Some “toxic traits” are funny––like hanging up your clothes inside out or buying kale aspirationally. And then there’s the less funny kind. ☠️ ⚠️ Join Rachel and George as they attempt to find the line between a harmless quirk and a truly toxic money mindset.

In This Episode:

• Rachel, George and a LIVE audience getting real about their own toxic money traits
• A play-by-play of how to set boundaries when you know your friend’s toxic money trait is “splitting” a very one-sided bill
• The celeb comedian who called George a “sad idiot child” on Twitter back in the day

Helpful Resources:

• Start making memories. Go NOW and get Tapple at Walmart or wherever you buy board games!
• Booking a flight with Going is the best and simplest way to pay less to travel more. Sign up for free today at Going.com/smartmoney.
• Get your finances organized, make a plan, build your confidence, and kick money stress out of your life for good with the EveryDollar budgeting app. Go to www.everydollar.com/smartmoney to get a free two-week trial and $15 off your premium membership to EveryDollar.
• Do you have 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.
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Black Tea Sour
• 2 ounces chilled black tea
• 3/4 ounce lemon juice
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• Dash of black pepper
• 1 egg white
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• Orange slice (to garnish)
In a cocktail shaker, combine all of the ingredients except ice and shake well. Add ice and shake again. Pour through a fine strainer into a chilled coupe glass.

Pull up a chair to the happy hour you wish your friends were having. Mix two money experts with some hot takes and a splash of nostalgia, and you get Rachel Cruze and George Kamel talking unfiltered about what’s going on in the world, pop culture, and how to afford a life you love.

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5 Toxic Traits That Are Coming for Your Money

We all have certain habits or traits that can have a negative impact on our finances. Whether it’s overspending, impulse buying, or simply not saving enough, these toxic traits can lead to financial stress and hardship. Being aware of these habits and actively working to change them can help you secure a more stable financial future. Here are five toxic traits that could be coming for your money:

1. Impulse Buying
Impulse buying is the act of making a purchase without careful consideration or planning. This can happen when you see something you want and buy it immediately, without thinking about whether it fits into your budget or if it’s something you truly need. This kind of behavior can quickly add up and lead to unnecessary debt and financial strain.

2. Overspending
Some people have a tendency to overspend, whether it’s on luxury items, clothes, gadgets, or dining out. Overspending can lead to living beyond your means, and can make it difficult to save money or build a financial cushion for unexpected expenses.

3. Living beyond your means
Living beyond your means refers to spending more money than you earn, and can lead to accumulating debt. This can happen when you consistently spend on credit without having the means to pay off your debt. It’s important to track your income and expenses, and make sure that your spending is within your means.

4. Procrastination with savings
Putting off saving money for the future can have serious consequences. Whether it’s for retirement, emergencies, or large purchases, procrastinating with savings can leave you financially vulnerable. It’s important to make saving a priority and to start as early as possible, to take advantage of compound interest and ensure a more secure financial future.

5. Not having a budget
Without a clear budget, it’s difficult to know exactly where your money is going. This can lead to overspending, living beyond your means, and not saving enough. Creating a budget can help you take control of your finances and ensure that your spending aligns with your financial goals.

It’s important to be aware of these toxic traits and to actively work on improving your financial habits. By being mindful of your spending, saving, and budgeting, you can take more control of your finances and build a more stable and secure financial future.