transcript
Speaker 1:
[00:00] If you love 90s nostalgia or you just hate change, you are in luck, because the old school way of life is trending, and when it comes to your money, we 100% agree.
Speaker 2:
[00:08] 80s, 90s.
Speaker 1:
[00:09] Which feels like 20 years ago.
Speaker 2:
[00:11] But it ain't. We overparent in the physical world and underparent in the digital world.
Speaker 1:
[00:16] Throw them under the bus.
Speaker 2:
[00:17] I want to like it, though. That's what's happening. Hey, guys, I'm Rachel Cruze.
Speaker 1:
[00:26] I'm George Kamel.
Speaker 2:
[00:27] And this is Smart Money Happy Hour. George Kamel. Don't you not cheers me.
Speaker 1:
[00:42] I didn't have the arm strength. I got excited.
Speaker 2:
[00:45] I went an extra 60. I told myself, I said, Rachel, make sure to reach and then you didn't even give me a way.
Speaker 1:
[00:52] Can you guys tell on camera, is that even 50%?
Speaker 2:
[00:55] Do what? No, no, no. Go back. I was going to go. Whoa.
Speaker 1:
[01:00] I've never seen you this far in the shot. It's like a 3D movie. I'm like, it's too close.
Speaker 2:
[01:06] Very much intentional. I don't always think during that time. And then friendship rejected.
Speaker 1:
[01:11] Cheers.
Speaker 2:
[01:13] This is great though.
Speaker 1:
[01:14] Honestly, I was just so excited about the drink.
Speaker 2:
[01:16] I know. Well, this is the show where two friends who have to be money experts talk about what you're talking about. Everything from pop culture, current events and money.
Speaker 1:
[01:23] But first and foremost, the drink.
Speaker 2:
[01:26] Very important apparently. More important than our friendship, but it's fine.
Speaker 1:
[01:29] Well, it's such a fascinating drink. We're sipping on a Dr Pepper Margarita. And it's exactly what you think it would be and yet so much more and yet not enough. It's a very confusing drink. We're going to give you our rating and reveal the cost per glass at the end of the episode. You don't want to miss that.
Speaker 2:
[01:45] Oh, I like it. Okay, George, I don't know if you know this, but society, everyone's kind of going back to the basics in life. It's kind of a trend happening right now.
Speaker 1:
[01:55] Like Little House on the Prairie? How far back are we going?
Speaker 2:
[01:57] And that's pretty far. Let's go back just like 80s, 90s.
Speaker 1:
[02:01] Okay, which feels like 20 years ago.
Speaker 2:
[02:05] I know, but it ain't.
Speaker 1:
[02:06] It's not.
Speaker 2:
[02:07] Is that how weird, do you do that math too? In my head, if someone's like 1980s, I'm like, oh, 20 years ago. 40 years ago.
Speaker 1:
[02:14] 86 to 26 is 40 years.
Speaker 2:
[02:16] Is that not wild? That's crazy.
Speaker 1:
[02:19] Which makes sense because we were both born in the 80s, and yet we know our ages and it still feels like it was more recent than that.
Speaker 2:
[02:26] Oh, very much so. So bizarre. So bizarre. But anyways, but yeah, everyone's kind of going back a little bit. I mean, everything from housing styles, right? Your interior design to clothing, to even money habits. People are kind of trending back and I like it.
Speaker 1:
[02:42] I like it too. It's called Out With the New, In With the Old. I like the name.
Speaker 2:
[02:48] Switch it up.
Speaker 1:
[02:48] I saw a video that I think kind of helps sum it up. Would you watch it with me?
Speaker 2:
[02:52] I would love to.
Speaker 1:
[02:53] And the people at home will make sure to put this clip up there. Here we go. I love when I get to pull my phone out during an episode.
Speaker 2:
[02:58] Oh, it's the best.
Speaker 1:
[02:58] It feels like I'm in class and my teacher's like, you can pull out the phone.
Speaker 2:
[03:01] You can pull out the phone.
Speaker 1:
[03:02] Okay. Here we go.
Speaker 2:
[03:03] Let me see. Starting out strong with open concept homes. Those are new. We're kicking them out. The outside world already feels like a stale old asylum. George, we don't need our homes going that way. We want character. We want charm. We want cottage. We want vintage. We want colonial. We're bringing back old school health benefits. We're not buying the new gadgets that are coming out. We're not buying the vibration plates. We're not buying all these things. Go outside. You have arms and legs at work. Go do some jumping jacks. Go do some cartwheels. Whatever you got to do, get the sun in your face. Maybe take some protein, some fiber. We are not doing what all the new influencers are saying because our bank accounts say no. We're laughing now. We love this. We're not doing this new sensitivity training. My feelings matter more than reality.
Speaker 1:
[03:44] It doesn't.
Speaker 2:
[03:44] The new saying is suck it up, butter cut. We're going back to the old way. The new way is completely draining us. Speaking of that, we're out with modern therapy. What? We're done with the word therapy.
Speaker 1:
[03:56] We don't need it. We're going back to the old way.
Speaker 2:
[03:58] We're getting in smaller villages. We're getting in stronger, solid biblical churches. That's what we're getting. Out with the new, in with the old. We're done with AI.
Speaker 1:
[04:07] Oh.
Speaker 2:
[04:08] We're done with it. It's new. Maybe it can advance things, but here's my philosophy. It's not going to be done though, girl. I hate to say it to you. Something that doesn't have a soul should not be feeding our souls. All the breaking news, we're done with it. We're out with it. We're going to get back in our small villages. We're going to know what's actually going on with our neighbors, with our small churches, with our community. We're going to invest there, and we're going to shut off the outside world. We weren't made to know everything.
Speaker 1:
[04:32] So say it with me.
Speaker 2:
[04:34] In with the old, out with the new. Wow.
Speaker 1:
[04:40] It was a lot there.
Speaker 2:
[04:41] Well, we went from cottage living to AI taking our souls. Even though I don't like AI, I don't like the girl you talk to on your phone.
Speaker 1:
[04:52] Feeding my soul is not what I'm looking for from AI.
Speaker 2:
[04:55] I agree. I agree. I'm not, but some people might be. Have you seen the robots that are being built that look like humans? Have you seen this?
Speaker 1:
[05:03] Are they accurate? Like they look like a human being?
Speaker 2:
[05:06] It's, I'm just telling you.
Speaker 1:
[05:07] Not like Elon's robots.
Speaker 2:
[05:09] I don't know who they are.
Speaker 1:
[05:10] They don't look like.
Speaker 2:
[05:11] It came up on my feed. I don't know, but she had like a face, like a real crazy. So I'm with parts of this, 100%. I do think, yes, we miss the neighbors, you know? And I've heard people talk about this. Like you don't ask for rides anymore to the airport. You call an Uber. There's a level of our souls, I think, do die when you're like, okay, I just want to be with people.
Speaker 1:
[05:34] We've isolated ourselves. We don't want to be a burden. We don't want to annoy people.
Speaker 2:
[05:37] That's right.
Speaker 1:
[05:38] We want convenience over everything.
Speaker 2:
[05:40] Yes. So I think a lot of that is true. I do think we can't hold everything. We're not supposed to know what's happening all over the globe at any moment. Like we can't, I don't think our, yeah, our anatomy can't hold that.
Speaker 1:
[05:50] Well, now you're hated if you don't care as much about, I do, about the thing that I'm angry about.
Speaker 2:
[05:55] That I think about. Yes, I know. I agree with that. I know, I know. But back to the housing thing, George.
Speaker 1:
[06:01] Yeah.
Speaker 2:
[06:02] Oh man. Heard from. I've been seeing some aesthetics though. That are beautiful. And it does, it looks like 90s homes again. Like you have your smaller rooms, cozy, darker colors. It's warm. I could do it. I could do it.
Speaker 1:
[06:16] You could.
Speaker 2:
[06:17] Yeah.
Speaker 1:
[06:17] All right, you heard it here first, folks. She's selling the house, moving to a little cottage.
Speaker 2:
[06:22] A little reno.
Speaker 1:
[06:23] We went last weekend and my wife loves like the vintage, antique stuff.
Speaker 2:
[06:28] Yes.
Speaker 1:
[06:29] And we bought some pieces that are like from, I don't know, a different time. A different time.
Speaker 2:
[06:35] It's beautiful.
Speaker 1:
[06:36] You know, you smell it and you go, yeah, that's a different time.
Speaker 2:
[06:38] So like a true antique. It does like, it's not new but looks antique.
Speaker 1:
[06:41] They felt like it was worth the money. This is not like a good wheel in antiques.
Speaker 2:
[06:47] This is like, this was scoured across the globe.
Speaker 1:
[06:50] Yes.
Speaker 2:
[06:51] Antique Roadshow. Great show.
Speaker 1:
[06:53] I'm like, I think royalty must have owned this at one point. You'd be charging these prices.
Speaker 2:
[06:58] Can I ask?
Speaker 1:
[06:58] Yeah.
Speaker 2:
[06:59] Upwards of like more than 500?
Speaker 1:
[07:01] Yeah.
Speaker 2:
[07:02] Over a thousand?
Speaker 1:
[07:03] Yeah.
Speaker 2:
[07:04] Oh my jeez. You could not go high enough. Whitney, his wife has such good style.
Speaker 1:
[07:08] But it is very tasteful and she deserves it. So now we have this beautiful two antique lamps on this beautiful sort of bureau. I'll show you a picture. You're gonna love it.
Speaker 2:
[07:18] You're gonna love it.
Speaker 1:
[07:19] That's to say, my wife is very much in with the old.
Speaker 2:
[07:24] With the old, yes. What do you think about like parenting styles? Like where you would just go roam the neighborhood and you wouldn't know where the kids are.
Speaker 1:
[07:33] I do miss that. And there was no phones. Like I'm almost shocked that my parents just let me. Like I would take a train into downtown Boston, skate all day and then I would just be back. They would just trust.
Speaker 2:
[07:45] How old?
Speaker 1:
[07:46] 14.
Speaker 2:
[07:47] Really?
Speaker 1:
[07:48] Yeah.
Speaker 2:
[07:48] Yeah, that's intense. Public transportation.
Speaker 1:
[07:51] That's a wild one.
Speaker 2:
[07:52] For a 14 year old, just to jump in.
Speaker 1:
[07:54] And I mean, I probably maybe had my first little tiny flip phone where they could call or like you borrowed someone's. I mean, I remember going to pay phones and calling my family.
Speaker 2:
[08:01] For sure. Absolutely.
Speaker 1:
[08:02] Simpler times.
Speaker 2:
[08:03] Simpler times.
Speaker 1:
[08:04] And now we need to track our kids at all times and they better be in before the sun sets. I will be that dad.
Speaker 2:
[08:11] Why? I know. Why are we like that?
Speaker 1:
[08:13] Do I think we know too much?
Speaker 2:
[08:15] I think that's it too. It's back to the knowing too much information. We know too much, you know?
Speaker 1:
[08:19] And your algorithm will scare you into being like, you shouldn't let your you're a terrible parent if you let your kids stay.
Speaker 2:
[08:24] I did. I let my kids walk to school one day and because we're pretty close to our school and I posted it. That's how the story.
Speaker 1:
[08:29] No.
Speaker 2:
[08:30] Just on a story. I think I was and I was driving to work. I was driving by them and there are the three of them down. And it's a full sidewalk like kids bike and scoot. I mean, it's a very like walkable area where we live, especially for elementary school.
Speaker 1:
[08:41] They're not like in a remote forest.
Speaker 2:
[08:43] No, no. But in the shot, there was nobody, which I remember thinking, oh, okay, I'm going to take a quick video of them. And that's so cute. It's just them. Anyways, I put it on my stories and I just said like, oh my God, you know, them walking in school. I don't even know what I said. I got more-
Speaker 1:
[08:57] Roasted? Yes.
Speaker 2:
[08:59] How I'm negligent. How could you put your kids' faces on social medias and then let them be by themselves? Like all this stuff. And I was like, okay, well, number one, if I had just panned the camera this way, I would have seen 20 other people around walking to school and kids biking on their own, you know, but yeah.
Speaker 1:
[09:15] They thought this was going to be an episode of 60 Minutes.
Speaker 2:
[09:17] I don't know, but I thought, oh my gosh, we literally, that's it. We overparent in the physical world and underparent in the digital world. That is not my quote. That was from the Anxiety Generation book. I will not take that quote.
Speaker 1:
[09:30] That's a great quote.
Speaker 2:
[09:30] But yeah, people just throw their kids an iPad or an iPhone and like, here, good luck. God forbid, you walk down to the neighbor's house and you know what I mean? Like, no, no, it should be flipped.
Speaker 1:
[09:41] Well, this is perfectly into the next one. Treating processed foods like the sixth love language and forcing kids to finish every bite of it at dinner.
Speaker 2:
[09:47] Yes, the Claim Plate Award.
Speaker 1:
[09:49] I don't remember looking at ingredients when we were young or our parents looking at ingredients.
Speaker 2:
[09:53] No, no.
Speaker 1:
[09:54] And some boxes, you can see the cereal boxes and it's like, well, it was simpler ingredients back then.
Speaker 2:
[09:58] I do wonder, is that true?
Speaker 1:
[09:59] But also we ate like lard and Kool-Aid and that was our meal. So I'm like, we ate toaster strudels all day.
Speaker 2:
[10:05] We ate sweet tea y'all every night for dinner in this like yellow pitcher. Old school jug. Old school sweet tea. I mean, sugar. I mean, and we would-
Speaker 1:
[10:14] That's a good woman right there.
Speaker 2:
[10:15] Down sweet tea almost every night at dinner. But then you had to clean your plate. I remember sitting there and I wouldn't. And I'd sit there till like 8.30 cause I was so stubborn. They're like, you're not getting up until, yes, you had to finish.
Speaker 1:
[10:29] I love that attitude.
Speaker 2:
[10:31] Do you? That's exhausting.
Speaker 1:
[10:33] I'm a clean plate club kind of guy. I don't put on more on my plate than I know I can finish.
Speaker 2:
[10:37] Oh gosh, you would hate, this is why we can't double date, George.
Speaker 1:
[10:41] Cause Rachel's like, I'll take all the apps.
Speaker 2:
[10:43] I did, I ordered five appetizers when we went out with Winston's brother and his wife last weekend to a great Italian spot in Nashville. I mean, it was artichinis. I was like, I love that, Kelmer, I love that. And they had a pizza in the apps, which is like, well, duh.
Speaker 1:
[10:58] That's a meal.
Speaker 2:
[10:59] You can't put that on the app, can you? I know, well, I don't care. I ordered five appetizers. And I was like, it's okay, we'll have leftovers, you know? And we did, because everything came out a lot. And I was like, maybe we shouldn't order dinner.
Speaker 1:
[11:09] Did you eat all the leftovers?
Speaker 2:
[11:12] No, George. No, I did not.
Speaker 1:
[11:15] You weren't excited about it the next day, were you?
Speaker 2:
[11:16] Who wants to eat calamari the next day?
Speaker 1:
[11:18] That is a bold move.
Speaker 2:
[11:20] Sketchy, sketchy.
Speaker 1:
[11:21] I'll give you that.
Speaker 2:
[11:22] So anyways, I'll just say, I am a classic. Eyes bigger than the stomach. But it's so fun.
Speaker 1:
[11:29] I just got roasted on Instagram because I posted gluten-free cheez-its. I was very excited. They were hard to find.
Speaker 2:
[11:34] Oh, I'm very happy for you.
Speaker 1:
[11:34] I finally got my hands on a box.
Speaker 2:
[11:35] Why'd they get mad?
Speaker 1:
[11:36] This lady replied and said, wow, way to poison your body. Maybe check the ingredients before you. And I was like, lady, listen.
Speaker 2:
[11:44] My gosh.
Speaker 1:
[11:45] Nobody's policing my snack choices except for me and maybe my wife.
Speaker 2:
[11:49] And you guys are healthy. And Whitney's very-
Speaker 1:
[11:51] I'm doing great. I just got my physical.
Speaker 2:
[11:54] All right?
Speaker 1:
[11:54] You worry about your own self, lady. Anyway, she apologized after I called her out on it.
Speaker 2:
[11:58] No, she didn't.
Speaker 1:
[11:59] Yeah.
Speaker 2:
[11:59] Stop it.
Speaker 1:
[12:00] She was like, oh, I didn't-
Speaker 2:
[12:01] Wait, wait. When did you call her out? Did you DM her back?
Speaker 1:
[12:02] I confronted her in the DM.
Speaker 2:
[12:05] No, you didn't.
Speaker 1:
[12:05] Yeah.
Speaker 2:
[12:06] Give me the details.
Speaker 1:
[12:07] If you DM me trying to spew that hatred, I will not stand for it.
Speaker 2:
[12:11] I got hate. Should I DM someone back?
Speaker 1:
[12:14] Well, you know what? Here's the hack. And I think, was it Annie F. Downs or Carlos Whitaker?
Speaker 2:
[12:19] Yes.
Speaker 1:
[12:20] John Delony, they all agreed to this.
Speaker 2:
[12:22] Yes.
Speaker 1:
[12:22] You respond with a voice memo.
Speaker 2:
[12:24] Okay, I'm about to do it.
Speaker 1:
[12:25] Responding to them.
Speaker 2:
[12:26] Should I do it?
Speaker 1:
[12:27] And it disarms the situation every time. All right, read the-
Speaker 2:
[12:30] Mine was, we had a warm weekend this past weekend in Nashville. So my kids swim in a pool. And I just thought, this is really sweet and pretty. And our Tennessee flag was flying at a great angle.
Speaker 1:
[12:41] Yeah, I saw the photo. The great angle.
Speaker 2:
[12:43] And I thought, oh, that Tennessee flag looks good in there, too. Not gonna lie. Yeah. And I said, oh, that's sweet. So I just did. I was like, I, you know-
Speaker 1:
[12:49] Capture the moment.
Speaker 2:
[12:50] Yeah, and I just put up on stories. I try to be active a little bit, just like, you know, cool. So you're rich and have a pool. Super interesting how tone deaf can someone be. Okay, what should I say back? What should I say back?
Speaker 1:
[13:04] I mean, there's no good response to that, but I want to see you try live.
Speaker 2:
[13:11] Hey, Jonathan, so sorry that my pool picture was so triggering to you. So I apologize if that was tone deaf. I will make sure that my backyard is concealed in upcoming photos.
Speaker 1:
[13:24] I just sent it.
Speaker 2:
[13:26] You sent it? Just sent it. Oh, maybe, oh, I should have said, you can unfollow me, because he follows me.
Speaker 1:
[13:32] The old you should have said.
Speaker 2:
[13:33] Oh, okay, so I'm going to do one more. Okay, actually, I realized that the summer's coming up and I do post my life, so I probably will post some photos of it. So if that is, you can unfollow me. I totally get it. So don't worry. And yep, hope you're having a great day.
Speaker 1:
[13:49] Nailed it. If he responds, I found mine. Can you guess her name?
Speaker 2:
[13:55] Mine was Jessica.
Speaker 1:
[13:56] No. Oh. Think older.
Speaker 2:
[13:59] Karen.
Speaker 1:
[14:00] Patty.
Speaker 2:
[14:01] Oh.
Speaker 1:
[14:02] Really? You better read the ingredient label with an A instead of an E there.
Speaker 2:
[14:06] Oh, she misspelled it.
Speaker 1:
[14:08] If you're smart enough to control your money, you should be able to control what poisons you put in your body. Sorry, George. I said, appreciate the concern. I manage my finances and my health just fine. Don't have time or interest in strangers policing my snack choices. Cowboy hat emoji, my favorite massive aggressive emoji. She said, oh darn, I didn't mean to interfere that way or give you that impression. Please forgive me.
Speaker 2:
[14:29] No, she didn't. Do you think Jonathan's not going to ask for forgiveness?
Speaker 1:
[14:32] I love Patty. I think Patty.
Speaker 2:
[14:34] Look at you and you just got a fan.
Speaker 1:
[14:35] I just got a fan. I don't know if she's a fan, but I hit the heart button on it. I didn't respond, but I thought, I see you not ready to apologize, to accept your apology.
Speaker 2:
[14:44] This is a fun game. This should be a new segment of the show, George. We respond to the haters. I think that's great.
Speaker 1:
[14:51] But then there's going to be sending us hate hoping we'll respond.
Speaker 2:
[14:53] So we don't want to encourage that behavior. Y'all would never. The Smart Money Happy Hour audience is nice.
Speaker 1:
[14:58] All right, so in with the old, back to the basics. Let's go into thrifting.
Speaker 2:
[15:04] Well, yes, you guys, well, vintage is what she, it wasn't necessarily thrifting.
Speaker 1:
[15:07] I wish it was the opposite of thrifting.
Speaker 2:
[15:09] But all the, it was the opposite of thrifting, yes. The state sales, Facebook Marketplace, all of that, they are, they are bustling.
Speaker 1:
[15:16] We want the old school charm. We don't want the new fancy gadget that was, you know, on a production line made with shoddy quality materials.
Speaker 2:
[15:23] Yes, so yeah, there's something about, people are doing this also with their kids' toys. I saw a girl that I follow. And she like went back to the old Fisher Price and she found it on Facebook Marketplace. I mean, it had to have been from the ninth, like it reminded me of like what I played with as a kid. And she paid like 120 bucks for it. It was a pricey, but it was like kind of vintage. But then it was like the old, I don't know.
Speaker 1:
[15:44] The nostalgia from when she was a kid. Yeah, that happened with kids' books a lot for me. I want to read her the books that I read growing up.
Speaker 2:
[15:51] Okay, well, you still have to introduce her to Bear Hunt if you haven't already.
Speaker 1:
[15:54] Well, someone came to Ramsey Solutions and gave me a copy of that book. A fan of Smart Money Happy Hour gave me the book and said, hey, I know you haven't read this to your daughter.
Speaker 2:
[16:02] We talked about this in another episode.
Speaker 1:
[16:04] And then I read her the book and it's frightening.
Speaker 2:
[16:07] It's not too scary.
Speaker 1:
[16:09] The bear shows up at their door as they all frantically try to escape. What kind of Gatlinburg gone wrong book is this?
Speaker 2:
[16:16] Up the stairs and the covers. We're never going on a bear hunt again. Oh, it's so cute. I like it. OK, debit over credit. So this Less Is More is coming back. Get this ready. Gen Z, 56% of them say the spending method that they use most frequently are debit cards. Oh my gosh.
Speaker 1:
[16:36] Way to go.
Speaker 2:
[16:36] I've never felt so connected.
Speaker 1:
[16:38] I love this.
Speaker 2:
[16:38] To Gen Z.
Speaker 1:
[16:39] Here's what I get a lot. Debit cards are so dangerous. You should never use your debit card. Oh my goodness, the fraud. And then I see the headline today. Credit card debt at an all time high, $1.28 trillion. I say, oh, but my dangerous debit card. God forbid.
Speaker 2:
[16:54] God forbid. I know. And it is hard because I will say, it can be inconvenient for a moment in time. If your identity is stolen or your card number is stolen, whatever it is, money's taken out of the account. It takes a hot minute for the bank to put it back in, right? All of that. So I get that. But again, that rarely happens. The fraud protection, at least on mine, like I will be somewhere and swipe it. And it is like you need to call your bank or-
Speaker 1:
[17:20] Oh yeah, it's a transaction amount that's over a certain amount.
Speaker 2:
[17:22] They won't even let it go through. So yes, I feel like the protection is so high right now. That's how I feel on my debit card.
Speaker 1:
[17:29] I mean, there's a lot of protections. I'm not going to go into the nerdiness of it, but there's the Electronic Funds Transfer Act, which protects debit cards. And so you're only liable for like 50 bucks if you report it. And so there's all kinds of things that you can do. I write about it in my book, neither here nor there. But I do love that Gen Z is really going, hey, I don't want to even have the chance to go into debt. I want to be more aware of my spending.
Speaker 2:
[17:51] I want to just spend what I have. Because that is the psychology. That's so real. When you swipe money and knowing it's coming, it's gone, like it's out of your account. There's something about that that number one gives me peace just because I'm like, okay, I have no bill at the end of the month. Like I'm done. I'm done spending. Like the transaction's over. There's no baggage at the end of the month, right? You're done. And then also it does subconsciously make you think twice of like, okay, this is actual cash leaving. That's a different psychology than like, I'll worry about it at the end of the month.
Speaker 1:
[18:20] A great analogy, you're a kid at Chuck E. Cheese. You have $10 of your own money versus mom and dad's line of credit. And they go, hey, just have fun in there. Try not to spend too much. You're going to spend 30, 40, 50 bucks. If it's mom and dad's money that you have to pay back later versus your precious $10. Now you're like, should I play Skee Ball? Is this worth it? I don't know.
Speaker 2:
[18:39] Dad analogy.
Speaker 1:
[18:40] Bring some friction back in.
Speaker 2:
[18:41] Go Chuck E. Cheese, huh?
Speaker 1:
[18:43] I have not taken my daughter yet. I'm still scared.
Speaker 2:
[18:47] Yeah. The kids are obsessed. I mean, my kids are out of that now. They're done with it.
Speaker 1:
[18:51] They're done with Chuck E.
Speaker 2:
[18:52] But man, there was a three, four, five year old time span. And it is like Vegas for kids.
Speaker 1:
[18:56] I'm always shocked it's still open.
Speaker 2:
[18:58] I know. The franchise has stayed strong.
Speaker 1:
[19:01] Way to go.
Speaker 2:
[19:02] You know what else is back in is trade schools. So how much all the college stuff is crazy. The tuition, the student loan debt.
Speaker 1:
[19:08] So a lot of people are just like, I can avoid debt and go make upwards of six figures.
Speaker 2:
[19:12] Putting brakes on it. Yeah. So welders, cosmetologists, woodworkers, medical techs, car mechanics, linemen. I mean, so much. And a lot of them can make so much money. Oh, you have a great living by doing the trades.
Speaker 1:
[19:24] I just hired an electrician. He came by. Very nice guy. It was kind of an emergency situation. The fridge was out and the food was about to go bad.
Speaker 2:
[19:32] Oh, no, George.
Speaker 1:
[19:32] He showed up in less than 10 minutes.
Speaker 2:
[19:35] No way.
Speaker 1:
[19:36] Swapped the breaker and charged me his. He was like, Hey, I'm not even going to charge you for the breaker. It'll just be the, you know, fee to visit. 125 bucks he made in 10 minutes plus his drive time.
Speaker 2:
[19:46] How'd you find him? Like how?
Speaker 1:
[19:47] It was through a Facebook group recommendation.
Speaker 2:
[19:50] Okay, good.
Speaker 1:
[19:50] So shout out to Facebook groups.
Speaker 2:
[19:52] Yeah.
Speaker 1:
[19:52] Well done. I just searched electrician on the Facebook group.
Speaker 2:
[19:54] Oh yeah, yeah. It pops up.
Speaker 1:
[19:56] Reach out to this guy.
Speaker 2:
[19:57] Love it.
Speaker 1:
[19:57] So all that to say, the trades are where it's at. You know, I'm not Colin Jr. with his philosophy degree to help me change the breaker. And so there's a real need for these kinds of jobs.
Speaker 2:
[20:05] Real problems, real needs. That's right. Real solutions. Trade school.
Speaker 1:
[20:08] You just are happy to pay.
Speaker 2:
[20:09] That should be the tagline.
Speaker 1:
[20:11] What is that tagline?
Speaker 2:
[20:12] I don't know. It just came out.
Speaker 1:
[20:14] Mike Rowe, if you're listening, that one's free.
Speaker 2:
[20:16] Real problems, real solutions.
Speaker 1:
[20:18] Trade school.
Speaker 2:
[20:18] Trade school. Trade school. Oh my gosh. Well, I know one solution that has helped me in life a lot.
Speaker 1:
[20:26] To what problem?
Speaker 2:
[20:27] To not being cozy enough.
Speaker 1:
[20:30] Is that a real problem for you?
Speaker 2:
[20:32] It could be. Yeah. Cozy Earth products, the quality, and everything that it provides me is just solution after solution. If I don't even know I had a problem, until I was introduced to Cozy Earth and after you put it on, you're like, how was I living? How was I living?
Speaker 1:
[20:46] New tagline for Cozy Earth, they can have this one, first class solutions to first world problems. Not being cozy enough.
Speaker 2:
[20:54] Not being cozy enough.
Speaker 1:
[20:55] Put me on the marketing team already. This is great. But it's so true. This morning, throw on the joggers to take the dog out.
Speaker 2:
[21:01] Yes.
Speaker 1:
[21:01] It made it a pleasure.
Speaker 2:
[21:02] It was a great pleasure.
Speaker 1:
[21:04] Big pleasure to hang out back there with them.
Speaker 2:
[21:05] I know. It is. Their stuff is so, it's so, so nice. The sheets are still my favorite. My kids now want to, I probably need to get some sets. Speaking of sheets. Already bougie these kids with their luxury bedding. My kids, they always like, does Mia get in your bed? Does she like jump in? Oh yeah.
Speaker 1:
[21:20] She loves it.
Speaker 2:
[21:20] So yeah. But they're always like, mom, your sheets. And I'm like, I know.
Speaker 1:
[21:23] Say one day if you work hard enough, you too can own Cozy Earth sheets.
Speaker 2:
[21:27] Yes. Cozy Earth.
Speaker 1:
[21:28] But the good news is for everyone out there, these grown adults, you can just go buy this stuff and you can even get a discount by going to cozyearth.com/smartmoney. Use promo code SMARTMONEY at checkout and you'll get 20% off. We'll also drop a link in the description.
Speaker 2:
[21:43] All right. Up next is side hustles.
Speaker 1:
[21:45] This is in with the old?
Speaker 2:
[21:47] Yeah. Well, all the trades, they can definitely translate to side hustled money too. Right? So usually like what your guy did, if you can go direct to the person, you usually can make more money. So whether you're like teaching piano, helping someone fix, if you're an electrician.
Speaker 1:
[22:01] If you're handy.
Speaker 2:
[22:02] Yes.
Speaker 1:
[22:02] Just hired a handyman. He's my go-to guy.
Speaker 2:
[22:05] Oh yeah?
Speaker 1:
[22:06] 125 bucks he charged me for like an hour and a half.
Speaker 2:
[22:09] I feel like your rates are very consistent for all the people helping you.
Speaker 1:
[22:12] Listen, I try to keep it right there in that window. But he hung up like a 70 pound mirror. Again, vintage. Okay. I was like, I'm not gonna attempt to hang this thing.
Speaker 2:
[22:22] Yeah, no.
Speaker 1:
[22:23] Try to find the stud. No, thank you.
Speaker 2:
[22:25] No, and he did.
Speaker 1:
[22:26] He crushed it.
Speaker 2:
[22:27] Look at you. George, you're such an outsourcer.
Speaker 1:
[22:30] Thank you.
Speaker 2:
[22:30] You're a delegator.
Speaker 1:
[22:31] I am a delegator. I know my strengths and being a handyman isn't one of them. And I don't care how uncool that is. I'm going to support local people to do it for me.
Speaker 2:
[22:40] Okay. Something else of the old coming back in. And it's been around for probably a year or two, but I love it. It was the cash stuffing. So the envelope system. Yeah. I think that this still like makes me laugh because I get it. It's been going on for probably two years or so, this trend cash stuffing. But people like they're on TikTok and they're like, this is what you do. You cash out your paycheck and you have envelopes for all the areas you spend on.
Speaker 1:
[23:06] Mind blown.
Speaker 2:
[23:07] And you put the amount of money you plan to spend in each envelope. And that's all you spend in that category is what's in that envelope, you know? Yeah. And they're all like, oh my gosh.
Speaker 1:
[23:15] I'm like, hey, Dave Ramsey from 1993 called.
Speaker 2:
[23:17] He wants his method back. But old school, which I appreciate Tyler, who we work with. He was just saying that there was a meme that was like, I'm so frustrated with today's world because to find $7 for my daughter's field trip.
Speaker 1:
[23:30] Impossible.
Speaker 2:
[23:30] The amount of work it takes to find a $5 bill in two months, like it's just, it is. But hey, it's coming back around. The old cash system.
Speaker 1:
[23:39] It is. And I'm happy for it. And those videos are very relaxing. There's something calming about someone just calmly putting the money into each envelope, very tidy. For those of you who are like, hey, I'm not going to go get cash and stuff envelopes, we have a great digital app for budgeting called EveryDollar. You can check that out in the app store. And that's where people like me. They feel like money is dirty. But I handle it. I handle it frequently every week, well, every two weeks in my haircut. So I go to the bank and I get envelopes with the exact amount I need for that haircut plus tip.
Speaker 2:
[24:08] Yes.
Speaker 1:
[24:09] And I have it ready.
Speaker 2:
[24:10] Oh my gosh. You know what? I did the envelopes for, I did a girl's trip to Vegas. Did I tell you the story already?
Speaker 1:
[24:14] Yes.
Speaker 2:
[24:15] And I, and then-
Speaker 1:
[24:16] Put the gambling money in the envelope.
Speaker 2:
[24:17] I did. Okay. And then this sounds super bougie, but it just is the truth. But it was a bunch of 40th birthdays, so we went to Vegas and then we ended up going to Cabo.
Speaker 1:
[24:25] Oh my goodness.
Speaker 2:
[24:26] For just three nights. We did a two hop, which never done that before. That's some living. Ultimate trip. That's so fun. But in Cabo, you spend cash like a lot for like, like we had a driver take us from the airport to the house, see that kind of thing. But I did. I got envelopes for everything.
Speaker 1:
[24:42] Genius.
Speaker 2:
[24:42] Yes. And I felt like so good. And I texted all my friends and I was like, if anyone asks if I practice what I preach, you can see our girl's trip is all in envelopes, including an envelope called Vegas.
Speaker 1:
[24:53] All right. Cash envelopes into, in with the old, openly talking about budgeting.
Speaker 2:
[24:59] Oh yeah. Well, you mentioned every dollar.
Speaker 1:
[25:00] They're calling it loud budgeting now. I don't know what makes it loud because we're doing it out in the open.
Speaker 2:
[25:05] I think just saying like, oh, it's not in my budget or I budget and so I can only have this much to spend.
Speaker 1:
[25:09] Like just having boundaries, just talking about it.
Speaker 2:
[25:12] It's so good.
Speaker 1:
[25:13] So being honest and having boundaries. Now that I can get down with. That's a great old school concept.
Speaker 2:
[25:17] Old school, what am I going to put back in? Put back in, yeah. But the, yeah, the normalizing, normalizing, budgeting, that you live on a budget, that you're aware of where your money's going, that all of that is great.
Speaker 1:
[25:28] Just admitting, I can't afford this right now. And not being ashamed by it. And just putting the boundary up.
Speaker 2:
[25:33] That's right.
Speaker 1:
[25:34] And you know what else is out in the open, Rachel, if you're not careful? Your personal info.
Speaker 2:
[25:38] Oh.
Speaker 1:
[25:38] That's not a good one. That's something you don't want out in the open.
Speaker 2:
[25:41] Yes.
Speaker 1:
[25:42] Keep it to yourself.
Speaker 2:
[25:43] Keep it to yourself. So DeleteMe actually will go in and remove that info. And we're not talking about budgeting here. No, no. We're talking about your home address, your cell phone, your kids' names, like stuff that is out there. And it's on sketchy websites too. These websites are bizarre. Like when DeleteMe sends you the report and like some of the sites.
Speaker 1:
[26:02] Just got a fresh one the other day.
Speaker 2:
[26:04] You did?
Speaker 1:
[26:04] It's so exciting. I know I nerd out, but I've saved $139. Yes.
Speaker 2:
[26:08] That you're like, what kind of website is this?
Speaker 1:
[26:10] Well, new ones pop up every day. And so it's like whack-a-mole. And so instead of you having to keep tabs on that, search it, try to remove it, fill out the right form, wait for them to remove it, DeleteMe handles all of that for you. And so if budgeting helps you take control of your money, DeleteMe helps you take control of your digital privacy.
Speaker 2:
[26:25] Yes.
Speaker 1:
[26:25] How's that for analogy?
Speaker 2:
[26:26] Well done. That's the tagline. I love it.
Speaker 1:
[26:29] I'm coming up with a lot of taglines for everyone today.
Speaker 2:
[26:31] Yes, you are. Yep. So make sure to go to joindeleteeme.com/smartmoney and you can get 20% off an annual plan, which comes out to be around $9 a month. So make sure to check it out.
Speaker 1:
[26:43] That's a deal. I'm gonna drop a link in the description as well. All right, next up on In With The Old, Out With The New, No Spend Challenges, like a dry January for your money, which you tried that.
Speaker 2:
[26:54] I did do that.
Speaker 1:
[26:55] I say try with a heavy emphasis on try. No, I did.
Speaker 2:
[26:57] I did pretty good actually. Yes. It's easier to do it for my kids and tell them they can't spend.
Speaker 1:
[27:03] It's easier for your kids not to drink?
Speaker 2:
[27:05] Drink, spend.
Speaker 1:
[27:06] Oh.
Speaker 2:
[27:07] Oh, you're saying I tried dry January. Oh, I'm sorry. I thought you meant to say.
Speaker 1:
[27:10] Rachel, I don't think this is an activity for the kids.
Speaker 2:
[27:15] Oh, dry January.
Speaker 1:
[27:16] If they're doing dry January, there's a problem in the cruise household.
Speaker 2:
[27:18] You know, I think that it's good at the beginning. And then, but then I'm like you. I'm like, okay, I don't know. And I know like not good. Like I, we know the health.
Speaker 1:
[27:29] Literal poison to the body.
Speaker 2:
[27:31] Right. But then part of me, I'm like, I'm a grown woman. I work out. I eat semi healthy. Like I can have a glass of wine.
Speaker 1:
[27:37] Yeah. You have the bone density to support a glass of wine. I don't know.
Speaker 2:
[27:40] So that's where my attitudes at. I know.
Speaker 1:
[27:44] Wow.
Speaker 2:
[27:45] And even the, yeah, we all get it too. But anyways.
Speaker 1:
[27:48] I didn't know it was very upsetting to you. But you publicly talked about it on Smart Money Happy Hour.
Speaker 2:
[27:53] Yes. No, no, no.
Speaker 1:
[27:54] Cause you chose to do it.
Speaker 2:
[27:55] I did.
Speaker 1:
[27:56] Where they had to make you a mocktail or not sip the cocktail.
Speaker 2:
[27:59] I know. And I did that for a few shoots. It was great. Yes.
Speaker 1:
[28:02] And I'm a method actor. I have a job to do and I'm going to do it.
Speaker 2:
[28:05] I'm a method actor.
Speaker 1:
[28:07] But no spend challenges. I think it'd be easier for you to do no spend challenge. What do you think?
Speaker 2:
[28:11] I think I did it. That's what I was saying. I did a no spend challenge.
Speaker 1:
[28:14] How did it go for you?
Speaker 2:
[28:14] Per month. That's what I'm saying. I did okay. I did okay. And it is very revealing. It's very revealing.
Speaker 1:
[28:21] That's true. It's less about how much money you'll save. It's more about what it reveals about your heart.
Speaker 2:
[28:25] That's how it is for me. Cause I'm such a spender.
Speaker 1:
[28:27] Your vices. Like, well, I need this thing.
Speaker 2:
[28:29] Yes. And when I would go and I'm like, I'm not going to do it. I'm not going to do it.
Speaker 1:
[28:34] What's the last useless expense you noticed in your EveryDollar budget that you're like, I need to cancel this or I did cancel this.
Speaker 2:
[28:41] Okay. That it happened yesterday when I was tracking my EveryDollar expense, my transactions. I had an Uber one is what it said. 9.99.
Speaker 1:
[28:51] I didn't.
Speaker 2:
[28:53] Where did that come from?
Speaker 1:
[28:54] Yep.
Speaker 2:
[28:54] Why? What is it?
Speaker 1:
[28:55] Nobody knows.
Speaker 2:
[28:57] Nobody knows.
Speaker 1:
[28:58] You signed up at some point when you clicked it in the Uber app. Probably in Vegas.
Speaker 2:
[29:03] That was the last time I did Uber.
Speaker 1:
[29:04] I was like, hey, you can save $2 if you do a trial.
Speaker 2:
[29:06] I don't think I even remember doing that. And then I went to my profile on the Uber app and I can't find it anywhere.
Speaker 1:
[29:11] That's how they like it.
Speaker 2:
[29:12] So is it going to charge me every month?
Speaker 1:
[29:14] If you didn't cancel it.
Speaker 2:
[29:15] I can't find it, George.
Speaker 1:
[29:16] There was a new segment called Tech Support with George where I help Rachel cancel a subscription.
Speaker 2:
[29:20] You really are though. That came through. And I have a stupid line item in our EveryDollar budget because stupid stuff comes up. The kids go to the doctor and they're not sick. And you're like, that's so stupid not to pay for that. Like, you know, that's one. When in the stupid categories, I said, I didn't sign up for you. And now you're charging me 10 bucks.
Speaker 1:
[29:37] It's brutal.
Speaker 2:
[29:38] Yes.
Speaker 1:
[29:38] And they never tell you beforehand. They're never like, hey, it's about to come up. You want to cancel?
Speaker 2:
[29:42] I didn't know I signed up for, like genuinely. I don't even remember hitting a, I mean, I must have legally.
Speaker 1:
[29:47] If I search your email, I guarantee you'd say like Uber One membership initiated.
Speaker 2:
[29:52] All right, one more George. And this is one of my favorites. Being debt free is a flex.
Speaker 1:
[29:58] Love this.
Speaker 2:
[29:58] That you're like, oh, I'm debt free.
Speaker 1:
[30:00] Which means you're sort of flexing on your, you know, used 10 year old car that impresses nobody.
Speaker 2:
[30:06] That's right, yes.
Speaker 1:
[30:07] That's sort of the new flex.
Speaker 2:
[30:08] That you got no payments on it. It's kind of the new way to live.
Speaker 1:
[30:12] If you have a simple home that doesn't have all the bells and whistles and the modern kitchen. And you go, this is what I want. Cause it allows me to do X, Y, Z.
Speaker 2:
[30:21] That's right.
Speaker 1:
[30:22] And I'm not in debt and I can actually afford this life.
Speaker 2:
[30:24] Yes, being in a massive amount of debt to keep up a lifestyle that you can't keep up with and cause a stress, it's out. We're not living that life anymore. Simpler things that we can afford within our means that creates peace and margin. That's the new trend, George.
Speaker 1:
[30:40] Well, that's a person who's just secure. They don't need all the things. They're not trying to compare their lives to other people. They're happy with what they got and they have their values in the right place.
Speaker 2:
[30:50] That's right.
Speaker 1:
[30:50] That's it.
Speaker 2:
[30:51] I love it. You know, who else has their values in the right place?
Speaker 1:
[30:54] Who's that?
Speaker 2:
[30:55] FAIRWINDS Credit Union.
Speaker 1:
[30:56] I thought you were going there.
Speaker 2:
[30:57] Yes.
Speaker 1:
[30:58] Nailed it.
Speaker 2:
[30:58] They did because they are a credit union, but essentially like a bank, right? That you have your savings account with, high yield savings, your checking account. But they are not sitting there trying to pull you into debt like so many banks do. They're not trying to sell you all these products. They are there to actually support you in your financial goals and doing it the Ramsey way, which we love. That's one of the reasons we partner with them is because who they are behind the scenes is as wonderful as the service that they provide in their credit union. Their app is amazing, their banking system is amazing. We love them.
Speaker 1:
[31:30] Yes. That Smart Bundle is incredible. With their high yield savings account, you can actually have up to 10 accounts within there, which I like for all my sinking funds.
Speaker 2:
[31:38] You love a sinking fund.
Speaker 1:
[31:38] The vacation, the car upgrade, the home renovation. You can just add all these sinking funds and keep it all organized right there within the FAIRWINDS app and sign up within minutes.
Speaker 2:
[31:47] Yep. So FAIRWINDS credit unit is where it's at. Make sure to check it out and George and I both use them, love them. They're great.
Speaker 1:
[31:53] Go to fairwinds.org/ramsey to get that smart bundle. We'll drop a link in the description as well.
Speaker 2:
[31:59] Okay. So I would say, yeah, going back to simpler times, I think it's great. But I do think there's new things that can help us advance in the world, right? Obviously like that lady was kind of dogging on AI. We actually created a Ramsey tool called Ask Ramsey. That's AI generated with all of our shows and content on the Ramsey Show and articles. So if you do have a money question, you can actually go to Ask Ramsey. It is AI, but everything that's feeding that engine within that specific search engine is all Ramsey stuff.
Speaker 1:
[32:33] So you're going to get all Ramsey answers. Articles on our website. And so you don't have to wonder, is this accurate information? Is this on-brain with the Ramsey plan? And it does have a soul because all the information came from something we've said at one point. So there you go. Check it out, ramseysolutions.com. You'll see the big search bar there. It says Ask Ramsey. Use it. Try it.
Speaker 2:
[32:51] Well, I love the trends that we're kind of going back old school, because that is the principles we talk about every day with money. Like it is kind of common sense, old school way of living with money. It's not flashy. It's not new or trendy or exciting. It is kind of just like, hey, it just works. And so the fact we're going back there from going back to more walls in our homes. To talking about budgeting. I love it.
Speaker 1:
[33:15] Well, and there's a level of the world feels chaotic. Everyone's super anxious. And I think simplicity just sort of helps you stay centered and grounded in a sense too.
Speaker 2:
[33:25] Yes.
Speaker 1:
[33:25] So I love all of these trends and appreciate Gen Z, really leading the charge.
Speaker 2:
[33:29] I mean, they've done great.
Speaker 1:
[33:30] Without them and their content, how would we know that these even exist?
Speaker 2:
[33:33] We do appreciate that about you guys. All right. Well, before we spill the tea on our Guiltiest Charged segments, what do we rate the drink, George? I like it. I'm going 8.5.
Speaker 1:
[33:46] I'll go 6.5.
Speaker 2:
[33:51] I think it's fun.
Speaker 1:
[33:51] But it keeps drawing me back in.
Speaker 2:
[33:53] I know. Why does it keep, like, calling our name?
Speaker 1:
[33:55] It's such an interesting combination. So here's what's in it. If you're curious, if you're not curious, scroll on by. The Dr Pepper Margarita has tequila, orange liqueur, lime juice, cinnamon syrup, and Dr Pepper. And the cinnamon syrup and Dr Pepper combo is beautiful. The rest of the ingredients are a traditional margarita.
Speaker 2:
[34:15] Yes.
Speaker 1:
[34:16] But you don't really get the hit of lime and orange liqueur. Not too terribly.
Speaker 2:
[34:19] I'm mostly getting the cinnamon. And the aftertaste is great. You know, some of these drinks that are kind of bizarre, they have like a weird aftertaste.
Speaker 1:
[34:25] It's not medicinal at all. It almost is like a nice tea, if you will.
Speaker 2:
[34:30] What a word.
Speaker 1:
[34:30] Like think about like a fruit tea. Is that a good description?
Speaker 2:
[34:34] Yes, yes. Yeah, but it's got all the chemicals of a Dr Pepper in there.
Speaker 1:
[34:38] Yep.
Speaker 2:
[34:40] That's what your friend would say.
Speaker 1:
[34:42] The chemicals.
Speaker 2:
[34:43] What's her name?
Speaker 1:
[34:44] Putting more poison on our body, Patty.
Speaker 2:
[34:46] Patty. Sorry, we're drinking a Dr Pepper.
Speaker 1:
[34:48] She would hate that I enjoy a diet, Dr Pepper.
Speaker 2:
[34:50] Oh, she would not be okay with that, George.
Speaker 1:
[34:52] Once I migrated to the south, we don't have diet Dr Pepper in the north. I don't even know if they sell it in Massachusetts. I just don't remember anyone drinking that growing up.
Speaker 2:
[35:01] Man, Dr Pepper is great.
Speaker 1:
[35:02] But diet Dr Pepper really hits. It comes out to $2.84 per drink, so if you want to make it for yourself, get the recipe in the show notes. I think you'll enjoy it.
Speaker 2:
[35:11] All right, now it's time for Guilty As Charged. And this is where we ask each other a new guilty as charged question every week. And if we're guilty, we take a sip. All right, George, is there a pricey trend that you jumped onto that did or didn't live up to the hype?
Speaker 1:
[35:25] Oh, that's a fun one.
Speaker 2:
[35:28] Yeah.
Speaker 1:
[35:28] This one's pretty easy for me. It's the Tesla full self driving.
Speaker 2:
[35:34] Okay, didn't live up to the hype?
Speaker 1:
[35:36] No, it did for me. It said did or didn't.
Speaker 2:
[35:38] Oh, I'm sorry, gotcha, gotcha, gotcha.
Speaker 1:
[35:39] No, this one changed my life.
Speaker 2:
[35:41] It is amazing.
Speaker 1:
[35:42] I can't, if I'm going down the street to pick up the mail, I'm hitting the button for it to drive me there. And I feel like a little prince. It's so great. It really is like at first you're like, this is how I die. This is my final destination.
Speaker 2:
[35:55] Cause you watch that wheel start to move and you're like, but then it saved my life the other day.
Speaker 1:
[35:59] And I went, now I need it.
Speaker 2:
[36:00] Wait, what?
Speaker 1:
[36:01] A car pulled out and I couldn't see it. And I was like barreling down a hill toward a stop sign. Car pulls out and the car just jerked to a stop. And I was like, whoa, why did it do that? And then I see the car.
Speaker 2:
[36:12] Do you think you would have seen the car if you were actually having to drive?
Speaker 1:
[36:15] I wouldn't have seen it. I would have had a much later reaction. I'll say that. I would have seen it later than the car did because of all the cameras and it's constantly watching. I think it's actually 99% of the time safer than a human driving who's distracted. Okay, how about you? Is there a pricey trend you jumped on that did or didn't live up to the hype?
Speaker 2:
[36:34] Yeah, man.
Speaker 1:
[36:36] Throw them under the bus.
Speaker 2:
[36:38] I want to like it though. That's what's happening inside my heart is I'm like, no, it's so great. But then I'm like, the reality is like, it's fine. The Dyson Blowdryer.
Speaker 1:
[36:47] The Airwrap or whatever it's called?
Speaker 2:
[36:49] No, it's not the Airwrap. What is it? I don't even know. It was actually very confusing. I bought it on Black Friday back in November. And there's many different models. I ChatGPT. I AI'd a chart to compare all the different versions because there were so many. I was so confused because they're kind of expensive.
Speaker 1:
[37:07] Hundreds of dollars for these Dysons.
Speaker 2:
[37:09] I know. So, you know, I'm like, it is fine. The hairdryer I had before I think was as good. Now there's like the really cheap ones. You can get 20 bucks at a drugstore and it's loud and it's not very efficient. So there's definitely like that range of blow dryer. But then you can get a nicer one that's like not a Dyson, but like I think it has the same like it's quiet, but it's like powerful, which is great. And the Dyson is like another level. And I just don't know if the levels.
Speaker 1:
[37:34] If it was worth the jump in price. For what you're getting out of it.
Speaker 2:
[37:38] I know. So that would be mine. Wow. But I want to like it, but maybe I do. I don't know.
Speaker 1:
[37:43] Well, Dyson's not sending you anything in the mail.
Speaker 2:
[37:46] I don't.
Speaker 1:
[37:46] Thanks for the mention, Rachel.
Speaker 2:
[37:48] Oh man. Well, if you have a guilty charge question for us, make sure to DM us at Rachel Cruze and at George Kamel. We use them. We appreciate it so much. And if you love this episode, then you're going to love our episode, Weird Money Habits That Will Make You Rich. We will link it for you. And make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.