Putting Our Financial Knowledge to the Test (With Special Guests!)
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Today, we're testing our money knowledge with some very special guests. If your mom could buy anything in the world right now, what would she buy? A coffee mug or a book. Wow. So she doesn't have enough coffee mugs. I think we have plenty. What if there was a new chore I could give you and pay you $10? Would you pick up dog poop in the yard? Sure. Hey, guys, I'm Rachel Cruz. I'm George Camel. And this is Smart Money Happy Hour.

Well, this is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money. But first, Rachel, let's talk about what we're sipping on here. This is My Little Pony Became a Real Drink. It's called a lavender lemonade mocktail. Glitter, George? I always ask for more glitter in my drinks. That's exactly what I want stuck in my body for an unforeseeable amount of time. It will not escape.

It's so fun. My grandchildren will know. Okay, but it brings like joy and youth. Joy and youth to her. It just looks like it shouldn't...

Be edible. Oh my gosh. But I know it's called edible glitter, but who's making it? I need answers. This is my conspiracy theory. Well, stick around until the end. We'll give you our rating and reveal the cost per glass at the end of the episode. All right, well, it's springtime, George. We love springtime. I love springtime. Our birthdays are in the spring. Yes, they are. The iconic Miss Congeniality perfect date. Can you say the quote? Yes, my birthday is April 25th. Not too hot, not too cold. All you need is a light jacket. Wow. It makes me so happy. That's great.

That felt very like pageant. I know. Well, it was. It was Miss Congeniality. It was a pageant movie. Yeah, no, no, it makes sense. No, that tracks. Okay. Did you also know, more importantly, April's National Financial Literacy Month? Yes. You know, I do know this because we work in the world of personal finance. We live it. We breathe it. Yes, but it is. It's a month that really is dedicated to the youth, if you will. That's right. And say what you will about California, they recently became the 26th

state to require financial literacy in school. We love that. Yeah, so there are a lot of states now mandating financial literacy because everyone says always, if I had known this stuff in high school, my life would be different. And so setting up the knowledge base early on in the world

It's so great. So that's why we love getting to middle schoolers and high schoolers and talking about this. So in honor of FinLit season, as we call it in the biz, we decided to bring a piece of our personal finance curriculum to you so you can put your money knowledge to the test. Yeah, so later on in the episode, we're actually going to do a quiz between George and myself.

in our personal finance curriculum and see if we can get it right. You love anything competitive. It gets super like tactical though. Like it's not just like, what's baby step four? It's like talking about W-2s and stuff. And you guys will play along in the comments. But first, we created a special money quiz for some very special guests. So let's get them up here. What?

Welcome. Here they are. Hi, girls. Hello. Hello. Should we introduce them? Do the people know who these are? Why don't you say your full name and see if they get a hint of who they are with their last name. So what's your name? Caroline. What's your last name? Cruz. Cruz. That's right. My daughter, Caroline. How old are you, Caroline? Seven. Seven. What grade are you in?

First grade. That's right. And you? Amelia Cruz. Amelia Cruz. I'm pretty much 10, technically 9. We'll round up. That's right. When this airs, you'll be 10. Yeah. Yes, that's right. Yes. And what grade are you in? Fourth. Fourth grade. Awesome. Okay. I want to chat about money. Sure. Who do you think is smarter when it comes to money so far in life? Yeah, like who handles money the best? Like, what do you mean? Like, dad. Dad. Okay. Sure. Okay.

Not the answer I was looking for, but it's the answer I wanted. Between the two of you, are you better at saving money? I'd say yes. Okay. Are you better at spending money? Yes. They're both a gift. They're both a gift. They are a gift, yes. Okay. So we have some questions that we would like you to answer. We want to make Papa Dave proud. You know what I mean? He's watching right now.

From wherever he is. And he wants you to get the right answer. Oh, my goodness. Ready for this? Okay, we'll start with this one. Girls, what is a bank? A bank is where you keep your money. It's where you keep your money. You can keep some of your money or, like, borrow money and then, like, repay. That's right. Do you remember what that word is called when you borrow money and repay it? Mm-hmm.

Nope, I'm no-click. It's because you don't do it. Debt. That's why. Remember debt? That's my thought. And do we use debt? No. When you swipe a debit card, where does that money come from? The bank or like your account. Yeah. Ding, ding, ding. And where does the money come from that's in the bank? The government? Yeah.

No. Well, she's not wrong. She's not wrong. It could. But what's mommy doing right now? Working. She's working. So she earns money so she can pay it to, like, you know. Put it in the bank. Brilliant. There you go. Wait, do you have a bank account? Not yet. Do you have a bank account? No, I don't think so. Do you want one? Kind of.

If I need one. If I need one, yeah. One day. One day. Right now, if you get birthday money, where does it go? In my room. Oh, like under a mattress and you have a special drawer? I have like a special little box that I have. Where do you put the box? On the top of my shelf so Charles, my little brother, can't get it.

Oh, that's smart. I does that too. He steals our coins. This is an ongoing pattern from this young man. Does he think he deserves this money that you worked hard for, that you were given? No, he does not deserve it. Wow. He needs to work and earn his own money. What happens when he's tall enough to reach the shelf? Gotta find another spot. Let's hope he doesn't grow too tall. Do y'all ever lose money?

Not usually, unless I forget to put it somewhere. What's the most amount of money you've ever seen physically? Like 200 bucks. Nice. Like my dad.

He pulled it out and he was like, hey, 200 bucks right there. Were you impressed? Sort of. It's like this show. It's called Mr. Beast Games. Oh, yeah, that. How much money was that? I forget. It was 5,000. No, 5,000. No, $5 million. Yeah, that's probably 5,100. I think if you spread out the zeros. Okay. That's amazing.

I love it. That was a lot of money. Girls, why is it important to give? So like... It's good. So people who don't have money, it's nice to give to those who are less fortunate. And help people out. And like people who like need it the most. Kind of like donating toys or something that you don't use anymore. For other kids who don't have that much stuff, you know. Yes. And when y'all have done that...

What does that do for you? Kind of makes me feel better sometimes, but like sometimes like I accidentally donate a toy. Like you could do that and like not want to. That's fair. So you don't always want to give things away, but sometimes we have so much that we're like, you got to pick something. Something's got to go. Yeah. Is it hard for you, Caroline, to give or do you like it? I kind of like it. You like it? It's good. Depends. Depends on what it is. Classic saver and spender right there, you know?

We always say it. Give it away. Give it all away. Okay, this one's about mom. Can you be honest? I'll try. If your mom could buy anything in the world right now, what would she buy? A coffee mug or a book. Wow. So she doesn't have enough coffee mugs. I think we have plenty. Okay.

She just likes to have a lot of all of it. Or like new clothes. New clothes, coffee mugs, and books. Yeah, that sums it up. Yeah, I'd say. What about your dad? What would he buy? Maybe like some new tools or like... Bricks or something? No, no, no, like...

Like a new, I don't know, like, like, wrench or like hammer. Oh, yeah, a new wrench. So he would like go to like Home Depot or something and want to get some tools. Yeah, he does that a lot. So far he's been looking at like bird feeders or something. Oh, yeah, that sounds like him. I've heard he's into rocks.

Oh, yeah. Yeah. Like you in a garden. Okay. So can you go buy a rock somewhere? Do they just have rocks for sale? Probably. Like a bag of rocks. Yeah, makes sense. Someone's got to get the rocks and then sell the rocks. What are you saving up for right now?

Really nothing. You have everything you could ever want. Yes. Is there anything you want that mom and dad said no to? An iPhone. Oh. I'd buy another like pillow or something like a Squishmallow. Oh, I love Squishmallows. Let's talk about Target. You know your mom spends a lot of time at Target. A lot of money. She does. She donates a lot of money to Target and they gift her stuff. She doesn't always go. Oh.

Where else does she go? Old Navy. Old Navy? Yeah, that's a good point. Target. We do go shopping there sometimes. What about fast food? Normally you just order it online, like groceries and stuff. Like you never go to the store. Yeah, she never goes. Never to the grocery store. So lazy. Okay, so you're saying she's lazy, doesn't go to the grocery store. Kind of. Yeah, it even...

She does that every morning, every Saturday. Instacart. So a perfect Saturday for mom is she goes to Target, Old Navy. How does she eat? Yeah, exactly. How does she get food? She orders it online. Instacart. Okay, what about fast food? Do you ever get to go through a drive-thru or something? Sometimes. What's your favorite spot? Chick-fil-A. Chick-fil-A. Chick-fil-A. Chick-fil-A. What's your order? Probably fruit. Yeah, eight-count nugget. Yep. With like fruit.

No, Caroline, you don't always eat. It depends how hungry I am. Okay. True. Sometimes she's famished. You know how much an eight-count grilled nugget meal costs? No. Guess. Eight. Eight dollars?

It's pretty good, actually. Yeah? It's pretty spot on. How much do you think it costs, Amelia? It's an eight count. Because it's an eight count meal. So eight dollars. Because there's eight nuggets. That makes sense. Okay, that makes more sense now. It's in the name. Yes. They're counting out eight dollars and you get eight nuggets in return. Yeah. So a dollar per nugget is what you're willing to pay. Yes. Okay. That's pretty good. If you wanted to buy something at Target, how would you get money for that? Either by earning it or...

But, yeah, normally by earning it. How do you earn money as an almost 10-year-old? Doing chores. Like, doing chores. And, like, when Mom and Dad go out of town, I take care of June sometimes. Oh, so you take care of the dog. You get some money. Okay, what's the most lucrative chore, the one that would make you the most money? Taking care of June. I get 10 bucks for that. Cleaning the whole playroom. How much is that? That's only, like, five bucks, Caroline. Oh, she's making double taking care of the dogs. Exactly. Maybe you should switch.

Okay, so how much can you make in a week? If you do all the chores, how much could you make in a week if you really worked hard? I don't know. Mom doesn't always pay us for like doing and letting the dishwashers. Yeah, that's family. That's a family chore. That's smart. No, it depends though. I'm serious. Do you pay mom for cooking ever? Nope. That's what I thought. Some things you just do for the good of the family. Yes. Part of the family. What's your least favorite chore that you get paid for? Doing the dishwasher. Oh.

I love doing that. It's actually kind of fun. I don't always like cleaning the playroom because it depends on how messy it is. I don't mind cleaning my room because I know where stuff goes. Our stuff is mixed up. I'm like, does this go here? What if there was a new chore I could give you and pay you $10? Is there something you enjoy doing that you aren't getting paid for? For $10? Would you pick up dog poop in the yard? No! You wouldn't do it for $10? No, because when

No. I'd do it for 20. Because when I was a baby, Mom said she could do everything except dog poop.

Oh, that was her one thing when getting a dog. Because I gag. You gagged at the fish when you were cooking. I do gag. They bought a fish. And it was in the kitchen. I was cooking. I was like. Wow. It's so gross. It's gross. I'm very sensitive to animals. We all have our limits. Okay, can we do some math? I heard you're really good at math. I hate math. You hate math. I'm just throwing that out. And you got first place. I want to do it. Yes, so.

It's so annoying. In cahoots? Yes. And your class president as of today? Yes. Along with Cole? Yes. What did he do to deserve it? I have no clue. He's just the funniest in the class. He doesn't deserve it. You know what? Take down the patriarchy. That's what I say. That's what I mean. How much money is this? Ready? Count it in your head. Four quarters, one dime, and one penny. What does that add up to total?

No. Wait, can you say that again? Four quarters, one dime, one penny. I have no clue how much they're worth. $1.11. I do not do money. I'm learning decimals in school, so like, well, I just moved on from that. So a quarter is how much money? A dollar. Well, no. Four quarters. Sorry, four quarters is a dollar, but one quarter is 25 cents. Okay, so four quarters, one dime, one penny. What's the total amount? $1.11.

There it is. Well done. Good job. Good job, girl. Good job. Okay, do we have another? I think that's it. Any questions we missed that you think are important for the good of the group? What would you come to me for as your mom when it comes to money? And what would you go to dad for? I would go to mom, can I spend this on this?

And I'm usually going to say more yes than dad. Yeah. Dad's always like, why don't you save it for something? Like, why don't we like just save it for something that you need? Okay.

So what you're saying is the things that you want are just wants. You don't really need it. It would be fun to have. Yeah. What does he think you need that he thinks you should save for? A car. Why a car? We're so young. But if you save and keep saving, you might add up to get a car. You're still little.

Okay. Do you know how much... In the future. Coming soon. In the future. Coming fast. Yeah, you're going to be driving in what? Six years? That's scary. Do you know how much a car costs these days? $15,100 million. Wow.

Honestly, close. That's Mr. Beast money. You know what I'm saying? Okay, so what do you expect when you get to drive? Who's going to pay for the car? Have you talked about that? Maybe like half of me and then like half of like my parents or like my husband. So the husband buys the car. So at 16, you have a husband who pays for the car. Probably. I don't know. Okay. I really don't know.

I don't know the future. Nobody knows the future. But husband of 16 is a potential. I like this plan. Do you know what car you would want to drive? Yeah, I would get a white van. Or a gray van. Depends on how much it costs.

Good girl. Any kind of van. You just want a lot of room for activities. Or a convertible. Oh. Now we're talking. All right, girls. That was a really fun game. So we're going to let you go for a few minutes. But will you come back and do our Guilty as Charged segment with us? Yes. Wonderful. Okay, perfect. Thank you, girls. I love doing this. I want to do it every day now. Oh, do you? I really do.

Yeah, you love it? So fun. It's fun. Anyone can have a podcast these days. Anyone can do it. We'll just get you a mic. It's great. You're going to do great. So we were just talking about some of our favorite products that we've purchased with Amelia and Caroline, and we've got to talk about another favorite product, which is anything from Cozy Earth. Love Cozy Earth, George. It's absolutely incredible. Like the quality of the stuff, you guys, it's

It's amazing. And it's just beautiful. And I feel like this is a silly thing to say, but it's stylish. Like sometimes you buy stuff and you're like, oh, that's a weird fit. Like even the way it fits everything, it is wonderful. In fact, my brother-in-law, I got him a pair of joggers for Christmas and

He loved them so much. He bought another pair in a different color and then bought my sister-in-law some of the pajamas. And they were like, they're obsessed. I feel like you're now a low-key influencer. I love Cozy Earth products. I do. From the sheets, the robe, I wore it this morning getting ready. Like, I just...

I love all their stuff. The blanket is epic. My wife loves the PJ set. And so if you want to get some great quality products for the people you love or for yourself, they're giving our listeners and viewers an incredible deal, up to 40% off. 40% off. At CozyEarth.com slash smart money or use the promo code smart money at checkout. This is your best bougie frugal life. It's time. Some of y'all need to upgrade.

Yes. Cozy Earth is the way to do it. Go get you some athleisure from Cozy Earth. It's amazing. All right, George. So as we're talking about kids and money, let's break down some ages really quickly and just talk through some things that you can start applying to your own kids if you have them in your household to allow them to learn about money. Yes, that are age appropriate. Because I have a one and a half year old. There's not a whole lot I can do at this stage of the game. No, that's right. But as they get older, you'll see it really starts to pick up steam. That's exactly right. So let's start, I think like,

Three to six. Is that a good starting range? Yeah, I think that's great. Yeah, and this is where they can kind of start doing some small chores. They can start picking up after themselves a little bit, right, with your help. But to show this like progress, I think is what's important. A little bit of responsibility. Yeah, and just like, oh, there's toys on the ground, but if I pick them up, it is clean. You're starting to see this like causation of life when you do work. Wow.

what happens. And then also when they're this young, pay them, you know, on a couple of chores too so they can actually learn and associate that money comes from work. Yes. And a little chore chart goes a long way. We have Financial Peace Junior that can help with this. But it's fun to say, hey, if you help carry in the groceries, you set the table, you put the laundry in the basket, you get a dollar. Yeah, it's great. Yeah. And I would pay them right away at this age. And also, you know, no percentages. You don't have to be like, oh, you have to use this

specific amount of money for this or that percentage-wise. Just like, let them just save up some money, have some fun. And let them have some instant gratification. Again, there are like three, four, five here. It doesn't need to be complicated. So just encourage them with some positive reinforcement. All right. Seven through 11. Here's some chore ideas. Feed the pets, vacuum, bring the mail in, fold and deliver laundry,

pack their own lunches, and load and unload the dishwasher. Yeah, we heard Amelia talking about how she loves unloading the dishwasher. I know, dishwasher is one of my girls. Caroline, on the other hand... Not so much. Not a fan.

Not a fan of the dishwasher. And then there is where you can kind of pay them weekly. So this is the age that my kids are in. And I'll just say, it is hard. It's hard to keep up with everything. And I've just noticed for me on my phone app, I will put like if they've done something and I don't have the cash, I'll just like, I'll put a note. Yes. And then it's like, okay, now here's, you've done a couple of chores together. Here's some money that I can pay you. And this is where you can start to introduce the idea of commission. You do this, you get paid. Yes.

And yeah, yeah, you work, you get paid. And this is an age I would split up the money into giving, saving, and spending because you want them to do all three. I understand. This is the only three things you can do with money and it's good to do all three. All right, ages 12 through 18. So at this point, they can do things like babysit younger siblings, mow the lawn, wash your detailed cars, work at Chick-fil-A or Target, referee sports games. So there's some things they can be doing. Once they kind of get in the mid range of that, like 15, 16, you can get their own checking account, like a student checking account under yours.

so they can learn about having a debit card, an account, all of those things. But they really start becoming more and more independent with money, which is great. You want to like loosen the rope a little bit. Yes. So when they're out on their own, they've been doing it.

And that's the key, is by the time they're 12 to 18, they already have the foundation, the principles down. Now they're living it out. They're kind of becoming a little more independent. And it's becoming more real. I mean, they're actually getting paid. They got to figure out what a paycheck looks like, how to get it into their bank account, how to use the money, what happens when you run out of money. If Americans got a hold of this, we would not be trillions in debt.

That's true. Just the basics, George. We just need the basics. It's that hard and it's that easy. So parents have a large role to play. And you wrote a whole book called Smart Money, Smart Kids that is incredible, that really helps outline all of this. So be sure to check that out. We'll drop a link in the show notes. So being a Ramsey personality, one thing that I love being a part of is our high school curriculum. So we have foundations and personal finance. And you guys, this has been taught in 45% of the high schools across America, which is crazy. And we have a lot of high school students

It's like 7 million students. Wow. And so it's just incredible. And we love the teachers that teach this. We so appreciate a lot of states. Absolute heroes. Yeah, are mandating financial literacy, kind of what we were talking about. So we do love seeing even legislation from a higher level come into play to really be like, hey, we need to teach our teenagers how this stuff works. And George, we know the teachers.

In schools, they work so hard. And so our Department of Ramsey Solutions, Foundations and Personal Finance, our curriculum department, is actually giving away some vacations. A little teacher appreciation giveaway. For some teachers out there, yeah. So one teacher could win a $5,000 gift.

trip, a vacation, and then two teachers are going to win $3,000 vacations each. Yeah, so you can enter to win April 1st through the 30th, 2025. Teachers of any subject, pre-K through 12th grade, and homeschool teachers are eligible. So if you're a teacher, you have a teacher in your life that you love, send them to this website, ramsaysolutions.com slash teacher. No purchase necessary.

All right. Our team has pulled some questions that came out of our personal finance course, and we're going to see who can answer them the fastest. It's going to be super fun, George. So play along at home if you're listening or watching. Drop your score in the comments. If you get them all right, I think you might beat us. Unbelievable. This might be hard. Now, before we get to that, one thing that is so important to talk about is your internet safety. Look at you. Because you don't realize how often you put your information out there, and companies like Delete Me, which is a

wonderful subscription. They go in, you guys, and they remove your information because companies will take your information and then sell them to other companies. And we don't like that because that means you're gonna have a lot of spam, a lot of scammers, all the things. Yeah. So if you want to protect yourself,

Get Delete Me in place. They do this all year long in the background and they'll send you these reports every other month showing you what they did, what they found, what they removed and how much time they've saved you. I'm up to 77 hours and they have removed me from 240 data broker sites and reviewed over 20,000.

Yeah. Who has the time? Delete Me does. Delete Me does because that's what they do for you. So we love Delete Me. So make sure to check it out. Join deleteme.com slash smart money. We'll give you 20% off any of their annual plans and it is worth every penny. Get this done today. All right, George. So Kelly has, she's out actually sick this episode. So Alex, our wonderful producer here at Ramsey,

has stepped in, and I think you're actually going to kind of moderate the quiz for us, Alex. Is that correct? It's a big job. This is a, yes. You feel the pressure? I feel the pressure. Rachel's very competitive, so. It is multiple choice, right? Let's keep it above the bed. We got multiple choice. Multiple choice questions here. Okay. So let's start off with an easy one. Number one, what is an example of an appreciating asset? A, a home, B, a new car. A.

You can't, but they have to hear all the answers. They're playing along at home, Rachel. This is speed round. I think you could say it. I think if you hear the answer. What were the other ones, just so Alex can feel heard? Thank you, George. New car purchased within the past six months. A piece of farming equipment.

A computer used for business purposes. Okay, it was A, a home. Yeah. A home is the only appreciating asset there. All right, y'all ready for number two? Here we go. The average college student in America graduates with blank in student loan debt. $35,000. Just say you cheated. She's right. Just say you cheated on the class. I know it. I know it. The other answers were- I know it. I just did a college section and a talk. For everyone at home wondering why Rachel's ruining the game, this is just who she is. Okay.

George, you need to pick it up. Maybe you should be filling the blank. I didn't know we were playing like that. Here we go. Three components of compound growth are money, time, and... Rate of return. Dang. That was good. Alright, number four. Blank is an official ban on trade with a country. A. A tariff.

B, rationing, C, a quota, or D, an embargo. Embargo. I'm going to give that one to George. Slightly, slightly ahead. I think we're neck and neck. Two and two, maybe? All right, all right.

Okay, number five. Federal Deposit Insurance Corporation, FDIC, and National Credit Union Administration, NCUA, keep your money in the bank insured up to blank per account. $125,000. $250,000. Final answer. It was $250,000. Oh. $500,000 if it's a joint account. Bonus answer.

It's good to know. We tell people to join bank accounts. What they don't know, they're protected up to half a million. That's good. That's good info. America to know. For account category. All right. Number six. What is the main IRS form that most Americans use to file their taxes? 1099. You're just going to keep saying numbers? All right. Is it A, form 1099-

B, Schedule C. C, Form I-9. D, Form 1040. 1040. That's the one. That's the one you actually use to file. Shoot. Yeah, it's a 1040. So the W-2, the 1099, those are income, but that's not the actual return. Oh, fine. All right, two more. Number seven. Stupid. What does the Form W-4 estimate? Withholdings. A, how many tax returns you need to submit.

B, how much money you'll spend in that fiscal year. C, how much tax you'll owe based on your personal situation. Or D, how much income you should be making. It's C. C or D. I'll give it to Rachel. It's C. But then you said or D, so now I feel like I should win that one. No, it's okay. It's C. It's fine. It's great. It's fine. Okay. So repeat the answer for us. How much tax you'll owe based on your personal situation. Okay. Okay.

That doesn't feel like a dictionary definition, but I will let it slide. It's close enough. All right. If you need to change your withholdings, it's the W-4 form. Yes. Okay. Exactly. There you go. All right. All right. Number eight. This is the last question. Okay. All right. Here we go. What type of interest rate is locked in and won't change for the life? Rachel gets it. Sorry. Not sorry. Not sorry. I think we tied. Yeah. It's close enough. We tied. Yeah. Four to four, George. Isn't that fun? Yeah.

Is it fun to tie? No fun. Do you watch a football game where they tie and you go, isn't that fun? Isn't that fun? That means it's a good game. Now we have to go into overtime. So we like that. Oh, an overtime question? Yeah. All right, overtime question. Wait, you have it? No, he doesn't have it. Oh, I was like, oh my God. Unfortunately, I don't. Oh man, y'all. Well, that's good.

I think we've learned a lot. These are pretty hard questions for a high schooler. Yeah, these are intense. So I'm impressed. These are intense. I do love when high schoolers go through the curriculum and they go home and they're teaching their parents about personal finance. Yes. Oh, it's the best. So here's what I will say. This is some final thoughts from me.

parents have a lot of guilt and shame and baggage when it comes to money. And there's a lot of things they don't know. And therefore, they don't want to talk to their kids about it. But guess what? That means your kids are going to learn it from TikTok or whatever they heard on the bus if they're not going through our curriculum. And so it's on you as a parent to make sure your kid understands this. No, it's so true. And it's so fun too because we have...

seen people that have taken the high school curriculum and now they're like, oh yeah, I totally took your curriculum in high school. And because of it, I chose the right college that I could afford. I stayed away from credit cards. Like they do it all. Saved up cash for a car. Yes. So it is proof that your kids are listening and they're watching you. And so yes, you have such an impact that you can make because we've seen that. So we love it.

It's important. And the earlier you get it, the better. I don't want anyone out there to go, man, I wish I had this. Well, listen, the best time to plant a tree was 20 years ago. The next best time is today. So it's never too late to learn. Wow. You like that, old man wisdom? Wow. Farmer George. Can I tell you, George means farmer in Greek. No, it doesn't.

Google it. Unbelievable. Felt it in the spirit. So good. Thank you. Okay. Well, let's bring the girls back for our Guilty as Charged and rate our drinks. All right, girls. Welcome back. Now, before we spill the tea on Guilty as Charged, let's rate our drinks. It's a lavender lemonade mocktail. It has... It does have glitter. It's

So I'm drinking glitter right now? Yeah, unfortunately. I thought the same thing. I'm glad someone's with me on this. I don't care if it's edible. I don't think we should be drinking it. What would you give the drink? I'm going to give it a six. Wow, really, George? I want it to be more sour and almost more sweet. It almost isn't enough, but I like it. Eight.

We got an eight. All right. Seven and a half. All right. I'm the highest. I'm a nine. I thought it was delicious. It was good. Yeah. Okay, here's the last part. Guess how much the drink costs. Just making one of these, how much does it cost when you split it all out? Five what? Dollars? Dollars.

Okay. Is that too expensive or too low? No. Well, how much did it cost us to make? Not how much would you pay for it at a restaurant. Like individual like items? Yeah, if you split it up. You got all the ingredients. You made it at home. What does it cost per drink? The glitter is probably like two bucks. And then like the lemons are probably like three, five maybe. Five dollars for one lemon? Okay. Okay. Or like...

$2 each lemon, so the lemons put together would be four. Okay, so how many lemons are in a glitter would be two, so that's six. And it has sugar and water, dried lavender buds, and butterfly pea flower tea. Did you know that's what you were eating, a butterfly? No. Wow. Yeah, that changes your rating, doesn't it? No, it's not an actual butterfly. It's a type of tea. Oh, okay. That made me scared. It's a flower. Okay.

It's just the name of a flower, and then for some reason they decided to put the flower in our drink, which I think is not okay. Here's what it comes out to. Ready? 23 cents per drink. No. Less than a quarter.

Unless they would, I don't know why the team would lie to me. Wow, that's a cheap drink, y'all. Pretty good. That does not cost a lot of money, does it? No. So give it a try this weekend. We're going to put the recipe in the show notes and let us know what it costs you to make because I don't even know where to get these ingredients. Unbelievable. I don't know where to get edible glitter. Exactly. George, I think now it's time for Guilty as Charged. And this is where our producer, Alex...

is going to give us a new Guilty as Church question. We get a new question every week, girls. And if you're guilty, which means if you've done this, you gotta take a sip of your drink, okay? All right, Alex. So this question's for everybody. So girls, weigh in. All right. All right, here we go. Have you ever bought something...

Oh, that's a good one. No. Never? Nope. You used everything you've ever wanted in your life? Anything you've bought that you thought, oh, I probably shouldn't have bought that. Clothes. A pogo stick because it was too hard. Oh, but I took the pogo stick. You gotta drink it. A million. You're guilty. You're guilty. I'm guilty too. The old pogo stick. I really don't think I did, but like I... Wait, did you get a pogo stick for free? Yeah, I did.

Very generous of you to donate it to a friend.

After I gave her the pogo stick, I'm like, let's buy another one. Like an easier one. Because there's like this one where you pull up something and then you like hold it up and it bounces. Oh, it does a little bit for you. Yeah, and it squeaks. It's so annoying. Charles likes to do it. He's like, I do it all around the house. But it's hard to go down the stairs. Yeah, I would not suggest that. It feels very dangerous. Very dangerous.

Okay, so we got a pogo stick. It was a drama moment in the house. The pogo stick drama was very real. I feel like you should give her something in return that you're not using. I'll think about it. All right. That's good. She's not going to think about it. How about you? What's your last regretful not used purchase? Last regretful purchase. I bought two dresses. I just saw this in my closet recently, so I'm thinking about it. I bought two dresses for our Christmas party, for Ramsey Christmas party, and I didn't wear one, and there was one I was going to take back.

And now if I do, it's on sale and I won't get as much for it. And I haven't worn it, but I might just keep it. I'll see if I regret later. That was it. That is really sad. I think it's close. You know what I thought? I thought I could be a sweater guy.

And so I bought some like nice sweaters. Okay. And I never pull them out and go, I'd love to put on a sweater today. I'd love to be hot indoors and then regret it and then not be able to take this off. Okay. That's fun. But hey, I'm glad that you have no regrets in life so far. I've had different like, I don't know, like different things that I've regretted, not like by buying something. Not stuff you've bought. She's a saver. And Amelia, she waits a little bit to buy something. I would say, yeah, you're not as impulsive.

How much are you looking to save? Like, what would be a crazy amount if I could save this much? It really depends on, like, if I'm saving for something. $500? I don't know. I don't think I need that much to, like, buy something. Yeah, that's true. What are we buying out here for five? Like, a video game system? Something that you need. But you guys have everything you want. Your parents take care of you. For now, yeah. You're not suffering at all. You're living a great life.

Yes. Okay, my one last request. Can I come over for a pool day? Yes. Of course. Yes. Anytime you want. We got it on camera. Can't take it back. Come and swim this summer and bring Mia, his little girl. Probably not. Oh, yeah. Can you teach my little daughter how to swim? She's only one and a half. I'm not a very good swimmer. Yes. But you're saying you could teach a one and a half year old how to swim? With floaties, yes. So they wouldn't...

Sure. I appreciate that. Pool safety. Very exciting. Number one. Well, thank you for answering honestly for the Guiltiest Charge. And we need more of those questions. So for everyone listening and watching out there, DM us your Guiltiest Charge questions you want to see answered on the show at Rachel Cruz and at George Camel with a K. And maybe you'll hear your question in a future episode. Well, girls, thanks again for coming in. You're welcome. Spending your afternoon with us after a long day at school.

Thank you, thank you, thank you. Love you both so much. And if you guys loved this episode, make sure to check out the episode we have of I Was Today Years Old. You can click the screen for that one. Or if you're listening on podcast, we'll put a link in the show notes. Make sure to subscribe to this channel so you don't miss an all new episode of Smart Money Happy Hour. Cheers. Wave to the nice people. Say bye. Thank you.

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