Smart Money Happy Hour with Rachel Cruze and George Kamel sponsors and ad reads

But every dollar, our budgeting app, you love the gas apps. Every dollar does help. It's our budgeting app. And yes, whether it's the gas line item or the Costco line item or the bulk or the groceries, like whatever you're doing, it does help you. Yeah. really kind of solidify, okay, where can I take some convenience or where do I need to be more frugal, right? Because sometimes those choices really do help. And it frees you to go, okay, I know gas was expensive, but I budgeted for it and I knew that I was going to spend 250 bucks in gas this month. And it's there. So you don't have to feel guilty because you just knew it was going to happen. You planned for it. I had a time with every dollar.

But one thing I do think about though, George, is how much our identity is online. And that's why I love and we use Delete Me because they go in and actually remove your data from data broker sites. So that's what's wild is how much our data is scattered, like our email addresses and home addresses and phone numbers and kids' names, like all of it's out there. And when it sits on these data broker sites, Delete Me, they have a team of people that literally go to these sites And delete you off the internet. It's amazing off those broker sites. And you could try to do it yourself. It would just take forever. And you have to constantly monitor it, constantly make sure that they removed it. And so Delete Me does all the legwork for you and sends you a custom report showing you all these different sites that your information was on, what info was there, when they removed it. It's always weird, sketchy sites too. How do these sites exist? Peoplepeople.com or something. You're like, wait, what? Creepy people people. Yeah, even if you're not Rachel Cruz, I mean, the average person's info, like, they don't care who you are. They will target you if they have your info and use it against you for scam, spam, phishing, fraud, all of that. So go check out Delete Me. It's an awesome subscription to have in your toolbox, and you can go to joindeliteme.com slash smartmoney and get 20% off their annual plans.

You're mixing all the things we want in a bank, and that is Fair One's Credit Union for me. They're the Goldilocks. They are. It's like, okay, it's everything you want. You want nice people. You want people on your side that are like, hey, actually wanting you to win financially. What a concept to put your money with people that are actually fans and like, hey, I want all of you all to win. They make it easy and accessible. And they have a cute debit card. Can I say that? That helps. Aesthetic does matter. And I like the actual services they provide. There's like 33,000 fee-free ATMs. You can use the ATM finder, even credit unions. Someone said, hey, they're based in Florida, but they're a national bank, and so they partner with thousands of credit unions across the country. So there's one right down the street. I can go in if I need to do a personal in-person transaction. Do something there, yes. So they've thought of everything, and it's just super easy. And that's what you want. When you're trying to win with money, make it easy for me. Absolutely. And they have a great deal for our listeners, George. Yeah, the Smart Bundle, no fee checking account, high yield savings, that Ramsey-themed debit card. Go check it out, fairwinds.org slash Ramsey.

Money Finder Challenge. So this is something people can do. A hack that is tried and true. Yeah. And you actually can like fill it out, go through it. And people on average are finding $400 in their budget. So this is a frugal hack for sure to check out. If you need some margin, we'll put the link in the show notes and check out the Money Finder Challenge. We created it for our frugal friends out there who were like, listen, I don't want to have to do a ton of work, but help me find some money that's already existing in my life that I can find. And the Money Finder Challenge is it. We'll leave a link in the description so you can start finding that hidden cash ASAP.

I always go to Cozy Earth for those because it is just spot on. And actually with Cozy Earth, we created a George and Rachel, two separate bundles. I didn't know we could do this. And they were like, yeah, we'll let you. Y'all, I am, I'm so excited. So I picked out my favorites. So mine is the Lux Bath Sheets. So it's not just the towels, it's the sheets. which are bigger and they are luxurious and soft and beautiful. And then of course the bamboo pajamas, the sets, so top and bottom love. And then my bamboo kimono robe. And so this is like a lightweight, Beautiful robe. So that's the Rachel. That's the Rachel set. That's great. And my bundle includes the lake house clog. And then so I've got the clog and then I have the first layer pajama short sleeve and tee set, which Whitney was like, whoa, okay. And I was like, what can I say? I'm cozy earthed out. And then I added this one because it's just very me. The calf sock four pack. Oh, you love a calf sock. I love a sock. Yeah, but you usually do a no-show sock, George. Well, here's the truth. I realized I am out of touch. So I thought, let me give the people what they want, which is a calf sock. Yeah, those are popular. And maybe it'll convince me to get rid of the no-shows. But I love my Cozy Earth no-shows too. So these bundles, they're letting our audience get 40% off. of these bundles. So if you want to live like Rachel, look like Rachel, or if you want to live like me, but if you do, the bundles are available at CozyEarth.com slash Smart Money. And again, you'll get 40% off our exclusive bundles. This is a limited time offer, so be sure to get yours while supplies last. And if you get the post-purchase survey, let them know that Smart Money Happy Hour sent you.

But the truth is, no matter what iPhone version you have, always invest in protecting your personal info online with our friends at Delete Me. Yes, protect that information. Maybe not your iPhone, like some people, but protecting your information. It's a physical object, but the unseen is even more dangerous. So scary. And in 2026, how much our information is out online and data brokers collect that data and they end up selling it to other companies. And that puts you at risk for scams and fraud and phishing. And so Delete Me goes in and removes your information from those data broker sites. Yeah, and that reduces your exposure. It limits unwanted contact and you regain a sense of control over your digital life. So it's well worth it. And I love the report they send you every couple of months letting you know where they removed your info from, how much time they saved you. And just for our audience, you can get 20% off their annual plans when you go to joindeliteme.com slash smart money. It will be the greatest investment for your digital privacy. So beautiful. Yep. Joinsleteme.com. It is amazing.

But I do find whenever I am out and probably at the head spot tomorrow, George, I'll probably pay with my Fairwinds debit card. Are you going to do it with a magic wand? Have you seen those? Yeah, I want one so bad. The star wands where they put their card in it? Yes, I love it. Oh my gosh. But Fairwinds Credit Union, you guys, is amazing. So they actually have a smart bundle for all of the Ramsey listeners out there. And so you can have a no fee checking account, up to 10 high yield savings accounts, and the Fairwinds Ramsey account. debt as normal be weird debit card which we love and all together it is it we love fairwinds we were just switching money around the other day putting money it was in the savings it's nice it's connected into the into the checking and like all of it it's great you can have the 10 savings accounts and so you can be moving that money around for your goals and for all these things that you want to purchase it's nice to store it somewhere that's earmarked for it and so fairwinds helps you Yep, you guys, so make sure to check it out. Whitney and George use it. Rachel and Winston use it, and we love it. It's so freeing to just use your own money, and you don't feel guilty after. It's the best. So go check it out. Go to fairwinds.org slash Ramsey. We'll also drop the link in the description.