.

[B]

Oh, so good, George. All right, well, before we spill the tea on our guilty as charged segment, let's share the details of the cocktail.

[A]

Let's do it. This was the bourbon Carrijillo.

[B]

Got a heel.

[A]

C, A, R, A, J, I, L, L, O.

[B]

What do you rate it?

[A]

I'm gonna go nine out of ten on this one. If I got this at a restaurant or at a fancy coffee shop, I would be impressed.

[B]

I'm gonna 7 out of 10.

[A]

Is it the coffee for you?

[B]

It's fine. No, I like it. It's fine. I just don't know if it'd be, like, my first order, but it tasted good.

[A]

It would Be a great after dinner drink if you need to pick me up.

[B]

See, I think I would go espresso martini over this, but I think for.

[A]

The men out there, this is like a manlier version.

[B]

Oh, there's. That's a good way of putting it.

[A]

You know, it's like chewing tobacco tobacco. It's like dip but in a cocktail. It's got espresso, bourbon liqueur 43, which is spelled L I C O R and it's from Spain. It's kind of a citrusy herbal liqueur. Angostura, bitters and an orange slice. Comes out to $3.83 per glass. So Rachel wins. I guessed 438. You were like 426.

[B]

Yeah, I was lower. Yep. So good.

[A]

So it's a pricier one, but it's. It's very. It feels very high end cocktail bar. So shout out to our mixologist Michael for a great drink. Get the recipe in the show notes. Give it a try this weekend if you're of age.

[B]

All right, now it's time for guilty as charged. And this is where we ask each other a guilty as charged question every week. And if we're guilty, we take a sip. All right, George, question is, have you ever been at a casual friend hang that ended dramatically? Dun dun, dun.

[A]

100%. There was one that your brother was involved in.

[B]

No way.

[A]

So we were playing a game, secret Hitler, where it's not pro Hitler, just so everyone's aware. But you have all these cards and one of you is Hitler and the rest are trying to take Hitler down.

[B]

Okay.

[A]

But the person who's Hitler is trying.

[B]

To play the mafia. That's what we play. Yes, Mafia.

[A]

So you kind of have this bluff of like, no, I'm not Hitler. Like, I bet it's that. And so it's a very strategic game. You have to be very persuasive.

[B]

Yes.

[A]

So the goal is to take down Hitler. And if you choose the wrong person who's not Hitler, then Hitler wins.

[B]

Oh, man.

[A]

Not the goal.

[B]

We don't want that. We don't want that.

[A]

So I'm trying to convince the group with all my might that I truly am not Hitler. And I'm like, guys, I like. I don't know how to explain. I am. It's. And your brother played it so smooth. So Coyote.

[B]

Oh, no.

[A]

Convinced everyone that I was the bad guy when he was the bad guy.

[B]

Oh, stop.

[A]

And I was legitimately mad at him after. I was like, I don't know that I can Trust you anymore. Like, who was this person that maniacally at a sociopath level was able to convince everyone that I was the bad guy and he was clean. So haven't forgiven him yet.

[B]

That's good.

[A]

And then this last one, Supper Club. I thought it would be a really fun game. This is right before the election.

[B]

Oh, Lord.

[A]

To say, hey, everyone, go around the table and say who you're voting for and why.

[B]

Jeez, George.

[A]

It got out of control with the first person and we had to shut it down. It kind of ruined the night.

[B]

Oh, man.

[A]

In my head, I thought, because we all know each other well, we know that we have different political spectrum here.

[B]

Yes.

[A]

And I thought we could have a reasonable conversation and it would be entertaining. It was nice.

[B]

Here's what I learned. Because my hang. It was. That too ended not great because of politics. But the people came back around to each other. Men did it.

[A]

Oh, good.

[B]

But it was not. I mean, yeah, it was like, offensive. It was hard. Offensive. All the things. All the things. So I've learned, I think with all of that, it's gotta be a one on one conversation. You can't have a group disagreement. If you disagree with someone, you get so much further along in the conversation and actually understand. Learn all the things. When it's just one on one.

[A]

You're right.

[B]

And you both have that attitude. If one is stonewalled and they don't care, there's no, like, curiosity, if you will. It's not a fun conversation. It's way more fun if you're genuinely like, oh, my gosh, I wanna know, what did you think about like, I wanna hear.

[A]

I think that's. My personality is. I'm like, okay, like, I'm just curious.

[B]

Yes.

[A]

Versus having a strong opinion and being like, well, if you don't agree with this, then you're wrong.

[B]

Yeah, yeah, yeah, totally.

[A]

So I think I was just more open. And I assumed the whole group would be. Cause we all know each other and love each other. And I thought, this is a safe. If there ever was a safe place, this would be it. I learned very quickly. Danger zone.

[B]

Danger.

[A]

So that was my conversation grenade.

[B]

Okay.

[A]

I just bit that pin and chucked it in there.

[B]

When he, like, kick you under the table, she like.

[A]

I think there was a level of like, why would you. But I kind of like picking the fight and then getting in the back and just watching with popcorn. You know what I mean? That's kind of my version of entertainment since I have no hobbies. So forgive me for trying to reason with people and have some.

[B]

Just have some casual conversation. George Unbelievable.

[A]

So yeah, keep your casual friends hanging casual. Don't get too serious.

[B]

That's right. And if you have a guilty as charged question for us, make sure to DM us, rachelcruz and oregecamel cause we're looking for em. We appreciate when you send them in.

[A]

Always looking.

[B]

Thank you. Thank you. And if you enjoyed this episode, you will love the next episode when it comes to conversations around gender money. The episode Men vs Women, who handles money better after this and we will link it for you now make sure to leave a review and subscribe so you don't miss an all new episode.

[A]

Of Smart Money Happy Hour.

[B]

Cheers.

[A]

Cheers.