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b'\\U0001f4b5\\xa0Create a free budget. Sign up for\\xa0EveryDollar\\xa0today!\\n\\nYou were \\u201ctoday years old\\u201d when . . . you learned about catch-up contributions, HSA benefits and the scam of genuine leather. Today we\\u2019re spilling all the tea on money (and life) lessons we learned too early, too late or right on time.\\n\\nNext Steps\\n\\U0001f4d7 Order George Kamel\\u2019s new book, Breaking Free From Broke. https://store.ramseysolutions.com\\n\\n\\xa0\\n\\U0001f4f1 Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram. Be sure to type \\u201cGUILTY?\\u201d at the top of your message so we don\\u2019t miss it.\\xa0\\n\\xa0\\nToday\\u2019s Happy Hour Special \\u2615\\ufe0f The BEST Espresso Martini Mocktail\\n\\xa0Recipe: Entirely Elizabeth\\n\\xa0Ingredients:\\n-\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa04 ounces cold brew concentrate\\n-\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa02 ounces heavy whipping cream\\n-\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa02 ounces simple syrup\\n-\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa01/4 teaspoon vanilla extract\\n-\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa01 pinch of salt\\n-\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa01 tablespoon cocoa powder\\n-\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa02 coffee beans\\n-\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0Ice\\n\\xa0\\nInstructions: Add cold brew concentrate, heavy whipping cream, simple syrup, vanilla extract and salt to a cocktail mixer and shake with ice. Coat the rim of a glass with simple syrup and cocoa powder. Pour coffee mixture into the glass. Garnish with coffee beans on top.\\n\\xa0\\nListen to More From Ramsey Network\\n\\U0001f399\\ufe0f The Ramsey Show \\xa0\\n\\U0001f9e0 The Dr. John Delony Show\\n\\U0001f4a1 The Rachel Cruze Show\\n\\U0001f4b8 The Ramsey Show Highlights\\n\\U0001f4b0 George Kamel\\n\\U0001f4bc The Ken Coleman Show\\n\\U0001f4c8 EntreLeadership\\n\\xa0\\nRamsey Solutions Privacy Policy'