Meet George Kamel, a Ramsey Personality, personal finance expert, and #1 national bestselling author dedicated to helping you break free from the toxic money system and build real wealth. Since joining the Ramsey Solutions team in 2013, George has gone from a negative net worth and $40,000 in consumer debt to becoming a millionaire in under a decade by following Dave Ramsey’s Baby Steps. As co-host of The Ramsey Show and Smart Money Happy Hour podcast, and through his popular YouTube channel, George educates and entertains with a snarky sense of humor, exposing the financial traps and lies designed to keep you broke.

In his new book, George shares his personal journey and reveals how everyday people can escape the cycle of debt, cynicism, and hopelessness that’s become all too common in today’s world. He debunks myths like “student loans are the only way to a good job,” “car payments are just part of life,” and “you need a credit card to survive.” Through a millennial perspective, George exposes the pitfalls of credit cards, credit scores, student and car loans, mortgage mistakes, investing traps, and the relentless marketing that encourages overspending.

Whether you’re just starting out or looking to finally get ahead, George’s practical advice and proven strategies will empower you to:

– Break free from credit card and student loan debt

– Avoid common mortgage and investing mistakes

– Outsmart marketing and consumerism traps

– Build wealth and achieve financial freedom—no matter your starting point

Join a new generation of listeners and readers who are ditching debt, building wealth, and taking control of their financial futures. Subscribe for honest, actionable money advice, real-life success stories, and a fresh, counter-cultural approach to personal finance that actually works

00:00 - Introduction & Guest Welcome

01:45 - Surviving the Snow & Boston Roots

03:00 - Growing Up in an Immigrant Family

06:00 - Family Finances & Frugality

08:00 - College Decisions & Avoiding Debt

10:00 - Early Career: Apple Store & Music

12:00 - Moving to Alabama & Culture Shock

13:45 - Accumulating Debt & Discovering Ramsey

15:00 - Starting at Ramsey Solutions

17:00 - Music, Comedy, and Creative Outlets

20:00 - The Role of Comedy in Life and Work

22:30 - YouTube, Podcasting, and Content Creation

24:00 - Becoming "Millennial Dave" & Paying Off Debt

26:00 - Debt Culture & Financial Traps

29:00 - Car Buying Nightmares & Credit Score Games

32:30 - Generational Shifts in Car Buying

33:45 - Online Arguments & Financial Advice

36:00 - Is There Such a Thing as Good Debt?

39:00 - Credit Cards: Discipline vs. Reality

41:00 - Scarcity vs. Abundance Mindset

43:00 - Debt Snowball vs. Avalanche Method

44:30 - Money and Health: The Same Principles

45:40 - Income vs. Expenses: Creating Margin

48:00 - The Reality of Life Expenses

50:00 - Financial Education & The Next Generation

52:00 - Taking Responsibility & Finding Hope

54:00 - Making Real Change: Attitude and Environment

56:00 - Where to Find George Kamel

57:00 - Making Friends as an Adult

59:00 - Closing Thoughts & Outro

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