15 Things We Wish We Knew in Our Twenties

Are there things in life you wish you’d known sooner? Well, you’re in luck! Rachel and George are here with important life and finance lessons, revealing things they wish they’d known in their 20s.

Next Steps:
📱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.

Offers From Today’s Sponsors:


Today’s Happy Hour Special: 🍾 Bourbon Hugo Spritz
• 1 ounce bourbon
• 1 ounce elderflower liqueur
• 3 ounces prosecco
• 2 ounces soda water

Instructions: Fill a glass with ice and add bourbon and elderflower liqueur. Top with prosecco and soda water, then stir. Garnish with an optional lime wheel and mint sprig and enjoy!

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[calvinwebb]

When I was in my 20's I was selfish and it was all about me. Now I'm in my 50's I have learned to treat people with respect and grace because you really don't know what someone is going through.

[BVel]

im 32, married 10 years, with 4 kids. Alcoholism and Drug abuse almost destroyed my life in my 20s. ive been clean for almost 6 years and sober for 2. I chose to follow Jesus and lead my family by example.
iv learned years go by fast and to not take life for granted.
Love God and Love people.

[flex]

"Every inch matters" George Kamal

[elizabethwollmann]

Being in my 5o you realize life is not all about you ! George your such a wise man 🇨🇦

[psmfwyk]

Rachel do NOT feel bad about reclining your seat! You paid for the ticket and like you said the seat reclines. Enjoy it!! I’ve had the person in front of me recline and I deal with it!! I think it’s rude for people to say your not supposed to recline. If you are so tall and don’t want the person to recline their chair that’s on you, book a first class ticket then and get all the room you need! Don’t make someone feel guilty for using the seat like it was intended.

[joygarrett]

I wish my 20 & 30 year old self would have had access to a Ramsey plan! (I’m now 66). While I did have a few people tell me about the importance of saving (which I did eventually) and setting aside $$ for retirement . . I had no one to show me How to budget appropriately to ensure those things were Top priority. How to sacrifice. While I’m “ok”, I would be in a much better place now if I would have had some deliberate instructive guidance!!

[cheerfulmouse]

George! I'm cracking up at "mummified tomb of an air filter" 😂

[dwr]

i come here for the comedy really....you guys have great banter and chemistry

[leahwolber]

I had three kids starting at 24 when my career was barely getting started. We were so broke and then my youngest is severely autistic and kind of broke us for a while. We (and she) went through hell with no sleep, destruction, therapies and constant stress. She is now 10 and I’m 39 and I wish I could tell myself it gets better and she gets happier.
On the money side I would tell my past self to keep working and that it gets better in the future.

[elizabethbayless]

I had been to all 50 states by my mid twenties, and some countries as well. Had to stop overseas trips for a while, raising kids, etc. I’m now 67, work full time and getting in lots of trips. I’m up to 27 countries and going strong! Very thankful!

[blingconomy]

My advice to my 20s self would be to pay what you can on your student loans-even if it is just the interest. Also, deferment is delayed pain. Therapy is cheaper than retail therapy.

[chrisnolin]

Rachel's phone flight story was great!

[sarahobrien]

Do you guys have merch?


I would totally rock a smart money happy hour hygiene homie hoodie.

[eandrgoodwin]

I flew A LOT for work. I would recline my seat EVERY TIME!
And pretty much the second we hit cruising altitude.
Like you said, Rachel, the lean back is like 2”, if you’re lucky!!
And that’s how the plane is designed!
I might put it back up if an actual meal was served, but not for snacks.

[davidmilhouscarter]

10:30 I’m surprised that George knows about MERV ratings and how to change the filter.

[lioness]

I agree with traveling younger before retirement. I see people
Who can’t walk around/climb stairs/. Etc

[katiedickinson]

To Rachel’s point about figuring yourself out in therapy.
a life as a Christian or with a faith in someone/thing other than yourself where you learn to be content because of your faith helps you along that path also. That’s my experience. You two are a great pair!! Love this show!!❤

[adamturner]

I'm an Eagle Scout and comes in handy more than you would think. Love the content. Bless you all.

[sierraolsen]

I am in my twenties now about to graduate college soon thanks for the reminder to chill out a little. I am excited to graduate debt free this December!

[RichardTouchfaith]

I was studying business in college in the late 90's and watching financial news reports for some reason. Two things I keep hearing was:

--Max out your 401k asap
--Invest in the Internet since it is the future.

47 years old now, and life is so good! Thank You so much to my younger self for paying attention and actually following through with the advice!!