Smart Money Happy Hour with Rachel Cruze and George Kamel

🏠 Be prepared to buy or sell your home with ourReal Estate Home Base!

Ever wonder if you’re secretly missing out on moneymaking schemes that seem too good to be true? Today we’re unpacking the biggest (and most public) financial disasters in recent history.

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Today’s Happy Hour Special: 🍷 Full Moon Martini

Recipe by:@itscocktailhour_

· 1 1/2 ounces indigo gin

· 1 ounce crème de cassis

· 1 ounce grape juice

· 1/2 ounce simple syrup

· 1/2 ounce lime juice

Instructions: In a cocktail shaker, combine gin, crème de cassis, grape juice, simple syrup and freshly squeezed lime juice. Add ice and shake well. Strain into a chilled coupe glass. Top with some gold edible glitter and stir. Then add your full moon ice sphere!

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From first-class flights to in-home saunas, today we’re confessing whether we’d “bouge it or lose it” with the internet’s best list of bougie splurges. Join the fun and drop your honest thoughts in the comments!

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Today’s Happy Hour Special: 🍹 Dirt Road Martini

Recipe by:Allrecipes

· Ice as needed

· 2 ounces vodka

· 2 ounces unsweetened tea

· 1/4 ounce brine from Mezzetta Italian Mix Giardiniera

· Spanish Queen martini olives (pitted or stuffed), for garnish

· Vegetable pieces from Mezzetta Italian Mix Giardiniera, for garnish

Instructions: Combine vodka, tea and brine in an ice-filled mixing glass. Stir well to chill. Fill a lowball or rocks glass with ice. Strain martini over ice. Garnish with olives and vegetable pieces.

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🏠 Check out theMortgage Calculator!

Comment section check! That’s right—we’re fearlessly addressing your questions, comments and criticisms . . . all in the name of your financial future (and also just for fun!).

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Today’s Happy Hour Special: 🍹 Apple-rol Margarita

Recipe By:@cocktailswithval

· 2 ounces tequila

· 1 ounce Aperol

· 1 1/2 ounces apple cider

· 1 ounce lime juice

· 1/2–1 ounce agave

· garnish: thyme, apple slices and a sugar or salt rim

Instructions: In a shaker, add Aperol, tequila, apple cider, lime juice and ice, then shake. Grab a glass and coat the rim with agave and salt or sugar, then add ice. Pour the shaken drink into your salted rim glass. Garnish, serve and enjoy!

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💻 Wondering how you’re actually doing with money?Find out where you stand.

Since everyone’s “doing their own research” these days, we decided to match that energy and dig into the psychology of money and why humans tend to overspend.

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Today’s Happy Hour Special: 🥃 Maple Old Fashioned

Recipe by:@thesocialsipper

· 2 ounces bourbon

· 1/4 ounce pure maple syrup

· 2 dashes Angostura bitters

· 2 dashes orange bitters

· Orange peel

· Cocktail cherry, like Griottines or Luxardo

Instructions: In a rocks glass, combine bourbon, maple syrup, Angostura bitters and orange bitters. Stir to combine. Add a large rock of ice and stir until chilled. Twist the orange peel above the drink to express citrus oil, then run the peel around the rim of the glass and add to the drink. Garnish with a cocktail cherry.

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💻 Take the Side Hustle Quiz here!

If you can’t beat ’em, follow them? Today we’re reacting to the biggest social and spending trends of 2026—let us know in the comments if the algorithm “got ya” with these, because this list definitely has range!

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Today’s Happy Hour Special: 🍹 Peach Basil Tingle Mocktail

Recipe By:@themindfulmocktail

· 2 ounces peach purée

· 1 ounce lemon juice

· 6–8 basil leaves

· 1/2 teaspoon honey

· Kombucha or soda to top

Instructions: In a small dish, combine the honey with 1/2 teaspoon water and microwave for 5–10 seconds to create a quick honey syrup. Add peach purée and lemon juice to a shaker. Toss in the basil leaves and gently muddle. Add the honey syrup to the shaker with ice, then shake well. Strain over fresh ice and top with kombucha or soda. Garnish with basil if desired and serve cold.

*To make the peach purée:

Blend 3 tinned peach slices with 1–2 tablespoons of the liquid from the tin. Fresh, ripe peach works too—just blend with a splash of water until smooth.

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💵 Check out this articleHow Much You Should Tip in Common Situations.

Here’s one for your next family dinner: Tipping in 2026—you have feelings, we have feelings, and at this point, the social expectations are changing by the day! It’s time to set the record straight.

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Today’s Happy Hour Special: 🍷 Cherry Aperol Spritz

Recipe By:@cocktails

· Fresh cherries

· 2 ounces Aperol

· 2 ounces prosecco

· 1 ounce club soda

Instructions: Crush and strain cherries into glass. Pour 2 ounces of Aperol in glass. Add crushed ice. Pour 2 ounces of prosecco into glass. Pour 1 ounce of club soda into glass. Garnish with a cherry on top. Serve and enjoy!

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💵 Check out theInvesting Calculator!

A family trip to the movies can easily cost $80 these days; it’s rough out there! Today we’re talking about the reality of inflation . . . but in a fun way, we promise.

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Today’s Happy Hour Special: 🍹 Peach Julep

Recipe By:@Cocktails

· 6 mint leaves

· 2 tbsp. diced ripe peach

· 1/2 tsp. simple syrup

· 1 ounce peach puree

· 1.5 ounces whisky

· Fresh mint and peach slice for garnish

Instructions: Put 6 mint leaves, 2 tbsp. diced ripe peach, and 1/2 tsp. simple syrup in a glass and muddle. Pour 1 ounce peach puree and 1.5 ounces whisky in glass. Add ice. Then stir. Garnish with fresh mint and a peach slice. Serve and enjoy!

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❓ Have a money question?Ask Ramsey is here to help!

Have you ever read an “opinions are my own” disclaimer in someone’s social media bio? That’s the vibe of today’s episode. Today we’re confessing (and explaining) some of our most “non-Ramsey” financial takes.

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Today’s Happy Hour Special: 🍷 Blackberry Gin Sour

Recipe byMint & Twist

· 2 ounces London dry or floral gin

· 3/4 ounce fresh lemon juice

· 3/4 ounce blackberry simple syrup

· 1 egg white, optional for foam

Instructions: Chill a coupe glass in the freezer or fill it with ice while you make the drink. Add the gin, blackberry syrup, lemon juice and egg white to a cocktail shaker without ice. Shake hard for 15 seconds. Add a generous handful of ice and shake again for 15 seconds until well chilled. Tip the ice from the coupe glass and strain the cocktail in. Garnish with fresh blackberries on a skewer.

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💵 Create a free budget and find more margin withEveryDollar.

This one goes out to ole Murphy and that pesky little law of his. (If you know, you know!) Today we’re rating your worst-case scenarios and proving why everyone needs an emergency fund.

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Today’s Happy Hour Special: 🥃 Salty Dog

Recipe byLiquor.com

· 1 1/2 ounces gin or vodka

· 3 ounces grapefruit juice, freshly squeezed

· Garnish: salt rim

· Garnish: grapefruit slice

Instructions: Wet the rim of a highball glass and dip it in coarse salt. Fill the glass with ice, then add the gin (or vodka) and grapefruit juice, and stir gently to combine. Garnish with a grapefruit slice. Serve and enjoy!

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💵 Create a free budget and find more margin withEveryDollar.

When it comes to life and money, we’re full of hot takes. Join us for a nostalgic trip down memory lane as we revisit some of our most hilarious (and unhinged) financial advice episodes.

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Today’s Happy Hour Specials:

· 🍸 Tequila Manhattan Recipe:Liquor.com

· 🥧 Caramel Apple Pie Mocktail Recipe:Merry About Town

· 🥃 Aperol Tequila Sour Recipe:@cocktails

· 🍹 Cherry Basil Smash Recipe:BevsByBeverly

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The “F” in our guest’s name stands for “Fun”—and boy did we have all the fun talking money, relationships, hot takes and more with Annie F. Downs. This one feels like a party, so stick around!

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· 📗 Check out Annie’s new bookDon’t Let That Hold You Back.

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Today’s Happy Hour Special: 🍹 Shirley Temple

Recipe by:bakingbeauty

· 1.5 tablespoons grenadine

· 1 cup Sprite or club soda

· 1 teaspoon maraschino cherry juice (optional)

· Maraschino cherries for garnish

Instructions: Pour grenadine into a large glass. Add a dash of cherry juice. Fill glass with ice and top with soda. Garnish with maraschino cherries if desired. Serve and enjoy!

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💻Take the Side Hustle Quiz here!

We all need a little wiggle room in the budget from time to time. Today, we’re reacting to the internet’s latest side hustle quests. Plus, we’ll teach you how to find out which part-time gigs are your perfect match.

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Today’s Happy Hour Special: 🥃 Golden Vale

Recipe by:@the.sauceress

- 2 ounces Powers Irish Whiskey

- 3/4 ounce ginger liqueur

- 1/2 ounce lemon juice

- 1/2 ounce honey syrup

- 2 dashes aromatic bitters

- Several sprigs of basil leaves

Instructions: Add lemon juice and basil leaves to a cocktail shaker. Muddle into a pulp. Add all additional ingredients. Shake with ice. Fine strain into a rocks glass over several large pieces of cracked clear ice. Garnish with a dried lemon wheel and a sprig of basil. Serve and enjoy!

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Get your ticket forInvesting Essentials today!

If you’ve ever wondered what phrases like “clock the tea” or “rice and beans” mean—today’s episode is for you. We’re decoding trendy and financial slang (and of course, addressing the haters along the way!)

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Today’s Happy Hour Special: 🥃 Italian Greyhound

Recipe By:nikki.sips

· 1.5 ounces vodka or gin

· 3/4 ounce Aperol

· 1 ounce freshly squeezed grapefruit juice

· 1/2 ounce simple syrup

· Grapefruit soda, to top

· 2 grapefruit wheels

· 1 sprig of thyme

Instructions: Prep your glass by lining with grapefruit wheels and filling with ice—set in the freezer while you prepare your cocktail. In a shaker, combine spirit, Aperol, simple syrup, and grapefruit juice. Shake with ice for 8 seconds and strain into prepped glass. Top with grapefruit soda and garnish with a sprig of thyme.

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📙 Check out George’s bookBreaking Free From Broke.

Taste tests, TikTok trends, a little friendly competition—today may be all about “dupe” culture, but don’t worry, this episode is the real deal as always. You don’t want to miss it!

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Today’s Happy Hour Special: 🍸 Strawberry Kiwi Smash

Recipe By:cocktails

· 1/2 kiwi, peeled and diced

· 3 small strawberries, diced

· 2 ounces vodka

· Juice from half a lime

· 3/4 ounces simple syrup

· Club soda or flavored seltzer for topping off

· Diced strawberries and kiwi for garnish

Instructions: Muddle fresh kiwi and strawberries in glass, add vodka, add juice, add simple syrup, shake with ice, pour over ice, then top with club soda. Stir, garnish with diced strawberries and a kiwi slice, serve, and enjoy!

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💵 Create a free budget and find more margin withEveryDollar.

If every product is “life-changing” then no product is life-changing. We’re calling consumerism’s bluff by judging wellness and lifestyle fads that are overhyped.

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Today’s Happy Hour Special: 🍹Cucumber Mint Refresher

Recipe By:mocktailswithlilly

· 2–3 ounces fresh cucumber juice (see notes below)

· .75 ounces simple syrup or agave

· 3–4 mint leaves

· Lime sparkling water

· Ice

· Mint and cucumber ribbons for garnish

Instructions: Muddle mint with simple syrup. For the cucumber juice, blend chopped cucumber with some water, then fine strain. You can also sub muddled cucumber for a blend-free version! Add cucumber juice, shake, and strain into a glass over ice. Top with sparkling water and enjoy!

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🎟️ Get your ticket forInvesting Essentials today!

When it comes to money, is boring always best? From everyday internet scams to rare lottery success stories, today we’re blind ranking the good, the bad and the just plain dumb of investing.

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Today’s Happy Hour Special: 🍾 French Blonde

Recipe By:Join Jules

•

2 ounces fresh grapefruit juice

•

2 ounces Lillet Blanc

•

1 ounce gin

•

1/2 ounce elderflower liqueur

•

3 dashes lemon bitters

Instructions: In a cocktail shaker, add all ingredients. Add ice and shake. Double strain into a chilled coupe or Nick and Nora. Garnish with a grapefruit slice!

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✅Connect with one of ourRamsey Trusted providers.

Sure, the world feels like it’s on fire, but hear me out: What if you’re doing better financially than you think? Consider today’s episode the unexpected reset you need!

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Today’s Happy Hour Special: 🍾 Sauv Blanc Spritz

Recipe By:cheesegal

- 3 ounces sauvignon blanc

- 1 ounce elderflower liqueur

- 1 ounce fresh lemon juice

- Lemon seltzer water

- Lemon wheels, for serving

Instructions: In a glass filled with ice, add the sauvignon blanc, elderflower liqueur and fresh lemon juice. Top with lemon seltzer water and stir. Garnish with lemon wheels. Serve and enjoy!

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💰 Find extra money in just two weeks with ourMoney Finder Challenge!

Whether you love or hate frugal living, this one’s for you! We’re exposing common frugal “hacks” that secretly drain your bank account. Tune in to make sure you’re not sabotaging your budget.

Next Steps:

· 🎙️ Catch our episodeOld School Money Habits Making a Comeback? (We Have Thoughts)

· 🍸 Follow Smart Money Happy Hour on TikTok:@smartmoneyhappyhour

· 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

· 💵 Create a free budget and find more margin withEveryDollar.

Connect With Our Sponsors:

· Check out theFAIRWINDS Credit Union exclusive account bundle.

· Get 20% off when you joinDeleteMe.

· Get up to 40% off the exclusive bundles with code SMARTMONEY atCozy Earth.

Today’s Happy Hour Special: 🍉 Watermelon Mint Mocktail

Recipe By:olivianoceda

· 1 lime

· Dash of maple syrup

· 1/4 cup fresh watermelon

· 1 ounce lime sparkling water

· Fresh mint

· Ice

Instructions: Slice half of your lime into wedges. Squeeze 4 wedges into your glass. Add a dash of maple syrup, 0.5–1 ounce of lime juice (depending on how tart you want it), 1 ounce of sparkling water. Add watermelon cubes and muddle. Then, take a handful of mint and slap it between your hands 6–8 times. Rub it on the rim of the glass and add it to the drink. Add ice. Top with sparkling water. Mix and enjoy!

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📚 Grab a copy of George’s book,Breaking Free From Broke!

At what point does “treat yourself” become a line item in the budget? Today we’re talking about “splurging responsibly” and how to strategically upgrade in your wealth-building journey.

Next Steps:

· 🎙️ Catch our episodeAre These Common Money Habits Broke, Average or Wealthy?

· 🍸 Follow Smart Money Happy Hour on TikTok:@smartmoneyhappyhour

· 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

· 💵 Create a free budget and find more margin withEveryDollar.

Connect With Our Sponsors:

· Check out theFAIRWINDS Credit Union exclusive account bundle.

· Get 20% off when you joinDeleteMe.

· Get up to 40% off the exclusive bundles with code SMARTMONEY atCozy Earth.

Today’s Happy Hour Special: 🧨 4th of July Mocktail

Recipe By:mocksontherocks

· 2 ounces grenadine

· 2/3 Sprite or lemon-lime soda

· Splash of blue Gatorade

Instructions: Add grenadine to a glass, then fill glass with ice. Fill 2/3 of glass with Sprite and top with blue Gatorade.

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💰George Kamel

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💸The Ramsey Show Highlights

🧠The Dr. John Delony Show

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💰 Find extra money in just two weeks with ourMoney Finder Challenge!

We’ve all fallen for a scheme or two on our worst day, but the important question is: How much of your hard-earned cash is still being snatched by these common money wasters? Stay tuned to find out!Next Steps:

· 🎙️ Catch our episodeFinancial Experts Rank the Worst Spending Habits

· 🍸 Follow Smart Money Happy Hour on TikTok:@smartmoneyhappyhour

· 📱 Submit a Guilty As Charged question for Rachel and George! Leave us a voicemail with your question at 877-306-1517 or send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.

· 💵 Create a free budget and find more margin withEveryDollar.

Connect With Our Sponsors:

· Check out theFAIRWINDS Credit Union exclusive account bundle.

· Get 20% off when you joinDeleteMe.

· Get 20% off with code SMARTMONEY atCozy Earth.

Today’s Happy Hour Special: 🍹🌼 Gin Daisy

Recipe by:Kristiwithatwist

· 2 ounces gin

· 0.75 ounces orange liqueur

· 0.75 ounces lemon juice

· 0.25 ounces grenadine

· club soda

Instructions: Add gin, orange liqueur, lemon juice, and grenadine to a cocktail shaker filled with ice and shake. Strain into a glass over ice and top with club soda.

Explore More From Ramsey Network:

💰George Kamel

🎙️The Ramsey Show

💸The Ramsey Show Highlights

🧠The Dr. John Delony Show

📈EntreLeadership

Ramsey Solutions Privacy Policy

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