Baby Steps Millionaires Try the “Of Course” Trend

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It’s Smart Money Happy Hour, of course we’re going to take a crack at a fun social media trend and use it to talk about money! This week, Rachel and George put an #OfCourse! twist on things Baby Steps Millionaires do to reach that $1 million milestone and keep building wealth. Shout out to the following creators for their #OFCOURSE takes: @kaycegbrown, @dom.domination, @kellymann, @__QueenSie__ and @emyxbudgetsahm.
Next Steps
• 🎥 Want to do a deeper dive on the Baby Steps? Check out the How to Start Becoming a Millionaire in 2024 episode. ⮕ • How to Start Becoming ...
• 📗Spark conversations with your kids about contentment with Rachel’s kids book, I’m Glad for What I Have. ⮕ store.ramseyso...
• 📱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.
Today’s Happy Hour Special
🍸Roseberry Mule Mocktail
Recipe by: Tasty ⮕ tasty.co/recipe/roseberry-mule-mocktail
Ingredients:
• 1 handful blackberries
• 1 sprig fresh rosemary
• 1 tablespoon agave nectar or honey
• 1 bottler ginger beer, to taste
• 1 ounce lime juice
• Ice
Instructions:
1. In a cocktail shaker or a tall glass, muddle blackberries and rosemary.
2. Add sweetener and ice, shake until well combined. (If you do not have a cocktail shaker, simply pour back and forth between two glasses until combined.)
3. Strain mixture over ice and add ginger beer and a squeeze of lime to taste.
4. Garnish with blackberries and a sprig of rosemary.
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🧠 The Dr. John Delony Show ⮕ ter.li/jy41yb
💰 George Kamel ⮕ ter.li/jxpkwe
💡 The Rachel Cruze Show ⮕ ter.li/zn5yjl
💼 The Ken Coleman Show - Highlights ⮕ ter.li/yhoefe
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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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[@greydaze234]

"Of course we'll buy queen size beds for our kids they can keep until they graduate!" Meanwhile, I was sleeping in a twin bed until I bought my house at 28.

[@alqoshgirl]

That’s honestly normal. Only in America do people somehow think a twinbed is only meant for kids, not for teens or adults. Grew up in the Netherlands and we all slept on twinsize bed until you are using your bed with another person. So for me it was when I got married 🤷🏻‍♀️ I’m in the state now and it’s shocking how many of my kids friends who btw are all under the age of 8 have queen size beds 😂 I told my husband. We ain’t doing that, the kids will survive being on a twinbed

[@VyNguyen-qm5hm]

I think because in the US the houses are way larger than in other countries so it kinda makes sense because they have so much space. Plus if you have out of town guests there's more bed space lol.

[@voskresenie-]

twin bed through college is normal in US. after that, it's not, because most people expect (or at least hope) to be sharing their bed at some point and it's considered weird/childish/advertising-your-celibacy to not.

[@ashleycnossen3157]

Had the WORST twin on a folding frame until I got married at 32

[@napoleon1992]

Same

[@yhckelly]

I recently saw a video where Dave Ramsey said "if you were born on third base that doesn't mean you hit a triple." If you have wildly successful parents, just embrace it. Good for you!

[@Joenzinator]

I grew up upper middle class, and now we are making $500k/year. We know a LOT of wealthy people with shitty spoiled kids, so we are doing everything we can to make sure that doesn't happen to our kids. They are 6 and under now, but we try to teach them good money habits. My wife and I plan on not telling our kids about our financial situation until they are 18+. We just try to give them a normal life, where we tell them "no" 10x more than we tell them "yes" 🤣

[@christineshah7330]

I've known multiple people born to wealth that fell apart and have not much to nothing now. Where you start impacts you, but doesn't determine your results.

[@alqoshgirl]

@@Joenzinator it’s just the work ethic, attitude and gratefulness you instill in your kids. We’re doing well too not like you though 😅 but we don’t spoil our kids either. Spoiling can happen at every financial situation. I know many poor people that spoil their kids too. I think also spending enough time with your kids is key. Both in low income and high income families it seems they choose not to be with their kids much, which contributes to the entitled and immature behavior.

[@annettehennesey9508]

“I’m a Baby Steps Millionaire. Of course my clothing came from 1/2 price day at Salvation Army.” 😁

[@fotochikyo]

Yeeeessss, salvy

[@jerrystauffer2351]

I paid $4 for the shirt I'm wearing at Goodwill

[@thriftymama3786]

I'm from the midwest and I can confirm that Ope I'm gonna squeeze right past you is something that has come out of my mouth

[@cheerfulmouse]

😂 yep same!!

[@LoveLoveLove7122]

George should do an episode where he shares all of his resources to find deals! I thought I was good but I keep learning something new from him. First it was the hotel deals and now it's the coupon website.

[@michaelellenberger3183]

I agree with this

[@spike2nena]

Which was the hotel one?

[@fotochikyo]

​@@spike2nena i also want to know

[@leilacavender4066]

I have not had a credit card for 16 years and have been able to do and go wherever I want!! Also bought our family vehicle with cash, used. And man. It’s the best feeling when you hand over that cashier check and walk out and it’s done. No payments coming to haunt you the next month!! Freedom!!!

[@LittleMopeHead]

My credit score is 822, and I have been using credit cards for a decade, no issues. Always have paid statement balance every month. I just started not using my credit cards this February. Quite different and it does feel I have a firmer grasp on what I spend. I think it will be better.

[@mariad3011]

Wow 16 years that is awesome! How do you keep your debit card safe when making purchases in person and online? Has your debit card ever been comprised?

[@leilacavender4066]

I feel like keeping it safe using it in person isn’t hard anymore with chips and stuff. And online. I just use trusted sites. I’m not a mega shopper so it hasn’t been an issue. And you can walk into your bank and get a same day replacement card if needed.

[@mariad3011]

@@leilacavender4066Gotcha. I've been researching lately and I keep reading to never buy gas with your debit card or shop online with a debit card. I hope Rachel and George do a video on this subject. Thank you for your response! 🙂

[@LittleMopeHead]

@@leilacavender4066 Not only that, but I've heard you get the same protection (per Dave Ramsey) anyways. There are daily limits you can set to protect too.

[@dustinmeeks8030]

Producer Lindsey has the best laugh. I found this show a few months ago and I’ve been catching up on all the episodes. I have to say I love George and Rachel, but Lindsey’s laugh really makes it. It’s contagious!

[@donnahampton3632]

Thank you for following through on your concept for this show! It is absolutely fantastic! I never get bored. And I look forward to it every week. You guys are so much fun to hang around. It's just like we're sitting around having a cocktail together chatting about whatever. I love it!

[@FOMAHsince2014]

My kids went straight to a queen bed. (Identical twins, one bed for both) because it's the bed that was already in their room when they moved out of our room. It saved us from buying a couple beds that they would have grown out of within just a few years. They are 8 now and still sharing. I expect they will for several more years.

[@tduck828]

This really makes sense.

[@fotochikyo]

Same. I always shared a queen bed with my sisters

[@hardtofindagood]

I love this show. We need more than a Thursday airing. You guys are so funny. I think Jade would be a great addition too.

[@elizabethlozano7471]

I wonder if George ever uses those shoes to walk. The bottoms look so clean!😂

[@Christdeliverme]

Wa.. aallk?

[@cskam5858]

Rachel, you are the most likable person!

[@OopThereItIs77777]

I was just explaining this to my husband; I’m good without a dog. I like dogs but I don’t wanna be attacked everytime I walk in my door. I’ll love on yours but I don’t want them wrecking my house & jumping all over All of us

[@fotochikyo]

I thought I was a dog person but now they I have dogs as an adult I am definitely not a dog person

[@_Button_MAsher_]

@@fotochikyo same thing happened to me

[@kourtneywills973]

Am I the only one that noticed the drinks going empty at 2 minutes… then magically refilled at 2:19 😝

[@May-qb3vx]

Slept on a twin until I bought my own queen at 25. Never understood why a toddler needed a queen

[@Joenzinator]

All 3 of my young kids have queen beds. It's so when we have guests everyone has a nice bed, and the kids can just share one.

[@OopThereItIs77777]

lol Rachel’s toddler does have a queeb

[@jill9606]

How often are you replacing beds and frames/headboards? My kids go from crib to queen bed because they can sleep on them through their teenage years.

[@Imbatmn57]

Feel like a twin is big enough, those dinky toddler and crib mattresses are too small. Id probably do a floor bed if i had kids because i feel like it would be difficult to lift a baby over railings.

[@brookebales2931]

I’m like you Rachel, I love dogs but I’m ok not owning any. I like to spoil other folks’ dogs/puppies but then I don’t want the responsibilities ha. Enough as it is. Already have two boys and a hubs. And we do have two fluff butt silkie chickens (sweet hen and a rooster, her protector 🥰) outside in a coop hubs built with all materials already had to save. And because only two, their organic chicken food lasts like 7 months so super cheap overall. And it’s our boys’ chores. But yah, I think many love their dogs but naturally they do come with more stressors and responsibilities period. I know a mom who said they have 3 dogs inside with 3 kids and her and hubs, I mean that’s a circus 🎪 ha. But I’ll pet and love on pups for sure. It’s like being a gma/pa where get to spoil the grand baby then give them back to mom and dad 😆

[@fotochikyo]

Chickens are where it's at

[@veronicagilmore9654]

You guys make me belly laugh every episode 😂

[@claybirdyshaw5737]

My 6 year old has had a queen bed since she came out of the crib. My mom found an incredible deal on a bedroom suit before she was born, but had nowhere to put it so she gave it to us. So my kid's queen bed cost me zero. It will be a huge gift for her tho because she can take it with her when she moves out.

[@xAmaya13x]

I always look forward to this channel posting something new . I listen/watch while I cook 😍

[@merudevi]

As someone who doesn't imbibe, I thank you for throwing mocktails into your HH mix! I've screenshot this recipe bc it's exactly the kind of drink I would love.

[@katiebwheeler]

I'm so excited, I'm months away from my credit score disappearing!!! lol

[@katyedwards3935]

I have a beagle and love visiting with other people's dogs.

[@marebear2027]

Great show!!! 😁 "we just went full QVC mode and i am hooked.....tell me more Sis" 🤣 😂

[@brandonpelfrey9415]

Rachel, George & Crew…..Do NOT get Papa John’s in Franklin, TN. I got food poisoning from there last summer the night before we done our Debt Free Scream 🤮

[@TrueNewb]

My daughter went straight from a crib to a queen bed and friends and family thought I was nuts and made fun of me except my wife. She's about to turn 15 and guess what, she's still in the same bed and will be till she moves out. No wasting money on dumb purchases just because everyone thought that's what you're supposed to do.

[@janelleg597]

Full size would do the same thing

[@cheerfulmouse]

Oh and I have a friend who works at a car rental. Asked her if people can rent with a Debit card. She said yes, they just hold the price & $200 above. She did mention how credit was 'bettet' because it can take up to 2 weeks for the extra to be returned. But still better than playing with snakes!!

[@oliviaalfrey]

How is this not the most popular Ramsey segment? I love it! 🥰

[@katyedwards3935]

I'm an everyday millionaire. Of course I sometimes shop at Goodwill. I'm not there yet, but my dad is, even though he's an EDM, he still shops there for books every now and then cuz I work there😂

[@obliviouspirate]

🤞 Hope the 2 of you are hosting the Ramsey show on 5/10 when my sister and I come to visit 🙏

[@ashleymcdaniel6188]

Love this one! Love them all but this was great and may have to try the drink sounds delicious!

[@make-it-a-great-day]

My toddler has been sleeping in a queen sized bed aince she was 6 months old. It was the bed my husband and I used for years before she came along. I'm a baby step 3 pediatric occupational therapist, of course I'm a frugal and ergonomic queen in all ways! 😅❤

[@gracekugler9389]

Half the kids I babysit these days sleep in a queen bed that their parents used prior to getting married. Or they sleep in the guest bed because they prefer it over their twin bed lol.

[@agataparsons9427]

I'm a veterinarian, and Not a dog person 😅

[@weeklydoseofsports7302]

With you Rachel!! FINALLY found someone that is not so much into dogs...(image attached on my bio reflects my boy desired to own a dog which it won't happen 😂)

[@DevHazy]

Good for Rachel. Having a 100 millionaire dad. Take that and become a billionaire 🎉🎉🎉🎉

[@RobFromRI]

my FICO score is "UNSCORABLE". if that does not describe me perfectly, I do not know what does 😂😂😂

[@Krinbo]

I’m a hip and cool millennial. Of course I’m gonna jump on a trend months after everyone else forgot about it.

[@88thesquatch]

Our 2 year old sleeps on a queen bed. It’s our old bed and works great because it doubles as a guest bed. When we have guests he just comes and sleeps with us.

[@janelleg597]

That's weird but ok

[@jill9606]

@@janelleg597how is that weird in any way?

[@cfasarah7118]

Just wondering why it is a joke to eat gluten free? Someone diagnosed with celiac disease does not have a choice but to eat gluten free. It is not easy to lower the grocery budget when someone in your house has celiac.

[@josephrodriguez5218]

Of course I’m a baby steps millionaire, I bought drawer organizers , 😂

[@rachaelholderman9677]

I'm with Rachel on not searching deals all the time when I have money to pay for it. Need a simple life.

[@fotochikyo]

I love a good deal, but none of the promo codes I find seem to work and it frustrates me so that's why I don't look anymore

[@Heather.Isaiah43.1]

Can you actually make a short of you guys acting these out!!! Also Rachel you are so right in the fact that you had a great starting point, but you made your own choices from there. God knows what we need and I am sure you have your own struggles that you go through outside of money alone. Just as I have mine. God will be with us all through anything He allows in our life.

[@LizWithers]

I’m with Rachel. I like some dogs, but I’m just not a dog person.

[@OopThereItIs77777]

This

[@ktjomeyers]

George, I too love the high I get From getting a deal!

[@karenholloway3940]

George says “IKEA tellurides” 😂😂😂 great episode

[@JPOlmin3000]

Y'all didn't laugh at that promocode joke near the end, but I did. Cheers!

[@bossmanbick]

I like how George made "Prodigal Daughter" a verb.

[@amanda.c.ice.]

I never realized a credit score could disappear! I thought I’d live with mine forever! I learn something new every episode! Love this show!

[@marram2852]

I must be a terrible parent...my kids all had twin beds until they bought their own beds after college! And I'd do it again...🤨😉

[@laneyluneva]

Baha, we just got our kids a queen mattress. Unfortunately, all the fun kid sheets are in twin and full, so it was not a great idea. Would go with a full size if I had a do over

[@fotochikyo]

They don't need fun sheets

[@ashleycnossen3157]

I love dogs from a distance. I'm too sensitive to everything to really enjoy having them around me

[@wendyquintanilla6149]

I bought my stepson a full bed right before covid, he went to college and now my toddler uses it :p

[@GSDRandom.]

My sister and I have shared a full-size bed since I can remember. She's 22 and I'm almost 16.😂

[@jwarnstarsmile]

Turkey dinner - if you're lookin', you're not cookin'!

[@cheerfulmouse]

Bought a dishwasher today & got to talk about how credit cards are predatory lending 😅 And you don't need a credit score when you actually have $ to pay for things 🎉

[@confidentandfitmom2675]

Our kids went from crib to full size because that’s what the bed converted to. Unlike car seats, we’ve only had to buy 1 bed for each kid at least 😂

[@heathersacksteder6426]

Rachel I love your jeans! Can you share where you got them?

[@eandrgoodwin]

When you get a 0% (or really low rate) car loan, it usually means that you gave up a rebate that could be thousands of dollars. Pay cash and take the rebate!

[@ThreePuttBogeys88]

Shout out to the non dog lovers. We do t hate dogs, they just don’t excite us and that’s ok.

[@b.c.2836]

I'm the plant lady :)

[@kferriss4831]

That’s me. Just not really an animal person. Do find the babies cute though.

[@OopThereItIs77777]

yep!

[@janelleg597]

I do

[@ravercat4]

Instead of buying plastic organizers I reuse small boxes I have received.

[@pinedreams1]

I can relate to, I like my kids but not kids. But DOGS?! I’m the biggest dog person ever haha

[@nikkibadzik3948]

Same!

[@b.c.2836]

A full-size mattress goes a long way, and it is easier to move than a queen

[@janelleg597]

Yeeeeeees!

[@jill9606]

I’m 5’7” and grew up with a full and my feet hung off it when I was a teenager! I’d never ever buy a full.

[@jbuzzcuzz9728]

Every day I aspire to have the same level of dad humor that George does.

[@TheCarines1]

My sister has a 2 bedroom apartment. The second room had the queen bed from her old space so it eventually became my niece’s room and she got a queen bed as a 3 year old. I didn’t get my first queen bed until I was 30. Sad I know.

[@CarmenHyde]

Oh I love listening to y’all! So fun! I feel ya on the gf pizza price, George. Sooo pricy!

[@DevHazy]

My husband is sooooo rachel! He doesn’t care about my dogs feelings or like think that they have thoughts 😂😂😂😂 he just thinks they are furniture

[@susanatwell8274]

Gotta laugh Rachel - I bought the Our Place pans and after 3 months - it SUCKS !!!! no non-stick left and my gorgeous red pan turned completely black and it's never been used on a high heat and only hand washing . . . . . . . . . . .

[@MyBrainsOnVacation]

I slept on a twin bed until I got married at 26. The kids will be fine 😂

[@djsone3499]

Seriously. I had a twin bed until I was 21 when I upgraded to a full. The queen bed didn't happen until my wife and I bought a house at 35. Also I'm 6"2".

[@pattiupton1499]

Nice to see George not wearing brown or green!

[@davidmilhouscarter8198]

5:16 I thought about having a kid. But then I remembered I can barely keep-up with cat’s needs.

[@VyNguyen-qm5hm]

I like how they always conveniently leave out that manual underwriting costs thousands more in fees and your interest rate will also be higher than traditional financing. They should be more transparent instead of leaving that part out.

[@poaponies101]

It can be done, but it’s a pain. Plus, there other ways to build credit without have a credit card and it’s probably cheaper then going through the process.

[@Helena-ou8ry]

I have a question, I’m on step 2/6, my car loan interest rate is fixed and lower than my mortgage interest rate (Australian we can’t get fixed mortgages) so which do I pay off first? Part of me goes well even if I just pay normal payments on the car loan it will still be paid off sooner than the mortgage? Thoughts?

[@fotochikyo]

Lower amount of debt is first always, you don't really pay attention to interest rates with Dave ramsey's plan, but I say do what feels best to you

[@davidmilhouscarter8198]

9:36 I’m debt-free except for my mortgage and I’m gazelle intense on it which means I’m not investing the full 15% … yet. Does this mean I’m not following the baby steps?

[@jill9606]

Correct, you are not following the plan as they prescribe.

[@janeaustere]

Right, if you’re debt free, you should start investing 15% while paying off mortgage at the same time.

[@nancycausey9513]

As soon as I saw the title, I was waiting for Charles' queen size bed 😂

[@fotochikyo]

Who's Charles?

[@nancycausey9513]

@fotochikyo Charles is Rachel's young son. George occasionally pokes fun at Rachel for her little boy having a queen size bed.

[@fotochikyo]

@@nancycausey9513 ohhhh ok, thank you

[@michellehochstedler7809]

Cast Iron pans are all I use and would never go back to stainless steal or any other frying pans.

[@lindsaykarashay3648]

We did twin XL beds for our kids for the same reason lol. I mean that's what the dorms have!

[@ajalicea1091]

My son built queen size beds for his children when when they were toddlers.

[@k.biache.6874]

I didn’t realize that I’m already at baby step 6!!

[@staceym145]

Pizza is my spirit animal so OF COURSE I'm going to help you know my fav GF pizzas. I LOVE the gf pizza at Papa Johns. and Papa Murphey's. Both the Papa's are da best. UNO's is probably my favorite if you are near one! And my GF Costco fav's are the Milton Veggie and the Kirkland Supreme. You're welcome, Rachel. *knucks*

[@TR-xb4ih]

rachel cruze a baby step millionaire? 💀😂😭😭

[@angelakyriacou]

Great show xxx

[@steebreeotey]

In a world where our youth deemed anything after age 25 prehistoric 🦕 - I really appreciate you all helping to keep us up with all of these “trends”. 😂

[@Gshen3]

Just curious…what happened to producer Lindsay?

[@purplehearts2103]

I am trying to find an answer too :(

[@TizBaz5]

"A slap in the face is worth two in the bush." -George Kamel

[@lindsaykarashay3648]

That drink sounds amazing

[@user-vc7mv3hk4j]

wait, what? how do you get to youtube without opening up a browser and typing youtube?

[@kferriss4831]

Can you share which pans from Amazon that were mentioned.

[@cherylknight8239]

A budget keeps you informed where you're spending your money 💰

[@lioness2094]

Hilarious banter

[@davidmilhouscarter8198]

5:09 I thought about getting a dog. But then I remembered that the cat does enough damage to the furniture.

[@josephlck]

Our 3 year old has a double bed and she's going to sleep in it until she leaves the house or it breaks 😁

[@JoeLanthier]

We need the unedited raw cuts.... 🤣

[@hockeyhalod]

If you're not going to pay attention to your retirement account, then you shouldn't care about your new car depreciation. If you paid cash for it, enjoy that comfy ride that no one else has made a stink in.

[@user-vb6sq9ml7b]

Love you all! But where did Lindsay go, did she get a promotion to something else?

[@myhappyspace4533]

Totally with Rachael. Dogs don't do much for me

[@Nickjd660]

Did they add a laugh track? I listen every Thursday, and I recall hearing laughing in previous episodes. But in this episode it felt a little more manufactured… anyone?

[@janelleg597]

Their staff sounds like a laugh track sometomes

[@paper_pirate]

Definitely sounds like a laugh track. Not a fan!

[@OopThereItIs77777]

I’ve been using honey for about 8 years now. So gooood!

[@fotochikyo]

I hear they sell your data

[@DevHazy]

My baby slept with my in a queen air mattress for a year 😂then after that a king bed with my dog for 4 years

[@gingergann3934]

Even as an adult, being able to afford paying cash for a new bed, I went with a full size. When I married, we got rid of my husband's queen bed for my full sized bed.

[@VyNguyen-qm5hm]

Why is that you prefer sleeping more cramped? I prefer sleeping in a king as a couple, more space to move, I could not imagine two full grown adults preferring to sleep in a tiny bed, but to each their own.

[@RyanDaRaider]

“They secretly have credit cards” Ramsey will fire you if you have one