Is Casual Culture Bad for Your Bank Account?

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Why are wealthy people dressing like they have no money while broke people are trying to dress like they live at the Biltmore? In this episode, George and Rachel break down the latest fashion trends, how they affect your bank account, and why we tend to want what we don’t have.
In this episode:
• Why trendy things will never be worth what you pay for them, like the Stanley tumbler in cosmo pink
• Money advice that will always be in style: Spend wisely and don’t go into debt for anything (especially clothes!)
• George and Rachel reveal their worst fashion moments (Carhartt overalls are mentioned-and not by George)
Resources:
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• 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: Maple Manhattan
Recipe by Flour Child
Ingredients:
• 1 jigger bourbon
• 1/2 ounce sweet vermouth
• 1 tablespoon maple syrup
• 2-3 dashes angostura bitters
• 1-2 Luxardo cherries
Instructions:
1. Add one scoop of fresh ice to a cocktail shaker.
2. Pour in all ingredients.
3. Shake for about 20 seconds and then strain into a cocktail or coupe glass.
4. Garnish with a Luxardo cherry.
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[@bluetick67]

Now I’m picturing George as a slightly happier goth teen who still wanted to be dark, but not quite black dark so he chose dark brown instead 😂

[@Mamacitapurty]

I despair at the casualness of dress at church and elsewhere. When I was a kid in the 60’s we dressed up to go shopping downtown! I don’t want to go back to that but I feel our culture is way too casual. I think dressing decently shows respect for yourself and for everyone who has to look at me.

[@alleykeosheyan4779]

I despair at the casualness of dress when flying or traveling by train. Back in the '80's, flight attendants referred to the new generation of flyers "the Clampetts." '60's-70's kid here.

[@Imbatmn57]

If i had kids to take to shirt, i feel like it would be fun to dress up for church/shopping days, as well as tea parties, i want comfortable nice clothes though as well as pockets.

[@ghostbird92]

Always enjoy George's mention of Winston and his hatred towards crocs

[@A2thaLO]

It was 1992, the year of our Lord.... I wanted a new hairstyle and found a picture of Geena Davis on the cover of a couture magazine. I showed it to my stylist and walked out with a mullet. I cried for weeks, it grew back so slowly. 😂😅😂

[@bonniehalf-elven]

That is so sad. Hugs. I hope you got a new stylist!

[@jayw4]

The Kirkland King and Rachel are my favorite duo, 😂😂😂 thank you for making finance content so fun!

[@talinaalvarado9338]

Kirkland King and Amazon Queen 😂

[@bonniehalf-elven]

I went to NYC once and had tickets to a Broadway show. I figured I needed to dress up, because it was Broadway. I wore black palazzo pants, a deep purple wrap jacket, and a silver satin cape that belongs to my Galadriel costume. I was WAY overdressed. There were people in shorts, lol. I did get a compliment on my "opera cape." 😊

[@silviaivv168]

Just wanted to send y’all a quick THANK YOU for providing such great content that makes me laugh. I’m officially calling you “MY FRIENDS” because you are truly my people.

[@sheilabailey5195]

I have an experience to share where my husband & I went the other direction. We were invited to a graduation party for a female friend of my husband’s I’d never met. The engraved invitation said “formal attire” and “no kids allowed “. We had nice church clothes, but because of the wording of the invitation we rented my husband a nice suit & I bought a fancy new dress. We get to the party & people are dressed casual & there were little kids there! It was probably 30 years ago now but I’m obviously still traumatized by it.

[@loreenasings]

Ah same! I feel like I overdressed for my brothers wedding! People were there in casual attire despite the invite saying semi-formal. And I feel bad like I didn’t get the memo 😅

[@mistiburnes9709]

George, I wear solid (no holes on top) crocs to work- 😂 but I work in a drs office! Most comfortable pair of shoes I own!

[@corahanf2310]

I hope the pendulum swings the opposite way soon and we go to more formal attire. I think the style being so casual has affected people's attitudes and behavior in public. So many people are out of pocket and out of line these days. I would love for decorum to make a comeback.

[@eobardthawne324]

Clothes are for covering. Thats it. Everything else is people assigning value to something that doesn't need it. Clothes only matter if it serves an actual purpose for something. Like a hazmat suit.

[@shobull8695]

If you think casual wear puts you out of pocket just wait till you see formal wear prices.

[@kathyaakananabluebird]

George is a hoot. Love the humor.

[@Wolfie28645]

I grew up in a small, rural community and went to an elementary school that was K - 8th grade. In 7th grade, back in the early to mid 90's, I wore black jeans every day to school and a t-shirt, and I had a buzzed (shaved) haircut with a rat tail in the back and bangs in the front. Ahhh, memories... 🤣😂

[@AdamMullinscom]

As a shorter human I can relate with George's suit size struggle.

[@cdeuell86]

I donate bridesmaid dresses to an organization that collects prom dresses for underprivileged teens.

[@elainebradley8213]

So good of u. I know of someone who benefitted from a beautiful 2nd hand bridal dress that fit her perfectly. Best wedding gift.

[@alli.iirwin]

Great episode! I am almost 30, I look back in my high school days and CRINGE so hard! I went through an emo trend era of black hair, checkered skinny jeans and knee high converse! The worst! I wouldn’t be caught dead wearing that now lol. Such a good laugh. 😂

[@jonnyferrarini300]

George reminds me of the Miami Dolphins Coach Mike McDaniel lol

[@Pamela-tw5nr]

Where has Lindsay been at?

[@jenamurrell9221]

I love her description of the YL wardrobe. 😂

[@angeliamarquis6721]

Great episode. Its nice to put a face with George's "nightmare" gal, Skylar. 😂 Missing Lindsey, though. Fun Happy Hour today. Keep it up. ❤ from Kansas City

[@brightpage1020]

We have a farm, now, crocks are spring boots for feeding chickens ;o)

[@bettedavis9261]

I have knock off Crocs I use as my gardening shoes.

[@nae4830]

Love this one! Maybe explore luxury purchases?

[@Terrilyn_Austen]

I think there is a deeper thing behind what JB wore and I agree with George. That was so disrespectful to his wife. She is dressed to celebrate her new business launch and you can tell he could careless and showed it meant nothing to him.

[@morganhough1022]

My worst fashion moment was my first day of high school, showing up for a class in slacks and a sweater when someone yelled out "Shut up, the teacher's here!" They thought I was the teacher and I thought I was going to die.

[@joannawhite1441]

I hate social media. Bleck. I tell my kids they can’t have a smart phone until they can drive and can pay for it. Hoping I can hold off.

[@ParkDari]

The capsule wardrobe has been fabulous. I kept my 10 favorite tops my four favorite jeans my five favorite jackets my two favorite dresses and about eight pairs of shoes I did that three years ago. Haven’t missed a thing.❤

[@tduck828]

I so need to do this. I have 2 walk inclosets and 4 dressers full of just clothes!

[@denesecardwell8532]

I absolutely hate seeing pajama pants worn in public

[@megan2478]

"I see my dad in you, and I like it!" That was a great line...and I had overalls too. My parents HATED them cause they were NOT flattering. Ah...reminiscing about fashion from your youth always is fun and funny 😆

[@sarahgallant5107]

I'm a lifeguard and lots of us wear Crocs on the pool deck! They're easy to slip off in a hurry, and have grippy soles!

[@TheAppleBias]

I wear a gray shirt everyday and add a gray hoodie to it on colder days, It's the best, but my hoodies were like $20/each and shirts were like $15/each

[@USMCHelloKitty]

Crocs used to be popular in the medical field

[@jaylinbooker]

Skylar is so dope! Glad she’s on the show!

[@djsone3499]

I've never thought of the financial component of this. I'm an "elder millennial" with a young son, and I never leave the house without wearing my trusty chinos and a flat cap I've had for years. I never wear t-shirts with graphics or big logos. It's funny when I go to social events for my son and all the other dads are wearing jeans, gym shorts, t-shirts, and baseball caps I look more like I'm from 1964 than 2024 by comparison. I'm with George on the looking like a slob thing.

[@raniressler]

I struggle with dress. I grew up dressing up for church and even school to an extent. I have always loved dressing up though, so I am totally out of style with how I look, and I’m learning to embrace that again. I’m leaning into wearing tennis shoes more often, but I still love my flip flops! Also, I feel like second hand, whole sale and off-price retailers are the best places to shop!

[@karalove3470]

The fashion trends they had young was the funniest question ever on the show!!!! 😂😂😂 For me, grunge 90s kinda look. Flannel around the waist with plain t-shirt and jeans cut around the ankle to fit around the hiking boots!

[@zfehnel]

@SmartMoneyHappyHour - For the inquiring minds who need to know, what boots are George wearing? They look great!

[@GeorgeKamel]

Nisolo!

[@michelleparks4582]

Great laughs today, guys!!😂 So, my 23 yr old daughter told me the new trend is young (like 8-12) girls are at the mall with mom & dad's credit card spending big at.....Sephora!! Wth?? She said when she was there one day a child racked up a $900 bill on vitamin c cream, WRINKLE cream for the eyes (we all know that on par with platinum prices 😂) and so on. The salesperson gladly accepted her parent's card and off she went. Alone! Then she said that is the new thing is children using ladies facial stuff. Sooo, last night I saw a Neutrogena commercial with Jennifer Garner and she said "What's the right age to start your retinol routine? Whatever age you want!" And the costar of the commercial looked 12...like her big girl teeth were fairly new!!! I was floored. I started Walmart under eye cream at 21. My daughter started at 14. Which I thought was ridiculous. But it was Walmart stuff (like $8). Not $45 retinol cream and dang sure not spehora. Not even Ulta! Also, Rachel, they make matching kids Stanley cups , just for Amelia!! They're actually really cute. But I think I'd buy mine on Temu or Shein😂😂😂 just a thought to keep the girls in the loop without breaking the bank! Love you guys lots!!❤❤❤

[@saraoyer5197]

I have heard the same thing about teenagers and their skincare. One of my friend’s niece got a skincare fridge for her birthday. As apparently that’s a big thing too. Omg.

[@michelleparks4582]

@@saraoyer5197 I've always wanted one, BUT I used to make a lot of my skincare from the garden and would like to get back to it. That stuff will spoil if left out. But these kids are out of hand acting like adults! If your kid isn't even in a bra or wearing deodorant yet, no need for expensive skin care!😆 🤣

[@stevenrburgoyne]

$314 a month on sneakers?! I don't spend that much in 5 years on shoes. Get a good pair around $100, lasts anywhere from 2-3 years of daily use. Insane.

[@ImVeryBrad]

I only buy shoes at 50% off. I have 3 pairs in my closet ready to go

[@mademoisellesura]

This episode was great! This is most definitely my favorite of all the Ramsey shows. Also, I want Rachel to be my best friend! HaHa. I was actually in Nashville last summer, and when I went to Target, I was so hoping I was gonna run into her, but it didn’t happen. HaHa.

[@Todbrecher]

I personally have a few actually good looking T-Shirts (one colour, very good fitting) and a black pair of pants I'd use if it's important. And regular Trekking shoes. I got my apprenticeship with that setup, and my current job as well. If you have a problem with me wearing what I feel comfortable in for 8 hours of work, then we're just not meant for each other. Then again I work in IT and "no, we don't do the camera thing here" was one of the first sentences by my team lead when I started. As long as I'm wearing clothes and look somewhat presentable, everything's fine. If I don't look presentable the only thing that might happen is my boss taking me aside and asking if everything's okay or if I'd need help with something. There's only one occasion where I'd wear a suit or similiar stuff: weddings.

[@MittenGal_inCal]

For me in 2001 it was all about the fake tan. I was so orange for a time.

[@kandaceredeker5969]

Uggs with the mini skirt and polo tee - spiky ball earrings - 🙈

[@sbg1fan892]

Love this show.

[@joshuas.8239]

I think we’re beyond casual we’re to the point of absurdity when I can go to the grocery store and people are literally in their pajamas. This is not a joke it used to be a meme now people actually do it they go to the grocery store in their pajamas.

[@InfiniteMishaps]

The popped-up collar was a trend that I participated in. smh... never again.

[@SuperBetty00]

Omg I’m laughing all thru the show you are amazing I love your show can’t wait for the next one

[@kelsey.ann.taylor]

The young girls in my Youth group (they're like 11, 12, and 13) told me that kids are getting made fun of if they don't have a Stanley. Like, what??

[@Jeremy123-y3q]

On the Guilty as Charged I thought for sure George was gonna tell us about his super wide legged JNCO jeans back when he was a sk8r boi

[@GeorgeKamel]

My best friend wore them. I could never get behind the trend, even at 10 years old.

[@andratoma9834]

Thank Hod I am a medical professional where the UNIFORM is the norm..I am saving so much money on clothes!

[@tessaofhyrule]

I don’t know. As a woman if my husband turned up to a very special, formal event, one in honour/celebration of all my hard work, in sweatpants I’d feel really disrespected and embarrassed. The rest of the video was amazing 😅

[@jacobbenivamondez4460]

Y’all remember the paints that you could turn into shorts 😅

[@sandyhoward1661]

Back in the early 80’s in our area there was “Sexy Sunday”. A little too much for church but not quite cocktail dress. 😂😂😂.

[@DianaThompson-w8y]

I am just behind baby boomer age. My doctor wore jeans with holes yesterday. I restrained fits of laughter since I wondered if I am not paying enough for her to buy good jeans!

[@aaronhughson285]

9:46 Peter Manning makes a tux for us, George

[@sharondube1101]

Yes, post pandemic the dress code rules have relaxed significantly. People can now have any color hair, pink, blue, green, mermaid hair. People are wearing torn, ratty jeans, t shirts with pictures and sayings, strapless tops and dresses, bra straps showing, or vibrant underwear showing thru light colored clothing.

[@aliciacamacho5160]

You guys are the best!

[@sarahvilleda5095]

I agree with george Crocos should not be worn in the work place

[@amyethridge1798]

This one had me cracking up the whole time! 😂 But JB - show some love to your wife and dress like a gentleman, sir. 😉

[@nicolejohnson5225]

ASOS is the site.

[@tabsinnervoice3839]

In high school I wore baggy rock band tees, flared jeans, and Etnies. 😂😂 I have zero answers as to why…

[@shdwmav]

It was probably 1996, and Levi's button fly jeans were all the rage. So as my old jeans wore out, I steadily replaced them all with their button fly equivalents. Why? Who woke up one morning and decided "Zippers are just too convenient! Let's go back to before 1892 when the zipper was invented and convince people to fumble four or five buttons together every time they need to pull their pants up!" Needless to say, when those pants were replaced, they got replaced with zippers. I'd like to say I've never worn button fly pants since, but the USAF has other ideas with their ABU pants...

[@steebreeotey]

Happy Hour - “Ding!”

[@carolannstevens5814]

We are super casual in ABQ!

[@kimtapp5677]

Lol, I'm a parent of a 5th grader with a Stanley 😂🙈. She wanted a Stanley for Christmas (and then used a Christmas gift card to buy a 2nd Stanley 🤦‍♀️). We do nothing else trendy though. I'm way too frugal!

[@azimuthbusinesscenter]

I wore neon green crocs to work. It wasn't long before I got fired

[@abrareads]

It is worse to know that Beiber spent 1000 dollars to look like a slob at an important event.

[@MONI-bj1ms]

In grade scool Parker Pens with the large mushroom tops and the leather cord to wrar around your nevk, were the cool thing to wear 😅

[@andreamacleod1127]

3:00 I would have told him to change or I divorce him. Who does that to their wife? It's a launch, not a casual stroll to the Starbucks around the corner.

[@leigh-anneobrien3299]

"Why were you dressing like Mose Schrute?" 🤣

[@happyimpressions8902]

Crocs are appropriate for nurses. They are always having to clean their shoes.

[@turnovertheleaf5505]

Brown is beautiful on his complexion. Black on others. White on some, etc.

[@cmsa3]

Poshmark!

[@mandy3486]

I gave my younger sister a bridesmaids dress and she wore it to her prom.

[@maureenvallieres3555]

Love my PJ....😂

[@EnVec0]

As they review work worthy apparel, I noticed Rachel is dressed like Steve jobs with a black turtleneck and jeans. 😂

[@brightpage1020]

Snappy casual?!? How do I separate that from simply: preppy?

[@paulpostel8110]

Middle school I wore parachute pants with a hawaiian shirt, and a red bandanna rolled up and tied around my upper leg. Thought I was so freaking cool. 🤣

[@blackbutterfly233ify]

lol i used to work at rent the runway

[@gloriareynolds4050]

😂😂😂❤❤❤ Tux from the preteen section

[@franciscojuan4551]

Worst fashion trend I won’t waste anymore : G shocks

[@lunallena5594]

Justin Bieber looks like he just rolls out of bed to go anywhere.

[@strawberry_moments]

I kind of feel Justin Beiber was pulling a "Kanye West at the Met Gala with Kim Kardashian". He's letting his wife get the spotlight and he's like it's her night, I'm in the background supporting. Keeping it plain while she shines like a diamond 💎 ✨️

[@karenhoward8542]

WAY too casual. Poodle skirt and white rabbit fur balls on velvet rope to tie up my ponytail. smile

[@ParkDari]

I disagree Rachel buy a used tux. My husband has used the $36 used tux from our wedding these past 23 years. He is an athlete and has stayed fit so the suit still fits one of my best investments. He borrowed the cufflinks and vest and cummerbund from my brothers. It is a classic and perfect condition.

[@AndyTargaryen]

How are the bottom of his shoes so clean?

[@robinkrieger8003]

Folks are so overweight in the midwest and tourist in Florida ….its a sharp contrast to the simple style in Italian cities…..

[@lucyb9320]

Random thought: Maybe Justin dressed down on purpose so Hailey could shine? She's often known as or referred to being his wife and not as necessarily an entrepreneur and a model. It did come across as not caring to dress up, but I wonder if it's hard for her to get out of his shadow.

[@joannawhite1441]

Crocs are for the pool. You are right!

[@Chard-man-G]

Did I miss where we heard where Linsey(?) went?

[@badgirlhowdy]

Can we get a real of George accusing people of buying Carhart and Stanley cups to cosplay construction workers? hilarious.

[@silvanahamidggg6786]

Overalls era was for me 🤦🏻‍♀️.

[@lorettauppercue6400]

And I think most of those sneakers are sitting in boxes not to be worn, and no they're probably not thinking retirement

[@DianaThompson-w8y]

I find it sad that when people get up to perform in jeans and a T shirt.

[@RonettaCarroll]

Painters pants & Izod shirts😂😂😂

[@daisy3384]

Hoping those hardly there mini mini prom dresses are out of style soon

[@ghostbird92]

This obsession with skincare and makeup products is actually why gen z is said to be aging worse than millennials. Using these things prematurely can really do some damage.

[@naomirachel9161]

Well most Gen z are adults now, the issue is really with Gen Alpha, 8 and 9 year olds using peptides and eyeliner 😭

[@ghostbird92]

@@naomirachel9161 Yeah I guess it applies more to Gen Alpha now. Gen z might be more in the age range to be thinking about botox too.

[@Blue_Ink_Crochet]

As a gen z (21) most of us were NOT allowed much makeup/ extensive skincare in highschool or middle school. The problem is defintely gen alpha starting skincare and makeup in elementary & early middle school

[@lyndsaymoehrman]

@@ghostbird92There are so many gen z changing their facial appearance with Botox right now, it’s shocking. It’s so sad that they feel they need to literally change their faces to fit a specific look, that will change again in a few years. 🤷🏼‍♀️ My daughter told me she has been reading articles about younger girls 8-9, going into Ulta and Sephora destroying and mix it up all of the testers and then happily skipping out with their bags full of drunk elephant products. Um what?! I was in Ulta this weekend and a friend who works there told me that it’s daily that she sees Young elementary girls in there buying the expensive skin care products. She said they tell them not to buy the wrinkle reducing creams.

[@May-qb3vx]

I think it’s more gen alpha. Actives are fine for most members of gen z.

[@Lbff1225]

We call “Snappy Casual” = “Snooty Casual” :-)

[@jayrome8245]

Rockabilly for a season

[@abrareads]

Is that Lindsey's laugh in the background?

[@maggiethompson9523]

What happened to producer Lindsay???

[@barrywertz6274]

Abercrombie in 1999.