How to Spot “Beige Flags” in Money and Relationships

foreign [Music] well this is the podcast where two friends who happen to be money experts talk about what you're talking about everything from pop culture current events and money and today we are honoring the flag the beige flag and the American flag always but specifically today beige flag I know I mean we are mid-30s boring fine speak for yourself so financially responsible adults but we love a good Trend especially those jinsiers gosh darn it Rachel Falls for it I love a good try like you're wearing mom pants now she's like yeah gen Z said skinny jeans are out I'm like since what are we listening to them they ate Tide Pods like three months ago but hey those children they set the Trends they have some fun Trends and one of them is the beige flag because we all know like red flags to look out for green flags in life this is beige Flags like we don't know we don't know about money and common money principles or themes within people's lives we'll figure out is it red flag beige flat green flag if we're gonna talk about it it's gonna get juicy and speaking of Juicy there's some orange juice in today's drink it is a creamsicle mocktail in honor of the beige flag I'll give it a pass it's close to beige but it is delicious everyone should be making this at home fun for the whole family so good so good so wait till the end we're going to give it a rating give you the review and reveal the cost per glass and trust me you want another cost per glass this one was mind-blowing so good well it's delicious very refreshing okay George so let's get it straight again red flags in life we all know it's like caution oh that's a red flag that's a red flag no green flag probably not said as much like in common everyday language lingo but we're very negative culture we should celebrate more green flowers but we know green flags when we see them uh so I guess the middle flag if we're going like street light colors is yellow but those Jen's ears they've dubbed it the beige black which I love which means it's neutral it's not right it's not wrong it's just like it could be a beige flag it could go either way well have you heard the word mid yes I have I feel old just saying it out loud I realize how uncool I am right now but that's what you say you're like Rachel I think the Barbie movie that's that's mid and that means like it's average mid is average yeah okay it's not the worst it's just very like you know you're like it's Chipotle it's very it's not gonna blow your mind well I love Chipotle I do too but I think we could agree it's mid okay because it's not like super fancy but it's also not like disgusting it's not going to change your life sure but it's not terrible you can do worse yeah so the official definition of beige flag according to Reader's Digest you were 78 years old is something that's neither good or bad it just makes you pause for a minute when you notice it it's a huh how angry is Gen Z that Reader's Digest was like we should be the ones to Define this like the official definition let the olds take this one kids we'll take this one guys okay so we're gonna start reacting to some red flags and green flags and obviously these are very subjective depending on who you are but some common relationship red flags that are circulating the inner webs right now that's usually where this falls into the category as a relationship you went into the Gen Z World and here's what they're saying are some red flags I'm gonna just do this for fun because I like our food it is fun uh first and foremost men wearing flip-flopsy apparently hates feet and they wear socks plus slides okay I'm gonna this is not a red flag for me I think that's a very silly red flag I think need to get over whatever their issue is with people wearing flip-flops like why men wear like do all men have no how about how about at work though are you very vocal about anyone even women having any level of like their he's like everything should be your feet should be covered at work and I'm like I just okay I'm not that like offended by it well they can get on their horse and buggy and go somewhere else okay we live in the modern world you are so cool George why can't we show we're gonna love you how come we can show our fingers what should we wear What's Next we wear gloves all the time because you're scared of my hands like give you the ick get out of here so old oh my god get off my lawn okay next all right people who act like hating cats as their entire personality wow okay I can get behind this one but I also get it so I'm like am I that guy oh it's not my entire personality I know don't bring it up in conversation for fun it it becomes who they are though but I think cat people are their own red flag so you know there's a spectrum there's a spectrum is all I'm saying I used to be more on your side and I have become more beige about that we need to find cat people I'm talking about like they got pillows with their cats faces on it yeah some of them too they have more cats than they do fingers those kinds of people that's a different breed pun intended I'll give that I'll give that a little red flag uh being rude to service workers big red flag don't be mean to people who treat them nice with kindness tip them well everybody they have to deal with you if you had to deal with you you would tip yourself well yep okay another relational red flag okay is littering or just saying oh the janitor will get it what world do these people live in they need to read qbq or we gotta read that at work years ago yes it's all about the gist the spark notes of that book is hey your mom doesn't work here yeah and I don't care whose problem it is solve it solve it figure it out I didn't be an adult you know I love the people who pick up trash that's not even theirs and they go throw it away I'm like those are the kindest most wonderful people on the Earth so great red flag making someone feel stupid for being excited about something absolutely red flag yep get a life why do you have to just criticize what everyone else likes now if it's Keurig I will criticize that no I want the best for you guys okay George I'm gonna just read a bunch of these in the red flag category yeah we're submitted by people yep and and say raising my flag raise the red flag okay if you feel like it is ready long or short fingernails depending on your preference for short fingernails or like long on men like how could it be both yeah if it's super long that's disgusting okay so they they are they are doing drugs I've seen the movies isn't the thing with like a guitar player though that is a thing but the chances of them being like a really good guitar player versus they do drugs just saying I'm just saying uh okay a one-up one-upping being a know-it-all uh interrupting mansplaining all the things oh a huge red flag can't stand that nobody wants to be around that person or they're just really talkative I don't know yeah how about this one people who act like mispronouncing someone's name is a joke instead of trying to get it right no oh do people do that a lot I don't know that's not funny red flag yeah that's just lame be better bro okay here's a great one uh wearing outside clothes on in your bed that's a huge red flag no it's not at all I are you what that's that's you I had a roommate and until he went to bed he kept his shoes on his full clothes on from that he wore all day uh right up until bedtime full shoes on and everything okay the only time I will not get into my bed with clothes that I had on there in the days if I was on an airplane an airplane clothes for me yeah for sure burn them but it didn't bother me absolutely it doesn't bother me I would say it bothers me I just think you're not okay like I put on jammies soon as I'm home put on some sweats put on some shorts throw a t-shirt on yeah and I do that to be comfortable but not for like because I don't want my outside clothes like oh yeah I'm not OCD about that it's not a germaphobe thing but for some people I think it is all right fine okay uh leaving a shopping cart in the middle of the parking lot instead of putting it back oh okay I'm gonna say beige black because it could be a mom and there's like a safety she was a weird guy and she has her kids and she's just what a running incredibly specific scenario that Rachel's defending what if she's a single mom and she's having a hard day and so it's a safety thing well what if it's just someone who's inconsiderate going man someone will get it thin red flag thank you there we go yes people who don't take accountability for their actions I mean yeah yeah I'd say so that's a simple one I would say sure someone hating all of their exes which is a sign that they think other people are always the issue well even the fact like if you talk about your ex and it was like not yesterday I'm kind of like bro like you need to go to therapy like move you know process it and move on yeah if there's no self-awareness which that means there's not run fine if you're on a date they don't want to hear about your ex on that date I'm just telling you right now there's free dating advice that's true how about this one okay someone's card has declined on the first date I'm gonna say page flag again scenario who knows it could have been like something wrong with the bank it could have been on their side I've had my card that's happened to me before with my debit card not because I don't have money in there it's just like it's not going straight I would say uh hopefully you if you didn't budget for it red flag and you're just like okay yeah sure what's the bank's fault though and it's not the person's faults what if it's a credit card that got declined oh like you maxed out your card is that the scenario in which that would happen oh man I'm just saying that would be tough I would that's a caution for me okay so yeah for sure Red Alert like that flag okay uh last one people who flaunt their career status or money oh that's a red flag for me now flaunting is a very generic term we don't know what that means if it's like a very important part of their life then you know there's like a value system that's really placed on like stuff and what they wear and if it's like which tells me that's going to be a tumultuous relationship it's going to be a little exhausting I may go a little red flag a little red flag I'm not looking for exhaustion in a relationship okay let's turn it let's turn it outside let's go green flag yeah we need some positives you ready dental hygiene green flag 100 you floss you floss it uh you know hit or miss and I kind of think the dentist is a little bit of a scam but other than that what is this conspiracy theory yeah [Music] six months for cleaning and I'm like I just regardless the dentist is a scam but then it just doesn't floss electric toothbrushes do well every time I went to the dentist they were like looks great and I'm like that's because you have good genes maybe so yeah I guess if you have yeah it's genetic and you have a lot of cavities you need to go but if you're like me did you have braces no privilege right there genetic privilege beige flag yes I don't know y'all that's fine I mean obviously dental hygiene is important we'll just the smell of it yeah if the person had bad breath yeah I mean that's terrible of course good call good call okay next uh when people aren't flashy but they aren't too stingy with their money either okay I like that one green they're just secure I'm gonna give a green flag for security I feel like that's me we need more of that it's like yeah we're not gonna like overly hype on stuff but we're also not gonna like be cheap well there's a balance there's moderation you're not crazy Frugal but you're not crazy flashy somewhere in between yep uh open-mindedness all right I'll take an open mind I think that's great asking questions wanting to know where he's a healthy person uh what did Ted lasso say be curious not judgmental there we go thank you Chad lasso as he has many red flags but that's a green flag right there uh people who are readers and podcast listeners if you listen to Smart money happy hour green flag being able to poke fun at yourself huge green flag yes that's great humility self-deprecation yep have a dose of it people love it get used to it safe and responsible driving yeah I would say dangerous reckless driving is a red flag so sure absolutely speeder though neutral yeah phase five right I would say within 10 miles over the speed limit beige flag yeah 20 30 yeah Fair I'll do that 15. I can be an 85 85 and a 70. yeah don't tell the cops don't if you guys know cops don't tell on Rachel tell them to come to i-65. you just gave up way too much information don't come to Rachel's address at one-fourth I have no idea the next line was gonna be I always drive at this exact spot oh green flag Apple users over Android users I'm gonna go uh blue flag because of iMessages okay this green flag in this case is bad it's an Android I don't want to see this color in my text messages see that's a big I get a lot I give a lot of grief to the Android users I just want what's best for them it's like the Keurig you know what I mean it's not you're not a bad person if you use a Keurig I just want you to eventually upgrade to the Nespresso to have a better life to have a better life for yourself unless you're not worried about status true but Android users are always like defending their phones like bro I don't need a projector on my phone I don't care how many gigapixels you got I just want to be able to know how to get to the camera I just need a camera no one can ever find it no one can find the camera there we go it's true it's true asking good questions good questions uh green flag that means you're an active listener yes you're curious uh being generous with praise and compliments flag being able to talk about feelings and emotions saying true to your word integrity huge green flag yes speaking highly of other people when they're not presents wow that's a good one very underrated green flag yes uh financial and social Independence huge green flag so not being too needy and dependent on others and other people's money for sure all right those are very nice I think we should all aspire to those flags yes okay next up which I'm excited about this one it's time the beige flag this is what you're here for this is why you click the listen or watch button okay uh pronouncing folks and salmon with the hard l oh salmon salmon salmon that to me is a red flag that might be a red flag too that would be so annoying who raised you what college are you British oh my gosh oh here's a funny one ordering a frappuccino as an adult wow fancy inexpensive coffee uh I'm gonna go yeah I'll give that a beige flag I'm not mad at you but I want you to know that Frappuccinos are just ice and sugar yeah some of the real coffee fun facts some of them don't even have any coffee in them oh my gosh yeah I think so uh here's a good one using the brand Head and Shoulders as your shampoo oh come on there's nothing wrong with that what's wrong with that laughed I don't listen to people out there they're insecure they're trying to get control of their dandruff and then Rachel's out here laughing in their face those people it's a funny it's a funny that is a funny that is a funny reference uh but it's not a red flag for me at all okay I'm gonna go beige flag on that one all right setting your ringtone to something different than the automatic iPhone ringer first of all the red flag is having any ringer put your phones on silent nobody wants to know that your phone is ringing unless you're ringing my phone never rings unless you're my grandma you have no right to have any ringer or sound coming if you have the text tone when you're typing a text okay that's for people 60 and older and you chicken tap it that's all red flags I'm going to bucket all of that under red under red flags okay like who's even using ringtones anymore remember we used to buy them from iTunes I know what if a song came up and some for someone's ringer I'm sure people still do that sure that's not enough sir I'm not judging I keep my phone on vibrate because my phone's always on me I understand if your phone's in another room okay here's what I'm guilty of saying hey girl it's your go-to greeting guilty beige flag okay girl you ever do that to guys just to make them angry no no I'm trying to think I do I am guilty of this hey man we should add this the hey man or like what's up dude okay that's the same as hey girl to me yeah but here's the thing is I don't remember their name I know I know I mean sometimes me too I don't know half the people in this room who are you guys I'm just kidding it's my crew so terrible okay so we talked about red flags green flags beige Flags let's move on to money Flags because financial problems contribute to 40 of divorces yeah which is that's a lot it's a huge tension Point like whether if you're out to dinner with people or you're on vacation with your family like it becomes a point of conflict it can become a point especially in a romantic relationship for sure so even if there's not a point of contention it's an aspect of your life that's always going to be there and it's something to talk about playing around and we want you to be thoughtful of so let's move in the direction towards the green flags that's what's important here that is yes uh okay so should we uh so we're gonna vote on these I guess this is where we kind of we decide if it's a beige flag red flag green flag love it okay get your flags get your flags ready if the person you're dating has a significant amount of student loan debt oh I'm gonna go somewhere in between Beijing red depending on the situation because I think a lot of people will have significant student loan debt it will be if you guys get married it's your debt so you got to be aware of that but if they're like motivated to get out of it yes I would not date someone because they had a lot of student loans but I would want to know like what is their plan yeah for sure all right next if the person you're dating doesn't practice generosity or giving red flag big red flag now I think people can change I'm gonna go beige flag only because I don't think some people think about it like we really teach generosity here but for some people it's like it's not like a top of Mind thing uh or they believe they can't do it you know all of it so again it's all their attitudes towards it if they don't want to at all then that that goes right yeah I guess in my head I was thinking like this is maybe a stingy person yes versus like oh they're just not used to it they haven't built that muscle they have a scarcity mindset around money I always look at the good for the good you really do and that is why you're America's favorite and everyone loves Rachel and I get haranged in the podcast reviews thank you for being a curmudgeon Scrooge just what's in your dating enjoys gambling in his last large amounts of money playing the game yeah yeah that is sounds like an addiction red flag for me yeah that's not feeling great we gotta solve that if the person you're dating is unemployed I'll go babe depends on the situation yeah what does it mean if you're choosing to be unemployed yeah that's a red flag that's right if you just got laid off or fired or something like you know beige flag okay if the person you're dating uses credit cards but you don't agree that this is wise that's a tough one I mean Eileen beige they just may not know you know if you like if you're like me I just grew up thinking like it's so normal so normal yeah it's not seen as a negative thing right so if you've been following us you're like well Rachel and George said credit cards are bad they just they don't know yeah they may not educated um if the person you're dating has never offered to pick up the check oh oh this raises the question does the man or woman pay for the check is it forever is it just the first date what do you think they're both working adults for the first bit I could see the guy paying and then after a while as I would I would offer I wouldn't want him just paying for every single thing sure so if you never offer throughout your entire dating that's a little weird to me on either side you're saying if it's a woman and she's never even offering like let me take it for like six months it would make sense it's like yeah let me pick it up because you picked I don't know that's fair so red flag if it's never ever ever ever happened a longer relationship all right if the person you're dating lives off of family money alone oh like they don't work yeah that's a it's a red flag because it worries me how they just spend their time all day yeah like I want you doing something even if you don't do it for the money yeah so it doesn't say if they're working or not and what they do but no it says yeah she says living off of family money alone sure that that's a strong word so that's right you sold me an extreme coupon user well if it's like the show extreme couponers or whatever it says extreme and then just say coupon user extreme yeah I'm gonna go red flag that's gonna annoy me yeah I mean well there's a point where and it's like we can't go here we don't have a coupon and you're like oh my God it can become an addiction for some people yeah almost like gambling obviously it's better than gambling because you're being super Frugal but you gotta oh yeah you don't want to spend six hours a day just looking for coupons all right George how about this the person you're dating is very into crypto honestly red flag just because I don't want to hear it I'm fine if you do I'm not mad about it but if I talked about anything if I was obsessed with anything especially a cryptocurrency and I was like Rachel so I just looked at the blockchain and it looks like mooncoin is going to be the one that take you would just be like bro like if it was sports that would be a red flag if all they talk about is sports the whole time so that's with anything okay but crypto is a different breed I get that if the person you're dating has never given you a gift and you've been dating three to six months beige I don't know what a gift would you know three to six months like was there a birthday was it given well Define a gift it's six months I'm sure between birth two birthdays a holiday of Christmas Valentine's you've hit something within six months you can't guarantee that so I'm gonna say red you're like well your birthday has to fall they're too close yes people yeah I don't think gifts are a necessary part of an early relationship I think the gift of my presence should be enough the gift that keeps on giving okay uh the person you're dating isn't honest about their taxes red flag are they not paying their taxes are they committing fraud yeah that's that's weird I'm gonna go red flag for tax fraud uh has a thousand dollar car payment every month that's a huge red flag thousand dollars oh yeah I hear you I'm gonna say beige because what if they make what if they make like four million dollars a year and they believed that car payments they just do it because it's a thing we have gone way over Rachel how many people listening people on the street making four million dollars y'all I'm just throwing out an extreme scenario we don't know we don't know what this is Rachel's out here straight up defending the thousand dollars no well guys we don't know their life story what if they had something tragic happen in them where they need a really expensive car no not that because I know they don't no why am I turning into zooming red flag jeez I'll go with my gut my gut was red but I just thought of that one person who'd never heard that car payments were bad until they listened downstairs but you're four million I'm just a thousand dollars I'm just throwing up but if you have four million dollars a year you're throwing money out the window every day if you have a thousand dollar car payment I agree with you so red flag people I have a red flag or anyone that's concerned red flag okay um has never had a job a red flag well it's beige if they're like in if they're 22 and they are in college now hopefully they've worked some yeah it's a defined job but I'm gonna go beige because I we don't know all right if they're like 30 and they've never had a job huge red flag if they're 18 I have more there's not probably a lot of 18 years into this podcast though there's seven years okay so take that seven-year-olds if you haven't had a job if you're seven yes but people date at 16 these days that's an appropriate age yes I don't know what people do you're a smart money happy hour listener again with the assumptions okay um makes rude comments about other people's wealth oh yeah that's a red flag there's some insecure what if the wealthy people are so annoying and y'all talk to me what if it's on my Facebook I just love that it's like oh my your beige flag fly girl makes rude comments about other people's yeah okay I know I mean in What scenario on the surface red but what if you went to what if you went to dinner with a couple and they were so annoying about their money and all this stuff and we like joked about them in the car like when I kind of made fun you know what I'm saying okay that is a very specific scenario once again so where picture this we're at dinner we're at Carrabba's I know my mind goes in I get the chicken Brian I don't know that's a good dish and I stand by that right last but not least the person you're dating is super secretive is that's some warning that's that starts to get sketchy yeah well that tells me there's gonna be a lot of protection and control down the line there's going to be some infidelity financially down the line so that's what worries me I lean red flag yeah if you can't be open about it and talk about especially if it's a serious relationship yeah but if it's a few dates in and you're like so tell me about your 401k you're like that's a little that might be a little much totally agree look let's get to know each other that person that's right yeah flag contents it's good to know though you got a bucket you gotta think about very specific scenarios it's very important I'm gonna give this podcast a green flag if they listen it's more money happy hour you're a huge green flag all right well it's almost the end of the episode and we end every episode with guilty as charged and this is where our producer Lindsay gives us a new guilty charge question every week and if we were guilty we have to take a sip so Lindsay what is it okay I want to know what beige Flags you're guilty of oh and have the other one react um dang um okay I would say one of my beige blacks is my clothes end up inside out like the way I like yeah not to be too much I think it's like a female thing and then I hang up on the hanger them inside out too that's a red flag you went from Bay charette real quick is it out of just convenience because yeah it's just right there it's just I'd rather clean up faster and have my closet clean but then when you're in rush in the morning you got it now referral this dress not in a rush in the morning I have must be nice she just makes her Keurig at her own leisurely wow yeah I have more I I'm in less of a hurry to uh take the shirt inside out outside in than I am the other way to hang it up that's fair that's mine I would say in general my hygiene routine is a giant beige flag my hair routine easily four minutes I have two toiletry bags right so that I take on trips and you've you have been a beneficiary of some of this because we'll travel to a live event and Rachel's like oh my gosh I need a steamer and I'm like I have a steamer I also have a hair dryer and I brought my own noise machine oh you need an extra charger here we go lint roller I got you hand sanitizer got it hand Salve I'm on it self I'm a Boy Scout soccer mom Enigma you can't put me in a box so that to me is a beige flag I floss twice a day so I'm making up for Rachel zero with two I floss before we did this podcast what and I brushed and I mouthwashed beige flag or green flag green flag high maintenance you're a high maintenance man George camel but you know what we love you so I think I wouldn't say high maintenance I would say high standards for excellence I think the maintenance category is pretty high for you lots to maintain lots to maintain oh that was funny that was a good time okay what are we simply this was a good this was a great cocktail this is a creamsicle mocktail and here's what's in it orange juice whipped cream lemon lime soda is that just called Sprite who calls it lemon lime soda off-brand oh okay hey we're on a budget ice and an orange slice that rhymes so orange juice whipped cream lemon lime soda ice and an orange slice for garnish the cost breakdown Rachel blows my mind on this one 83 cents a glass oh my I don't think you can buy water as cheap as this how is it possible so true that's amazing what was your rating on it oh my God I didn't drink Lex I had the flags the whole time so I feel like I didn't have my free hands like I normally it's a near perfect drink I'm may go 10 out of 10. I was gonna say nine and a half what was the half what could we have done I don't like the whipped cream on top oh it's bothersome to you a little bit uh but the taste is so good delicious it's nostalgic for me are you gonna say yeah guys make it it's worth it make it for your kids they'll love it it is worth it all right it's closing time uh George great episode thank you guys so much for watching and listening make sure to leave a review subscribe if you haven't leave their beige money Flags in the reviews in the comments juicy do it so good well you guys I guess we'll see you at next Thursday on an all new episode of smart money happy hour [Music] foreign

Channel: Smart Money Happy Hour

Views: 39,212

Keywords: Smart Money Happy Hour, How to Spot “Beige Flags” in Money and Relationships

Id: 77cUR-P_qwM

Length: 30min 30sec (1830 seconds)

Published: Thu Jul 27 2023