What You Should Do With Your Money Before It’s Too Late

Summary

Smart Money Happy Hour: "What You Should Do With Your Money Before It’s Too Late"

Podcast: Smart Money Happy Hour with Rachel Cruze and George Kamel
Network: Ramsey Network
Episode Date: October 23, 2025

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Episode Overview

In this lively, humorous, and practical episode, money experts Rachel Cruze and George Kamel embrace the spookiness of Halloween by tackling a serious, often-avoided subject: what happens to your money (and debt) when you die, and what you need to do NOW to set your loved ones up for success. Through personal stories, pop culture references, and clear actionable advice, they break down the essential estate-planning moves every adult should make—without the jargon or overwhelm.

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Key Discussion Points & Insights

1. A Lighthearted Take on Death and Money

• George and Rachel set the tone by reflecting on death with humor and warmth—discussing everything from funeral playlists and casket deals to what's really important when planning for the end of life.
  • George shares about the recent passing of his grandmother and the practical steps he took to get his family's finances organized (02:04).
  • Rachel and George discuss how becoming parents made them realize the importance of clear plans for their families.

2. Funeral Planning: Keep It Fun, Keep It Frugal

• George wants a "Costco casket" and price-matching strategy, determined to be frugal even on his way out (03:34).

• They joke about making their funerals fun—a roast instead of solemn speeches, themed outfits (06:29), and carefully selected playlists.

• Memorable anecdote: George’s Photoshop debacle editing his grandma into a solo funeral photo—only for his hard work to be cropped out (07:00).

  "Pre choose the photo you want at your funeral. That's a big deal. People don't think about it." — George (08:16)

3. Estate Planning Basics: Wills, Trusts, and Probate

• Probate Explained: What happens to your assets after you die—everything goes through probate, the legal process by which a court validates your will and ensures debts and assets go to the right people (09:28).
  • If you don’t have a will, the court (and the government) decide who gets what (10:03).
  • A will provides clarity, saves time, and reduces family infighting.
• Wills vs. Trusts:
  • A will dictates where your stuff goes after you die; it takes effect upon death and must go through probate (16:40).
  • A trust holds your assets while you’re alive and after death; it bypasses probate, is private, and allows you to control how and when your heirs receive money (17:29).
  • Not everyone needs a trust—mostly helpful for those with complex or substantial assets.
  • Trusts are more expensive to set up and usually involve legal fees (18:04).

4. What About Debt After Death?

• Not all debts pass to your heirs:

  • Debts that must be settled (11:30): Mortgages, car loans, joint account credit cards, and co-signed loans.
  • Family does not inherit debts that aren’t theirs.

  "If someone tries to come after you for a debt that's not yours, you can say kick rocks and pound sand. That's what I tell them." — George (11:53)

• Advice: Don’t delay—start paying off debts now so you’re not leaving financial chaos.

5. The Importance of Beneficiaries

• Naming beneficiaries on accounts (bank, retirement, insurance) is crucial. The named beneficiary supersedes the will (12:56, 25:09).
  • Keep beneficiaries up to date, particularly after major life changes (divorce, remarriage).
  • Real-life example: Widow whose husband never changed his beneficiary, resulting in the ex-spouse receiving the assets (25:18).

6. The Power of Attorney: Who Decides If You Can't?

• Power of Attorney lets you appoint someone to make financial, medical, or legal decisions if you're incapacitated (19:49).

  • Discussed how difficult and important this decision can be: "Are they going to pull the plug?" (20:22)
  • Rachel shares a powerful, personal story about a friend's miraculous recovery after months in a coma, making her rethink her DNR wishes (21:37).

  "If I was in a coma for six months, once I saw the hospital bill, I would die again." — George (22:47)

7. How Inheritance Really Works

• If you’re left something in a will, you’ll be contacted by the executor, lawyer, or court—so don’t stress about missing an inheritance (13:40).

• What to do with windfalls:

  • Apply inheritance to your current financial "baby steps": pay down debt, build an emergency fund, invest wisely, and avoid "strings attached" from well-intentioned but unrealistic wishes (e.g., being pressured to buy a home before you’re ready) (14:08, 15:16).
  • Spread out inheritance for children to get it at milestones (college, age 25, 28, etc.).

8. Intestacy—Who Gets Your Money If You Have No Will or Kids?

• The legal default order: Spouse → Parents → Siblings → Nieces/Nephews, etc. If no kin, it goes to the state ("escheat") (27:07).
• Entertaining discussion of random beneficiaries (like a beloved gardener) and odd family trees (28:03).

9. Quick Do’s and Don’ts for End-Of-Life Financial Planning (30:37)

DO:

• Write a will—even if you don’t have much, it makes basic decisions easier.
• Set up power of attorney.
• Keep beneficiary information current and consistent on all accounts/documents.

DON’T:

• Rely on verbal promises or casual notes; only legal documents hold up.

• Delay or procrastinate; your loved ones are the ones left to clean up the mess.

• Let apathy dictate your family’s future—handle your debts and paperwork now.

  “You won’t be the one cleaning up the mess when you pass, but your favorite, most beloved people will be.” — George (32:25)

10. Practical Tips, Resources, and Final Thoughts

• Choose now the photo, playlist, and any specifics for your funeral.
• Download the Ramsey Estate Planning Guide (35:02).
• Be grateful for the present, and leave a clean, generous legacy.

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Notable Quotes & Memorable Moments

| Timestamp | Quote | Speaker | |-----------|-------|---------| | 03:13 | "It was, dare I say, romantic...knowing what to do if something...happens, it's a big deal." | Rachel | | 11:53 | "If someone tries to come after you for a debt that's not yours, you can say kick rocks and pound sand. That's what I tell them." | George | | 14:08 | "You honestly, you just want to apply [an inheritance] to the baby steps wherever you are." | Rachel | | 21:54 | "I've told Winston, like, if I'm not here, you just send me on. Like, I'm ready...but now after this, maybe just put me in the corner for, like, I don't know, 12 months." | Rachel | | 22:47 | "If I was in a coma for six months, once I saw the hospital bill, I would die again." | George | | 25:18 | "If you have a new spouse, make sure you change the beneficiary on all accounts." | George | | 32:25 | "You won’t be the one cleaning up the mess when you pass, but your favorite, most beloved people will be." | George | | 34:00 | "I want to do a ChatGPT slideshow of me doing heroic, courageous, brave, noble things...and I want Sarah McLachlan, Arms of an Angel behind it." | George |

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Fun Anecdotes & Personal Asides

• Rachel’s mom wants her daughters to pre-claim jewelry so nothing gets sold posthumously—“She tells us that, like, three times a week.” (37:54)
• Rachel wants her mom’s Christmas china—describes it in detail for her siblings on-air (38:36).
• George’s family are “secret hoarders”—he’s in his “purge phase,” not feeling attached to stuff (40:28).
• The hosts riff on putting up iPads at funerals with slideshows, and George wanting to “rise from the grave” if a low-quality photo is used (33:07–34:00).
• Discussion of family trees, naming, and being the “last branch” with some playful genetic genealogy stories (29:10).

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Timestamps for Key Segments

• 00:21 — Show intro; death and money in pop culture
• 02:04 — Personal stories on death, family responsibility, prepping documents
• 06:29 — Funeral planning: themes, colors, playlists, and photos
• 08:16 — The importance of pre-choosing your funeral photo
• 09:28 — Probate explained: what happens to your assets when you die
• 11:30 — Handling debt after death: what heirs are and aren't responsible for
• 12:56 — How and why beneficiaries matter most
• 14:08 — Inheritance: what to do when you get a windfall
• 16:40 — Will vs. Trust: definitions, uses, and myths debunked
• 19:49 — Power of Attorney: what it is, why everyone needs one
• 21:54 — Medical miracles and DNR decisions: a personal account
• 25:09 — The critical importance of updating beneficiaries
• 27:07 — Who gets your money if you have no kids or will
• 30:37 — Quick do's and don’ts for estate/legacy planning
• 32:25 — Why organizing your affairs is a final act of love for your family
• 37:54 — Audience Q&A: pre-claiming family treasures and sentimental inheritance

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Resources Mentioned

• Mama Bear Legal Forms — For creating wills (09:56)
• Ramsey Estate Planning Guide — Comprehensive process to get started (35:02)
• Delete Me — Personal data and privacy removal service (26:03)
• Fairwinds Credit Union — Banking partner focused on member ownership (12:21)

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Conclusion/Call To Action

With honesty, wit, and practical wisdom, Rachel and George make the case that preparing for death is an act of love—not morbid, but empowering. Don't delay: get your will, power of attorney, and beneficiaries in order; minimize debt; and think about the legacy you want to leave (including your best photo!).

"Leave them with a good taste in their mouth about how you lived. So handle your debt. Get the paperwork in check. Allow them to grieve without added financial chaos." — George (32:53)

Transcript

[A]

Foreign.

[B]

The Death Box. And no, that's not the name of an undiscovered emo rock band. And yes, it has to do with you and your money. If I was in a coma for six months once I saw the hospital bill, I would die again. I swear, if I have a bad quality photo in that frame, I will come back from the grave.

[A]

Have you ever pre claimed something from a relative's house long before they die? Hey, guys, I'm Rachel Cruz. I'm George Camel, and this is Smart Money Happy Hour. Well, this is the show where two friends who have to be money experts talk about what you're talking about. Everything from pop culture, current events, and money.

[B]

And before we get to the. The hot content you came here for, let's talk about what we're sipping on. This is called a night king.

[A]

Oh. Oh, well, hey, King Spooky Night King.

[B]

We love a king.

[A]

We do love a king.

[B]

We're gonna give you the rating and reveal the cost per glass at the end of the episode. So stick around for that. But Halloween is upon us, and we are here to gently remind you that we are all going to die.

[A]

Thanks, George. And it reminds me of Kourtney Kardashian when Kim loses her earring and she's like, kim, there's people dying everywhere.

[B]

That was a great impression.

[A]

But do you like our outfits, too? We're very much like in the theme theme of Halloween morning, little morning action, because we are going to talk about death. Yeah.

[B]

I was recently at a funeral, so I had to buy a new suit. Didn't fit in the old ones.

[A]

May I ask who passed?

[B]

Grandma.

[A]

Your grandmother passed away, George Winton. Recently?

[B]

Yeah, just a few months ago as the. At the time of this recording.

[A]

Okay, okay.

[B]

Yeah, yeah. But she. She had a great fold.

[A]

How old was she?

[B]

She was at 94 or something. That's a great 93.

[A]

Great jeans you're gonna get.

[B]

I hope so. And Whitney's side. Both, Grandpa. Like 99, Grandma. 98. So this bodes well.

[A]

Yes. Y' all are gonna do great in life.

[B]

Thank you for that.

[A]

You don't have to worry about this episode.

[B]

I have heard short people live longer. So take that, guys who are six feet tall.

[A]

Really? Because your body just doesn't have to, like, do as much.

[B]

I think it's, like, less strained. Yeah. Less inflatable. You know, dealership guy.

[A]

You think about, like. Yeah. Like, your heart pumps blood and that's a. That's a long way to go. But when you're short, have to travel that much.

[B]

That has to be the science behind it.

[A]

That's literally what I thought.

[B]

That has to be it. So to all my short kings out there, know you will live a good, long, full life.

[A]

Oh, my gosh, I am so, so glad.

[B]

Well, I thought of a lot about death as I became a dad because it just makes you take stock and go, like, okay, is my family going to be okay?

[A]

Yeah. I'm responsible now. Not just for me.

[B]

The grown woman can hopefully take care of herself. She's got term life insurance. But there's so much else I got to think about now with wills and who's going to take care of the baby and the dogs. So I've been thinking about this more and. And Whitney was very impressed with me most recently when I created a little game plan. I just created a document of, like, here's all the accounts you need to know about. Here's the logins, here's the numbers. Here's how much is and what. Here's who to contact. Here's the website. And I mean, she was flabbergasted.

[A]

Oh, I bet she loved you more after that. Yes.

[B]

It was, dare I say, romantic. Yes.

[A]

Hey, I'm not kidding. To know things are, like, taken care of and knowing what to do if something or when something happens, it is. It's a big deal. Okay. We've talked about funerals, our funerals on this show before, I think. Do you remember wanting a Costco casket?

[B]

Yes, I still do.

[A]

You still do?

[B]

And I find out this is big. Cause a lot of people from funeral homes got mad at me. I think I said, like, funeral homes are a scam. And a lot of good people out there running funeral homes were like, no, we are good people. This is not indeed a scam. I believe that we are providing a service for sure. There's a lot involved, so I get that. But they said that they will, like, price match the Costco casket. So even on my. In my dying deathbed casket, still going.

[A]

To get a deal, George, I want a deal.

[B]

I want to be frugal on the way out, baby. I get a deal, my family's not going to overpay for that casket.

[A]

Oh, my gosh. Have you thought about your funeral? Is there things you like?

[B]

I have more and more because I want it to be fun. And so I don't know if I want like a. Maybe a roast. Like, hey, if you show up, I want at least 10 people to get up there and, like, roast me. I love that. Don't say anything nice.

[A]

Yeah.

[B]

You can't.

[A]

You know, a funny funeral would be like, great. Do you know what I mean? Like, when you can have the levity, like, that is a gift. I think that's great.

[B]

Can I tell you, on the way into my grandma's funeral, we got stuck just like a line of traffic totally stopped.

[A]

I was like stuck in the doorway. What do you mean?

[B]

Turns out there was another funeral happening and it was a black funeral and it was like a party. And the song that they were playing was Every breath youh take, Every move you be you make, I'll be watching you. And I was like, wait, is this what, like grandma wanted to be the final song? Like, why are they playing this?

[A]

Great.

[B]

Because I was like, this is either super hilarious or super creepy.

[A]

Yes, but that's so great or wonderful because it's right there.

[B]

So I might steal that idea and play that song at my funeral.

[A]

That is so. I like a roast. That's funny. It's very self aware. That's very you.

[B]

Thank you.

[A]

I saw this funny video on Instagram the other day and it was this girl talking about, this is so bad. She was like, you know, like on all the dateline2020s, like, someone gets murdered and they like. And the friends are on screen. They're like, she was just so wonderful. She would walk in and brighten up her room. Like everyone wanted to be her friend. She's like, don't say about that about me. We all know it's not true. I got two friends. It's all I like. And I'm not. I'm not that happy. So don't be lying on Dateline if I ever get murdered.

[B]

I don't want to catch you lying on Dateline.

[A]

I don't know why it made me laugh. I was like, that's so funny. Very self aware. So I think about that for you. Mine, I definitely make sure my nails are done.

[B]

Oh, okay. What color are we going with? Can I guess?

[A]

Let's just go like. Let's go a little neutral.

[B]

Funny Bunny.

[A]

George, what can I say? I was about to say a little pink and that's it.

[B]

I think Funny Bunny's the right.

[A]

How do you know Funny Bunny from opi.

[B]

I don't know what to tell you.

[A]

I hope Bunny.

[B]

Bunny. I don't know.

[A]

God. Tell me it's your wife.

[B]

I don't know a single other nail color, but yes, my wife, my mother.

[A]

In law, like, Funny Bunny it is.

[B]

They're getting their nails done. It's Funny Bunny.

[A]

It is. It is. That oh, my gosh, that is so funny.

[B]

Yeah, There you go, guys.

[A]

Anyways, that'll be my thing. Get my nails done and then. Yeah, I think a color theme would be fun. When I went to the Backstreet Boys a few months ago, everyone wore whites. And there's something really uniting to, like, be in the same color as everybody.

[B]

Like a team spirit or whatever.

[A]

Maybe I should, like, throw out a color. I do love black, but I feel like that's like a little stereotypical. Right? Like, what's something that kind of like, throws everyone off?

[B]

I don't know. Just guys in white suits is not.

[A]

I'm not going white. No. Like a color. But I want everyone to wear the same color. How fun would that be?

[B]

I do like that. What about, like, we're going jewel tones?

[A]

Yeah, that's good. A jewel tone. A winter jewel tone. You know, like give them a season.

[B]

I guess it depends on when.

[A]

Depending on when I die. That's the color season everyone's going to wear in my funeral. That's so smart, George.

[B]

I love this.

[A]

We're very on trends.

[B]

Oh, I need to tell you about. I don't know if I ever told you about this.

[A]

What?

[B]

The Photoshop debacle with Grandma. So the. The family, they're like, hey, we need a good picture of grandma to put in the frame, you know, next to the casket. So I go, I got plenty of great. She was at my wedding. It was the last, like, high quality photo back from 2018. And I went, I got you guys. I couldn't find one where she wasn't, like, with someone. So, like, I have my arm around her, you know, So I was like, can I Photoshop myself out? So I'm sitting there attempting to Photoshop Grandma, sending the group chat with the family and the sons and daughters.

[A]

Yeah.

[B]

And they're all displeased with my Photoshop job. And I'm lopping arms off left and right for Grandma. I'm phoning a friend who knows Photoshop better than me. Finally, my buddy Taryn comes through here at Ramsey. Does an incredible job making grandma look like it was a solo photo. Changed the background, like, made it look perfect.

[A]

Wow.

[B]

Guess what? They cropped it to where you couldn't even see her arms. Oh, no. So I went. I got to the funeral and I was instantly enraged. I went, oh, my. Hard work for you to crop it with the Walgreens.

[A]

Her arms, like, they just cut, like.

[B]

Her hands because you couldn't see her hands. So I needed to make it like a Fake hand for her. Otherwise the photo would look weird. Well, they cropped it to where you couldn't even see her.

[A]

Oh, it like. Oh, man. A lot of hard work.

[B]

Yep. So here's my next thing. Pre choose the photo you want at your funeral. That's a big deal. People don't think about it. What head shot do you want to go with? Do you want to go with, like, when you were a little bit younger? Or do you want to go like, this was the current state I was in.

[A]

Yes. Yes. That's good.

[B]

Okay, so think about that.

[A]

I thought you were going to say someone screenshotted the photo and then went to print that. Have you seen that? And then people have the board.

[B]

That is the most boomer move.

[A]

I know. I've seen that before. I thought that's what's gonna happen. Wow.

[B]

Okay, so there it is. Pick your playlist. Pick your nail color. Pick the outfits you want.

[A]

Yeah. I'm so sorry about your Photoshop. That's.

[B]

It's okay. It was a beautiful photo.

[A]

Okay. So when it comes to dying, people have a lot of questions about their money. What happens to my money? What happens to my debt? What hap. What is gonna happen when I die financially? So we're here for y'. All.

[B]

We're gonna talk about the do's and don'ts of dying, I think, namely, which is don't if you can at all costs. We'd love for all of you try.

[A]

Not to to be alive.

[B]

We need all the viewers we can get.

[A]

Will he stay alive for our egos and our numbers. Thank you.

[B]

We are going to cover some common FAQs around money after death because it is confusing and more. It's interesting.

[A]

Yes, it is. Well, it's good to know what happens. So let's just start off with the top, the basic.

[B]

George, what happens to your money after you die?

[A]

Let's say it. One, two, three.

[B]

Probate.

[A]

So exciting.

[B]

That was the most excited anyone's ever been saying that word. So probate is the legal process in which a court examines a person's will and makes sure that the will is legit. So if you have one, which you should. We'll get to that. All debts are paid. That also is going to go through probate. And then the remaining money and property go to the right people.

[A]

Yes. Making sure everyone gets. Yes. What they're supposed to.

[B]

The problem is, if you don't have a will, it's just up to the government people and the judge. They go, I think it should go over here.

[A]

Yeah, well, and sometimes like just let the family decide, you know, this. And then the family's like, no, this, this was said here, here.

[B]

And it just gets, and it's, it's also like the kids. I mean, if there's kids under 18 and they're not adults, like, what, what are we gonna do over there?

[A]

Yes. And again, my prayer is most of the time you get it worked out, especially with like the children. But the problem is, is number one, it takes longer to get everything done. It's so inefficient. And there is the chance that something goes sideways if it's not written down. So yes, having a will clears so much of that. It is so helpful. So helpful.

[B]

Clarity is what you want. And if you want to know the best place to get it, you can jump on a mama bear. Legal forms. We'll drop a link in the description, hashtag. Not a sponsor of this show, but it's who I use and love. So there you go.

[A]

Okay. So when you die. Yep. Everything goes through probate. If you have a will, it's pretty like self explanatory. It does take some time, some things. And if you don't have a will, again, a lot of hoops to jump through. Exhausting. But what about your debt, George? What happens to your debt?

[B]

That's the big question.

[A]

Because a lot of people think, oh my gosh, I, I now will owe the debt that someone else.

[B]

If my mom had debt, now I have to pay it. That's right.

[A]

Yeah. They think it gets passed on.

[B]

Or they might go on the other side and go, well, it's gonna die, the debt's gonna die with them. No one's gonna ever have to worry about this. Well, here's the deal. Some debts must be paid after death, some not so much. But all debts stress you out while you're alive. So I would work to pay that off before you die. We don't know when we're gonna die, so let's just go ahead and pay it off now.

[A]

Let's start the snowball. How about that? While we're alive and well, everyone start paying off that debt. Now here are debts that have to be sett. So these do have to be paid. Mortgages, car loans, joint account, credit card debts, and co signed loans. So the family doesn't necessarily inherit the debts. And collectors can't make relatives pay off the balances that aren't theirs.

[B]

That's a big one.

[A]

Yes.

[B]

So if someone tries to come after you for a debt that's not yours, you can say kick rocks and pound sand. That's what I tell them.

[A]

Kick rocks, pound sand.

[B]

Yeah. You never done that before?

[A]

No, I have heard it. I don't really get it, but it's.

[B]

Just an old timey phrase.

[A]

Kick rocks of anger. Yeah.

[B]

Yeah.

[A]

Okay. So all of this, George, is so important to know because it's going to help you and your family. And we're all about changing your family tree. Right? Setting up everyone for success, including when you pass away.

[B]

That's right.

[A]

But there is a partner out there too, you guys, that helps on this journey, and that is fair winds. So most places handle your money like you're an account number, you know, like the big banks. But Fairwinds puts you the person ahead of everything. Like, they are so great at taking care of you, the person. It's an amazing credit union. And Fairwinds is all about their customer service. And they're not owned by Wall street, they're owned by their members. Meaning if some great things are happening, you as a member, you. You benefit, you have an account. Yes. With them, you're going to get all of those benefits. So it is an incredible. They're an incredible service.

[B]

Yes. So if you, if you're married, go set up a joint account and if you're not married, set up an account, you can name a beneficiary, the account. That's very important. The beneficiary trumps everything else that we've talked about. The wills, the trust. If there's a beneficiary on there, that's who gets the money. So if you want to check it out, you want to join Fairwinds, go to Fairwinds.org Ramsey right now or as soon as this episode is over, we'll drop a link in the description as well.

[A]

Okay, so how do you know if you receive inheritance from a relative? And what do you do, especially if.

[B]

It'S like a distant relative and you didn't even know and you didn't know you were in the will.

[A]

That be magical. Bob died. And you're like, I didn't know we had an Uncle Bob. And they're like, they left you Genovia. You're like, I'm a princess. You know, like that.

[B]

That would be your fantasy.

[A]

That would be so fun.

[B]

Here's what actually happens in real life. You, you would be contacted by the executor of the will, a lawyer, or the probate court. And this could happen via phone call, email, or mail, which is why I answer all calls, just in case. Never know. Like the wrong number.

[A]

Just a relative.

[B]

Could be my million.

[A]

Who would have known?

[B]

So, bottom line, if you are named in a will, you will be told eventually.

[A]

Yes.

[B]

So what should you do in the scenario? Would you invest it? Would you let it grow?

[A]

Yeah. If you do have money that you've received as an inheritance, which happens, you.

[B]

Know, we get calls like that on the Ramsey show all the time.

[A]

So you honestly, you just want to apply it to the baby steps wherever you are. So use it to help pay off debt. Use it to buy a home. Use it for some cash as an emergency fund. You can invest it, you can give it, you can use some of it. But really following the baby steps, just kind of a plug and play is great. And for some people, it takes them through a lot of the baby steps.

[B]

Because of it, you can leapfrog a few.

[A]

Yeah. So it's pretty wild.

[B]

Can I give you a scenario that I want your take on? Because we took this call the other day.

[A]

Oh, fun. Yeah.

[B]

The guy said, hey, grandpa left me this inheritance, but he had wishes for me to buy a house, but he had a bunch of debt. He didn't have an emergency fund. And he said, I, I think I need to buy a house because grandpa said I should with this money. And it was, I don't know, $50,000. And so I was trying to coach him, going, hey, I would pay off the debt, get the emergency fund. That might mean the house is delayed. But what I. What grandpa really wanted, I think the heart behind it was for you to have some financial independence and own something. And right now you're in a place where it's going to be a burden instead of a blessing.

[A]

Yes.

[B]

Would you agree or would you say, listen, grandpa wanted that you got to do what grandpa wanted?

[A]

No, I would agree with you because again, I think the heart behind it is setting you up well. And how to set you up well is not to curse you with a house that you necessarily can't even afford to upkeep if you don't have the income for it. But yet you have this, like, sum of money. So. No, I would be. Yeah. In yours. And that's the other thing, is I don't like the strings attached.

[B]

You have to use this money over here.

[A]

There's a part of me that I'm like, okay, I hope I just raise good humans. You know what I mean? Yes. And you guys do with it as you believe is best, and hopefully they have a good head on their shoulders to do it. But I don't know at what age.

[B]

Would you trust your kids with?

[A]

I know, that's what I was just gonna say. Cause Winston and I set up all of our stuff.

[B]

Like 18.

[A]

Are you like, hey, I think we did. No, I think we did little bits. So I think they get it all maybe at 28, but they get some at 25. We, like, spread it out.

[B]

That's smart. I think. Yeah. That we just went through this process and I think it was like, hey, they'll get enough to cover college if they're in that phase.

[A]

Yep.

[B]

That'll get enough for like a down payment when they enter another phase. And then by the time they're in their 20s into 30, they can get the rest of the money.

[A]

Yes, that's what we did too. Yep.

[B]

There you go.

[A]

Yeah, I think that's good. Slow it down a little bit. But I don't know. People do it. Yeah. All different ways.

[B]

That gets us into this next section beautifully. What is the difference between a will and a trust?

[A]

Oh, that's good. So a will is a legal document that says who gets your stuff when you die. Basically. So it's that. And you want a state specific will because sometimes there are different laws, as we've just seen, state by state. So make sure you get a state specific will when you do it. It goes into effect when you die. So the moment of death, the will is now put in place. And again, it must go through probate court. So you've got to go through the court system to make sure everything legally is done. But that's the will. It's basically the. The document y after you dive that says where everything should go.

[B]

And most people are totally fine with just a will. So not everybody needs a trust. And there's a lot of lawyers on social media telling people why it's not never enough to have a will. You need a trust. You need a trust. Well, guess what? Trust costs more money and therefore they can make more by pedaling it.

[A]

Yep.

[B]

And trusts do have a time and place, but let's get into that. So what is the trust? It's a legal arrangement that holds your assets while you're alive and. And after you die. So it lets you skip probate court and keeps things private, which is a big reason people have trust, is to keep things private. It allows you to control. Manage money for loved ones and minors over time. So like Rachel and I just talked about, if you want it to be stairstepped, where, hey, when the kids are 18, they get this and it goes to here. And if. When they're 21. They get this. It goes over here. So as your life gets more complicated and the more wealth you build, you may want to talk to and a state attorney and get a trust set up.

[A]

But like you said, there are some fees and you usually have to get a lawyer involved. It can be a little bit more.

[B]

It's thousands of dollars instead of 100 bucks or 200 bucks.

[A]

Yeah, it gets a little bit more complicated. But if there is a complicatedness to your estate into what you have built, you may want to be smart about it, maybe worth that investment.

[B]

And I hope all of our viewers and listeners build so much wealth that it gets complicated enough that they go, hey, I think we need a trust. We're willing to drop a few grand to make this happen.

[A]

I love that. Yeah. And I hope our listeners build wealth and are wearing Cozy Earth because that means you are living a great life.

[B]

Who's gonna get the cuddle blanket in the crew's will?

[A]

He needs to go in the will. I think I'm gonna give it to Charles King Charles. I don't know. I just feel like that fits. That fits.

[B]

It's very fitting. He'll be a grown man by then. Going, why did they leave a.

[A]

Okay, just big cuddle blanket.

[B]

Why'd they leave a 40 year old blanket in here? I know you're gonna live way past your 70s, by the way.

[A]

I believe that. I'm gonna take that in.

[B]

I received that.

[A]

I'll take it. But Cozy Earth products, honestly, they are the best. The quality of them, the softness of their bamboo line, their pajamas, all of it. It is like silk. It's amazing. It is so incredible. And the best part is because I love a good deal. I love a dupe every now and then, but after you wash those a couple of times, it kind of loses the shape. And Cozy Earth has not like all this stuff still fits well. It's comfortable, everything. So Cozy Earth products, I put it.

[B]

In like the buy it for life category. If you are ready for quality over just quantity, Cozy Earth is for you. And we're going to sweeten the deal with 40% off when you use the promo code Smart money at checkout, go to cozyearth.com smart money. We'll also drop a link in the description.

[A]

That's a lot. So good. All right, next up, power of attorney, the old poa.

[B]

Now you're speaking my language.

[A]

And do you need one even if you are not ill?

[B]

Yes. Because how, how would you know if you're going to become ill or Incapacitated at some point.

[A]

So power of attorney, it's a legal document that gives someone else's authority to act basically upon your behalf. Okay. So they are able to make financial, legal, and even medical decisions if you are unable to. So it is a. Is a big one.

[B]

This was a tough decision in our house to go. Who do we trust to handle all things financial? Who do we trust to handle all things medical?

[A]

Yes.

[B]

Are they going to pull the plug?

[A]

Your spouse first. Right. Like your spouse, you know, and then you usually have one or two other people listed in case.

[B]

Yeah, I mean, both. There's very much. So could be the case that this. Both spouses were in an accident or something.

[A]

Okay. Does that not make you so nervous? Can I tell you this, George? This is like, a little morbid, but we are in black. Just be vulnerable for it. We are here for it. So one of my good friends, her uncle, had a heart attack. Okay. Went into a coma. Like, brain dead. Like, it just wasn't good. But they said there's still, like, there's. And I'm not a medical professional, but there was something about, like, your body is still alive, but the brain activity is gone. It's kind of like you're half there, half not. Like, it's weird.

[B]

Like, heart's pumping, like, things falling.

[A]

Yeah, you're still there, but then you're not. And it's like this whole thing. But if you technically pulled the plug, he wouldn't be able to survive. But yet there was a chance he could come back. It was all this stuff back and forth and. And, yeah, they kept him alive for maybe, like, two or three months and dare I say, maybe longer than what I may have. I don't know. I don't know what I would have done, but it didn't look good. And that was like. That was, let's see, almost six months ago. And he went home last week. What, completely back and living a full, normal life? Well, his speech is a little bit. He's there having to do some speech stuff, but he's walking. I mean, all of it. How crazy. Because I've told Winston, like, if I'm not here, you just send me on. Like, I'm ready.

[B]

Like, hey, 90 days.

[A]

But now after this, I'm like, maybe just put me in the corner for, like, I don't know, 12 months. Like, see, if I come back, like, I don't know, I could come back. How weird is that, though? Crazy.

[B]

Wow.

[A]

What would you do? How. Because we had to talk about this when we did Our.

[B]

All of our stuff. What's the timeline of, like, do not resuscitate? And I think I was like.

[A]

I think I was like, listen, just let me go. Like, you know?

[B]

Really?

[A]

Yeah. I'm more on the.

[B]

Like, I think it depends on my spiritually.

[A]

I wonder, do you get stuck in the mid? Like, you're not there. You know, where are you? I don't know.

[B]

Is this like a purgatory.

[A]

I don't know.

[B]

Situation?

[A]

I don't know. So just send me on. Like, I want to keep going, but.

[B]

Now I've heard people in comas, though. It just feels like it's a time warp.

[A]

But his wasn't even a coma. It was like a brain. Like, do you know what I'm saying? It was, like, real bad.

[B]

Wow.

[A]

Yes. Yes.

[B]

Like, there was very little hope. And then six months later, and they.

[A]

Were like, but there is a small chance. Something. But they did. They did at all.

[B]

Here's the problem. If I was in a coma for six months, once I saw the hospital bill, I would die again.

[A]

My gosh.

[B]

You know what I mean? Like, Six deaths.

[A]

Yes.

[B]

$1,000 a day in a hospital.

[A]

Yes.

[B]

30 days times. You're like, two. Okay. I owe $2 million.

[A]

Health insurance will cover some of that.

[B]

You'd hope so. They'd find a way not to cover me sometimes. Wouldn't put it past them.

[A]

And George says price match this.

[B]

Yep. They'd be like, well, his auto pay actually didn't go through last year, so.

[A]

Oh, my gosh. Crazy. But yeah. Power attorney you make. Yeah. It's all these decisions. So maybe don't put me in charge of.

[B]

Oh, trust me, the plug. You were not in the running.

[A]

I would be like, 48 hours.

[B]

And he had a good run. Oh, man. That's a tough decision to make, though. A lot of these. That's the thing I found is people go to make a will, and then they like, oh, I need to think through that one. And then they put that on pause.

[A]

And then.

[B]

It's been years.

[A]

I know.

[B]

So you just have to make the best decision you can do.

[A]

Y' all have. We don't. You don't have to say publicly, but y' all have obviously some. Who would take the kids if something happened to you and.

[B]

Yes.

[A]

Yep, yep, yes. Do you know more people are doing friends these days than even family? Because they're not. They don't live near their family anymore.

[B]

People think about that.

[A]

Yes. So a lot of people, they want to keep their kids, like, in the same school, like, like keep their roots, I guess.

[B]

I assume my family would move.

[A]

Oh, wow.

[B]

But I guess the family we have, they're. They're local.

[A]

Oh, there you go. Okay, that's good.

[B]

But like my. I chose my brother for medical because he's a nurse practitioner. So I was like he would be able to talk with the doctors. Like he knows what's going on.

[A]

Yes.

[B]

Yeah, I don't want to be trusted with that. No, no, I'd be just be chat gpting. Like, what would you do? Should we pull the plug or not? You know, what are the.

[A]

Yeah, what are the odds?

[B]

Don't put that on me.

[A]

Chat GPT. Okay, next up, what is a beneficiary?

[B]

It's a ten dollar word. Tell you that.

[A]

Yeah. Who is it? George, pop quiz.

[B]

The beneficiary is the person or entity. Gosh, I hate entity more than anything. As a word, it's so condescending. The person you name to receive financial assets when you die. So on my bank account, they get the benefit. On my Fairwinds account, there's a spot for beneficiary. And so you likely would put your spouse if you have one. But you may have a backup on there of a family member, a dad, mom, brother, sister, kid. But make sure you have beneficiaries on everything that can have a beneficiary.

[A]

Yes.

[B]

And do not leave if you are like you had a divorce and you left your ex on there and she's still the. She gets the money.

[A]

Yes.

[B]

Number one pro tip, if you have a new spouse, make sure you change the beneficiary on all accounts.

[A]

We got a call on the Ramsey show and her husband passed away and he still had his sister as the beneficiary because they had only been married two years and he never changed it and the sister got the money and isn't paying the wife and.

[B]

Awkward.

[A]

She doesn't have any moral grounds too. I mean, I kind of think she should. Like, I don't know. Feels right. But you. No legal ground. I mean, it is what it is.

[B]

And it doesn't matter what the will said, just if that's the beneficiary on the account at the time of death.

[A]

So remember your investments, savings accounts, cars, homes, those can have beneficiaries. So make sure you do that.

[B]

That's a big one. All right. Something else that helps protect your family. Delete me.

[A]

Yes. What incredible service.

[B]

It's the best.

[A]

Yeah, they go in and remove your data from the Internet and especially these data broker websites, you guys, these weird websites. Out there. They're like the names of them. They're like find people.

[B]

Creepypool Searcher.

[A]

It's weird. It's like, yeah, but your information's out there. Your home address, email addresses, your kids names, they're out there.

[B]

Even deceased relatives info can be out there. And they can use that to scam.

[A]

Yes. And old homes too. Like Condo, Winston and I lived in for only six months. It was on there when I was like, dude, going through don't love that. All the delete me stuff in my profile. I know. I was like, oh my gosh. So they go in and remove your data because these data brokers not only will send out your info to other people and you could be scammed or you know, there's some phishing. You know, they'll text you and all this stuff, but they will even sell your data to other people.

[B]

That's right. And you get a great discount as a smart money Happy Hour fan. 20% off their annual plans. Just go to JoinDeleteMe.com smartmoney or use the link in the description.

[A]

Okay, so if you have no kids, the big question is, who's gonna get your money by default? If there's no will, no kids, nothing, what is gonna happen?

[B]

So let's walk through the scenarios. If you're married, your spouse will usually get everything. Unless you hate your spouse. If you're not married, goes to your parents by default.

[A]

Yep.

[B]

And if your parents are no longer with us, siblings.

[A]

And if your siblings have passed, it'll go to nieces, nephews, aunts, uncles, cousins. If you have zero family alive, which is very rare, your money usually will just go to the state.

[B]

Wow. This is called a sheet. I don't know if I'm saying that correctly. Correct me if I'm wrong, nerds.

[A]

I'm probably not there. Happy to be wrong and find somebody. You know, there was a. There was some luxury brand designer. I'm gonna forget who it was. It wasn't like Dolce and Gabbana, but it was like. Yeah, it was like a high up fashion. And they left their whole. It was like $240 million, something crazy to their gardener.

[B]

Wow.

[A]

Yes. I read an article about it. Makes you think, isn't that wild?

[B]

Was it just the gardener?

[A]

Okay, it's a good question, George. I don't know.

[B]

I want to dig into that, but.

[A]

The story I made up in my head is the guy had no family. But leave it to someone. That's the point I'm trying to make. Leave it to someone.

[B]

I Was stuck on this.

[A]

The barista you love, you know, make her day. Leave all your outfits there. Like, find a human.

[B]

I would just like to leave it to random people. Can you just drop any name in there and be like, hey, give it to John Smith. And then that person has to figure out who. What John Smith were you referring to?

[A]

James? George.

[B]

What about the Zero family members alive? Can you imagine being the last one? Like, you're not related to anyone alive anymore. That's a wild thought.

[A]

That is a wild thought.

[B]

That would mean that all of your siblings didn't have kids or you were an only child. Only child. That's true. And it just stopped there.

[A]

Yeah.

[B]

No cousins, aunts and uncle's gone.

[A]

Yep.

[B]

Those.

[A]

If both of your parents were only children. There you go.

[B]

Okay, let us know in the comments if you know anyone who is the last one in the family tree. That's a pretty baller move, though.

[A]

Okay. Throw it out there.

[B]

That's a lot of pressure.

[A]

A lot of pressure. You know, the name thing is pressure. If you're like, the last boy to carry on like that was my brother. There were no other Ramses. Daniel was the last one because. Yeah. Dad's sister had boy. Had boys, but she was married. Like, you know that name.

[B]

The men usually carry the name forward.

[A]

Yes. Yes.

[B]

Wow. Have you done the family tree stuff? I know as much as my dad. Dave Ramsey's really into that.

[A]

Not as much as my dad. Dad is deep in it.

[B]

You're like, he's got it. We're good.

[A]

Yeah. Did you hear someone did offer to do a lot of like.

[B]

Yeah, she attempted mine.

[A]

Yes, yes. To come in and do it. And she did Ken Coleman's. And found out that her and Ken. Or she found out that David.

[B]

That's right.

[A]

Dave and Ken Coleman related.

[B]

Seventh cousins.

[A]

It's like, yes, it's something like that.

[B]

Or like a cousin seven times removed.

[A]

There's a good chance Ken Coleman and Dave Ramsey are related.

[B]

Ken's. Ken has to be in the will now.

[A]

He did. He has to get on the schedule for all the vacations and everything.

[B]

No, she attempted to do mine, didn't get far, and sent me my grandpa's obituary. And I was like, yeah, I was at the funeral. Thank you for the information, George.

[A]

I feel like you always kind of get the short end of the stick sometimes.

[B]

Well, she literally sent me another one that said, hey, you're short. And here's other famous people that are short. I was like, this has gone beyond. This isn't even genealogy.

[A]

Like, stop it. But you're all going to live long, I guess, because you're short.

[B]

She was just, I guess, trying to comfort me.

[A]

Oh, my gosh, that's so.

[B]

Hey, you know, Napoleon wasn't that tall because. Thank you.

[A]

Go conquer a world, George. All right, let's do some quick financial do's and don'ts. You ready? All right. Do have a will. Everyone get a will.

[B]

And you might think, well, I don't own anything, Rachel. Who cares? What do you say to that person?

[A]

I would say, still do it. Because there's gonna be some simple questions on there. And it just makes things easier for everyone so they're not having to go through all this stuff. So do a will. Do a power of attorney. Set that up.

[B]

Yep.

[A]

That is very responsible. Again, eliminating a lot of these big decisions of who does what if something happens to you. That's just a gift for people. The questions are answered. So, like, that's part of it.

[B]

And if. Just think, if this happened today, who would I want to do this?

[A]

Yes.

[B]

And if you don't have a good answer, that means you have some homework to do. But it's not an excuse to just put it off.

[A]

Do keep beneficiaries updated and consistent, just like we talked about. If your life is changing, make sure you're changing.

[B]

That stuff, that 401k, the old IRA, the insurance policy, the life insurance, the bank account. You gotta make sure that you're keeping that updated as your life changes. Because again, those override.

[A]

That's right. Okay. What do you. What should they not do?

[B]

Do not rely on verbal promises alone. That's not gonna hold up in a court of law.

[A]

Well, he said someone said something and.

[B]

They tried to just to fight over.

[A]

The assets and don't, like, write it on the back of a sheet of paper and be like, here it is. Like, go through the real process to get it legally done.

[B]

Get it done. Wills, power of attorneys, health care directives, all of that. Next on the do not list, do not let your apathy affect your loved ones down the road. So in the words of George Washington in Hamilton, quote, dying is easy, living is harder. Hey, George was a real one for that.

[A]

Living is tough. It can be tough out here.

[B]

You won't be the one cleaning up the mess when you pass, but your favorite, most beloved people will be. And I don't know about you, I want. When people are grieving my loss, I want them to think I was a great, wonderful person.

[A]

Yeah.

[B]

I want them to think that what I don't want them to remember is. Yeah. Remember that time you left us a mess and a giant maze and nightmare of us?

[A]

Yeah. Leave well people. Yeah, that's it. You know, you leave a star even.

[B]

If you were a terrible person on.

[A]

He was or she was. See, that's a good legacy. How people feel about you.

[B]

Yeah. Leave them with a good taste in their mouth about how you lived. So handle your debt. Get the paperwork and check. Allow them to agree without added financial chaos. Give them. Give them a high quality JPEG that you want printed at Walgreens.

[A]

That's right. Give them.

[B]

Don't leave them scouring through old Facebook.

[A]

Profile, having to ask friends to, you know, Photoshop.

[B]

I swear, if I have a bad quality photo in that frame, I will come back from the grave. Will come back.

[A]

I think it's gonna be great. I think you're like, if I can.

[B]

See the pixels, I will come at you. I will rise.

[A]

Oh, man. But then also, it may take a lot to print that picture.

[B]

It really is.

[A]

They may get a better deal if they do it.

[B]

Just put an iPad up. I don't care.

[A]

Oh, yes. Swipe through.

[B]

Slideshow.

[A]

Slideshow. Love it.

[B]

You know what?

[A]

That's what I'm gonna make people sit through.

[B]

You know what I want?

[A]

Everyone has to sit through a 30 minute show me just my life.

[B]

I want to do a ChatGPT slideshow of me doing heroic, courageous, brave, noble things. And I want Sarah McLaughlin, arms of an angel behind it. I won't be able crying seeing me save a kitten from a tree.

[A]

I was gonna say, yeah. Oh, my God.

[B]

Can you imagine? They'll be so inspiring.

[A]

A village. Yes.

[B]

And chat GPT will nail it by then.

[A]

They will.

[B]

Hopefully. If I die, like, I don't know, 20, 40, 80 years from now.

[A]

Yes.

[B]

161 of you.

[A]

Like, like you went to space. That's gonna be mine for you. George went to the moon.

[B]

Me with Katy Perry next to me and she's like, see, I actually went.

[A]

The only person that actually went to the moon is George Camel. I'll believe it.

[B]

Can we give the people some resources? Because we flew through a lot.

[A]

There was a lot, y'. All.

[B]

This should not be the last thing you do for your legacy and estate planning.

[A]

Still alive and well.

[B]

Yeah. Also, if you have kids listening, I'm sorry, we should have put a disclaimer up front. This episode may be a lot for a child to hear.

[A]

Might be. Maybe we'll keep the innocence.

[B]

Add one to the front.

[A]

They don't need to worry about this.

[B]

But, hey, maybe the kid is now nagging. You going, mom, did you ever get that will? Remember the Ramsey people said, is the.

[A]

Power of attorney document done.

[B]

Mom, remember that? That girl said you should get a will. Talking about you. That's you. You're the man.

[A]

Okay, so what we are gonna do to help you out is we're gonna leave our Ramsey's Estate planning Guide, which is the process to walk you through everything we talked about. We'll leave that in the show notes for you to get started. So you guys happy living?

[B]

You know, happy living.

[A]

It's great.

[B]

Hey, if you're watching this, be grateful. Be grateful you're alive that you're in a time and place where you could experience Smart Money Happy hour for free, not behind a paywall. Sure, there's a few ads in there, but that's a small price to pay for the quality content you get on this.

[A]

Y' all are so lucky, is what George is saying. Horrible. So horrible.

[B]

They got to live at the same time as Rachel Cruz.

[A]

Oh, my God.

[B]

Oh, my God. Like, what a blessing.

[A]

What a gift.

[B]

And you got to live at the same time as Backstreet Boys at the Sphere. That's a gift. I don't want to hear any complaints. I know what a gift.

[A]

What a gift it was. There is.

[B]

I think you're actually getting emotional.

[A]

It just keeps on giving. It gets in my spirit, and it makes me so happy.

[B]

Wow.

[A]

All right, so before we spill the tea on our guilty as charged segments, George, what do we rate the drink? What do we think?

[B]

We are dead even.

[A]

We are dead even. You know, I'm gonna go. I may go 10 out of 10.

[B]

Wow. That's brave. I'm gonna go 8 out of 10. I think it was a really good drink. The color threw me off, and mixologist Michael said it's supposed to be a bright blue. And that's all I keep thinking about.

[A]

Well, crap. You didn't tell me that.

[B]

Well, I wanted to save that for the end.

[A]

Jeez.

[B]

But it was very good. It's got some egg white in there.

[A]

Yeah.

[B]

Which I. Which I like personally, but it's still a strong drink. I would order it at a restaurant.

[A]

And I wouldn't complain. Yes.

[B]

I'd be grateful that I got to live at the same time as Rachel.

[A]

Cruz and the Backstreet Boys and just cheers it.

[B]

Busy being grateful. Put that on a shirt.

[A]

Just busy being grateful.

[B]

Just busy being grateful. It's a Southern mom right there. So this is the Night king. It costs $3.23 per glass, but, oh, it's expensive. Good taste ain't cheap. It's got pisco, which is like a sweet, sour liqueur, blue curacao, curacao, creme de cacao, all of the $10 words, lemon juice and egg white. So it's a very interesting, complex drink, which I think life is the same way, isn't it?

[A]

It is just complex.

[B]

It goes places.

[A]

You never know.

[B]

Sometimes it's not the color you thought it would be, but you're still like, man, I'm glad I got a drink.

[A]

So glitzier may not be the expectation in life.

[B]

I was thinking not my strongest analogy, but here we are.

[A]

But it delivered.

[B]

Get the recipe in the show notes. Make it while you're still alive.

[A]

Oh, my gosh. 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. Right, George, the question is, have you ever pre claimed something from my relative's house long before they die?

[B]

Oh, wow. I didn't know you could pre claim it.

[A]

My mom always wants to do this with us. Did you know this?

[B]

Wait, like, you're at her house and she's like, girls, come here and.

[A]

Or she'll text us. I need to go over my jewelry with y'.

[B]

All.

[A]

She wants to make sure we don't sell any of her jewelry, that we all know what we're taking. Yes, she tells us that all the time. Don't sell my jewelry when I die. She tells us that, like, three times a week.

[B]

So it's more of a threat than it is, like, a generosity.

[A]

Yeah. We need to, like, go through and, like, look at all of it. Yes. And now that we all have girls, like, the girls are gonna want some. You know what I mean? Like, it's like a whole thing. So that's fun. So that. But the one thing I do want from my mom and I haven't really said it out loud, so maybe I'm going to say it now and send my sister the episode. Speak your truth. I want my mom's Christmas china, which is really pretty. Christmas china.

[B]

Is it. Can you explain what it looks like? Is it? Yeah.

[A]

And it may be nostalgic. Maybe it's just because of, like, we grew up, like, with it, it's almost like this, like, yellow, goldish color plates. And the trim are these ribbons. They're like red, green, blue, woven through all around. And they're. And the plates are square, but the edges are, like, circled. I don't know what shape they are.

[B]

Kind of a rounded edge.

[A]

Yep. Yes. Some of the serving and then some of the. Obviously just, like, the dinner plates and all of it, but it's just the border. It's just beautiful.

[B]

Do you guys use it at Christmas? Yep, it's actually used. That's amazing.

[A]

Oh, yeah, yeah, yeah. For sure. But it's just so pretty.

[B]

All right.

[A]

And I don't have Christmas china. Like, we use the same plates once a year, but I love the idea of having, like, different.

[B]

I hope you get plates. Denise. I'm sorry.

[A]

I know I gotta. I need a Text her after this episode and be like, can I snag the Christmas?

[B]

Denise doesn't have a show where she got to pre claim it.

[A]

That or any Christmas Villages if my mom still has them. Oh, I get those too.

[B]

That's fun. Is she into that?

[A]

She was. They had some. I don't know where they are now. My grandparents were big into it, and they are. We all are all gonna get one. They. My papa keeps us up 12 months a year in a cabinet.

[B]

Wow.

[A]

Yes. In the living room. It's been like that since I was a kid, too. The Christmas Villages. So I think we all. I think all the grandkids get one, but I need to make sure for sure I get one of those.

[B]

I think you should get first dibs on anything. Well, just because you would be the most annoying about it. So it's like, let Rachel go first. We'll deal with the leftovers. We'll be fine.

[A]

I'll just throw out my hints. I'm like, I love, love the white house with the red door. I love that one.

[B]

Start putting tags on it. Property of.

[A]

Just put my name on it.

[B]

No.

[A]

How about you?

[B]

I'm gonna be honest. Nothing my family owns is of major value that I know of.

[A]

Well, not like money value, but you just sentimental value. Okay, you got that, too. No heart. George, are you alive? You there?

[B]

As I get older, I'm less sentimental about physical things.

[A]

Oh, wow.

[B]

It's usually the opposite, maybe over time. Like, I don't know.

[A]

There's nothing, though. Would Whitney have something, like, from Whitney for.

[B]

She already does.

[A]

Oh, okay.

[B]

I mean, she's got, you know, grandma's china in the attic.

[A]

That's a thing too. Y' all may not care, but also.

[B]

I'm realizing, like, all boomers are secretly just hoarders. And so I'm like, ugh. Like, I don't want any of, you know, but then if it actually happened. I might, I probably have a change of heart. And I'd go through the stuff. Yeah.

[A]

Like a book or like a Bible. Like something that like. Yeah, your dad had like.

[B]

This is the, the camel stuffed animal that came with the Prince of Egypt vhs. And I want. You know what I mean? Like they still have to this day. I bought a. I bought a jasmine pillow. Like Jasmine from Aladdin. A little bright blue pillow with a pop out tiger that's on a string. They still, when I FaceTime them, will hold up the jasmine pillow and the tiger and try to send me home with it every time. Like my grown wife is gonna be like, yes, perfect. We'll put that in Mia's room. It's a 25 year old jasmine pillow. What are we doing here?

[A]

Why do you have a jasmine pillow?

[B]

I was really into Jasmine. What can I say?

[A]

That is so funny.

[B]

So, yeah, I don't think anything is of value, but I probably will get sentimental in another stage of now I'm in the purge phase.

[A]

Yeah. Get everything out.

[B]

Everything must go.

[A]

Okay, I appreciate that. Oh, man. Well, if you have a guilty as charged question for us, make sure to DM us at Rachel Cruiser oregecamel or leave it in the comments. We're always looking for new guilty as charged segments and those questions and you guys bring some great ones. So keep it up. We thank you so much. Now, if you enjoyed this episode, you're definitely gonna love our episode stirring the pot with these off limits topics. That's coming up after this and we'll also put a link for you and make sure to subscribe so you don't miss an all new episode of SM Money Happy Hour.