Girl Math: Smart Financial Strategy or Huge Money Mistake?

[@autumnjerene]

No one is talking about mom math. Mom math is when there are 7 cookies left, and you have 4 kids, so you eat 3 cookies to avoid your kids complaining about fairness.

[@arod191]

😂😂😂

[@kahrhoshe]

no as a dad you eat ALL THE COOKIES lol

[@maelstrommel]

😂

[@jencoles]

Brilliant!

[@Ozarkmountainoutback1]

😂😂😂yes!

[@haileyreign]

George: I'll buy her a horse *me thinking back to when he told the caller to sell her horse* 😂

[@hannahhowell7849]

Yes! Loved that episode!

[@john-o1g9p]

situational advice

[@erin5115]

It’s a conspiracy!

[@koya5001]

He learned his lessons 😂😂

[@melodiekarge]

My only criticism: why call this "Smart Money Happy Hour" when you cut us off after a HALF hour?! I need at least an hour of this in my morning ❤

[@saint3382]

Valid.

[@LittleMopeHead]

Hah I didn't realize it was that short. But yes, please make it 1 hour! Love this show.

[@siva47931]

That's girl math for you

[@bettedavis9261]

​@@siva47931😂😂😂😂😂

[@californiagurl11497]

I think it’s based on “happy hour”, which is why they have a fun drink every episode. Happy hour is rarely a specific tight hour. Though it would be nice if the show was a full hour though!

[@jordanhoman0212]

George is gonna buy his daughter a horse just so he can tell her "It doesn't even know your name!" 😂

[@makingourmark6987]

Only the real ones will get this. 😂😂

[@AUsprauer]

😂😂😂😂

[@TaylorOwen]

I cackled 😂😂😂

[@jackijohnson3778]

I have a 27 yr old stallion, paid $5k for him as a foal. He did not make me much money but I trail rode him for years, he gave me 26 years of happiness. Thankfully I was able to inexpensively care for him as i grew up on a farm and married to a farmer. He never needed much vet and extra care. Now my 18 yr old daughter loves him, he has baby sat her for the last 10 years and I never had to worry about her. He does not allow anyone near her while out riding unless he knows them. My husband, my father in law, her best friend, he will stick his head in the truck window to say HI. A stranger cannt get 5ft from him and her, he will dance away or bite them if a stranger tries to get close. I love the old man, he protected me back in the day too. Was he worth $5k then 26 years of care? Personally he is, I don't think very many horses are truly as good as him.

[@matthewclina4162]

The Guy Math equivalent is when Home Depot has Ryobi Days, and you justify the purchase of your third or fourth circular saw/drill combo because it’s cheaper than just buying an extra battery.

[@diamante1ification]

But this is true. It just makes more sense. I just keep the tool I wanted and gift the older version to my brother.

[@nicholepatrick7857]

This is my husband's math. Unfortunately it's true

[@maelstrommel]

Maybe I’m strange but, as a single woman with her own home, I TOTALLY understand this one!!! I mean, why would you NOT buy the double pack of batteries? That saves you time when you’re working and, I mean, time is basically money, right??

[@TrueOrigins1618]

@@maelstrommel, they’re buying a second tool not the batteries

[@Drduktape]

I uséd to be a big fan of Ryobi ... Used to get 50-100 recharges to a battery . Lately it's been. 20 plus/minus

[@traceyberesford6246]

i, as a man, recently had a girl math moment. i use the tips that i make at my 2nd job for gas money, so because it’s cash and i didn’t use my card, technically i just filled up my tank for free

[@s.lajoie9961]

My dude, I do this all the time whenever I get cash lol If it doesn't show up in my account statement, it doesn't exist

[@AnaLucia-wy2ii]

I do this with my side gigs that I get cash from. I buy food with it. 😊

[@SageRosemary]

Yes it's definitely free

[@s.t.phoenix]

Not gonna lie, this is easily my favorite of the Ramsey network shows. George and Rachel are like the older siblings I never had but always wanted: cool, fun but of sound mind and give great advice. Love y’all so much keep up the good work! ❤

[@bryan_witha_whyy]

Easily. I feel on most these shows like I’m being talked down to. At least here the delivery is like “hey, we’re cool, but we’ll also kick you in the nards.”

[@Kai77-24]

I almost spit my soup out when George said, "I think I was Rat Girl"...🍜😂😋

[@LeMErin21]

I didn’t know “girl dinner” was a thing, but that’s definitely what I was eating while watching this 😂😂

[@rory644]

Boy math….. can I afford this BIG truck, no but I’ll somehow convince myself I need it 😅

[@angeliamarquis6721]

From the movie The Holiday, the correct line is "you're a leading lady". You should be the leading lady in your own life. LOVE THIS MOVIE !!!

[@LittleMopeHead]

I come to The Ramsey Show for financial entertainment. I come here for social entertainment. These two are so fun to listen to.

[@LittleMopeHead]

@Touch-my-profile-pic-copy-nub8 Nah, I'm good.

[@ingridnorton1]

Hahahahaha. I laughed to death when Rachel went “Oh you’ll see” regarding the Melissa & Doug toys. ;) You guys are so funny. Thank you for your show! Keep up the great work!

[@pagalhokya]

I was listening to this and my 3 year old daughter is sitting next to me. Rachel said George's name, and my daughter goes "Curious George!" It caught me by surprise and it was funny so I thought I'd post it here for you all.

[@jessicatheriault4189]

Half an hour of Rachel and George using "main character energy" as a comliment. I'm dead. 😂

[@katiemorris364]

The guy in the background laughing is the best! This was my favorite episode to date! ❤️

[@jessicamoore2144]

"It's good for people to work, but not in a toxic environment, for toxic people in a toxic place, doing something they hate." George K.

[@joey.kendall]

Lazy girl job isn't about work life balance or even only doing the bare minimum. It's more like jobs that don't require much engagement so that even when "working" you're scrolling insta or whatever social media soup du jour they're into

[@Kate-bi9dh]

Tomboy math: if I buy the tool at the pawn shop, complete the project then sell it back to the pawn shop it was free even if I got back less than I spent on it so long as the money goes back into the bank

[@ginnydavenport3303]

Y’all are cracking me up! Don’t even know what a circular saw is 😂😂😂 she doesn’t know what a abacus is and he doesn’t know what Melissa and Doug toys are 😂😂😂 wow love it.

[@courtneysumner7456]

Girl math logic is eating something from your freezer from months ago and considering it “free” because it was so long ago accounted for. I had free salmon and vegetable pasta last night for dinner 🤙🏼

[@ykook7000]

Yep cos you either had to eat or it would've thrown out...l totally see it

[@denisep1388]

We need a SMHH cocktail/mocktail book with all the ingredients and yall's ratings in it. It'd be a perfect gift for some of my favorite people!

[@cynthiamcd6780]

I was totally spacing on SMHH lol I was thinking Shaking My Head.....h something??? lol

[@aliciafalendysz6231]

Yes a book!!

[@anhta31]

And cost per drink haha

[@margie909]

Great idea!

[@nicb8723]

George: “during Covid, I think I was rat girl” 😂😂😂

[@eandrgoodwin]

Wow, Rachel! Simple grey pocket T? Most “minimalist” I’ve ever seen you! 👍🏼

[@erin5115]

I know! I was thinking it looks so good still! I hope to one day dress nice too lol

[@tugboat2030]

I like how this gets released in the morning. Quite a happy hour!

[@jonathanklassy7275]

You’ve got to sell the horse, George! Lol Sell that horse! 😂😂

[@hockeyhalod]

After so many episodes, are y'all going to release a mixology book on a budget?

[@HoffmanHillary]

This is such a good idea!!!

[@mollyh6347]

So good!

[@coconuthead1178]

Would buy drink glasses if they became available! A good way to spread the financial word with others.

[@sviolet892]

Oh my gosh Rachel talking about the shoe return is speaking to my girl math SOUL 🤣

[@dazzlepoppartysupplies6326]

Yes!!!! This Starbucks and CFA math is literally how I feel every morning!

[@davidmanzoney1534]

‘Markings? What is he, a referee?’ My dude that was QUICK! 👏

[@TheCarines1]

Not George clowning the dress Rachel got for his daughter lol 😂

[@debaterforhim]

I wear my clothes so long they come back into style.. 😂

[@Celtictexan28]

The smocking is a southern thing, George. It’s classic and middle class fancy! 😁

[@GH56789]

"I'll buy her a horse" 😂😂😂😂

[@jessicatheriault4189]

I love how often he casually mentions horses now.

[@CJ2023Incognito]

This is the best show!! Please never stop!

[@maureenmcbride1902]

You two are are such a delight! Love your show😊

[@teresateresa8933]

George is just incredible funny and Rachel is so perfect in these videos.

[@mariannedressler6784]

The Mind Eraser is like truth serum 😂

[@May-qb3vx]

I don’t have any of the restaurants apps. No Starbucks app, no CFA app, no nothing. I don’t need it easier to spend money. If it’s too easy to skip the line of students or nurses at the Starbucks at the university I work at, I’d be there all the time. But if it’s a big inconvenience, I have to think hard about if the Starbucks is worth the inconvenience.

[@jasminevasquez5518]

Love it!!!!!! All all the laughing and the smart talk

[@bellad1063]

George is about to find out about Doug and Melissa! I’ve got the sammmmee Abacus (one of those timeless math toys) lol

[@cherimertens775]

We use an abacus in our resale business... we don't have electricity yet. 😂

[@daniellejanzen2308]

This story starts at around 31:00 in the linked video. She opened the present and loved the sunglasses, but wanted to return them because she felt so badly about how expensive they were. He convinced her to keep them.

[@AnnaPerkins-m1z]

You can dry clean at home in your dryer. I buy the woolite dry cleaning sheets and cut them in half. Works great!

[@lmor7110]

Thank you for the tip! I’ll try that

[@janemuir3546]

BS7 for 2.5 years and still pay cash for almost every in person purchase. Cash vs any plastic/app works for our home. Cash definitely has emotions that plastic doesn't.

[@maryotoole8946]

You are good people with beautiful lives. Thank you for sharing your time, personalities and money sense with us. Great show. Thank you so much!

[@anniealexander9616]

I love that George admits he is going to spoil his daughter. I'm great with Money until my daughter wants something.

[@C-c-c34]

16:45 I need to get to the comfortable place where $30 Amazon dresses are low quality 😂

[@C-c-c34]

Meaning would deteriorate because they’re not qualified

[@bethmcc8153]

Great Episode!

[@dasherofdoors]

Love the horse reference!!!

[@dylanparrish-subda7141]

5’8” and under? Nice, just made the cut. Short King Summer let’s go!

[@Mamacitapurty]

Never heard of Girl Dinner but I do this all the time when my husband is gone.

[@kosette14]

Excellent episode! Maybe I'll go out on my road bike today. Lol. Girl math for me is pay $10 shipping if the purchase is below say $30. 😡 If my purchase is$50, shipping is free so I just saved$10 for shipping and got more of what i"needed"in the first place. Win win! 🎉😂

[@joannaortega4126]

I think George is going for "pretty boy summer"! Love the show! 🥳

[@nicholepatrick7857]

Would love to see an episode on traveling internationally. With currency exchange rates, it can feel like you have all the money in the world but really you have just as much as you started with. Also, on a touchier subject, it's actually better to use a credit card with no foreign exchange fees when traveling abroad as they often give you a better exchange rate than you get while in country. Some really interesting discussions could come from this topic.

[@isabellaross1472]

If gen z named short king energy it would be…. Short bruh vibes 😂😂

[@mofarmmomoney3009]

Kinda feel like this was Rachel's second drink.😀

[@nataliestark8243]

A lot of women don't wear makeup... Perfectly fine, cheaper, and much easier to get going in the morning.

[@robinbatts8498]

Love this show!! I listen while I’m at the gym, and it’s all I can do to not LOL sometimes! Although me grinning trying not to laugh is probably also cringy to others…. Who cares! Love you guys!!

[@ParkDari]

Tool rental has been the greatest thing ever to avoid expensive tools that you might use twice a year. My husband has even rented tools to work on his car.

[@hannahhowell7849]

Rachel, you have to get his baby a Melissa and Doug abacus for Christmas now.

[@ismaelsalinas887]

5.7” 💪🏼 I really like this show you guys are the best 👍🏻

[@AB-sj3tl]

Great show!! You make me laugh and think. Love love love you both. Can’t wait until the next episode!!!😂🎉

[@yvonneh.3618]

Congratulations girl Dad!

[@EvilArco]

Wow....The toothbrush people told her that the toothbrush is as good as the dentist! hahaha

[@Ryan-rg1wz]

Always watching this duo here in London, lots of girl maths goin on here 😆

[@allibutler3422]

We need a link to the Amazon outfit!

[@emilygauthier4000]

31:03 my husband didn’t do a push present but I also didn’t tell him about it cause i knew he’d think it was ridiculous

[@cheerfulmouse]

You guys are so funny. Thanks to your attempts to stay 'hip' I have a bit more gen z knowledge 😅

[@christianad3040]

Girl math is really cost for wear calculations. Do you buy the dress for $20 that breaks after 1 season or something that costs more but last for years?

[@userr23033]

Here’s what happened next: she said they’re too nice, I can’t keep them, I need to return them. but the guys said noo, you deserve it, you give main character energy, you should keep them. And so he convinced his wife to keep them. 🤷🏻‍♀️

[@userr23033]

the story was just to demonstrate how amazing his wife is I guess.

[@dancechica]

I got like 50 bucks worth of Starbucks in gift cards between my birthday and the holidays. Best gift ever!

[@lq6424]

Rachel, we need your Amazon outfit!!! I wanna see it (and buy it😅)

[@jenniferpotter3742]

The Holiday is my all time fav movie

[@GwenMotoGirl]

Fave girl dinner: microwave popcorn with grated Parmesan cheese sprinkled on the top while bag is still steamy hot. 😊

[@bradmitchell5217]

Dude this was so funny!!!

[@ethanevensen3752]

Girl math suggests that cash is no longer activating the pain center of the brain. Im sure the Ramsey team is on top of this. I'm interested to see if they adapt the cash envelop system.

[@maryangelica5319]

I laugh at most girl math, but that part seems true of me, since my budget largely is formed from money brought into my accounts. Cash earned from things like tutoring ended up feeling almost like out of sight wrt the budget.

[@rena_vations]

I was a "like" girl for a long yime sometimes it still comes out 😂 The phrase that gets on my nerves is the "you know what i mean?" Cuz it implies you must agree or im right about this. It irritates me sometimes i say "no i dont know what you mean!?" 😂😂😂

[@lgrantnelson2863]

I wouldn't know about Melissa and Doug if I hadn't been a donation attendant. Circular saws make a loud high pitch noise. Depending on the blade they can be used to cut different things. Mostly wood. I think I'm rat guy most of the time. I have wood chips in my hair and on my clothing from using a circular saw. Really enjoy your show.

[@Darlyne-ng7np]

Congrats George

[@snailmix]

Guy Math is when you have a $300 budget for a project. A contractor would charge you $250 to do it, but you could also just buy a hand planer from Lowe’s for the same amount and finish the job yourself in a couple hours. Therefore you save $50 and the hand planer is now free

[@roycolbeck720]

Hey don't talk bad about man math. Lol. I have survived on 9-12k a year the last 5 years. I couldn't tell you how much my tools have saved me money. Every time something breaks i have fixed it myself. In my opinion at least in the auto industry, labor prices are just as much as buying the tools for the job. Then once you have the tools you save money when it breaks. It a necessity when you drive a beater. Lol. Being generous i have stopped on the side of the road and fix a car for people too. Now i do see the other side where you buy a 200 dollar saw and only use it once. But if your a go getter and regularly tackle things yourself as it cheaper and you love learning. The math does work out.

[@ginasurber5684]

Rachel, don’t downgrade dental hygiene! Your dentist is the authority! Heed their words! George is right! This “girl anything” is insulting to the intelligence.

[@henxinggan]

My 6-year-old just did her first grade math on an abacus for the second day in a row.

[@Sarahhannahtx]

I relate to the tool math so much 😂.

[@andrealuneau2050]

I have a "get tough or die" attitude about clothing.... If it can't survive the washer and dryer....then oh well 🤷 However I buy most of my clothes from thrift stores so no big loss.

[@lilic6747]

Oh the horse-gate!! 😂

[@firefalcoln]

It's not called a "circular saw" because table saws and radial arm saws are super common and both have circular blades and are otherwise very different.

[@NaturalWifeyandMamaBear]

🎃🎃🎃🎃🎃 Love y’all! So fun!

[@DGregster]

Dude idk what I would even do with a horse. Horses are expensive and hard to take care of. They need a TON of room to move around, they eat $1500 worth of food a year, plus the cost of pasture maintenance and maintenance and grooming of the horse itself. God forbid you have to take your horse to the vet 😢 cause that's gonna be expensive as heck too

[@sharongenco3716]

I just googled Krewe sunglasses. I would’ve returned them too! 😳

[@lizpleszkoch403]

I’ve never read To Kill a Mockingbird, but our pick for a boy name is Atticus. I’m just in love with that name! (Our girl name pick is Juniper.💚)

[@jbr2991]

Our dog’s name is Scout. 😂

[@Imbatmn57]

Thought about the "luxury tax" on feminine hygiene products ☠️.

[@luminous6969]

Girl math is thinking you need to buy a specific outfit for an upcoming vacation in the first place 😅

[@evanhdez]

Hygiene homies unite 😤

[@teelmulkey]

Rhekenrek, we use them at school

[@lyndahammel9502]

If you take care of clothes they will last for years. Some clothing items are classic or basic and will be worn many times for years.

[@funtechu]

Girl math is just basic behavioral economics stuff (found money, mental accounting, etc). And it's not just girls - these types of things are common for all humans.

[@bettedavis9261]

George, if you like coffee drinks, you'd probably like a Black Russian or White Russian. They're similar to today's Mind Eraser.

[@judymalenfant4703]

Leading lady from the Holiday