Overhyped vs. Underhyped: Critiquing Today’s Money and Pop Culture Trends
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- Опубликовано: 25 июн 2024
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In this episode:
• Is Taylor Swift really worth her weight in gold?
• George throws some shade on the TikTokers
• Why paying with cash (and resisting an impulse buy) is always cool
Resources:
• Pre-order George’s new book, Breaking Free From Broke, today. store.ramseysolutions.com/mon...
• Booking a flight with Going is the best and simplest way to pay less and travel more. Sign up for free today at going.com/smartmoney.
• Do you have a Guilty as Charged question for Rachel and George? Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it.
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This Week’s Happy Hour Special: Smoked Campfire Mule
Ingredients:
• 1 1/2 ounces bourbon
• 1/2 ounce of lemon juice
• 1/4 ounce of maple syrup
• 4 ounces of ginger beer
• 1 toasted marshmallow (for garnish)
• Wood chips (for smoking)
Instructions: Before mixing the cocktail, smoke the glass. (Pro tip: The smoke will stick better to a chilled glass.) Light the ingredient that you’re smoking (we used a few wood chips) with a match. Turn your chilled glass upside down over the smoke and allow it to fill the interior of the glass. Leave your glass upside down over the smoke and start making your cocktail.
Add the bourbon, lemon juice, maple syrup and ice into a shaker, then shake until chilled. Strain the liquid into the smoked glass and top with ginger beer. Garnish with a toasted marshmallow (use a kitchen food torch to toast it) and cheers to 2024!
Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love.
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This is my favorite Ramsey personality show
Yes!
They are the only two that have even slightly disagreed with Dave. I like that, we all need someone to keep us in check.
I’ve had an infrared sauna in my house for a year now and I use it daily. Despite having autoimmune issues, I haven’t gotten sick in 17 months now. I swear it’s my sauna.
The Mona Lisa was one of the few art pieces Leonardo de Vinci actually finished. The man had to have had ADHD the way he started projects and never finished them.
In 2022, we had a huge party for my grandmother's 90th birthday. She sent me a sweet thank you card afterward. She passed away in October 2023. Three days before she passed, I got her signature from that thank you card tattooed on my forearm. I showed her after I got it, and she said, "You crazy thing!" I'm so thankful I've kept her cards and notes she wrote me the last few years.
100% agree with the craziness of the Stanley cups. I got my daughter and I the same size/style of cup as a Stanley but only spent $16 on it at Homegoods. It does all the things a Stanley does but for a forth of the price. And we use them everyday, not displaying them on a wall.
Swift is so overrated. I do not care.
"Like I go down aisle by aisle to see if there's anything new I missed last time."
Lol, yes.. I SO resonated with that George!! We love Costco! ✊🏼
Going to a restaurant in general is overhyped. We (personally, not the general we) place incredible importance on the event to do so, but almost always leave at least a little disappointed, because what is an incredibly important day for us is just another day at a ‘meh!’ job for the servers and cooks at even some of the more expensive restaurants in our area. But having a meal at home made with the intention of a special occasion just feels special. I just want to be the person in the kitchen as the restaurant opens and remind everyone that this is a birthday, this is a first date, this is a special post chemo dinner, this is…[put in reason people are going out here]… they are choosing us to make the moment for them.
Please send thank you notes for wedding gifts. I have spent so much money on wedding gifts and have no idea if the couples even got the gifts because I never heard back from them.
Absolutely!!!
I am ok with thank you texts - just any confirmation the gift arrived
Agreed
My Honda civic is 2017 and since I take good care of it, all I've had to do to it was change the starter. I love my Honda! 😊
Rachel is off on the card opinion. As a coach of 35 years of players from middle school to college about the only thing i keep is the Thank You notes they send or hand me. Saying thanks while walking out the door is is forgotten and requires no effort. Writing and sending something shows it meant something more than a passing comment.
Yes, RACHEL!!! Cold plunge, sauna, red light......all the things. It is absolutely underhyped.
I agree with Rachel. Thank you cards just don’t hit the same. I was once criticized for this by many family members after I didn’t send thank you cards after my baby shower. I was intending to at the time, but I had to be induced two weeks after the baby shower because of a medical emergency. I didn’t even get a chance to properly organize and get through everything before baby came. It all felt like a whirlwind and in the midst of it, I had many family members calling me ungrateful for not thanking them properly. Attendance at my family gatherings have never been the same since.
Oh wow. I threw a baby shower and as people walked in, I had them fill out an envelope with their address so when my friend sent them, they were already addressed. I actually filled out the cards and had her sign them and sent them. I did game and randomly selected an envelope and that person won a prize. I can't believe nobody helped you with those!!
Yea i think thank you cards are a waste of time and money. Everyone throws them in the trash anyways let’s be honest.
I used to do them way back but stopped. It’s just more money when I can say thank you in person. Plus I just stopped giving a damn what others think. If they choose to not attend things because of a simple lack of having a piece of paper saying the same thing they were already told then it’s on them.
@@PinkieJoJofacts.
The nerve of people to be like, "Yes, I know you thanked me verbally, but unless it's written down for me to throw away, it doesn't count."
George, they sell magnet door stoppers. A small magnet gets screwed on to the corner of the door and it then sticks to the stopper on the wall. Way easier than taking the hinges off!😜
George is so funny! He really makes this show a hoot! And, hand written thank you notes are a MUST. It doesn't matter how you personally feel about it - it's about showing appreciation and gratitude to the person who took the time and spent the money to give you something or do something for you. It takes 90 seconds to write one. It's a lost art in our ungrateful, entitled society, sadly.
But why can't you verbally thank someone to show appreciation? A phone call or an in-person thank you accompanied by a hug feels more natural for me.
What I do is take a photo of the gift being put to use, or send a quick text to say "I'm using what you got me, thank you!" or whatever else. For me, TY notes take a much longer time to write because I want to say a lot more than just a few sentences... so, everything is a novel for me. So, that is the only reason I don't write them but I do give verbal thanks and visual thanks very often!
Meh, we live in a time of texting now. Ridiculous to send a note that you don’t even get to see what their reaction is. Times change🤷🏻♀️
@@je11omo maybe you should take the time to write them a novel, then. They spent potentially hundreds on a gift and you're looking for ways to make the thank you as quick as possible. weird
@@voskresenie- Hey! Thanks for your suggestion! Let me mention that I am also a full-time working momma to two young children and I have a husband as well. I am on my feet the moment I get home from work investing time into my marriage and raising my children while working hard to pay off debt so that I can be a full-time stay at home momma when that debt is paid off and we are financially free. Once that happens, and IF I have the time, I will take the time to write my novel thank-you's to all those who gave me gifts out of the kindness of their hearts but didn't give the gifts because they expected a written thank-you card in return. Because if you think about it, it isn't a gift if you expect something in return. But again, thank you for taking time to suggest how I should thank someone.
Thank you SHOULD be sent if you haven’t authentically thanked someone for something personally. Feel free to skip it but when people skip that I figure what I did didn’t really matter.
Handwritten notes are SO underrated. If someone sends me a Christmas card from Shutterfly with a picture of their kids with a typed message it goes directly in the trash… if someone gives me a handwritten note / card etc I hang it up/display it and cherish… the person put time and effort into writing me a note with a message meant for me!
You throw away pictures of your friend's and family member's kids? What sort of person does that? I display those through Christmas and then save them with all our other printed pictures.
Doesn’t it cheapen it that they made a stack of them?
Love my 2016 Audi Q5 with only 54k miles….bought it last fall!!! I always buy min. 4 years old….thanks, Dad!
Rachel looks so good with her hair up! She should do it more often.
Totally agree on the used car point. When we needed a new vehicle this past year, after some research on available vehicles within a reasonable drive from us, we purchased (with cash!) a 2006 Kia Sedona van with only 82,000 miles on it. Great mechanical function, has a few very minor cosmetic issues, but overall an incredible deal. We discovered while researching different vehicles that family vans seem to have a poor reputation due to social pressures pushing for SUVs (at least in our area in the mid-west). There were quite a few vans that didn't have outrageous mileage on them that mechanics and dealerships cut the prices down on just because buyers have been trending toward SUVs, not because they were clunkers. And let me say, after once owning an SUV - I love my van way more than any SUV. It may not be as "attractive" to drive but we get decent gas mileage and there is plenty of room for the kids/pets/Costco or Sam's groceries, etc. Function over fashion wins.
Thank you notes UNDERhyped. If not a physical card, then definitely a text or a phone call. Gratitude goes a long way. Lack of gratitude equals a bag full of coal. 😂😂😂
Nobody care about Taylor Swifts net worth other than Taylor and kelce
I have to disagree on thank you cards. If someone takes the time to pick out a gift for you the least you could do is write a thank you note; even an email is better than nothing. Taking time for someone in a busy world counts; they took time for you. Thank you 😊
I agree!!
For wedding gifts in particular, it lets me know it arrived. The silence can be nerve wracking, and asking feels awkward.
Nowadays with Amazon and online shopping gift lists, it literally takes 30 seconds or less to buy a gift. Too bad you can’t count a phone call or text.
A car on a car lot with 1,000 miles on it is used. Definitely underhyped.
The stanley cups got hyped because a girl's car caught on fire and the next day when she was going through the damage, her cup was not destroyed and still had ice in it. It blew up on tiktok.
The Stanley cups got hyped because 3 youtubers approached Stanley to hype them on their channels. They made a fortune creating this craze.
I think that if people go over and above a thank you note is appropriate, but a note doesn’t need to be a card. It can be a call or a text. I just think the sentiment is important.
18:54, did not know there was another Standley cu. I’m happy to learn. I’m a huge Hockey fan!
You guys are so real and very informative. It truly is like having you in our home. Thanks for all you do in all the arenas. 71 years young and thoroughly enjoy you guys! Hope you and all of the Ramsey team enjoy a healthy, joyful and good 20214! 🍹🍸❤
Cargo pants are so practical, just not fashionable. Gotta know when to wear them and when not to. Love them for work wear, like construction type work.
I don't care what people think about me so I've been wearing cargo pants for 20+ years. You can never have enough pockets and yes converting to shorts is great!
@@thedopplereffect00 I laughed when they mentioned they were coming back. I've always been practical with my choices and as long as you're not filling your pockets full of rocks, the cargo shorts are beneficial. The problem is when you overload them.
My husband has carried a Stanley thermos of coffee to work nearly every day for 30 years. I remember my dad carried one also. I never bought a Stanley cup because my other cups also keep ice well and I already owned them before Stanley cups became a thing. All 3 of my daughters bought Stanley cups.
I'm sorry, but Taylor Swift becoming a billion being underhype is stupid. Why do we need to care about a celebrities wealth status?
Lol wont let that circular saw go😂
Swig > Stanley! One reason- it fits in my dishwasher. 😂
This episode was golden. Thank you for the chuckles!!
I just found y'all in the last week or so, and I'm so glad I did! You're informative and entertaining and I often find myself laughing out loud. Keep up the great work. Happy New Year!
Happy New Year to you both, your crew, and all your families! Smart Money Happy Hour is a wonderful production!
Sharon Ramsey is my spirit animal, even more so after this episode! My kids always had to write thank you notes!!! Leftovers and thank you notes!!! Sharon rocks!!!
I agree about thank you notes! Saying “wow thanks so much!” after receiving a gift is enough. Gratitude received! Please don’t give yourself extra chores- the gift was given freely without expectation!
Oh and fantasy football- it's fun. We meet up for the draft every year, we meet up for winnings, it keeps friends that have moved away closer. We literally had a friend visit from Hong Kong to collect his trophy. Without it, we might not have seen him for another 5-10 years.
George, using a hammer is NOT how to increase the door tension 😂
I have a Yeti cup, not the largest. But I got it because with the arthritis in my hands I was having trouble picking up a cup without a handle. And I also like the fact that it doesn't sweat.
Never listen to financial advisors while they're drinking. Duh!!!
I love a handwritten note! I keep them in a box and look back at them sometimes.
Don't beat your hinges, George! You can't reverse that!
There's a Costco pet hoodie?!? 😮 I gotta get one. BRB 🎉 🏃🏻♀️
I have never written a thank you note neither do I expect them. I think it’s a waste, cards go straight to the garbage. I bought the gift, I gave it to you and that’s the extent of how much I care 🤷🏻♀️
Winston needs his own show.
You guys make me laugh!! Thanks for helping my day have some laughter!! 😀
Grateful for your work. It seems not easy to show up so positively and fun when things around the world may be scary… but you two take it in stride. We are so blessed to have you help us start these conversations so gingerly. Keep up the great work!
PS- Costco = A-Maze-big!
I like the longer episode length!
Lov George's nod to We're The Millers! Lol!!
Great shoe, as always! Very funny. The week between Christmas and New Year has always been special to me. It’s my Birthday week. ( tomorrow) So tomorrow we’re going out to celebrate again. Happy New Year! 2024s going to be an Epic Year!
Sorry, it’s suppose to say SHOW, not shoe! Maybe it was a croc on my part, LoL!
Thank you notes are a must. Take the time to shop for you. Send a thank you note.
Wait, I never knew cargo pants were out of style. lol. I thought it was for outdoorsy/ hiking.
I'm so glad I found out about this podcast. It's a really good time. ❤
George, you can buy a magnetic door stop that you can install that will stop the door and hold it to the wall. Costs about 5-6 dollars.
Rachel that is a great idea! Honestly I would love to clue into various household and auto fixes even as a female - my hubs ain’t handy hahahaa!!! And great title for a potential channel too! Tell your hubs to think about it but I think it would be such a hit! Happy new years yallz!!!
I have always bought new cars and kept them 15-17 years. I had an accident a year ago that totalled my 15 year old car. I bought my 1st used car and am very happy with it.
I agree, hand written notes are so unnecessary in my opinion. Id say thank you at the time of gift individually
I love the Stanley cup. I got it for Christmas and as a mom on the go it keeps me hydrated. Even if it’s a overhyped it has helped me lol 😂
Same!!! LOVE! I got one for Christmas too. I won’t be buying more because one is enough, but the one is awesome!
Love my crocs especially after wearing heels 👠 Crocs truly help my feet recover from shoes I know I should leave behind but love too much to let go. On a side note, I’ve had these non-aesthetic crocs for over 15 years and they still are in perfect shape :) I’m in it for the long-term baby 🐊
The croc and cargo peeps are gonna come for y’all 🤣
I think it's funny that Rachel is giving George grief about Costco but she talks about Amazon and Target in the same way.
I noticed this too. I think her annoyance is really with the cultural trend of 'costco is the best thing ever' and she channels her annoyance at George for being part of it.
I like how Rachel laughs!
Renaissance man is a fun idea! The Art of Manliness my go-to for similar DIY and a gentleman's common sense guide
13:24 I've been doing daily 5 minute cold baths for a month. I LOVE it! I have exactly $0 into it.(minus the cost of 80 gallons of tap water)
Crocs are undergyped, they are the most comfortable shoe to walk around in for my 12+ hour shift in the hospital. Also great for gardening, if they get wet they dry pretty quick.
This is my guilty please Ramsey show!
Yes to renaissance man!! But please put on RUclips for those not on social media 🙏
Also Rachel you are spot on with your hypothesis about life post-sports! I was nowhere near Olympic status but after finishing my college career, it was so strange to just not be an athlete any longer. It was a huge part of my identity for so long- can't imagine if i had been in it longer how crushing that would be. Fortunately I realized I have my identity in Christ first and foremost. But your analogy that it's like the feeling post-wedding is so spot on!! And it also fits for actually winning too, after acheiving a goal you really wanted like winning state or something, after you accomplish that it's fun and great but for a relatively short time and then it's like okay what next... And as an adult I'm not telling people my accomplishments from my past when I'm meeting them- that would be weird.
On a different take, I met an Olympian at a job I had (a wood sauna actually lol) so since in that setting you can just talk openly, I was asking him about being an Olympian. I had to basically pry it out of him since he was so modest (that he was an Olympian) but it was really mind blowing that the biggest takeaway from going to Rio was how incredibly poor the slums are there and how sad that was, seeing the vast differences in wealth so obviously. Literally none of it was about sports at all, just humanity. 🙏❤️
These two are hilarious.
The way you feel about cargo pants is the same way I feel about skinny jeans on men 😬.
haha i never left the cargo shorts/pants era
I love this! 👌
I disagree with taylor, that's overhyped. Fantasy football is overhyped by not for their reasons. It's because everyone does it. It's really fun. I don't mind crocs. I go off brand. 😂
Buuuuut have you seen the women’s wedge crocs that are cute and super comfy and you would never know are crocs?!?!!
I'm on George's team with Costco!!!! I will wait for them to sell certain brand items there!!!
I have to say, a used 2021 Honda Accord sells for the same price as when I got mine brand new. I'm sure that's unusual, but it hasn't lost anywhere close to 35%+ of its value. It hasn't lost ANY of its value.🤷🏼♀️ I paid for mine with cash and under all the RS parameters.
This is especially true over the past 3-ish years. Historically, less common
That and Hondas don't depreciate as fast as some other brands.
I saw the Mona Lisa in Louvre, stood in the long line, took a selfie. It was exciting bc it is famous, but I do not know why it is so hyped.
George, is there a reason you haven't used a little door stopper wedge? Just keep the door open unless someone has to use it, so Olive doesn't get locked in. I don't have time to read the other comments so maybe someone suggested this. Just curious. I feel like there is an easier solution. 🤷🏼♀️
We just barely paid off our house and I was hoping I would feel this huge sense of relief or freedom but seriously I feel nothing! 🥴 I’m kind of bummed about it!
Yeah, I felt no differently, either.🤷🏼♀️ It's also not like we now have buckets of money to spend on whatever we want. $750/month isn't all that much (yes, our payment was $1,250, but $500 of that was taxes and insurance, which you still have to pay). We're just dumping it into retirement.
@@bettedavis9261we didnt feel much different either. Ours was 1200, still putting 675 into escrow each month, so 525 left goes into car fund. Saved $33,000 in interest by paying mortgage off early though. That was sweet.
Hopefully you'll feel better as the cashflow increase kicks in! Invest, spend, give!
I think it takes a while when you realize you have more cash flow. And stupid us, we just got a new mortgage. And I HATE IT.
Thank you notes, Rachel, they're underhyped.
Love the podcast! 💕 minor suggestion for 2024: maybe put George on the right chair and Rachel one the left. When Lindsey is shown in the final minutes, Rachel and George will look about the same height. The camera angle seems to magnify Rachel at the forefront and makes George so distant. Even Rachel's chair seems twice as large from that angle.
Cargo pants are a national treasure. In high school during marching band trips people made fun of my cargo pants and funny pack until they needed to store their sunscreen. Who's laughing now? Okay, no one, but still.
Cargo pants and shorts are underhyped for sure.
Showing gratitude is never wrong or wasted. Write a note or an email or at least a text. I send gifts to my grandchildren and never hear anything! It’s very disheartening to me. The younger generations seem entitled and ungrateful.
Can you guys talk more about raising children with proper money habits?
Great Show. I think the show was underhyped!!!
Haven’t listed yet, but We don’t do TY cards anymore OR holiday cards 🤷♀️ Waste of money both times. Those are our 2 overhyped things we skip on
just add some lock tight on the door hinge. Just a drop or so on 1 of the hinges is probably what you need for each door.
Get door stoppers George!!!!!
When I’m tempted to make an impulsive purchase. I tend to think “This is just something I’ll need to declutter “.
26:31 What would you suggest for young adults who live with family? (i.e. parents, grandparents) I love the idea of potlucks and I also feel like a lot of people in my age group do not invite each other over unless they have their own place and that it's not the easiest to navigate when cohabitating with other family members.
I have never got or written a thank you card.
Used cars are worth it if you do the homework. Don’t just get it inspected - look at a Carfax and see how it’s been maintained. I’m amazed at how many people never get their fluids checked or changed. Some people run their cars to the ground, and you could be buying a car like that if you don’t research.
Why do dogs like toilet paper so much lol 😂
Love the idea of a normal person competing 😂
I agree with George on the Stanley. Super overhyped
Rachel, you need an Amazon storefront!
22:42, every 4 years it’s every 2 years. I personally like the Winter Olympics better if swimming and gymnastics moved over then it would be perfect. I get frustrated that there are so many sports on the summer side and they have swimming, track, gymnastics. I wanted to see some climbing and the prime-time show did not really cover it.
George, magnetic door stops will solve your door issues! My robot vaccums used to get stuck in the rooms.
Rachel is so nice. It's refreshing :)