Are You Guilty of These Financial Turn Offs?

[@gabrielleolivia1]

Borrowing money to pay for needs and then you see them purchasing things that are NOT NEEDS.

[@YasminQuinonesRE]

I had someone closed to me who asked me for money to pay the electricity. I gave her the money and very next day they were eating at a restaurant and posted in social media. I called her and demanded my money right away way. I told her to never ask me for money again.

[@sprint7412]

My aunt is like that. She doesn't know how to save.

[@ryanpatton1795]

I lent my MIL 750 dollars and after 2 months of still not being paid back when promised she was buying doordash for my daughter and planning a cross country trip

[@delanacunningham9581]

Husband and I gave my younger sister $300 gift card to HEB (Texas chain store with gas stations) for groceries for her and her family of FIVE. She said she had been to the food bank recently. My mother called me a few days later to thank me for giving sister the ability to take her family to Six Flags in Dallas. Used it to pay for their gas. I was so angry.

[@gabrielleolivia1]

@@delanacunningham9581 I live in Fort Worth! Also, that’s awful. Thankfully none of my irresponsible family asks me for money.

[@lilic6747]

It's an ick to me when someone I know said "we're debt free except for student loan...and a car.." lol

[@RobertBeedle]

😂 That like saying I'm extremely good ripped except for my 30lbs of fat covering it up.

[@kareninavasquez8037]

😂😂😂 so true…. So your still in debt

[@mariguzman7752]

My ick if when your “broke “ friend realizes your paying and starts to add more things on the tab than they normally would’ve bought them selves 🌚😂

[@kiddorot3848]

I can not believe ppl really do this! When i know someone else is paying, I order the cheapest thing

[@Happymavishappy]

@@kiddorot3848Same. Unless it’s my boss! Then it’s filet mignon every time!

[@marthamette3018]

Rule in our family is if someone is covering the whole tab, we order equal or lesser price meal of the person paying.

[@WadeMossOfficial]

Fr!!

[@PinkieJoJo]

My ick is when family only calls you when they want something from you (financially) claiming they don’t have money for necessities yet they constantly post on social media their outings at the bar, concerts, road trips, etc and they smoke a pack per day.

[@truthseeker6370]

I tipped for carryout food during Covid to help small businesses stay in business. I am now Fed Up with the small businesses that ask for a tip when you swipe your debit card! Seriously? I am using My time and My gas to pick up the food I ordered.

[@kariforgie457]

Yes on the social media! Parents posting all the presents under the tree on Christmas Eve! Birthdays....Easter...on and on

[@marthamette3018]

Yes know of family that did this. Two months later their home was robbed. Plus post your trips after back home. Never while you are there.

[@BethAnnesBest]

Oh the overtipping is driving me crazy. Like there are SELF-CHECKOUTS asking for tips...where does that tip go? It should go to ME. lol

[@lindadorman2869]

My favorite is "If you become debt-free and don't like it, you can always get back into debt." Once people realize how great it is not to owe anyone, it's no longer an ick!

[@bryan_witha_whyy]

I’m ok owing someone so long as the money I’m making off my money is more than the interest I’m paying them. As long as you have the ABILITY to pay it off, it’s not a big deal.

[@emrose1717]

Love this saying too! 😊 & “it’s easy to walk into debt. It takes years to walk back out.”

[@CJ2023Incognito]

12:57 I hate the “let’s take turns”. It eats me up until I can return the favor OR the other person doesn’t remember it’s “their turn” and I’m not about to remind them. 😂 lol Just pay your half and let’s both have a great day. 👍

[@BethAnnesBest]

The other issue is it's often not fair. Like say you pay for someones $5 queso and the next time they pay for a $20 charcuterie board...so I don't like that either. I also don't like when people are all lets just split the bill 5 ways even...also not fair.

[@gretalukoseviciute2058]

Let’s pay whatever who is eating

[@mskimy1125]

One of the best pieces of advice i ever received was to never do something for others expecting something in return. I buy people coffee or pay for their meal ocassionally. No catch. I have a budget line specifically for giving and celebrating others so i do it with money intended for that purpose. If people want to get me back they can, but its up to them. I dont harbour any ill will if they dont treat me back.

[@autumnjerene]

My ick is when someone complains about being able to pay the bills or how they need student loan forgiveness to make ends meet, but they go on vacation more than I do.

[@WavyCurlyGina]

I work with someone like that. It's obnoxious

[@barrybegley5379]

Part of what makes Your show so compelling is the tight-knit chemistry between George and Rachel. The honest introspection and very human foibles presented by each of the hosts illustrates that even two "financial experts" can have a few of the ticks of the everyday viewer. Thanks for sharing guys. Always interesting. Greetings from Ontario, Canada.

[@Mamamischa]

I soooo judge married couples that Venmo each other!😂

[@RobertBeedle]

My wife and I have separate bank accounts with USAA. We share every dollar and I pay all the bills since she isn't working now. It just helps for budgetting purposes. She gets her fun money and can self regulate better.

[@davidibarra892]

I can never get enough of this podcast! 😅

[@lucasr648]

My new ick is when someone says “even with my noise cancelation on my AirPod pros” 😂

[@lyndajones1133]

dude hahahahahahaha sames

[@lyndajones1133]

the instantaneuous ick 1000.

[@chemquests]

Rolling over negative equity on car loans. I don’t know anyone directly but when I hear about it on these types of shows, it’s the worse.

[@calvinwebb8949]

George I loved the impression of Rachel on the call where you told Katie to sell the horse. Lol 😂

[@ashleylastova9970]

We love you guys! You are so fun! We have enjoyed making this a tradition in our marriage. We have made you guys part of our Thursday night date night, with some grocery store sushi, and a bottle of wine, after we put our four kids to bed.

[@jessecollingwood1002]

Non financial - when people say “I seen” Financial - complaining about being broke when you make terrible decisions that you were warned about and still expecting my sympathy.

[@sprint7412]

My ick is the guys who get out a large wad of cash to show off when paying for stuff.

[@emilypaigem2000]

I would love to see an episode speaking about the finances of MLM’s and other online scams

[@downthehall-way7435]

They actually did have one. I don’t know when it aired but I’m sure you could search! 😊

[@zachclark1883]

Finally ended up here after being on Delony and Ramsey for several months. This is now my favorite show on the network. You guys are great 👍🏻

[@johancuellar6358]

I love what a good sport Rachel is🎉

[@kathyaakananabluebird]

Making your 15 year old pay rent is an ick! So strange.

[@charmin78]

Takeaway: Tipping on the post-tax amount….i just realized this.

[@carrcovers3775]

George needs to do stand up 😂

[@autumnjerene]

He used to do it.

[@joycecarde7759]

I truly cannot get enough of you two! At first, it was only me, but now my husband and I enjoy all of your videos! Then, we share your wisdom with our kids! ❤

[@denisemckinney3973]

Married respect. Our Every Dollar App has $60 in my hair cut category. And never embarrass your spouse in front of others. Putting down your spouse is always uncool.

[@1stgenhustle461]

Can we see the bartender one of these days? Can he make “mixology and money” videos, where he shows how to make the drinks, talks about the cost, and maybe even has a money guest to make the drink with him, while discussing other big money topics? Maybe have it start as a SMHP bonus show/segment/mini-sode, then give it its own YT shorts, and see how things go? There is something mesmerizing about watching someone make something and it could be an interesting way to talk about money, maybe even use drinks to illustrate financial concepts in fun ways. Would love to see George promote his book while making a cocktail with a bartender, or see Graham Stephan talk finances while making a special iced coffee mocktail with the mixologist.

[@AgentGWG]

These two are not an ick! Great part of my week.

[@allisongraf5299]

Too funny. My face hurts from laughing every week😂. Telling Rachel her financial ick was hilarious.

[@kelseystratton4290]

“If you get two penny pinchers, no one’s going on vacation.” This is so funny and true. 😂 That’s me and my husband. We take trips but it’s hard to spend money!

[@pdxmusl1510]

I hate spending money. I used envelope budgeting not to keep track of spending problems like most people. I use envelope budgeting to give myself permission to spend money its ok to spend. 😂😂😂

[@searcyangela]

Dirty Fingernails are one of my MAJOR ICKS!!! Hilarious!

[@Noemie_Robidoux]

Big ick for me is when, say someone owes you for a meal and it is 19,76$.... and they pay you to the penny. I round it. I would give them 20$

[@jacksongezan8130]

Or when you ask them three times to pay you back and they keep waiting till you forgot.

[@filiatreaufamily2322]

Bragging about how many credit card points you have but not mentioning how in debt you are in for those points 😂

[@denisemckinney3973]

Kindness to servers is totally needed today. However, if the restaurant automatically charges 18% for your group, then that is what they get. And I do not feel like tipping someone who passed me food from a window. When I get exceptional service at a sit down restaurant I often tip 25-30%.

[@sunsetkizz1]

I ❤ this episode! U guys are informative and hilarious! George with his quick retorts! 🤣

[@texasskygirl7890]

Talking behind someone back on a double text and then accidently sending that text to the person you were talking about.

[@caitlyncooper3792]

I feel like I remember an episode where George told Rachel she could use his HBO Max Account.

[@christopherhernandez3909]

Really? Was it just to save money?

[@CJ2023Incognito]

2:10 George outting Whitney like that. 🙈 lol Dude’s too honest.

[@stevenporter863]

21:02 I am with George on this. Also I always ask if the tip goes to them and the other workers or just a way for the store to raise prices. If store, $0. If workers, 15%. I got answers both ways, some employees say straight up they don't see any of the tips since it just goes to the company.

[@lindawilson4625]

Good show! Thaks :-)

[@ramong2277]

One of your best episodes !

[@heatherwhynot]

Wow there's a lot of haters/trolls in the comments today! I think a lot of people are feeling personally attacked and are taking it out on you two. The thing is, if y'all disagree so hard, then why are you watching??😂 George and Rachel, you guys are the best!!

[@mckaylanitz]

I really enjoyed watching this!!

[@ZiggyMoney911]

Love George and Rachel!😂

[@marinashlez1658]

Love this show and the dynamics!

[@bonniehalf-elven]

I don't know for sure, but I think LED light kits for your vehicle might be an inexpensive way to jazz up your truck. I wouldn't judge that. It's fun! Keep in mind that I live in an area where few young people have really expensive trucks, so they often personalize them with cheap after market kits.

[@chowceo]

Drinking game for “Happy Hour” every time Rachel flicks her hair back take a drink 🥃 😂 love ya Rachel ❤

[@charityneverfaileth22]

My ick is people who shame "overactive Venmo" people. Pull your own weight and stop shaming people for being fair.

[@victoriaemerson-ds8du]

💯

[@laanierhae]

My ick is people who are so insecure, they think everyone is trying to take advantage of them, so they become the ultimate penny pincher. I planned a nice day out with a sibling one afternoon. At one of the venues, the card machine was down, and they only took cash. So I paid for the both of us. We were going to lunch next, so I said they could just pick up lunch, and we're even. They insisted on driving around to look for an ATM (this was before we used Venmo and PayPal). They pulled out the exact amount they owed me and paid ATM fees in the process. They were SO worried that I was going to take advantage and order a single cent more than the amount they owed. So bizarre. (And this sibling and I were evenly matched at the time, financially speaking, so money was never an issue between us. We lived together at the time as well).

[@julieo330]

I appreciate good quality things, which tend to be more expensive. They fit better, wear better, last longer, etc. However, fashion where the logo is the pattern. Not sure I'm saying that correctly, but ICK!!! And they look ridiculous!

[@MariaGarcia-gj5ie]

Informative and so hilarious ❤

[@CPMom83]

My aunt buys everything under the sun, but then she won’t dish out the cash to buy CHILDCARE for her special needs daughter… like, please save your money for the things that matter in life and stop asking everyone else to babysit your kid… especially when she is sick! Or at least save your sick days at work for when this kind of thing is needed! Her priorities are just messed up.

[@covertchannel]

HELOCs people take out for expensive wants like pools are an ick for me. If you can’t afford a pool, don’t take out a HELOC for $80k to get one at 8% interest.

[@lauramojena9544]

I tried the Mexican Zombie at Zuma in Miami and it sounds very similar to your drink today. It even showed up at the table smoking! Great drink! Thanks for your suggestion and your entertaining podcast!

[@deb9806]

Since I don't drink, I hate paying for others 2 or 3 drinks since they are much more than water or a diet gingerale. I usually don't say anything but if they have 3 or more and it's 4 people, it's a lot more and I have said something then (and wonder if they should drive)

[@ST-ue5fb]

Rachel and George are a lot of fun. George is a riot!!

[@AviSpira]

Great episode as always!

[@janise01]

TBH I think the one who came up with the "overactive Venmo" ick is also the type who go out with people, order way more than everyone else, demands they split the checklist, and then acts like those that refuse are broke b/c they won't cover part of their meal. Sure in theory it may "wash out" but we all know there's one person who more often covers it for the table and/or one who doesn't have their wallet so it never really evens out. Also 100% of the time the one who calls asking people to cover their share an "ick" and the one who conveniently doesn't have their wallet is the same person.

[@janethms3]

I like restaurants that allow separate checks.

[@victoriaemerson-ds8du]

YES. Just do the Venmo right away, and keep it simple. It’s too much to keep track of, and not everyone has the luxury to cover other people and get paid back later.

[@lyndajones1133]

i love it how rachel translated "be hypocritcal" to "being humble" didnt notice it after first couple watches. love her. and still, i comment. 8:18

[@retnuh1262]

Me and my best friend loosely switch off on every other. I grab lunch this time, you grab dinner next time. And if we do like dinner then dessert, then maybe I cover dinner and he covers dessert. I only do this with my best friend, everyone else I am more like George. Not letting that $6.53 slip by unnoticed.

[@carolyn683]

I decided on my last vacation that from now on I get the better airbnb instead of the nice cheaper one. Both still nice but it is a vacation and i don't need to be so cheap!

[@joygarrett8397]

There is a Huge difference between flaunting $$ & being genuinely generous. It gets down to intent. I have an acquaintance that is very well off & always pays for a meal tab . . But also always insists on going to a place I/others wouldn’t cause too pricey . . . & of course let’s everyone know just how generous she is & how grateful I/we should be . . .arrggh . . I haven’t dined or associated with that person in a long time cause it makes me feel small . .

[@svetlanadreher7190]

Have you ever talked about it with your friend? Maybe they are not even thinking about flexing. Maybe they think they are treating you to a meal you can’t afford just out of pure generosity. I just don’t think it’s good to assume what other people’s motives are without spelling everything out

[@anniealexander9616]

Give her my phone number. My oldest Brother was in dentistry. He saw that we had a lot. He also flexed that we wouldn't have it without him. He died in a car accident and everything went away. Don't know what you got till it's gone. Be grateful for what others provide. I've been a landlord since age 19. I've given my oldest kids free homes. I would like some recognition. I worked hard to give them things.

[@bonniehalf-elven]

@@svetlanadreher7190 I think it's pretty easy to tell someone's intentions, maybe not after one time, but if it's continuous, I would distance myself from someone like that, too.

[@svetlanadreher7190]

@@bonniehalf-elven No, not really, unless they speak out their mind or one can literally read people's minds which I doubt. Everything else is an assumption on your part.

[@ethanevensen3752]

I think it's funny how the hosts think it's flexing to put your credit score on a profile, and have no problem with debt free screams. What's the difference they think one is good and the other is bad. The flex is in the eye of the beholder.

[@eandrgoodwin]

Louis Vuitton purse? Ick!

[@momsnewlife1197]

Buying something just because it is on sale, even tho you do not need it. is and ick

[@RichardTouchfaith]

Some of my comments are along the lines of how I was raised poor and not book smart, but after a lot of sacrifice and steady saving and investing -- now we are rather Quite Wealthy. Trying to share it IS possible. Then comes the humble brag comments! ICKS!

[@staceysangillo808]

Suggestion: I just suffered sticker shock for the cost of my daughter's prom ticket ($105). Can we boycott proms now?

[@saversavvy2670]

Thankfully my son didn't have to pay for prom tickets. They had money raised to go to DC for eighth grade but because of covid it was canceled. So they used that money for juniors to go to prom for free. Woohoo! Tux though! Good grief $222.00!

[@KirsteinTherese]

Could you please cover tipping as a topic? Here in Europe, tipping are not as rigid in America. So I found it quite shocking that someone will take it the wrong way if you don't tip a minimum of a particular percentage.

[@bryan_witha_whyy]

It’s Very nuanced in the states. Like to a ridiculous degree. But it’s generally 15-20% of the total bill for anything service related.

[@karenjensen2345]

The only ick most people have against you is the absolutely no CC no matter what for morality reasons. Some of us pay them off monthly and only use them as a convenience and are still debt free no mortgage and driving only 1 car that is 12 year old Subaru.

[@vanillasunrise1]

Im with George on all the ick takes! I felt him on the password ick! Haha Rachel do better. Jk 😂

[@silvercityroyal]

mine is carrying a ton of cash with no wallet or money clip - how do you not lose cash

[@deb9806]

I hate when patients say they don't have their copay, no cash and have a wad of cards in their wallet. Are they all AARP cards? I do see the 15 or so cards at times and don't know why you would carry them all. An HSA card and one credit card should be fine.

[@BixieASMR]

I'd say absinthe is more aniseed-y than liquorice 🤔 sounds lush though

[@davidibarra892]

I will be waiting here!

[@michelleparks4582]

Rachel , your quiet moment in a call was the lady who wanted to know if she should sell her house and had her abusive bf right there in the middle of a situation. You were so stunned. George, of course, I thought of Katie as well😂 .. P.s. Kirkland King 🤴, did you know that Costco has PET INSURANCE?!?

[@Michelle_Westdam]

Bragging about the deals you get on things - "Ya, I bought that couch and it was 40% off!"

[@dagnabit27851]

Does George watch Girl In The Woods??? "She gone!"

[@angelgomez-tz6jr]

I'm DCAing in Blcktken300 as well. ETH heavier DCA and ALGO. I'm taking your advice and starting Google tomorrow with a 50 dollar purchase and continuing Microsoft and Apple. VTI and VOO on another app and longterm portfolio. Here we go family!

[@Raising_Arrowsx5]

After our son passed we bought a camaro as a memorial car for him. it was his dream car. we were nervious to let people know anout it cause of the judgment of others. same with our boat. noone knew we had a boat for months. i hate when we buy things and we get the must be nice comments.

[@andrea.givens]

Ick- people’s loyalty to banks and credit card companies. They don’t care about bleep about you

[@MichaelSavage-zq6gv]

Overactive venmo walks dangerously close to fraud with an ex friend of mine. Tried charging me for shit I didn't consume or want on his bachelor party trip. (Tequila I didn't touch, bison meat they ate before I got there, and coconut water I didn't drink)

[@calvinwebb8949]

I love this episode!

[@ivanmendez4399]

My Blcktken300 shorts are doing pretty well and I plan to hold much longer.

[@davidmilhouscarter8198]

The horse thing will never go away.

[@tink5337]

For the venmo, it also depends on where in your baby steps you are. I'm paying off debt. YOU BET I VENMO REQUEST EVERY PENNY from my friends. What they grab next time may not cost as much. I want to make sure I stay in my budget. But once I'm not having to penny pinch? I don't want to do that. I don't like doing it. But I need to rn.

[@mrmrwilem7849]

Love the show! Corpse Reviver 2 is amazing!

[@denisemckinney3973]

Thank you, George for the skin care advice 😅

[@merudevi]

Two things: 1) Rachel asking George for his HBOMax password ... I would have done a spit take had I been drinking something! 😂 2) I always Venmo my share of whatever immediately, I hate owing money to anyone! I have a friend who tries to pay for my meal before the check arrives, doesn't deal with cash or money apps so there's no way to pay her back unless I treat later. I feel very uncomfortable about this bc it's hard to keep track of how much more she's been paying over time.

[@heatherwhynot]

I don't understand the "doesn't deal with cash".. so you're telling me, this friend wouldn't accept your cash if you gave it to her?

[@merudevi]

Correct. No paper bills. Only pays for things with a card or her phone. Will not accept cash from anyone, and will not use a money app.

[@jenmies]

Ick- when people brag and are so proud of all the “free stuff” they earn from casinos…

[@TC2020-w8u]

I'm not sure that I would agree with you two being money "experts".

[@heatherwhynot]

Says the same person who just commented "10% for tipping!" 😂

[@DiegoHernandezdelprado]

That's a solid list! I'm also big on Blcktken300 , avalanche, algo, and matic too.

[@anniealexander9616]

Sometimes you have to flaunt wealth. I actually like working. I'm completely debt free including no mortgage. I've given my kids free homes. But I like to work. When my coworkers leave work early, call out, refused to do their job.... management gets they idea they can afford not to work. They leave 8 hours early but I stay and clean.( Fiber optics). While those guys were sitting on their behinds, management threatened to write me up and fire me if I didn't work harder and skip my breaks. My employer now knows I'm wealthy and they are potentially looking at a law suit.

[@bonniehalf-elven]

Document everything. Insist on emails, so you have it in writing.

[@Christdeliverme]

When people constantly need to redefine things with new buzzwords or slang. That slays...

[@retnuh1262]

My gut reaction financial ick is a 401k loan

[@bryan_witha_whyy]

I know plenty that must do that. MUST. It’s not ideal but I get it.

[@mrsh2167]

company policy not to discuss your salary with other employees, its ick.

[@DianaWodnoff]

People gagging without actually vomiting 🙄

[@mrsh2167]

referring to extra hours worked for more pay as a "bonus". Leading others to be jealous that they are not getting it. It is not a bonus

[@rebeccawebb6183]

@rachelcruze I have been influenced by you. I hadn’t been to a Schlotzsky’s in years and saw one on a road trip recently. I stopped, and it was delicious.😂

[@andrea.givens]

The background laughter 🤣

[@akshaysalvi-it-is]

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