'Dr. Christopher' pioneered quantum medicine in 1991 and is publisher of the Heartcom Network, culturing Net reality in our global village with quantum science as it relates to the Golden Rule-Law Language of LOVE in "form" (spiritual geometry) and "frequency" (heart coherence). As the producer and host of Cosmic LOVE since 2007, Christopher has interviewed numerous guests ranging from Lynne McTaggart and Dan Winter to Foster Gamble of the Thrive Movement. Recent years have focused on galact ...
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The Emergence Of Net Reality Podcasts
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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Critiquing Your Spending Habits (and Ours) With Dr. John Delony
58:55
58:55
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58:55📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out. We’ve got a doctor in the house today, friends. In this episode, mental health expert Dr. John Delony gives Rachel and George some financial therapy, plus shares his hot takes on your money and relationship questions. Next Steps: 🛒 Check out John Delony’s…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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📈 Are you making these 4 common investing mistakes? Get our free Investing Guide and find out. Justin Baldoni and Blake Lively, McDonald’s hot coffee, Gwyneth Paltrow on the slopes—we’re breaking down the most infamous (and expensive) lawsuits in pop culture history. After running the numbers, were they really worth the cost? Tune in to find out! N…
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Baby Q&A: Costs, Essentials and Honest Advice
49:47
49:47
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49:47💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan. Is there ever a financially “right” time to have a baby? In this episode, Rachel and George answer your biggest money questions about starting a family and rais…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Red Flags That Scream, “I’m Bad With Money”
47:36
47:36
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47:36💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan. You can’t judge a book by its cover, but can you judge someone’s ability to build wealth by their financial habits? In today’s episode, Rachel Cruze and George …
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Our Unfiltered Takes on Your Real-Life Money Dilemmas
37:58
37:58
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37:58💰 Which side hustle is right for you? Get personalized recommendations from our Side Hustle Quiz. https://ter.li/8u8nzi 📈 Are you on track with the Baby Steps? Get a free personalized plan. Today we’re answering your real-life money questions! In this episode, Rachel and George listen to your voicemails and share their hot takes on everything from …
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How Does Your Net Worth Compare to the Average American?
46:55
46:55
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46:55📈 Are you on track with the Baby Steps? Get a free personalized plan. Does your current net worth feel like a power move or a bad punch line? In this episode, Rachel and George break down how what you’ve got compares to the average American by age and why it matters for your future. Next Steps: 🎥 Watch our video Do We Have It Harder Financially Tha…
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Is Gen Z Financially Doomed? Let’s Talk About It
42:40
42:40
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42:40📈 Are you on track with the Baby Steps? Get a free personalized plan. Is it harder for Gen Z to get ahead with money compared to other generations? In this episode, Rachel and George break down what’s working for and against them—plus answer Gen Z’s biggest questions about how to win financially. Next Steps: 🎥 Watch our video Dave Ramsey Answers Yo…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Everyday Middle-Class Luxuries (That Are Low-Key Bougie)
45:01
45:01
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45:01📈 Are you on track with the Baby Steps? Get a free personalized plan. Anyone else feel like being middle class is making a comeback? In this episode, Rachel and George talk through why this is happening, plus invite you to play along as they react to the internet’s favorite“middle-class luxuries.” Next Steps: 🎥 Watch our video Things That Scream “I…
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We’re Talking America, Freedom and . . . Finances?
46:22
46:22
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46:22📈 Are you on track with the Baby Steps? Get a free personalized plan. Ever wonder how we went from using gold coins to dollar bills? In this episode, Rachel and George celebrate America’s birthday by unpacking the wild history of U.S. currency and testing your knowledge with some fun American money trivia. Next Steps: 🎥 Watch our video Unique Money…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Reacting to the Most Unhinged GoFundMe Campaigns
40:53
40:53
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40:53📈 Are you on track with the Baby Steps? Get a free personalized plan. Is starting an online fundraiser for yourself so you can go to Yoga Teacher Training really cringy or kind of genius? In this episode, Rachel and George react to the wildest GoFundMe campaigns out there. Plus, find out why giving is actually the most fun you’ll have with money. N…
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Is Anything Actually Cheaper in 2025? Let's Find Out!
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47:08
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47:08📈 Are you on track with the Baby Steps? Get a free personalized plan. Inflation is real right now . . . but we do have some things going for us. In this episode, Rachel and George reveal which things are cheaper now than they used to be, plus which purchases you can make that hold their value. Next Steps: 🎥 Watch our video What Will It Cost to Live…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Tactful or Tacky? We’re Judging the Wildest Frugal Wedding Fails
37:41
37:41
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37:41📈 Are you on track with the Baby Steps? Get a free personalized plan. Swapping sparklers for potato flakes for a budget-friendly wedding send-off might seem smart—until you end up covered in mashed potato. In this episode, Rachel and George react to real “frugal wedding fails” and share their take on what’s actually worth the money when planning yo…
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We’re Here to Judge Your Guilty Pleasures (With Love)
42:44
42:44
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42:44📈 Are you on track with the Baby Steps? Get a free personalized plan. Could your guilty pleasures—like fancy water or a fresh manicure appointment—actually be keeping you broke? Find out in this episode as Rachel and George reveal their own “guilty pleasure” purchases, plus react to some of yours. Next Steps: 🎥 Watch our video “Harmless” Purchases …
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We live in an energetic and dynamic, Miracle Universe that not only responds to our outlook, but is explicitly designed to do so. Discussing 3 recent newsletters: May 31, 2025 How Our Miracle Life Will Manifest May 26, 2025 / New Moon Memorial Day Reality Report May 20, 2025 Calley Means - Tip of the Spear…
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Are You a Quality or a Quantity Person? (And How That Affects Your Money)
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40:24
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40:24📈 Are you on track with the Baby Steps? Get a free personalized plan. Would you rather buy one pair of expensive designer shoes or get five cheap pairs in every color? In this episode, Rachel and George make their case for quality vs. quantity, plus help you decide when it’s best to splurge or save. Next Steps: 🎥 Watch our video “Harmless” Purchase…
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’90s Status Symbols That Screamed “We’re Rich!”
42:03
42:03
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42:03📈 Are you on track with the Baby Steps? Get a free personalized plan. From Abercrombie jeans to Juicy Couture tracksuits, some things just felt fancier in the ’90s. In this episode, Rachel and George invite you to play along as they reveal the price of nostalgic status symbols and decide if they’re still worth the splurge today. Next Steps: 🎥 Watch…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Reacting to the Wildest “Am I the Jerk?” Reddit Threads
34:56
34:56
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34:56📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk. Next Steps: 🎥 Watch our video Things That Scream “I’m Pretending t…
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We Dedicated an Entire Episode to Respond to the Haters
45:26
45:26
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45:26📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever left a comment on this show saying we’re out of touch, totally wrong or just plain crazy—we see you! 😅 In this episode, Rachel and George react to the hottest takes from our comments section to see if any of them might have a point. Next Steps: 🎥 Watch our video Ex…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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The DUMBEST Things People Actually Spend Money On!
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41:02
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41:02📈 Are you on track with the Baby Steps? Get a free personalized plan. Dropping $10 on latte art . . . Waste of money or totally worth it? In this episode, Rachel and George call out the dumbest things people spend money on, plus you’ll find out what questions to ask next time you’re tempted to splurge. Next Steps: 🎥 Watch our video Frugal Fails Tha…
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Disney Reality Check: The Good, the Bad and the Magical
45:37
45:37
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45:37📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re willing to go into debt for limited-edition Mickey Mouse ears 🐭 . . . it’s time to stop the madness. In this episode, Rachel and George reveal Disney adults’ top hacks so you can enjoy the most magical place on Earth without breaking the bank. Next Steps: 🎥 Watch our vi…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Putting Our Financial Knowledge to the Test (With Special Guests!)
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36:25
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36:25📈 Are you on track with the Baby Steps? Get a free personalized plan. Today’s special guests may not be old enough to drive a car, but they’ve got some serious money chops. In this episode, test your knowledge as Rachel and George quiz each other (and the Cruze kids!) on personal finance. Next Steps: 🎥 Watch our video Surprising Money Facts Everyon…
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📈 Are you on track with the Baby Steps? Get a free personalized plan. If buying a house feels impossible, you’re In this episode, Rachel and George tackle your biggest housing questions and reveal which home upgrades are at the top (and bottom) of their list. Next Steps: 🎥 Watch the video “Harmless” Purchases That Drain Your Bank Account. 🏠 Pay off…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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The Internet Came for Us . . . Here’s Our Response
39:49
39:49
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39:49📈 Are you on track with the Baby Steps? Get a free personalized plan. “Does George Kamel even know how much things actually cost?” In this episode, Rachel and George react to savage comments and defend their controversial money takes with facts even the haters can learn something from. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financi…
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Make It Make Sense: Calling Out Money Double Standards
36:43
36:43
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36:43📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’d happily drive an extra 10 minutes to save 10 cents a gallon on gas—no judgment! In this episode, Rachel and George confess to money habits that don’t always make sense. Plus, they share what it means for you if you can relate. Next Steps: 🎥 Watch our video Revisiting Our…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Side Hustles That Are (and Aren’t) Worth It
44:34
44:34
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44:34📈 Are you on track with the Baby Steps? Get a free personalized plan. Whether you’re a weekend DJ or assembling boxed furniture, extra money is extra money. In this episode, find out how to pick a good side hustle that makes the most of your time and talents. Next Steps: 💸 Take the quiz to find out what side hustles are best for you! 💰 Take the Mon…
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Our Ultimate Guide to Budget-Friendly Travel
37:57
37:57
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37:57📈 Are you on track with the Baby Steps? Get a free personalized plan. Is dragging yourself to the airport at 4 a.m. for a $90 round-trip flight worth it? In this episode, Rachel and George weigh in on travel budget hacks you can try to save big on your next trip. Next Steps: 🏅Help us make the show better! Please fill out a quick survey. 🍸 Follow Sm…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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The Money Strategies That Are NOT Dave Ramsey Approved!
40:34
40:34
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40:34📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re debt-free but holding onto that Disney credit card, you might be “Ramsey-ish.” In this episode, find out what that means for you and your finances. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rach…
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📈 Are you on track with the Baby Steps? Get a free personalized plan. On a scale of cloth diapers to compost, how crunchy are you? In this episode, get Rachel and George’s take on popular “clean” products. Plus, find the best crunchy money-saving hacks out there. Next Steps: 🎥 Watch our video The #1 Budget Buster That No One Can Avoid. 🏅 Help us ma…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Reacting to Random Things People Used Their “Emergency” Fund For
41:47
41:47
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41:47📈 Are you on track with the Baby Steps? Get a free personalized plan. Nothing screams emergency fund like a full-scale raccoon home infestation. In this episode, Rachel and George share the weirdest things listeners spent their emergency fund on and the lessons we can learn from these scary stories. Next Steps: 🍸 Follow Smart Money Happy Hour on Ti…
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Spilling the Financial Tea With Our Better Halves
53:40
53:40
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53:40📈 Are you on track with the Baby Steps? Get a free personalized plan. Today we’ve got two very special guests in the studio . . . Winston Cruze and Whitney Kamel! In this episode, Rachel, George and their spouses spill the tea on married life, money, and how the two mix. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 🍸 …
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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The Art of Talking Money in Any Relationship
37:38
37:38
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37:38📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Do you ever feel like the “poor friend” of the group struggling to keep up? In this episode, Rachel and George talk about money’s impact on different relationships so you can avoid relational drama. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 💵 Star…
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Dave Ramsey Answers Your Most-Asked Questions
53:30
53:30
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53:30📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Today we’re giving the people what they want: the man himself, Dave Ramsey. In this special episode, Dave plays 20 Questions with inquiries you submitted about his life, wealth and the things he won’t waste a dime on. Next Steps: 🏅 Help us make the show better! Please fill out a q…
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Sneaky Marketing Tactics That Aren’t Your Friend
37:35
37:35
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37:35📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Remember signing up for that “free” trial of Apple TV+ . . . and four years later, you’re still paying $9.99 a month for it? In this episode, Rachel and George reveal sneaky marketing tactics like this to help you avoid wasting money. Next Steps: 💵 Start your free budget today. Do…
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Stirring the Pot With These Off-Limits Topics
41:43
41:43
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41:43💵 Start your free budget today. Download the EveryDollar app! If you love awkward silences, just try asking your blind date how much money he makes. In this episode, Rachel and George share hot takes on common taboo money topics, plus how you can avoid cringey situations. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. …
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Cosmic Love with Dr. Christopher RudyBy [email protected] (Author)
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Things That Scream “I’m Pretending to Be Upper Class”
34:44
34:44
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34:44💵 Start your free budget today. Download the EveryDollar app! We all know that person who wears flashy designer logos like they’re personally endorsed by Michael Kors. In this episode, Rachel and George react to ways people pretend to be upper class and discuss how to be smart with your money instead. Next Steps: 🍸 Follow Smart Money Happy Hour on …
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