Your Money Habits Are Our Financial Pet Peeves—Let’s Talk! (With Jade Warshaw)
January 8, 2026
AI Summary
5 min read🎙️ The Voices & The Context
- The Format: Casual podcast chat with a rating game format—hosts and guest rate pet peeves (general and financial) on a 1-10 scale (1=tolerable, 10=straight to jail), interspersed with banter, sponsor plugs, and a "guilty as charged" segment.
- The Key Players:
- Hosts: Rachel Cruze (energetic, ranty mom vibe) and George Kamel (empathetic, humorous straight man); great chemistry full of teasing and shared laughs.
- Guest: Jade Warshaw, Ramsey money expert who paid off $460k debt in 7.5 years with husband Sam; known as "Dave Ramsey in a different font" for her bold, no-BS style.
- The Vibe: Fun, judgmental roast session—light-hearted tough love on money dumbness, with hilarious rants and relatable gripes; entertainingly educational.
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What you'll learn
- 1 (00:00) **🎙️ Introduction: Jade Warshaw**
- 2 (04:06) **Non-Financial Pet Peeves**
- 3 (11:14) **Financial Pet Peeve #1: Venmo Payments to Spouse**
- 4 (14:01) **Financial Pet Peeve #2: Debt + Daily $8 Lattes**
- 5 (15:48) **Financial Pet Peeve #3: Christmas Gifts for Adults (Especially in Debt)**
- 6 (20:49) **Financial Pet Peeve #4: Calling Tax Refund a "Bonus"**
- 7 (22:27) **Financial Pet Peeve #5: Even Bill Split After Salad/No Alcohol**
+ Full timestamped outline available in the app
Show Notes
📖 Order Jade’s new book, What No One Tells You About Money.
Are you guilty of these annoying money habits? In this episode, we sit down with Jade Warshaw to rant about our biggest financial pet peeves. Let’s get into it!
Next Steps:
- 🎥 Watch our video Dave Ramsey Answers Your Most-Asked Questions.
- 💵 Start your free budget today. Download the EveryDollar app!
- 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour.
- 📱 Submit 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.
Connect With Our Sponsors:
- Go to FAIRWINDS Credit Union for an exclusive account bundle!
- Get 20% off when you join DeleteMe.
- Get 20% off with code SMARTMONEY at Cozy Earth.
Today’s Happy Hour Special: 🍸 Tequila Old Fashioned
- 2 ounces reposado tequila
- 1/4 ounce mezcal
- 1/2 ounce agave nectar
- 2 dashes orange bitters
- 2 dashes black walnut bitters
- Orange peel (optional)
Instructions : Combine all ingredients in a mixing glass with ice. Stir for about 20–30 seconds until well chilled. Add a bourbon ice cube to a lowball or rocks glass and strain the drink into the glass over the ice. Express an orange peel over the drink by squeezing it to release the oils. Run the peel around the rim, drop it into the drink, and enjoy!
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