Surprising Money Facts Everyone Should Know

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You were “today years old” when . . . you learned about catch-up contributions, HSA benefits and the scam of genuine leather. Today we’re spilling all the tea on money (and life) lessons we learned too early, too late or right on time.
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Today’s Happy Hour Special
☕️ The BEST Espresso Martini Mocktail
Recipe: Entirely Elizabeth
Ingredients:
4 ounces cold brew concentrate
2 ounces heavy whipping cream
2 ounces simple syrup
1/4 teaspoon vanilla extract
1 pinch of salt
1 tablespoon cocoa powder
2 coffee beans
Ice
Instructions: Add cold brew concentrate, heavy whipping cream, simple syrup, vanilla extract and salt to a cocktail mixer and shake with ice. Coat the rim of a glass in simple syrup and cocoa powder. Pour coffee mixture into the glass. Garnish with coffee beans on top.
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[@nathanmrudd]

How about “I could care less”? People really mean “I couldn’t care less.”

[@dsmolks1]

💯

[@landonjoyner3760]

That has always driven me crazy

[@pmholli54]

In most cases, that’s true. But if you care some amount, you would be able to care less. (Theoretically) If someone says “I could care less.”, you could ask “How much do you care now and how much less can you care?”.

[@pmholli54]

Calve, halve, salve same pattern. Valve doesn’t follow the pattern.

[@cookshackcuisinista]

How about irregardless and unthawing the meat😂😂😅😅!

[@howellomaha]

If you think it is weird to learn that Picasso died in 1973, how about: 1974: The Equal Credit Opportunity Act With the passage of this Act, women were able to open a bank account on their own , and apply for credit cards in their own name, regardless of marital status.

[@denselypackedfancy]

When someone mispronounces a word, its likely because they learned it through reading (as opposed to hearing others say it in conversation) That’s never a bad thing! Reading is always a win!

[@MsZzz9]

Is the other way around lol

[@lrJ0Y7231]

Yes! @journey4us That’s why I pronounced segue wrong from age 10 to 21!! 😂

[@BarSalad]

@@MsZzz9no - you’re thinking of someone misspelling a word. You’d be correct in that case. They said mispronouncing.

[@MsZzz9]

@@BarSalad oh that’s right, English is a language that doesn’t facilitate learning pronunciation through merely reading a word, as opposed to Spanish for example

[@alexk7405]

When, at least, two things are compared to be EQUAL to each other they can be the same. For example, The Honda Civic is EQUILAVENT to the Nissan Sentra. There is/was logic on why said it wrong. 😉

[@lindawilson4625]

Blinker fluid was classic! Rachel has a good sense of humor :-) And we all knew what she meant by eyeglass thingy.

[@heycourtney]

“Could of” drives me nuts 😂

[@pmholli54]

It’s understandable though, if you say could’ve out loud, it sounds like could of vs could have.

[@pmholli54]

@AngieW-ri6qx could da, would da, should da. . .didn’t.

[@bilindalaw-morley161]

"Off of" is worse imo. Worse is that quite well educated, otherwise well spoken, people are using.😮

[@fsmoura]

@@bilindalaw-morley161 That's why I never let anyone get away with it... whenever it happens I make sure to make sure everyone's day is ruined with a long a reprimand, so they learn their lesson 👌

[@christinehopping5040]

I love espresso Martini. I named my pet chicken Eggspresso Marini.

[@TheColleendoll]

The oven drawer we called it the bun warmer, keep breads & foods warm before the meal. Tried that in a gas stove with giant bowl of mashed potatoes...gas flame=top of potatoes caught fire. I went to a job interview as a teen and they asked me to read sets of words. Most people did not know the word Mischievous. I did so I got the job.!

[@bonniehalf-elven]

Yes, there is a big difference between the use of that drawer in an electric stove vs. a gas one.

[@Trustbutverify2651]

Best way to keep mashed potatoes warm is in a crockpot. Also good for keeping gravy warm. I have them in several sizes!

[@TheThreatenedSwan]

I'm shocked they can get away with those quasi-IQ tests though they ought to be able to

[@ambivertical]

The Fraction and Genuine Leather blew my mind.

[@JamesTheHumbleSupplanter]

I swear Rachel said “Ketchup Contributions” 😂😂😂

[@whobeyou5342]

It's the middle Tennessee accent

[@fsmoura]

Yeah, she totally botched it, in that case it would of been "mustard contributions."

[@ErnestinaObeng-zo2di]

It’s the southern accent 😂

[@ST-ue5fb]

@@fsmourawould "have", not of

[@amanda.c.ice.]

I was 25 years old before I learned you can open up the stovetop to clean under the burners. I remember being amazed by that then! 😂

[@meve531]

The Picasso thing is still blowing my mind 😮🤯

[@tduck828]

Sameeeee! I had no idea either!! I thought he died wayyyyy before the70s!!

[@nysteelhorse]

Because most photos of him are in black and white. People think, B&W old, forgetting they're looking AT PHOTOS!

[@natashakarek9419]

Agreed!!

[@ssheaff]

The snarky Bostonian and the Wholesome southern bell. Keep up the good work.

[@autumnjerene]

George, vinegar is also a natural fabric softer because it helps prevent minerals in the water from being deposited on your clothes. Regular fabric softener just applies a coating of chemicals to your clothes and towels that cause them to become waterproof over time and lock in stubborn stains.

[@Trustbutverify2651]

And it’s a natural disinfectant. Have used vinegar as my fabric softener for years. The slight vinegary smell disappears as the clothes dry. Also use a 1/4 C of Borax in each wash for softening. Does not harm colors but really makes whites shine if used regularly.

[@EcomCarl]

I love how Rachel and George dive into topics that blend everyday knowledge with money insights! It's essential to stay curious and keep learning, especially when it comes to managing finances. 💡

[@Krinbo]

1:23 that judgemental gaze from George is the best

[@melindastimpson9014]

Speaking of pickles and raisins, you didn't mention prunes, which are dried plums. :)

[@suzboeh633]

I did not know until 2020 that dishwashers come with removable filters that you should regularly remove and wash. At that point I had owned various dishwashers for about 40 years. And George, do not worry, apparently salve is pronounced without the L in American English but the Brits do say it with the L. And I was today years old when I learned this thanks to you.

[@giggle1971]

Picasso had a thing on Sesame Street in the 70’s. He painted something on glass. I feel unreasonably proud that I knew he died in 1973.

[@rnewland89]

Lol well if we had been alive and not babies we probably would have known too

[@hollybingeman2290]

I said "handy downs" until corrected when I was in college and was told it's "hand me downs" 🙈🤷‍♀️😂 they both make sense but my mind was blown 🤯

[@Trustbutverify2651]

And parents who finish wearing clothes their kids have discarded are wearing hand me ups!😂

[@ladyjoyarcher1187]

SO glad states are requiring finical courses now. Millennials& gen zs i know ALL wished we knew about budgeting& cupon clipping; being intention, all the scams& types of debt& how to avoid it. Did NOT know about the vinigar in laundry, nor the lemon in the dishwasher! Thats great! All natural,& $ saving!

[@Namdrahsirhc]

"Hold on, let me unblock your number" was diabolical😂

[@TheRealFrostysaur]

Be there or be square meaning is mind blowing for me.

[@ghostbird92]

I hate when people say "I could care less." That could mean they care a whole lot.

[@cheryl8705]

George referencing the old school Honeycomb cereal commercials just made my day!

[@Krinbo]

The word “alphabet” is just the Greek letters alpha and beta squished together. Laziest word in the world.

[@BixieASMR]

My friend thought MJ was asking if 'Eddie' was ok for years 😂 when I told her it was Annie she was like what?

[@blakeharrison3972]

When I was growing up I always said Pacific instead of specific, my friend’s mom sat me down and helped me

[@tressalewis7004]

You guys are one of my weekly staples!❤❤❤

[@cocoabeachcbbc1458]

Spontenuity…. Annuity… I think I know where you got it. To be fair, my kids have an excellent vocabulary, and, like me, a lot of what they learned was through reading, which, like me, caused some funny pronunciation issues. My absolute favorite was my daughter talking about chowse. It kept coming up, and we finally figured out what she was talking about when she spelled it out for us “C-h-a-o-s”. Our amusement did cause a bit of chowse in our house.

[@fsmoura]

Or, maybe... she was subtly criticizing your wife's cooking: _"Man, the chows in this house are awful!"_

[@janethms3]

😅

[@gayle2276]

It's a little scary some of the things you two don't know. 😅 I'll have to call George out, he didn't know pickles came from cucumbers. 😅😅 what did you think you were eating. Hmmm. Love watching you two. You're both very down to earth. Keep them coming you two.

[@sliceofpay]

People say irregardless a lot when they mean regardless 😆

[@terrywicker2448]

Regard = matters Regardless = doesn’t matter Irregardless = matters or matters even less???

[@whitneygaro8427]

"Have your cake and eat it too" was originally "Eat your cake and have it too"... Which makes WAY more sense, so that is how I say it now!

[@haleyherndon9081]

My husband worked for an appliance manufacturer and he said one of the worst things you can do is put vinegar in (washer/dishwasher)because it may erode the tub lining. 🤷🏻‍♀️.

[@nysteelhorse]

I'm not sure that applies to stainless steel tubs. I'll have to research this.

[@christinejeter3922]

I love hearing the crew in the background laugh

[@Sahmgirl]

The L in salmon is also silent, but I hear people in South say "saLmon" all the time! Drives me nuts!!!

[@Krinbo]

The word for a cloth covering in 14th century French was naperon, but referring to it in English as “a napron” led to people spelling the term as “an apron” instead, eventually moving the n out of that word for good.

[@nysteelhorse]

That's cool. I'm 62, and this is the first reference/correction I've seen on here that I didn't already know from childhood.

[@autumnjerene]

Rachel, you can add Sprite to your flower water to keep them looking fresh longer. My hubby knows to bring me a bottle of Sprite when he buys flowers for me.

[@BixieASMR]

Yes my mum always added flat lemonade!

[@963janet]

A sprinkle of sugar works, too.

[@mademoisellesura]

I’ve said it before, and I’ll say it again…I just want Rachel to be my BFF. So great! HaHa.

[@KelliJ_]

Very late to the party but now am binge watching all of these episodes. I don’t drink anymore so I really appreciate the mocktails!! ❤❤ thank you!

[@ruthsteidl1413]

First time commenter here. As a thirty year fifth grade math teacher, I love knowing that the division sign is to replicate a fraction. The idea of a fraction as a division problem is something I introduce the first weeks of school and reinforce regularly. Nevertheless, as we have been reviewing the last few weeks, some students still falter on this. I'm hoping that using this idea is going to help reinforce this next year! I wanted to mention have really appreciated in past episodes when Rachel mentions teachers in such a positive way. That positive perspective is becoming rare these days and warms my hear to hear it. I love Smart Money Happy Hour - both George and Rachel - I discovered it a few months ago and think I've watched most of the back video episodes. :) One more thing I just thought of because of the previous commenter. Growing up, we used to say things like, "we need to unthaw some beef for dinner." At some point someone in my family realized that would really mean we were freezing it, and the proper term would be to just thaw it. I'm not sure if that was just my family or a widespread misuse of the word thaw/unthaw.

[@Xavier-vo8xg]

Not me sending “pew pew” to my wife lmaoo 😂

[@rachaelgoertz5404]

We got rid of pennies in Canada because of the cost!

[@nysteelhorse]

One that bugs me... "Cut and Run". Cut and run is a GOOD thing. It's a nautical term used when a coming storm is so dangerous it's better to cut your lines and head out to open water ahead of the storm (run), using the storms energy to build speed (when sailboats) and hopefully be able to ride it out rather than being bashed against the dock or beached. It killed me to hear so many Congressmen use it wrong! (Remember the John Kerry thing! )

[@sabrinaargueta6775]

Thank you for this episode! I'm super new to finances and when you dumb it down it's even better! Lol I love you both! ❤

[@fatty-mcbutterpants]

The problem with HSA's is they charge you an admin fee if you are self employed. The account slowly drains when you don't go to the doctor, because you can't afford to pay the out of pocket. You have to plan to be sick on a regular basis to have an HSA and it be worth it. Do I scrap the HSA and save my money at the "Bank of Me" to make it worth it?

[@baleslydia2009]

I'm glad you clarified because I literally envisioned tons of Ketchup😂😂😂

[@MAXLevel-russianbarrier]

15:40 That’s why here in Canada they stopped producing pennie’s for that exact reason

[@Trustbutverify2651]

pennies

[@CoachChrisCannon]

Great video and things we can all relate to... It's hard to find the truth until you abandon your agenda!!! The greatest success in life, is on the other side of the false beliefs that we keep trying to prove to be true!

[@andhern85]

Oh my....the division thing...blowed my mind!!!!

[@joygarrett8397]

What’s sad is that the Feds took away the deduction for $$ spent on financial planner fees a few years ago. Was a big hit to me when I was itemizing . . .

[@MAXLevel-russianbarrier]

Listening to this at work when a new episode drops is a vibe

[@melissalee1709]

I love the fact that more schools are requiring finance courses. As a teacher, I wish I had had the opportunity to take a course. My parents were VERY frugal out of necessity as missionaries and didn't use credit cards for anything, but as a teen and young adult, I thought I knew more than them 😂😢.

[@nysteelhorse]

I was lucky. My HS had an intro to accounting class elective and our teacher said the way to wealth was a CPA with a law degree!

[@sandrayates4645]

I would always say ‘nip it in the butt’ until my daughter’s pediatrician laughed at me and told me it was ‘nip it in the bud’! I still find myself saying wring by habit. :D

[@je11omo]

SAMEEEEEEEEEEEEEE!!!!! Hahahahah!!! If you ask me, BOTH make since. Butt makes a little more sense, but oh well. LOL!

[@fsmoura]

This is actually a linguistic phenomenon called _eggcorn._

[@tanyaguryel9875]

You guys are hilarious. I love this program.

[@korikauffman8286]

I have heard ValentiMes Day more and more; plus marinaTe your meat in marinaDe, not marinade for both the noun and verb.

[@cristinaiswatching]

Lol I did hear that as ketchup! The clarification was 100% necessary here

[@lorirusert7264]

I loved DECA, went to state competition.

[@pdxmusl1510]

When i was 16. A coworker was going to get her oil changed. I convinced her that blinker fluid was real 😂😂😂. The place she went to get the oil changed laughed at her. She was so mad at me 😂😂

[@Resolve_DigitalMedia]

Would love if you guys did a show with guests! I recommend Dr. John as the first one!

[@merrittfamily1269]

Picasso being part of the Renaissance 😂😂😂

[@BrittShipley]

This episode is so educational!! Mind blown

[@loriloretta3838]

White vinegar in the laundry, yes! Use instead of fabric softener. Much cleaner ingredient!

[@averynmitchell]

22:57 Oh wow, I didn't know that was the correct way to say mischevious! I thought the wrong way was the right way haha

[@averynmitchell]

1:06 Ooo I want an espresso martini mocktail!

[@denisebolin-clark8826]

This was one ofy favorite episodes for some reason. The penny fact really got to me for some reason.

[@ConradsGarage720]

The background laughs make it so much funnier

[@src4409]

I bought my first house at 18 working 2 jobs that maybe paid what a teacher makes, combined, and i never took a personal finance class... my parents were my teachers.

[@MikeMisiura]

The way the Picasso question was asked made it sound like he was more recent than people thought. Therefore, I guessed 1902😂

[@rachelanderson3147]

Can't wait to hear the show. 🎉

[@AviSpira]

Love learning new things especially about money 😄

[@Kelsey.Ann.Taylor]

Please keep doing old trends, this was awesome 😂

[@brentkillian]

I would love if Rachel did a conspiracy theory channel

[@miapestano766]

I took Foundations of Personal Finance in my senior year of high school!

[@Trustbutverify2651]

Personal finance and economics is a graduation requirement in Virginia. Don’t know that taking it changes behavior. Kids still want what they want when they want it. But they can’t say they haven’t been told.

[@mariavandenheuvel1199]

You definitely missed V R B O Which I learned as well in a prior episode 🤣

[@cookfamily6141]

😂😂😂 YES!

[@jdonehew]

Apparently neither of you have ever heard the album ‘Band on the Run’ from Paul McCartney and Wings - released in 1973. Track #9 Picasso’s Last Words. 😀

[@manuelahill-valbuena9251]

This is the funniest episode ever!!!! I loved it

[@alisons9740]

20:50 SAVe! 🤯 Yep, today years old.

[@lillithdv8]

English is my 3rd language and as a child/teenager tricky words: - Vowels : A, E, I -> sometimes I still need to quietly sing abcdefg to make sure I’m spelling words right - LYRICS -> Lie-Rick vs Lee-Rick or SNAKE vs SNACK or KITCHEN vs CHICKEN -> drove me nuts

[@nochannel787]

My favorite money team!

[@Jaszi007]

20:55 No it’s saLve not save or sahve its salve as in SALVage your hands or surface your using it on. Peepull hav led u uhstray😅 22:48 smh that IS correct though, we’ve just simplified it over time. It’s Wednesday it went from sounding like wed-nz-day to whenzday.

[@SLstunts]

"Just cause I'm smart!" "UGHHHHHH" 😂

[@carlaritchie331]

TLDR, thanks George & google for teaching me a new acronym.

[@averynmitchell]

7:49 "The bottom drawer of an oven is to heat up plates" 🤯🤯🤯

[@CathRas95]

Or to keep a dish warm while another dish is baking

[@jasperflontes4289]

My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to take risks. Saving is great but taking risks puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.

[@ivarlast2966]

I think she trades for everyone I meet. I met her twice at a meeting in Germany and after her lectures from Ella I had to personally ask her to be my financial advisor. she is definitely good.

[@leticiaenraz8514]

I have never seen a trader as open and transparent as Larysa Caba with her clients. The way she decides to make a profit for her clients. she allows you to express your fears and she still rests your fears and that is my respect. I don't normally comment on videos, but this word should be included. she is really cool.

[@annddyyy-6920]

I just looked up her name online. she is licensed with credible certificates and has an amazing track record. Thank you for the message.

[@leticiaenraz8514]

I feel this is quite an easy one. You already have her name which makes it easy for you. Just look up her name online. I’m sure you will come across her. That’s how I found her too.

[@leticiaenraz8514]

You can also find her on

[@allisonvanwert8209]

Speaking of Ketchup, you will notice bottles of tomato ketchup always say "tomato ketchup" because ketchup doesn't have to be made with tomatoes.

[@rachelanderson3147]

Rachel I didn't realize the Picasso thing either!

[@mmmw0824]

Going along with “pew pew” if you send congratulations or happy birthday it will add the effect of confetti and balloons

[@elisemedina2237]

Calling someone a dime means they’re a perfect 10.

[@chandratolman6680]

I’m with Rachel on how old I thought Picasso was too!! I thought the same as her

[@IAmDeGroots]

I realized it was possible Picasso watched MASH (the TV show) and my world was shook. I also thought Picasso was at least a century (or two or three) ago.

[@KA-md4zb]

I can't stand when people say "irregardless," that is not a word.

[@kuebby]

How could Rachel and George be that age and not know what dime means? There was a 6-month period when "I need a dime, that's top of the line, cute face slim waist with a big behind" was on all the time on the radio. My current job is the most I've ever lost from my check because I've never actually had a retirement plan through work before. My net pay is like 60% of gross.

[@joliechabot7489]

The dime thing 😂😂😂 I'd be like "you calling me a 1/10?"

[@averynmitchell]

George: "Hand salve" Me: "What is that?'" Rachel: "I would have just said lotion" Me: "Me too, thank you for validating me" 😂

[@Bagley2014]

When George said 1972 I thought he was intentionally saying something completely wrong as a joke...

[@Sahmgirl]

Picasso was not of the renaissance. He was a cubist, a modern art form.

[@Yates000014806]

‘Could’ve’ is a word

[@beckygeer6480]

But not could of

[@to1620]

Yes, but it’s a contraction of the two words “could have” and not “could of”.

[@Yates000014806]

Ahh. I had no idea what she was going on about 😂

[@katherinefellman9676]

People write could of because they don't know that it's the contraction could've.

[@stevenrburgoyne]

7:53 That is not always true about the oven. Read the manual. Some are actually legit storage.

[@AB-sj3tl]

Love the show. Where is producer Lyndsey? Hope she is doing well.

[@debg8622]

Besties! Love watching you both:)