They talked about phone bills, just be careful and make sure your phone carrier allows services on the cruise. I went on an Ensenada, Mexico cruise and while my carrier allowed free calling, texting, and data in Mexico, I was charged $40 for two minutes of calling because we were "at sea".
Dang Rachel your oldest is still young. I figured it out early 6th grade. My daughter is 10 & in 5th and we are still holding on to the belief in Santa!! I believe in cherishing and preserving all these sweet things that keep our kids as innocent and wholesome as possible.
This is why I have hope for these two. She mentioned the arbitrage of a high yield against the tax refund. Now if we can just get them to recognize how important the 401k match is we will be on the right track.
My wife and I decided to not do Santa with our kids going forward, our oldest knows, and we have a 3 year old and one due in September. Not everyone agrees but we just feel like it will be better to not focus on Santa and focus on the religious aspect.
Oh my gosh, yes! Newlywed here; once we got better paying jobs, paid off our debt& saved up our 6mnth emergancy funds; i watched all the avalible ransey affiliated free videos, read all yalls books, signed up for all the free newsletters& then had an adulting day with the hunby. We set up wills for both of us, our roth iras, our HYSA,& downloaded the every dollar app; making a mnthly& yrly budget. I felt SO much better knowing we were now working towards sucess& had taken care of all the paperwork, i then sold all the renaining luxery items i had on the Real real,& then decluttered the house & donated all our unwanted & un usedwedding gifts !
I went to the dentist regularly when I was younger. When I was in my 30's, the dentist tried to talk me into doing more dental work even after microplaning, a dental implant, root canals, veneers, etc...he said it was necessary if I wanted to "keep my teeth from falling out by the time I was 50". I never went back and have only been to a dentist a few times for a cleaning. I'm 63 and still have ALL my teeth.
George Mia is adorable and the video of her calling you DaDA is too cute for words. It warms my heart. Rachel I agree that learning Santa Claus wasn't real too away my Christmas magic. Being an Adult isn't as fun as I thought it was going to be.
15:10 I also never heard of a tax refund until I was an adult and all my friends were excited about tax season. My mom is very particular about fine print and always made sure she never owed any taxes or received a big refund and I have always been the same. Once I was 20 I started noticing my friends excited for their tax checks that I wasn't getting which made me sad until the Ramsey show taught me that my friends are just loaning their money to the gov interest free.
When my dental appointments were in the morning, I had all sorts of expensive problems that needed to be fixed. When I switched to the last appointment of the day, all of a sudden my teeth are great! 😅😅😅
As a 40 years old man I will say that being an adult is great. Also I have a job well paid and love my job. So I enjoy a lot more going to work than going to school. I also told my sister when she was a child (she is 17 years younger) that being an adult is great and now she can confirm that she agrees with me.
Thanks for the travel debit card hack! & this year when I hear Jingle Bells, I will think of the Kamel family singing Santa Claus, Santa Claus, Santa Santa Claus 🎅
On that topic on home maintenance cost, here in the greater Seattle area, pest control cost about $80-$100 a month, lawn mowing also about the same. I could definitely see avg cost over $6k now a year.
My high school had a pay phone in it so after a school dance when I was ready to go home I’d have to have a quarter to call home lol. I do have to say that it is awfully fun to be an adult and pick all the furniture and pretty things for our home and to pick the foods and meals we get to eat. But ya, the house cleaning and laundry side of it got old real fast 😂
I did too but it’s definitely a different feeling when you just help with a few aspects of it as opposed to being in charge of it all. And I have three small kids who aren’t of age to really help yet 😅
Really enjoying the conversation and personal stories and tid bits ☺️ Rachel, your hair looks so good on you! 🔥 I loved the longer episode. Will you make it a full hour for us?? 🤌♥️
I will never be under insured again. A few years ago I was in a wreck that totaled my crappy little mini van. After that I was without my own vehicle for TWO years. I had to depend on so many other people. I cancelled my auto insurance because I didn’t have a vehicle. Well fast forward to last year and I got insurance and a vehicle. Now I pay almost $300 a month for auto insurance because I didn’t have insurance for two years. The insurance industry punishes people for NOT buying their products when you eventually need it.
Property tax is the biggest and most widely excepted scame I can think of. some of the houses we looked at had a higher monthly property tax than our rent! just regular old 3-4 bed 2 bath houses in NJ, and we lived in a comparable rent stabilized appartment.
Don’t even get me started on property taxes 😂 Not to mention the fact that we have to pay sales tax on a USED car purchase. Why?! The car has already been taxed. Maybe even multiple times. It’s a huge scam.
9:45 we'd have ou lr daughter pick out wrapping paper she liked and put it under the tree for Santa's helpers to get before Christmas. Then we'd hide it away and use it to wrap her presents from Santa. We even had to switch up the handwriting for those gifts cause she'd analyze that against ours 😂. She is the daughter of 2 business analysts so I wouldn't expect any less.
George, your video is out today on TH-cam with the STATS you said about how extra money slips outta your hands and that tax refund is used for debt and savings. Pick a side.
George, so glad your beautiful hair is growing back. You're already cool George, a hood haircut does not make anyone "cool". I love your hair, love you being you, handsome in your elegant hairstyle. Thank you for your style George.
If you put $50k in a HYSA, you will make enough interest to pay property tax. At least for many states/homes. Do that after you pay off your home then you now can technically live for free ignoring food.
@@electrodynamicorb6548 Because the HYSA deposits in my account monthly and I can move money in an out easily. I have retirement accounts I never touch and they do most of the heavy lifting.
I hate driving/buying gas 😂 Being an adult is all about trying to find cheap hacks and not spending your money while trying not to become the old grumpy and bitter neighbor from living off your crappy retirement fund
My parents never did Santa with us and we don't do Santa with our kids. We firmly believe that it's lying. When other kids talk to my kids about it we become the jerks if we don't lie. So we say "I don't believe in Santa". It's the perfect none lying answer.
I agree. My parents did santa, but if I ever have kids I don't want to do santa or any of the others because it legitimately is lying to your kids. There's this stupid social pressure to keep up this long term lie to all kids under at least 10 and then you have to turn around and confess to them that santa isn't actually real and it's disappointing to those that want to believe. Thankfully I wasn't that caught up in it and I think I knew before my parents told me so it wasn't devastating to me, but I could see that being an issue for some kids and I don't want to do that to my future kids.
Okay Rachel, I hope I can speak for everyone and say I want to see a video of your kids eating their Cheerios before school and you're chowing down on Chunky Monkey ice cream! It will be hilarious!
I THOUGHT EVERYONE GOT A TAX REFUND AS AN ADULT😭😭😭 at age 19 became self employed as my first real job along side my husband and guess what… we learned very quickly the tax lady wasn’t* scamming us😂
31:31 Rachel doesn't know the title of her own book 😬. "I'm Glad For Where I Am" yikes. They even put that in the description. The book is titled "I'm Glad For What I Have"
Here’s my 2 cents and I’ll be ducking from the tomatoes…. We have nine kids and never did the Easter Bunny, Tooth Fairy, or Santa Claus. Most of our children are adults with wonderfully creative minds and are very artistic in things they do. They never once have told us they wish we would have done those things. Three of them have children and they don’t plan to do those things with their children. Our take is that they can’t see those things and they can’t see Jesus so what happens in their minds when you swore all those years that those things were all very real and at some point they are all fake except Jesus? We have still made the holidays magical and special and have no regrets.
So they don't believe in anything bigger than themselves? They have no belief in anything they can't see/touch/taste? They have no faith? Your children also wouldn't ask for something they had no experience with...so if they didn't experience Santa, or the fun of it, then they wouldn't know to ask it. I have found people who do the whole "can't see it...not real" thing tend to be cynical when it comes to many things in life (if not life overall).
Loved this episode your a kid one day and adult another. Would love to go on a cruise, but working to pay off the few loans I have to hopefully graduate debt free in December first can’t wait to do that debt free scream
George worrying about using a debit card abroad when most of the rest of the world uses chip-and-pin, but happy to use a normal one at home in USA where staff in restaurants often wander off with your card 🤦♂🤣
I understand you have to generalize when you make certain statements but maybe once in a blue moon you could throw in the caveat for those people that don't nicely fall into the average. "Do a will. It only takes 10 minutes" or my favorite, "Get term life. It's really affordable." I would like to think there are more than a few people who are following the Ramsey principles but are now at retirement age and their previous term-life policy has reached the end of its term. Getting another policy at that age is NOT affordable. Just wanted to throw that out there... (And yes, it's through Zander.)
I see my primary care physician every July. Everything was fine last year, and yesterday my cholesterol was 300. Now I am dieting and exercising and my recheck is in 3 months. Ugh. Get your lab work done every year, people!
No Santa, no tooth fairy, no Easter bunny here. And no, we are not sad and heartless hahahhahahah….. just don’t like the lie that is involved with these things. No shame on people that do it! Lol
I wasn’t able to do Santa with my kids because they were convinced he was real because they saw him in a parking lot, but they were sure Jesus wasn’t real because they hadn’t seen him. I was primed to do the Santa thing, but Holy Spirit said not to do it with these kids.
That makes no sense. If my house was paid off I'd still be able to send my kids to public school, have my trash and recycling picked up, roads plowed, use public parks, etc.
Rachel, Your new hair cut looks GREAT! Very healthy, shinny, and becoming !!
Smart money half an hour
😂
😂😂😂
I know, I wonder why they call it "Happy Hour"?
@katyedwards3935 Happy Hour is associated with cheap drinks which they feature
@@jordanbowler5047 I know, it was a joke.
Hair looking great Rachel. I love the change! It looks so fresh!
George! My wife and I are going on the cruise next year, never considered international fees. You guys might be saving us some unwanted surprises
They talked about phone bills, just be careful and make sure your phone carrier allows services on the cruise. I went on an Ensenada, Mexico cruise and while my carrier allowed free calling, texting, and data in Mexico, I was charged $40 for two minutes of calling because we were "at sea".
Dang Rachel your oldest is still young. I figured it out early 6th grade. My daughter is 10 & in 5th and we are still holding on to the belief in Santa!! I believe in cherishing and preserving all these sweet things that keep our kids as innocent and wholesome as possible.
This is why I have hope for these two. She mentioned the arbitrage of a high yield against the tax refund. Now if we can just get them to recognize how important the 401k match is we will be on the right track.
Loved Rachel's honesty about reconsidering their annual investing. That's REAL! (And girl, that tan is poppin'! 😎)
Agave nectar comes from the agave plants. The sap gets pressed out from the core. Tequila is also made from agaves.
My wife and I decided to not do Santa with our kids going forward, our oldest knows, and we have a 3 year old and one due in September. Not everyone agrees but we just feel like it will be better to not focus on Santa and focus on the religious aspect.
Oh my gosh, yes! Newlywed here; once we got better paying jobs, paid off our debt& saved up our 6mnth emergancy funds; i watched all the avalible ransey affiliated free videos, read all yalls books, signed up for all the free newsletters& then had an adulting day with the hunby. We set up wills for both of us, our roth iras, our HYSA,& downloaded the every dollar app; making a mnthly& yrly budget. I felt SO much better knowing we were now working towards sucess& had taken care of all the paperwork, i then sold all the renaining luxery items i had on the Real real,& then decluttered the house & donated all our unwanted & un usedwedding gifts !
George and Rachel, thanks for keeping it real❤. Love you guys.
Mia’s da da was the best part of the episode ❤
omg yes
Your baby is so sweet George ❤
Rachel! I love your hair! You look great this episode! George the open jacket is nice too ☺️
I went to the dentist regularly when I was younger. When I was in my 30's, the dentist tried to talk me into doing more dental work even after microplaning, a dental implant, root canals, veneers, etc...he said it was necessary if I wanted to "keep my teeth from falling out by the time I was 50". I never went back and have only been to a dentist a few times for a cleaning. I'm 63 and still have ALL my teeth.
Never go to a dentist with a ton of student loan debt
If you don't have any major dental deformities, then all you really need is to floss and brush twice a day. Boom! One dentist visit a year
Agave is the plant fermented to make tequila, which is why it pairs well
Love the outfit Rachel! 🤩
Reminds me of the 70’s!! I loved those clothes!
13:09 the look on their faces talking about George's child is 😍🥰
Way to go George, that's wonderful. She's a doll.
YESSSSSS George thanks for singing “Closing time!!!!”
Rachel's hair! So cute, Rachel!
George Mia is adorable and the video of her calling you DaDA is too cute for words. It warms my heart. Rachel I agree that learning Santa Claus wasn't real too away my Christmas magic. Being an Adult isn't as fun as I thought it was going to be.
Just an observation...telling your kid Santa gives gifts is lying to your kids.
19:23 I remember as a young childm there used to be a payphone at a gas station and I cried when they took it out/away. It felt so sad.
15:10 I also never heard of a tax refund until I was an adult and all my friends were excited about tax season. My mom is very particular about fine print and always made sure she never owed any taxes or received a big refund and I have always been the same. Once I was 20 I started noticing my friends excited for their tax checks that I wasn't getting which made me sad until the Ramsey show taught me that my friends are just loaning their money to the gov interest free.
I love your show, keep it up! ❤😊
Love you guys ❤ I work at home and I used to watch Turkish series all I do now is watch your videos 😂❤❤
Ok I’m in love with this show. Keep it up 👍. It’s fun to watch.
When my dental appointments were in the morning, I had all sorts of expensive problems that needed to be fixed. When I switched to the last appointment of the day, all of a sudden my teeth are great! 😅😅😅
Wait, how’s that related ?
@@katieryb2919 they were so ready to leave for the day that they stopped looking for random things to fix to get a few extra bucks
Same dentist? That's crazy. Gonna switch my appointment time 😂
@@kerryfitting6070 same dentist. 🤣
They also get you in and out VERY quickly at the end of the day!
Adulthood IS the best thing ever! More freedom to choose, then pay or benefit from your choices.
As a 40 years old man I will say that being an adult is great. Also I have a job well paid and love my job. So I enjoy a lot more going to work than going to school.
I also told my sister when she was a child (she is 17 years younger) that being an adult is great and now she can confirm that she agrees with me.
Thanks for the travel debit card hack! & this year when I hear Jingle Bells, I will think of the Kamel family singing Santa Claus, Santa Claus, Santa Santa Claus 🎅
On that topic on home maintenance cost, here in the greater Seattle area, pest control cost about $80-$100 a month, lawn mowing also about the same. I could definitely see avg cost over $6k now a year.
Always entertaining show! I hate life admin, especially dealing with large companies 😬
My high school had a pay phone in it so after a school dance when I was ready to go home I’d have to have a quarter to call home lol. I do have to say that it is awfully fun to be an adult and pick all the furniture and pretty things for our home and to pick the foods and meals we get to eat. But ya, the house cleaning and laundry side of it got old real fast 😂
Even as a kid I helped with laundry and cleaning.
I did too but it’s definitely a different feeling when you just help with a few aspects of it as opposed to being in charge of it all. And I have three small kids who aren’t of age to really help yet 😅
You didn’t call collect to let your parents know that you were done. They always denied the call and came for us.
Nope I wasn’t that smart apparently 😂😂
@@leilacavender4066 depends on the age. Five and up can help.
Yes, agave is from the agave plant and is jealthier than table sugar. It also has a lower glycemic index that would be helpful for diabetics.
I bought my own car, paid for my own gas,insurance,repairs. Everything. That's how I will do it with my son.
"You know where money comes from? Work. Not the freaking Easter bunny. This is socialism"
That impression 🤣🤣 George fired in 3...2...
OMG that was hilarious!~
Luckily Dave loves his snark!
No chance Dave watches this show. Lol
It's funny because its true
Booked on the cruise, can’t wait 🎉❣️
Jealous! Have fun 🎉
Finally I have been waiting to see the new episode with Rachel's summer hair :)
Right. I love her hair
In George’s defense, I think I was part of that CD club or I might’ve gotten a CD from the back of a cereal box 😊
I think I was too. Oh wasn’t it BMG music club!!
Mia ! We want to hear more from precious Mia !
Really enjoying the conversation and personal stories and tid bits ☺️
Rachel, your hair looks so good on you! 🔥
I loved the longer episode. Will you make it a full hour for us?? 🤌♥️
I will never be under insured again. A few years ago I was in a wreck that totaled my crappy little mini van. After that I was without my own vehicle for TWO years. I had to depend on so many other people. I cancelled my auto insurance because I didn’t have a vehicle. Well fast forward to last year and I got insurance and a vehicle. Now I pay almost $300 a month for auto insurance because I didn’t have insurance for two years. The insurance industry punishes people for NOT buying their products when you eventually need it.
A Muslim fan here 😊 keep up the great work, Rachel and George! - I hope you can recommend non-alcoholic cocktails too! 🍹 😊
They do! As a pregnant lady I also appreciate it :)
Much better show. The last few months haven’t been so enjoyable. TY
I gave my daughter a beeper. Then she found a phone and called me back. That was before cell phones.
Property tax is the biggest and most widely excepted scame I can think of. some of the houses we looked at had a higher monthly property tax than our rent! just regular old 3-4 bed 2 bath houses in NJ, and we lived in a comparable rent stabilized appartment.
*accepted
I love the isn’t it a shame perspective!
“I believe in a thing called love! I believe in a lot of things!” -George Kamel
Oh no. My kids walked in when you said Santa clause is not real 😭
Don’t even get me started on property taxes 😂
Not to mention the fact that we have to pay sales tax on a USED car purchase. Why?! The car has already been taxed. Maybe even multiple times. It’s a huge scam.
My first CD was Britney Spears too!
I remember using a dial up phone to call all my friends and family. I also used a pay phone.
Rachel, you need to have your well woman exam every year. 😮
I FOUND the place, actual building, that sent out that 99cent Record Club! Its in Pennsylvania.
9:45 we'd have ou lr daughter pick out wrapping paper she liked and put it under the tree for Santa's helpers to get before Christmas. Then we'd hide it away and use it to wrap her presents from Santa. We even had to switch up the handwriting for those gifts cause she'd analyze that against ours 😂. She is the daughter of 2 business analysts so I wouldn't expect any less.
25:52 - Same here; no physical in years because the doctor doesn't do anything. 🤷🏻♂️
Sweet Baby Mia saying Dada was the best 🩷
Nice hair cut, Rachel
George, your video is out today on TH-cam with the STATS you said about how extra money slips outta your hands and that tax refund is used for debt and savings. Pick a side.
George, so glad your beautiful hair is growing back. You're already cool George, a hood haircut does not make anyone "cool". I love your hair, love you being you, handsome in your elegant hairstyle. Thank you for your style George.
What is wrong with you
If you put $50k in a HYSA, you will make enough interest to pay property tax. At least for many states/homes. Do that after you pay off your home then you now can technically live for free ignoring food.
Invest why let your money just sit there doing minimal work?
@@electrodynamicorb6548 Because the HYSA deposits in my account monthly and I can move money in an out easily. I have retirement accounts I never touch and they do most of the heavy lifting.
@@electrodynamicorb6548 and it is 4.25% so it is pretty solid. My retirement portfolios exceed 10% annually.
I hate driving/buying gas 😂 Being an adult is all about trying to find cheap hacks and not spending your money while trying not to become the old grumpy and bitter neighbor from living off your crappy retirement fund
Best part of the video when they explain what is a agave😂😂😂😂 I watched it 5 times
My parents never did Santa with us and we don't do Santa with our kids. We firmly believe that it's lying. When other kids talk to my kids about it we become the jerks if we don't lie. So we say "I don't believe in Santa". It's the perfect none lying answer.
Mannnn I've been feeling like this for the last 5 xmasses I should do the same.
It's not that deep.
I agree. My parents did santa, but if I ever have kids I don't want to do santa or any of the others because it legitimately is lying to your kids. There's this stupid social pressure to keep up this long term lie to all kids under at least 10 and then you have to turn around and confess to them that santa isn't actually real and it's disappointing to those that want to believe. Thankfully I wasn't that caught up in it and I think I knew before my parents told me so it wasn't devastating to me, but I could see that being an issue for some kids and I don't want to do that to my future kids.
@@NathanCrouse611 Lmao wow. You must be fun at parties.
I believed in Santa. It was fun.
“I’m the modern day Job” 😂 Ooookayyyy, George, back it up a bit.
Young healthy people still get cancer. I work in a cancer center and we see young healthy people all the time. Get your physical Rachel!
Everyone is thinking it. What the heck happened to Rachel’s hair!?! 😮😱
Just because you don't go to the dentist, does not make it a scam. Life insurance isn't a scam just because you haven't made a claim.
Okay Rachel, I hope I can speak for everyone and say I want to see a video of your kids eating their Cheerios before school and you're chowing down on Chunky Monkey ice cream! It will be hilarious!
George can you go more detail about the vacation account?
took your advice and called Zander for life insurance, they were $83/month more than the one I have now??????
I filled out the quick form and as soon as I pressed send I had 2 reps calls me within 15 min. I blocked the number 😂
Tequila comes from agave so it tastes good together 🙂
Bruh that cruise is 4K
I THOUGHT EVERYONE GOT A TAX REFUND AS AN ADULT😭😭😭 at age 19 became self employed as my first real job along side my husband and guess what… we learned very quickly the tax lady wasn’t* scamming us😂
31:31 Rachel doesn't know the title of her own book 😬. "I'm Glad For Where I Am" yikes. They even put that in the description. The book is titled "I'm Glad For What I Have"
Here’s my 2 cents and I’ll be ducking from the tomatoes….
We have nine kids and never did the Easter Bunny, Tooth Fairy, or Santa Claus. Most of our children are adults with wonderfully creative minds and are very artistic in things they do. They never once have told us they wish we would have done those things. Three of them have children and they don’t plan to do those things with their children. Our take is that they can’t see those things and they can’t see Jesus so what happens in their minds when you swore all those years that those things were all very real and at some point they are all fake except Jesus? We have still made the holidays magical and special and have no regrets.
So they don't believe in anything bigger than themselves? They have no belief in anything they can't see/touch/taste? They have no faith?
Your children also wouldn't ask for something they had no experience with...so if they didn't experience Santa, or the fun of it, then they wouldn't know to ask it.
I have found people who do the whole "can't see it...not real" thing tend to be cynical when it comes to many things in life (if not life overall).
Loved this episode your a kid one day and adult another. Would love to go on a cruise, but working to pay off the few loans I have to hopefully graduate debt free in December first can’t wait to do that debt free scream
The tax refund section I'm confused on. We make about $60,000 how does one not loan out money to the gov.?
Work with your tax professional to adjust your withholding.
George worrying about using a debit card abroad when most of the rest of the world uses chip-and-pin, but happy to use a normal one at home in USA where staff in restaurants often wander off with your card 🤦♂🤣
15:24 Excited about getting money that already belonged to them? And thinking it’s a gift?
I'm with Rachel on the dentist, I think you can space out dentist visits to once every 5-10 years
I understand you have to generalize when you make certain statements but maybe once in a blue moon you could throw in the caveat for those people that don't nicely fall into the average. "Do a will. It only takes 10 minutes" or my favorite, "Get term life. It's really affordable." I would like to think there are more than a few people who are following the Ramsey principles but are now at retirement age and their previous term-life policy has reached the end of its term. Getting another policy at that age is NOT affordable. Just wanted to throw that out there... (And yes, it's through Zander.)
I see my primary care physician every July. Everything was fine last year, and yesterday my cholesterol was 300. Now I am dieting and exercising and my recheck is in 3 months. Ugh. Get your lab work done every year, people!
The doctors just want to immediately put people on medicine because they make money. They won't recommend diet changes or exercise
Staying up late just to punish yourself 😂
Those check ups are unnecessary if you are well.
Didn't have a favorite. On a no spend month
Nice Killshot Nikes GK!
❤❤❤
Great episode
No Santa, no tooth fairy, no Easter bunny here. And no, we are not sad and heartless hahahhahahah….. just don’t like the lie that is involved with these things. No shame on people that do it! Lol
Columbia House 😂
Santa, the Easter Bunny, and the tooth fairy may not be real but Jesus is.
Get your teeth cleaned Rachel. I Just went after 4 years and now I'm looking at 3 cavities and probably getting 2 wisdom teeth out.
I wasn’t able to do Santa with my kids because they were convinced he was real because they saw him in a parking lot, but they were sure Jesus wasn’t real because they hadn’t seen him. I was primed to do the Santa thing, but Holy Spirit said not to do it with these kids.
George, I can’t believe that a couple of old ladies would be technically smart enough to steal someone’s identity.
Paid off houses should not have to pay property tax
That makes no sense. If my house was paid off I'd still be able to send my kids to public school, have my trash and recycling picked up, roads plowed, use public parks, etc.
What is magical is the birth of Christ. Santa has become a distraction. No to Santa.
that was funny!