15 Things We Wish We Knew in Our Twenties

[@calvinwebb8949]

When I was in my 20's I was selfish and it was all about me. Now I'm in my 50's I have learned to treat people with respect and grace because you really don't know what someone is going through.

[@claricetweeten2970]

Thank you for sharing that. I’m 27 now and have been obsessed with saving for a house, retirement, a car, emergencies, vacations, etc. Right now there are so many things I could save money for, but I’m trying to focus on being grateful for what I have. I am fortunate to be able to save for the life I want, and I want to do better about giving more to those who are less fortunate.

[@bige6876]

Follow Yeshua

[@BVel92]

im 32, married 10 years, with 4 kids. Alcoholism and Drug abuse almost destroyed my life in my 20s. ive been clean for almost 6 years and sober for 2. I chose to follow Jesus and lead my family by example. iv learned years go by fast and to not take life for granted. Love God and Love people.

[@dwr1611]

i come here for the comedy really....you guys have great banter and chemistry

[@adamturner6460]

I'm an Eagle Scout and comes in handy more than you would think. Love the content. Bless you all.

[@ellievranesevic]

I just LOVED that cellphone on the plane story, rachel. I know it was something simple but it really was inspiring. Just small things that help other people really does make the world a better place. ♥️

[@joygarrett8397]

I wish my 20 & 30 year old self would have had access to a Ramsey plan! (I’m now 66). While I did have a few people tell me about the importance of saving (which I did eventually) and setting aside $$ for retirement . . I had no one to show me How to budget appropriately to ensure those things were Top priority. How to sacrifice. While I’m “ok”, I would be in a much better place now if I would have had some deliberate instructive guidance!!

[@elizabethwollmann1099]

Being in my 5o you realize life is not all about you ! George your such a wise man 🇨🇦

[@RichardTouchfaith]

I was studying business in college in the late 90's and watching financial news reports for some reason. Two things I keep hearing was: --Max out your 401k asap --Invest in the Internet since it is the future. 47 years old now, and life is so good! Thank You so much to my younger self for paying attention and actually following through with the advice!!

[@DeLaCruz878]

"Every inch matters" George Kamal

[@MrManfred951]

33:01 😂

[@chrisnolin3039]

Rachel's phone flight story was great!

[@hannahmoore702]

Yes, please write a book about this!! I need this advice in my life right now. Thank you for taking the time to do the podcast on this topic.

[@Reece634]

Smart money half an hour

[@miggy2g]

Ur funny😂

[@BVel92]

😂

[@leahwolber7082]

I had three kids starting at 24 when my career was barely getting started. We were so broke and then my youngest is severely autistic and kind of broke us for a while. We (and she) went through hell with no sleep, destruction, therapies and constant stress. She is now 10 and I’m 39 and I wish I could tell myself it gets better and she gets happier. On the money side I would tell my past self to keep working and that it gets better in the future.

[@NurseRowee]

I started reading food ingredient labels a few months ago and was shocked to discover how many unhealthy additives are in foods marketed as 'healthy.' No wonder we're seeing so many health problems.

[@elizabethbayless8867]

I had been to all 50 states by my mid twenties, and some countries as well. Had to stop overseas trips for a while, raising kids, etc. I’m now 67, work full time and getting in lots of trips. I’m up to 27 countries and going strong! Very thankful!

[@alicesadventures5]

Im glad I have been seeing the world whilst Im young. Before responsibility and kids

[@TheDianaPrince348]

You can travel very cheaply especially as a student. Highly recommend doing the backpacking/hostel travel in young adult life

[@HeatherSimants]

Rachel do NOT feel bad about reclining your seat! You paid for the ticket and like you said the seat reclines. Enjoy it!! I’ve had the person in front of me recline and I deal with it!! I think it’s rude for people to say your not supposed to recline. If you are so tall and don’t want the person to recline their chair that’s on you, book a first class ticket then and get all the room you need! Don’t make someone feel guilty for using the seat like it was intended.

[@blingconomy]

My advice to my 20s self would be to pay what you can on your student loans-even if it is just the interest. Also, deferment is delayed pain. Therapy is cheaper than retail therapy.

[@KarenScroggins]

George, we need to hear you sing “Help Me Rhonda” by The Beach Boys when you talk about an emergency fund from now on.

[@mirandaputman5742]

George is absolutely RIGHT on the Gluten! I will be 41 in September. I developed a sudden rash, and many other symptoms, at age 39. I've always had a high metabolism and eaten basically anything I wanted, until then. Now, even the smallest of gluten affects me. 😢

[@cheerfulmouse]

George! I'm cracking up at "mummified tomb of an air filter" 😂

[@lindawilson4625]

Yes, George, older people sometimes do think "That's cute" depending on the wisdom being shared. We all learn & keep learning :-)

[@suzboeh633]

Team Rachel on the reclining airline seats. They are made to do this, so using the full recline is not overstepping anything. George, failure to use a blinker is against the law. Not the same!

[@Littles13579]

Do you guys have merch? I would totally rock a smart money happy hour hygiene homie hoodie.

[@katiedickinson7866]

To Rachel’s point about figuring yourself out in therapy. a life as a Christian or with a faith in someone/thing other than yourself where you learn to be content because of your faith helps you along that path also. That’s my experience. You two are a great pair!! Love this show!!❤

[@eandrgoodwin]

I flew A LOT for work. I would recline my seat EVERY TIME! And pretty much the second we hit cruising altitude. Like you said, Rachel, the lean back is like 2”, if you’re lucky!! And that’s how the plane is designed! I might put it back up if an actual meal was served, but not for snacks.

[@sierraolsen3177]

I am in my twenties now about to graduate college soon thanks for the reminder to chill out a little. I am excited to graduate debt free this December!

[@averynmitchell]

3:14 That is literally exactly how I feel at 22 thank you for making me feel seen and for your advice 😭

[@melodytime9189]

I have a weird question since you guys talk about life and money would you be able to interview specialists and ask them what preventative things we should do to help save money? You guys talking about dental stuff made me want to know more about basic house, health, and life stuff!!

[@lioness2094]

I agree with traveling younger before retirement. I see people Who can’t walk around/climb stairs/. Etc

[@alleykeosheyan4779]

The same!

[@sallyprzybil2404]

I agree. Before I was 30 I’d been cross country in the USA, been to Europe twice all on a very low budget.

[@lioness2094]

@@sallyprzybil2404 I been all Over the world as well. There are ways to cut cost and be on a budget. I love traveling !!!

[@suzboeh633]

Who is to say those people never traveled earlier in life? Maybe they did and do not want to stop.

[@karinshuler7108]

I had a heart attack at 51, now diabetes and arthritis. I wish we had done our fun stuff earlier. But we had no money and 😅it was tough getting time off from work.

[@dt7353]

As an Eagle Scout, yes we did have to spend a weekend in the woods without a tent or anything. There were other things going on in the area but we weren't allowed to speak to anyone until the end.

[@hikenthru]

You guys are sooo great! I have listened to Dave for years and have just recently tuned into this show. It is AWESOME!! Love the concept! I am only about 3 episodes in and can't wait to get more!!

[@averynmitchell]

15:39 I'm learning about tongue scrapers right now at 22! Thanks George and Rachel!

[@rubytoledo1477]

Love the show and the modesty of you two❤

[@ngauyoujin1163]

great airline story from Rachel 🤣

[@dorcasbyler7881]

Rachel’s cellphone save story!! My kind of story!!👏👏

[@elizabethwollmann1099]

Right on Racheal less is more 👏👏👏 , love it ! peaceful and very manageable , time is precious

[@elainebradley8213]

I did brownies for 1 year, then it was discontinued. In that 1 year I learned a lot and was disappointed to not be able to continue.

[@cocoabeachcbbc1458]

I love it! Clark. Boring, unassuming, just hangs out there til you need it - then it’s Superman

[@Suds311]

I have an Eagle Scout and a Girl Scout. My Eagle worked very hard to complete his requirements and we are proud of his accomplishments. However, Girl Scouts is about more than cookies. My Girl Scout camps, travels, volunteers and does just as much as son did with his troop. As with any program, you get out of it what you are willing to put into it.

[@sharonh8121]

There's an equivalent to being an Eagle Scout and that's the Girl Scout Gold Award. 2 of my 3 children (now adults) were Eagle Scout and Gold Award scouts. There's lots of good benefits to becoming one! They both joined the military and had 1 rank higher right from the start because of that.

[@elizabethdewitt8650]

I was once on a long very early flight (like 8 hours) and as soon as we boarded the girl behind me put her knees up against my seat so I could not recline at all. She stayed that way for most of the flight. That was way more irritating than someone in front of me reclining.

[@kirstenwatt9605]

Did I scroll through the transcript for this episode for the recommended MERV rating? Yes, yes I did. My air filter is about to get an upgrade 😂

[@lindadorman2869]

From a financial perspective, I wish I understood the power of compound interest and learned to invest at an early age. At 64, I have a shorter runway so being debt-free and continuing to save seems like the only option. Otherwise, I wish my younger self took more risks professionally. I was scared to start my own business so I continued to follow a traditional career path and it wasn't until I launched my own business in 2020 (at age 60) that I realized I could be successful on my own.

[@Lbff1225]

GEORGE!!! THANK YOU!!!! I almost always read labels, but I was in a hurry in Costco and saw Liquid IV on sale. I’ve heard several people who normally promote healthy things refer it, so I just bought it. I love the taste and have been so glad to find another (what I thought was) healthy electrolyte powder. I immediately went and looked at the label when you said it has sugar…11g!!! That’s ridiculous! No more Liquid IV and I’ll make sure I read the label from now on. Thanks!!

[@donnahampton3632]

I stopped reclining when I realized how much discomfort my tall husband and 3 adult sons all had on airlines (and 3 of the 4 are aircraft mechanics). It kills their knees!

[@Joenzinator]

Saving early has a lot more value than I realized. In college I spent what I had and figured I’d make more money after college so that $2000 was nothing. But that 2k in a Roth would 100x by retirement.

[@TC2020-w8u]

Had a tongue scraper by 17. Was a SEASCOUT. Drank a gallon of water every day of my 20s.

[@alicianiles3318]

Please make the Every Dollar app available in ALL REGIONS....please!!

[@AlexPrime86]

I felt you on that filling my tank every time, I used to just put $20 at a time and of course just spent the rest on nonsense 😅

[@lioness2094]

Love budgeting with EveryDollar. ❤❤❤❤❤.

[@AdamNicol-o8j]

I lean my seat back, zero guilt !!!

[@mistiburnes9709]

I wish I knew how bad credit cards were and that we should have been investing sooner!!

[@NightMoon04]

I was taught it was more financially economical and fuel efficient to fill the gas tank every time. Filling it up a .25 at a time will have you spend more in the long run. Twenty years later, I still fill it to full never under.

[@cheerfulmouse]

George, you have to find Travis Doodles & his friend Rhonda!! She's definitely a ride or die friend 🥰

[@lenisteingen3036]

Thank you for this super fun episode, I really enjoyed it.

[@Onlythemusic23]

Please recline your seat if you want to without feeling pressured especially since the seats don’t go that far back anyways like Rachel mentioned. The seats were made like that for a reason 🤍

[@elizabethhenderson9934]

Reclining your seat is only an issue in the US, nowhere else in the world do we debate this. Everyone recline your chair until meal times, then you sit up as courtesy

[@cocoabeachcbbc1458]

I’m with Rachel on the airplane seat thing! They give you the illusion of comfort and then can point to the Inconsiderate Passenger as to why someone is feeling squeezed but it is really the design of the airplane seats to maximize passengers. But if they do the logical thing and take away that little button, people will only have the airline to focus on. This is a cruel psychological thing, akin to putting candy bars a kid height in the checkout line. Look at the reaction in the studio. That is 100% intentional on behalf of the airlines

[@davidmilhouscarter8198]

10:30 I’m surprised that George knows about MERV ratings and how to change the filter.

[@GeorgeKamel]

I know how to change two things: diapers and air filters.

[@AnnaWatson-cm3lj]

I used to use high quality air filters but it blocked the flow so much (even replacing them once a month) that our A/c had way worse problems!!

[@joncooke452]

I heard from a health professional that 85% of our water intake comes from the food we eat - not what we drink. The food water is absorbed in the intestines when the food is there. Most of the water we drink is just urinated out...

[@livewiki341]

Plus The body is really good at knowing that it needs water, so for 99% of people if you just drink water and when you are thirsty, you will be fine

[@ArmoredLion217]

"Every inch matters" -George Kamel

[@sarahrzewnicki7292]

Love this episode

[@lois20243]

we need every dollar in Canada!

[@sherryingle]

I wish I would have known about the Ramsey solution principles in my 20's...would have saved me alot of financial missteps!!

[@elizabethwollmann1099]

Racheal 👏👏👏 it honestly a horrible feeling loosing a cell phone 🇨🇦

[@cmsa3]

George: "In my time in life..." 🤣😂

[@Christifrazier311]

I had to come on to view today- I typically listen via podcast but for the past maybe…. month there is a noise that happens once or twice during the podcast that sounds like my speaker is blowing out. So I had to watch to see if it’s someone hitting a stack of papers on a desk but I couldn’t see what was causing the noise (happens 4 times between 38:30-39:15) - it’s very startling in the car!

[@haleyjohnson4595]

It’s the sound effects they added when they pop the words up on the screen.

[@PinkieJoJo]

I’ve also seen a lot showing mouthwash is bad. Something about what it does to the enzymes in your mouth.

[@pratik1481]

Rachel wanted to laugh so hard at water sommelier 😂😂😂 same way I actually did

[@RPMcMurphy33]

George droppin’ bars 😎😆

[@christieeady3027]

I imagine George singing, "Help me, Rhonda" when he has to go into his ER fund.

[@SteezyVon]

As a fellow HVAC guy, also don’t sleep on your cars air filters cabin and engine🙃

[@christinab9133]

❤❤❤

[@ShelleCedotal]

Seat recliner! 🙋🏻‍♀️

[@thebusymrs]

I follow that water guy on TikTok too!!!

[@janlouisemakiling3474]

If I can return in my 20s’ Save Invest in myself Build network take risk prioritize health

[@sergiomtz7315]

Hospital grade filters!!!! That puts a lot of strain on your blower motor,more air restriction. I think Merv 8 is perfect balance..

[@gabec1087]

The beat out of nowhere 😂

[@metaltera86]

As an hvac technician, George knows his filters well lol

[@pinevalleyfarm4941]

We need Winston on here! Maybe discuss real estate that episode.

[@andrea.givens]

🤣 the Girl Scout convo

[@ArcadianDan]

28:49 Good ole Rhonda or Ronda. 😂

[@alyssarogers4352]

I definitely dont recline. Too many friends with health problems or that are tall that have frustrations or pain with it

[@annabelleschade170]

George seems like an Awana guy. I would know, was an Awana gal myself 😂

[@cookinthekitchen]

Im also allergic to gluten and dairy. I have lactose free milk and cheese.

[@sothearyouk373]

Smart Money Happy Hour is the best! You guys are so funny. Entertainment and great money/life information. 🙌🏽

[@sallyprzybil2404]

The 20s were hard because you don’t know where exactly you fit in in life, you’re busy trying to establish yourself as an adult and in some kind of career, and George is right, money doesn’t seem real to someone in their 29s. That’s how kids get into student loan debt, car debt and credit card debt. They think that’s what they ‘should’ be doing.

[@coolsa4720]

its funny how nobody talking about forbidden ebook called mental cashflow on borlest…

[@MrNutz87]

I feel so seen with the Awana comments from George 😂

[@Karen-pe6oc]

I'm guessing Rachel isn't thinking of Clark Griswold😅

[@joaquimrodriguez8961]

just install a track blocker and skip all ad's.

[@C-ZARS_PALACE]

As someone who's 6,4 Rachel's the person I'm seething behind lol

[@moore99rbl]

Not all heroes wear capes, Rachel. Not all heroes wear capes… or have Venmo.

[@davidbernalpianista]

I would like to be an adult eagle scout, surival, etc. are there classes for this?

[@amywaldheim]

I'm so team Rachel on the reclining of the plane seat. It was made to recline so therefore you should be able to recline!!!!!!!!!!!!!!!!!!!!!!!!!!!!! FIGHT ME ON THIS!!!!!!!!!!!!!!!!!!!!!! LOL

[@thedopplereffect00]

I'm on team recline

[@azteca6695]

If I knew financially then, what I financially know now.... I would be financially in a better off

[@Yubeta1]

Do the rap bit with those statements 💯

[@meissner16]

Go Rachel!