0:00

What's up guys? This episode is brought to

0:02

you by our favorite budgeting app, Every Dollar.

0:04

Rachel and I love Every Dollar because it

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is the easiest way to take control of

0:08

your money, build the right habits, and make

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progress on your goals. You can download it

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for free on the App Store or Google

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Play today. Hey

0:21

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

0:24

is Smart Money Happy Hour.

0:27

Here's George. Easy. Easy,

0:29

easy. No clink today. A lot

0:31

of cocoa powder on this rim. You

0:34

know what? Delish. They

0:37

say milk does the body good.

0:39

We'll see. Delish. Let you

0:41

know. Well, this is the show where two friends

0:43

who happen to be money experts talk about what

0:45

you're talking about. So everything from pop culture, current

0:48

events, and money. And today we

0:50

are really showing our age. Per

0:52

usual, your millennial mom and dad coming

0:55

in hot, guys. About six years late to

0:57

an internet trend, but better late than

0:59

ever. So we are doing the today

1:01

years old trend, which

1:03

means we were today years old

1:05

when we found out X, Y, and Z. So

1:08

we're going to talk about that, things

1:10

in life, your money, all of it today. Why

1:13

always sip on a? Espresso

1:15

martini mocktail. Mocktail.

1:18

Don't get it twisted. This

1:20

is just Nesquik for adults, guys.

1:22

You know what? It's delicious. I wouldn't

1:25

give kids espresso. I think that's a very

1:27

bold move. So that is why. Do you mean

1:29

expresso? I didn't mean that. I

1:31

thought you would hate me for that. So I just

1:33

spin it to God. I do. And

1:35

thank you for bringing it back. It's kind of pokey a little bit. But

1:38

be honest, you have not said expresso since. I

1:40

didn't say it before it. I

1:44

didn't. What'd you say? Espresso. Espresso.

1:47

I said it right. I've said it right and

1:49

will continue to. You've never been wrong. Well, hey,

1:51

if you want to know what our rating is of

1:53

this drink and the cost per glass stick around until

1:56

the end of the episode. And as always, the recipe

1:58

is in the description and show notes. Analysis

2:00

or with the obvious towards again the am.

2:03

Or. Today years old. Today. Years

2:05

old that trans it's it's been all

2:07

over social media and like funny things

2:09

like people. Are throwing actually helpful things that

2:11

I'm a guy I didn't know genuinely? And are

2:13

you guys think we just know everything but rates

2:16

all. Learned about blinker fluid recently

2:18

by Think that says it's You know you're

2:20

never too old to learn. Never too old.

2:22

Yep. We. May know more than the

2:24

average person about you know boring stuff like

2:26

interest rates and insurance policies, but we've got

2:28

our blind spots to you. once mispronounced. A

2:31

I as L. A disease and

2:33

so. You know we've all got room

2:35

to grow on. It's a minor learning about.

2:37

You know, raising a child a human child

2:40

as rape and not a furry child? So

2:42

girl that lives. That's a whole new thing

2:44

for man. Named Lots to learn George say

2:46

I have some fun at today and we're in

2:49

a Sarah Things About Money and like that again.

2:51

We wish we had known Early Earth or pay

2:53

it forward to all of you and I think

2:55

it's gonna be. Oh I think this is like

2:58

a good class this episode as get it since

3:00

as lot never seen. You so optimistic

3:02

about an abscess like this? I

3:06

feel it sort of my bones, Cylinder. My

3:08

bones or as let's start off

3:10

with a little history lesson if

3:12

you will Back in, add twenty

3:15

eight teams. Before. Twitter was

3:17

X known as x or more he

3:19

was Twitter Continue ah the I would

3:21

say years old trans really took off

3:23

at all I know and that's some

3:26

people get. Some of them were like

3:28

no brainer fact some of them was

3:30

like wait what's oh. says.

3:32

Are some examples: Ah, my calling

3:35

someone a dime. Means.

3:37

You're calling them at ten. I've

3:39

never called some on a dime as feels

3:41

somehow not okay. Owning

3:44

how the concept for I I wrote

3:46

I've. Never been. The Fedex logo has

3:48

an arrow. On it. That one shocked me to

3:50

my core. Since you know that the up amp. Crazy.

3:53

The fruit of the loom logo does not have a

3:55

cornucopia in it. Can Net Oh that's.

3:57

A whole conspiracy. well that's the

3:59

conspiracy of the

4:04

Mandela theory

4:07

of what we believe, yes, the fact

4:09

that we believe something, the Monopoly

4:12

guy does not have a monocle.

4:14

It's Mr. Peanut. What

4:17

did you call it? A

4:20

monocle. What

4:23

were you going to call it? I'm sad that I missed out on

4:25

what you were going to call it. It's

4:28

an eyeglass thing. You

4:30

were going with eyeglass thing? That was

4:32

final answer. Yeah, like an eyeglass

4:35

thing. You had

4:37

the motion down. I was today years old when I

4:39

learned about a monocle. Monocle.

4:42

You ready for this? Yeah. A

4:44

pickle is a pickled

4:46

cucumber. I did know that. What

4:48

about a, what about a raisin? A

4:51

dried up? That's a grape that's lost all

4:53

its hopes and dreams. Done. Sure.

4:55

That's all it is. Do people not

4:58

know that raisins are? I don't know. Well,

5:00

pickles, I would assume people know a cucumber, but that was

5:02

a cucumber. People don't know that cucumbers and pickles

5:04

are the same thing. Just one

5:06

is bright. I don't think some people know what raisins and grapes are

5:08

the same thing, George. Well, I'm

5:11

learning, Rachel. How

5:13

about the division symbol is

5:15

a blank fraction with dots replacing

5:18

the numbers. Okay,

5:22

that one actually is very impressive. That's pretty cool.

5:24

I got to hand it to Matt. This

5:28

one will get you, Rachel.

5:30

The Taylor Swift lyric is not, got

5:33

along with Starbucks lovers. No, it's not.

5:37

Although it would have been a great product placement for Starbucks. Yeah,

5:40

that was funny. Okay, iPhones. I did

5:42

learn this recently. You

5:44

can text the word pew pew to. Text

5:48

me that. I am. I

5:50

have never seen this. This is so, this is so fun. Let

5:52

me unblock your number. I'm kidding.

5:57

Tell me when you're ready. All right, Go. Oh.

6:01

Oh my gosh, Is that Not

6:03

cray cray. I

6:05

love that like we could be during

6:08

cancer Babbel. that's sad. Lasers on people

6:10

say pew pew and the guys must

6:12

have this. What's.

6:16

Up Guys if you want to be better with

6:18

money to your first step is to start budgeting

6:21

with every dollar this is the app rates on

6:23

I both use and trust me it's great because

6:25

it gives you everything you need to make budgeting

6:27

easier. Faster and dare I say, even

6:29

enjoyable. Yeah, I think you can say

6:31

that, George. I mean, it's pretty enjoyable

6:33

to have more money, right? And that's

6:35

what happens when you're intentional with your

6:37

spending. Guys Download every dollar for free

6:39

on the app store or Google Play

6:41

today. And

6:45

and. As soon as

6:47

I would say years old when

6:49

I learned about ones that suffer

6:51

with sets up contribution. So

6:54

not catch up the condiment to see all

6:56

understand. People get confused

6:58

when we say. Contributions.

7:00

In Condoms Catch up. A

7:03

sense of kind of funny. Yeah.

7:05

Notes had some contribution. Cats Cats

7:07

up. Up. Yeah,

7:10

people aged sixty or above are able

7:12

to make cats up contributions their four

7:14

o one k every year and so

7:16

use it as a limits for us

7:18

younger whippersnappers and all was else. But

7:20

as you at near retirement age you

7:22

can actually boost that and it was

7:25

up to seventy. Five hundred dollars and

7:27

twenty three. Or four one k and same

7:29

as I was on fire A It's a lower

7:31

amount you can contribute extra but so great. bonus

7:33

for those that are fifteen gone I have. Not

7:35

saved enough or time. And yes, absolutely

7:37

than six is a four o one

7:39

K name. Words and all of this

7:42

one. Zola. As at a dinner party for fun.

7:44

It's. Just like as a lose friends sicily.

7:47

And hurt everyone you love. So

7:49

it's just named after the section of law.

7:51

Firm where it comes from. The.

7:53

Four O One. K Subsection

7:56

K Subsection K and are all

7:58

it says as an employer. Can.

8:00

Have a retirement plan Manically that

8:02

simple. Oh My. God. When people

8:05

say be there or be square,

8:07

it's not only because they're losers,

8:09

is because if someone's not, they're

8:11

They're not. A. Round.

8:14

They are square if they're not.

8:17

Around laugh.

8:20

Out loud wise as I have no friends, that's

8:22

a good one. If you say that I will

8:24

not be there because I will not attend your

8:26

of and. Sooner this the

8:28

drawer in the bottom of your cells is to

8:30

keep this is warm so when they come out.

8:33

Of the oven it's successor other parts of

8:35

hims. I. Don't know what can a

8:37

psychopath as keep in their dishes with food

8:39

in their. If the more

8:41

was like a warnings. Or this one will blow

8:44

your ever loving mind. If something is

8:46

made of genuine leather, it's not saying

8:48

it's real. Other genuine is the actual

8:50

name of the lowest quality leather. Ah,

8:53

So. That's what you see genuine leather on really crappy products.

8:55

Short, how do they of course, as I do that

8:57

as long as cause it's terribly. Made a

8:59

Man A for this the

9:01

D S and Nintendo Ds

9:03

Sanford dual screen. While.

9:06

Though and didn't during my list. Either

9:10

was really hoping for something big and

9:12

analyzes open for one. You

9:15

the guy com Snoop Dogg and

9:17

Brandy Your first cousins know. Said.

9:21

The front door. Wow.

9:25

Arrests. Any

9:28

random facts, life lessons you learned.

9:30

Yeah, I have one hand I actually

9:32

read posted on Instagram that blew my

9:35

mind. If you had to guess and if

9:37

you some else around that. On folly I am

9:39

of the fall you again. And

9:42

bug my number for me. Get on the

9:44

side view as guess. And. Then he was

9:46

there. You know the answer. Don't play like it's more

9:49

fun. If you don't know it or. What year to

9:51

Bokassa die? Oh and

9:53

throw. It out there any like chess.

9:56

On. A big A while. Yes, Nineteen seventy Two. Mobile

10:02

game. I

10:05

was guessing know you weren't you

10:07

just because I'm. Smart. Ah

10:09

yes! Or I play against

10:11

Wigan. They. Have you

10:13

know it? Don't say Rune next.

10:15

We. Don't know, I don't have. that was

10:18

a. With Elena, Picasa died in

10:20

Nineteen Seventy Three. I

10:22

was home within like the fifteen hundred. Relay:

10:26

The Renaissance movement. Lindsey's

10:28

know there's. A

10:33

Beethoven would hang out together

10:35

so. That anyone else realize that he

10:37

died And seven. To be fair, I thought he

10:39

was older. I thought it was. Thank. You like that

10:41

sits in hundreds. When I was only nineteen,

10:43

Hundreds, but so. Wasn't

10:45

that far back. Bomb.

10:49

As. Is a lack of timeless? That's why I. Can

10:51

believe it! Simply. That that's my mom fact

10:53

today years. Old My or nap. Yeah,

10:55

that's a good one. I know, really, that Mumbere

10:58

A for those I. Was

11:00

actually my friend Chris the rights and I

11:02

said oh i I would have done that. You

11:04

know, if I could ever something. As

11:07

she wrote back and. See

11:10

you I'm sorry C

11:12

O. U. Ld

11:14

could. Have

11:17

a it's a the he wrote

11:19

back. And. I was like

11:21

what ensues ice. You you miss

11:23

your you? you didn't say that word

11:25

right. it's it's could have of like

11:27

grammar police and she's like no for

11:30

real like. Know. As. I

11:32

was I right and I wrote. Could. Have.

11:35

Could. Oh.

11:40

Good at all L a contract. Says

11:42

knew it. Was.

11:45

Type and. Let The Spirit

11:47

Lab Head I wrote. This.

11:49

Went on for a year. Know that yet? Just that. Sex

11:51

is it. But I don't know. have I been doing that

11:53

for years? I. Don't know. couldn't I was

11:55

like oh my gosh, she was like yeah so it

11:58

was the last about it a lot that ira. Um,

12:01

could have. Wow. Yeah. But

12:04

I'm glad if that's a true friend, that's like someone's like, Hey,

12:06

you got something in your teeth. You know what I mean? She

12:08

was like, I was like grammar fully. She's like,

12:10

no, no, it's not even grammar. It's the actual

12:12

wrong word you're using. Anyways,

12:15

I did that. Thanks, Christie. Give us

12:17

something dumb. You've just learned about George.

12:20

Um, I just Google things

12:22

when I don't know. So it feels like, you know, I

12:24

don't know. There's a lot that I'm like, Oh my gosh,

12:26

this blew my mind when I found out. Really?

12:29

Did you know that you need to cut the stems

12:31

off of flowers to, and when you add water back

12:33

in, uh, yeah. And I felt in the recently, you

12:35

can put a little bit of bleach and

12:38

is it baking soda or something in the water

12:40

and it keeps them fresh longer? Keeps

12:42

more fresh. Oh, the flowers. Another

12:44

one for you. Okay. Putting a

12:46

little splash of white vinegar in

12:48

the laundry helps deodorize and

12:51

it's a natural deodorizer. Really? Very

12:53

clean. It's like crunchy moms. Love

12:56

it. How about a lemon? A lemon

12:58

does a lot in the kitchen. You can actually take

13:00

it, put salt on it. Oh yeah. Uh,

13:02

clean your sink. Yes. All of that. And

13:04

then you can actually put it in your

13:06

dishwasher, wash

13:08

your dishes with a lemon, a half of a lemon, and it

13:10

comes out and it is like just

13:13

limiting. Yep. I'll

13:15

be a sitting. Yeah. Um,

13:17

investing best practices. So

13:19

the best way to

13:22

invest, we always teach us 15% of

13:24

your income into retirement and you can

13:26

do this, you know, multiple ways, right?

13:28

Roth IRAs, 401ks. The easy way to

13:30

remember is five words match beats, Roth beats traditional. So

13:33

if you have an employer match, invest up to that

13:35

amount. Then if you have a Roth IRA,

13:37

you can max out, go there. If you fill that up,

13:39

you're not at 15% go back to the 401k

13:42

and finish it out. Yep. So it's all

13:44

that out. Things like the HSA is

13:46

a great place. That's a good Today, years

13:48

old because that one people don't know about

13:51

the health savings account. If You have a

13:53

high deductible health plan, you get an HSA

13:55

attached to that, and that money can roll

13:57

over year after year. And there's actually an

13:59

investment portion. That. You can build up

14:01

just like you wouldn't Four One K. Yep, and

14:03

when you turn sixty five if you haven't used

14:05

it all, a kind of converts to a traditional

14:07

Four One K K. Yep, so you don't have

14:09

the disease on healthcare, but you get the most

14:12

benefit if use that on healthcare because it's completely

14:14

tax free of that. Yep, the threats out. That's

14:16

the life hack with Aids essays. Health

14:19

insurance benefits sitting on a paycheck.

14:21

So. Insurance is the Christian obviously

14:23

we need when it comes to health

14:25

care costs and all that the that

14:27

is, even if you're eligible for benefits

14:29

at work, usually some of it comes

14:31

out of Europe paid sex. So again,

14:34

this is there. Is. A big

14:36

part in it for see people don't realize.

14:38

easier for Spacex sometimes your allow their yum.

14:40

Yum! Along with social Security and Medicare

14:43

and all of us are good. For all

14:45

these things, take him out and heart of

14:47

it. Yep, so at. The average cost

14:49

per month with a family's five hundred and

14:51

nine dollars. The average cost per month if

14:53

you're single as a hundred and eleven of.

14:56

Their tracks or yeah, I believe it. Tax

14:59

write Offs: This is a very

15:01

young mom, does a lot of

15:03

tax exemption opportunities. Home renovations,

15:06

teach her classroom supplies, charity nonprofit

15:08

contributions, childcare, certain medical expenses, adoption

15:10

credit, self employed expenses. There's even

15:12

a gambling loss Credit? No way.

15:15

Lightning. Oh my gosh, he can

15:17

make we have. Club. This am on

15:19

or instead get a lesson we have said

15:21

about tax write offs. Tax. Exempts

15:24

electors all these terms. Deductions vs

15:26

credits. Yes Yes Yes! So walk through

15:28

all that you have any exemption. With this

15:31

is an interesting one. Deductions: Will.

15:33

Reduce your taxable income so the hundred and some

15:35

doesn't about we are for you. Get your tax

15:37

bill deductions. He'll bring your taxable income down. Yes,

15:39

I'm said I'm making seventy. The Iris as really

15:42

you made sixty and a lot of those are

15:44

out of the Simpsons. Yes, And

15:46

then credits is kind of like a discount

15:48

offer. total bill at. The end. Yep to get

15:50

your tax bill and then it's like oh, I

15:52

have the child tax credit. I can lower that.

15:55

Down. Down Down Them. so it's kind of

15:57

a before now for reductions are kind of the pretty

15:59

and then Credits are sort of the post right but

16:01

the write-offs come out out of your income Yeah,

16:03

and most people can only do this if they're itemizing

16:05

and for most people it makes sense to go standard

16:08

deduction That's right. So a lot of these won't apply

16:10

don't get your feelings hurt The standard deduction can be

16:12

a great way to go. So just you got to

16:14

do the math and a tax pro can help with

16:16

that How about this one George? Did

16:18

you know that pennies cost more to manufacture than what

16:20

they're worth? That feels insane.

16:23

I did not know that it feels

16:25

right though, right? It would take

16:27

more than just a penny to make a penny and why

16:29

makes Hmm

16:33

what are we doing with all these penny? Governments

16:35

he well, here's the static and at

16:37

you it costs two point one cents to make

16:39

a penny. There you go The first

16:42

universal credit card was made in 1950 So

16:46

individual companies made their own version starting the 1920s

16:49

But the Diners Club created the

16:51

first single card eligible for multiple

16:54

establishments American Express fold Shortly in

16:56

1958 and now they still

16:59

are living live in

17:01

large all American Express I share 36 percent

17:03

interest rates on some oh my gosh,

17:05

that's insane I share the story of how the credit

17:08

card is made in my book breaking free from broke

17:10

in the credit card chapter Yeah, it's interesting to go

17:12

Like how did we go from a cardboard?

17:15

card for a guy who didn't have his

17:17

wallet at a diner to now the insanity

17:19

of a Titanium card and you

17:21

want to use it to flex and all the

17:23

interest rates are insane and now we're over a

17:25

trillion dollars in credit Card debt as a nation.

17:27

Yep. It's out of control. All

17:29

right, the last one George swarms our hearts It's

17:32

for the use of America use some heartwarming. I

17:34

know Personal finance

17:37

courses in high school is now required

17:40

in 23 states half of

17:42

America is requiring

17:44

seniors before they graduate To

17:47

take a personal finance course and I've done it. So

17:49

that's millennials always wanted, you know, can I give

17:51

you a fun fact? Yeah, our writer

17:53

Savannah who helped write this episode. Yeah,

17:56

okay 2009 version of

17:58

the Ramsey personal finance curriculum called Foundations in

18:00

Personal Finance. She was a high school sophomore,

18:02

and it taught her how to budget, and

18:04

it helps her buy her first home at 24 on

18:07

a teacher's salary. It's too

18:09

much, like the full circle. We're

18:12

so full circle. Well done, well

18:14

done. So if you are in

18:16

high school, badger your

18:18

parents and the board of education,

18:20

whoever's involved, the district, get

18:23

the district involved, and get Foundations

18:26

in Personal Finance in your school. And I love talking

18:28

to students and teachers who are part

18:30

of this, it's great. ramseyeducation.com, fun plug for them

18:32

there. And if you aren't in school, check out

18:35

Financial Peace University. It's kind of the adult version

18:37

of what we teach in there. It's

18:39

not too late to go learn some things, y'all. That's

18:42

really the TLDR here. That's

18:44

right. Well, George, as

18:46

we kind of wrap this up, what do you feel like

18:48

we've learned in this happy hour? More

18:51

than I wanted to. Is

18:55

the knowledge just seeping out?

18:57

Like you just know so much now. I

19:00

think I thought there'd be more like life-changing facts.

19:02

And instead it's like, if this was a trivia

19:04

night at a local bar, I'd be

19:06

like, oh, okay. You can use lemons to clean

19:08

your sink. 1973, don't forget it. That

19:10

is a good one. That's a really good one. Not

19:13

with da Vinci. But yeah, the big one is you

19:16

don't get a pass just because you didn't learn it

19:18

in school. Like you need to learn it now. Yes,

19:20

yes. It's not this fatal, like, well, I never learned

19:22

in school, so I'm gonna continue to rack up debt.

19:25

Go learn, go read one of our books

19:27

or go through Financial Peace University, watch the

19:29

Ramsey Show and get educated on this.

19:32

We need to get educated on non-money things. We have

19:34

a lot of work to do. Yeah,

19:36

but especially with your money, as you're

19:38

learning, have the discernment to say, okay, how

19:40

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it worked for people? Has it not? You

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21:26

right, Jordan, it's almost the end of the episode and we

21:28

close out every episode with guilty as

21:30

charged. And this is where our producer

21:33

Skylar gives us a new guilty

21:35

charge question every week. And if we are guilty, we

21:37

take a sip. Have

21:39

you guys ever realized you've been mispronouncing

21:41

a word your entire life? Oh my

21:43

gosh, could have. Yeah. I

21:46

have. I have one. Okay, I gotta

21:48

remember it. Okay. What's the, it's not

21:50

a spontaneous spontaneous.

22:00

Yep. You know what I said? Spontaneity?

22:04

Spontanuity. I like that.

22:06

What's the right way to say it?

22:14

Spontaneity? Spontaneity?

22:17

That's what I would say. I would say Spontaneity. Now

22:20

I'm confused. But what's the right

22:22

way of saying it? Spontaneity. Spontaneity. Spontaneity

22:24

is the right way. I would

22:27

say Spontaneity. Spontaneity. I would

22:29

say Spontaneity. Spontaneity. That's

22:31

different. Yeah. I mispronounced it. I

22:33

know I mispronounced it. Wow. I have one that

22:36

I was really embarrassed by. Okay.

22:38

As you know, sometimes I'll get, you know, kind

22:40

of cracked hands and I'll put some

22:43

hand salve on.

22:47

I didn't know it was pronounced salve. I

22:49

was saying salve and

22:51

I was very disappointed in

22:53

myself that the L was silent and

22:55

no one told me for years. I mean, that feels

22:58

very bougie though. I would have just said lotion. I

23:02

was reading the front of

23:04

the keel's hand salve. I

23:07

can't. Go

23:09

and be... You need a little

23:11

Spontaneity in your life. Spontaneuity in your life. Spontaneuity.

23:13

Spontaneuity. Yeah. I mean, I'm just being

23:16

honest. I didn't know salve is salve.

23:18

And why is the L silent? Like

23:21

why you would put the L there? Yeah. Silly.

23:27

Other than that, I... Will you ever

23:29

in Spelling Bee? No. I

23:33

was in Decka debate club though. Wow.

23:36

Probably honestly a more useful skill

23:39

with the advent of spell check. So true. And

23:42

voice text. Now the worst is when you

23:44

voice text... I know

23:46

you try to spell on Google. That's what I'll do

23:49

sometimes. And it doesn't even come up. It's like an

23:51

option. Like we have no clue what you're looking

23:53

for. It's real bad. Oh

23:55

no. Man I voice text.

23:59

Spontaneuity. You know and it knows

24:01

hopefully Well, I was

24:03

in the spelling bee third grade. I'll never forget

24:05

it. You were our team screwed up on the

24:07

word Mozzarella we did not know

24:09

it had two Z's and we

24:11

lost the spelling bee and Now you'll

24:13

never get me never forget it. It haunts me

24:16

to this day Yeah, so not a mispronunciation, but

24:18

a misspelling that cost me a spelling is I

24:20

probably caught me a scholarship in college I don't

24:22

know. You don't know how that affected my life.

24:25

Yeah, the insecurity that just plagued you I

24:27

don't know. I could have been like spelling bee champ at

24:29

this point, but I said I gave up on spelling bees

24:31

forever Yeah, those those

24:33

kids are about you Skylar. I feel like you never

24:36

mispronounce a word Perfection over

24:38

here. No, I do a lot. I'm

24:40

also not a great speller but mischievous

24:42

mischievous No mischievous

24:44

is what you were saying instead of missing

24:46

thing mischievous my whole entire life Wow

24:49

That's a good one Thank you for

24:51

your honesty You're

24:56

so mischievous mischievous. Yeah,

25:00

I think you probably is all right

25:02

Wow Wow, here we go. Okay All

25:05

right, good six minutes on that you're

25:07

a lot closer. Yeah, I liked

25:09

it for a mocktail It was an

25:11

espresso martini mocktail I'm

25:14

going eight out of ten eight out of ten. Yeah, let

25:16

me take another sip before I would be it

25:19

is pretty sweet But the

25:21

coffee part is good Yeah,

25:24

I'm gonna I'm gonna give it a I'll

25:27

give it a six out of ten It

25:30

tastes like nest quick, but you added coffee

25:35

And so like it's good in a sense that

25:37

if I was a child I'd be like But

25:41

I was gonna go I Think

25:43

I just want to be a little more complex

25:45

and a little less chocolate milk. Yeah,

25:48

but yeah, it's very good Good

25:51

but I would not order this I

25:53

try to also avoid it's heavier on the

25:56

dairy Yeah, but if you don't like drinks,

25:58

you'll enjoy this as a mock if

26:00

you were ever seven and like chocolate milk. No, if

26:02

you're out with friends and you don't drink and

26:04

all your friends get espresso martini, to ask for

26:06

a martini, I would do an espresso martini mocktail.

26:09

That's fair. And join the group. Yeah. And

26:11

I think you'll enjoy it. And if you want to know

26:13

what's in it, I'll tell ya, it's got cold

26:15

brew concentrate. You can always use espresso for a

26:18

more classic taste. It's probably gonna be a little

26:20

more bitter than the cold brew, but

26:22

it'll be a little more punchy. It's got heavy

26:24

whipping cream, simple syrup, which I

26:26

think is the sweetness that you're

26:28

tasting. Vanilla extract, a little

26:30

salt, cocoa powder for the rim

26:32

and whole beans of

26:34

coffee to garnish. That was a lot

26:37

of work. I think you need to say

26:39

thank you. Thank you, Taylor. Well, I

26:41

witnessed her making it back there and I took a video. Oh.

26:44

And it was a lot going on. Impressive, very

26:46

impressive. So the cost breakdown is $2.15 per glass,

26:49

but you will impress your guests with

26:52

this one. Yeah, very fun. Don't drink it

26:54

after four o'clock. Yep, and the recipe will

26:56

be in the show notes. And

26:58

George's closing time. You guys, thanks

27:01

so much for listening and watching this episode. If you

27:03

loved it, make sure to leave a review. Let us

27:05

know what you love, because we

27:07

read them, appreciate you guys. We do love them.

27:09

And make sure to subscribe and share with your

27:12

friends and your family. And we'll see

27:14

you next Thursday on an all new episode of Smart

27:16

Money Happy Hour.