What the Top 7 World Religions Believe About Money

Summary

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

Episode: What the Top 7 World Religions Believe About Money
Date: October 16, 2025
Hosts: Rachel Cruze & George Kamel (Ramsey Network)

Episode Overview

In this engaging and lighthearted episode, Rachel and George tackle two major taboos—money and religion—by exploring what the top seven world religions teach about personal finance. While clarifying they are not theologians or experts in all faiths, they share high-level insights and have fun comparing the core values, similarities, and differences across Christianity, Islam, Hinduism, Buddhism, Sikhism, Judaism, and folk/indigenous beliefs. Throughout, they reflect with humor and transparency on how these principles impact their own spending and habits, all over a tart cherry margarita.

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Key Discussion Points & Insights

Setting the Tone (00:05–04:43)

• Rachel and George acknowledge money and religion are both “clutch-your-pearls” topics, but they see great value in discussing how faith shapes financial views.
  • Quote: “Why cover one taboo topic when you can cover two?” –George (00:05)
• Rachel shares her ongoing deep-dive into church history and George talks about his multicultural upbringing.
• Both hosts admit they're “not experts on all religions,” but see this as a chance to learn and find common ground.

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The Top 7 World Religions by Followers (05:10–07:40)

• The hosts quiz each other on population stats, revealing the top 7 religions (besides folk/tribal religions).
  • Christianity: 2.4B
  • Islam: 1.9B
  • Hinduism: 1.2B
  • Buddhism: 500M
  • Sikhism: 25–30M
  • Judaism: 15M
  • Folk/indigenous religions: another significant group
• Rachel expresses surprise that Judaism’s number is smaller than expected:
  • “Didn’t you think it would be more? … That’s shocking.” (07:07–07:13)

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Christianity & Money Principles (07:45–14:39)

• Major Themes:
  • Don’t idolize money: “The love of money is the root of all kinds of evil.” (08:03)
  • Giving & generosity: Core to the faith—tithing, serving the poor.
    • “It's hard to be greedy when you're always giving.” –George (10:15)
  • Stewardship: “You don’t own anything. God owns it all.” (11:30)
  • Avoiding debt: “It’s never called a sin, but every time debt is mentioned in the Bible, it is in a negative fashion.” –Rachel (13:15)
  • Building wealth slowly: “Wealth gained hastily will dwindle. Whoever gathers little by little will increase it.” –George, quoting Proverbs (14:06)
  • Helping the least of these: Serving and giving time and money is paramount.

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Islam & Money Principles (14:57–22:47)

• Interest is Forbidden: Charging or paying riba (interest) is not allowed; Islamic financing provides alternatives.
  • “If you really want to do it by the book, you have to go through Islamic financing companies.” –George (15:36)
• Judgement Day Spending: Muslims are asked how they earned/spent money on Judgment Day.
  • “What is that interview like, man? That’s gotta be like an interrogation.” –George (16:13)
• Wealth must be from “pure” sources: Work, not deceit, theft, or gambling.
• Discouragement of extravagance and waste: Spending must be wise, avoid showing off wealth, and minimize waste.
  • “Avoiding waste is a big one... Americans, like, we waste a lot.” –George (20:10)
• Annual Giving (Zakat): 2.5% of qualifying wealth to the poor; generosity is institutionalized.
  • “I do like that they make it a point—you gotta give a percentage of your wealth to the poor every year.” –George (22:29)

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Hinduism & Money Principles (22:52–26:51)

• Wealth is a life goal: It’s one of four aims (along with righteousness, pleasure, and liberation).
  • Rachel and George attempt to guess them, then consult ChatGPT.
• Giving as sacred duty: Giving purifies karma and is deeply intentional.
  • “I like the word sacred… very important, very whole, intentional.” –Rachel (25:29–25:39)
• Wealth is temporary: Attachment to riches leads to suffering (also echoed in Buddhism).

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Buddhism & Money Principles (27:02–31:12)

• Ethical earning: “Earn a living without harming others.”
• Wealth supports compassion: Provide for family, workers, those in need.
• Contentment is true wealth: Internal peace is valued highly.
  • “Contentment is the greatest wealth.” (28:58)
• Suffering & comfort: Buddhism often sees growth through suffering; comfort is not the goal.
  • “They see suffering as almost a gift… They don’t run towards easy.” –Rachel (29:00)

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Judaism & Money Principles (31:14–37:06)

• Sabbath rest: Commerce ceases; true rest is a spiritual value.
  • “We love a Sabbath. I wish we did more.” –Rachel (31:21)
• Debt forgiveness: Within the community, debts are canceled every 7 years.
  • “That’s amazing… I’d love to know more about how this actually plays out.” –George (33:13–33:37)
• Tzedakah: Charity is justice—not optional, but a requirement.
  • “It’s not optional, it’s a requirement.” –George (37:01)
• Business ethics: “Be honest in business and have fair, ethical scales.”

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Common Threads Across Religions (37:26–38:49)

• Generosity is vital: Every faith emphasizes giving to others in some form.
  • “Almost every single one had a piece about generosity and others-focused… Selfless, not selfish.” –George (38:06–38:10)
• Wealth is not evil unless it’s idolized: Obsession/attachment is always cautioned.
• Debt is discouraged: All traditions advise against debt or at least warn of its dangers.
  • “None of them spoke positively of debt.” –George (38:40)

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Notable Quotes & Memorable Moments

• “Why cover one taboo topic when you can cover two?” –George (00:05)
• “You can still get into heaven… but Sallie Mae will follow you there.” –George (00:16)
• “We have to call out that we’re not experts on all these religions.” –Rachel (03:10)
• “What is that interview like, man? That’s gotta be like an interrogation.” –George, on Islamic Judgment Day (16:13)
• “If you are attached to how much money you have… majority of people eventually hit a wall and it doesn’t get them where they want to go.” –Rachel (27:02)
• “None of them were like, ‘Get wealth and hold it to yourself.’” –George (37:39)
• “Wealth is not evil unless you get obsessed and make it a God.” –George (37:46)

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Key Timestamps for Segments

• 00:05 — Opening banter, taboo topics
• 05:10 — Top 7 world religions quiz and context
• 07:45 — Christian financial principles
• 14:57 — Islamic views on finance, interest, and purity
• 22:52 — Hinduism on wealth and duty
• 27:02 — Buddhism and the meaning of wealth/contentment
• 31:14 — Jewish practices: Sabbath, debt forgiveness, tzedakah
• 37:26 — Comparing common threads among all faiths
• 40:15 — Personal struggles with these principles
• 42:49 — "Guilty as Charged" segment: hosts confess their money quirks

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Tone & Style

True to Smart Money Happy Hour form, the episode is fun, conversational, and at times self-deprecating. Rachel and George are honest about their limited expertise beyond the Christian tradition but approach other religions with curiosity and respect. They frequently invite feedback and corrections from listeners of diverse backgrounds, aiming for education without judgment.

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Useful Takeaways for Listeners

• Money Values Are Universal: Across world religions, generosity, caution with debt, and the danger of idolizing wealth are recurring values.
• Nuanced Application: Religions have unique rules (e.g., no interest in Islam, Sabbath commerce restrictions in Judaism) but share a belief in ethical earning, stewardship, and service to others.
• Practical Encouragement: The hosts encourage listeners to explore their own principles, apply generosity, and use tools like budgeting apps for practical stewardship.

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For anyone interested in the intersection of faith and finance, this episode gives a fast-paced, witty, but thoughtful overview of how you might see your money through a broader, global lens—without needing a theology degree.

Transcript

[A]

Why cover one taboo topic when you can cover two? Find some pearls to clutch. Because today we're talking religion and money.

[B]

Like, it's not a thing.

[A]

You can still get into heaven.

[B]

Yes, you can. If you have student loans, you can.

[A]

Still go to heaven, but Sallie Mae will follow you there.

[B]

And suffering is part of it, George. Like, there is a part of.

[A]

Like, have I not suffered enough?

[B]

Hey, guys, I'm Rachel Cruz.

[A]

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

[B]

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]

And I assume everyone's talking about religion and money whenever they hang out with their friends.

[B]

Always. It's the number one topic, I feel like.

[A]

But before we get to that, let's talk about something that is not. Not taboo or controversial, which is this wonderful drink. It is a tart cherry margarita. We're going to give you the rating and reveal the cost per glass at the end of the episode, so stick around for that.

[B]

All right, George. Well, Tom Cruise's Scientology walked so the secret live of Mormon wives could run. Wow. Religion, well said is so woven into our culture today. It's amazing. Like, it's everywhere, all of these.

[A]

It is becoming, like, less taboo, but in a weird way where we're like, is it a dark curiosity, would you say?

[B]

Maybe with some. I don't know.

[A]

But then everyone's like, well, that's not how we really are. And it's like, we get it.

[B]

Yeah, yeah, yeah.

[A]

It's a reality show. It's a documentary. Like, you know, there's. Yeah, there's an agenda here.

[B]

I do think there's stereotypes Right. As well, and so you don't lump everybody into one stereotype. But it is fascinating because I do think your religion or spirituality does shape or probably should shape if it's something you worship, you know, what you think about life in all these different topics, including money, George.

[A]

That's right. And Rachel, I need to call out. You've been on your own. Eat, Pray, Love Journey of sorts is the only way to frame it up.

[B]

Oh, my gosh.

[A]

But you've been really researching.

[B]

Yes.

[A]

Tell the. Can you tell the people what you're looking into?

[B]

Well, it's nothing crazy. And I mean, I don't know. It's just church history has been fascinating because I am a Christian, and. And I think I just never really knew, George. I thought, like, you know, like, where.

[A]

Did this come from?

[B]

The Book of Revelation, you know, was the last book to be written by.

[A]

John in 96 and then not 1996, by the way. I just want to make that clear.

[B]

Yes. Not 1996, you know, and then Martin Luther came on the scene. Right. But there was, like, a.

[A]

And not King Jr.

[B]

But there was, like, a lot, you.

[A]

Know, a lot of caveats.

[B]

1500 years, you know, of just the 2000, you know. Yes. And I didn't know about it. So I have been. I have been in a deep dive, and it's been fascinating, but I have. We. We work with a lot of smart people that know a lot, I feel like. So it's fun conversation. So I probably bring.

[A]

Didn't call me out. It was me.

[B]

So I probably do bring a lot of my findings to people at work. And the way our offices are all situated, we end up chatting a lot if we're all in there. And so I'm telling them about my.

[A]

New findings and Rachel's known councils. You, like, find a little rabbit trail and you go deep.

[B]

That's right. Oh, yeah. So I'm always. And I'm pretty, like, hyper about stuff, too. So I think people are just my energy behind it. It's probably what people laugh about, too. But, you know, we're not experts on religion, though, let's be honest. On all religions, like, we're not.

[A]

Make that clear.

[B]

Did you take any, like, world religion class in college?

[A]

You know, I took one at University of Mobile.

[B]

You did? You took a world class in Alabama?

[A]

Yes.

[B]

Do you remember?

[A]

Don't remember anything. You know what? I remember going like, oh, these are, like, cool. Like, on paper. I'm like, yeah, I can vibe with most of these on, like, on principles.

[B]

Sure. Yeah, yeah, yeah.

[A]

But growing up Christian, actually. Arabic Baptist, to be very specific.

[B]

I love that about you.

[A]

My favorite sect of the Baptist people. So I have that faith background, but it's also. I grew up with friends of all different backgrounds. Like, I went to my friend's bar mitzvah growing up.

[B]

Yeah.

[A]

And we had a great time. I bet you did have some Muslim friends. And so it just. It's fun to get to know the people behind it instead of just assuming things about them.

[B]

Totally. And I think the fun thing about this, even though we're not experts on all these religions, we liked to see the commonality through some of them, which we found when it comes to money, which I thought was interesting. So we did one episode kind of about money around the world, and you guys loved it. And so we're like, okay, what are Some other fun things that we can. Like, it's kind of a comparison too, of like, how do people do things differently? And through my deep dive into the early church, I think I was like, we should do all the religions and see the diff. The pros and cons or the differences or the similarities, all the things. Because I don't know. I don't know much about it. So it's been a fun.

[A]

It's. It was for us to learn. And so I hope everyone watching and listening can learn something along with us without making any judgments. And if we get it wrong and you are of this religion, feel free to call us out in the comments section. Just know that I'm going to get it wrong.

[B]

We're going to.

[A]

Just don't be offended when it goes. He's not understanding it correctly. You're right.

[B]

It's probably.

[A]

I cannot get all the nuance of the world about every religion in a 40 minute podcast episode. I'm sorry.

[B]

We're going to go high level, though, so this will be fun.

[A]

So we had some fun with this. We had ChatGPT give us the top seven religions around the world, including the approximate number of followers they have.

[B]

Ooh, this will be fun.

[A]

So Kim Kardashian came out number one with hundreds of million. No, I'm kidding. Not Instagram followers. Guys. Religious following. You claim this religion. Okay, can you guess the top seven? Right.

[B]

Okay, I'm guess I'm going to try Christianity.

[A]

That's the number one answer. How many people.

[B]

Oh, gosh. Okay. How many people are in the world?

[A]

Seven or eight billion. Okay, how many of those are?

[B]

I'm 1.4 billion, actually.

[A]

Pretty close. 2.4. You're only a billion.

[B]

I'm only a billion. Okay, that's great.

[A]

It's pretty good. Okay, next.

[B]

Up next.

[A]

Next biggest religion.

[B]

Islam.

[A]

Correct.

[B]

Okay, with. Let's go. 1.1.

[A]

1.9.

[B]

Okay, 1.9.

[A]

Only 800,000 off. Now you're getting closer.

[B]

My margins are going smaller.

[A]

All right, next. What is the next biggest Judaism? Oh, far off, actually.

[B]

Oh, gosh. Hindu.

[A]

Yeah. Hinduism, do.

[B]

Okay, let's go. I'm going to go less than a billion there. Oh, shoot. One billion, Bob.

[A]

Perfect. 1.2.

[B]

1.2. Okay.

[A]

All right. And then we do have a drop from there. What's the next one?

[B]

Judaism?

[A]

Nope, man.

[B]

Buddhist.

[A]

Think close. Yep.

[B]

Okay.

[A]

Buddhism.

[B]

Okay, let's go. You said big drop, so I'm gonna go 200 million. 500 million.

[A]

That's it.

[B]

500 million.

[A]

Okay, half a billion.

[B]

Okay.

[A]

And then you're not gonna guess this next one. You know, I'm just gonna tell you. I wouldn't have. You can try. How about that? There's only so many left.

[B]

New Age. Is that a religion?

[A]

Nope.

[B]

Hey, go tell me. I don't know. I don't know.

[A]

I don't have Sikhism.

[B]

Okay.

[A]

Sikh. S I K H. Yes.

[B]

All right. How many there?

[A]

25 to 30 million.

[B]

Oh, wow. There's a good chunk of them.

[A]

And then Judaism, 15 million.

[B]

Okay.

[A]

Didn't you think it would be more?

[B]

Well, apparently. Cause I was guessing it here on the list.

[A]

Okay, that's shocking.

[B]

Yeah, that is.

[A]

And then this one actually is number seven. But it has a lot of millions and it's just folk religions. So think indigenous tribal traditions. Rural religions.

[B]

Yes, yes.

[A]

Rural regions. That's a tough one to say. Rural regions.

[B]

Yeah. Won't be able to say that quick, especially after this margarita.

[A]

Good job, though. You did great.

[B]

I did feel pretty great about that. Those would be the top ones, I would think. Okay, so out of all of those, George, what are we gonna dive into first? Should we go Christianity, since.

[A]

Yeah, let's go into that one. We know the most about that one for sure. And I think that one will be a good sort of barometer. That'll be the index.

[B]

Yes. So just kind of some, like, high level themes throughout Christianity when it comes to money. Not idolizing money is a big one.

[A]

Yes.

[B]

There is a lot of, you know, the love of money is the root of all kinds of evil. A lot of warning signs around wealth and money. Because I think it. I think it's pretty easy to say that it can easily replace God in your life. It's the thing that you go to, to find safety and security and all of it. And at the end of the day, as we all know, it's not the thing that satisfies. You know, we talk about on this show a lot. We want you to get control of your money. We're okay with you building wealth. Right. And passing it to the next generation. Changing your family tree, it talks about. But when it gets to the wrong place of prioritization in your life, that is the yellow flags blinking. And I feel like that's what Christianity teaches.

[A]

Yeah. And I. I think it's important to call out. A lot of people think, well, money's the root of all evil, Rachel. And you're going, no, it's. Read it verbatim. The love of money. And so that's the obsession, the greed that comes along with that. Where you. It does become a God in your life. So. Yeah. Loving it too much can lead to bad things.

[B]

Yeah.

[A]

And we've seen throughout history, to be fair, religions have used this as a sort of weapon. Totally. And money has been a, you know, controlling thing.

[B]

Yes. A dangling. Yes.

[A]

Or give us all of your money because that's what you should do.

[B]

Yes.

[A]

Or else. And so there's some gross parts to it that I don't want to gloss over. But the key is money as an idol. Bad.

[B]

Yes. Giving and generosity is big. The tithe.

[A]

Yeah.

[B]

So giving your money away is a big message as well. The generosity to your local church, to.

[A]

Those in need, to charities, the widows, poor.

[B]

Yes. I mean, to the point that what Jesus says that he'll separate the sheep and the goats of, you know, did you clothe me? Did you feed me? Did you visit me? I mean, it's a pretty viral.

[A]

That's the checklist.

[B]

Yeah. So, like, how do we do those things? Our time, our money? But part of that is you're living a life of service.

[A]

Yes.

[B]

Which is why we teach, too, to be giving at wherever you are in your financial journey. And we say that very consistently, even in the EveryDollar app. The very first line is giving. So that is. It's a principle of. Yeah. Of truth. Because it changes not only the world and situations, but it changes you too. And it helps it not become the idol, the thing that you're worshiping. That's as you're giving. And there's like a flow there.

[A]

It's sort of the antidote to. It's hard to be greedy when you're always giving.

[B]

A very generous person. Yeah.

[A]

I think of old Scrooge.

[B]

I love that. Yeah. Now, one thing I would be giving to everyone I know are Cozy Earth products.

[A]

That's outrageous generosity.

[B]

And specifically the cuddle blanket.

[A]

George, if I could give everyone in my life a cuddle blanket, I love.

[B]

Do you and Whitney love it?

[A]

Yes. It's the best because we have a new couch and we. I was waiting for the new couch to then use the cuddle.

[B]

Let it.

[A]

It deserves. It deserves a new couch.

[B]

I will say you want a. You want a deep couch because that thing is massive.

[A]

Yes.

[B]

And it's weighty, too. I mean, it is legit. Like, if you're looking for quality, that is it. And not just in the blankets, but all their products.

[A]

All of them. And when I have the, like the joggers and the athleisure with the blanket.

[B]

You'Ve never been put a fork in me.

[A]

I'm done.

[B]

Yeah. Never been.

[A]

I'm not getting up for nothing. Nothing could be a fire in the house. I'm like, just take me.

[B]

Just let.

[A]

Let me take me.

[B]

I'm happy.

[A]

It's my time.

[B]

I am 100.

[A]

So go check it out. They're giving our viewers and listeners a sweet discount. 40% off when you use the promo code Smart Money at checkout or go to cozyearth.com smart money. You can also use the link in the description.

[B]

Beautiful. Another point within Christianity, it talks about stewardship, meaning who owns what you have. And there is this belief and practice that you don't own anything. God owns it all. And so there's that mentality, too, that is talked about throughout scripture, and that helps with your perspective when it comes to your money.

[A]

Yeah. When you think about, you know, even the parable of the talents and as you build wealth, you got to think of it like, I'm managing this money for someone else. And that, honestly, is very freeing to me because it takes the pressure off of me because it's not my stuff. It's just, hey, I'm managing it for someone else. I want to treat this stuff well. I want to build the wealth and not just let it, squander it or, you know, bury it. And so I think that helps me invest differently, spend differently, give differently with that awareness.

[B]

Yes. Also, avoiding debt is very heavy in scripture, so it never. I will say the Bible never calls it a sin. Like, it's not a thing.

[A]

You can still get into heaven.

[B]

Yes, you can. If you have student loans, you can.

[A]

Still go to heaven, but Sallie Mae will follow you there.

[B]

Oh, my gosh. She'll be right behind you.

[A]

That would be wild.

[B]

Wouldn't that be crazy if it, like, turned into a person? What do you think Sallie Mae looks like?

[A]

Not pretty.

[B]

You don't think she's pretty?

[A]

No. Bad haircut.

[B]

Okay.

[A]

Poor hygiene.

[B]

All right.

[A]

Kind of just, eh, moth breath, for sure.

[B]

Oh, gross.

[A]

Yeah. You know what I'm talking about.

[B]

Yeah. Is she probably, like, what, late 50s, early 60s? What do you see her as?

[A]

Yeah, she. You know what? She's probably early 50s, but looks like a late 60s. Not aging.

[B]

Didn't take care of herself.

[A]

No.

[B]

Yeah, that's fair. All right.

[A]

Smokes in the house. That's what it's giving.

[B]

It's bad.

[A]

But she's got money.

[B]

She's just doing that.

[A]

No taste.

[B]

Oh, my gosh. Sally Mae. Well, we don't want her following us into heaven. That's for sure. Okay. So, yeah, there is. It is funny though, because every time debt is mentioned in the Bible, it is in a negative fashion. So everything is negative towards debt and building wealth quickly. Like through Proverbs. It's like major, major red light.

[A]

Oh, yeah.

[B]

So it is interesting the slowness of how we think about money and handle money and even grow our money versus, like, things being so quick and people use debt to try to build wealth quickly. Right. And that ends up in disaster.

[A]

That actually is the most shocking part. Like, I'm fine, you do you. But if you're a Christian and you are saying, hey, debt is the path, that it's okay to use this. That's the part I have issue with. I'm like, it's so clear.

[B]

Yeah.

[A]

That it's not a sin, but it's not a good thing that you should avoid it.

[B]

It's not wise. Yeah.

[A]

And you know, the language is strong. The borrower is slave to the lender. Proverbs 22, 7. Again, in Proverbs it says, wealth gained hastily will dwindle. Whoever gathers little by little will increase it. So again, get rich slow. That's the right motive. Versus get rich quick, which is what culture tells you to do. So that's a big one. Avoiding debt and greedy.

[B]

Yep. So good. And then lastly, which we kind of talked about is helping the least of these. So being that generous person and being aware of the needs of people around you, I think it's big. So I love it.

[A]

Well, beautifully said.

[B]

That kind of sums up.

[A]

Way to go.

[B]

I don't know that the high level of the, of the Christian faith. I'm sure there is more obviously, y'. All, but again, high level here. And we. We dove into a few other religions, George, to kind of figure out from a high level perspective. And we'll start with Islam, shall we?

[A]

It's the second biggest according to ChatGPT.

[B]

Yes. Okay, so here's interesting about Islam. Charging or paying interest is forbidden.

[A]

This one was fascinating to me because we've gotten questions about this.

[B]

Yes.

[A]

On the Ramsey show at live events, and they're like, hey, how do I live my life in this way when interest is forbidden?

[B]

We've gotten questions for a mortgage. Yeah. This. Right. And what did you find out?

[A]

That there's Islamic financing. So there's specific lenders that will run this through their financing operation to essentially sort of like bake in a fee, but not interest. That's ongoing.

[B]

Okay. So it's very tactical. Like, that's a very.

[A]

If you really want to do it by the book. You have to go through Islamic financing companies.

[B]

I wonder how many, like, live by that in America today. Like, is it like the debt thing in Christians, you know?

[A]

Yeah. Because in that regard, then if you're a Muslim, you can't have a credit card because technically there's interest involved. Now, that's if you carry a balance.

[B]

Sure, sure.

[A]

But any kind of debt. Yeah.

[B]

Car loans, all of it.

[A]

I've heard you have to go through Islamic financing if you want to do it kind of by the book.

[B]

Okay, so very fascinating.

[A]

And Judaism has a similar principle as well.

[B]

Okay. Okay. Are you ready for this one? On Judgment Day, people will be asked how they earned and spent their money.

[A]

What is that interview like, man? That's gotta be like an interrogation.

[B]

Oh, man, that. That would be wild. Okay, how would you feel?

[A]

How.

[B]

Okay, question, George, if on Judgment Day, everything of how you spent your money, how would you feel?

[A]

They. I don't know. The courts, the judge and jury, they would just be like, tell me about these dogs. How does one spend that much on dogs? Because they were only alive for 10 years out of your whole life, and you managed to blow most of your money on the dogs.

[B]

And then the next question is, when the dogs do pass away, are you getting more French bulldogs?

[A]

We've already talked about it. I've becoming a no dog person after these. Yeah.

[B]

Wow. Okay. I was gonna say, because what would be funny is if you died at 80 and you had, like, 16 French bulldogs in your lifetime. Two at a time.

[A]

I gotta go back to the part where you said it would be funny if you died at 80.

[B]

Well, I don't know. I just hit, like, hilarious.

[A]

I mean, I guess that's a pretty good. It's a pretty good lie.

[B]

I just. I'm trying to do easy math in my head.

[A]

So, like, I consistently had French bulldogs.

[B]

Yeah.

[A]

Yeah. That's a lot of French. No, they're. They're the most maintenance. So I think that after this, I need a break. Give me, like, a. Just a boring, like, golden doodle, hypoallergenic humanoid of a dog.

[B]

You're good.

[A]

Forgettable. That's what I want from my.

[B]

You know, I think the cringy of my spending, because it's getting bougier the older I get.

[A]

What's that?

[B]

Is our travel.

[A]

Oh, I travel.

[B]

I mean, I'm like.

[A]

As a cheapest.

[B]

Is where I put a lot of my money. Like, we joke about my Amazon, but it's like $20 earrings or, like, 15 shoes or whatever. It's like, pretty, but I do, like, from a total amount. Yeah.

[A]

You value experiences over things.

[B]

So I do wonder if that would be a bad judgment on what I spent.

[A]

I gotta wonder, what are they looking for here? You know what I mean?

[B]

Yeah.

[A]

Like, are they hoping that you gave it all to the poor?

[B]

And I hope our giving is up there.

[A]

Oh, that's true.

[B]

Cause, yes, that is a big, consistent part of my life.

[A]

I don't know.

[B]

I'm trying to justify it.

[A]

It would all balance out.

[B]

I know.

[A]

That's an interesting one, though.

[B]

Okay. Another one within Islam is wealth must come from a pure source. So not deceit, theft, gambling, anything like that. And Hinduism has the same type of idea.

[A]

I like that.

[B]

Which is great because, I mean, it's. It is coming from a pure source. So it's coming from your work, your hands. You're not. You're not taking advantage of anyone or.

[A]

No one was hurt in the making of your wealth.

[B]

Yes. Which is great.

[A]

Including you. Yeah, I like that one. Well, the truth is, gambling isn't the only thing you can do digitally today. Even for being as responsible as possible online. Your info is still out there, getting leaked and sold to spammers and scammers through these data broker sites. Which is why we love Deleteme. Regardless of what religion you are, your information's out there. And Deleteme will go out on hundreds of these data broker sites, find your info, remove it, and send you a report of what they've done and how much time they've saved you.

[B]

Yes, you guys, your family's information, your security online, your financial security is way too important just to leave exposed out on the Internet. So go and take action. Sign up for Delete me because they are an incredible resource, Winston, and I use them. And it is, it is so encouraging. When you get these reports and you see how many websites your data has been removed, that means you are at less risk of getting scammed. You know, phishing, physical, you know, these, like, texts randomly. Like all of this on all these sites and all these lists. They're going in to help remove it, which we love.

[A]

So go check it out. We're giving you guys a sweet discount of 20% off their annual plans. When you go to JoinDeleteMe.com smartmoney or use the link in the description.

[B]

All right, next is extravagance is discouraged and one must spend wisely and avoid waste. So that's within Islam. And then also Hinduism has the same kind of take on it as well.

[A]

So they're they're anti loud wealth.

[B]

Okay. So, yeah. So my traveling, they would not appreciate.

[A]

That's extravagant, Rachel. Avoiding waste is a big one, though. I feel like Americans, like, we waste a lot. And if you go to another country, like, why would you. That's perfectly good.

[B]

Yes.

[A]

Even they threw away a perfectly good pack of green beans.

[B]

I was going to say food.

[A]

It was a day past the Best Buy, and I went, I'm not risking it.

[B]

George, man. I. I do. I'm. I am embarrassed. I would be embarrassed by that. If there was a PowerPoint and you saw the amount of food that we have thrown away, I'm like, oh, I hate it so much. But, you know, you get a pack of three romaine stalks for lettuce, and you just make two salads. There's always one left. And it always just ends up wilted and sad in the fridge. I'm like, I don't know. I can't eat it now. Right? Like, there is a point that you're like, I can't. It's old.

[A]

And the worst is having a toddler. Because at one moment they'll be like, I want that banana. And then one bite and then it's.

[B]

Gonna go back and then they're done. Okay.

[A]

Or they just throw it on the floor.

[B]

You know what we used to do? We stopped. I say we a lot. This is more Winston.

[A]

Thank you for throwing him under the bus.

[B]

We used to compost.

[A]

Oh, wow.

[B]

So we have a garden, and he was, like, very in, especially for the first year or two of the garden, to use compost soil. So we would take all of our food that we didn't use. We didn't throw it away. We, like, composted it. And that did make me feel good, you know, inside. Maybe I should go back to that.

[A]

Is that you, like, repenting for atoning for these sins. This romaine, like, here's a banana peel. Earth.

[B]

I know. And then it goes back in, and then we get a cucumber later, you know, wow. And it's great.

[A]

Makes up for all the airplane rides you've taken destroying the earth. You're like, well, I recycled a banana.

[B]

Peel so those planes would have been going anyways. That Southwest jet was still going to go to Fort Lauderdale whether I was.

[A]

On it or not.

[B]

And I happened to be on it.

[A]

That. She makes a good point, guys. You can't argue with that.

[B]

Yeah. But. Yeah, that would make me feel better.

[A]

It's a good one. Okay, last one for Islam. Give two and a half percent of qualifying wealth to the poor every year. That's a minimum.

[B]

Okay.

[A]

It's just a minimum of two and a half percent. That's interesting. How do they come up with that exact percentage?

[B]

I know. Because the tithe in Christianity is 10%.

[A]

It's a clean 10.

[B]

Yeah, straight there.

[A]

Two and a half. That takes some math.

[B]

It does. I don't like the point.

[A]

Were they doing that on, like, tablets back in the day?

[B]

Round up to three just to be safe. You got to have the advocacy cover my Amazon spending.

[A]

Yeah, but I do like that it's. They make it a point to say, hey, you got to give a percentage of your wealth to the poor every year.

[B]

Yes.

[A]

Y. I don't know how that plays out. I don't know how you define poor. Is it charities? Is it just people on the street? I don't know, but I like it as a principle.

[B]

Under two.

[A]

Let. Let us know.

[B]

We love giving. We love a generosity.

[A]

If you are. If you're Muslim and you want to let us know how this plays out, I'm interested to learn.

[B]

Yeah, I'm right. Next. Hinduism. First point here. Wealth is one of the four life goals. Oh, so we're shooting for wealth here now?

[A]

I know. I want to know the other three.

[B]

Oh, I wonder what they are. Wealth, health. Probably shouldn't guess. Oh, this would be fun. Let's guess and then chat. GPT.

[A]

It's okay.

[B]

Health, wealth. Just because they rhyme. I'm gonna go peace.

[A]

Okay.

[B]

Like world peace. Relational peace. Peace.

[A]

All right, you're a true pageant queen.

[B]

Now you go four while I chatgpt.

[A]

Let's see the fourth. Yeah. I feel like one's gotta be inward of like a spiritual sort of enlightenment type thing. And then I think health and wealth are up there. And then there's got to be something that is others focused. So I'm guessing something. Generosity.

[B]

Yes. Okay, that's good.

[A]

That has to do with giving because of the whole, like, karma thing, you know?

[B]

Yeah.

[A]

Because it.

[B]

There is. You are reincarnated right within Hinduism.

[A]

I think that's Buddhism.

[B]

No, I don't think Buddhism is. I think it's Hindu. See, this is.

[A]

Everyone's laughing at this point.

[B]

This is why we need our world religion.

[A]

They don't teach this in schools.

[B]

They don't. Okay, you ready?

[A]

All right.

[B]

Righteousness and duty is number one.

[A]

Okay.

[B]

Prosperity and livelihood, which is what we were talking about. Number two, pleasure and desire. Number three. So, like, love, art, music, relationships, fulfilling your desires without harming others. And then number four is liberation. So freedom from the Cycle of rebirth. Oh, that's what we're just talking about. Oh, and union with the divine.

[A]

So that one is sort of a spiritual.

[B]

Spiritual knowledge. Okay, so that was your. You said, you're right there. Pleasure and desire.

[A]

That one was not on my bingo card, was peace.

[B]

I like that one.

[A]

It's like, hey, have a good time. As long as no one gets hurt. Yeah, I think. Yeah.

[B]

Yeah. And then number two again, that prosperity, earning wealth, maintaining health. Health. That's me.

[A]

Health is on there. Yeah. Way to go. That's part of the prosperity is health.

[B]

And wellness or one of the points. Okay. But we got there.

[A]

That's pretty good. That's hard to argue with.

[B]

Yeah.

[A]

I mean, even Ecclesiastes in the Christian Bible is like, hey, have a good time. Life is meaningless. Let's enjoy it while we're here.

[B]

I love Ecclesiastes.

[A]

I love it so much. My gosh, it has it all. It has the drama, it has the arc. You know, it has the rich guy telling us all, money's not everything.

[B]

That's right. We appreciate it.

[A]

We do. All right, next up with Hinduism, giving is a sacred duty, and it purifies the giver's karma.

[B]

Okay. Hey, there's the giving part.

[A]

So. Yeah.

[B]

And I like the word sacred.

[A]

There's a sacred duty.

[B]

I like that because I feel like it's not flippant when you hear the word sacred. It's like, very important, very whole.

[A]

Intentional.

[B]

Yes. It has deep meaning. It is very, very, very significant and special. You know what I mean?

[A]

Yeah. It's not just a thing to check off your list.

[B]

Well, I do feel like sometimes. Yeah. It's like, hey, make sure you give.

[A]

I don't know.

[B]

It can be. It can seem flippant, but I like the seriousness.

[A]

It's like, well, I gave a dollar at checkout for the kids.

[B]

You know where I do ground up Firehouse because it goes to the fire departments.

[A]

You know, you do that through your taxes, Rachel. But I love that.

[B]

Oh, yeah, I guess I do. Don't like. There's something about firemen that it was like, if you round up, I'm like, you know, I'm drinking out of this big jug, this big gulp of a fire. You know, the fire.

[A]

The firehouse subs cup. Is that what you're talking about? Yeah.

[B]

Cause they give it to you. I eat at Firehouse a lot.

[A]

Yeah. You know a lot about this.

[B]

They give you the stuff.

[A]

Except for what the name for a.

[B]

Cup is, and they take the big cup, and as you're checking out, it's all happening. So you got your, you know, and you're like, oh gosh, I feel like I should round up to and all the memorabilia around, you know, you see the hard working firemen. So I do give to them.

[A]

What about the police? What about the teachers?

[B]

I know.

[A]

All right, last one. For Hinduism, wealth is temporary and attachment to riches leads to suffering. Wow, that's a strong take at the end there.

[B]

Buddhism has a similar principle. So the, the attachment to riches leads to separate. You know what, I don't disagree.

[A]

That plays out in real life if.

[B]

You'Re, if you are attached to how much money you have, what you make, all of that. You know, I don't want to say everyone because that may not be true, but I would say majority of people eventually in their humanity hit a wall and it doesn't get them where they want to go.

[A]

Well, usually if you're that person, you don't have true relationships. Yeah, everyone in your life is a transactional thing. They're friends with you because of your money, you're flaunting it.

[B]

Or you're friends with all the same kinds of those people and you just have no like real relationship. It's all just like we're all patting each other on the back. I don't know, something to it.

[A]

You know what?

[B]

Not mad at that point. Let's be honest. Let's be honest. All right, next up, Buddhism. Okay, ready for this first point. Earn a living without harming others.

[A]

Wow.

[B]

Is one of the major points.

[A]

So that's a tough one because I would imagine a lot of industries and companies, you could make the argument that they actually harm people. Especially when you go into the, you know, lending industry, for example.

[B]

Yes.

[A]

So if you're Buddhist, you can't work at a, at a car dealership putting people into car loan, you know, does that count? I don't know.

[B]

That's a good point.

[A]

What counts as harming others?

[B]

Yeah, like junk food. Not good for you. You know what I mean? Health, tech. I don't know. Technology. We could argue that at points that they are setting up and trying to create people to be addicted to their ads.

[A]

If you work at Facebook or something and it's causing a generation of, you know, tech addict. I don't know. Again, let us know in the comments if you are Buddhist. How does this play out? I'm interested. Another one from Buddhism. Wealth should support compassion. So giving to family, workers and those in need. So again, seeing a thread here, the generosity portion, it's okay to build wealth, you should build wealth, and you should do it with the spirit of giving in mind.

[B]

Okay, next. In Buddhism, contentment is the greatest wealth.

[A]

Yes. Now they're speaking your language.

[B]

Yes. Right. There is something about that that is so true because there is this inner peace. And I do feel like Buddhism. Like, I feel like what I've read, a lot of it is opposite of, especially the Western world. Like, they see suffering as almost a gift because of, like, what you learn from it. Like, they. I don't know. They don't have a lot of high expectations of, like, an easy. They don't run towards easy.

[A]

Yes. Like, comfort is not a thing you're aiming toward.

[B]

Right? Yes. Yep. That's not, like, a goal where, like, the Comfort Crisis was a great book about how Americans. It's all, we. We just want to be comfortable in every aspect of our lives. Yeah. And I do feel like they're a little bit different. So that contentment piece, obviously would be a result of that mindset where it's like, I'm good.

[A]

Like, how long would you make it as a Buddhist monk?

[B]

Oh, man. Are you silent or.

[A]

No, let's go with silence because I think that would really shorten your lifespan. Shorter as a monk. They'd kick you out.

[B]

Oh, my gosh. I probably should do, like, a silent retreat to try it out, but I'm gonna go a solid five days.

[A]

Okay. That's pretty good.

[B]

I think I could go five days.

[A]

Let's prove it.

[B]

You. We're sending Rachel on an all expenses paid trip, too.

[A]

I could definitely do two weeks. Wow. Yeah, it depends on, like, the hygiene. Like, can I bring my hair products? Do I have to shave my head? You know what I mean? Like, what. What's required of me?

[B]

Yeah. What if you didn't have your hair products, George?

[A]

I mean, I'd be fine. Yeah. But can I shower every day? I don't know what the hygiene. You know? Yes, I know. There was a show that, like, what's the mattress like? I want to know that ahead of time.

[B]

Yeah. And I don't think. Great. Like, you're not at the Four Seasons, you know? Yeah.

[A]

I don't expect, you know, memory foam. I just need something that isn't going to give me back pain because then I'm going to complain all day to the other months.

[B]

You're going for contentment, remember?

[A]

It's hard to be content.

[B]

Suffering is part of it, George. Like, there is a part of, like.

[A]

Have I not suffered enough not being comforted?

[B]

You wipe your dog's butts. You do suffer, so.

[A]

Thank you.

[B]

I'll give it to you. I'll give it to you.

[A]

That's a good one. Okay, moving on to Judaism.

[B]

Judaism. So rest from commerce on the Sabbath. I wish we did more.

[A]

We love the Sabbath.

[B]

We love a Sabbath. Give me a Sabbath. And I wish we, like, did it more, you know? Yeah, we don't participate in a hardcore Sabbath. Like, hardcore. They don't even cook. Like, they prep all their meals. I mean, it's like.

[A]

Oh, that's amazing.

[B]

Yes. Like, they do.

[A]

And they don't go anywhere, right?

[B]

I don't think so. I don't. Yeah, but it. I mean, it's a very, very, like. It is true. Rest, like you literally are not doing anything. And I think that is so good. Now people do the Sabbath, like, from technology and things I've heard families do, which I love that.

[A]

That's a great one.

[B]

But I do like the change of pace on a day of the week.

[A]

You know, I'll be honest, I think Christianity, I feel like Sundays can be chaotic. Like trying to get ready, get the family ready for church. Like, that doesn't feel restful.

[B]

Yes, I agree. What's. What time is your service that you go to?

[A]

11.

[B]

Oh, I was gonna say you should go to an 11 o' clock all morning, but. I know, never mind.

[A]

But it still feels like it's not. I wouldn't call it restful.

[B]

Yeah, I would agree. Which begs the question, are we doing that right?

[A]

You know, that's what I was getting at.

[B]

Early church history.

[A]

What did the early church do?

[B]

Well, it depends on what time period you're talking about.

[A]

More small group vibes, like a Thursday night.

[B]

Well, once Constantine came into power, then Christianity became legal. So then churches came out of, like, home churches, which is what we read through the Bible, out to actual, like, public displays. Like in, like, the third. Is it the third century? Wow. Yeah. When Constantine was like a big pivotal moment for the legalization of Christianity. But we don't get into all of that now.

[A]

No, that's fascinating.

[B]

But. Yeah, but I think they became weekly. But communion, the Eucharist was big. They always took that. Yeah, it's very fascinating, George, as you get into it.

[A]

Ancient traditions, we can edit that, all that out. Speaking of ancient traditions, you're gonna love this one, Rachel. Judaism, debts are canceled every seven years.

[B]

What between.

[A]

Like it says within the community, a.

[B]

Jewish person to a Jewish person.

[A]

Yeah. I think the context is in the community. This does not apply to us. Debt laws for.

[B]

Right, right. I was gonna say, yeah, it's not.

[A]

Like, well, I'm Jewish, so I'm just gonna let that credit card debt just roll out after seven. It doesn't work like that. But I think within the Jewish community, debts are canceled again. I'd love to know more about this, how this actually plays out.

[B]

Yes.

[A]

But I imagine if the debt is with a company, you're out of luck.

[B]

There was an interesting book that dad Dave loves called Thou Shalt Prosper by Rabbi Daniel Lapin. Yes, by a rabbi. But he does talk about how the Jewish people, from a financial standpoint, they do prosper.

[A]

They have a tendency to prosper.

[B]

Yes. Because a lot of their mindset around money, which I think is just fascinating. Like, they. They always do really well. Like, they're pretty conservative when it comes to regard.

[A]

Like, throughout history, that's the answer.

[B]

Yeah, yeah, yeah. 100%. Yeah, yeah. Thousands of years.

[A]

I love it when you look well. Hey, we love when getting out of debt is actually a value and priority for the people keeping our money safe. Which is exactly why we love Fairwinds, which was one of our new sponsors. And most places, most bank that handle your money, it just feels like you're an account number. You're lucky to get a hold of a person. They're actively marketing to you to get you further into debt, not to help you manage your money. And Fairwinds is the opposite. They're not a bank, they're a credit union, which means they're owned by their members, not Wall Street. So every decision they make is about your financial freedom, not their bottom line.

[B]

Yes. Which I love. And they really do care about the person. Yeah. You are not just an account number out there. You're a person to them. I mean, and their customer service is. Is phenomenal. Like, even their process to sign up and to get an account with them is so easy. It was. And it was so quick, too. I was, like, shocked by it.

[A]

I knocked it out in five minutes on my phone.

[B]

Yes.

[A]

During my lunch break.

[B]

It is so fast. And then they call the next day.

[A]

Yes. Just checking in. A real person checked in with me.

[B]

Making sure everything's good. And you're like, oh, my gosh. Yes, thank you. I don't know. I just. I love. I love them. So, Winston, I've been so happy with our Fair Ones account. And they're. They are. They're incredible.

[A]

And they're huge fans of Ramsey, which means they're not going to hit you with the junk fees. They have better rates, better dividends. So I would go check it out if I were you guys and join a credit union that is all over the Nation. Go to Fairwinds.org Ramsey today and see how fast you can sign up. See if you can beat Rachel's time.

[B]

5 minutes and 45 seconds.

[A]

She's quick on the phone. I wouldn't. I wouldn't go against her in a competition.

[B]

Yeah, I don't use a laptop. Rarely ever.

[A]

I've never seen you use a laptop. That is a claim to fame for you.

[B]

I know. I do everything on my phone.

[A]

Very impressive.

[B]

It's pretty great.

[A]

So millennial of you.

[B]

Yes.

[A]

Hey, we'll drop a link in the description to that as well, in case you don't want to type out fairwinds.org Ramsey. That's fine.

[B]

We get that.

[A]

You ready for this next one?

[B]

No, I can't say the word. Can you?

[A]

Yes. Go. Sadaka. Final answer.

[B]

Man, you're really great at phonics, George.

[A]

Thank you. Well, I do speak Arabic as a.

[B]

It is true.

[A]

So. Not that the words, like, translate very different, but close. But when I watched Passion of the Christ, I was like, I'm getting some of these words. Aramaic, very different than Arabic, but.

[B]

Oh, enlighten me. Wait, what?

[A]

Well, Aramaic is like, the original language.

[B]

Yes.

[A]

So did it.

[B]

Did it turn into Arabic?

[A]

I think kind of like a Latin. Like, a lot of words stem from the Aramaic.

[B]

Okay. But not like, not word for word. Not word for word.

[A]

But it always felt good when the subtitles were on. I was like, didn't need them.

[B]

Didn't need them. I could figure that out.

[A]

I know what he said. He said God.

[B]

Oh, my gosh. That is impressive, George.

[A]

So this one, this word, tzedakah in Judaism is about charity, is justice. It's not optional, it's a requirement.

[B]

You know what? Yes. I think it should be yes.

[A]

And is what Rachel said.

[B]

Amen. Be honest in business and have fair ethical scales. I like that point, too. So, again, making sure that you're not taking advantage of people is a major principle within Judaism in your money, which I love. Gosh, George, there was a lot of common threads. Yeah.

[A]

Like, it's weird because they're all so different. We can agree on that.

[B]

Yes, for sure.

[A]

But the actual principles, if you had a Venn diagram, shockingly similar.

[B]

None of them were like, get wealth and hold it to yourself.

[A]

So what are the common threads? You noticed that wealth is not evil unless you get obsessed and make it a God.

[B]

Yeah, that's right. Yeah. If it becomes the number One thing in your life. Warning signs, I feel like, from a lot, but majority of these. Yeah. Yeah. Not evil. Like you're not gonna be damned because of it.

[A]

Yep. There's no threshold where if you have this much now, you're a bad person.

[B]

Yeah. No, no, no, no. The generosity piece. I love that.

[A]

Almost every single one had a piece about generosity and others focused.

[B]

Yes. Like that.

[A]

Selfless, not selfish.

[B]

Yes. That is why it is so important. And I love that. Yep. Everything's agreed upon. Because I think we all know in our human selves that generous people are so much better to be around. Like, you're just a better person. When you're a generous person, you draw people in.

[A]

It's just a more attractive way to live.

[B]

Yes. And it's good for you. It's good for people. The world, you know, So I like that.

[A]

So we got. Well, and we have debt, too. None of them spoke positively of this.

[B]

No, they didn't.

[A]

Even one is, hey, you can't pay interest.

[B]

Yeah.

[A]

You can't even do it.

[B]

Don't even do it.

[A]

Don't even think about it.

[B]

Don't do it. Love it. Stay away, y'.

[A]

All.

[B]

Hey. That's a lot of good takeaways, George.

[A]

I like it. Which. Which money principle is the most challenging.

[B]

For me or just like, we think, like, for you, just in general or.

[A]

If you had to go live out this principle.

[B]

I mean, on Judgment Day, if I had to take it out for everyone, I spent my money.

[A]

You think it's like honor system. Do they just ask you and hope that you tell the truth?

[B]

That just feels.

[A]

And how do you sum up an entire life?

[B]

Christianity. Let's be honest. It's mostly like your sin. Right.

[A]

Like, there's, like, you know, especially the Catholics. We didn't get into that, but could have spent the whole lifestyle.

[B]

You got Protestant, Orthodox, Catholicism under the Christian umbrella. That's true. Yeah. So I think it would make me. Yeah, that one. That one would be hard for me. Again, not that I'm doing anything illegal, but you're just like, oh, man, do I suck.

[A]

But it's like, you could have been doing better for the community.

[B]

Right. I know. So that. Okay. How about you?

[A]

Oh, the one I would struggle with the most. I mean, I think the giving as a sacred duty kind of challenges me a little bit because it does sometimes feel like when it's on auto pay, and it's all right, I paid the tithe, it can feel like just another thing that came out of the bank.

[B]

Sure.

[A]

And so it's hard for me to grasp the gravity of it.

[B]

Yes, yes.

[A]

And to be. Feel connected to the giving.

[B]

Yes, that's true.

[A]

So that challenges me to think differently about how I can be more connected. I love that when I do give.

[B]

That's so great. Well, if you need any level of taking some of these principles and actually organizing it in a tactical way, check out our EveryDollar app. Because it's a great app for not just budgeting, but even taking some of these principles and applying it to your life. It really does help.

[A]

You don't need to hope you have money left over to give or to build wealth. It'll just be there because you planned for it. So go download the EveryDollar app or click the link in the description and we'll send you over there.

[B]

Love it. All right, George, before we spill the tea in our guilty as charged segments, what are we drinking? Give us the details.

[A]

The tart cherry margarita. And yeah, you gulped yours down early. I'm still working on mine. This. It's about, I don't know, 38 ounces in here. It feels like there is a lot.

[B]

I liked it, though. Okay, what's your rating?

[A]

I'm getting a second opinion here. My rating is a 10 out of 10. If I was at a Mexican restaurant and this was the special of the day, sign me up for two.

[B]

You know what I'm gonna say? Yes. I wish there was some salt on the rim.

[A]

I was just gonna say that some salt will really.

[B]

Because it's like kind of tartish.

[A]

The salt with the tart would have been nice, but I can't complain.

[B]

We will give you a note. We never give notes for him.

[A]

Yeah. I will say the straw is a good move because trying to drink out of the chalice here would have been detrimental.

[B]

The chalice?

[A]

Not to bring religion back into you.

[B]

I know. We're so holy.

[A]

Wow. This has got the tart cherry margarita, tequila tart cherry juice, lime juice, and agave nectar. So pretty simple to make at home. You just need to go buy some tart cherry juice, which is also great for sleep, by the way. Did you know that?

[B]

No.

[A]

Take a little shot of tart cherry juice before bed.

[B]

Where do you buy tart cherry juice?

[A]

Store.

[B]

Store.

[A]

You can get it anywhere. Now, the hard part is finding it not from concentrate.

[B]

Okay.

[A]

Versus from concentrate.

[B]

Okay.

[A]

But I mean any.

[B]

Can you buy tart cherry juice?

[A]

I've been known to purchase it.

[B]

Really?

[A]

Yeah.

[B]

First sleep.

[A]

I was doing it for sleep, but then I found out you can make margs with it, which now we're sleep even better. That's a good one. $2.56. If you want to make this at home per serving, go check it out. Recipes in the show notes. Give it a try at your own leisure.

[B]

So great. All right, George, now it's time for guilty. Guilty as charged. And this is where we ask each other a guilty as charge question every week. And if we're guilty, we take a sip. All right, George, are you guilty of being a little too obsessed with a Ramsey financial teaching?

[A]

Oh, okay. I'm trying to think through the teachings and go, like, which one am I obsessed with? I would say the one I went a little, like, hard in the paint not to make a sports reference was baby step six, the mortgage payoff. The early mortgage payoff. I had gazelle intensity, which we do not require or even ask for.

[B]

Yes.

[A]

We say once you're out of baby step one through three, which is paying off debt, consumer debt, and getting the emergency fund. You move from intense to intentionality. And I just stuck with intents.

[B]

And you went all the way.

[A]

So, yeah, when people ask me, like, what'd you do? I go, well, this is what I did. I'm not saying you have to do it this way.

[B]

Yeah, we just took baby step six all away.

[A]

Yeah. The first time we paid off our home, we did it in 26 months. And we went and we did our debt free scream on the show.

[B]

Yes, I remember that.

[A]

And it's. That's an insane timeline. Totally to do it, but we just want. That was an intentional goal we had before we were even married. We were like, hey, when we get a house, we're going to pay it off quickly.

[B]

Yes. That's great.

[A]

How about you? I mean, you've been inundated with the principles for 30 years now.

[B]

I know. I'm trying to think, which one are you obsessed with?

[A]

Which one haunts you at night?

[B]

I don't know obsessed. But, like, I do find myself, like, correcting my kids sometimes just in the words they use. Like, they'll be playing and they'll be like, you know, they'll get, like, a kit with, like, a purse, and it has, like, a mirror, a brush, like a little plastic card and all this. And they'll be like, it's my credit card. I'm like, no, it's not. It's a debit card. We don't have credit cards. And I, like, find myself like, oh, my gosh, we don't do that. Or they're watching Mr. Beast games.

[A]

Oh, yeah.

[B]

And he was giving away all this money and it got towards the end and a lot of them were using it to pay off debt. And I think one of my kids was like, oh, debt, that's cool. I was like, no, it's not. No, it's not. Or like I find myself like very on edge and that terror. I don't know.

[A]

I do get overly defensive, I find when it comes to that. Especially the debit card. Like people like you can't. I'm like, but I have and I do.

[B]

Right, right.

[A]

So that's where I think that kind of plays into.

[B]

I don't know. But correcting like a little four year old and she's playing.

[A]

Yeah, that's a little over the top.

[B]

I'm like, no, it's a debit. Say debit card. You know what's funny? Debit. My mom, Sharon Ramsey still will randomly like go get my, my credit card over there. And my dad is like, me. Like, Sharon has a debit card. She's like, why? Like we have credit cards and over 40 years. And Sharon was just.

[A]

But it's just like ingrained in her mind and she's just living her life.

[B]

Just saying the word. Yeah, but it's not it. But yeah, anyways, maybe I love that.

[A]

I have noticed a lot of kids toys are starting to come with cards. Like we got. Yeah, they do me a little like pizza station, which you would love. Yes, it's a pizza truck.

[B]

Pizza.

[A]

So she can make pizzas. Ice cream station. But it has a little like card reader thing with a little red card.

[B]

Stop it. Oh my.

[A]

And I'm like this. I'm going to write in debit. Debit learns early on.

[B]

You see how I feel.

[A]

And I'm going to teach her don't do tap to pay. We're going to bring cash because it does come with cash as well.

[B]

We're not doing any level. Yeah, no TAP and no apple pay here.

[A]

I want you to feel the pain at purchase me.

[B]

Oh my gosh. Well, if you guys have a guilty of search question for us, make sure to DM us at Rachel Cruz and at George Camel. And if you enjoyed this episode, you definitely want to check out our episode unique money traditions that you won't find in the US So we'll put a link in the show notes for that and we'll see you guys next Thursday on an all new episode of Smart Money Happy Hour.