@@GeorgeKamelpeople do a Caleb Hammer and Ramsey personality collaboration!!!
@Rastebb
Жыл бұрын
^ First response Caleb's got in a minute (sorry Caleb, after your audit I had to)
@chaselesser3191
Жыл бұрын
Hey, Caleb Made it. And he just released todays episode👌
@ses-ei7oc
Жыл бұрын
Caleb!!
@rachelcrossen8136
Жыл бұрын
Pack your lunch for work! Every day. Saves thousands each year
@savanah1407
Жыл бұрын
As someone in their 30’s THANK YOU for saying before you’re in 40’s! Seeing tips for 20’s makes me feel like I’ve already missed the boat! (Totally understand teens/20’s need to hear the sound money advice)
@joliechabot7489
Жыл бұрын
Agree! I just turned thirty and wish I did this stuff in my twenties, buuut I didn't.
@Luncheon23
Жыл бұрын
Amen, I sometimes feel left out too 😅
@Msnanamac
Жыл бұрын
Amen!
@dnae_islander5614
Жыл бұрын
Yes, thank 🎉 I’d like to know there’s hope for my 30s
@a.alexander9221
Жыл бұрын
I feel the same!
@jamesclemons3844
Жыл бұрын
Congratulations on the show. What a brilliant move by the Ramsey organization. This is the exact type of show that young people need to hear and see. Love Dave, but you'll do a great job it reaching younger audiences.
@katelynrenesse4798
Жыл бұрын
Avoid debt. Cut costs. Building wealth is in your mindset, work on that and your financial potentials becomes exponential, develop good habits like regularly putting money away in intervals for investments .The financial market has plenty of opportunities to earn.. I made my first million from passive investing in diverse assets with the help of my adviser Lisa Rosa Cavanagh..it's been a year of steady growth..
@gagnecaron658
Жыл бұрын
I learnt to stay consistent and focussed if you want to achieve your goals.
@larryronhartfield55
Жыл бұрын
I looked up Lisa Rosa Cavanagh on the internet out of curiosity; she has a strong résumé.
@nataliehinnes5221
Жыл бұрын
Truly It's all about using assets with compound interest to amass riches.
@donaldlocher2537
Жыл бұрын
did a quick search and found her webpage. I must say her resume is pretty impressive.. will be writing her too
@ViggsPR
Жыл бұрын
1:06 #1 Budgeting 2:02 #2 Living on less than you make 3:38 #3 Being generous 5:35 #4 Setting money goals 7:18 #5 sleeping on big money decisions 8:10 #6 Talking about money with your spouse 9:26 #7 Investing consistently
@victorbaird8220
Жыл бұрын
Thanks 😊
@ericahenry2900
Жыл бұрын
You are the MVP! Thank you. 😉
@Girasoles
Жыл бұрын
🏆
@xavier_lucas
Жыл бұрын
2022 was a hell of a year, I have made $350,000 before taxes as the sole breadwinner and head of household. This is a great starting point and I’m very aware how blessed we are to be in this position, but I’m always looking ahead on how to improve. I currently have $88K left in student loans (originally close to $150K) and very little credit card debt (less than $2K with more than $25K available). I have two auto loans totaling $170K for two electric vehicles at 5% interest. I will appreciate suggestions from anyone who has been in same shoes on how to go about them.
@BenBak-wt7qi
Жыл бұрын
You may want to start somewhere different, like the snowball method, where you focus on one loan, usually the smallest one, and direct all of your resources to pay off that loan while maintaining payments on the others.
@westgibbs
Жыл бұрын
You want to work with a money coach or financial planner, although a financial planner will concentrate on long term, a money coach will help you with paying off all of your debts, maximize your cash flow and help you create systems and processes to direct your money proactively.
@Stefan-xc7hp
Жыл бұрын
I have thought about this, but what is the major difference between a money coach & financial advsior?
@westgibbs
Жыл бұрын
A financial adviser could help too to create a more holistic plan for your money. They can assist you in the creation of both short and long-term goals and then help you by giving guidance on the financial decisions and opportunities you are presented with.
@Stefan-xc7hp
Жыл бұрын
I’ve honestly been considering going the route of an advisor, this current market is no jokes for the average retail investor, but do they really make any notable changes to a portfolio or am I better off on my own?
@foobarFR
Жыл бұрын
Watching Caleb Hammer is a good habit before and after your 40s.
@nicknacks7824
Жыл бұрын
George, please DON'T give up your day job. Your videos are hysterical!
@punkbassandcovers
Жыл бұрын
I've had type 1 diabetes since age 11. I'm 41 now and I have been planning for the last 20 years to retire at 55. My life expectancy isn't going to be 80. I don't want to die at my desk. I will have the freedom to opt out of work earlier if needed. It's worth not getting Starbucks (or as we call it, Fivebucks) everyday to have options just a few years from now.
@je11omo
Жыл бұрын
Lasagna! Having that for dinner tonight! First time making it from scratch. Wish me luck, y'all!
@alexpietsch7997
Жыл бұрын
George, please get in contact with Caleb Hammer so we can see you two debate back and forth for his million subscribers special
@freedomring3022
Жыл бұрын
I use every dollar for my budgeting ... I was using an excel spreadsheet, but absolutely love using the app
@MarioCastiello
Жыл бұрын
The 7 habits: 1. Budget 2. Live on less than you make 3. Be generous 4. Set money goals 5. Sleep on big money decisions 6. Talk about money with your spouse 7. Invest consistently Wish you all the best in your financial, physical and mental endeavors 🙏
@sebastianpinto6514
Жыл бұрын
Love these videos cracks me up while learning lots, notes taken !
@nathanmartin9308
Жыл бұрын
Another Awesome Video! Well done George
@chaselesser3191
Жыл бұрын
Let’s get George Kamel a Caleb Hammer Mug!
@ninerknight5351
Жыл бұрын
Taquitos!
@markchristy9704
Жыл бұрын
You get a like just for the Seinfeld clip alone. Your humor is appreciated as are the actual tips. Thanks!
@PxlMrk
Жыл бұрын
I want to be a Kamel when I grow up. Also, this video comes too late in my life, I'm already well in my 40s.
@wale4862
Жыл бұрын
Never too late, salvage the best you can of your situation !!!
@ModernDayDebate
Жыл бұрын
One of my favorite channels! Thank you! 👍👍
@andybungert
Жыл бұрын
George your positivity is unending and amazing! I'm 33 and almost out of debt. Been doing the Ramsey stuff out of order and obviously It only makes for so much gazelle intensity. I'm happy with how far I've come but like anybody I can improve. Still haven't set a true budget and I know that I need to. Little by little day by day improving
@adamcates603
Жыл бұрын
Love the Caleb Hammer shout out :)
@michaelmcgovern5906
Жыл бұрын
I hope a big chunk of your budget goes to your editors. Videos are el fuego
@MisteRRYouTuby
Ай бұрын
I’m 42 already… But these habits can still work.
@sviolet892
Жыл бұрын
I'm so here for the Caleb Hammer taquitos jokes😂😂😂
@wendytart9640
Жыл бұрын
Hey I found your videos a few days ago wow! My husband and I are in our mid 50’s and are now trying to get out of debt and on track seriously saving for our future. We are in the game later than some.and we can’t ever seem to stick to a plan!! Do you have advice for older people like us??? or Videos? A video like that would be awesome!
@vintagecrazyjay4970
Жыл бұрын
Read Total Money Makeover by Dave Ramsey and take Financial Peace University, Dave Ramsey's program. If you follow the steps, it will help you be debt free. Worked for me! Cheers!
@bigcahuna42366
Жыл бұрын
Caleb's voice going into squeaky mouse mode when he feels his client is being an idiot is hysterical
@sman9774
Жыл бұрын
Another great video George with quality tips to set specific goals. But can we get to the important stuff? You need to take that ukelele off your back wall and play it somehow in one of these videos. sing it loud! :)
@beckykerr5829
11 ай бұрын
At 36 this is useful thank you
@AbidingHopeMentalHealthCoach
Жыл бұрын
George, George, George. As a multi lingual person, you should know that there is always a reason for things. Like the G in lasagna. Why do you think the N sounds like the Spanish ñ! It’s the G in front of it! GN Italian says the same as NY in English or Ñ in Spanish.
@Bidenlost2020
Жыл бұрын
Oh wow!
@donnahampton3632
Жыл бұрын
Ramsey clip: Dave: Where did you get that number? Caller: Out of my butt? Rachel: (Dying on camera)
@MalluStyleMultiMedia
Жыл бұрын
😮💨 pheww right on time .. still under 40
@truetimor
8 ай бұрын
Same🎉
@themikehoncho
Жыл бұрын
At this point I’m convinced they right the script around the memes and clips 😂
@maroni1257
Жыл бұрын
My struggle with the budget is this: I totally want to budget, but no matter how hard I work on my budget, unexpected expenses happen every month (I have 4 kids) and it negates my budget. I want it to work, but it ultimately ends up being a waste of my time. I've tried the app, too. I've been making good progress just being as tight as I can be, and at the end of the month, whatever's left (which is usually significant) I use for my debt snowball. Not ideal, not the way I wanted to do it, but it's working.
@richardle7469
11 ай бұрын
This is his side hustle, lol.
@Sweet87671
Жыл бұрын
Because of budget mom and you guys I am doing a budget now! We have not spend on credit card since 5/23. That is a bigg deal for us soon much! Still it feels like going against the water, but you guys coming to my feeds in you tube are my prayers answer from asking God, (help me manage what You give us) generosity, it is a big step, It Hurts sooo much but it is probable what has keep us going through the blessing other people give to us. Also we realized how little we were giving to our church!
@user-ly3ik9oj5k
Жыл бұрын
Shouout to Caleb Hammer
@danielponder690
Жыл бұрын
Very helpful advice. Also, prongles makes me think they’re prawn flavoured….?
@danielaandrification
Жыл бұрын
My dad always gave me a budget for everything 😂 i am grateful for those life lesons made realize how it is 😮
@rollakid
Жыл бұрын
My dad gave me a fixed allowance when I'm studying, no more no less. If I want to buy a toy, I got to starve myself. It didn't teach me how to work my arse off for money, but it sure did teach me how to budget every last cent I have. I appreciate that, but I feel like I have some scarcity mindset. 😅
@iaf4454
11 ай бұрын
Well, you should take that money and make it grow.
@iaf4454
11 ай бұрын
@@rollakid I have also that mindset, but I combat it with the idea of "giving". I know that some percentage of my income will go for the red cross. So when I get up and I go to work I feel that I am doing something good with my money, and that makes you feel that somebody needs it, and your work is important... the scarcity mindset is hard to demolish but this helped me a lot
@topdog19945
Жыл бұрын
I became debt free in April after a few short months of paying it off I'm working on saving for a new car but it's not happening fast enough so I picked up a part time job. Working on buying my mom's honda 2016 hrv from her and she'll hopefully end up in a toyota fj.
@marileemcpherson3478
Жыл бұрын
Love your sense of humor, George! Have a great weekend.
@samcshaffer
Жыл бұрын
Omg so funny you put the out of my butt clip 😂! I quote that weekly
@logankillingsworth8725
Жыл бұрын
Your vids are my fav. Please come to Springfield MO someday. We have the mother of all bass pro shops and 2023’s #1 aquarium.
@TarmacSkin
Жыл бұрын
Future Millionaires… Thats Very Stimulating!! Keep Investing My Friends. Tom Cruise running made my day!😂
@multistack1502
Жыл бұрын
You included Caleb hammer. This guy really leeching bro get popular
@PennyKilby
Жыл бұрын
Also I hear you talking about (side hussle) ...where I live you could get into alot of trouble without insurance to walk someone elses dog...?
@westbccoast
Жыл бұрын
We love you George.
@MillionaireHouseholdFinance
Жыл бұрын
Great points Mr. Kamel! And so very true. You become a millionaire one step at a time, and it starts with forming good habits around money. Mindfulness plays a key role in reaching long-term financial goals, and of course, that starts with a clear budget.
@loveinthevalley
Жыл бұрын
Life runs in seasons. If you have a season of bad debt or unaffordable living, giving any money is the most terrible advice you can possibly be given. Eliminate your debt, change your life to be affordable, and then the next season you can build your habit of giving. You do not have to do these things concurrently and it's bad advice to be encouraging people to do this.
@malone77
Жыл бұрын
Yeah I was thinking this myself. If you are in debt , 10% is a ridiculous amount to be given away. " Put your own oxygen mask on before you help anyone else"
@loveinthevalley
Жыл бұрын
@@malone77 If we look at how economics works in regards to how much a given amount of money is worth, let's say 200 dollars. Even if it's a percentage of income, 200 dollars to someone who makes 2000 is far far more valuable than the 10% of income someone who makes 8000 is. The less you have the more important every dollar is, percentage or not.
@malone77
Жыл бұрын
@@loveinthevalley absolutely. Couldn't agree more.
@egr3071
Жыл бұрын
@@loveinthevalleygreat point! Never thought of it that way. I am a very generous person and love to help out others
@loveinthevalley
Жыл бұрын
@@egr3071 every foliar in intereat you pay from not paying off your debt faster is a dollar you never get back, and a dollar you can never give.
@Jswilk830
Жыл бұрын
George you always make me laugh out loud! 😂 Awesome!
@WetMagic
Жыл бұрын
Budgeting actually helps me so much.
@jwarnstarsmile
Жыл бұрын
The BIG credit to Rachel for the quote made me laugh out loud after watching SMHH!!! 😂😂
@jacqjacq5920
Жыл бұрын
I'M rolling. George is so funny 🤣 😂 😆
@mariavittar6290
Жыл бұрын
Another one is to surround yourself with likeminded people. It is inevitably going to motivate you 🙂
@aaronjennings8385
Жыл бұрын
Spend your money preventing problems. Fixing issues after failure to prevent them is called being Penny wise but pound foolish.
@richardle7469
11 ай бұрын
Dang -i am 39... and pike and buffy memories
@brandonlowery2236
Жыл бұрын
Nice post & advice but PRONGLES omg no way that exists yuk
@DOGGYDOG1167
Жыл бұрын
Spot on !!! Great stuff👍👊💪
@starhje
Жыл бұрын
My 7 year old son watched your video with me and he approved!!! 😂
@cathy9423
Жыл бұрын
The Caleb Hammer reference 😂😂
@RogueTrucker12
Жыл бұрын
George, I feel like the super duty poke was directed at me……😂
@sneak916
Жыл бұрын
Giving up 10% while still in debt sounds ridiculous
@pamferolie893
Жыл бұрын
Can you do the same topic for in ur 60s or 70s. It’s never too late, right?
@savanah1407
Жыл бұрын
Agreed! Have a family member tuning 75 soon, still able to work, barely. Rents their home, gets very low social security and no retirement savings. The only plus is no car payment or debt. But what to do at that age? It’s hard to know.
@Msnanamac
Жыл бұрын
Is it 15% including whst your employer takes out for retirement? My job requires us to contribute 7% of our paycheck to retirement so i never see it. Should i put an additional 8% in the S&P500 or open a personal Roth IRA
@rayzee0285
Жыл бұрын
Does you job match your contributions?
@Msnanamac
Жыл бұрын
@@rayzee0285 unfortunately not until I've vested. Which is 5 years. I'm in my second year
@CliveBirse
11 ай бұрын
I wasn’t financial free until my 30’s and I’m still in my 30’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring!
@Grace.milburn
11 ай бұрын
Nice one . Any investment tip?. I would love to know how you made it this far
@ThomasChai05
11 ай бұрын
Generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with *Mary Onita Wier* , An investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her.
@JackBJacobs233
11 ай бұрын
@@ThomasChai05 I value your recommendations. It's challenging to locate a trustworthy person. I could really use your investment advisor after seeing how much money you've made through investing. If you don't mind revealing her information, that is.
@ThomasChai05
11 ай бұрын
Many lack access to insightful knowledge, causing anxiety due to information gaps. Personally, I've earned $35k in passive income with *Mary Onita Wier* , unaffected by market fluctuations.
@91ScottieP
11 ай бұрын
Thanks, I just googled her I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
@kwabenaamanfoh6675
Жыл бұрын
My 7 habits our the baby steps lol
@daniamani2799
Жыл бұрын
Great video!! I am 29 years old and my husband and I are doing many of these things currently! I have a question related to pausing on paying into retirement while in Baby Step 2. As a California music teacher who pays into CALSTRS each paycheck, and I allowed by law or state to stop paying into CALSTRS?
@donnahampton3632
Жыл бұрын
In baby step 2, you stop contributing to any retirement accounts that you have control over. For example, you don't have control over your employer's pension fund, but you do have control over your 401K.
@FrugalFamilyFocus
11 ай бұрын
Button hit, comment commented. Loving this content George! Appreciate you!
@bigcahuna42366
Жыл бұрын
Sleeping on a big purchase decision might not always be a good idea, particularly if the one-of-a-kind perfect for you item you are buying has strong interest from another party. In most cases this would mean houses. I would re-phrase it by allowing your heart to grow desire over the course of time for this purchase and being financially prepared for the opportunity when it comes.
@AD-hs4cw
26 күн бұрын
This is of course if you have money to save in the 1st place....all this nonsense tips are just that common sense but doesn't amount to much when you're barely scraping by. I say live like there is no tomorrow, because you know what, there isn't. We only have so much time, and you cant take it with you so what is the obsession with saving money. Money is made to be spent and enjoy life, or help someone in life. When you get old you're not going to be doing or capable of doing all the things you could do in your 20, 30, 40 and 50's ...after that its a nightmare
@exoticcarculture
Жыл бұрын
I love your videos. Keep going ❤
@misslanapaulford
3 ай бұрын
What he said in the first 2 minutes, is exactly why I love the envelope method. Each envelope has a name and amount in big letters and u and your money know its purpose. Do basic with white office envelopes or go fancy with the packs u can't get.. Envelope are cheaper and you can move over to bigger envelopes when the piles gets bigger and you can physically see it and touch it to remind u...
@StupidGoodProduction
Жыл бұрын
There's a reason it's pronounced la-zan-ya and not la-zana. That reason is the letter g.
@jonathan6665
Жыл бұрын
Give 10% bro That's like 700 bucks each month. No way im giving that away everymonth.
@jermainerobinson7098
Жыл бұрын
Another great video thanks love them keep them coming and keep me saving 😂👏🏾👍🏾👊🏽
@andresjmontanez
Жыл бұрын
Why would I want to be generous? Sounds like the opposite of saving money. I would prefer to spend the money on me.
@ses-ei7oc
Жыл бұрын
Omg, best Ramsey segment ever!!
@markamark123
Жыл бұрын
I'm not buying a used Corvette. I'm not buying a used Corvette. I'm not buying a used Corvette. Ok I feel better now.
@tolohuexochitl3
Жыл бұрын
George though
@terricox3559
6 ай бұрын
The g in lasagne gives it the y sound. You contradicted yourself accidently George 😂
@HangNguyen-ih8rf
Жыл бұрын
Im a single mother of 1 and after my tight budget im left with $500 to save for emergency. I have no saving in retirement of any sort. BUT if I was to “give” away 10% of my monthly 4k income….that will leave me $100 to save. Are you fukin kidding me?
@press3395
Жыл бұрын
Are you tithing as a result of old testament practice?
@you0nlylivetwice
6 ай бұрын
Sleeping on it doesn't only work on money, lots of decisions are better made with a fresher mind, that has help me out a lot as to not be too impulsive and later regret
@danielclark7293
6 ай бұрын
Love all of these habits! My wife and I (34 yrs old) have been doing the baby steps for about 5 years, started in debt with $50k net worth. Today it is $890k net worth and on baby step 7! On track to be baby step millionaires by mid-2025! We have 1 income, 4 young kids. Anything is possible, small good habits overtime compound to something great!
@vitran4141
Жыл бұрын
I see this couple put 10 million by 45...
@therookeryvanlife5612
9 ай бұрын
As someone in my 50’s who did put these into practice, it’s totally worth it. My things are not always the latest version but I have everything I need, can handle emergencies and won’t have to eat cat food when I’m 80!
@SauceHot1
Жыл бұрын
Your “Faith “ aka 10% to the lord !
@ds5651
Жыл бұрын
You forgot travel hacking 😂
@jehuhernandez4628
11 ай бұрын
How do you guys keep track up expenses (budgeting)? Years ago when there were more cash payment options it was easier, but now with a lot of autopayments set up, using the envelope method is hard. e.i. my wife doesn't know when she will stop by the store and buy any groceries we may run out of, etc. Still working with the envelopes or use any app, is it there any trustful app to connect all my bank accounts?
@davidrojas6457
Жыл бұрын
"HHNNGTHAT'S A LOT OF DAMAGE" I should not have taken a swig of milk right before that, but well played, fam.
@Kevin_40
Жыл бұрын
whats up future homeless people
@PennyKilby
Жыл бұрын
15% of my take home is hardly enough to save a million
@potcit
24 күн бұрын
InshaAllah Thank you brother.
@kevincross1240
5 ай бұрын
Please note that every dollar is only free for the first 30 days
@shanep2760
Жыл бұрын
Do taxes count as giving? 😆
@kristenmjgarcia
4 ай бұрын
Your video editing kills me. 🤣🤣🤣
@ryanphillips3540
Жыл бұрын
Another good habbit but not a money habbit is looking at spending to time ratio. This is more useful to subscriptions and services that you pay to use vs goods as you may be paying for 3 subscriptions but you only use 1 per month. Sure you may have the money to afford it and be well off but that is still money being wasted on a service that ou don't use.
@dbag57
7 ай бұрын
The spam bots in the comments are unreal 😅
@aadarshviswanathan2825
8 ай бұрын
10% of paycheck donations is asinine tbh
@6729solarwolf
Жыл бұрын
My daddy said always wait 24 hours before making a big emotional purchase
@dirtydan6098
Жыл бұрын
I’ll do all besides 3:38. But, giving 10% of energy satisfies #3?
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