Your Money Habits Are Our Financial Pet Peeves—Let’s Talk! (With Jade Warshaw)

Today we asked a debt payoff legend to help us unpack some financial pet peeves with a little tough love. I'm going to get riled up. And I'm so sorry because I'm sure some of you watching and listening are these people. So sending Venmo payments to a spouse. You don't feel like this is like the highest of offenses? No, that's a violation of human rights. hey guys i'm rachel cruz i'm george camel i'm jade warshaw 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 so everything from pop culture current events and money but first let's talk about what we're sipping on it is a tequila old-fashioned i love it i do too a refined drink for a refined guest today okay i've never been described as jade welcome to star money happy hour thank you so glad you're here we get comments all the time i feel like from other episodes with our guests and everyone's like have jade worship on jade yep well so the people what they want i know you're here for the cocktail jade so that's what we're all here for so if you want the uh recipe the rating stick around to the very end we're going to share all of that yeah it's happening I can't believe it's been too long. We're sorry. It's okay. I apologize. It's not you. It's us. I cried in the shower several times about it, but here we are. You've not been again. I'm just kidding. I like the buildup of anticipation. Yeah. You know, because you've been on our solo shows, Rachel Cruz show, George Camel, YouTube. That's right. But never on our show. Rachel's invited me on her show more times than you have on yours, George. I was going to say, she's been on my show a lot, and we've had a lot of fun. What's up with that? You guys have a lot of like feminine energy going on. I already have enough of that on mine. That's true. I'll give you that. Don't need any guests. I'll add on. Yeah. So to that point, our audience probably knows who you are, Jade. But if they don't, for some reason, give us like a one minute of who's Jade Warshaw. Jade Warshaw is one of the money experts here at Ramsey. My background is in debt payoff. I paid off $460,000 with my husband. We did it in seven and a half years. And I'm a former entertainer. And that's my claim to fame. I love it. Impressive. Impressive. This is my favorite description of you. Dave Ramsey in a different font. How do you react to that? Who said it? Who said that? I won't name names. I don't know about that one. I think they like your intensity and you just call it like it is. I think you're the most bold. You don't beat around the bush. Do you feel like out of all of us? I feel like I've gone. I'm like Homer Simpson. I feel like I went back in the bushes a little bit. Like I started very bold and I feel like I've gotten more empathetic. Is this true or is this just in my head? Yeah. Maybe. Okay. So it's just in my head. Jade, we're with you. I'm like, I know that it's going to be told. Like we were just doing pictures right before. You're like, bad picture. Do it again. I'm like, see, Jade knows. It's not bad, Jade. It's not bad. You know what you want. It's decisive and bold and that's what we need. Okay. I'm with it. We need Jade. We need Jade. I need you all as well. Oh, that's so good. The reason you're really here is because we thought you'd be the best guest to talk about financial pet peeves because I've seen you get riled up at what people do with money relationally. You've called people out on the show. Yeah. And so some of your rants are my favorite. And so we made a list of money habits that respectfully make our skin crawl. So we want to see if you agree. Is that fair? I love it. And I think we're all rating them, even us. Yes. So we're going to rate each one 1 to 10. This is our board. On the board if you're watching on YouTube or Spotify. Yeah. So a one is like that's a tolerable pet peeve. No big deal. A ten is straight to jail. Straight to jail? Straight to jail. No soup for you. Whoever writes down the highest number gets to start the rant and explain the frustration. So if Jade's a ten and Rachel and I are an eight and seven, Jade kicks us off with her rant about why this bothers her so much. So annoying. You got that? Before we do financial pet peeves, what's just like a pet peeve in life? Do you all have one? That have been bugging us lately? You're just like, I can't do it. yes Dave that's what I'm talking about a literal list you wrote out this is what we're talking about when they said what's your pet peeve I was like I got this on lock I hate when somebody texts me call me period I'm like what but they've not called themselves because you think no just call me now and if I can answer I'll answer you're telling me what to do I don't like that just call me and if I miss it then say hey call me back it's important Exactly. Number two, when people hand me a drink and they're holding the very place that I need to drink from. Ah, I don't know where your mouth goes. Yes. Why do we do that? I don't know. Whoever gave me this drink did not. Hey, can I say this? I love this on the palm. And I learned this with cold drinks, like a glass of white wine. You're never supposed to touch the actual cup of where the wine is because it heats it up. You're supposed to take the sim. Yeah, that is some extra bougie. How about this? When people say similar instead of similar. I'm done. Is that a thing in your life that happens a lot? I say a lot of things that are not correct. Do you say similar? I don't know, but I say nuclear. Nuclear. Nuclear. Oh, my gosh. Okay. That's like when people say nerve-wracking instead of nerve-wracking. Oh, that's funny. Nerve-wracking. Espresso? That's a big one for me. Oh, that's bad. Tesla with a Z? Tesla. Oh, gosh. Okay, pronunciations. When people don't close the, like they go to the restroom, they don't close the lid and they just flush it. Just willy nilly with the lid up. Particles going everywhere. Oh, it's spreading germs. Yes, germs everywhere. We don't want that. What about on airplanes? That always. When people take their shoes off? I feel like I'm going to get sucked down. I think I'm going to get sucked down. It just feels like there's a lot going on in a tiny space. It really scares me. That kind of, I'm not kidding. I do kind of get to the lock and I'm like, get out, get out. But sometimes you feel the air like hit you. Oh, it's so scary. I isolate it with my foot and then flush with my elbow so I don't get sucked into the – You've done it right. That's fair. The vortex. The vortex down there. The vortex. That's good. Those are good, Jay. Listen, she's going back to where she came from. That's good. Any for you, Rachel, that come to mind? I have two, and I think because I just had recent interactions with these two things, and I thought that is so annoying to me. Number one, I'm going to just say it. Parents that refuse to use the word no. Oh, man. So they have to parent around it. like that's probably not a good idea let's go do something and i'm like just tell them no just tell them like don't do that like no no like just say no and it's like this like i can't do it i just can't they want to give options i feel like a boomer i feel like a boomer where i'm just like gentle parenting thing i don't maybe but i'm just like i just can't i can't and again i'm all about like oh my gosh did that hurt i want to i want to be emotionally present with my children but also that and then the other one y'all i'm gonna get riled up do it and i'm so sorry because i'm sure some of you watching and listening are these people. So please keep listening and subscribing. Please don't leave the show. It is road bikers on a two lane road during rush hour. Death wish. Why? Why do you hate your family? Why do you want to do this? Why do you want to act like a car when you're not a car and there's not a shoulder and you're choosing at five o'clock to go and do Why? It's selfish. Why? Let us get home in our cars that can go 40 miles an hour. But you want to die. Why do you want to die? It makes me so mad. I'm sorry. Interesting. And someone, I don't know who I was getting pointed to. No, not at rush hour. Not at rush hour. And not on a two lane. And again, some cool parts of Nashville have like its own bike lane. Great. Great. Why would, it's so stupid. I can't. I think I sometimes drive in the bike alone. It does. It makes me so mad. I'm sorry. I've never connected with Rachel this much. Yeah. This is funny. But what bothers me is they're dressed like they're about to go to Tour de France. Like, they're really thinking, like, this is my year. I'm like, bro, you'd be fine in some gym shorts. Yeah. Who are you trying to impress? Everything's fine. Like, the shoes I get because you clip in. But other than that, like, they're padded. I know you're not sponsored by 7-Eleven. Like, you cut it with the, like, sponsored gear look. It's too much. The shorts are padded in all the way. Mine is similar, but it involves children. the like electric scooter situations that the kids are all riding these days yeah okay yeah what is happening first of all kids are dying out there just no it's very dangerous the electric bike either way it's true it is are you talking about the ones that look like dirt bikes but they're like no not like the little but the actual those are terrible too and those scooters can go like 30 they can go faster than the road bikers at least they're like keeping up with traffic Kids are normal scooters, but they're motorized. And kids tool around the neighborhoods with them going 30 miles an hour, weaving in and out of cars and streets, no stop signs, on the sidewalk hitting pedestrians, just living their best life, I guess. It's because the parents that Rachel doesn't like don't tell them no. My kid will never own that, mark my words. They are dangerous, and I think that's the new thing. A lot of doctors are saying, don't do the electric. It's basically a motorcycle. What's the difference? I know. We had to pedal uphill. Those ways. Now the skateboards are motorized. The bikes are motorized. No one's doing any work. I had to teach my son how to stand up and pedal uphill. He wanted to get off his bike and walk it. And I was like, we don't do that in this house. We stand up and pedal. We stay on the bike. We stay on the bike. Prince, get on that bike. Get on that bike. Okay. Well, I'm glad we got that out of our systems. I think Rachel really needed this. Apparently I did. I kind of felt that. I was like, what is happening to me? you know what else grinds my gears if i may yeah go ahead when you're trying to make financial progress and the banks get in the way dinging you with junk fees making it difficult and that's why i love fairwinds credit union me too george i mean having someone on your side that's not only just cheering you on but they're creating an atmosphere at which you can bank you can put your money whether it's high yield savings checking whatever it may be fairwinds is the best they are they're the best at it and they actually created a the smart bundle for ramsey listeners so this is a checking account and a savings account that there's no minimal no fees all of it and with it when you sign up you get your very own fair ones dead as normal be weird ramsey debit card love it beautiful and we both have one so you can be like rachel if you get this card yes it's absolutely incredible no channel your interracial i love it and it's the one that I use all the time. Like when I got to, you know, take the debit card out to swipe, I'm like, oh, here. And it's got the chips. You tap. Yeah. The whole thing to pay the whole bit. It's great. Yes. But their service is great. The banking is great. So make sure to check it out. Yeah. Most banks, they want to keep you broke and sell you debt. Fairwinds wants you to win financially. And that's what I love about them. So go check it out at fairwinds.org slash Ramsey to sign up for that smart bundle today. We'll also drop a link in the description. All right. So let's dive into our financial pet peeves. And again, one, not so bad, 10, straight to jail. Okay, you ready? So we're going to write the number on the board after we hear it. Sending Venmo payments to a spouse. Oh my God. Okay, so one is tolerable, 10 is straight to jail. How do we feel about sending Venmo payments to a spouse? I got one. All right, I got it. All right, one, two, three. I put an eight. I'm a seven on this one. Oh, okay. I'm an eight. you don't feel like this is like the highest of offenses share your thoughts you're the winner so i mean i'm just i've and i've said this before i'm just imagining the scenario where you know it's a friday night we've just gone on what i thought was a date and you know we're laying in the bed and i'm thinking something might happen and instead he leans over and asks me for you know the money for the venmo comes yes the request I swore to pay for my half of the date that you took me on. Like that's straight to jail. You know what? Are you kidding me? Here's why I rate it a seven. Because it doesn't affect my life. If you want a crappy relationship, that's fine. It's entertainment for me to see that in my Venmo feed. Oh my gosh. So that's why I didn't give it a ten. George keeps a little less because he wants people to kind of secretly do it so you can be entertained. Exactly. It's just absurd. I don't use social media anymore. I just use the Venmo transaction feed for my own personal entertainment. See, I didn't know, but apparently people, like, you can show it to everybody. Everybody can see who you Venmoed? Yes, it's a public. I don't have it. I don't even have it. That's how much I don't care about it. I don't have Venmo on my phone at all. How do you pay babysitters? Zelle. Oh, you're a Zelle girl. So there's no, I mean, I don't think there's any texting on that. No, it's not a social platform like Venmo has become. Why is it a social platform to see, like, I gave Bob $10 for Arby's? It's just fun. It's just people like George. Scroll it. Yeah. I did it this weekend with my buds. We went to Swig, the soda shop. Yeah. We all got some late night treats and I paid for it and they all Venmo'd me. So it's just a way to like – it's clout to be like, look what I – Yeah. Mine wasn't public. I'm not that wild. Oh, okay. No, but you do look at people's – Oh, 100%. Yeah. Okay. Yeah. I don't know if people just don't know that there's a set to public. Yeah. Because sometimes I'm like, this for sure was not meant to be public. Yeah, I feel like – I feel like some scandals could break on there. It was like child support. And the message said, like, it didn't have to be this way, Amber. And you're like, yikes. He might be doing this out of vengeance, you know, out of spite to make this public. And he's like, it didn't have to be this way. Oh, man. So, yeah. Again, that's why it's my entertainment. Oh, okay. All right. Thanks for sharing. What's the next one, George? The next financial pet peeve? Carrying thousands of dollars in debt and still buying an $8 latte every day. All right. What's my rating on this one? This one feels personal to some people in the room. This one feels personal. Hearing some giggles over there. All right. Jade, you go first. I said five. I said three. There's like worse things you could do. I said nine. Okay. Here's my thing. I don't want to hear you complain about anything if you're out here buying $8 lattes and not dealing with the problem at hand. Okay. it's like your house is on fire and you're like well i need to buy some things off amazon real quick scroll scroll scroll add to cart add to i'm like guys we have a fire in the house get out of the house address the fire address i want some urgency and so if you don't complain that's fine but if you want to complain about inflation the economy and all that well are they complaining or are they just getting a coffee Well here the thing There a subtle it the people like I never own a home Woe is me. Oh, got you, got you. Okay. And yet they have expensive daily habits in their life that are clearly causing some delay in progress. See, okay, but my question is if that's the only habit though and it's $8, it doesn't feel like a big swing. It's never the only habit. You know what I'm saying? Like if you're doing a bunch of big stuff, that makes a dent. But does the $8 latte like really give the dent? On its own, no. But I think it signifies bigger problems. Well, you're reading into it. That's not what the question was. I haven't been wrong thus far. Yeah, he also assumed they were complaining. Yeah, you all hate these things. Well, an $8 latte, like what are in these – what's going on with these $8 lattes? I like a Keurig myself. I always think that coffee is better. There's a balance between hating yourself and buying an $8 latte. Somewhere in between would be nice. All right, next. Jane, this is for you. Oh, boy. Buying Christmas gifts for grown adults. Listen. Whilst in debt. I don't know. It doesn't say that. It doesn't say that. It's just saying buying adults Christmas gifts. It just says Jade does not like Christmas. Jade hates gift giving. No. Okay. Scrooge McWarshaw over here. Oh, she's. Oh, she's writing words, not a number. You can't. Hold on. Hold on. She's got. She can do it. She's a guest. Be kind to our guest. I made my own rules. Okay. am i going first you go first i okay if there's no debt it's a one because i'm like if you have no debt sure buy adults gifts there but if you're in debt she a 10 like that moves up to 10 and two seconds 10 plus yeah okay i'm going five in general in general just a general five oh okay interesting i said 3.5 3.5 yeah it wasn't quite a here's here's my thing and here's where we've been getting questions about this of like should i be spending money or like should i accept gifts from people who i know are in debt i'm like i say don't block a blessing if that's how they want to spend their money so be it you know you can try to not accept it but at some point this is their life they're living it and until they're at a point of pain where they want change they want ask for your help yeah or they want to stop it they got to just do what they're gonna do facts so that's where i'm like it again doesn't really affect me it affects them the pet peeves that really bother me are the ones that intertwine my life interesting on my day-to-day yeah so mine are the gifts that as an adult you should just buy yourself like i almost think there should be a rule of like a creative sentimental like something that's coming from an adult to adult like what about if it's over a certain amount do you feel like that's not a christmas gift like just save up and buy it yes i think it's that kind of stuff so like so it doesn't bother so that's why i said a five because like you draw names like we draw names like the siblings on winston's side and my And that's fine. That's kind of fun. And you do one gift for that person? Yeah, but it's like don't do a gift card. You know what I'm saying? Make a real gift. Yeah, that's like you could probably go, but it's a thoughtful – like that's the meaning as an adult to an adult. Like a kid needs things. But an adult to an adult, like I don't need to like – you said it when you were on the air, like a blender. Like Aunt Rita doesn't need a blender. If she needs a blender, go buy a blender. But like I'm not going to – I'm going to catch shade for this. I already know. But you're in debt. you're like trying to buy gifts for everybody on your list you're getting people slippers you're getting them a really bad smell from bath and body works yeah you're getting them and it's like a candle all these things that they are like yay like tj maxx yeah there's no like there's no they're not it's almost just to check the box if i gave a gift versus and you're doing it to your own detriment versus yes especially if you have debt i'm with you it's the holidays give them a hug Love them. Give them a hug. Spend time. Yeah, spend some time. Yep. The best presence is your presence. Oh, that's good. There you go. Put that on a bumper sticker. I've moved to perishables. I think getting people perishables is the best move because they have to consume it. Like cookies. They're not going to return it. They have to consume it. A box of pears. Oh. A nice, like David, you know, what's the, Harry and David. Harry and David, yes. A nice Harry and David box of pears. Oh, you're fancy. From Costco. Yeah. I don't know what that is. Are they special tea pairs? Very special. It's like a – Gold foil, whole nine yards. But is it only just a pear inside? It can come with other accoutrements, some chocolate-covered almonds maybe, some nuts, you know. See, those kind of wig me out a little bit. How long have they been sitting at Costco? It's nuts. They last forever. I know. I get a little worried when I get poisoned. Are you telling me – By nuts? I don't know. I don't know. Are you literally telling me it's just a box with pears on it? I've been known to gift the Holiday Tower for family members. That's all I'm saying. tower i'm saying there's no difference between those and the ones that are just at the grocery store they're different okay the gold foil really makes the presentation it ups the presentation if you will so they're nice pairs i don't remember the name but they're like bougie pairs really good best pairs you've ever had i and people don't your word for it people don't buy pairs anymore so when you get a pair it's special i have three pairs at the house right now that you purchased i have one in my lunchbox i have never picked a pair in my life wow i let harry and david how about a kiwi uh my dad will do because the kiwi you got to shave the little like fur off yeah that freaks me out okay wow i don't i don't want to have to i eat a kiwi almost every day violate a fruit fact so healthy fun fact love if you have low vitamin c like if you drink if you have one kiwi it'll bring it back up and you're shaving that thing down every day yeah i just use a paring knife and just slice around the sides yeah it's The shoes is for her pears, I bet, too. Yeah, for my pears. I like to eat the skin on the pears, though, so I don't shave those up. Oh, okay, yeah. Fair. You ever try that on a kiwi, though? To eat the skin? No. Live a little. I'll save that for you, George. Moving on. Moving on. All right. Next up, we've got calling a tax refund a, quote, bonus when it's just your money being returned to you. Oh, pet peeve, pet peeve. All right. Got my answer locked in. and wow all right rachel go ahead on girl i said two on this one i said four okay y'all were low y'all were low um it just doesn't sound educated to me i'm like what are you doing that's no that's that's not a bonus a bonus is because you worked hard in a certain area of the company and their revenues went up and they were sharing with like that is that is what a bonus is that's your money they thought the government was blessing them in your paycheck that you gave too much like it's just sounds like so sad yeah some people i'm just like that's not savings like that's not it that's not it that's not what that is you can't you can't so it's just it's a renaming of something that just uh emotionally immature oh maybe i'll go there i like that or i'm just like that is not true It's not true. That's not what it is. So we can like, it's like net income versus gross. Like those are two different things. There's a factual reason for that. Yes, there's two different things. You overpaid. I said two because I was like, it's a lack of financial literacy. Yeah. And therefore I'm like, well, they just don't know any better. Similar to your point. Maybe. But on the empathetic side. We need to learn. As adults here, though, we all need to learn. Yes. And if you say it once, that's fine. But we need to learn and we need to change our vocabulary. We need to Google. That's good. We need to change our vocabulary. All right. Next, being forced to split dinner evenly when you intentionally ordered a salad and no alcohol. Ooh, I've been there. Okay. All right. No, yeah. Yeah, shoot. I'm really trying to get my blood pressure up today. I can feel the cortisol spiking. See, Rachel's guilty of this, so she's kind of feeling it. No, I'm not sometimes, but not a lot. I only do it if I know it's an evenly thing and everyone's like, hey, and I'm like, okay. Never in history has it been a perfectly even thing. Don't you pay attention to though, to what other people ordered? Cause I feel like if I pay attention to what my group is ordering and the guy's like, do you want to put it all on the same ticket? I'll be like, no, if I noticed my friend didn't get much, but if it seems like we did a lot, I'll be like, I'll just wait and see what they say. Cause I don't care. Or classic. We did this on Friday night. Went out with some friends. They have two kids. We have three. And I, appetizer queen, ordered two appetizers through the table. So when the check came, we said, yep, put their – well, I guess we separated. And we took the appetizers because I ordered the appetizers. Even though we all shared it, it's fine. That's the right thing to do. But I ordered it. So that's unfair to them to pay for something that they didn't order. I think that's right. I think that's very fair. That's human decency. Okay, but just the flat out, you tried to go really inexpensive, and someone's like, split the bill. I'm going eight. That's annoying. I said six. Wow. Because I'm the one that's having to pay the bill, right? Well, you have to pay the even split. If you're the salad and no alcohol. Oh, I'm the salad. Yeah, it doesn't – these days it doesn't bother me. Okay. Wow. George? No, that's a violation of human rights. I'm a 10 plus on that one. There's nothing more indecent you could do than to order a bunch of stuff that I couldn't eat because I'm the gluten-free one. Yeah, yeah. Now that's – And you're like, well, let's just split. It's easier, guys. Let's just split it evenly. But don't you think that people kind of make the assumption that my friends are kind of in the same financial status I am? Do you feel like people just make that assumption? Maybe. I think they're honestly just trying to – they're trying to make it simpler while also trying to make it better for them. No. Do you think they're being manipulative about it or do you think there's like – I don't think it's manipulation as far as saving a buck. That's it. I just think they're a little bit selfish. But if you're truly amongst friends, let me tell you this. If I was with my friends and I got salad and they were like living it up, I'd be like, put me separate, please. I would just say it. And then they would move on. Well, my friends would be like, oh, I'll have another drink. And I'm like, whoa, whoa, whoa. Now we're messing with – you know what I mean? It's not equal. You got three drinks plus the apps plus the fancy entree and now we're splitting it. That's a straight to jail for me. Straight to jail. Straight to jail. That's why I'll call it. Hey, I'm on my own. You guys do what you want. Yeah, what do you normally do if you're out? Because you're so fun, obviously. so people like want to have you out to dinner. Let me just say this. It's been a while since I've been invited. But seriously, there's six guys. What's the dialogue? I try to pipe in first if the waiter asks, are we doing separate or all together today? Separate would be great. And if they go, well, it'll be easier. I'll say, well, I'll be on my own and you guys can have your own bill. Do you do that no matter what? In general, if it's a big group. Would you ever split a bill? Yeah. I'm not above it. Okay. Left to my own devices, I will fight to not. So if we did a double date and we all four ordered a cocktail. Okay. All four ordered a glass of wine. I don't know prices. I don't know. We got a bottle of wine. We all split it. Something like that. Yeah, we split the amount. Get the bottle. God forbid I may order an appetizer. Or two. And ask, is it gluten-free? No meat for Winston? like is everyone good okay let this will be fun this looks good we all order i don't know what we're ordering when somebody get us out i don't know i don't know we just don't know we don't know one was 14 but we are all here and the bill comes in that situation would you still say me and her you and whitney no at that point i would say if it feels somewhat even yeah put the two cards down and they'll split it yeah especially with the cruises that's true but i can count on zero fingers how many times I've been invited to have a double date. Didn't take long. We will do a double date. You'll have a newborn baby, George. You're right. Put it on us. It's our fault. No, it's our fault for procreating, bringing life into the world out of nothing. Out of nothing. Bragging about sports betting, day trading, and crypto, etc. And bragging is the word. I guess it'd have to be. Bragging. Yeah. Just follow your heart, Jade. I don't really know anybody who does such things. Yeah, that's more on social media for me is where I see it. My friends know better than to do that around me. Yeah. All right. I'm a nine on this. I'm a three. I'm a three. I'm a three too. This one I feel like intersects my life because it's in my feed. Yeah. You know what I mean? They're not doing it on their own. It ends up in my algorithm. We don't know how algorithms work. How does this happen? The Lord works in mysterious ways. Jake, you know that. Yeah. We don't know what's in our feed. I was telling her it was in my feed last night. I'm like, why am I watching videos? It's on a lot of OnX, for example. And I think the Lord tests me with these posts. Okay. But there's just a lot of bragging about the wins and never about the losses and the stress until they lose it all. I follow one account called CoinFessions, which is people anonymously submitting their cryptocurrency debacles of how they've lost their lunch. And so that actually brings me – not that I want to see – like enjoy people's harm, the Freudenschaden. I think it's called Freudenschaden? Freudenschaden, which is like deriving germs from other people's pain. It is. Okay. Oh, okay. Oh, Lord. So anyways, I don't drive joy from it, but I go, see, that's the part they're not talking about. Yeah, that's fair. All the times they lost money. That's fair. Yep. And what about the whole NBA, y'all? What's about that whole thing? Oh, my goodness. Oh, my gosh. So that makes me think what's like getting rigged. I've been wondering what else is going on. I know. What's been rigged. Yeah. I know, y'all. And that's the only reason I don't watch sports. To me, it's just WWE, but a different form. No. No, don't say that. It's all rigged. No, it's not. Not all of it. The Chiefs can't win that much. They did it so that Taylor would be attracted to Travis. And then they'd get married, and that's what? World peace? What are you saying? Interesting. And now are the Chiefs going to make it to the Super Bowl? We don't know. We don't know, George. Exactly. But somebody does. Interesting. Somebody's making money. You know what? There is a conspiracy theory. You know I'm going to bring it up. There is a conspiracy around natural disasters, and the Super Bowl ends up being in that city within like a two-year period or something. It's weird. To do what? Well, the conspiracy is to get the economy back booming after like a hurricane in New Orleans, the Saints went. Like it was all this like, there was something about this whole conspiracy. Yep, very interesting, but you can look it up. I can see that being very true. All right, I'll do the next one. Financial pet peeve using Klarna and other buy now, pay later services to pay for a $50 grocery haul. Oh, that just sounds sad. yeah that definitely is in the sad category George that felt very it's hard to even no I mean it's hard to even rate that one grocery feels like it's food yeah it feels like it's like should we change it for fun and do clothes jeans should we do like Abercrombie jeans Klarna for Abercrombie jeans Also a haul feels generous you know Well that feels like you just getting what you need to survive And that's why I gave it a one. Wow. I'm just kidding. Look how much she is. I gave it a two. Rachel and I was going to group think. It felt like survival mode. Yeah, I would say in general, like depending on what you're using buy now, pay later for, the number varies. Yeah, if you're buying. Yeah, I was going to go six in general. Six in general. Yeah. Because I think it's a – I think it's such a slippery slope to me, and you feel like you're getting a good deal, and you're not. Like it's not good. Well, and it's just a really poor financial habit. Yes. Even if you can make the payments, it's somehow worse than credit cards because you go, well, I don't even want to spend $100 right now. I'll spend $25 right now. So psychologically, you're tricking yourself into stupidity. And for that reason, it just – there's a layer of sadness to it all. Someone called into the Ramsey show, and they had split their payment through their bank into four, and we're paying it off. Oh, wow. Like through the bank? Yeah, you can split anything into four payments. And I was like, that's crazy. So you could pay your – you could essentially split your mortgage payment into four. Oh, yikes. Anything through the bank. And do it like once a week that it's like getting it. Yeah. Interesting. I was like, oh, my gosh. This is a deep deal happening. Well, it is getting more frivolous now. You know, Costco has a firm partnership and DoorDash has a Klarna partnership. So every company is like, we can make more money if we introduce this. I think that's what's hard. It justifies the amount you spend. And you don't really see a true cost of what you're spending. It's just an add it to my tab and I'll make the payments over time. Yeah, and emotionally the payment is so small at that point that it's like, that's fine. Yeah. Yeah, you don't really see what you're seeing. All right, George, buy now, pay later services is not the only online threat to your money. That's why we love Delete Me. Yeah, you want to start the year in control, right? not reacting to online threats and data breaches. Yes, and we've just gone through the holidays, and you sign up for all those promos and stuff. You're putting your information out there. And in general, it's crazy what the internet collects. And then what can happen is people collect your data, they give it to data brokers, sell it to them, and those data brokers then sell it to scammers and spammers. And you get these texts and these spam calls, and get your number, your name, your address removed. Delete me is for you. Yes, so while you're trying to take control of your money this year, take control of your privacy too. They make it easy. They send you a report showing you exactly where they removed your info, how much time they saved you. And it's one of the best emails I get. When I see that new report come in, I'm like, download PDF now. Look at this. Yes, and it's a team of real people doing this to you guys. So they're scouring the internet for your information to remove it from these data broker websites. And that's what we need. So they're giving actually, our listeners a great deal. Yeah, 20% off the annual plans. Just go to joindeliteme.com slash smart money to get the deal. We'll also drop a link in the description below. Okay, next. Women joking about hiding Target bags from their husbands. Oh. I don't like that. I was once that person, by the way. That's okay, Jade. Thank you for your honesty. We appreciate it. You're so authentic. So brave. So real. So vulnerable. Okay. Okay. I'm going eight. I'm going five. I did a seven. Uh-oh. All right, I'm the highest. You're the winner. I think it annoys me more because of the husband. Oh, you're blaming the husband here. Well, I'm just like, what makes you have to, like, if I had to hide something from Winston, it either means that, like, he's like a womp womp person that doesn't want to spend. Or I'm so, like, I can't, I just can't, I can't even, like, engage with, like, oh my god. You know what I'm saying? And you're just like. Like an immaturity to it? It just shows your marriage to me where I'm like, either you married like not a fun guy. Well, can I tell you? I'm guilty of this. It's not Target, but it's Whitney will hide like fast food bags. Stop it. But I see the transaction. I have my Taco Bell proudly showing that I went through. That's funny. Like I see it in the trash. Because she thinks that you. I saw the transaction. Well, she knows I'm going to. Why did you go to. See, that's the husband I'm talking about. But it was more for the longevity of her life and health than it is for the money. That's very funny. There's bigger transactions coming through, but it's the McDonald's that gives me pause to go, what did she buy? But one meal out of what? All week, probably? Oh, yeah. No, she deserves it and more. And secretly, I'm a little jealous. What's the main one that you make her feel bad about, George? Bad? I would never make her feel bad. She's not here to defend herself. but I'm much more empathetic in this phase of our life to where I'm like, I saw one come through today for Whitney's cookies, which is a great cookie place. Those are delicious. And my first thought was good for her. Oh, see, that's what we're talking about. So I'm like, good for her. So if I see it come through now, I'm like, she deserved that. Yes. So she literally said, I'm eating my feelings today. And I went a hundred percent. I get it. You're like, I get it. I know. Shout out to Whitney's cookies. That's so funny. Okay. And this isn't a comparison on marriage. Cause when, trust me, we are not perfect by any stretch of the imagination, but i am proud when i go through taco bell and i text are you like you want anything yeah well i'm like guess where i am it's like taco bell what's your order three soft tacos nachos and cheese beef yeah okay fire sauce oh wow bold bold y'all it's so what's winston's order uh he doesn't need it so to your point no judgment even though he doesn't need it he probably can't enjoy it for a thousand reasons yeah he would go drink a protein shake or something and that's the thing is everyone's like it's so bad for you but i'm like is it he could probably eat that because it's not real meat in there anyways i think it's like sawdust didn't they confirm that it's like cut with no no no i think that they did no i think they take compost and turn it into a beef I read somewhere. And mozzarella sticks at Sonic. That's the other thing. Oh, dang. That's a good one. I love fast food. Say what you will. She's got taste. I love it. All right. Next one. Refusing to be generous, but going on three luxury vacations a year. Refusing to be generous. When you say refusing to be generous, what does that look like? You tell me. I don't know. Just rate it at face value. Don't question it. It's hard for me. It's hard for me. all right i went five on a middle of the road on this one i know y'all because i don't know the heart of humanity i don't know they're neither where they're coming from i went low there seemed like there was some sort of a scroogery to this so i said seven like a scrooge like i refuse to give so i yeah she took that she took the word to heart hey i don't have money to give to this thing but I do have money to go on these luxury vacations. See, I think it's a topic that's not normal. I don't think, unless there's like a spiritual component, I mean, honestly. I don't think most people give. I don't think they think about it. Agreed. So that's why I went low is because, I guess the word refusing is a little bit of a strong. Unless it's part of your faith background. It's a strange thing to be like, wait, you just want me to give a bunch of my money away? Right, right. But even if you look at churches, like the percentage that give, the 10% is very low. Yes, very, very low. So I think it's more common for people not to, so maybe that's why I went, meh. Yeah. I'm not surprised. I think left with our own devices, humans are fairly inward looking, so you're going to go, I want to have fun. That makes sense. Just like your friends at dinner. That's right. That's very selfish. Next, paying $800 a month for a car when that money could be turned into millions invested instead. After we've told them not to. That's the caveat. I'm going to add that. after we told them. 800 a month. Don't do it. Don't do it. Yeah. Go with it. Y'all, I'm a 10 on this one. I'm a 10 too. Wow, I went eight. I'm a real softie. Wow, sweet George over there. I just feel like people feel it. They know. You know when you've gotten yourself into trouble. Yes. People would rather drive that brand new car even though it's bleeding them dry every single month. Yes, it's an ego play to me for the most part. And I think people can couch it of like, and I get people want a reliable car. So I get like not wanting to drive something that's like breaking down all the time. I'm not talking about that. But 2025, brand new. Yes, and it's constant. And I'm like, that is just, from a math standpoint, I think it's one of the hardest ones to like come back from. Where you're like, oh my gosh, what you're paying. We talked to a guy paying 23% interest in his car payment. And you're just like, what are you doing now? Like I could almost justify a house more. You know what I mean? like a house payment that's a lot or something where you're like hey that's your home like that's appreciating asset yes but a car it's so it just feels more ego and everyone's like but safety you know and i'm like i don't think that's i don't know no no i think i think i think a honda civic i think a twenty thousand dollar car is just as reliable and safe as a fifty thousand yes that's the thing it's like if you're going into debt i feel like that's the extreme it's like you could if you were going to go into debt couldn't you have just got the twenty thousand yeah people That's still very reliable, still fine. But they want it to be new until they drive it. Well, and a new nice car to your point. It's like, well, I have a $63,000 car loan. And you're like, why didn't you just go get an $18,000? Yeah, that could have gotten the job done. Here's why I docked it. I don't think these people see the $800 as a – they don't connect the dots between that and investing. Well, that's the same person who says, I don't have enough money to pay for my kids' college in cash. How are we supposed to – You can't retire in today's America. Might as well live it up until you die. But if that $800 has blocked you. Very fatalist. And so it's a very YOLO mentality. And it's true. They want to look good. Right. Or if it's the mom, they want the big, safe, reliable SUV, brand new Tahoe. And I get wanting room. Especially if you've got three kids. The third kid for me was like, oh, I feel this. Like this is, we need. Three young kids in car seats. Yes. So I get it. but also for what it would cost per month to do i i don't think i could i genuinely yeah i think i go get like a really old van if i had to love my van love a good van all right next up adults in their mid-30s living at home to save money quote unquote adults in their 30s all right i still again i have questions indefinitely did they put a time frame on it we're gonna assume it's the standard fare i mean 30s y'all 30s is pretty bad and it was to save money to save money yeah all right 10 plus i'm going i'm going i'm going controversial five oh you're low they're saving money and there's a time limit there's a grown a man can i share this story is he single living married i don't know living with his can i tell you the call that i took time go they moved in And there were 33, I remember this, and they moved in with his family because he was like, hey, we need to save money. We've got to get out of this debt. We've got to save money. So I finally asked, well, how much debt were you guys in when you started this? I said $10,000. I said, great. What's the progress? Where are you guys at now? We're $40,000 in debt. No. I said, whoa, whoa, whoa. You did all this to save money. How would you go $30,000 more into debt? Well, he just likes to buy a lot of – and I went, this is exactly my fear. is you get too comfortable when you're living with family and you don't end up saving more. You end up just spending more because you don't have rent to pay. So that $1,200 just goes into the ether. Yes. So that is why I'm so angry at this because most people I talk to don't actually save money. And if there's a time period of like, okay, your family's moving because they're building a house. I don't know. If there's a reason, I get that. Caveat, if you had a big life implosion, health scare, a divorce, totally get it. That's not what we're talking about. No. And my biggest thing is the dating. Like if you were in your mid thirties and you're single, could you, could you imagine like, where do you want to hang out after? Like if the, if the date's going well and you want to. Hey, mom made spaghetti night. You want to come over? I mean, genuine, genuinely. Like that is so unattractive to me. It's a problem. Yeah. It's a problem, but it will keep you holy. Like you're going back to your, your bedroom, like your childhood bedroom. You know what I'm saying? I'm like, you're a man. Well, correct me if I'm wrong, but women are looking for like provision and protection. And when you're living at home, I don't think that's, they don't see that future. I would be concerned that this person can't sustain themselves. Therefore, how could they be married and sustain a wife or, you know, that would be my problem. Yes. I just, I don't like, yeah. You heard it here from grown women in their thirties. Don't do it, guys. Don't do it. All right. Next one is taking out debt for vacations because it's 0% APR for 12 months. Pet peeve. I feel like I'm surprisingly empathetic on this. I don't know why. I went nine. I went four. I went four. Jade, we are a lot alike. Here's my reasoning. They always have to mention that it's 0% APR for 12 months. It's like they're bragging about the stupidity that like, well, I got a good deal on my debt. So therefore I'm a genius. That's the pet peeve part for me. Okay. Not the fact that you went into debt, but it's the people who always have to mention their low interest rate to justify their debt. Yes, we talked about that today. We got a lot of those. That bothers me. Well, it's only 4%. That's like – it's almost a – I'd rather you lack financial literacy than think you know it all and go into debt. Oh, that's fair. Yeah. That person is hard to change their mind. That's fair. You're right. They've assumed they're like a math genius by rolling over their 0%, doing balance transfers, finessing the system. Sorry, I keep hitting your mind. I'm so angry. So, yeah, that one really bothers me for some reason. And it's usually guys, I will say, that fall into this bragging about the interest rate trap. What's up with that? Most women are like, oh, I got 0% APR. I feel like in your other life you were this guy. Yes, left to my own devices, this would have been my arch nemesis. Was there like a bizarro George? Would have been bragging about his interest rates. If there was another life, George, you'd be a crypto bro. I 100% would be a crypto bro. You'd be all these things. You'd be all of our pet peeves. That would be everything I hate. I got 2.2% interest on my house. And in the movie, the last scene would be us fighting to the death. You and I? No. I know. I was like, what? Like evil George versus me. We'd have to fight. Got it. I think I would have been a royalty in my last life. I really think. What? That's a thing you thought about? No, just now. I just thought, what do I gravitate towards? I'm like, caviar would be really fun. Like, that was like my new hobby. In a past life you were royalty What about in a future life Ooh You got a crown in heaven I i was gonna say a homesteader but i don know if i want to do all the animals oh oh how about trad wife influencer i could see that oh maybe all right take us home last one y'all you ready for this yeah this is funny grown men spending money on in-app purchases for games oh man oh man this is funny George I'm going empathetic here with a six I'm going 10 that's because George would have done it a lot of my friends oh you did 10 exclamation yes wow she did she did like the bubble letters I don't like games if you have time hold on if you have time in your life to sit and play a game and spend money on it and like do levels what are you doing what are you doing and you're buying things on it people bought are spending money i am shook i'm sorry i if sam warshaw came home with a game i know well and what if he's like sorry jade i needed 15 more lives so i bought it for six dollars i need to buy a new fortnight skin six dollars i would be single around in the budget and 99 cents no no no no when i first met sam he had like a a playstation or like an xbox and i walked into his house and i was like what's that and he was like oh i sometimes it was like as he was talking he immediately shut up he was like i sometimes put oh i'm selling it this weekend because i was like who sits see i will say winston had an old from college and still has it it's like the old old xbox and he actually brought it out it was almost a year ago to for the kids to get a racing game with the kids i'm okay so but we only wear it we only use it in the summer that's what we've learned yeah but the buying it the phone would bother me the if you have an app that you're playing a game crush borderline like addiction gambling sometimes with these games yeah like i think that that's why i put a six i think the amount matters how much you play matters your obsession with this matters but my thing is you're as an adult if you have children and a spouse you have no time i'm telling you today you don't have time you don't have time well like you know she's reading her true crime novel he gets into some call of duty you know i can see where the paths diverge at night into your hobbies but you're not spending time with your spouse well she's reading the crime novel yeah you can't read together that's weird but then but then here's the thing to me is you want reading a self-help book? I don't want it in the living room or your bedroom. Are they playing? That's a big deal. That's what I'm saying. I just know a lot of guys I work with here that love video games and so I'm being very kind. I'm not. Just because you don't want to be judged. I put the kibosh on it every time. She had bubble letters. I do think it matters if you're married and if it's like you're neglecting your spouse. Married with kids? Impossible. But single guys... Jade says no. If it's in the budget, you're spending cash. It's a fun little hobby. Yeah. You know? Until you meet a woman that looks at it. People like sports, and the amount of money they spend on their sports and hobbies is also insane. It is. No, I put sports gambling, like, right up with that. No, but sports in general, like, if you're a golfer. Oh, oh, oh. But in my head, that feels less, like. That's a hobby. It's a physicality. Yeah, you're doing something. You're doing something. You're out. You're not staring at a screen. Like, you're hunting. You're out with nature. You know what I'm saying? Like, it can be the same amount, but there is something. It's a healthier habit. It's something childlike that feels odd to me. Maybe seeing a grown, I don't know. Sorry, anyone that I'm offending. Seeing a grown man, like, try to, like, It will never be me. I will say, on the last flight we took for work, the guys got me playing their own Nintendo Switch, and we played Mario Party all the way home. One of the guys in the room, we had a great time. He wanted to make eye contact with me. It's great. We had a great time, didn't we? He crushed us. Okay, can I say this? We're done after this. I may get in trouble. I would almost find it more not okay. Doing like a – and I'll go lie. I won't say sports betting, but I'll say like a fantasy league. That doesn't bother me. Putting money towards a sport, which I still think is stupid because you can't control the game. Like you're not playing the game. Or can you? At least it's a real thing. Versus a video game. It's like not an imaginary world with forts and knights and robots. I don't even know what they are. Is that what Fortnite is about? I don't know. I don't know. But there's also the roadblocks. I've heard that. Not roadblocks. Roblox. Oh, I thought they like road. R-O-B-L-O-X. I thought it blocked the road and you had to build the city around it. No. I've never played. I've never played. All right. We're going to do a game night, guys. We're super controversial. Now, Tony Hawk's Pro Skater, I will crush all of you in that all day long. Now, a race. Yeah. I don't know. That's different. If a child is. I'm talking about the ones on your phone that's like candy and stuff falling from the sky. Yeah, Candy Crush. Yeah. Yeah. There's something more sad about that. Oh, my gosh. Okay. Oh, man. We had fun judging. Yes. I feel judgmental. Okay. I feel bad about that. No. No, this is what the show is for. I don't feel that bad, though. Yeah. That's what the show is for, for Rachel to vent her frustrations and judgments. Yes, that's what we were wanting for the first place. Okay, George, we've been a little hard on the gamers out there. I apologize. I know. So if you need to like have a little self-pity, you kind of need to be on the couch and kind of be a little depressed, then make sure to have a Cozy Earth blanket with you because all Cozy Earth products will make you happy again. I'm telling you, whether it's the athleisure I wore, my Cozy Earth black sweatshirt to soccer. Yep. I had that with my kids. We went home. I had the Cozy Earth blanket, got in my Cozy Earth pajamas to get in my Cozy Earth sheets. I mean, seriously, you guys, the quality of these products is phenomenal. You just go from cozy to cozy, don't you? I did. Oh, and my socks. I wore my Cozy Earth socks like a true Gen Zer. They're a little high. They're not the ankle socks. They have a little height to them. I went for the no-shows from Cozy Earth. I might need to upgrade. Yeah. I'll get there. Everything. The bamboo sheets are incredible. We sleep on those. The new cotton-washed ones. Yes. Soft wash. So good. So here's my thing. Make home the best part of your life. That's right. It's not that hard with Cozy Earth. And if you want a sweet discount, you can get 20% off by going to CozyEarth.com slash smart money. or just use the link in the description below. Okay. So wrap it up. What's our teaching? Would you say George for the, for the, for the episode? Um, you know, to each his own, but I don't want to hear you complain when you just know better. So that's, I think some of these pet peeves you do it once. Yeah. Okay. But if you're not learning, you're not growing, you're not self-aware about your habits and you're surrounding yourself with other people doing dumb stuff, don't be surprised when you end up nowhere five years from now. So there's a piece of it where you have to continually grow because we've all done a lot of these stupid things on this list. But eventually you go, you know what? I want to be better. I want to know better. I want to do better. I want to be better financially. And so you have to grow. So these pet peeves were fun to talk about. I just hope you don't stay there. And it points out some pain points for people when it comes to money because money is hard, right? And everyone has a story. And Jade, you and Sam. I mean, y'all paid off $460,000 of debt. There's a lot of emotion around it, which is one reason why we're so excited, because you wrote a new book. I did. I'm ready for this. Sneak peek. Boom. Boom. Look at this. What no one tells you about money. From Jade Warshaw. Okay, so tell us about it, Jade. Yeah, you know, I think it's the reason I was a little bit more empathetic to some of these answers because I do think that when you're financially strapped, if you're going through a debt payoff or just a really hard financial time, you do dumb stuff and your emotions are leading you and it can be really tough to navigate that. And I know for Sam and I in a seven and a half period, we probably seven and a half year period, we probably made a lot of the mistakes, you know, that we wrote about on the boards today. But I wrote this book because changing your habits with money is not as easy as, you know, just a light switch. It really is something to work through. And all of us are met with different things, whether it's just the fear of change, not knowing what's on the other side or guilt from making some of these bad decisions that we talked about. And so this really helps a person who understands like the logic of the numbers, but is really struggling with just the emotional side of giving up a habit like video games, not spending money on Candy Crush anymore because sacrifices, right? Or not having a car payment anymore because you finally realize that, you know, you know, the logic that it's keeping you from retirement or saving for kids college. But it's it's very hard because it's a status symbol like you talked about. 100%. So, yeah, this is the emotional side that we don't. So good. Everybody needs to get this. I was just texting a friend who was telling me about his financial problems. I said, I'll coach you he said well just so you know like there's money stuff but it's largely relational and emotional and i said emotional creatures rarely make the logical decision and i think you unpack that in this book beautifully so i'm pumped for this book and it's out now so make sure to get your copy we'll drop a link in the description below you're not gonna regret it all right before we spill the tea on our guiltiest charge segments uh let's rate our drinks i liked it y'all finally A 10 out of 10. I think I'm going 10 out of 10. Genuinely. I think it was so good. It's my kind of drink. All right. So this was a tequila old-fashioned. I think Jade and Rachel both finished. We finished it. Did you? Oh, you didn't finish yours. Well, I was busy working. Okay. Someone had to do it. It's a really delicious drink. If you like an old-fashioned with bourbon, you're going to like this one. It's got Reposado tequila, so slightly aged, a little bit of that smoky vibe. It's got some mezcal, black walnut bitters, orange bitters, agave nectar. and it comes out to $2.42. Amazing. Not bad. So beautiful. For what you'd pay for this at a fancy cocktail bar. So get the recipe in the description and make it this weekend and try it out if you're of age. Enjoy. All right. Now it's time for Guilty as Charged. And this is where we ask each other a guilty as charged question every week. And if we're guilty, we take a sip. All right. Yours is gone. Here it is. I know. We'll have to get the – Okay. Have you ever had a culinary mishap that cost you financially or otherwise? Oh, wow. A culinary mishap? Yeah. Something happened in the kitchen? It cost you. It cost me my health. I had one of the worst, I don't want to get all graphic. Okay. Burns ever when I was cooking. This was like two years ago, y'all. It was horrible. What did you do? I had a skillet. It was enchiladas. and you like make it all and then you like use the skillet on top of the oven to like do all the other stuff and then you put it in the oven to bake at like 450 and I opened it to get it out I wasn't even thinking and I and it took like three seconds for it to like and I I think I threw I mean I think I like dropped it y'all I have never had but I mean it was I had a sleep which you're not supposed to do it cold water but I put my hand in cold water and I would wake up every hour because it would just be burning. It was horrible, y'all. That was probably the worst culinary mishap I've had. I think I'd rather have stitches, honestly, than a bird. Oh, it was horrible. Well, let's compare stories then, Rachel, because mine involves stitches. Oh, seriously? Well, there you go. Six stitches on this left thumb. I can no longer do a full hitchhiker's thumb. Camera, catch that. So there's my left. You almost cut it off? I cut the nerve. So I was in second grade and I was opening Kool-Aid Jammers, the six-pack with that tight plastic around it. And I didn't find anything except for a razor blade to open it with. And it just slid down the plastic and I just sliced my thumb up. Oh my gosh. We have people who may be passing out. Yeah, I apologize. But I was in the second grade if it makes you feel better. You had to get that jammer out of there. That's horrible. And I think that's why I'm not good at sports with my left arm. That's my excuse. like i think it messed up my you know the way i throw the way yeah the spiral yeah no my right arm i'm peyton manning oh yeah hey but that left arm's a real struggle so that that one uh yeah it cost me my thumbs up i'll never be able to thumbs up again that could have been my money maker oh my gosh yeah now it's just like i don't know what you call this is this a hitchhiker's thumb if it curls i know that's a that's a weird genetic can you go full i never had the genetic to begin with oh you're straight oh yours are straight mine are like a medium yeah good to know like it's like a uh genetic gene can you do this yeah no i cannot do the star trek you can't no no it's harder on this hand and i have my own it is hard i can do on this hand good for you What can't you do? She's the best. Do you have any culinary mishaps? I'm trying to think. You're a pro in the kitchen. I burned myself recently, but it was just a quick light. It was not a bad one. I'm trying to think. No oven, fire, never had to use the fire extinguisher? Once when I was a kid, I got food poisoning. That wasn't a fault of your own. My mom gave us frozen pizza and we all got sick. no i love frozen pizza yeah we were all i didn't know that could go bad yeah it was like tgif remember when we were kids yes my mom made a frozen pizza and by the time for step by step yeah by the time it was over and 2020 came on we were we were sick no it hit quick hit quick oh that's not good yeah no fun haven't had frozen pizza since have you no i still enjoy them to this day you got a favorite can you shout out your favorite frozen pizza honestly it's not frozen but the one at Whole Foods that you get that's already made, if you doctor it up, it's pretty good. So add some of your own toppings. Well, I take it home and then I add butter on the crust and oregano. Oh, shit. It makes it fancy. Hold on. I'm going to tell you right now. If you put butter on the crust and then sprinkle everything seasoning on it. Yes. Delish. Delish. So good. All right. Do it. We're going to be doing it at home for sure. Well, make sure to DM us your guilty as charged questions. We love them. You can send to at Rachel Cruz or at George Camel. We're always on the lookout. And if you enjoyed this episode, you will love the episode. Dave Ramsey answers your most asked questions. Another guest, we'll put a link for you. And make sure to subscribe so you don't miss an all-new episode of Smart Money Happy Hour. Cheers, George. Cheers. Jay, thanks for coming on. Thanks for having us. It's so fun.