Reacting to People’s Money Fails (So You Can Feel Better)
38:34 Share

Hey, guys.

is richer and George, and we've got exciting news. Ramseys Christmas cash giveaway is back.

That's right to go to ramsey solutions dog comes that give away for your chance to win five .

thousand dollars. Merry Christmas and good luck.

Hi guys.

i'm racheal cruise. I'm George camel.

and this is .

smart money. Happy hour. Here's orge. cheers. I can wonderful.

Well, this is the show. We're two friends who happen to. Many experts talk about what you're talking about. So everything from pop culture, current events ends money.

right? So you know, when someone else makes a mistake or they do something dumb, you kind of relish in their stupidity. Sometimes just a little.

My good heart says, no, I think, but enjoy some time .

with other people. Experience pain.

my god.

Well, the german called this should freedom friend. That was a good effort. I like the whispering.

In case you are kind of wrong, i'm no expert. Some people call the karma, others call IT justice. And we're calling at the topic of today's conversation with their financial twist, of course, first.

always. Yeah, what are .

we is called an illegal .

cocktail.

Okay, what if I don't know why anywhere, anywhere at that .

point and a legal you want more .

on this stick around, we're going to give you the rating, reveal the cost per glass. And as always, recipe on the showed tes. So stick around to the end.

So George menu, both host menu, you and I, we all host the ramsey show, which is a colum show. So we get people's questions, flash problems. I mean, I ve that you you're get hit with IT and it's like, alright, what do we think? What's the best way to guide these people? But we hear from some people that they love listening to the rmc show just because IT makes them feel Better.

Great example of .

the show themselves.

It's like, well, my life's not that bad, but I didn't something that done with that. He was stupid.

I would never do that. I'm smart.

not rate. It's not the reason I listen to the show. I listen to hear rats wisdom whenever I go.

But that's not the only reason people listen. Sometimes they're some great, uplifting stories now that happened.

inspiring, motivating.

Yeah, that's there too. You learn something yeah for sure. But I do think when you hear people's failures or mistakes, I do think that you can learn through that, but you don't have to make them personally. You can see something happening or hear something or what something is going through anything, huh? I could make a different decision if i'm ever in that situation.

if I ever seem like the underwater car loan. It's like a hot stove. You hear that enough times you go, maybe I shouldn't ever touch a hot stove. Yeah, yeah. Shouldn't take on all that debt.

yeah. This is a theme, and I want to learn from IT. But you we hear that on me to show, but where else you can hear that, uh, is the internet.

The internet is full of stories of people that have done not very smart things with their money, and again, not to relish in their pain, in their problems, to make us feel a little bit Better, Better lives. But there are some extremely out there. And whenever you need extreme content, you go to read IT.

That's where they hang out. I don't know why it's the most honest place on the internet where people can anonymous ly share their at the darkest fears and moments .

and I think i've been on this site maybe three or four times in my whole life. I don't live in there like you do.

so I don't live in there, but it's a good place to get some honest takes. I can't trust the internet more.

Trust.

read IT well when they trust.

but I feel like they .

have nothing to lose.

You know, mean, all ool.

Let's take a look at what they said was their worst money mistakes. You know, for learning purposes, not for fun or joy.

This one's going to be a, usually this one. This is a grumpy kitten. Five, fourteen.

Are there of that many grumpy kit? There are five hundred or I joined the military at twenty two, and because i'm an adult now, I opened like five to eight credit cards and spent IT like IT was real money. IT didn't help that.

I was an e three in my entire work section, was filled with e five, e six surgeons, some of them, even dull, military, married. So they had money. So I figured, I want to fit in.

I got ta act like them, be like them, spend like them, new tires and rooms of my camera. Because why not new computer stuff, any video game? I wanted jewellery from my girlfriend back home, playing tickets to fly her out. All in all, I read up about twenty five to thirty thousand dollars in credit card that that's the money mistake.

That's tough and what's hard. And i'm sure a lot of people feel like this two. But you know, he said he was an eight three with e five, e six surgeons, meaning that like the pay is different, right first. So he's the lower end of that. And when you try to keep up with everybody around you, that's like that's the classic keeping up with the Jones is right you you may not even know what people make, but whatever they're spending and living on and you see the life style, you're going to try to match IT regardless of whether you have the one you're not so that credit or debt racks up and small rims for the cameras.

It's the ribs on the camera for me. And what he said that was like, is that what everyone's doing these days because that was considered how they do cool.

But this is an easy thing .

to do when you're using other people's money and paying back later is just sort of easy. You're hoping you're thinking, well, I just pay if I can make the monthly payment or i'll just pay. The baLance often fall.

The problem is life hits you and realized I can't afford all this crap that I bought you all the sudden twenty two percent interest on these cards. And so the easiest thing to do, if I could talk to mr. Grump y kitten himself, I would say only use your own money that you have now and make purchases based on your values and .

no one else is yes and no. If there's people that your surrounding yourself with that make more than you, clearly it's unknown thing right just now. Okay, they're making more than me and I don't have as much as them.

So my lifetime is probably not going to match. But there is a plus. They said married and you know dual income, all of that.

So I think dealing in reality and saying IT out loud is so important, so important. And when you spend on credit cards, we all know this. But just as a reminder, you will end up spending more the spontaneous purchasing. And you know all of that in the moments goes way higher when you're spending other people's money.

not your own. If you're wondering between Rachel I we have zero credit cards .

collectively collect and .

we like IT that way.

It's right. All right. Let's look at a traditional donut, nine O A oh little regular glaze, crispy cream. You know nothing .

wrong with traditional what they said.

buying a house twice when I knew there was a strong chance that I wouldn't be there. Five years later, first one, I doubled down on stupid by taking money out of retirement accounts for the dawn payment. 没 shoot。 Okay, so first rule of the mistake.

Yes, you want to be in a home for at least five years. So you're know you're going to be moving consistently like prince, right? Or if you're at a job or travel mirrors something, you know you're going to be there for six months or a year. Events do not go and buy a home unless you know that you going to be there five years or more.

I just to get the full value out of home, think about closing costs and moving expenses and your home may not appreciate short term. That's right. So you could be under water and you're not going to enjoy in this purchase. So definitely bad. And then taking money out of our time.

talk about ever or for any .

reason unless you are going to face bankrupt or foreclosure. Er never touch your retirement accounts before your other retirement age because number one, you have to pay taxes on all that money with penalties and fees. Yes, you're talking about like you're basically borrowing at like thirty five percent .

interest to do this. It's so much and then you miss what the markets going to do when the money was not right. So you've bought in and it's grown. And then when you take all that growth out, all that money out, then you're starting completely over and you miss so much on the invest plot.

the making compound growth machine that hurts. That one's brutal.

That one hurts.

Yeah the same goes for not just withdrawal from your four one k but also loans against their four one k think Rachel, my money, i'm just borrowing against my own. Listen, you're doing the same thing. You're unpacking the growth and paining interest on .

that money not worth yes. And if you leave that job, you're in.

oh, yes, they like.

want that money back? Yes, no. Good, good.

yeah. So just rent. Don't buy before you're ready. All right, speaking of taking money out of our time and the next one is longer. But it's a thrill, a real roller cheater.

And so get ready for some creative story telling from user name. No need for that ninety nine. Why the numbers? But the numbers aren't really adding anything here. And I thought ready IT .

was supposed to be well, I guess that is an is, I guess, no need for that. We never know who that is.

It's a fun one.

at least I think I would have an attitude screen .

name for ready. That would be your red IT user name. stop.

I don't know. I don't stop. Stop IT.

Stop IT OK. No.

no.

no, no. You didn't forty seven. You have to have a number.

All right, no need for that. Ninety nine. Here's what they had to say.

I had saved up two hundred and fifty dollars for a perm. Thank you for adding the son, Kelly. You said that I always wanted one up, never mind.

And a man was shoulder like hair. Take that back. It's been difficult to save up for me, but I did IT.

Okay, so limit. Let just recap where we are. So far, a man with shoulder lang hair saved up two hundred fifty dollars for a perm. And IT was difficult, but they did IT got IT are you tracking?

And then I took this up, my cock, and I could IT, because no need for that, a guy.

No need for that. No need for that. But you needed a perm, apparently. Okay, so i'm picturing.

like some bobo, you can do man with .

shoulder length hair saying, I want a perm. I need a perm. Two hundred fifty box later gets the perm.

I get to the hairs. Elon and some old lady said, should do my hair, throws me high ball Prices. And I refused because I only saved up to fifty. good. Finally, we make a deal for three hundred.

Okay, negotiate.

Good for him. An hour goes by, and people start coming into the slam for the other hair dressers. And everyone is amazed by who's at my station. Turns out he was old for a reason.

Is an age the only reason your old come to find out she's a world now in a hair dresser and wanted one more chAllenge in her life because he doesn't cut real hair anymore? SHE then explained that the few customers SHE kept off and pain. A thousand dollar range I had showed up there look like a caveman coming out of coffee when we were done.

I looked fantastic despite getting my near arrow straight. And my hair was unfair. Ged, by the perm, crazy.

Then I somehow got convinced. Ed, by hair products and a new hair brush. I think I was overwhelmed.

I feel like I had out of body experience because I am really strong willed. And at the total of all of this was five hundred dollars. Long story short, never get your hair cut by a master hair.

Dss are coming out of retirement. That was nuts. And I ended up taking money out of my R R S. P. So I survive the rest of the month until my rench.

Oh no.

on here.

Oh my gosh. And R S P is canadian register retirement savings plans.

So specially cave.

This was in canada. I do have empathy for no need for that um because there is something when you're like at a salon or you've, I don't know, done anything in the beauty department so himself through you a facial, then you go the front I oh when they use this and this and like they they will throw away a lot of products at you. And if you're not prepared emotionally and mentally and spiritually for that experience, you can be taken out like it's so easy like, oh yeah okay you forget more .

of their job is to sell the products and they get commission off of each product now so yeah.

I ve got to similar that down, write down the products. Go on amazon, buy IT somewhere else for cheaper probably but yeah, that it's easy to get cohorts into buying stuff when they're all like right there and just like, oh, here, here, here so I have a level of empathy for him.

You I just really want to see this hair like, i'm desperate to see what this looks like he said. SHE nailed IT and i'm like, what does a nailed perm look like on a guy? I am like, yes yeah and the number two, robbing your retirement again, terrible, terrible move. You need time and compound growth and when you robb yourself of that, its hurt. You now end in the future yep.

So don't get talked in to spending money. You don't have people all right, next up. Oh well, get ready for chat.

Are you ready for this one? Jeff says, my trusted, I trusted my friend with ten thousand dollars in cash to open a hint. Farm nine red flag. Dude ended up taking no one's advice. Started doing drugs regularly.

Have to discovering the grateful dead correlation of caution and going from a straight light fellow to a due who lost all ambition due to being high the time. I'm never going to see that money again. He just got expensive ring for his fiancee has been taking trips to see people like widespread panic eeta all while never paying me back. He wouldn't take anyone's advice. And whenever he is a new idea, he's basically .

ripped off someone else out.

Man, jeff.

okay.

so sorry.

I I should feel bad for jeff, but I don't.

I mean, sorry, a hint form.

I feel like you know what you're going into and you give your body ten k for the end farm yeah, you should know i'm not .

going to see this probably context clues.

Jeff, got to help you. So we say never mix money with friends or family because you will lose both, lose the money, you lose the friends or family. The transaction changes the relationship.

But if jeff want to give ten thousand dollars to his not even return, that's a different case, right? So the idea is, if friends or family are asking for money or want money, give IT to them if you have IT and if you feel like this is a healthy decision um without strings attached. So the idea that you I will just give IT and we don't expect IT back. We don't want to back because immediately when you start lending money and expecting a back, you are judged most of the decisions that they are making. I know he's judges judging is old him farm friends through all of his decisions there there be like, no, you you tell me money and here you are going on vacation or here you are buying a new car, whatever you're doing, but used to do with money.

Same thing happens when, like parents lend their kids money for something like our house and the kids are on a vacation and they haven't paid the parents back and the parents are gone. Wow, looks like you guys had a nice vacation that just awkward.

Or maybe the parents don't care, but the kids are the in law. Thank you. God, be all your parents money. We we need to pay them back like like there's always going to be these emotions around IT, and it's just not worth that. Life too short.

people too short. And if you want to invest in a business, go for IT. But the chances that your friend is going to be the one with the idea that pays off and or wise and gives you your money back five or ten fold, yeah, you're fooling yourself probably. Sorry, jeff. My.

yes, you know how much you can follow yourself. George, thank you that your information on the internet is safe.

I see what you're doing here.

IT is not. Do you know that your information from your home address, cellphone number, I means so much is out there and you don't even realize IT. And until you start to see that there are spammers and scams out there that are using IT and using your imagers, everything you're like, hood sh, I want this to stop. And the way to make IT stop is to use delete me. This is a great service, you guys that goes in and actually removes your data from data broken websites so that your information isn't being bought anywhere and you can have A A cleaner record on the internet .

so you feel like your profile. Here's the info. Yes, I live here. Yes, i'm later this person and they will scrub the web, find all these places, fill out the correct forms to get IT removed, and then they send you the port and how much time you saved. I'm up to forty four hours.

I think thirty eight was my last catching up. I know I was so .

good that up you can beat me at one more thing she's competitive with. So be sure to check them out. They are giving our smart money, happy our listeners one percent off any of the plans. When you go to this website, join delete me dot com, slash smart money, or you can click the link in the description below. All right, but great for the next one.

This ones .

from cheeseburger with all trees and burger spell B, R G R special. How we do in america. There's a time for a check in because this, where we're at, like like really that bad.

And they have time to come up with cheeseburger with three. And abbreviations are right. This ones, at one sentence she's burker said, I took out a thirty seven thousand dollars one to bet on game stop and loss.

Mean, okay, let's talk about this whole game stop thing, because I think IT be IT ended up becoming this trends of people thinking I can short to stock on my APP from my house and become a gazza, an air, right? I think I kind of became a spouse hope because that was real right that day. Like genuinely people made turn the money off of IT.

But that's not the norm, like that's not how this all works. So and just frustrating to feel like people think others a quick way to do this and to make a lot of money really quickly. And then they go on, we take up thirty thousand thousand.

It's one thing hurt enough to spend thousand dollars of own money going to death. Thirty seven grand loose and still oit and .

still pay a back over to uh .

with interest yikes not good .

and actually wasn't read IT one of the yeah he was .

a bunch of people on reit that kind came together so you want to read the summary or yeah I .

do IT yeah yeah the high level so Normally.

game stop stock wasn't worth much, obviously was kind of turn to go down. Now a lot of people going to a physical location to buy their games anymore. But one day the Price suddenly went up.

And it's because of a bunch of reddit ors who worked together to buy a lot of game stop, stop at once, making the Price go up, superfast. So kind of things supplying the mind. Here then came the short tweet, which is also what I call my wife, hogg's me.

So basically, some rich people bet that game stop stock would go down. They short the stock, meaning they borrows chairs to sell, hoping to buy them back late or for cheaper. And that way they take money off the difference when the Price of the stock went way up.

Instead, they had to quickly buy more of the stock to avoid losing even more money, which made the Price go up even higher. That's the short squeeze. So they read of people, they bought game stop stock early, made a lot of money, and the rich people who bet against game stop lost a lot of money. So in summary, a bunch of people work together to surprise some really rich investors and kind of screw them over and made the stock Price of game stop go really high, causing some to make money and others lose IT incomes in all the people who thought i'm going to get rid of this, too little late, buddy.

let that happen. IT already happened, but people kept jumping in.

Make can happen. And why I don't like investing in one company in a single stocks is just too valuable. Obviously, this is a crazy example, but I don't own any single stocks. I only own mutual funds and index funds, which are giant groups of stocks, and investors pull together to buy those shares.

yes. So when you think about buying a stock, you're buying a tiny, tiny, tiny piece of ownership within that publicly traded company. But instead of just focusing on that one company, hoping, gosh, that that's going to do well, if you spread out and buy a bunch of little stock from a bunch of bunch of companies all in one, fine, that's a mutual fine.

So you're of spreading your money around, which again is a slower ing risk, is pRobing, not as exciting as like day trading in the Robin hood APP and like all the stuff. But honestly, you're putting your money and your hardened money that you worked for, knowing that there is a guarantee that you're going to make money. The U.

S. Economy over time has gone up, but that is the truth. And so putting your money in something that you for sure will make money on is what key. And you're nuts.

Gambling IT is basically we never, ever, ever go into debt to invest. That's only you how you .

have and invest wise are last when George you ready for this and wastes forecasts, says in twenty twenty lots over two thousand dollars worth a .

cyp do on OK OK OK. Yes.

because I had no stop loss on emerging and get this, my bee mouses battery died. I couldn't get out of the trade manually, where I only would have lost one five hundred dollars inside when, but when your marine trading time is of the essence. So I tried to close the trade with the keyboard, but there were so many boot options that I was sifting through the tab that I was losing even more money.

Well, was trying to do that. I raised to another room in my house where I had to get a battery, go back to my PC, switch out the battery. But by the time I got my mouse working again, my position was wiped out automatically. I was taken out of a mouse.

I think the al lesson here is, use a mac. What are you doing who's kind .

of mouse max have mouses don't think yeah.

they do yeah, but I bet they last longer than this PC just .

don't use a computer.

use your phone. Well, my guess is this guy is a gamer or he's using IT to clipt domain or something. He's got a pretty intense PC. It's a whole. It's a whole .

kind of whole set up, right? Man, recipe the confession because that that sucks, let's be honest, your battery runs out on your mouth and you end up losing all this money .

because that that's not fun.

Also just know crypto, it's risk you guys, it's not worth that. It's a gamble I give you. I've done everything with money wisely. You're investing in retirement, you paid off for debt, you have an emergency fun and you get some ex tra money and you like, hey, I want to go to vegas simply ay crops so I want to buy crept, right? If it's just throw away money for you and you choose to do IT, that's up to you but do not use your harden money thinking, oh, this is going to make me a lot IT is such .

a game there. So many scams in the world. Hackeris told four hundred million dollars of Crystal in the first three months of twenty twenty three and security experts celebrated that number because at seventy percent less.

And what was stolen in the first three months of twenty twenty two? Oh, no. So it's like crime was down in over year .

and it's still insane. We're like, good, you know, in the right direction. Yeah cyp do you guys not not worth IT, not worth IT. But man, there were some lessons in their George.

I do feel Better. I wouldn't say derive a lot of joy from any of those. yes. I mean and when people lose money is sad you know absolutely I don't actually enjoy people's pain yeah um unless it's just funny and like they recovered already you know the more time that's past since you can feel Better to laughing about IT but in the middle of ve that you don't want to a laugh .

at any that's tough so and there's .

no shame here like ana montana says, I know you know everybody makes mistakes. Everybody has those days. It's to client. It's just the client.

I don't know what to tell you.

Um let me share mistake I make. I often care too much. I work too hard chess, and sometimes i'm too nice to people .

like get taken advantage of orge and takes you want to share today such a good person.

You've shared the, you ve got scam ed by a fake usp and I get.

I get dms i'm my kidding probably once or twice a day of people and someone today takes me picture of IT and they ever calling .

IT the Rachel oh, wow. We did have a text spread with a few of us and we were sending whatever we got scamp test send to you be like, thanks raj, not found for IT thanks to you.

Just the lord's work. I walk so you all can run yes, I like to say in the scaling world .

my wife call, I don't answer. Scan probably came likely they can spoof names.

Now I know it's intense. Yeah, that's try. My most recent money mistake for sure was IT was a good old game.

It's a good one, not good. My most recent buying vegetables, trader joes that go badly.

too quickly. Oh no. What money .

wasted when I have to throw away that food? I just feel bad.

Yeah, there was like a crazy sad about how much food americans are away.

I'm an aspirational shopper when I healthy foods. Oh.

man, okay. So I feel like a lot of the red IT spread IT was kind of these like extreme situations, right? Like borrowing money to help a phone with a hep farm to crip down a lot of investment mistakes to a perm.

You don't mean like it's IT see things that are not cornal quote Normal everyday things, right? So I think that's a good learning that when something is out of the ordinary, it's probably not gonna line up with common sense, right? Like there's something that's like IT is so out there and the more out there IT is probably the more likely .

you are to lose money.

So keeping things too good to be true IT is so keeping common sense, you guys at the forefront is .

so clear and it's a superpower have sense these days. And so here's some examples. Don't spend more than you make and we laugh and go, ha ha, that super simple. AmErica wouldn't be in debt if we actually did that.

Yes, make a plan for your money OK doing every dollar budget every month. Take the income that you've work so hard for and plan IT out nowhere mony's going. And we can drop a .

link in the description or shown notes to every dollar if you guys to check out for free. Here's one, don't try to keep up your lifestyle with people who make more than you or anyone for that matter. And this one's hard because you want to live up to the way they're living, whether is your parents or your friends or your co workers, and always ends up with you being reasonable and spending more than you make.

I'm sorry. Also, don't sacrifice long term gain for short term problems meeting. Don't take money out of your investments that are going to help you long term to fix something in the present, like figure out how to fix that now and let us continue to grow.

That's a good one. And here's one that I love to say. If you fall for the trends, you'll fall for the traps.

That's gear game. Stop shorting crypto. The hand farm investment just don't do IT be wise.

like an amazing .

opportunity that everyone is doing. Maybe you for away.

Well, I hope we all learned something in this episode. You know, I feel good. I feel like you.

I learned that I need to get more creative with my user names and your hair in my hair.

should I get a perm?

What does that be .

really interesting to? Or you could have like curly hair. Look.

you I don't know that's coming back ever. Like some trends come back around.

I'm hoping I .

think although have you met like like teenage boys these days.

they all have the same here. I mean, that looks like a grandfather, like a joke. Because IT does like curly appear and just a mess. Yeah, like the mess year.

The Better do women like wind wild.

Maybe the jane's doing now.

Good for them.

good.

For them all, we are officially in cozy season. I love fall were heading into the holidays, and I think we could be a little cosier on smart money. Happy hour. You ready? Yeah, that's Better.

What church? Oh, my gracious. If you're listening at home.

we are not seeing is a mammoth sized oversized ed throw blanket from our friend's a cosier.

This is like I waited blanket. But IT is like the thing I have.

You might be made of real member.

Don't know. This is amazing. Thank you. fall. Thank you. Fall .

called so rich, we're head into the holidays and a lot of people are going to get some some hugi gifts as they say, yeah, you know it's played out. You've got the socks you you got with the gift card that we can do Better this year.

We can. And you know what? Our friends like kazi earth have the most incredible products. I actually have their sheet and there using them too. It's like silk.

My kids were like, what what is? What is this when we got? Because it's you about .

the same thing without actually talking. But love.

they love IT. And then i've got to hear jogis, which I love. And then this blanket, I mean, talk, think about a fire. Think about a Christmas movie on, I mean, all of IT in this. That's a Better, that's a Better life.

Let's be on, you know how there was like, hot girl summer, I think cozy boy fall. That's more my speed.

yes. So guys, make sure to check out Kathy earth because on esty, their products, the quality is IT is so, so good and weeks have a discount code for a listen, a great one, up to forty percent off.

When you use the code smart money, all one word smart money, you get an exclusive discount for being a smart money happy hour listener in viewer, go to cozy earth dot com, slash smart money, and use the code smart money over there and you'll get that discount. So be sure to checking out. Here's what's IT really incredible. They've ten year warranty on their bedding. I've never seen that my life.

That's incredible. absolutely.

I've never kept anything for ten years. So the fact that I can just get more sheet .

if something goes wrong .

amain by the my wife, I has been sleeping in their little pajama situation changed her life. Just to be fair, he was sleeping like old, like ram's sy t. shirt.

And I was like, this time she's upgraded big time. So thank you cozy earth. And if you get a post purchase survey, make sure you told them you heard IT on this podcast. I love IT .

George to us. I should snap IT away.

Okay ay, here we go. Ready to get on coy. Sorry.

I might call cold bell.

It's about sixty two degrees in here is true.

That is true. Well, George, someone see into the episode, and we close out every episode.

guilty as charged every week.

Our producer colleague gives us a new guilty church question. SHE gives them to us every week. And for guilty, we take a step. So, Kelly.

alright, have you ever guessed yourself about a purchase you knew wasn't financially wise? And this question comes from instagram user at Alberto fedex. I purchase you knew wasn't financially wise, and you still somehow .

make yourself into IT. Okay, here I got I am a neck actually right now. Here here's a real time.

Okay, so I Normally just buy cheap jewelry, unlike amazon. But I went to a actual website. IT was actually the purchase I made that I got give him from the U.

S, P, S, L. Off circle. It's off a circle back.

So these necklaces, again, like just like little layer necklaces, they were, they were not terrible. I mean, maybe thirty forty dollars each. And I I might used to that.

I used to like fifteen dollar. So I rush and I got three. I got three in my order and I will say I got to the check out.

Like, colly is a silly. I could spend one hundred bugs on three necklace asses as a lot for me. Like, I just didn't feel like I I could have probably .

George's IT.

And like, I like a cheaper version of IT somewhere else, but I didn't even like creative resources and I just did IT. I bought IT and I bought IT and I justified. I like racal. You work hard, Rachel, have the money, Rachel, the bug do all the justification, I guess, that myself and I just purchase IT. I don't know regret IT, but I do think like oh yeah, we're like nicer pieces of the ancient .

wise because we both budget we only use cash in our debit cards are not going on a dead for stuff, not to impress anyone. I was on the verge this week actually, and I little everything's in the cart, had my card in fall in and I had that good check. And so I guess I am in the web in the laugh at me.

I can .

when I was, I was going to order a complete skate board.

I don't know that is that that's a when .

I know complete, just meaning like the actual board, the trucks, the wheel, everything.

how else you escape.

just like the deck, you could just buy the piece a of wood. So complete, meaning the bearings, the wheels.

the trucks, that is that help skate? Or if you buy a sk board and you just buy a escape board.

you're getting from scratch. yes. okay. So I piece meal.

The skate board you like built one. Yes, I specially .

built IT on the way. How much is a skate board?

Would you like to know I would didn't .

buy IT are going upwards of two hundred dollars.

Alright, I gotten six necklace .

asses for that. exactly. So I hope I discuss all purchases of my wife that are of this calibre. okay? And he said, you have a skateboard and I went, yeah, but it's like twenty years old.

Do you escape for a lot.

George? Well, that was her next question. And here's the thing.

I actually went to the skate park of the other day, yeah, and IT was me and about four thirteen year old. And I was the best one there. And I felt pretty good about myself.

But I was winded within twenty minutes. I was scared to try anything difficult because hurt. I was wearing a helmet, but I still like broken and sprint risk.

Whatever changes your life, IT changes everything. I got to go to work on monday. These kids, where do they got? Yeah, you know, school, school.

It's cool. He shop is cool with the cast. So in my head I was like, i'm not gonna use that enough.

I could probably just regroup my old sk board, meaning you get new grip tape, you'll feel new where I can get Better skate shoes and it'll that'll be a Better investment. Then spending two other box on escape, you and I even found a promote code for tempers on off. So I got, I got to down like one seventy six.

yeah. But I still want to have is that new escape board will sit the garage and every time witness sees IT, IT will be like, member, that time you said, member, you needed a new escape ard. That, and I already have about three escape ards. I've a long board, have many long board. I have my Normal shape board.

Wow, mr. Athletic.

what can I say? Boys still got IT, so I understand myself. That's good.

That should have .

been the question. Have you ever talk yourself out of a purchase at the very last minute?

Yeah, I was going to buy a bike because we're in the biking as a family, not like a nice road bike, but just like a regular bike. And then bikes are expensive, like a couple of hundred bugs. And I was like, I don't need that.

I'm just a mom. I just a mom. No one like.

I just almost a forty .

old woman who just needs a pedal. Like, that's all I need. I don't need anything crazy. And I went to the used back store, played against orts, and I bought a bike for like, sixty box or something.

Is that shape? I got head over there.

IT is perfect. You know, it's got a little ammad, probably a good ten years old, but is fine yeah come up the tires once then as .

a pump is that he still do in that move. They have like fancy your pumps now.

No, no.

not for the she's to work out and OK or .

i'm getting my work and I pup my tire, learning to put my tire.

Oh, I got to wait to set.

No, and my car tire, I did that too, saving us money everywhere is so great to buy my necklace. What he does.

why? why? She's american.

sweetheart. Guess, guess, like myself, everything okay. I was pretty even George.

Yeah, this was the illegal cocktail. If you've been paying attention, hope you have. And what is in IT, i'll tell you after you give us your rating. Little wow.

I think I ve ordered that at the restaurant.

I'm going to ten out of ten. I couldn't not improve on IT and I .

would order IT. Yes, I means good. It's a little like me, like I the aftertaste is a has a tad more .

line that .

I probably .

go get used. Here's what's in the illegal cocktail, includes most cow, just kind of that smoky tequila, White rum foanna, which is a sweet room, the core lex ardo, which is another core line juice, simple syrup and egwina OK.

That's complicated, but I went make that at home.

That's a hot and that's why I pay for IT .

you how much three .

dollars and thirty two cents, which is not bad considering .

the complexity and a lot of ingredients.

And that's fun. And the I adds that nice sort of like for me me to IT.

which I like for big.

the recipes in the shown notes give you to try this weekend if you're of age .

and let us know you think George is closing time. And if you guys like the juicy content of today's episode, make sure to watch or listen to our other episode where we actually spill the financial tea. I mean, we're talking and fuel or talking drama, secrets, fraud, all of IT. So feel to see on podcast, we'll leave a link and description if you're watching. Make sure to check this out and make sure to subscribe because you don't want to miss and all new episode, which is coming out next thursday of smart money happy hour.