0:00

What's up guys? This episode is brought to you

0:02

by our favorite budgeting app, Every Dollar. Rachel

0:04

and I love Every Dollar because it is

0:06

the easiest way to take control of your

0:08

money, build the right habits, and make progress

0:10

on your goals. You can download it for

0:13

free on the App Store or Google Play

0:15

today. Hey

0:22

guys, I'm Rachel Cruz. I'm George Camel. And this

0:24

is Smart Money Happy Hour.

0:28

Cheers, George. Cheers. That's

0:33

a celebration in your mouth. Think about

0:35

that. We'll see. Wow. This

0:38

is the show where two friends who happen to

0:40

be money experts talk about what you're talking about.

0:42

So everything from pop culture, current events, and money.

0:45

And today, instead of telling you our topic, we

0:47

want to see if you can guess it based

0:49

on a few musical hints. Sing it,

0:51

Rachel. No. Why don't you do

0:53

that to me, George? Why am I tasked

0:55

with singing? Because you're the musician, skater

0:58

boy. Go. Whoa, what does

1:00

that have to do with anything? Go, sing it. It's

1:04

my party and I'll cry if I

1:06

want to. Okay, there's your first

1:08

hint. All right. Hint number two. Go,

1:11

Shawty. It's your birthday. We're

1:14

gonna party like it's your birthday. That's

1:16

hint number two. Ready

1:18

for hint number three? Last one. Oh,

1:21

do it. Happy birthday to you.

1:24

Happy birthday. So this episode is

1:27

actually right in between me and

1:29

George's birthday. That's right. Yours

1:31

just happened about a week ago. Just happened

1:34

in yours, George. Mine's about to happen. Tomorrow.

1:36

Happy early birthday to you. And happy

1:38

belated. Well, thank you. Thank you very

1:40

much. This is fun. I so appreciate it. This is like

1:42

a joint birthday party, which has always been my dream. Nobody

1:45

ever wants to do a double birthday party with me. Mary-Kate

1:47

and Ashley vibes, you know. Yes,

1:50

I mean, we're going there, y'all. Case of

1:52

the epic birthday party if you're a fan of

1:54

the adventures of Mary-Kate and Ashley. That's

1:56

it. So we. Just me? Don't

1:59

act like you guys didn't buy this. that's a classic book fair. Oh

2:01

my gosh. All right. Nevermind. Okay. So we're going

2:04

to talk about how to have this wonderful

2:06

day for you or the people you love

2:08

without breaking the bank. It's gotten expensive

2:10

from internet trends to birthday discounts and freebies.

2:13

We've got you covered today. So regardless of

2:15

whether it's your birthday or not, you will

2:17

hopefully have one in the next 12 months.

2:21

If the Lord permits Lord

2:24

willing in the Creek don't rise. You will

2:26

be born again. I will quote my, I

2:29

will quote Caroline Cruz, my six year old. Well,

2:31

happy birthday. Who's birthday is

2:34

it? Caroline? Well, somebody has a birthday today. I

2:36

love that. I had a tip.

2:38

You know what? That's the kind of childlike

2:40

optimism and joy we need. Yes. So it's

2:42

only the reason to celebrate every day. Cause

2:44

it's someone's birthday today or tomorrow or soon.

2:46

And you can use these tips. If you're

2:48

watching this on your birthday, Rachel will send

2:50

you love. He

2:52

sends her love. Oh,

2:55

it's where we sipping on while we chat about birthdays. Today

2:57

we're sipping on a paper plane is the

2:59

name of the beverage and it's a beautifully

3:02

colored drink here. Do you know if this is like

3:04

a classic cocktail? You know, there's like classic cocktail. It is

3:06

considered a classic. Yes. It's a very

3:08

old school drink. Okay. Very, uh, I

3:11

feel like it's a pretty bougie drink and you're going to

3:13

find out what's in it at the end of the episode

3:16

and we're going to give it our rating as well and reveal

3:18

the cost per glass. So stick around till the end for that.

3:20

And as always recipes in the show notes, if you want to

3:22

make it yourself, that's right. Um,

3:24

well, George, are you excited about your birthday tomorrow? Yeah.

3:28

Okay. I'm not

3:30

really, uh, I

3:32

guess I am. I'll be turning 35. Nice.

3:38

I just left that year as a big

3:40

shocker, a big shocker to all

3:42

of you, which we'll get into

3:45

a little bit later. What's up

3:47

guys. If you want to be better with money,

3:49

your first step is to start budgeting with every

3:51

dollar. This is the app Rachel and I both

3:53

use and trust me, it's great because it gives

3:56

you everything you need to make budgeting easier, faster,

3:58

and dare I say, even enjoy the Yeah,

4:00

I think you can say that George. I mean it's

4:02

pretty enjoyable to have more money, right? And

4:05

that's what happens when you're intentional with

4:07

your spending guys download every dollar for

4:09

free on the app store or Google

4:11

Play today You

4:16

know, it's crazy though is that some

4:19

people claim there are good birthdays and

4:21

bad birthdays September 27th Apparently

4:23

the best birthday because of the alliteration. It's very

4:25

easy to say it September 20. I don't think

4:27

these people know how alliteration works And

4:31

then so no May 8th is

4:33

the worst because of the way you say

4:35

it may 8th. What do

4:38

you say like Forrest Gump? My I

4:41

was born my Grandma

4:47

My birthday's in a movie what

4:49

movie miss congeniality Feels

4:52

apt. They said yeah, it's when

4:54

she's having her interview and they say

4:56

well describe your perfect date and

4:58

she says April 25th

5:01

not too hot not too cold. All you

5:03

need is a light jacket Wow Well

5:06

calendar dates aside Birthdays on the internet have

5:09

become a breeding ground for comparison culture and

5:11

that always you know drains our wallet at

5:13

some point Yeah, that's right And

5:16

if bachelorette trips weren't enough now people are

5:18

doing a 30 year birthday trip and a

5:20

40 and a 50 and it's like the

5:23

the partying and the Celebrations

5:26

continue on into every

5:28

and would you agree this is largely female-based

5:30

like I'm sure guys still do trips with

5:32

the guys But I think it's largely. Yeah

5:34

women that want to celebrate other women. Yeah,

5:37

I'll say the only guide The

5:39

only guide trend I see that I'm like, okay I

5:41

get it is after a bunch of guys have kids

5:44

and then that last friend has a kid They're like, hey, let's

5:46

go for a weekend before he has a

5:48

baby Oh, I didn't know about that and just

5:50

like enjoy because we know what he's about Yeah,

5:54

so George do you have a memorable birthday

5:56

in your history of birthdays? Yes,

5:59

we watched Spider-Man at the movie theater

6:01

with all my friends and then went to the skate

6:03

park after Well, you know

6:05

spider-man. How old were you? 10

6:08

okay I

6:10

mean is there a better birthday seeing the original

6:12

spider-man in theaters with all of your best friends

6:14

and then going Skateboarding after okay when you say

6:16

original the OG the first

6:20

Actual real person or yeah, what year was that

6:22

guys? 99 Toby

6:24

McGuire 99 Okay, cuz there's

6:26

a cartoon spider-man from like the 70s. I don't know

6:28

no no no Okay, I was not

6:30

alive then Fs

6:33

we're into the old stuff Rachel. We like the

6:35

four by three, you know We weren't into the

6:37

whole 16 by 9 movement now. We watched spider-man

6:39

with Toby McGuire. Yes and Chris Kristen dunce

6:41

Yeah, she's a person done. She was and that

6:44

was the upside down kiss. That was the thing.

6:46

I'm kissing very edgy For a fifth grader to

6:48

watch in theaters Wow That's

6:51

when I became the cool kid So

6:53

yeah me and my like three friends we went and it

6:55

was awesome. Okay, that's fun My

6:59

parents threw me I'm trying to think what

7:01

which Told I

7:03

was I think I was eighth grade a surprise

7:05

birthday party Wow,

7:07

yeah, were you actually surprised like all

7:09

your friends? Oh, I was

7:11

I was completely surprised. Yep Wow Yeah,

7:14

I was at a friend's house Jessica and we

7:16

were going to the movies and we

7:18

like got dressed and and Then

7:21

my dad called her house and was like hey Will

7:23

you stop by because I need you to drop something off

7:25

before you go to the movies and I was like,

7:27

okay So I'm going in the house. I just like laid

7:29

it on the stairs and they were like Rachel. Come

7:31

here I was like, well, we're late. He's like come here

7:33

and I open our playroom door and almost like Majority

7:36

of the eighth. I mean they invited probably like

7:38

a hundred like a lot of kids from my

7:40

school We're all there and it was

7:42

the it's the weirdest feeling epic when

7:44

you have like that. We have a surprise It's such a weird

7:47

like reality shit of like, oh my

7:49

gosh, that's like how did people know? Did

7:51

you give him a big show with your reaction, you

7:54

know me I'm so dramatic Yeah,

7:58

like eighth grade Rachel is not The

8:00

much now basically the same look

8:02

back on salami like suits or

8:05

matic and so facial. Yeah.

8:09

That's where you put all your efforts As

8:11

a lot of then, let's help people avoid

8:13

the overspending on the birthday because a lot

8:16

of great financial things that happen on your

8:18

birthday. There's. Yeah, there's a lot of

8:20

financial perks. When. It comes to birthdays.

8:22

I'll give you one that I love

8:24

or it. Ah I'm I'm gonna skip

8:26

dice, criminal acts. I don't care for

8:29

hims. Lance I'm kinda thought oh the

8:31

jeweler you get fifty percent off an

8:33

item during your birthday months. I kinda

8:35

got. Now that's a reason for birthday

8:37

mom gets thirty races to buy an item.

8:39

yes, but London less seven or eight. My

8:42

one of my favorites is Jenny's ice cream.

8:44

if you have a better blessed to have

8:46

one nearby at the Scoop shop, you get

8:48

up to three scoops of ice cream completely

8:51

free. On. Your birthday numbers I am. I

8:53

think they've expanded. Announce was your big the app in

8:55

the rewards thing. It's not just on your birthday but

8:57

you know within a time span rounded sky so I

8:59

like those. I get any free

9:01

Starbucks drink on your birthday, your. Words

9:04

number that's a traditional I. Which

9:06

is Gap and go. You know vinci you

9:08

guys or eg. say censoring Go fight a

9:10

saw didn't. Fall Black Coffee You

9:12

want to get the craziest, most expensive drink

9:15

you'd never pay for because it goes to

9:17

zero Cel Free sign. Sometimes I overdo it.

9:19

I go to twelve dollar drink like

9:22

as seven exercise was bresso go in

9:24

but then it becomes disgusting. So or

9:26

here's another one. Sephora.

9:29

For you soon! So forums out there are you

9:31

get a free many cause metics said. Or.

9:34

Two hundred fifty bonus points to put toward another

9:36

item. So. That's probably

9:38

not going to cover the full price breaths, but if you're

9:40

big the for a fan as a little. Perth.

9:42

Yep, an author. Has

9:44

some great great part. So they

9:46

actually double your rewards points during

9:48

purchases during your entire month and

9:50

you get an extra just so.

9:52

I mean, I'm telling you, I

9:54

think it's. I think this is

9:57

a good one. Are right or sad. she scored

9:59

multiple free. Sixty dollar make up hamlets

10:01

before on or how his head of played

10:03

all right. Game in the South. I'm sad we

10:05

love to see it. So a to do it the way to

10:07

do. It fine for the guys out there if you're not

10:09

in a make up. Chick. Fillet something for

10:12

everyone you get some for it's based on your

10:14

membership dear Anything from a free cookies to a

10:16

brownie even up to a full entre depending on

10:18

how loyal the customers you are. So that's a

10:20

fun once. but it is room for improvement as

10:23

as like they could do better. Like I'm not

10:25

gonna six late for a cookie. Since.

10:27

You know your meme rates have to sit on without

10:29

he. It's a great city, but gimme a meal can

10:31

be. Some second yeah gimme like a

10:33

free breakfast sandwich, yams and as get

10:35

in a ideas w gets you five

10:38

dollars off the by their says. I've

10:40

used this on before. Yeah this is great and

10:42

I think about my kids like about like Replay says.

10:44

We'll do it during the birth month. Five.

10:46

Dollars are bucks. I'll take his jersey. Mike's and

10:49

Firehouse I love these are love both! Give you

10:51

a free sub on your birthday! She signed up

10:53

for their Wars program so that's a good one

10:55

already. Like that's a full meal for free. So

10:57

college kids. Look. No further. Olive.

11:00

Garden when you your favorite right? Yes, Grub Gone

11:02

Olive Garden The Yeah reforms on your birthday month

11:04

when you saw him to receive them. So

11:07

you know you might have to sort through some coupons

11:09

in your inbox to get a small discount. Here, but

11:11

it's way to be worth. Crumble gives members

11:13

and app users a sleek a t meltzer

11:16

on their birthday. That's. Pretty good isolate the

11:18

ones that are worth it is where it's

11:20

completely free and want to make a purchase.

11:22

Yes, I did get a free thing and

11:24

an apology. Yeah, twenty percent off any parts. His

11:26

birthday month don't tell my wife was actually to

11:28

be great to some. This sub is so it

11:30

is pricey so you could wait for that purchase

11:32

during a regiment between person. I think if you're

11:35

going. By signing my expensive anyways so you're

11:37

just getting good at a normal rip off

11:39

prices. That's how I feel any to my

11:41

wife's shops at him from. I.

11:44

Air Air Fare and I am. I.

11:46

Sort of Urban Outfitters which is owned by

11:48

the same parent company, so I would get

11:50

forty percent off. Wow. Paycheck

11:52

which he spends. All. of it's funny

11:55

when you're eighteen and you get a paycheck and

11:57

it's not your make out make any dollars an

11:59

hour or not fitters As a grown man, I

12:01

was not 15. I was like 19. Yeah.

12:04

So it just, I want to upgrade the word. 19 a grown man? I

12:07

think for my age and what the doctor said I would

12:09

grow to. I'm

12:11

just saying I wasn't like, I didn't feel like a teenager

12:14

anymore. You were. You were 19. I

12:16

know, but I was

12:18

in college, Rachel. Not

12:20

a grown man. College educated. You may have felt like

12:22

you were working there last year, George. I

12:25

was really waiting. I would. I would. 19

12:27

year old George, just figuring out the world. Okay. What's

12:29

your number one pick for birthday freebies? It doesn't have

12:31

to be on this list. I'm

12:33

going to kind of do. I look at combo. Sure.

12:36

I'm going to go Alta and firehouse.

12:39

Oh, wow. Mm hmm. Little

12:41

Italian little makeup. Something for everyone there.

12:44

I'm going to go wasn't on this list. Oh,

12:46

PF Chang's was the showstopper for me. What was

12:48

it? What's it free app?

12:51

Anything on the menu totally free. No purchase

12:53

necessary. So I got the chicken lettuce wraps,

12:55

which are fire. $15

12:58

is what it costs and it cost me zero. Wow.

13:00

And I thought that's beyond your birthday or month.

13:03

I forget the range. I have. I'm so nerdy.

13:05

I had a list on my phone, but here's

13:07

the thing. I made a whole video on my

13:09

YouTube channel ranking the top birthday freebies with

13:11

a tier list. And so you can go check that out

13:14

if you want more on that. So great since

13:16

Rachel, you have such a large social network that

13:18

you've mentioned multiple times. No, no, no, no. 100

13:21

friends at the birthday party. That's

13:23

most people's entire like graduating class.

13:26

Do you have any affordable go-to gifts for when

13:28

the kids get invited to a party or when

13:30

you go to a birthday dinner for a friend?

13:32

Like what's your go-to? Let's say Amelia's BFF birthday

13:36

party. What do you get that kid? So

13:38

my kids when they were a little like you can

13:40

get away with more. So I would Amazon like the

13:42

same. There was like this unicorn garden

13:44

light thing that the girls like love to make

13:46

when they were like little little so I've been

13:48

there like 16 bucks on Amazon. So I literally

13:51

bought like whenever the girls had birthday bars. You

13:53

just wrap that little thing and just hand

13:55

it out fun. This is great. My girls loved it. So like

13:57

that's nice. But now that they're getting older. like

14:00

squish melt like they want they want like

14:02

now more specific stuff so there is a

14:04

toy store here in Brentwood that

14:06

I we yep I'll let them and I think

14:09

the gifts are getting more expensive though I give

14:11

them a dollar amount and I'm like we're not

14:13

gonna go over X okay but this place does

14:15

gift wrapping for free oh that's nice so

14:17

it's actually kind of nice and it makes it I

14:19

think wrapping is half of the fanciness yeah

14:21

and you know it and and it's great

14:23

so yeah so that's kind of what we

14:25

do that's our that's our routine and then

14:27

for friends and I feel

14:31

like I go more specific but it's more like

14:33

thoughtful stuff we just had like put

14:35

together so that's all I don't feel like they need like

14:37

or at least the people

14:39

that my friends in life I do think

14:42

when people are thoughtful with stuff like

14:44

here was one you know my snow villages I

14:46

was like yes obsessed with so I

14:49

had a friend give me a snow

14:51

village from eBay that's sweet they

14:55

know you've been posting about it yes you

14:57

know that I love all my new obsession

14:59

thoughtful so it's that kind of thing

15:01

I think the thoughtfulness it doesn't have to be like high in

15:03

price is way better I like that yeah buying

15:05

gifts for adults feels like a strange it's a

15:07

different beast yes and with guys it's easy you

15:10

know like even like we went to Jade Warsha's

15:12

birthday and I like a good bottle

15:14

of wine you know just something simple I was like I

15:16

know they I've been to their house I know they have

15:18

some some red wine oh yeah so for her ladies

15:20

you probably her and I during the Ramsey show one

15:22

day in the break we were talking about skincare stuff

15:24

and we both use the same lip balm mask and

15:27

I gatekeeps this and I got and I got

15:29

it we

15:32

want to know I don't even

15:34

know what it's called is it Laneige I could yeah

15:36

yeah yeah yeah and we talked about it inside got

15:38

her that cuz I was like we had talked about

15:41

it and you know since that kind of thing if

15:43

you can like remember which I'm not always great at

15:45

yeah that's what makes it fun I feel like life

15:47

hack I always go to Trader Joe's for my cards

15:49

because they're 99 cents regardless of the card person I'm

15:52

not a card person well if I want to do

15:54

a card sometimes I don't for an adult that I'm

15:56

like is a friend but not like super close right

15:58

to write them a you know a love note.

16:00

I'm just like, if it was you, I would not. I'll be

16:02

honest. I just feel like you'll appreciate

16:04

the gift. Great. Absolutely. Because you're going to throw away

16:06

the card. I don't know if that's sentimental. Now

16:09

Winston on the other hand, he would get a

16:11

handwritten... And Winston keeps cards. And he's more sentimental.

16:14

Yeah, it's so true. Wow, you know it's so well, George.

16:16

Thank you. Well, he texted me this morning. Are

16:18

you? I'm going to put that out there. Yeah,

16:21

I'm not a card person. Yeah,

16:23

not a card person. Even on my kid's friend's

16:26

gifts, on the back of the paper we were just talking

16:28

about, I write to so-and-so

16:30

from Amelia. That's all you need. Okay.

16:33

Okay. On the flip side,

16:35

George, if you

16:37

are invited to a birthday situation,

16:40

a trip or even a nice dinner, right?

16:42

And you're like, it's not in the budget.

16:45

What do you do? How do you navigate those kind

16:47

of conversations? Well, this is, it's kind of the boundary

16:49

communication issue. And a lot of people have a hard

16:51

time just even sending this text. Like it's one of

16:54

those texts that you write for a whole day and

16:56

you keep deleting it and rewriting it. So I would

16:58

just say if I couldn't make it or it was

17:00

out of the budget, just respond honestly and say, okay,

17:03

I wish I could be there. I can't make that

17:05

work. Hope you have the most special day. I'll be

17:07

celebrating you from here. And sometimes

17:09

what I'll do is I'll just text them a $5

17:12

or $10 Starbucks gift

17:14

card or something. And I can do that with the

17:17

text. There's a little Apple thing. You can do a

17:19

gift card through a text message. So I'll do that

17:21

sometimes. And that's kind of a fun, like it's not

17:23

about the amount. It's the fact that someone thought

17:25

of them and then put a dollar amount with it.

17:27

Someone even said, you're the only person to even like

17:30

send me anything today. And I was like, wow, that

17:32

was $5. Like it, like I can get that

17:35

in the budget. You know what I mean? It's not about the amount.

17:38

Yeah. Yeah. I was at a different birthday and

17:40

another friend couldn't come. And so she was like,

17:42

Hey, I'm going to Venmo you like,

17:45

you know, 15 bucks and you buy her a

17:47

cocktail like on her birthday on me.

17:49

And I was like, Oh, yeah, same idea though. Where

17:51

you're like, oh, that's like a great idea.

17:53

If you know where they're going, yeah.

17:56

And you can just send them a Venmo or send a friend

17:58

the Venmo. Yes. You can call the restaurant ahead of and

18:00

say, hey, bring them out this drink on me.

18:02

I think that's a really fun, thoughtful thing to

18:04

do. The other thing that's fun that costs zero

18:06

dollars that is so thoughtful if they're the sentimental

18:08

type is you text a friend and

18:10

say, hey, can you send a quick 30 second video? We

18:12

did this for our friend recently, you and I did. And

18:15

they're like, hey, just send a 30 second video celebrating

18:17

it was their 40th birthday, just do a

18:19

quick message for them. And that cost us zero

18:21

dollars, cost us 30 seconds of our time, and

18:23

it meant the world to them to have this

18:25

video of all of their friends wishing them a

18:27

happy birthday from around the world. So that

18:30

takes effort. Around the world, around the world. They're

18:32

both so popular. Oh my God. He is. Every

18:34

continent. So I think that's a

18:37

very kind thing to do. Again, that takes

18:39

effort to go like, I'm gonna collect all

18:41

these videos, maybe edit them together in iMovie

18:43

or something, but that's a really thoughtful thing

18:45

to do. So good. What about when you're

18:47

throwing the birthday celebration? How do you do

18:49

that when you're trying to be financially responsible?

18:52

Because even just throwing a party can get out

18:55

of hand. When you think about

18:57

decorations and catering. I don't

18:59

know what's appropriate, but if I'm throwing

19:01

a party, if I'm gonna have

19:04

a party, I will expect to

19:06

like spend some money. Bend it.

19:08

Yeah. And not expect people to pay for it. Now,

19:10

if we all go out to dinner or something, and it's like, you know,

19:13

you need to text five of your girlfriends, like, hey, let's go out to

19:15

dinner or brunch or whatever. I

19:18

don't think I'd pick up everyone's tab in that way. But

19:20

if I was like, oh, everyone come over for a party,

19:23

I'm throwing something, I

19:26

would expect to pay for all of that. Does that make sense? Yeah.

19:29

So that's how I think it works. Well, and another thing to do, and

19:31

I've done this fairly recently, last few

19:33

years, we were like, hey, we're gonna get a

19:35

big table at this restaurant, Mexican place, not super

19:37

expensive. Everyone pays for their own meal. And

19:40

I said, no gifts in the invite. Like, hey, no

19:42

gifts necessary, just your presents. Yeah. And

19:44

that kind of just, people still brought stuff because they wanted

19:46

to, but it kind of alleviates to like, okay,

19:48

I'm just gonna show up, I'll pay for my meal. And that's it.

19:50

Yeah, I'm gonna be good to go. And so I'm a big fan

19:53

of that as an adult. For sure. That's the

19:55

way to kind of slim down on the price point.

19:57

Versus buying catering for everyone to sell

19:59

a day. Yeah, yeah, yeah. Yeah, yeah, I know. But you know

20:01

what my dream is? Tell

20:03

me, I don't know if this is like a 40,

20:05

I don't know what this is. I, one of

20:08

my favorite things, when we do this at the Ramsey Christmas

20:10

party, and I love it, is the silent disco. Yes.

20:13

And I- Can you explain that to the people who don't know?

20:16

Okay, oh yeah, so the silent disco is, you

20:18

have these headphones, and they have three different colors

20:20

usually, or at least the ones I've

20:22

experienced. It's like green, blue, red, and you

20:24

change it. And every station has a theme, so it'll

20:26

be like pop, or like old school

20:29

rock and roll, or like punk, or country,

20:31

or whatever. They have genres, very specific genres.

20:33

So if you see people with the green,

20:36

you know they're listening to like Miley Cyrus,

20:38

and they're all, and everyone with green is

20:40

singing and dancing to the same song, but

20:43

then everyone in blue is listening to- Rock and

20:45

natural difference song. Yeah, like, I

20:47

don't know, I don't know. I'm blanking. Blank 182,

20:49

all the small things, me and Winston. Maybe it

20:51

happened, I don't know. You decide.

20:55

And it is so fun, so I do

20:57

have a dream. That's your dream, that's your

20:59

birthday party. I would, and I'd have some paper

21:02

airplanes, and like

21:04

a massive room with like, and I would

21:07

invite every, I would like make it big.

21:09

I would invite people from all scopes, like

21:11

my kid's friend's parents, that

21:13

I know just from there to work

21:15

people. What about like mortal enemies, exes

21:18

even? I mean, would that be fun?

21:20

No, probably not. Okay. You

21:22

were like everybody, I was like- You know what I mean?

21:24

But make it, have it big. So I don't know,

21:26

I wanna do that one year. Why not? It's my

21:28

dream, maybe I should make it sinking funds, and start

21:30

saving towards it. Winston, if you're watching, which I know you

21:32

don't, take a hint. That

21:36

sounds like a dream birthday. What would be your dream birthday? Oh

21:38

gosh. As it closed out. My dream birthday.

21:41

One where everyone's just happy, and everything on the

21:43

menu, it was everyone's taste. That's always my fear.

21:45

Oh, so it's a dinner. I think food needs

21:47

to be involved. Food, like great food and drinks.

21:50

Okay, so like a great taste, like a fun,

21:52

high class. Like if money wasn't an option,

21:55

and you could just like go big. Oh

21:57

man. What would you do? Oh my gosh.

22:00

I think I'd go back to my childhood.

22:02

I would love for all of us to like see

22:04

a movie, maybe then go to a comedy show and

22:06

then like go to a cool cocktail bar after. I

22:09

think that would be really fun. I think that's realistic

22:11

with money these days. I was thinking like a

22:13

European trip, George. No, I feel

22:16

like traveling with friends is too stressful. We've

22:19

been there, done that, not for me. Oh,

22:22

every month episode. You know, different schedules and everyone's. Yeah,

22:24

they have to be the right people, I agree. Exactly.

22:27

But you find the right person. And I also don't have a lot of, I

22:29

don't have a ton of friends. Kind of keep it

22:31

slim. Don't feel bad for him. He

22:34

does. She's like, Amelia's

22:36

teacher's cousin. I met her

22:38

once and she was so nice. All

22:41

right. Okay. So whatever some of

22:44

our takeaways, George. Number one, Rachel has

22:46

a lot of friends. I know. I

22:48

think number one. It's amazing. And don't ruin

22:50

your financial progress because of birthdays. Okay.

22:53

That's true. This is like gifts or throwing them or having

22:55

to go somewhere. Like just be free. Depending on your

22:57

financial season, it looks different. When you're in debt, you

22:59

may not have the big blowout birthday with the

23:01

white bounce house, but maybe one day you

23:03

do. Yeah. And that's

23:05

okay. And you know, small gestures, they don't have

23:07

to break the bank. And I think they're more

23:10

meaningful. And as our friend, Jade Wirtshaw said during

23:12

the Christmas season, adults don't need to

23:14

buy adult gifts. So she was bigger. I'm like, don't

23:16

feel the need to like buy a blender for aunt

23:18

Rita. Yeah. If she needs a blender, she'll get a

23:20

blender, right? So birthdays are different, but they are adults.

23:22

So like we have jobs now, but they are adults.

23:24

Children who need people to buy things. That's right.

23:26

Yep. So what I

23:29

do take away is I create a sinking fund just for gifts. So

23:31

every month we put away, you know, the hundred bucks

23:33

that by the end of the year, we have 1200

23:35

bucks that we just know is there for gifts. Christmas

23:37

and birthdays and everything. Christmas and birthdays, everything. So we

23:40

just know we have money sitting there for

23:42

gifts. That way it doesn't become as stressful. Like,

23:44

oh gosh, it's Joey's birthday this month. What are

23:46

we going to do in the budget? You just

23:48

have the sinking fund and you're saving for

23:50

that over time. I love it. So good.

23:52

So good. And again, yeah, there's,

23:56

I think overall people just, they do love to

23:58

feel loved and celebrated, right? So. It

24:00

doesn't matter the environment. It's more about

24:02

your presence and quality time. It sounds cheesy,

24:04

but it's true They really yeah, the memories

24:06

I have are not from like remember that time

24:09

they did this bit It was just like the

24:11

stories the way with the people that yeah, you

24:13

love and I you know I'm

24:15

gonna throw a link in here George Cuz

24:19

my my newest kids book is all about

24:21

gratitude and can and yeah, but

24:23

I'm glad for what I have No, I'm glad for where

24:26

I am my oh the new

24:28

one the new kids But George sets

24:30

out and my whole thing

24:32

with writing it was like being grateful for the

24:34

things that money can't buy I

24:36

love that so that's kind of like the

24:38

adventure they go the first one was all about

24:40

contentment Yeah, it's like I don't need all this stuff.

24:42

Yeah, and this one's gratitude and this one's more like

24:45

I'm grateful for all the stuff That's priceless. Yeah,

24:47

that's right. Yep, but they have to figure

24:49

it out through an adventure. Thank you. It's

24:51

really fun and George I'm grateful for you.

24:53

So I have a little surprise for you

24:56

George. You do I do a

24:58

little happy birthday Tree.

25:01

Oh, thank you. So welcome.

25:03

I don't know if this is gluten-free. Probably not

25:05

nobody thought about me. I promise is gluten-free

25:09

Well, I have a little treat for you Rachel it wait Yeah,

25:17

boy, yeah, did

25:19

you know I was doing this for you I May

25:24

I do the honors please We

25:27

drive electric cars we use electric gliders that's the kind

25:29

of people we are oh my and it

25:32

worked Thank you. You have a

25:34

you can let stop it And I thought we'd have

25:36

a little sing-along since you love singing and

25:38

move my mic out of the way and you're gonna lead us This

25:41

is for you, right? This is Rachel's. Yes.

25:43

We yeah, this is crazy Oh

25:45

my gosh, look at Us. Look at

25:47

us and we're gonna sing a little song together

25:49

and we're gonna have the team Yeah, everyone else

25:52

is sing too. All Right. Here We go. You

25:54

Ready for this? Yeah. The.

26:04

Happy birthday Ha ve

26:06

birds! They. Have

26:11

see those. Happy

26:17

Birthday! d. L

26:20

A. Z.

26:26

Z. Going

26:37

to. Wait

26:40

around the mood down. Have.

26:43

We weren't think that's pretty good

26:45

guy. Teach one court is it's

26:47

probably all the courts Taylor Swift

26:49

knows ready. I'm kidding. See knows

26:51

for. Sure, I

26:54

just put a thing right. There's no

26:56

one. There. We go now so let's see that's

26:58

a see. How did you

27:00

miss that? know? You're.

27:03

Holding outside the on. My team said. Well.

27:06

That's a problem. For Rachel, very go

27:08

okay up right? Or yep, That's

27:11

the same. As

27:15

in see you at raises birthday party. Was

27:17

the next season as I just did. You

27:19

do a birthday party Chuck E Cheese for

27:21

the kids. Didn't want such as he's. A

27:24

great diverted to be utterly. See, that's about

27:26

the can those. Using

27:31

his make my was I wish

27:33

for a. More generous

27:35

coho said the zebra and I'm

27:37

so sorry. Know that son tears,

27:39

rights or Sears towards happy to

27:41

birthdays May you have many more

27:44

youthful and may you have your

27:46

dream silent disco party. Idea:

27:48

You'll be invited. I. Hope so

27:50

You're inviting. literally sprinkles off

27:53

the streets. Wow

27:55

right it'll be right. A team really pulled

27:57

a fast as they were. like Rachel doesn't.

28:00

Yeah, I do. We just sit there and

28:02

your nails sneaky say Our little. New,

28:05

A good, and well please sit

28:07

a noun Us and Tomfoolery. Oh,

28:12

you guys are no investing To be really

28:14

confusing, There's so much information out there and

28:16

have you ever wondered? How. Much should

28:18

I invest? And where is my four O

28:20

one K set up? And a

28:22

that's going to the road sees my

28:25

retirement dream or those lessons or author

28:27

You are not alone and having a

28:29

solid investment plans are confident and will

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help you make the right decisions. That

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I want to tell you that a

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tonight virtual event of coming up on

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your tickets. Had de su hundred and

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at Ramsey's loosens.com/and best with confidence. My

29:17

yard storage well some of the into the

29:19

episode we so that every up there with

29:22

guilty. As charged. And this

29:24

of our producer, Skyler gives us a new guilty

29:26

asserts question every week and we're guilty. We take

29:28

a sip. Our. Have.

29:30

You ever been gifted something that you hate is

29:32

he had to pretend that you liked it. Oh.

29:35

Gosh, He's

29:39

is heated up. Winning the S would

29:41

like that's what. That's where most of

29:43

that is of again in the winningest.

29:46

The idea of a specific wedding gifts in mind

29:48

that you heated. Yeah, moises nervous, the people like what's

29:50

that in any mean and I'm like. I don't want

29:52

to like. I know that's what the I can see it

29:54

was as if it it's a will. oh I know. We

29:57

I doubt they were. It's fifteen years ago. live.

30:00

I don't remember. You'll make them more

30:02

self aware. I'm so nervous. Yeah, I'm gonna go

30:04

like. Like

30:06

some of it was from fans, some of it was from

30:09

family. All of it could be. I'm gonna go

30:11

like a vase flowerpot

30:13

genre. Oh. And

30:16

it was just something. You know? It

30:20

was something. That's fair. Yeah,

30:22

yeah. I think like one of their family members was

30:25

like into glass blowing or something. And

30:27

it was, yeah, not like aesthetically pleasing. We'll just say

30:29

that. Much. It was

30:31

great. It was great. Wow, I've

30:33

gotten some, not a lot, but

30:35

a few handmade gifts from people. Some

30:38

even fans, not of this show, but

30:40

in general. Of course not, no. And

30:43

they were very thoughtful, nice, sweet gifts.

30:45

There's a lot of camel just paraphernalia

30:47

around our house. I do bet people do

30:49

that a lot. A lot of camels. A

30:51

lot of camels. Things that say camel, things that

30:54

are camels. And I'm into that. We got a

30:56

Picasso line art that I chose. Yeah.

31:00

Which you know when he died. And

31:02

you'll never forget it. You'll never forget.

31:04

Never forget. I

31:07

don't know how you could at this point. All right, George,

31:09

you have to finish your drink first. Me? No,

31:12

I think I did before you cheated. I

31:15

almost spilled that one. Well. I thought

31:17

it was great. You didn't even finish your sentence. This

31:19

was really, really nice. So this was a paper

31:21

plane, not a paper airplane, which you said earlier.

31:25

Forgive me. Sorry.

31:28

It's a different truthfully. Yeah. But a

31:30

paper plane. It is

31:32

a difference. All right, here's what that is. Bourbon,

31:35

Aperol, Amaro, and fresh lemon juice. $2.89

31:38

per glass is what it costs. Okay.

31:41

And it's one of mixologist Michael Reddish's

31:43

favorite drinks. Oh, is it really? It is. And

31:46

he nailed it. It's a little sweeter than what I

31:48

would predict he would love. Yeah, I'm wondering what adds the

31:50

sweetie to it. The Aperol. I guess.

31:52

Yeah, yeah, yeah. That's great. I loved it. I'm

31:54

gonna go 10 out of 10. I couldn't improve

31:56

on it. You said you wouldn't necessarily order it. I'm

31:58

going 9 out of 10. Okay. All right,

32:00

I feel like that's a win for

32:02

both of us. All right, get the recipe

32:05

and the show notes and give it a try this weekend

32:07

and thank us later. It's closing time. So if

32:09

you enjoyed this episode, make sure to leave a

32:11

review. It is always helpful to hear from you

32:13

guys. We love it, so thank you. Subscribe

32:16

to the podcast. Thanks

32:18

for listening and we'll see you next Thursday

32:21

on an all new episode of Smart

32:23

Money Happy Hour.