📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Download your free Ramsey Network app today! Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Download your free Ramsey Network app today! Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

🍸 Check out more episodes of Smart Money Happy Hour Tired of giving your dad the same pack of white socks every year for Christmas? In this episode, Rachel and George have the gift inspo you’ve been looking for—plus great ideas for the one on your list who has everything. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour    📱Submit 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.  💵 Start your free budget today. Download the EveryDollar app! Today’s Happy Hour Special: 🍷 Red Sans-Gria Recipe from Drinking for Two: Nutritious Mocktails for the Mom-to-Be Ingredients: 1 1/4 cups pomegranate juice 1 1/4 cups grape juice Splash of tart cherry juice 2 1/2 cups coconut water 1 cup orange juice 1/4 cup lime juice 1 lemon (thinly sliced with peel) 1 lime (thinly sliced with peel) 1 orange (thinly sliced with peel) 1 apple (cored and sliced thinly) Instructions: Slice fruit thinly with the peel on. Add sliced fruit to a large pitcher and muddle. Add the fruit juices and coconut water. Stir well. Place in the fridge and let chill for three to four hours. Serve over ice in highball glasses, including the fruit. Enjoy! Rachel and George’s Gift Guide: Wine and Cocktail Lovers Cocktail shaker that doesn’t freeze your hands  Vintage cocktail book People Who Love to Cook Meat chopper Citrus squeezer Tech and Gadget Lovers Cordless phone charger Extended-length phone charger cable Kids Digital camera Parents/Grandparents Neck fan Foot spa Massage gun DeleteMe Spouse Coffee subscription Flower delivery White Elephant/Dirty Santa Milk frother Wine decanter “Take the Hint” Gifts Apple AirTag Rachel’s favorite self-help book: The Anxious Generation by Jonathan Haidt Ramsey Solutions official store (Black Friday deals) For the One Who Has It All Customized sign/art Cozy Earth products (Use code SMARTMONEY for exclusive discount up to 45% off) Listen to More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights   🧠 The Dr. John Delony Show 💼 The Ken Coleman Show 📈 The EntreLeadership Podcast Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Download your free Ramsey Network app today! Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Watch the full episode for free in the Ramsey Network app. Dr. John Delony & George Kamel answer your questions and discuss: "Investing while paying off debt," "Getting on the same page with our finances" "Wait for the economy to improve before I invest?" "My mother-in-law wants my wife to stay home," "Should I throw everything at my mortgage?" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY 💤 Visit Helix Sleep for special offers! 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! 🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. 🩺 Find the Right Health Coverage During Open Enrollment 🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts. 🎟️ Get Tickets to the Money & Relationships Tour Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Download your free Ramsey Network app today! Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Download your free Ramsey Network app today! Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "My fiance hasn't filed taxes in 20 years..." "I asked my parents if they can forgive my loan," "Should I rent out my house during the NFL Draft?" "My brother co-signed a car with my late father," "I'm worried grandkids will blow their inheritance," Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY 💤 Visit Helix Sleep for special offers! 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. 🩺 Find the Right Health Coverage During Open Enrollment 💵 Start your free budget today. Download the EveryDollar app! 🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts. 🛳️ Live Like No One Else Cruise Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Download your free Ramsey Network app today! Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy