Who’s feeling middle class fancy? Join Rachel and George as they celebrate “the backbone of America” and try to figure out if the rumors are true . . . Is the middle class really disappearing? In This Episode:   ·      The restaurant that screams “middle class” according to George ·      How your income bracket does (and doesn’t) impact the quality of your life ·      Costco hot tubs, fondue fountains and more @MiddleClassFancy gold   Helpful Resources:  ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/SMHHgvwy ·      Do you have a Guilty As Charged question for Rachel and George? 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.     ·    Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: The Waldorf ·      1/2 ounce absinthe ·      2 ounces rye whiskey ·      3/4 ounce sweet vermouth ·      3 dashes Angostura bitters Grab your favorite cocktail glass. Pour in the absinthe. Give the glass a swirl until the inside is fully coated––then dump out any excess liquid. (Congrats! You just performed an absinthe wash.) In a separate glass, combine the whiskey, vermouth and Angostura bitters over ice. Stir until chilled. Strain the mixture into your absinthe-washed glass and get to feeling fancy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Not all that glitters is gold. Rachel and George are here to crunch the numbers, debate the pros and cons, and decide once and for all if all-inclusive vacations are worth your money. Which costs more: a trip to 30A or a week at a resort? Why does late-night crème brûlée from room service hit different? And is it all too good to be true?   In This Episode:   ·      The current state (and fascinating history) of all-inclusive vacations ·      George’s love of fire dancing and Rachel’s aversion to mass-produced vacation food ·      Cost comparisons, nonrefundable contracts and Costco Travel tips   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/SMHHgvwy ·      Do you have a Guilty As Charged question for Rachel and George? 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.     ·       Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Sidecar   Ingredients: ·      1 1/2 ounces cognac ·      3/4 ounce Cointreau ·      3/4 ounce lemon juice ·      Sugar (for garnish) Instructions: Coat the rim of a chilled cocktail glass with sugar and set it aside. Add cognac, Cointreau, lemon juice and ice to a cocktail shaker. Shake until mixed and chilled. Strain the liquid into your prepared glass and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Epic Starbucks orders, lab-grown energy drinks, your hipster friend’s pour-over coffee phase . . . It’s no secret that America loves a good caffeine rush! In this episode, Rachel and George weigh the pros and cons of everybody’s favorite stimulant––and do the math on what caffeine addiction really costs.   In This Episode:   ·     The number one way to drink coffee according to Rachel and George ☕️ ·     The real reason Target has Starbucks in their stores ·     Coffee alternatives that feel like they’re stalking you on Instagram Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Enter the Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/SMHHgvwy ·      Do you have a Guilty As Charged question for Rachel and George? 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.     ·      Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: The Lazarus  ·     1 ounce vodka  ·     1/2 ounce cognac ·     1 ounce coffee liqueur ·     1 ounce espresso coffee (hot) Add all ingredients to a shaker with ice. Give it a good rattle. Strain into your favorite drinking glass and sip until you feel the espresso bring you back to life! ⚡️ Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Blockbuster about to pull an Abercrombie? Rachel and George discuss the rise and fall of iconic ’90s businesses. Which ones are headed for a comeback, which ones are gone but not forgotten, and how does nostalgic marketing affect your spending today?   In This Episode:   ·      Are Beanie Babies and other throwback keepsakes a smart investment? ·      Has technology ruined our generation and our favorite brands? ·      Rachel performing a memorable answering machine rap from her childhood   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Enter the Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/SMHHgvwy ·      Do you have a Guilty As Charged question for Rachel and George? 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.      ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Bottoms Up Ingredients: ·      1 1/3 ounces cognac ·      2/3 ounce Cointreau ·      1/6 ounce grenadine ·      1/6 ounce heavy cream ·      1 egg yolk   Instructions: Pour all ingredients over ice in a cocktail shaker. Give it a good shake, then strain the liquid into a cold glass and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Featuring the very first LIVE audience in the new Ramsey Event Center, Rachel and George tackle a conversation about gender and money from the Smart Conference stage. Is saving and spending always a battle of the sexes? And what’s the biggest threat to getting out of debt: his truck or her Target runs? Listen now and join the party!   In This Episode: ·      Our audience helping us predict money tendencies for men and women ·      How your upbringing affects your saving and spending habits ·      Why Rachel defends the male obsession with grills and George supports brunch culture   Helpful Resources:   ·      Get your finances organized, make a plan, build up your confidence and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smart to get started today! ·      Do you have a Guilty As Charged question for Rachel and George? 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.     ·     Learn more about your ad choices. https://www.megaphone.fm/adchoices   Ramsey Solutions Privacy Policy     This Week’s Happy Hour Special: Breakfast in Manhattan Ingredients: ·      2 ounces bourbon ·      1/2 ounce sweet vermouth ·      Dash of Angostura bitters ·      1 tablespoon orange marmalade   Instructions: Pour marmalade and bourbon into a cocktail shaker and stir together. Add in vermouth, bitters and ice, then stir. Strain into a chilled glass and enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices