Smart Money Happy Hour

Rachel Cruze (Dave Ramsey's daughter) and George Kamel bring the Ramsey financial philosophy to a younger, more lighthearted format with Smart Money Happy Hour. The show tackles personal finance topics -- budgeting, getting out of debt, saving for a house, avoiding stupid purchases -- but wraps them in humor and genuine banter between two hosts who clearly enjoy each other's company. Rachel grew up inside the Ramsey empire and brings a unique perspective as someone who was raised on Baby Steps from childhood. George worked his way out of $40,000 in debt and brings the credibility of someone who's actually lived the struggle. Episodes run about 40 minutes and cover a single topic per episode. They'll debate whether you should buy or lease a car, walk through how to create a monthly budget that doesn't make you miserable, or dissect trending money advice from social media to separate the good from the dangerous. The show uses a lot of listener-submitted questions and real scenarios, which keeps the advice grounded in actual situations rather than hypotheticals. The Ramsey DNA is obvious -- they emphasize cash over credit, avoiding debt at almost all costs, and living below your means. But Rachel and George deliver it with a lighter touch than Dave does. Less yelling, more laughing. If you like the Ramsey approach to money but want it delivered by a younger generation with a more casual energy, Smart Money Happy Hour is the Ramsey show built for you.