Your Money Habits Are Our Financial Pet Peeves—Let’s Talk! (With Jade Warshaw)

Summary

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

Episode: Your Money Habits Are Our Financial Pet Peeves—Let’s Talk! (with Jade Warshaw)
Date: January 8, 2026
Guest: Jade Warshaw
Host: Ramsey Network

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Episode Overview

This lively episode dives into the "financial pet peeves" that drive money experts Rachel Cruze, George Kamel, and guest Jade Warshaw up the wall. The trio rate and rant about everything from Venmo payments between spouses to adults living at home in their 30s—all served up with playful banter and a splash of tough love. Jade Warshaw—known for paying off $460,000 of debt—brings her trademark boldness and empathy to the table, while Rachel and George keep the conversation rolling with personal anecdotes, pop culture tangents, and audience engagement.

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Key Discussion Points & Insights

1. Meet Jade Warshaw & The Format (02:03)

• Jade establishes her debt-payoff credentials and describes herself as “Dave Ramsey in a different font.”
• Rachel and George explain the format: pet peeves will be rated on a scale of 1 (harmless) to 10 ("straight to jail"), with the highest scorer leading the rant.

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2. Warm-Up: General Life Pet Peeves (04:05–09:50)

Highlights:

• Group commiseration on annoying everyday behaviors sets the scene.
  • Jade hates vague "call me!" texts and people touching the drinking edge of glasses.
  • Rachel’s high on “parents who never say 'no'” and road bikers blocking traffic during rush hour.
    • “Why do you act like a car and there’s not a shoulder, and you’re choosing at five o’clock to go and do that?” – Rachel (07:20)
  • George complains about kids on motorized scooters (“No one’s doing any work,” 09:32).

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3. Financial Pet Peeves: The Rankings and Rants

Each pet peeve is discussed, scored, and dissected—here are the standouts:

a. Sending Venmo payments to a spouse (11:24)

• Scores: Rachel (8), George (7), Jade (10)
• Jade's take: “That’s straight to jail. I don’t have Venmo at all.” (11:44)
• George’s view: Entertained by others making this mistake.
• Group consensus: It signals poor financial unity and makes for awkward relationship dynamics.

b. Carrying thousands in debt but buying $8 lattes daily (13:59)

• Scores: Jade (5, empathetic), Rachel (3), George (9, sees it as a sign of bigger issues)
• “Your house is on fire and you’re like, ‘I need to buy some things off Amazon real quick.’” – George (14:20)
• Nuance: If it’s their only splurge and they don’t complain, less offensive; but if they complain about money, it’s infuriating.

c. Buying Christmas gifts for grown adults (15:50)

• Scores: Jade (1 if no debt, 10+ if in debt), Rachel (5), George (3.5)
• Jade: “If you’re in debt...and you’re trying to buy gifts for everybody...you’re doing it to your own detriment.” (18:20)
• Thoughtful or consumable gifts are favored over obligatory ones.

d. Calling your tax refund a “bonus” (20:55)

• Scores: Rachel (2), George (4), Jade (low)
• Rachel: “It just doesn’t sound educated to me...That’s not a bonus. That’s your money.” (21:12)

e. Splitting dinner evenly when you only had a salad (22:19)

• Scores: Rachel (8), George (10+), Jade (6)
• Quote: “That’s a violation of human rights.” – George (24:05)
• Group agrees: Always speak up early to avoid unfairness.

f. Bragging about sports betting, day trading, or crypto (27:00)

• Scores: George (9), Rachel (3), Jade (3)
• George dislikes seeing this on social media, knowing folks rarely share their losses.

g. Using buy now, pay later for groceries (29:27)

• Scores: Jade (1, signals survival mode), George (2), Rachel (six in general, more for non-survival spending)
• Lends itself to a broader discussion about the normalization and risks of such payment services.

h. Hiding Target bags from your spouse (32:54)

• Scores: Rachel (8, blames the underlying marriage dynamic), Jade (5, admits to past guilt), George (7)
• Rachel: “Either you married not a fun guy, or...I can’t.” (33:40)
• George humorously admits his wife hides fast food bags for health reasons—empathy shown as life seasons change (34:32).

i. Refusing to be generous yet taking luxury vacations (36:02)

• Scores: Jade (7, "scrooge"), Rachel (low), George (5)
• Reality check: Most people just don't think about generosity unless prompted by faith or culture.

j. Paying $800/month for a car (37:37)

• Scores: Rachel (10), Jade (10), George (8)
• Rachel: “I think it’s one of the hardest ones to come back from...what you’re paying.” (38:41)
• Takeaway: “It’s a status symbol...They want the big, safe, reliable, brand new Tahoe.” – George (39:50)

k. Adults in their 30s living at home “to save money” (40:25)

• Scores: George (10+), Jade (5 with caveats)
• George tells the story of 33-year-olds who increased their debt by $30,000 despite moving back in with family (40:53).
• Rachel: “If you’re single in your mid-30s, and you’re living at home, that’s so unattractive.” (42:07)

l. Taking on vacation debt—because it's 0% APR (43:02)

• Scores: George (9), Rachel (4), Jade (4)
• Pet peeve is more about the rationalization of debt than the act.
• “They always have to mention that it’s 0% APR...like they’re bragging.” – George (43:10)

m. Grown men making in-app purchases for games (45:13)

• Scores: Rachel (10), Jade (10+), George (6)
• Jade: “If you have time in your life to sit and play a game and spend money on it...what are you doing?” (45:56)
• Exceptions for single guys, but strong words for married men with kids spending time and money on games.

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4. Thread: Empathy vs. Judgment

• Jade brings nuance, noting that many poor habits come from financial stress and lack of education.
• “When you’re financially strapped, you do dumb stuff and your emotions are leading you.” – Jade (52:45)

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5. Teaching & Takeaway (51:28)

“To each his own, but I don’t want to hear you complain when you just know better. If you’re not learning, not growing, not self-aware about your habits...don’t be surprised when you end up nowhere five years from now.” – George (51:34)

• The importance of growth, self-awareness, and learning from financial mistakes.
• Everyone's made money mistakes, but progress requires honesty and change.

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6. Jade's New Book & Recap (52:30)

• What No One Tells You About Money by Jade Warshaw is now out, focusing on the emotional side of financial change.

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Notable Quotes & Moments

• On Venmo’ing your spouse: “That’s a violation of human rights.” – George (00:23, 24:05)
• On “bonus” tax refunds: “That’s not it. That’s not what that is. It’s emotionally immature. That is not true.” – Rachel (21:40)
• On splitting the bill unfairly: “Never in history has it been a perfectly even thing.” – George (22:59)
• On $800/month car payments: “It’s an ego play to me for the most part.” – Rachel (38:15)

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Timestamps for Key Segments

• Jade’s Background & “Dave Ramsey in a Different Font” – 02:03
• General Life Pet Peeves – 04:05
• Venmoing Spouses – 11:24
• Buying Lattes while in Debt – 13:59
• Christmas Gifts for Adults – 15:50
• Tax Refund as “Bonus” – 20:55
• Splitting Dinner Evenly – 22:19
• Bragging about Betting and Crypto – 27:00
• Buy Now, Pay Later for Groceries – 29:27
• Hiding Target Bags – 32:54
• Not Being Generous, Living Large – 36:02
• $800 Car Payments – 37:37
• Thirty-Somethings Living at Home – 40:25
• Taking on Vacation Debt / 0% APR – 43:02
• In-App Game Purchases – 45:13
• Teaching & Takeaway – 51:28
• Jade’s Book Announcement – 52:30

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Memorable, Relatable, & Lighthearted Moments

• The trio’s discussion on pronouncing words: “Similar” vs. “Simular,” “Nuclear” vs. “Nucular” (05:07)
• George finding entertainment in public Venmo feeds (12:38)
• Rachel’s Taco Bell order and pride in her fast-food habits (35:08)
• Friendly jabs about George never being invited to double dates (26:42)

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Tone & Style

• Banter is playful and real; the group isn’t afraid to poke fun at themselves or go off-track.
• Tough-love advice is balanced by empathy, especially from Jade, who’s made her own journey through debt.
• The episode closes with hope and encouragement to keep learning, growing, and being self-aware with money.

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For listeners: Whether or not you share these pet peeves, you’ll leave with practical wisdom, plenty of laughs, and a few real talk moments on habit change, relationship dynamics, and money management.

Transcript

[A]

Today we asked a debt payoff legend to help us unpack some financial pet peeves. With a little tough love, I'm gonna get riled up.

[B]

And I'm so sorry. Cause I'm sure some of you watching and listening are these people. So sending Venmo payments to a spouse.

[C]

You don't feel like this is like the highest of offenses?

[B]

Horrible.

[A]

No. That's a violation of human rights.

[B]

Hey, guys, I'm rachel cr.

[A]

I'm george camel.

[B]

I'm jade warshaw and this is smart money happy hour. Well, this is the show where two friends who happen to be money experts talk about what you're talking about. So everything from pop culture, current events, and money.

[A]

But first, let's talk about what we're sipping on. It is a tequila Old fashioned.

[C]

I love it.

[B]

I do, too.

[A]

A refined drink for a refined guest today.

[C]

Okay. I've never been described as, you know.

[B]

Jade, welcome to ceremony Happy Hour.

[C]

Thank you.

[B]

So glad you you're here. We get comments all the time. I feel like from other episodes with our guests, and everyone's like, have Jade.

[A]

Worship going on, Jade.

[B]

Yep.

[C]

Well, give the people what they want.

[B]

Yeah.

[A]

I know you're here for the cocktail, Jade, so that's what we're all here for. So if you want the recipe, the rating, stick around till the very end. We're going to share all of that.

[B]

Yeah. It's happening.

[A]

I can't believe it's been too long. We're sorry.

[C]

It's okay.

[B]

I apologize.

[A]

It's not you, it's us.

[C]

I cried in the shower several times.

[B]

About it, but here we've not been a guest.

[A]

I like the buildup of anticipation.

[C]

Yeah.

[A]

You know, because you've been on our solo shows. Rachel Cruze Show, George Camel, YouTube.

[C]

That's right.

[A]

But never on our show.

[C]

Rachel's invited me on her show more times than you have.

[B]

I was gonna say she's been on my show a lot, and we've had a lot of fun.

[C]

What's up with that?

[A]

You guys have a lot of, like, feminine energy going on. I already have enough of that on mine without. That's funny.

[C]

How'd you do that?

[A]

Don't eat any guests.

[C]

Yeah.

[B]

Yeah. So to that point, our audience probably knows who you are, Jade, but if they don't, for some reason give us, like, a one minute of who's Jade Warshaw?

[C]

Jade Warshaw is a one of the money experts here at Ramsey. My background is in debt. Payoff. I paid off 460,000 with my husband. We did it in seven and a half years. And I'm a former entertainer, and that's my claim to fame.

[B]

I love it.

[A]

Impressive. This is my favorite description of you. Dave Ramsey in a different font. How do you react to that?

[C]

Oh, who said it? Who said that?

[A]

I won't name names.

[C]

I don't know about that one.

[A]

I think they like your intuition. And you just call it like it is. Okay.

[B]

I think you're the most bold.

[A]

You don't beat around the bush.

[B]

Do you feel like out of all.

[C]

Of us, I feel like I've gone. I'm like Homer Simpson. I feel like I went back in the bushes a little bit. Like I started very bold. And I feel like I've gotten more empathetic. Is this true or is this just in my head?

[B]

Yeah, maybe.

[A]

Yeah.

[C]

Okay. So it's just in my head.

[B]

When I were with you, I'm like, I know that it's gonna be told. Like, we were just doing pictures right before. You're like, bad picture. Do it again. I'm like, see? Jade knows. Is that bad, Jade? It's not bad. You know what you want. It's decisive and bold, and that's what we need.

[C]

Okay, I'm with it.

[A]

We need Jade.

[B]

We need Jade.

[C]

I need you all as well.

[B]

It's so good.

[A]

The reason you're really here is because we thought you'd be the best guest to talk about financial pet peeves. Cause I've seen you get riled up what people do with money relationally. Oh, boy. You've called people out on the show. And so some of your rants are my favorite. And so we made a list of money habits that respectfully make our skin crawl. So we want to see if you agree. Is that fair?

[B]

And I think we're all rating them, even us.

[A]

Yes. So we're going to rate each one one to ten.

[B]

This is our board.

[A]

On the board, if you're watching on YouTube or Spotify. So A1 is like, that's a tolerable pet peeve. No big deal. A 10 is straight to jail.

[B]

Straight to jail. Straight to jail.

[C]

No soup for you.

[A]

Yeah. Whoever writes down the highest 10 straight to jail gets to start the rant and explain the frust. So If Jade's a 10 and Rachel and I are at 8 and 7, Jade kicks us off with her rant about why this bothers her so much.

[B]

Why it's so annoying.

[A]

Okay, you got that?

[B]

Okay. Well, before we do financial pet peeves, what's just like a pet peeve in life? Do I have one that have been bugging us lately. You're just like, I have a list.

[C]

I.

[B]

Yes, Say this is what we're talking about.

[A]

A literal list. You wrote out.

[B]

This is what we're talking about.

[C]

When they said, what's your pet peeve? I was like, I got this on lock. I hate when somebody texts me, call me, period. I'm like, what? But they've not called themselves.

[B]

Because you think, no, just call me now and if I can answer, I'll answer.

[C]

You're telling me what to do. I don't like that.

[A]

Just call me and if I miss it, then say, hey, call me back. It's important.

[C]

Yeah, exactly. Number two, when people hand me a drink and they're holding the very place that I need to drink from. Ah. I don't know where.

[A]

They're at the perimeter of where your mouth goes.

[B]

Yes, that's why we do that.

[C]

I don't know. Whoever gave me this drink did not take me. Hey.

[B]

And can I say this?

[A]

I would love this on the palm.

[B]

I learned this with cold drinks, like a glass of white wine. You're never supposed to touch the actual cup of where the wine is. Cause it heats it up. You're supposed to take the stem. Now that is some extra bougie.

[C]

How about this? When people say similar instead of similar. Oh, no, I'm done.

[A]

Is that a thing in your life.

[B]

That happens a lot? I've heard a lot of things that are not correct.

[C]

Do you say simular?

[B]

I don't know, but I say nuclear.

[A]

Nuclear.

[B]

Nuclear.

[C]

Oh, my gosh. Okay. That's like when people say nerve wrecking instead of nerve wracking.

[B]

Oh, that's funny. Nerve wrack.

[A]

I kept E. Espresso. That's a big one for me.

[C]

Oh, Tesla. Tesla with a Z. Tesla. Oh, gosh.

[B]

Okay pronunciations.

[C]

When people don't close the. Like they go to the restroom, they don't close the lid and they just flush it. Just willy nilly with the lid up. Particles going everywhere.

[B]

Oh, it's spreading. Germs.

[C]

Yes, germs everywhere.

[B]

We don't want that.

[A]

What about on airplanes? That always.

[C]

When people take their shoes off, I.

[B]

Feel like I'm just flushing. I think I'm getting sucked down.

[A]

It just feels like there's a lot going on.

[B]

It really scared that kind of. I'm not kidding. I do kind of get to the lock and I'm like, get out, get out.

[C]

But sometimes you feel the air, like, hit you.

[A]

I close the lid with my foot and then flush with like my elbow so I don't get sucked into the.

[C]

You've done it. Right?

[B]

That's fair.

[A]

Scurvy vortex down there. That's good.

[B]

Those are good.

[C]

Listen, she going back to where she came from.

[A]

That's good. Any for you, Rachel, that come to mind?

[B]

I have two. And I think because I just had recent interactions with these two things and I thought that is so, so annoying to me. Number one, I'm gonna just say it. Parents that refuse to use the word no.

[C]

Oh, man.

[B]

So they have to parent around it. Like, that's probably not a good idea. Let's go do something. And I'm like, just tell them no. Just tell them, like, don't do that.

[A]

They're holding a no.

[B]

No. Like, just say no. And it's like this. Like, I can't do it. I just can't. I wanna give. I feel like a boomer. I feel like a boomer where I'm.

[A]

Just a gentle parenting thing.

[B]

I don't. Maybe. But I'm just like, I just can't. I can't. And again, I'm all about like, oh my gosh, should that I want to be emotionally present with my children. But also that and then the other one. Y', all, I'm gonna get riled up. And I'm so sorry. Cause I'm sure some of you watching and listening are these people. So please keep listening and subscribing. Please don't leave the show. It is road bikers on a two lane road during rush hour.

[C]

Death wish.

[B]

Why? Why do you hate your family? Why do you wanna do this? Why do you act like a car when you' and there's not a shoulder and you're choosing at five o'.

[C]

Clock. Oh, no.

[B]

To go and do that?

[C]

Why?

[B]

It's selfish. Why let us get home in our cars that can go 40 miles an hour? But you want to die? Why do you want to die? It makes me so mad. I. I'm sorry.

[C]

Interesting.

[B]

Someone. I don't know who I was getting pointed to. No, not at rush hour. Not at rush hour. And not on a two lane. And again, some cool parts of Nashville have like its own bike lane.

[C]

Great. Sure.

[B]

Great. Why would. It's so stupid.

[C]

I can't. I think I sometimes, sometimes drive in the bike alone.

[B]

It does. It makes me so mad.

[A]

I've never connected with Rachel this much.

[C]

This is great.

[A]

But what bothers me is they're dressed like they're about to go to Tour de France. Like they really think, like, this is my year. I'M like, bro, you'd be fine in some gym shorts. Yeah. What are you trying to impress?

[B]

Everything's fine. Like the shoes I get because you clip in.

[C]

But other than that, like I know.

[A]

You'Re not sponsored by 7 11. Like you cut it with the like sponsored gear.

[C]

Looks are padded in all directions.

[A]

Mine is similar, but involves children. The like electric scooter situations that the kids are all riding these days.

[C]

Okay, yeah.

[A]

What is happening? First of all, kids are dying out.

[B]

There just knowing it's very dangerous. The electric bike.

[A]

Either way, it's dangerous.

[C]

Are you talking about the ones that look like dirt bikes but they're like.

[A]

No, not like the little, but the actual scooter. But those are terrible too.

[B]

And those scooters can go like 30. They can go faster than the road bikers. At least. They're like keeping up with drafts are.

[A]

Normal scooters, but they're motorized. And kids tool around the neighborhoods with them, going 30 miles an hour, weaving in at our cars and streets. No stop signs on the sidewalk, hitting pedestrians, just living their best life.

[C]

I guess it's cuz the parents that Rachel don't tell them.

[B]

No, that's right.

[A]

My kid will never own that. Mark.

[B]

They are dangerous. And I think that's like the new thing a lot of doctors are saying, like, don't do the electric.

[A]

Yeah.

[C]

It's basically a motorcycle. What's the difference?

[B]

I know we had to pedal uphill now. Now they just.

[A]

Now the skateboards are motorized. The bikes are motorized.

[B]

Yes.

[A]

No one's doing any work.

[B]

No.

[C]

I had to teach my son how to stand up and pedal uphill. He wanted to get off his bike and walk it. And I was like, we don't do that in this house. Like we, we stand up and pedal.

[B]

We pedal. We stay on the bike.

[C]

We stay on the bike.

[B]

Prince, get on that bike. Get on that bike.

[A]

Respect.

[B]

Okay, well, I'm glad we got that out of our systems.

[A]

I think Rachel really needed this.

[B]

Apparently I did. I kind of felt that I was like, what is happening to me?

[A]

You know what else grinds my gears? If I may?

[B]

Yeah, go ahead.

[A]

When you're trying to make financial progress and the banks get in the way, dinging you with junk fees, making it difficult. And that's why I love Fairwinds Credit Union.

[B]

Me too, George. I mean, having someone on your side, that's not only just cheering you on, but they're creating an atmosphere at which you can bank, you can put your money, whether it's high yield, savings, checking, whatever it may be. Fairwinds is the best. They are. They're the best at it. And they actually created the Smart bundle for Ramsey listeners. So this is a checking account and a savings account that there's no minimal, no fees, all of it. And with it, when you sign up, you get your very own Fairwinds debt as normal. Be weird. Ramsey debit card.

[A]

Love it.

[B]

Isn't that beautiful?

[A]

And we both have one, so you can be like Rachel, if you get this card.

[B]

Yes. It's absolutely incredible.

[A]

Channel your interracial credit.

[B]

I love it. And it's the one that I use all the time. Like, when I gotta, you know, take the debit card out to swipe. I'm like, oh, here. And it's got the chips. You tap the whole thing. You tap to pay the whole bit.

[A]

It's great.

[B]

Yes, but their service is great. The banking is great. So make sure to check it out.

[A]

Yeah, most banks, they want to keep you broke and sell you debt. Fairwinds wants you to win financially, and that's what I love about them. So go check it [e-mail] Ramsey to sign up for that Smart bundle today, we'll also drop a link in the description.

[B]

All right, so let's dive into our financial pet peeves. And again, one not so bad. Ten straight to jail. Okay, you ready?

[A]

So we're gonna write the number on the board. Make sure we hear it.

[B]

Sending Venmo payments to a spouse.

[C]

Oh, my God.

[A]

Okay, so 1 intolerable 10 is straight to jail. How do we feel about sending Venmo payments to a spouse?

[B]

I got one.

[A]

All right. I got it.

[C]

All right.

[B]

One, two, three. I put an eight.

[C]

Ten.

[A]

I'm a seven on this one.

[B]

Okay. I'm an eight.

[C]

Jade, I feel like this is, like, the highest of offenses.

[A]

Don't share your thoughts. You're the winner.

[C]

So, I mean, I'm just. And I've said this before. I'm just imagining the scenario where, you know, it's a Friday night. We've just gone on what I thought was a date. And, you know, we're laying in the bed, and I'm thinking something might happen. And instead he leans over and asks me for, you know, the money for.

[B]

The request of the Venmo comes out.

[C]

Yes. The request for. To pay for my half of the date, the date that you took me on. Like, that's straight to Jill.

[B]

You know. What, are you kidding me?

[A]

Here's why I rated a 7, because it doesn't affect my life. If you want A crappy relationship. That's fine. It's entertainment for me to see that in my Venmo thing.

[C]

Oh, my gosh.

[A]

So that's why I didn't give it a 10.

[B]

George keeps a little less because he wants people to kind of secretly do it so you can be entertained.

[A]

Exactly.

[C]

It's just absurd.

[A]

I don't use social media anymore. I just use the Venmo transaction feed for my own personal entertainment.

[C]

Yeah, see, I didn't know. But apparently people like you can mess. Like, you can show it to everybody. Everybody can see who you Venmoed. Yes. I don't have it. I don't even have it. That's how much I don't care about it. I don't have Venmo at all.

[B]

Do you pay. How do you pay babysitters, Zell? Oh, you're so.

[C]

There's no. I mean, I don't think there's any texting on that.

[A]

No. It's not a social platform like Venmo has become.

[C]

Why is it a social platform to see like, I gave bob. It makes 10 bucks for Arby's. It's just fun.

[B]

It's just people like, George, scroll it.

[A]

Yeah, I did it this weekend with my buds. We went to Swig the soda shop. We all got some late night treats and I paid for it. And they all Venmoed me. We settled up.

[C]

It's just a way to like. It's clout to be like, look what.

[A]

I. Yeah, mine wasn't public. I'm not that wild.

[B]

No, but you do look at people's dudes.

[A]

Oh, 100%.

[B]

Yeah. Okay.

[A]

Yeah. I don't know if people just don't know that there's a set to public.

[C]

Yeah.

[A]

Cause sometimes I'm like, this for sure was not meant to be public.

[C]

Yeah. I feel like. And there's scandals could break.

[A]

It was like child support. The message said, like, it didn't have to be this way, Amber. Yikes. These. He might be doing this out of vengeance, you know, out of spite of keeping it to make this public.

[B]

And he's like, it has to be this old.

[A]

So. Yeah, that's why it's my entertainment. Okay. All right, thanks for sharing.

[B]

What's the next one, George?

[A]

The next financial pet peeve. Carrying thousands of dollars in debt and still buying an $8 latte every day. All right, what's my rating on this one? This one feels personal to some people in the room. Hearing some giggles over there. All right.

[B]

Jade, you go first.

[C]

I said five.

[B]

I said Three.

[C]

There's, like, worse things you could do.

[A]

I said nine. Okay, here's my thing. I don't want to hear you complain about anything. If you're out here buying $8 lattes and not dealing with the problem at hand, okay? It's like your house is on fire and you're like, well, I need to buy some things off Amazon real quick. Scroll, scroll, scroll. Add to cart, add to cart. I'm like, guys, we have a fire in the house. Get out of the house.

[B]

Address the fire. Address the fire.

[A]

I want some urgency. And so if you don't complain, that's fine. But if you want to complain about inflation, the economy and all that.

[C]

Well, are they complaining or are they just getting a coffee?

[A]

Well, here's the thing. There's a subtle. It's the people. Like, I'll never own a home. Woe is me.

[C]

Oh, got you, got you. Okay.

[A]

And yet they have expensive daily habits in their life that are clearly causing.

[B]

See? Okay, but my question is, if that's the only habit, though, and it's eight bucks, it doesn't feel like a big swing.

[A]

It's never the only habit.

[B]

You know what I'm saying? Like, if you're doing a bunch of big stuff that makes a dent. But does the eight dollar latte, like, really give the dent on its own?

[A]

No, but I think it signifies bigger problems.

[B]

Yeah, well, you're reading into it. That's not what the question was.

[A]

I haven't read it.

[C]

Yeah, he also assumed they were complaining. And, yeah, you were.

[A]

Lattes. Like, what are in these? What. What's going on with these $8 lattes?

[B]

I like a Keurig myself.

[C]

I always think that coffee.

[A]

There's a balance between hating yourself and buying an $8 latte. I just. Somewhere in between would be nice.

[B]

All right, next buy. Oh, this. Jade, this is for you.

[C]

Oh, boy.

[B]

Buying Christmas gifts for grown adults.

[C]

Listen. Whilst in debt.

[B]

I don't know. It doesn't say that. It's just saying. It's just saying.

[A]

Bye, says Jade.

[B]

Christmas gifts. So it's saying Jade hates g. No, I'm kidding.

[A]

Scrooge McWartshaw over here. Oh, she's.

[B]

Oh, she's writing words, not a number. Hold on, hold on. She's got. She can do it. She's a guest. Be kind to our guests.

[C]

I made my own rules. Okay. Am I going first?

[B]

You go first.

[C]

Okay. If there's no debt, it's a one. Cause I'm like, if you have no debt, sure. Buy adults gifts.

[B]

Fair.

[C]

But if you're in debt. She a 10. Like that moves up to 10 in two seconds.

[A]

10 plus.

[C]

10 plus.

[B]

Yeah. Okay. I'm going five in general.

[C]

In general.

[B]

Just a general five. Oh, okay.

[C]

Interesting.

[A]

I said 3.5.

[C]

3.5.

[A]

Yeah. It wasn't quite a. Here's my thing, and here's where we've been getting questions about this of, like, should I be spending money? Or, like, should I accept gifts from people who I know are in debt? I'm like, I say don't block a blessing. If that's how they wanna spend their money, so be it. You know, you can try to not accept it, but at some point, this is their life, they're living it. And until they're at a point of pain where they want change, they want to ask for your help, or they want to stop it, they gotta just do what they're gonna do. So that's where I'm like, it again, doesn't really affect me. It affects them. The pet peeves that really bother me are the ones that intertwine my life.

[C]

Interesting.

[A]

On my day to day.

[B]

Yeah. Mine are the gifts that, as an adult, you should just buy yourself. Like, I almost think there should be a rule of, like, a creative, sentimental. Like something that's coming from an adult to adult.

[A]

Like, what about if it's over a certain amount, do you feel like that's not a Christmas gift? Like, just save up, buy it?

[B]

Yes, I think it's that kind of stuff. So, like, so it doesn't bother. So that's why I said a 5. Cuz like, you draw names. Like, we draw names like the siblings on Winston's side and my side. Like, and that's fine. That's kind of fun. Just, you know, maybe one gift for that person. Yeah, but it's like, don't do a gift card. Don't. You know what I'm saying?

[C]

Get real gifts.

[B]

Yeah, that's like, do some resources. You could probably go, but it's a thoughtful. Like, that's the meaning as an adult to an adult. Like, a kid needs things, but an adult to an adult, like, I don't need to like you. You said it when we were on the air. Like a blender. Like, Aunt Rita doesn't need a blender. If she needs a blender, go buy a blender.

[C]

But like, I'm gonna catch shade for this. I already know. But you're in debt. You're, like, trying to buy gifts for everybody on your list. You're getting people slippers. You're getting them A really bad. From Bath and Body Works.

[A]

Yeah.

[C]

You're getting them a candle. All these things that they are like, yay.

[A]

Like T.J. maxx.

[B]

Yeah.

[C]

There's no. Like, there's no. They're not. It's almost just to check the box. If I gave a gift.

[B]

Versus.

[C]

And you're doing it to your own detriment. Versus.

[B]

Yes. Especially when you have debt. I'm with you.

[C]

It's the holidays. Give them a hug. Love them.

[B]

Give them a hug. Spend time.

[C]

Yeah. Spend some time. The best presence is your presence.

[A]

Oh, that's good.

[B]

There you go. Put that on a bumper.

[A]

I'd move to perishables. I think getting people perishables is the best move because they have to consume it like cookies. They're not gonna return it. They have to consume it. A box of pears a night. Like David. You know what it was? What's the Harry and David?

[B]

Harry and David. Yes.

[A]

Nice. Harry and David box of pears.

[B]

Oh, you're fancy.

[A]

From Costco.

[B]

Yeah.

[C]

I don't know what that is. Are they special tea pairs?

[A]

Very special. Gold foil?

[B]

Yeah.

[A]

Whole nine yards.

[C]

But is it only just a pear inside?

[A]

Does it come with other accoutrements? Some chocolate covered almonds, maybe some nuts?

[B]

You know, See, those kind of wig me out a little bit. How long have they been sitting at Costco? You know what I mean?

[A]

They last forever.

[B]

I know. I get a little worried of me getting poisoned.

[A]

Are you telling me my nuts?

[B]

I don't know. I don't know.

[C]

Are you literally telling me it's just a box with pears on it?

[A]

I've been known to gift the holiday tower for family members is all I'm saying.

[C]

I'm saying there's no difference between those and the ones that are just at the grocery store.

[A]

They're different.

[C]

Okay.

[A]

The gold foil really makes the presentation. It ups the presentation, if you will. So bougie, they're nice pairs. I don't remember the name, but they're like bougie pears. Really good. Best pears you've ever had.

[C]

I.

[A]

And people take your word for it. People don't buy pears anymore, so when you get a pair, it's special.

[C]

I have three pairs at the house right now that you purchased. I have one in my lunchbox.

[A]

I've never picked a pair in my life.

[C]

Wow.

[A]

I let Harry and Dad.

[B]

How about a kiwi?

[A]

My dad will do that because the kiwi, you got to shave the little, like, fur off and that freaks me out.

[B]

Okay.

[C]

Wow.

[A]

I don't want to have to.

[C]

I eat a kiwi almost every day.

[A]

Violate a fruit.

[B]

It's so healthy.

[C]

Fun fact.

[B]

Loves a kiwi.

[C]

Low vitamin C. Like, if you have one kiwi, it'll bring it back up.

[A]

And you're shaving that thing down every day.

[C]

Yeah, I just use a paring knife and just slice around the sides.

[A]

Yeah, it's not that bad.

[B]

She uses for her pears, I bet, too.

[C]

Yeah, for my pears. I like to eat the skin on the pears, though, so I don't shave those up.

[B]

Oh, okay. Yeah.

[A]

Fair. You ever try that on a kiwi.

[C]

Though, to eat the skin? No.

[A]

Live a little.

[C]

I'll. I'll save that for you, George.

[A]

Moving on. All right, next up, we've got calling a tax refund a quote bonus when it's just your money being returned to you.

[B]

Oh, pet peeve. Pet peeve.

[A]

All right, Got my answer locked in. And wow. All right, Rachel, go ahead. On garment, I said two. On this one, I said four.

[B]

Okay. Y' all were low. Y' all were low. It just doesn't sound educated to me. I'm like, what are you doing? That's. No, that's. That's not a bonus. A bonus is because you worked hard in a certain area of the company and their revenues went up and they were sharing with, like, that is. That is what a bonus is. That's your money.

[A]

They thought the government was blessing them.

[B]

A little more in your paycheck that you gave too much. Like, it just sounds, like, so sad.

[C]

Yeah, Some people.

[B]

I'm just like, there's savings. That's not it. That's not it. That's not what that is. You can't. You can't. So it's just. It's a renaming of something that. Just emotionally immature. Oh, maybe I'll go there.

[C]

I like that.

[B]

Emotional, immature. That is not true. It's not true. That's not what it is. So we can, like, it's like net income versus gross. Like, those are two different things.

[A]

There's a factual reason for that.

[C]

Yes.

[B]

There's two different things.

[A]

So I said, too, because I was like, it's a lack of financial literacy.

[C]

Yeah.

[A]

And therefore, I'm like, well, they just don't know any better. Similar to your point, maybe. But on the empathy.

[B]

We need to learn as. As adults here, though. We all need to learn.

[C]

Yes.

[B]

And if you say it once, that's fine, but we need to learn. And we need to change our vocabulary. We need to change our vocabulary. All right, next Being forced to split dinner evenly when you intentionally ordered a salad and no alcohol.

[C]

Ooh, I've been there.

[B]

Okay.

[A]

All right.

[B]

Oh, yeah, yeah. Shoot.

[A]

Really trying to get my blood pressure up today. I can feel the cortisol spiking. See, Rachel's guilty of this, so she's. No, I'm not.

[B]

Sometimes, but not a lot. I only do it if I know it's an evenly thing. And everyone's like, hey. And I'm like, oh, yeah, yeah.

[A]

Never in history has it been a perfectly even thing.

[C]

Don't you pay attention to, though? To what other people ordered? Because I feel like if I pay attention to what my group is ordering, and the guy's like, do you want to put it all on the same ticket? I'll be like, no. If I notice my friend didn't get much, but if it seems like we did a lot, I'll be like, I'll just wait and see what they say because I don't care.

[B]

Or classic. We did this on Friday night. Went out with some friends. They have two kids, we have three, and I. Appetizer queen. Order two appetizers for the table. So when the check came, we said. We said, yeah, put there. Well, I guess we separated and we took the appetizers. Cause I ordered the appetizers. Even though we all shared it.

[A]

It's fine too.

[B]

But I ordered it. So then it's unfair to them to pay for something that they didn't order.

[C]

I think that's right.

[A]

I think that's very fair. That's human decency.

[B]

Okay, but just the flat out. You tried to go really inexpensive and someone's like, split the bill. I'm going eight. That's annoying.

[C]

I said six.

[A]

Wow.

[C]

Because I'm the one that's having to pay the bill, right?

[A]

Well, you have to pay the.

[B]

If you're the salad and no alcohol.

[C]

Oh, I'm the sal. Yeah. It doesn't. These days. It doesn't bother me.

[B]

Okay.

[A]

Wow, George. No. That's a violation of human rights. I'm a 10 plus on that one. There's nothing more indecent you could do than to order a bunch of stuff that I couldn't eat because I'm the gluten free one.

[C]

Yeah, yeah.

[B]

Now that's.

[A]

And you're like, well, let's just split. It's easier, guys. Let's just split it even.

[C]

But don't you think that people kind of make the assumption that. That my friends are kind of in the same financial status I am? Do you feel like People just make that assumption.

[A]

Maybe they're honestly just trying to. They're trying to make it simpler while also trying to make it better for them.

[C]

No.

[B]

Do you think they're being manipulative about it, or do you think there's, like.

[A]

I don't think it's manipulation as far as saving a buck. I just think they're a little bit selfish.

[C]

But if you're truly amongst friends, let me tell you this. If I was selfish friends and I got salad and they were, like, living it up, I'd be like, put me separate, please. I would just say it.

[B]

Just say it.

[C]

Yes. And then they would.

[A]

Well, my friends would be like, well, I'll have another drink. And I'm like, whoa, whoa, whoa. Like that. Now we're messing with the. You know what I mean? It's not. It's not. You got three drinks, plus the apps, plus the fancy entree, and now we're splitting it. That's. That's a straight to jail for me.

[B]

Straight to jail.

[A]

That's why I'll call it, hey, I'm on my own.

[B]

What do you say? Yeah. What do you normally do if you're out? Because you're so fun, obviously. So people, like, want to have you out.

[A]

Let me just say this. It's been a while since I've been invited, but it is.

[B]

But seriously, there's six guys. What? For what. What's your. What's the. What's the dialogue?

[A]

I'll try to pipe in first. If the waiter asks, are we doing separate or all together today? Okay. Separate would be great.

[C]

Huh? Okay.

[B]

Yeah.

[A]

And if they go, well, it'll be easier. I'll say, well, I'll be on my own and you guys can have your own.

[C]

Do you do that no matter what?

[A]

In general, if it's a big group. Huh?

[B]

Now, if it's impossible, would you ever split a bill?

[A]

Yeah. I'm not above it.

[C]

Okay.

[A]

Left to my own devices, I will fight to not.

[B]

So if we did a double date and we all four ordered a cocktail.

[A]

Okay.

[B]

All four ordered a glass wine. I don't know. Prices. I don't know, George.

[A]

Well, we got a bottle of wine. We all split it.

[B]

Yeah, we split the amount.

[A]

Get the bottle.

[B]

God forbid, I may order an appetizer and ask, is it gluten free? No meat for Winston. Like, is everyone good? Okay, this will be fun. This looks good. We all order. I don't know what we're ordering. Winston may get us out. I don't know. I don't know.

[A]

We just don't know yet.

[B]

We don't know.

[A]

One was 14, one was 13.

[B]

But they're all here. And the bill comes in that situation. Would you still say me and her. You and Whitney?

[A]

No. At that point, I would say.

[B]

Let's just say if it feels somewhat even.

[A]

Yeah. Put the two cards down and they'll split it. Yeah. Especially with the cruises.

[B]

That's trash.

[A]

But I can count on zero fingers how many times I've been invited to have a double date. Didn't take long.

[B]

We will do a double date. You'll have a newborn baby, George.

[A]

You're right. Put it on us. It's our fault. No, it's our fault for procreating. Bringing life into the world out of nothing.

[B]

Out of nothing. Bragging about sports betting, day trading and crypto, etc. Okay. And bragging is the word. I guess it'd have to be bragging.

[A]

Yeah. Just follow your heart, Jay.

[C]

I don't really know anybody who does such things.

[A]

Yeah. That's more on social media for me, is where I see it. My friends know better than to do that around me.

[C]

Yeah.

[A]

All right. I'm a nine on this.

[B]

I'm a three.

[C]

I'm a three.

[A]

This one, I feel like, intersects my life because it's in my feed.

[B]

Yeah.

[A]

You know what I mean? They're not doing it on their own. It ends up in my algorithm.

[B]

Yeah. We don't know how algorithm.

[A]

The Lord works in mysterious ways.

[B]

You know that. Yeah, we don't know. I was telling her it was in my feed last night. I'm like, why am I watching these?

[A]

It's on a lot of Onx, for example. And I think the Lord tests me with these posts.

[B]

Okay.

[A]

But there's just a lot of bragging about the wins and never about the losses and the stress.

[B]

Sure.

[A]

Until they lose it all. I follow one account called Coinfessions.

[B]

Yeah.

[A]

Which is people anonymously submitting their cryptocurrency debacles of how they've lost their lunch. And so that actually brings me. Not that I want to see, like, enjoy people's harm. The Freudenstrat, I think it's called Freudenshade. Freudenshaden. Which is like, never heard of deriving germs from other people's pain. It is.

[B]

Okay.

[A]

Oh, yeah.

[C]

Okay.

[A]

So anyways, I don't drive Joy from it, but I go. See, that's the part they're not talking about.

[C]

Yeah.

[B]

That's fair.

[A]

All the times they lost money.

[B]

Yep. And what about the whole NBA Y', all, what's about that whole thing?

[A]

Oh, my goodness.

[B]

So that makes me think what's like.

[A]

I'm wondering what else is going on.

[B]

I know what's been rigged. I know y'.

[C]

All.

[A]

And that's why the only reason I don't watch sports, to me it's just wwe but a different phone.

[B]

No, don't say it's all red. No, it's not. Not all of it.

[A]

The Chiefs can't win that much.

[C]

He.

[A]

They did it so that Taylor would be attracted to Travis and then they'd.

[B]

Get married, and that's what world peace. What are you saying?

[C]

Interesting.

[A]

And now are the Chiefs going to make it to the Super Bowl?

[C]

We don't know.

[B]

We don't know, George.

[A]

Exactly. But somebody does.

[C]

Interesting.

[A]

Somebody's. You know what?

[B]

There is a conspiracy theory. You know, I'm gonna bring it up. There is a conspiracy around natural disasters, and the super bowl ends up being in that city within like a two year period or something. It's weird.

[C]

To do what?

[B]

Well, the conspiracy is to get the economy back booming after like a hurricane in New Orleans. The Saints went like it was all this. Like there was something about this whole conspiracy. Yep, Very interesting. But you can look it up.

[C]

Okay, very true.

[A]

All right, I'll do the next one. Financial pet peeve. Using Klarna and other buy now, pay later services to pay for a 50 grocery haul.

[C]

Oh, that just sounds sad.

[A]

Yeah, that definitely is in the sad category, George.

[C]

That felt very hard to even.

[A]

No, I mean, it's hard to even.

[B]

Rate that one grocery feels like it's food.

[C]

Yeah, it feels like it's like, should.

[B]

We change it for fun and do clothes Jeans. Should we do like Abercrombie jeans? Klarna for Abercrombie jeans.

[A]

Also, a 50 haul feels generous, you know?

[C]

Well, that feels like you're just getting what you need to survive. And that's why I gave it a one.

[A]

Wow.

[B]

So look how much she is.

[A]

I gave it a two. Rachel now is gonna group.

[C]

Say it felt like survival mode.

[A]

Yeah. I would say in general, like, depending on what you're using. Buy now, pay later for the number. Yeah, Varies.

[C]

Yeah. If you're buying.

[B]

I was. I was going to go six in general. Six in general. Yeah. Because I think it's a. I think it's such a slippery slope to me. And you feel like you're getting a good deal and you're not. Like, it's not good. So.

[A]

Well, and it's just a really poor financial habit. Even if you can make the payments. It's somehow worse than credit cards because you go, well, I don't even want to spend 100 right now. I'll spend 25 right now. So psychologically, you're tricking yourself into stupidity. And for that reason, it just. There's a layer of sadness to it all.

[C]

Someone called into the Ramsey show and they had split their payment through their bank into four and were paying it off.

[B]

Oh, like through the bank?

[C]

Yeah. You can split anything into four payments. And I was like, that's crazy. So you could pay your. You could essentially pay. Split your mortgage payment into four.

[A]

Oh, yikes. Anything.

[B]

Do it, like, once a week. That it's, like, getting it, like, interesting.

[C]

I was like, oh, my gosh, this is a.

[A]

Well, it is getting more frivolous now. It. You know, it's. Costco has a firm partnership, and Doordash has a Klarna partnership. So every company is like, we can make more money.

[B]

I think that's as hard as justifying it justifies the amount you spend. And you don't really see a true cost of what you're spending.

[A]

It's just an add. Emotionally, make the payments over time.

[B]

Yeah. And emotionally, the payment is so small at that point that it's like, that's fine.

[A]

Yep.

[B]

Yep. You don't really see what you're seeing. All right, George, Buy now, pay Later Services is not the only online threat to your money. That's why we love Delete Me.

[A]

Yep. You want to start the year in control. Right. Not reacting to online threats and data breaches.

[B]

Yes. And we've just gone through the holidays, you know, and you sign up for all those promos and stuff, you're putting your information out there. And in general, it's crazy what the Internet collects. And then what can happen is people collect your data, they give it to data brokers, sell it to them, and those data brokers then sell it to scammers and spammers. And you get these texts and these spam calls and get your number, your name, your address removed. Delete Me is for you.

[A]

Yes. So while you're trying to take control of your money this year, take control of your privacy, too. They make it easy. They send you a report showing you exactly where they removed your info, how much time they saved you. And it's one of the best emails I get when I see that new report come in. I'm like, download PDF now.

[C]

Look at this.

[B]

And it's a team of real people doing this, too, you guys. So they're Scouring the Internet for your information to remove it from these data broker websites, and that's what we need. So they're giving, actually our listeners a great deal.

[A]

Yeah, 20% off the annual plans just go to JoinDeleteMe.com. smart money to get the deal. We'll also drop a link in the description below.

[B]

Okay, next. Women joking about hiding Target bags from their husbands.

[A]

Oh, I don't like that.

[C]

I was once that person, by the way.

[B]

That's okay, Jade.

[A]

Thank you for your honesty.

[B]

We appreciate it.

[A]

So authentic, so bright, so real, so vulnerable.

[B]

Okay, okay, I'm going eight.

[C]

I'm going five.

[A]

I did a seven.

[B]

Oh, all right. I'm the highest.

[A]

You're the winner.

[B]

I think it annoys me more because of the husband.

[A]

Oh, you're blaming the husband?

[B]

Well, I'm just like, what makes you have to, like, if I had to hide something from Winston, it either means that, like, he's, like, a want person that doesn't want to spend, or. I'm sorry. Like, I. I can't. I just can't. I can't even, like, engage with, like, oh, my God. You know what I'm saying? And you're just, like.

[A]

Like an immaturity to it.

[B]

It just shows your marriage to me where I'm like, either you married, like, Not a. Not a fun guy.

[A]

Well, can I tell you, I'm guilty of this? It's not Target, but it's. Whitney will hide like. Like, fast food bags.

[B]

Stop it.

[A]

But I see the transaction.

[B]

I have my Taco Bell proudly showing that I went through the.

[C]

That's funny.

[A]

Like, I see it in the trash.

[B]

Because, you know, I see.

[A]

Saw the trans. Well, she knows. I'm like, why'd you go to see.

[B]

That's the husband I'm talking about.

[A]

But it was more for the longevity of her life and health than it is for the money.

[C]

That's very funny.

[A]

There's bigger transactions coming through, but it's the McDonald's that gives me pause to go, what does she want?

[B]

One meal out of what, all week, probably.

[A]

Oh, yeah. No, she deserves it and more. And secretly, I'm a little jealous.

[C]

What's the main one? That.

[A]

Oh, man.

[C]

You make her feel bad about George.

[A]

Bad? I would never make her feel bad. She's not here to defend herself. But I'm much more empathetic in this phase of our life to where I'm like, I saw one come through today for Whitney's cookies, which is a great cookie place, and my first thought was, good for her.

[C]

I see. That's so good.

[B]

We have been to her a lot.

[A]

So I'm like, good for her. So if I see it come through now, I'm like, she deserved that.

[B]

Yes.

[A]

And so she literally said, I'm eating my feelings today. And I went, 100% girl.

[B]

I get it. You're like, I get it. I know.

[A]

Shout out to Whitney's cookies.

[B]

So funny. Okay. And this isn't a comparison on marriage, because, Winston, trust me, we are not perfect by any stretch of the imagination. But I am proud when I go through Taco Bell and I text him.

[A]

Are you like, you want anything?

[B]

Yeah. Well, I'm like, guess where I am. It's like Taco Bell.

[A]

What's your order?

[B]

Three soft tacos, nachos and cheese.

[A]

Beef.

[B]

Yeah.

[A]

Okay.

[B]

Fire sauce.

[A]

Oh, wow. Bold. Bold, y'. All.

[B]

It's.

[A]

So what's Winston's order?

[B]

He doesn't eat it. So to your point, no judgment. Even though he doesn't eat it, he.

[A]

Probably can't enjoy it for a thousand reasons.

[B]

Yeah, he would go drink a protein shake or something.

[A]

He wouldn't define his body with that.

[B]

And that's the thing, is everyone's like, it's so bad for you. But I'm like, is it?

[A]

He could probably eat that because it's not real meat in there anyways.

[C]

I think it's, like, sawdust. Didn't they confirm that it's, like, cut with sawdust?

[B]

No, no, I think that they did.

[A]

No, I think they take compost and, like, turn it into a beef I.

[B]

And mozzarella sticks at Sonic. That's the other thing.

[A]

Oh, dang. That's a good one.

[B]

I love fast food.

[A]

Say what you will, she's got taste.

[B]

I love it.

[A]

All right, next one. Refusing to be generous, but going on three luxury vacations a year.

[B]

Using to be generous.

[C]

When you say refusing to be generous, what does that look like?

[A]

You tell me.

[B]

I don't know.

[A]

Just rate it at face value. Don't question it.

[C]

It's hard for me. It's hard for me.

[A]

All right, I went five on. I'm middle of the road on this one. I know, y', all because I don't know the heart of humanity. I don't know neither where that coming from.

[B]

I went low there.

[C]

Seemed like there was some sort of a scroogery to this. So I said seven. Like a scrooge. Like, I refuse to give. So I took hearts.

[A]

Hey, I don't have money to give to this thing, but I do have money to go on these luxury vacations.

[B]

See, I think it's a topic that's not normal. I don't think. Unless there's like a spiritual component.

[C]

I mean, honestly, I don't think most people give.

[B]

I don't think they think about it.

[A]

Agreed.

[B]

So that's why I went low, is because I guess the word refusing is a little bit strange.

[A]

Unless it's part of your, like, faith background. It's a strange thing to be like, wait, you just want me to give a bunch of my money away?

[B]

Right.

[C]

But even if you look at churches, like, the percentage that give, that actually give. Are very pretty low.

[B]

Yes. Very, very low. So I think it's more common for people not to. So maybe that's why I went.

[C]

Yeah.

[B]

I'm not surprised.

[A]

I think left with our own devices, humans are fairly, you know, inward looking. And so you're going to go, I want to have fun.

[C]

That makes sense.

[B]

Just like your friends at dinner.

[A]

That's right. Gotcha. Very selfish.

[B]

Next. Paying $800 a month for a car when that money could be turned into.

[C]

Millions invested instead of after we've told them not to.

[A]

That's the cabinet.

[C]

Add that after we told them 800amonth. Don't do it.

[B]

Don't do it.

[A]

Yeah, go with it, y'. All.

[B]

I'm a 10 on this one.

[C]

I'm a 10 too.

[A]

Wow. I went 8. I'm a real softy.

[C]

Wow.

[B]

Sweet George over there.

[C]

I just. People feel it. Like, they know, you know, when you've gotten yourself into trouble. And people would rather drive that brand new car even though it's bleeding them dry every single month.

[B]

Yes. It's an ego play to me for the most part. And I think people can couch it of like. And I get. People want a reliable car, so I get like not wanting to drive something that's like breaking down all the time.

[C]

I'm not talking about that, but 20, 25. But brand new.

[A]

Yes.

[B]

And it's constant. And I'm like, that is just from a math standpoint, I think it's one of the hardest ones to like, come back from where you're like, oh, my gosh, what you're paying. We talked to a guy paying 23% in interest in his car and you're just like, like, what are you doing?

[A]

No.

[B]

Like, I could almost justify a house more. You know what I mean? Like a house payment. That's a lot. Or something where you're like, okay, that's.

[A]

Your home appreciating asset.

[C]

Yes.

[B]

But a car, it's so it just feels more ego. And I was like, but safety. And I'm like, I don't think that's. I don't know. No, I think, I think, I think a Honda Civic is, I think a.

[A]

$20,000 car is just as reliable and safe as a $50,000.

[C]

It's like if you're going into debt, I feel like that's the extreme. It's like you could, if you were going to go into debt, couldn't you have just got the $20,000?

[B]

Yeah.

[C]

Still fine.

[A]

But they want it to be new.

[C]

That's how you.

[A]

Until they drive it.

[B]

Well. And a new nice car. To your point. Yeah. It's like, well, I have a sixty three thousand dollar car pay, you know, car loan. When you're like, why didn't you just go get a 18,000?

[C]

Yeah, that could have gotten the job done.

[A]

Here's why I docked it. I don't, I don't think these people see the 800 as a. They don't connect the dots between that and investing.

[C]

Well, that's the same person who says, I don't have enough money to pay for my kids college and cash. How are we supposed to, you know.

[A]

Like, you can't retire in today's America. Might as well live it up until you die.

[C]

That $800 is blocked.

[A]

Very fatalist. And so it's very YOLO mentality. And it's true. They want to look good.

[C]

Right.

[A]

Or if it's the mom, they want the big safe, reliable suv, brand new Tahoe.

[B]

And I get wanting room. Like, especially if you got three kids. The third kid for me was like a. Ooh. Oh, I feel this, like this is.

[A]

We need three young kids and car seats.

[B]

Yes. So I get it. But also for what it would cost per month to do. I don't think I could. I genuinely. Yeah, I think I'd go get like a really old van if I had to. Love my van.

[A]

Love a good van. All right, next up, adults in their mid-30s living at home to save money, quote, unquote.

[B]

Adults in their 30s.

[A]

All right, I still.

[C]

Again, I have questions indefinitely. Did they put a time frame on it?

[A]

We're gonna assume it's the standard fare.

[B]

I mean 30s, y'. All.

[C]

30S is pretty bad.

[A]

And it was to save money.

[C]

Save money, yeah.

[A]

All right, ten plus.

[C]

I'm going, I'm going. Controversial. Five.

[A]

Oh, you're low.

[C]

If they're saving money and there's a time limit, there's a grown.

[B]

A man.

[A]

Can I share the story?

[C]

Is he Single, living, married.

[B]

I don't know. Living with his parents.

[A]

Can I tell you the call that I have go. They moved in. There were 33. I remember this. And they moved in with his family because he was like, hey, we need to save money. We gotta get out of this debt. We gotta save money. So I finally asked, well, how much debt were you guys in when you started this? I said, $10,000. So great. What's the progress? Where are you guys at now? We're $40,000 in debt. I said, whoa, you did all this to save money? How would you go $30,000 more into debt? Well, he just likes to buy a lot of. And I went, but this is exactly my fear is you get too comfortable when you're living with family, and you don't end up saving more, you end up just spending more because you don't have rent to pay. So that 1200 bucks just goes into the ether.

[B]

Yes.

[A]

So that is why I'm so angry at this, because most people I talk to don't actually save.

[B]

And if there's a time period of, like, okay, your family's moving because they're, like, building a house, I don't know if there's a reason. I get that.

[A]

Caveat. If you had a big life, implosion, health scare, a divorce, Totally get it. That's not what we're talking about.

[C]

No.

[B]

And my biggest thing is the dating. Like, if you were in your mid-30s and you're single, could you. Could you imagine, like, where do you want to hang out after? Like, if the. If the date's going well and you want to.

[A]

Hey, mom made spaghetti tonight. You want to come?

[B]

I mean, genuine, genuinely, like, that is so unattractive.

[C]

Problem. Yeah, it's a problem, but it will.

[B]

Keep you like you're going back to your. Your bedroom, like your childhood bed.

[A]

You know what I'm saying?

[B]

I'm like, you're a man that, like.

[A]

Well, correct me if I'm wrong, but women are looking for, like, provision and protection.

[C]

That would be, like, when living at home.

[A]

I don't think that's. They don't see that future.

[C]

I would be concerned that this person can't sustain themselves. Therefore, how could they be married and sustain a wife or, you know, kids? That would be my problem.

[B]

Yes.

[A]

I just.

[B]

I don't like.

[A]

Yeah, you heard it here from grown women in their 30s. Don't do it, guys.

[B]

Don't do it. All right, next one is taking out debt for vacations because it's 0% APR for 12 months. Pet peeve.

[C]

I feel like I'm surprisingly empathetic on this. I don't know why.

[A]

I went nine.

[B]

I went four.

[C]

I went four.

[B]

Jade, we are a lot alike.

[A]

Here's my reasoning. They always have to mention that it's 0% APR for 12 months. It's like they're bragging about the stupidity that, like, well, I got a good deal on my debt, so therefore I'm a genius. That's the pet peeve part for me. Not the fact that you went into debt, but it's the people who always have to mention their low interest rate to justify their debt.

[B]

Today we got a lot of those.

[A]

Well, it's only 4%. That's like, it's almost a. I'd rather you lack financial literacy than think you know it all and be going to debt.

[B]

That's fair.

[A]

Yeah, that person's. Hard to change their mind.

[B]

That's fair.

[A]

They've assumed they're, like, a math genius by rolling over their 0%, doing balance transfers, finessing the system. Sorry, I keep hitting your mic. I'm so angry. So, yeah, that one really bothers me for some reason.

[B]

Really.

[A]

And it's usually guys, I will say, that fall into this bragging about the interest rate trap.

[C]

What's up with that?

[B]

Yeah, most women aren't like, oh, I got 0% APR.

[C]

I feel like in your other life, you were this guy.

[A]

Yes. Left to my own devices, this would have been my.

[B]

Was there, like, an incarnate.

[A]

Like a bizarro George about his incarnation.

[B]

Who was George? There was another lie.

[A]

George.

[B]

You'd be a crypto, bro.

[A]

You'd be a crypto. I 100% be a crypto, bro.

[B]

You'd be all these things. You'd be all of our pet peeves.

[A]

I'd be everything I hate.

[C]

I got 2.2% interest on my house.

[A]

And in the movie, the last scene would be us fighting to the death, you and I. No, I know.

[B]

I was like, what?

[A]

Like evil George versus me. We'd have to fight.

[C]

Got it.

[B]

I think I would have been a royalty in my last life. I really think I.

[C]

What?

[A]

That's a thing you thought about?

[B]

No, just now, I just thought, what do I gravitate towards? I'm like. Like, caviar would be really fun. Like, that was, like, my new hobby.

[A]

In a past life. You were royalty in a past life. What about in a future life? Ooh, you got a crown in heaven.

[B]

I was going to say a homesteader, but I don't know if I want to do all the animals.

[A]

Oh, oh. How about Trad Wife Influencer. I could see that. O.

[B]

Maybe.

[A]

All right. Take us home.

[B]

Last one, y'.

[A]

All.

[B]

You ready for this?

[C]

Yeah.

[B]

This is funny. Grown men spending money on in app purchases for games.

[C]

Oh, man. Oh, man. I.

[B]

This is funny. George.

[A]

I'm going empathetic here with a six.

[B]

I'm going 10.

[C]

That's because little George would have done it.

[A]

A lot of my friends. Oh, you did 10 exclamation points.

[C]

Yeah.

[A]

Wow.

[B]

She did like the bubble letter.

[C]

I don't like games. If you have time. Hold on. If you have time in your life to sit and play a game and spend money on it and, like, do levels. What are you doing?

[B]

Do levels.

[A]

What are you doing?

[C]

And you're buying things on it. People are spending money. I am shook.

[B]

I'm worth it.

[C]

I'm sorry. If Sam Warshaw came home with a game. I know. Well.

[B]

And what if he's like, sorry, jade, I needed 15 more lives, so I bought it.

[A]

I need to buy a new Fortnite skin.

[B]

$6.

[A]

I would be sing things around in.

[B]

The budget and 99 cents.

[C]

No, no, no, no. When I first met Sam, he had like a. A PlayStation or like, an Xbox. And I walked into his house, and I was like, what's that? And he was like, oh, I. Sometimes it was like. As he was talking, he immediately shut up. He was like, I sometimes put, oh, I'm selling it this weekend. It was like. He went. Cause I was like, who sits?

[B]

See, I will say Winston. Winston had an. From college and still has it. It's like the old, old Xbox. And he. We actually brought it out. It was almost a year ago to. For the kids to get a racing game with the kids.

[C]

I'm okay with that.

[B]

But we only wear it. We only use it in the summer. Yeah, but the Buying the phone would bother me. If you have an app that you're.

[A]

Playing a game crush, it's a borderline, like, addiction gambling. Sometimes with these games, Like, I think that that's why I put. I think the amount matters, how much you play matters, your obsession with this matters.

[C]

But my thing is, you're as an adult, if you have children and a spouse, you have no time. I'm telling you today, you don't have time. You don't have time.

[A]

Well, like, you know, she's reading her true crime novel. He gets into some Call of Duty. You know, I can see where the paths diverge at night into your hobbies.

[C]

But you're not spending time with Your spouse?

[B]

Well, she's reading the crime novel.

[A]

Yeah. You can't read together. That's weird.

[B]

But then. But then, here's the thing to me.

[A]

Is you want them reading a second book.

[B]

I don't want it in, like, the living room or your bedroom. Right. Are they playing?

[A]

That's a big deal.

[C]

That's what I'm.

[B]

Yeah. I don't know.

[A]

I just know a lot of guys I work with here that love video games, and so I'm being very kind.

[C]

I'm not. You don't want to be.

[A]

They're gonna watch this.

[C]

I put the kibosh on it every time.

[B]

Yes. She had bubble letters.

[A]

Yeah. Well, here's the caveat. I do think it matters if you're married and if it's like, you're neglecting your spouse.

[C]

Yes. Married with kids, Impossible.

[A]

But single guys.

[B]

Jade says no.

[A]

If it's in the budget, you're spending cash. It's a fun little hobby.

[C]

Yeah. You know, until you meet a woman.

[A]

That people like sports. And the amount of money they spend on their sports and hobbies is also insane. Insane.

[C]

No, I'm just gambling. Like, right up with that.

[B]

No, but. But sports in general. Like, if you're a golfer.

[C]

Oh. Oh, oh.

[B]

But in my head, that feels less like.

[C]

That's a hobby. It's a physicality.

[B]

Yeah.

[C]

You're. You're.

[B]

You're doing something. You're out. You're not staring at a screen like you're hunting. You're out with nature. You're. You know what I'm saying? Like, it can be the same amount, but there is something.

[A]

It's a healthier.

[B]

It's something childlike. That feels odd to me. Maybe seeing a grown. I don't know.

[C]

Sorry.

[B]

Anyone that I'm offending. Seeing a grown man, like, try to.

[C]

Like, it will never be me.

[A]

I will say on the last.

[C]

It's weird.

[A]

The guys got me playing the Nintendo Switch, and we played Mario Party all the way home. One of the guys in the room, we had a great time. He won't even make eye contact with me.

[B]

That's great.

[A]

We had a great time. Didn't we? He crushed us.

[B]

Okay, can I say this?

[C]

This.

[B]

We're done after this. I may get in trouble. I would almost find it more okay. Not okay. That doing like a. And I'll. And I'll go lie. I won't say sports betting, but I'll say, like a fantasy league. That's Bother me putting money towards a sport, which I still think is stupid because you can't control the game. Like, you're not playing the game or can you Versus a video game?

[C]

Because I think it's like, not an.

[B]

Imaginary world with forts and knights and roadblocks. I don't even know. I don't even know what's. I don't even know what they are.

[A]

Is that what Fortnite is about?

[C]

I don't know.

[B]

I don't know. But there's also, like, the roadblocks. I've heard that. Roadblocks.

[A]

Not roadblocks. Roadblocks.

[B]

Oh, I thought they like R O.

[A]

B, L O S. I thought it.

[B]

Like, blocked the road and you had to build the city around it. No.

[A]

All right.

[C]

I never played.

[B]

I've never played.

[A]

All right, we're gonna do a game night, guys.

[B]

Super controversial now.

[A]

Tony Hawk's pro skater. I will crush all of you in that all day long.

[B]

Now a race. Yeah, I don't know.

[A]

That's different.

[B]

If a child is.

[C]

I'm talking about the ones on your phone. That's like candy and stuff falling from the sky.

[B]

Yeah, yeah. Candy crush. Yeah, yeah, yeah.

[A]

There's something more sad about.

[B]

Oh, my gosh.

[A]

Okay. We had fun judging.

[B]

Yes.

[C]

I feel judgmental. Okay. I feel bad about that.

[B]

No, no, this is what. This is. This is what the show's for, though. Yeah, we're just.

[A]

That's what the show's for. For Rachel to vent her frustrations. Yes.

[B]

That's what we were. That's what we were wanting for the first place. Okay, George, we've been a little hard on the gamers out there.

[A]

I apologize.

[B]

I know. So if you need to, like, have a little self pity, you kind of need to be on the couch and kind of be a little depressed, then make sure you have a Cozy Earth blanket with you, because all Cozy Earth products will make you happy again. I'm telling you, whether it's the athleisure. I wore my Cozy Earth black sweatshirt to soccer.

[C]

Yep.

[B]

I had that with my kids. We went home. I had the Cozy Earth blanket. Got in my Cozy Earth pajamas to get in my Cozy Earth sheets. I mean, seriously, you guys, the quality of these products is phenomenal.

[A]

You just go from cozy to cozy, don't you?

[B]

I did. Oh, and my socks. I wore my Cozy Earth socks like a. Like a true Gen Z. They're a little high. They're not the ankle socks. They have a little height to them.

[A]

I went for the no shows from Cozy Earth. I might need to upgrade. I'll get there. Everything. The bamboo sheets are incredible. We sleep on those, the new cotton washed ones. Soft wash. So good. So here's my thing. Make home the best part of your life. That's right. It's not that hard with Cozy Earth. And if you want a sweet discount, you can get 20% off by going to cozyearth.com smart or just use the link in the description below.

[B]

Okay, so wrap it up. What's our teaching, would you say, George, for the episode?

[A]

You know, to each his own. But I don't want to hear you complain when you just know better. So that's, I think some of these pet peeves, you do it once, okay. But if you're not learning, you're not growing, you're not self aware about your habits and you're surrounding yourself with other people doing dumb stuff stuff, don't be surprised when you end up nowhere five years from now. So there's a piece of it where you have to continually grow because we've all done a lot of these stupid things on this list. But eventually you go, you know what? I want to be better. I want to know better, I want to do better, I want to be better financially. And so you have to grow. So these pet peeves were fun to talk about. I just hope you don't stay there.

[B]

And it points out some pain points for people when it comes to money because money is hard, right? And everyone has a story. And Jade, you and Sam, I mean, y' all paid off off. I mean, $460,000 of debt. There's a lot of emotion around it. Which is one reason why we're so excited. Because you wrote a new book.

[C]

I did.

[B]

I'm going to find. Ready for this?

[A]

Behind your chair, Sneak peek.

[B]

Boom, boom. Look at this.

[A]

What no one tells you about money from Jade Warshaw.

[B]

Okay, so tell us about it, Jade.

[C]

Yeah. You know, I think it's the reason I was a little bit more empathetic to some of these answers. Because I do think that when you're financially strapped, if you're going through a debt payoff or just a really hard financial time, you do dumb stuff and your emotions are leading you and it can be really tough to navigate that. And I know for Sam and I, in a seven and a half period, we probably, seven and a half year period, we probably made a lot of the mistakes, you know, that we wrote about on the boards today. But I wrote this book because changing your habits with money is not as easy as, you know, just a light switch. It really is something to work through. And all of us are met with different things, whether it's just the fear of change, not knowing what's on the other side, or guilt from making some of these bad decisions that we talked about. And so this really helps a person who understands, like, the logic of the numbers but is really struggling with just the emotional side of giving up a habit like. Like video games, not spending money on candy crush anymore because sacrifices. Right. Or not having a car payment anymore because you finally realize that, you know, you know the logic that it's keeping you from retirement or saving for kids college. But it's. It's very hard because it's a status symbol. Like, you talked about 100. So, yeah, this is the emotional side.

[B]

That we don't talk about, that no one talks about.

[A]

Everybody needs to get this. I was just texting a friend who was telling me about his financial problems. I said, I'll coach you. He said, well, just so you know, know, like, there's money stuff, but it's largely relational and emotional. And I said, emotional creatures rarely make the logical decision. And I think you unpack that in this book. So I'm pumped for this book. And it's out now, so make sure to get your copy. We'll drop a link in the description below. You're not gonna regret it.

[B]

All right, before we spill the tea on our guilty as charged segments, let's rate our drinks. I liked it, y'. All.

[A]

Finally a 10 out of 10.

[B]

I think I'm going 10 out of 10. Genuinely. I think it was so good.

[C]

It's my kind of drink.

[A]

All right, so this was a tequila old fashioned. I think Jade and Rachel both finished.

[C]

Delicious.

[B]

Did you? Oh, you didn't finish.

[A]

Well, I was busy working.

[B]

Okay.

[A]

Someone had to do it. It's a really delicious drink. If you like an old Fashioned with bourbon, you're gonna like this one. It's got reposado tequila, so slightly aged, a little bit of that smoky vibe. It's got some mezcal, black walnut bitters, orange bitters, agave nectar, and it comes out to $2.42.

[B]

Amazing.

[A]

Not bad. So beautiful for what you'd pay for this at a fancy cocktail bar. So good. Get the recipe in the description and make it this weekend and try it out if you're of age. Enjoy.

[B]

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

[C]

All right, yours is gone.

[B]

Here it is. I know we'll have to get the. Okay. Have you ever had a culinary mishap that cost you. You financially or otherwise?

[A]

Oh, wow.

[C]

A culinary mishap.

[A]

Yeah. Something happened in the kitchen.

[B]

It cost me my health. I. I had one of the worst. I don't want to get all graphic.

[A]

Okay.

[B]

Burns ever when I was cooking. This was like, two years ago, y'.

[A]

All.

[B]

It was horrible.

[C]

What'd you do?

[B]

I had a skillet. It was enchiladas, and you, like, make it all. And then you, like, use. Use the skillet on top of the oven to, like, do all the other stuff. And then you put it in the oven to bake at, like, 450. And I opened it to get it out. I wasn't even thinking. And I. And it took, like, three seconds for it to, like. And I. I think I threw. I mean, I think I, like, dropped it. Y', all, I have never had. I mean, it was. I had a sleep, which you're not supposed to do cold water, but I put my hand in cold water, and I would wake up every hour because it was just be burning. It was horrible, y'. All. That was probably the worst culinary mishap I've had. It was. I think I'd rather have stitches, honestly.

[C]

Yeah.

[B]

Than a burn hurt. Oh, it was horrible.

[A]

Well, let's compare stories then, Rachel, cuz mine involves stitches.

[B]

Oh, seriously?

[A]

Well, there you go on this thumb. Six stitches on this left thumb. I can no longer do a full hitchhiker's thumb. Camera catch that? Yeah. So there's my left almost. I cut like the nerd. Yeah. So I. I was in second grade, and I was opening Kool Aid Jammers, the six pack with that tight plastic around it.

[B]

Y.

[A]

And I didn't find anything except for a razor blade to open it with, and it just slid down the plastic, and I just sliced my thumb.

[C]

Oh, my gosh.

[B]

We have. People may be passing out.

[A]

Yeah. I apologize. But I was in the second grade, if it makes you feel better, you.

[C]

Had to get that jammer out of there.

[B]

That's horrible.

[A]

And I think that's why I'm not good at sports with my left arm. That's my excuse. Like, I think it messed up my. You know, the way I throw.

[B]

The way you. Yeah, you spiral.

[A]

No, my right arm. I'm Peyton Manning.

[C]

Oh, yeah.

[B]

Hey, but that left arms are real strong, so that.

[A]

That one. Yeah. That cost me my thumbs up. I'll never be able to thumbs up again. That could have been my money maker.

[C]

Oh, my gosh. Yeah.

[A]

Now it's just Like I don't know what you call this. Is this a hitchhiker's thumb? If it curls, I know that's a curling.

[B]

That's a weird genetic.

[A]

Can you go full?

[C]

I never had the genetic to begin with.

[A]

Oh, you're straight up.

[B]

Oh, yours are straight.

[C]

Great.

[B]

Mine are like a medium.

[C]

Yeah, good to know. It's like, it's like a genomic gene.

[B]

Can you do this?

[C]

Yeah.

[A]

No, I cannot do the Star Trek.

[B]

You can't?

[A]

No, no.

[C]

It's harder on this hand.

[B]

And I have my hand on this hand.

[A]

Good for you.

[B]

It's good.

[A]

What can't you do?

[B]

What can't I do?

[A]

She's the best date.

[B]

Any culinary mishaps?

[C]

I'm trying to think. I've never.

[A]

You're a pro in the kitchen.

[C]

I know myself like I. I burned myself recently, but it was just like a quick lights. Like it was not like a terrible one. Trying to think.

[A]

No oven fire. I never had to use the fire extinguisher.

[C]

I was a kid. I got food poisoning.

[A]

That wasn't your a fault of your own?

[C]

My mom gave us frozen pizza and we all got sick.

[B]

No, I love frozen pizza.

[C]

Yeah, we were.

[A]

I didn't know that could go bad.

[C]

Yeah, it was like tgif. Remember when we were kids teaching?

[B]

Yes.

[C]

My mom made a frozen pizza and.

[B]

By the time for step by step.

[C]

Step, yeah. By the time it was over and 2020 came on, we were sick.

[B]

No, it hit quick.

[C]

Hit quick.

[B]

Oh, that's not good. Yeah, no food.

[A]

Haven't had frozen pizza since, have you?

[C]

No, I still enjoy them to this day.

[A]

You got a favorite. Can you shout out your favorite frozen pizza?

[C]

Honestly, it's frozen. But the one at Whole Foods that you get, that's already made if you doctor it up.

[A]

So add some your own toppings.

[C]

Yeah. Well, I take it home and then I like add butter on the crust and like oregano.

[B]

Oh, oh, she makes it fancy.

[C]

Hold on. I'm going to tell you right now. If you put butter on the crust and sprinkle everything seasoning on it.

[B]

Yes.

[C]

Delish.

[A]

There you go.

[C]

Delish. So good.

[A]

All right, do it.

[B]

Maybe doing it at home for sure. Well, make sure to DM us your guiltiest charge questions. We love them. You can send to at Rachel Cruz or at George Camel. We're always on the lookout and if you enjoyed this episode, you will love the episode. Dave Ramsey answers your most asked questions. Another guest. We'll put a link for you and make sure to subscribe so you don't miss miss an all new episode of Smart Money Happy Hour. Cheers, George.

[A]

Cheers, Jay.

[C]

Thanks for coming on.

[B]

Thanks for handsome.