Transcript

A (0:05)

Well, if you're in the mood to be a little bit weird to build wealth successfully, you're in the right place.

B (0:10)

Do you ever feel like you are the main character in a girl power rom com montage?

A (0:14)

I mean, I think everything about me people would consider unusual. This is the number one area you can focus on because it's something you can actually control.

B (0:26)

Hey, guys, I'm Rachel Cruz.

A (0:28)

I'm George Camel, and this is smart Money happy hour.

B (0:34)

Cheers. All right, well, this is the show where two friends who happen to be money experts talk about what you're talking about. So everything from pop culture, current events, and money.

A (0:45)

But first, Rachel, we're sipping on a virgin pina colada, and it's delicious. We're gonna give you the rating and reveal the cost per glass at the end of the episode, so stick around for that. I think you're gonna like what you hear because you can't taste it.

B (1:00)

What you see, what you hear. Okay, George. You know, one of the funniest things I have noticed about doing all this, like, money content, like, if we're ever on stage or even on a media hit, I'll randomly just say, live on less than you make, and I will get an audible like, gas.

A (1:20)

Their mind is blowing.

B (1:21)

Or like, Yes. I remember being doing a news segment, and I remember the anchor was like, that is so wise. Like, it's like, mind blown. And I just realized, man, you know, it's just not common. Some of the things we talk about when it comes to money. Genuinely not. Not common sense these days.

A (1:38)

Yeah.

B (1:39)

Can be a little weird, even something like that. Something that is common.

A (1:41)

We encourage that around here at Ramsey. And for 30 years now, we've been promoting what has become controversial, weird principles like paying for things in full and not buying it if you can't afford it in full. And we got a lot of flack for that. So we thought it'd be fun to break down some of these habits behind living on less than you make and talk about the unorthodox ways you can build wealth.

Summary

Podcast Summary: Smart Money Happy Hour with Rachel Cruze and George Kamel

Episode: Weird Money Habits That Will Make You Rich
Date: January 29, 2026
Host: Ramsey Network

Overview

In this lively and candid episode of Smart Money Happy Hour, Rachel Cruze and George Kamel dive into the “weird” and unconventional money habits that can actually set you up for financial success. With their trademark humor and real-life anecdotes, they unpack habits that are outside the norm, debunk some popular money myths, and encourage listeners to embrace being “weird” with money — even if it means going against what everyone else thinks is normal. The episode is designed to help listeners realize that sometimes the key to getting ahead is doing what most people won’t do.

Key Discussion Points and Insights

Opening & Setting the Theme

Rachel and George open with some friendly banter and introduce the topic: embracing “weird” habits to win with money (00:05–01:00).

"If you're in the mood to be a little bit weird to build wealth successfully, you're in the right place." (Rachel, 00:05)
They reminisce on how some of the most basic money advice — like living on less than you make — is now considered nearly revolutionary.

"I'll randomly just say, live on less than you make, and I will get an audible like, gasp. Their mind is blowing." (Rachel, 01:00)

Lighthearted Personal Weird Habits

Personal quirks: George admits to his oddly specific shower soap habit, while Rachel confesses to never finishing things like granola bars or bottles of water — a habit she theorizes is about avoiding endings (02:18–05:20).
- Memorable moment:
  
  "Leave a little bit for the angels. I think that's beautiful." (George, 05:20)

Unorthodox Money Habits That Build Wealth

1. Working More Than 40 Hours (06:34–07:47)

For a season, increasing work hours can drastically change your financial picture, especially when getting out of debt.

"This is the number one area you can focus on because it's something you can actually control." (George, 06:37)
It’s acknowledged as “weird” in an age where overwork is criticized, but sometimes necessary to hit financial goals.

2. Becoming a One-Car Family (07:48–08:56)

Discusses how living with one car is more doable than people think and cites real-life examples.

"Unorthodox. But is doable here at Ramsey. Do it." (Rachel, 08:28)

3. Not Caring About Your Credit Score (08:57–10:26)

They debunk the myth that a high credit score is the sign of financial health and explain why deliberately having “no score” (because you use no debt) can be a positive (09:51–10:26).

"No score is a good thing to aim for because it means you don't have debt, you don't owe anyone anything." (George, 09:52)

4. Cash or Debit Is Better Than Credit (10:27–11:25)

Using only cash or debit gives more control and peace, while playing the credit card game often leads to more debt.

"You spend differently." (George, 10:57)

5. Throwing All Savings Except $1,000 at Debt (12:52–14:50)

Discusses the notorious Ramsey “baby step” of keeping only a tiny emergency fund, creating urgency to get out of debt quickly.

"There's something to just scorched earth. Sending all of the savings to the debt except for the thousand to go." (George, 14:30)

6. Tracking Every Transaction (15:00–16:18)

While many people resist, Rachel admits to opening her budget app multiple times daily.

"When you get in the habit, you guys, it's addicting. Can I say that? I do it all...." (Rachel, 15:11)

7. Quitting Toxic Spending Cold Turkey (16:18–18:25)

Going cold turkey like deleting apps or doing no-spend months can be hugely empowering and revealing.

"Do you ever feel better than everyone else when you do something drastic?" (George, 16:39) "That's what you're paying yourself by not going through the drive through." (George, 17:22)

8. Investing Above the Company Match (21:00–22:28)

It’s considered “weird” but investing more than the bare minimum (like 15%) transforms retirement outcomes.

"We recommend 15% long term until your house is paid off." (George, 22:02)

9. Prioritizing Giving and Generosity (22:28–24:22)

The habit of giving, even in small amounts, is rarely talked about. Rachel explains that when you start, it becomes part of who you are.

"Give a little until you can give a lot." (Rachel, 23:40)

10. Paying Cash for Higher Ed (24:22–26:12)

They challenge the student loan norm, advocating for avoiding debt, using alternatives, and only investing in education with a clear ROI.

"Graduating with no student loan debt and starting life off on like a solid financial path ... takes years and years and years that you get ahead." (Rachel, 25:53)

11. Using the Debt Snowball Method (26:13–27:55)

Paying off debts smallest to largest (regardless of interest rate) gives “quick wins” and keeps people motivated, even if it's not mathematically optimal.

"Personal finance is 80% behavior, it's only 20% head knowledge." (George, 27:03)

12. Paying Off Your House Early (29:10–31:38)

Paying off a mortgage early is “controversial,” but brings freedom and peace.

"Paying off your house early is something most people don't do... but millionaire study paid off their home in 10.2 years on average." (George, 29:57–30:06) "If they don’t pay my bills, they don’t get a vote. This is what’s right for me and my family." (George, 38:17)

13. Buying Cars in Cash (33:22–36:10)

Avoiding car payments, even if it means a “beater” car, is a hallmark of financially savvy people.

"Upgrading slowly over time is very healthy and normal." (George, 34:56)

Notable Quotes & Memorable Moments

| Timestamp | Quote | Speaker | |-----------|---------------------------------------------|----------------| | 01:00 | "Live on less than you make... mind blown." | Rachel | | 05:20 | "Leave a little bit for the angels. I think that's beautiful." | George | | 09:52 | "No score is a good thing... you don't owe anyone anything." | George | | 10:57 | "By using your own money, you spend differently." | George | | 14:30 | "Sending all of the savings to the debt except for the thousand..." | George | | 15:11 | "When you get in the habit... it's addicting." | Rachel | | 16:39 | "Do you ever feel better than everyone else when you do something drastic?" | George | | 17:22 | "That's what you're paying yourself by not going through the drive through." | George | | 23:40 | "Give a little until you can give a lot." | Rachel | | 27:03 | "Personal finance is 80% behavior, it's only 20% head knowledge." | George | | 29:57 | "Paying off your house early is something most people don't do..." | George | | 30:06 | "Millionaire study paid off their home in 10.2 years on average." | George | | 38:17 | "If they don’t pay my bills, they don’t get a vote." | George |

Key Timestamps for Segments

Opening & Theme: 00:05–01:41
Personal Weird Habits: 02:18–05:27
Unorthodox Financial Habits (List Begins): 05:28
- Working More Than 40 Hours: 06:34
- One Car Family: 07:48
- Credit Score: 08:57
- Cash/Debit vs Credit: 10:27
- $1,000 Emergency Fund: 12:52
- Tracking Transactions: 15:00
- Cold Turkey Spending: 16:18
- Investing Above Match: 21:00
- Giving: 22:28
- Paying Cash Higher Ed: 24:22
- Debt Snowball: 26:13
- Paying Off House Early: 29:10
- Buying Car in Cash: 33:22
Reflections on Social Pressure & Being Weird: 37:33–38:26

"There’s a superpower in not caring what other people think." (George, 37:33)

Flow and Tone

Energetic, friendly, and conversational, with plenty of mutual ribbing and real-life examples.
Encouraging & motivational: Listeners are urged to do the “hard,” “weird” things not because it’s fun, but because they get you ahead — and only for a season if necessary.

"We always say, live like no one else. So later you get to live and give like no one else." (Rachel, 37:29)
The hosts are open about what habits they still practice, and which ones were necessary “for a season” as they got their financial lives on track.

Closing Segments & Extras

Piña Colada Review: After the main content, Rachel and George rate their "virgin pina colada" drink a perfect 10/10 ($1.12/glass) (38:28–39:45).
Ramsey Cruise Announcement: Excitement about upcoming Ramsey Cruises and the community that comes with it (40:01–43:10).
Guilty As Charged Segment: Rachel relays a hilarious panic-buying story regarding Backstreet Boys tickets, illustrating how impulse spending happens to pros, too (43:10–48:37).

Conclusion

Key Takeaway: Being "weird" with money — working more, living with less, ignoring your credit score, avoiding debt, and giving generously — is actually the path to wealth and peace of mind, even if everyone around you thinks it's strange.
Encouragement: These habits aren't forever; they’re tools to get ahead, so you can eventually "live and give like no one else."
Final Word: “Too many of us are influenced by the pressures we have from family and friends. And what are they going to think?... If they don’t pay my bills, they don’t get a vote. This is what’s right for me and my family.” (George, 38:17)

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(For links and more notes, see episode show notes and Ramsey Network resources.)