Confronting Real-Life Money Secrets and Blowups
Вставка
- Опубліковано 12 вер 2024
- 💵 Create a free budget. Sign up for EveryDollar today! ⮕ ter.li/owvnye
George and Rachel answer your burning question: “Am I the jerk?” These 100% real scenarios include secret credit cards, trips overseas, a husband with a “you break it, you buy it” attitude, and so much more. George and Rachel decide whose spicy spending secrets make them guilty, including:
• A husband who has his wife’s paycheck deposited into his account
• A wife who secretly paid off her car
• A couple doing the ol’ takesies backsies on a money deal they made with family
Helpful Resources:
• Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.
• 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: www.megaphone....
• Ramsey Solutions Privacy Policy: www.ramseysolu....
This Week’s Happy Hour Special: Watermelon Mojito Mocktail
Ingredients:
• 3 cups chopped watermelon
• Juice of 2 limes
• 1 1/4 teaspoons sugar
• 4 fresh mint leaves
• Ginger ale
• Club soda
Instructions:
In a glass, muddle two mint leaves with 1/4 teaspoon of sugar, then set that to the side. In a blender, add the watermelon, lime juice and a teaspoon of sugar and blend until smooth. Once it’s well blended, strain out all the watermelon pulp and fill your prepared glass about half full with the watermelon puree. Add ice and a splash of ginger ale, then fill the rest of the glass with club soda. Stir, then garnish with mint sprig and a slice of watermelon if desired.
Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love.
Watch and subscribe to all The Ramsey Network shows here: www.youtube.co...
Ad Choices | Megaphone by Spotify
megaphone.spot...
Ramsey Solutions Privacy Policy
www.ramseysolu...
Is it bad that I watch this more than the actually Dave Ramsey channel?💀 idk I just like how fun this is while also learning at the same time!
IMO this is more fun and has more varied topics of discussion. Ramsey show can get fairly interesting because the callers do come up with some off-the-wall situations unique to their own lives, but usually it's just stuff like, "I'm $50,000 in debt because I bought a brand new car, what do I do?"
They don't scream at the drop of a hat like Dave does. My fear is she's gonna become more Ramsey-ish as she grows older cuz she's Dave's daughter.
Got tired of hearing the same calls over and over on the main show.
Not bad at all. These videos are more fun. George and Rachel's banter back and forth works so well! As far as the Ramsey videos, they are good too but more serious in nature. I only watch the Ramsey highlight videos... I pick and choose what interests me so I like them both equally. But it's not bad at all.
And that is exactly why they are offering alternative content. I enjoy the regular show, but I find these types of video enjoyable. Nothing wrong with filling your mind with helpful information. :)
Most of these stories have 1 thing in common...a lack of respect for or from one or both parties.
We need more episodes like this! Or segments of "Who's the Jerk". Absolutely loved this episode
I’m so grateful my husband and I are both good about not spending unnecessary money. I cannot imagine being married to someone who has secret credit cards 😰
I’ve really been binge watching this show all weekend 😅
Do more of who’s the jerk episodes it’s really good
This is such a fun segment! This should be peppered in like every few episodes for 5 minutes or so.
Rachel and her tiny gavel is just the funniest thing I didn't know I needed today 🤣
28:33 never loan anyone money is my philosophy. Either make it a gift or don't do it. I did tell a friend this once.
Definitely bring this back for next time! So much fun and we love the drama chaos 😅
With the car being sold to the brother. Another point is if caravana price went down would they have lowered the price?
I wondered the same! Also questioned why he would still even be checking price adjustments after he had made an agreement. His word and a handshake don't mean much if they won't be honored.
Hubby and I have a $100 limit on flexible budget areas; that is, we discuss anything over $100 BEFORE making the purchase. In general, $100 here or there isn't going to make or break our budget. However, we put this in place early in our marriage and it has maintained accountability and kept our trust level high throughout 24+ years.
Come on guys! That was his laptop which he most likely bought with his fun money. How is it fair that he would have to lose out on $600 of his fun money and she gets to keep all of hers? Also he was kind and only took $250 instead of $300.
I think it was because he didnt communicate it to her. But i actually had a similar situation lol. I ended up just diverting a little from the budget to pay for some repairs but i talked to my wife first about it
I agree that he wasn't mean about it & quite frankly, I don't understand what the upset from his wife was for. Accident or not, she broke his things & shouldn't feel some type of way helping to pay for it. If he broke something of hers, I highly doubt he would've had a problem going half on it or just paying for it. 🤷🏿♀️
@@haileyreign971 Couldn't agree more.
I’d be relieved he told me his solution and what worked for him.
Agreed. I do not understand their logic on that... Some other details were questionable, but the solution was fair. Even if the kids broke it, I feel like that'd be a split expense. Wife just said, "sounds like a 'you' problem." That's rude.
regarding the carvana brother, george said if he can't afford to miss out on the $2K, he shouldn't have quoted the original price. my thing is, if you're in a situation where you're looking out for your family of 4, by wanting to sell your brother out for $2k, maybe your family of four shouldn't have made plans for disney. the nerve. sigh.
Really need to mic up the gavel if y’all gonna keep using it 😂
That 1st Story!! And witnessing the “George stretch” in the chair! 😂 I died laughing! Cus he did what we were all mentally thinking!
Right?! It just kept going!! Like whaaaaaa
If my wife gets a gift of money,that money is hers to do with as she wants. End of story. Gifts are GIFTS….I mean holy cow! Dominate your wife much?!? I’m all for shared finances. We do it,but dude needs to keep his mits off his wife’s birthday money.
I’m always here for the “ding” noise after “Smart Money Happy Hour” 🛎️
What a great episode! Such great advice. The audacity of some of these people! 😮
That wife DID NOT need to be in his office! He cleans it!!
I'm with the husband 100%!
It’s her house too. She can go in any room she wants. 😮
She can go in there - but for her to not want to pay for something she broke (or to keep all her fun money and feel no sacrifice for replacing it) is really a poor attitude on her part.
@@boonewsmith No she cant if they both agreed to have private rooms.
@@arthrodea She can not go in there if they both agreed not to go in each others rooms.
Love the gavel ahaha its so cute! Also, this was a real tea-sipper of an episode. I'm here for it!!
I'm currently preoccupied with the question of how to enhance earnings in times of economic shifts. The prospect of watching my savings diminish greatly troubles me.
These times call for careful consideration, where independent actions might have limited impact. Therefore, I recommend seeking the guidance of a financial specialist who can furnish invaluable financial insights and aid.
Indeed! Amidst this challenging phase, my Financial Consultant employed protective tactics that facilitated a growth from $70K to $210K in my investments. This has effectively bolstered my portfolio against the impact of market downturns.
I'm genuinely curious about the avenues to connect with the advisor you brought up. I'm currently on the lookout for an investment approach that can optimize my savings. Any insights or guidance you could share would be immensely valued!
I rely on the expertise of a capable consultant, identified as Eric Thomas Witt. Basic details about him are easily accessible online. A quick search using his name should yield the desired information. Rest assured, his reputation and skill are widely recognized.
Thank you for providing this valuable insight. After a quick online search, I came across his website instantly. The initial impression is intriguing, and a thorough review of his credentials indicates a wealth of experience. I've already initiated contact and am eagerly awaiting his response.
What if the laptop was a car and the roles were reversed. "I accidentally crashed my wife's car, and the repair is $600. That should come out of her fun money because it's her car, right?"
I don't understand why the wife won't own up to her mistake. If you damage someone's property, you don't just get to say you're in the clear because it was an accident. You have to pay for the damage. And since they are married, they both pay for the damage.
Exactly. And this isn't a "household computer". It's a hobby computer for his gaming. That's like if I accidentally destroyed a bookshelf of my wife's books and said not to worry about it. He should have talked to her about it, 100%. That's his error he needs to own, but she should be participating in the pain of the repair as well
@@bmcclure3atgatech If im not mistaken he told her not to go in there in the first place but she did anyways.
Rachel has double standards where she does the typical thing of wanting women to have all the privileges yet be treated like children when it suits them. An accident doesn't mean you don't have to pay. She's not a child
And, he payed for more than half of the cost! He took more out of his money than hers! That’s more than fair.
The woman who broke the computer; she's the jerk as well for crossing his office boundaries. It seems like she wanted to check the computer because of trust issues. I'm not sure it was an accident.
Interesting episode!! Sounds like alot of couples need to be communicating more!
Because I’m a natural spender I firmly believe no matter what baby step you’re in that birthday money is yours for the spending lol🎉
I come here for the show but i stay tuned for the recipie and cost breakdown of the drink.
As I adore both of you, and I do!
Consider this:
At the point when she got a personal gift for her birthday, her husband had no right to touch it.
The fact that she doesn't do the bills, or has a bit of an attitude, also has nothing to do with a personal gift that he had no right to touch...and then her husband gets mad when she brings it up!
This entire scenario starts and ends with, he had no right to touch her gift, and I also believe there's a lot more there than him just going into her drawer and opening up her card and taking her birthday money. This girl has a lot more problems than just birthday money...
George is correct. Kix is "Kid tested, mother approved."
George is my favorite Ramsey personality!
Rachel is mine ❤
🥹🥹
For me it's John, I too have anxiety and he helps me through it. My least favorite is Dave cuz he's very demanding and pushy.
This is a fun segment!… I normally agree with both of you, but I have to say this time I do not agree..I believe the husband is correct and splitting the cost with his wife on repairing the laptop screen is a good decision..Its a consequence of her mistake ..nothing wrong with him wanting her to split the cost. Love Smart Money Happy Hour❤❤
I watch the ramsay show while im at work and smart money happy hour when im at home. Love this stuff
Hiyeee just watching this again & was wondering if you guys can do another video like this where you get real life situations? Love hearing your thoughts & love when Rachel uses the gavel 😅
Want to add "two cents" to the car selling to family scenario,.....be careful giving, buying , and selling to family!
Oh heck yeah! The drink part is awesome and makes your content even more unique!
Excellent topic, excellent job covering such a difficult subject. Congratulations to you both and your team.
Amazing how many things can go wrong with money in relationships.😮
13.50 yes she broke it she should pay in full no matter how much fun she needs to skip.
Being responsible is what makes you an addult not merging finances completely.
In terms of the broken computer, my husband works from home. He has requested that I do not touch his computer or anything in his office area and do that if I broke his computer, I would immediately volunteer to take my fun money and buy a new one, and if he broke my office computer, he would do the exact same thing.
Love how you changed AITA to am I the jerk? 😂
Loving this segment, can't wait to see it again!
As a disabled guy myself, I would have questions too. Let me park my RV in your back yard an split your bills, that's completely different than give me money to pay my bills.
Every time I hear couples disagree (argue?) about money, I remember why I'm not married.
Pretty easy to avoid. Don’t marry someone you don’t agree with. My husband and I have never argued about money 🤷🏻♀️
@@alqoshgirl And have complete transparency. I forget the name of the service but it shows everything open in your name, credit score, etc. If you have 4 cards and only told the other person about 3, they can see it and the balance on everything.If someone won't be open and transparent like that, it's a red flag.
@@alqoshgirldo yall talk about money, monthly budget meetings, combined finances, the whole 9 yards?
Or are you separate on everything and never talk about money?
I would rather have my wonderful spouse and have arguments that live without him.
Hey linda, just remember even if you marry the perfect spouse, you will still have arguments. Or maybe you do something they dont like. We all deserve love, you included. I hope you find the right person to love and argue with one day! Best wishes
I love this topic. It's great to practice working through how to handle each situation. Some of those situations were really weird, but looking at what's going on is a really good practice. Thanks. I agreed with all your guilty's.
Don't sell the car to family, but going back on your word is worse.
Laptop replacement should just be a budgeted household item. If fun money has to cover it, then both should sacrifice equally.
Don't take your spouses birthday money. Not cool. Doesn't matter that it wasn't spent.
Don't invest in brothers business and shame on the guilt trip by the mom in this one.
We need more "am i the jerk" segments!
Yes George, It's Kix Cereal that had the slogan Kid Tested Mother Approved slogan but they changed it to Kid Tested Parent Approved.
the Carvana story reminds me about an episode of The Office where Michael was trying to keep his paper business afloat.
Pre-kids, I bought a house without my husband knowing. It was literally "oh, I bought a house today" Great location in a seaside suburb. It needed a fresh lick of paint, and we did some renovations. Now we have been living in the house for 19 years, and I truly can't dig him out of it!! Its sunny, warm and has tripled in value. A few years ago... oops! I did it again, and yet again a few months ago. He trusts me to make good financial decisions for our mutual benefit. Which I have!
Love your show!
UGH Rachel is so wrong about the laptop. The issue is in part that the wife wasn't supposed to be in the office in the first place. "I have asked her multiple times to please leave my office alone." Which means she's been violating his wishes repeatedly. And when she does it again Rachel says "very nice". "That's a computer for the house" she says, as if she wasn't listening to herself read that it was his laptop, in his office, where she wasn't supposed to be. His only sin is not discussing the resolution before deciding on something on his own. But the resolution he chose sounds fair to me.
I can make that with Simply cocktails. They have 3 different mocktails one of which is basically what you're having. All I'd have to add is the ginger ale and club soda and I'm all set.
Watching The Ramsey Show and then Smart Money Happy Hour, is like watching a movie on DVD remastered of VHS, and then watching something on Netflix / On-Demand. See what I did there, George? ;)
I love this segment ❤
One of my favorite episodes 😂 very funny ❤
Violating Boundaries + respect = red flag 🚩Not communicating + guilt = red flag
Good discussions!!
great show guys.
We need John Deloney for this one 😂😢
11:06 I wonder if Rachel's verdict would be different if she was disabled. For all of the Ramsey discussions encouraging generosity, I am shocked by her answer. Of course, take care of your household first. Of course, have the right motives. But what does God's Word say when we ignore those in need?
"If a brother or sister is poorly clothed and lacking in daily food, and one of you says to them, “Go in peace, be warmed and filled,” without giving them the things needed for the body, what good is that? " James 2:15-16 ESV
"By this we know love, that he laid down his life for us, and we ought to lay down our lives for the brothers. But if anyone has the world’s goods and sees his brother in need, yet closes his heart against him, how does God’s love abide in him? Little children, let us not love in word or talk but in deed and in truth." 1 John 3:16-18 ESV
Perhaps disabled people would not need the government if the church obeyed God's Word. The government has been picking up the church's slack like a second baby daddy for too long. Let's step up church!
Love this!
Regarding the wife that was in her husband’s office when she shouldn’t have been and cleaned up when he takes care of his own room and she ended up breaking his computer. She definitely should have to pay for that. I think he went to easy on her.
The wife should have paid the ENTIRE amount for the laptop. She was told to stay out of the room. Even if she thought she was helping, she did more harm than good.
So bizarre. She was TOLD to stay out?!?! How about no.
@@boonewsmith How about, yes or there's no relationship. Women love to set boundaries but hate to have to respect them themselves. We understand responsibility is terrifying to the average woman but that's why so many are single and will remain so. Because, frankly, guys are getting sick of this shit.
@@csx6910 Sorry, but I have never told my husband to “stay out” of any room in OUR house. Oh but kids are welcome. Yeah sounds real healthy.
@@boonewsmith Maybe he doesn't care, maybe he knows you'd become a harpy if he told you he didn't want you someplace you didn't need to be because remember, each of them had their own space and he wanted his space a particular way taking full responsibility for it. SHE decided she doesn't have to respect his wishes, led to the destruction of his property and, for fock's sake, even helped her pay for the replacement that should have never even needed to be replaced if she had not decided she didn't need to respect his wishes. Again, authority without responsibility. Otherwise, if you're going to do whatever the hell you want to, you should have to bear the entire cost but we saw how Rachel had her hissy fit over that. An accident doesn't mean you're not still responsible for the outcome.
To me it's a red flag to ban a spouse from a room. It makes me wonder if he is hiding something illegal or proof of a moral wrong doing. I think it's great if married couples have their own room to do whatever but banning their partner from it doesn't make sense. They should be one of the few people you trust with your things. Granted she broke one of his things, but accidents happen. She should have given her fun money to fix the laptop and not let her husband use any of his fun money. To me he was acting very kind to not ask her to pay for the whole repair and she should have been thankful for that.
Love the little grvel taps 😂 😅
When Im single and I had an unexpected cost, I deducted from my fun money.
When married, since everything is combined, would you take out $300 from each person's fun money?
Referencing the labtop - he may be the jerk, but he's right.
Also, how would she pay her half as a stay at home mom?
My husband and I have the same amount of fun money each month and a separate miscellaneous category for unplanned costs
@@joanebf you both work?
I want an episode where they react to Caleb Hammer Financial Audit. That would be super fun.
This was fun to listen to.😂
Would love to watch the video version but Apple Podcasts released it first :\
Listen to it twice 👀
The birthday money situation is exactly why my husband and I have personal accounts for FUN spending. Because if they have 1 account then he feels entitled to the “household” having that money. I want to be Able to buy the things I want within reason with our feeling obligated to have “permission”
I have an ethical question. In Canada, we child benefits (~$500/month) to help with the costs of raising kids. We have been saving this for our kids' education. When that is fully funded, should we continue to save it for them or do you think it's reasonable to use it for camps, daycare, activities, clothes, etc. So that we can put that extra cash towards our mortgage? I feel a bit like it's stealing from our kids to pay for our housing.... opinions???
Thanks for your podcast, I love it!!
I'm in Canada too. My husband and I were just talking about this last night. Part of raising kids and making sure their needs are met and their standard of life is what we all want it to be- yes, spend it as you see fit! Extracurriculars, additional savings (like for a vacation even... that's an experience they benefit from too), mortgage is a-ok - they need housing!, car insurance - they need to get to school and soccer... It is to be spent how you see fit. Don't hold guilt about using it on groceries, they need to eat!
You can sort of think about it like child support. I'm not sure I know of anyone who receives child support and keeps it in a separate account to buy just diapers, just the kids school snacks, just the kids bath towels, just the kids hand soap and toothpaste ... they roll it into their entire budget and part of that money goes into food, shelter, clothing etc.
A recent Canada Life study found that while the majority of Canadians (92 per cent) are aware of Registered Education Savings Plans (RESPs), less than half (49 per cent) are currently using this savings tool. Additionally, a mere 17 per cent claim they're knowledgeable about the contribution limits and benefits they offer. Average monthly contribution amount is $210. We personally contribute less than that per child. I think you are doing great.
I like to give gifts, but $1000. No way. That's to much to spend.
Why is George being so savage tho - aaaaah I get it, I found the jerk!
The man should have just been way more aloof about depositing the money. If he just acted like it was a matter of course like "hey, that seemed like way too much cash to just have sitting around," he might have been able to get away with it. The reactions from both parties seems to indicate deeper problems. But money is completely fungible, so she can just go withdraw it no harm no foul
It is Kix, that is "...kid tested, mother approved".
The gavel "...fair"😂❤
The obligation present situation is so annoying. This past Christmas I got a group text about buying our grandma a new tv and sister asked everyone to pitch in. I never even responded. Grandma has a tv already and we don’t even watch tv so this isn’t a gift that I would feel is important. It was the same thing with an iPad with her the year before, I also did not contribute to that. She doesn’t even ask for these things, someone just comes up with the idea and insists we all chip in. They’ve never said about how they feel about me not chipping in but honestly I wouldn’t care even if they’re mad about it. We have financial goals of our own and those take priority.
My sister who is in debt wayyyy past her eye balls(200k plus) always chips in on this stuff and I’m think she’s crazy for it. Couldnt care less if I come off as a jerk.
no, you aren't a jerk. I invited one of my brothers out to an impromptu lunch with most of our family and he declined because he would be at work - i knew he would be at work and wouldn't be able to come, especially last minute for no good reason, but if he heard we all met up for lunch and no one bothered to invite him too, maybe he'd feel excluded. Maybe they are just trying to avoid causing any bad feelings that way. idk.
My oh my if anybody wants to feel better about their relationship as far as finances I will definitely have them listen to that first one... yikes
The spilt couple have a very weird relationship. They have split spending accounts that neither have access to, they have split hobby rooms that neither are supposed to enter, and he wants to treat her like a child and punish his wife for accidentally breaking his screen while she was cleaning.... it's so weird. If my husband breaks something I can get upset, but WE pay for it out of our emergency fund or just pull it from whatever envelope it would fall under. Crazy.
🎵closing time🎶
I feel like rachels response to the "guilty as charged" wasnt sufficient to the theme of the episode - does Winston think youre a jerk for not tipping or do YOU? What financial habit would you say Winston thinks makes you a jerk?
George was raw with his pillow pains with Whitney lmfao
Its insane to me they called computer guy the jerk. He set a clear boundary, using money they both agreed to, and she violated the boundary and destroyed crap! The only thing he did wrong was just "deciding" she pays without talking to her. They should have sat down together and she should have taken responsibility like an adult, and VOLUNTEERED to fix it. At that point he would probably meet her in the middle. Dont act like a child and you won't be treated like one, leave peoples stuff alone!
Agree with not tipping the ipad, but most take-out servers working at full-service restaurants are also making $2.13/hour and need to be tipped. 10% is appropriate.
I'm just here to vote for more reddit reactions
George, any relation to Mounir Kamal?
heres the deal on the RAV4, after these people held on to the car, it had more miles and wear and tear on it. so they should have reduced the price. the woman talked like she was doing the "right thing". she was a jerk
and delusional on top of being a jerk.
I totally love the gavel.
I've became a jerk when starting following Dave Ramsey xD
How long have you been on the plan and what Step are you on?
Imma need some real booze in those mocktails.......
Please bring the gavels back for next week’s episode
I'm never here for the drink recipes, but ALL the content, so don't worry about that y'all! I actually stop listening at the end before the drink recipes.
Ok. The birthday money. He should of communicated but he put it in a joint account so it doesn’t feel big deal. She can still access it. They both need to have better communication.
The husband had his own space and she has hers, which I think is ok, and asked her not to clean up in there. I think she was being passive aggressive when she "accidently" broke his screen.
AND THIS IS WHAT HAPPENS WHEN YOU COMBINE FINANCES JUST BECAUSE YOURE MARRIED. Every married person cannot be trusted financially. They're worthy to be loved obviously, but NOT TRUSTED WITH MONEY.
Can you guys rotate where the 'R' logo is and not just keep it on the bottom right corner the whole time? Don't want to risk burn-in on monitors / TVs. Makes me want to just turn the TV off and have audio only on.
The laptop guy is not a jerk at all. The fact that he even spent part of his money to replace it was very good of him. Gamers often need special laptops and if that is what he does for fun then so be it.
It's a family friendly version of AITA.
Came here to say this. 😂
My thoughts on the laptop scenario. The "fun money" account should have been broke 50/50 ($300 each to replace laptop) and the husband should have communicated this plan before doing it. This would have hopefully alleviated some of the issues his decision may have caused. Hopefully if he did it this way, the wife would have been fine with it and understanding. Yes, it is frustrating on the husband's side - especially since he asks her NOT to do something (clean the office) but he shouldn't take it out on her financially - that's borderline abuse. He would be totally in the right to say something like, "I've asked you before not to clean my office, now we have a broken computer that we have to pay for and here's how we'll do it (50/50 from fun money."
Maybe he only gets $250 in his fun money. To me it sounds like the wife is mostly in the wrong here.
She looks a lot like her dad… but she’s healthy and that’s what really matters.
Of course that’s a joke. They’re all gorgeous.
It's the lack of wrinkles from financial stress
Less frown lines heavier smile lines
19:00 I am bothered about the inconsistencies regarding separate personal money pots. You started saying it's ok if the other half was irresponsible (fair enough), then saying saving separate pots creates a you Vs me mentality. Fair enough. But now you're saying birthday money are yours and the other half must not touch it. You can't completely merge everything bit have exceptions. You either do or you don't. It's like having integrity in your life, you either have integrity or you don't.
Sounds like to be you do advocate separate personal money pots, rather than sharing *EVERYTHING* like you very often suggest people should do.
For the record, my significant other and I have joint account for the big or household things, and personal accounts for personal things. I think it's healthy to have some personal space. Eg where do you get money from if you need to buy a surprise present for the other half?
A guy was a jerk because he deposited his wife’s birthday money and DIDN’T spend it? So, he is the jerk for moving money. Big wrong.
My thought was that she had lost or misplaced cash before and he didn't want that to happen again. The not mentioning it was the part that was wrong.