12 Rules For (A Frugal) Life

[@AvalonMisty]

"Everything is 100% off...when you don't buy it." You are a gem, George!

[@AustinCDennis]

I did a big nod at that. I quickly learned that with CC rewards and points. The money I save not buying something will always be greater than 5+% cash back.

[@gingerfication3375]

I’m on baby step 1. I’m sick of paycheck to paycheck. Next month I’ll be on step 2.

[@Joeschmofosho]

Rooting for you!

[@d3rsch0rsch]

Thats awesome. Keep it going! Best decision of your (financial) live!

[@dr_pinna543]

Let's goo!

[@thedarkenspade]

This is the way

[@jazziepha206]

Hey hey hey!! Good luck on step 2!!

[@nilsschear1095]

One of the best frugal things I’ve ever done was quit drinking. I save a ton of money on alcohol, like $30 a week minimum plus I found that when I’d drink I’d spend even more on junk food. Plus I lost 25 pounds.

[@InicialesCMB]

Yeah but you’re not drinking alcohol anymore 😢

[@iiroyalty2519]

​@@InicialesCMBW

[@ChrisMason-h4j]

All the money you save by not having a few beers then hitting the Internet to buy crap you don't need 😂

[@crzxm]

Yes! I was just mad at myself this weekend for spending $70 on alcohol. I did score with a lady but it's not worth it. Then a nasty, nasty hangover. I poisoned myself. I've reached a point where I thanked God for allowing me to get sick and puking the venom out. It won't be easy but I need to continue my discipline.

[@RayTator]

Wow thank you for your input . I get it

[@MarvinOrieh]

George is quickly becoming one of my favorite money people. I love some good dry humor. Almost done with his book “breaking free from broke”

[@LordBass]

He's got his own style that fits with the Ramsey platform, but also stands alone. Feels like he's best positioned to carry Dave's mission forward another 30 years. 👍

[@Pizzageek-jc4xp]

I'm always cheered up when I watch George. He's one of the only influencers we really need.

[@MarieArter]

Loved ❤❤ when you recommended selling the horse because the horse “Doesn’t even know your name!”

[@CarlaQuattlebaum]

THAT'S the title. I saw it on one of his other videos but forgot the title. I may pick that one up. I'll read it myself, of course, but someone I know needs to read it as well.

[@jamesp8459]

Some of his advice is questionable or inaccurate but he is entertaining to watch, mostly just reassures me I'm doing everything right.

[@jeremiahm1413]

Since some are frugal with their time, here is the list for those wanting to get to the point: #1 Research Like Your Wealth Depends on It #2 Buy Quality Now to Avoid Buying More Later #3 When Your Back is Against the Wall, Sell the Horse (Drastic Times Call for Drastic Measures) #4 Broke People Pay Interest. Wealthy People Earn It #5 Always Be Knowing Where Every Dollar is Going (Every Dollar in your Possession has a Job) #6 If You Fall for the Trends, You'll Fall for the Traps #7 Pay Cash Now or Don't Buy Now #8 Never Spend Just to Save #9 Save for the Future, But Don't Lose Your Mind #10 You Can't Save your Way to Wealth (Invest Consistently) #11 More Stuff Won't Make You More Complete (If no one ever sees this, would I still buy it...?) #12 Solve for Freedom (Get rid of clutter, honor your mind and body, owe no one anything, practice gratitude, etc.) Bonus Rule: Be Generous

[@delta.001a1]

Thank you. George is exhausting - It's like 90 seconds of good advice and 13 minutes of insufferable dated pop culture references and non sequiturs.

[@beth3535]

I think George does a nice job of making his points quickly. I’m fine with his style. Thanks for this handy list! I do think he missed the one about avoiding waste.

[@FirstLast-fc7dt]

@@delta.001a1true😂

[@john-o1g9p]

god loves you...

[@john-o1g9p]

@@delta.001a1 agreed. i want information, not infotainment. i wish the entire crew provided a transcript. it's not just them. i hate banter. i just drift off and have to ''rewind''.

[@jameswood9772]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life

[@alexyoung3126]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .

[@williamyejun8508]

If you lack market knowledge, your best bet is to seek advice or support from a consultant or investing coach. Contacting a consultant may sound simple, but it's how I've managed to stay afloat in the market and increase my portfolio to roughly 60% early this year. It is, in my opinion, the best way to get started in the industry right now.

[@chris-pj7rk]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@williamyejun8508]

Rachel Sarah Parrish is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@chris-pj7rk]

I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.

[@ramsaybolton7464]

On baby step 2. I have 1300 saved. I paid off 4 out of 5 credit cards like a maniac. I turned so frugal everyone makes fun of me. Next I’m going to pay my upside down car loan off that I totaled last year.

[@shrikartummala8055]

Keep it up bro!!

[@sdgirlCook]

Awesome!!!

[@sane_d98]

So proud of you! Keep going😊

[@biometal770]

You go girl!!!! If you are a girl 😂

[@Billn1971]

Good job John Snow.

[@campbellhouse6569]

The less you own, the less you dust 👌

[@Sylvelourie]

Unless you have birds, in which case you have to dust constantly :D

[@jarrodfrankum]

Here you go. 1. Research like your wealth depends on it. 2. Buy Quality now to avoid buying more later. 3. When your back is against the stall, sell the horse. 4. Broke people pay interest, wealthy people earn it. 5. Always know where every dollar is going. 6. If you fall for the trends, you'll fall for the traps 7. Pay cash now, or don't buy it now. 8. Never spend just to save 9. Save for the future, but don't lose your mind 10. You can't save your way to wealth 11. More stuff won't make you more complete 12. Solve for Freedom

[@mascara1777]

Thanks, video was a waste of time I've heard all this before

[@gijns]

TY

[@PaulKatrina.]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

[@CraigLloyd-fz6ns]

Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

[@bernadofelix]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@SandraDave.]

this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@bernadofelix]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.

[@HectorWhitney]

thank you for this tip , I must say, Melissa appears to be quite knowledgeable. After coming across her online page, I thoroughly went through her resume, educational background, and qualifications, and I must say, it was quite impressive. I reached out to her, and I have booked a session with her.

[@katieee962]

I’m in no spend challenge this month. Just groceries and living necessities.

[@ZigZagPower]

I’m on baby step 4. Currently looking to buy my first house :)

[@dr_pinna543]

Location location location

[@StephZee.]

Woo, you got this !!

[@PoyTroy]

Congrats my boy

[@Piccolo_Re]

Buying when interest is insanely high.

[@joeltroughton3021]

7.25% interest?

[@lucasjohnstone1272]

My partner got $1000 off the mattress we needed. So proud of him. I’ve also been saving money on the holiday shopping this year because stores are doing the Black Friday now

[@michael.a.covington]

Your first point REALLY applies to people taking up complex hobbies (such as amateur astronomy, which I write books about). ALWAYS get the knowledge before you buy equipment. If you don't enjoy getting the knowledge, you don't enjoy the hobby.

[@corinnecox6855]

On the buying quality point-with our tight budget I’ve learned that for certain items it’s better to look for a higher quality item second hand rather than a new item of lesser quality. I stay within our budget, but still have the advantage of the better quality item. Also, there are so many times where we can live without or borrow an item from friends/family rather than buy more stuff.

[@lindawilson4625]

#5 Calling it a spending plan instead of a budget is so helpful for so many. Budget feels like a straight jacket and constantly saying NO to yourself where spending plan feels much more happy and free.

[@nathanhendrickson790]

I personally have both. my spending plan covers my goals for the year while my budget handles my day to day stuff

[@ryandefranco7740]

I have Cole Haan shoes purchased in 2014 that I still wear. And I also have that exact H&M disposable, single-use cardigan, complete with a hole in the sleeve.

[@carterthiessen2664]

Buying expensive, good quality shoes will be cheaper and better for you. Same goes for tires for your car, and your bed. Dont cheap out on what separates you from the ground is what my dad always told me!

[@cecestover3332]

2:14 I had to teach a 7th grade math class and I taught them the principle of when to choose quality. I said if you’re buying party supplies that you’re gonna use once, get it at dollar tree. If you’re buying a rug, furniture, something that you want to last a long time, pay more for quality

[@xWiiLLz]

I love the "Buy nice or buy twice" moto

[@alexsale1569]

Buy once cry once 😊

[@sohoyankee66]

My friend always said, buy cheap buy twice. Same thing I guess.

[@cristinab2263]

Lo barato sale caro

[@janeandrews1790]

If you have the money to buy nice.

[@johnplg2586]

As a 23 year old only making $36k/year, almost done with baby step 3, this gives me hope for my future. Just gotta find a way to increase my income. Thank you George for the advice! (Especially avoiding debt) You have no idea how many lives you’re saving from financial nightmares

[@d20a55]

“You ain’t frugal if you ain’t using Google.” 🤣😂 love it!

[@christianrodriguez5346]

I lives frugal lifestyle my entire life. My parents were frugal. It is an easy lifestyle if you are a humble person and know how to prioritize things you will be just fine. It is not easy though for people who don’t know how to manage money though. So it really depends on the person. My family is letting me stay at home after graduation to save and invest most of my income I have no loans either. I am paying $500 a month but I also will help them when they need me they are retirees. This doesn’t mean I won’t treat myself or my family. I will do so with moderation. The good thing about living frugally is that you learn how to live on way less than you make and still live in a great way.

[@DEE-o4v]

It helps to have parents who were WISE enough to teach you how to be frugal. Mine are....and I am thankful everyday for those basics I was taught. I am EVEN more thankful God blessed me with a wife WHO THINKS THE SAME AND WAS RAISED...the SAME WAY.

[@christianrodriguez5346]

@@DEE-o4v Now that my friend is a blessing. A woman raised with these principles is really rare. I am extremely happy for the two of you! Wish you the best!

[@jeremygermenis8036]

I dont know what it is but I have more enjoyed George's method of presenting content as of lately. Not the video editing but George himself. Keep it up!

[@GeorgeKamel]

Thanks Jeremy!

[@armandolopez6530]

Hey George just wanted to thank for all the guidance and inspiration, I've paid 22k in student loan and CC debt with only 1k left to pay ready to cancel my CC and start baby step 3. Thank you so much!!

[@RG-hf4et]

Be careful about canceling a credit card. Just don't use . Don't cancel it.

[@sohoyankee66]

These guys made me realize how ridiculous it was to pay on a credit card plus interest for something I bought months ago. Especially if it was dining out!

[@JP-oe4ry]

You didn't realise this yourself..without help?

[@DEE-o4v]

Paying interest on food you've already eaten....and shit out.....is about the biggest waste of money you can do.

[@christophersweetz7495]

Dont use the sinking fund for tires. If you need em you are risking a lot more by waiting. Get used tires to hold you over. Having a blowout on the interstate or hydroplaning into a telephone pole costs a lot more than a set of tires.

[@IronDiggy]

Re #2: If I need a tool or something I am not sure will be used daily I will buy cheap and if it breaks that generally means I use it a lot and I'll buy quality after. It has saved me a good chunk on tools that I only ended up needing occasionally.

[@ODZILLA]

"if no one ever sees this, would I still buy it?" Legendary mindset

[@TommyGunzzz]

as a Horse retailer, I'm going to call in the show and give you an ear full.

[@jakublanca5535]

Good on you for sticking to "sell the horse". You can't be holding onto your expensive hobbies into a foreclosure.

[@Zimbleton]

My wife kept her horse after we got married, and then stopped working. She said having horses was non-negotiable. I always resented that she expected me to pay for her horse hobby for over 13 years, despite us having large credit card debts. I kept a mental tally of the cost and worked out we could have saved $100,000 and bought a house. I once sold my car to pay off a credit card and she used most of the money to buy a new saddle. Horses are a machine that convert money and grass into poop.

[@tiffanysteen1845]

My clothes come from thrift stores not box stores. We used targeted savings buy all our cars now focused on eliminating student loans by getting more frugal and going back through financial literacy I coach others on to quickly pay thus off! I need remember to tell people how to increase wealth and they are their best investment! Never be frugal on personal professional and financial education!

[@AstonM6]

I'll drive a 20 year old vehicle, but I'm not giving up my horse.

[@brotherakuma]

As a pet owner as it comes a day where the quality of my pet's life is going down because I can't afford them then I Get them to someone who can

[@beth3535]

Mine is 8.5 yrs old. A Honda. 40K miles. It’s been a solid performer.

[@haleya9526]

"You can take the kids... but you leave me my monkey..."

[@BadMannerKorea]

Bought a 2024 GR Corolla, which I upgraded from a 2009 Honda Fit. Sometimes you just have to buy what you want.

[@judykeown]

My Xterra is also 20.

[@intensifier1346]

I remember when I was in my 20s in Chicago I couldn’t afford drink prices. I carried a flask of vodka in my sock and drank it between bars. Eventually I got caught by a metal detector so I switched to a plastic one. I am much wealthier than all my friends who made fun of. Creativity is the start to wealth.

[@IrisP989]

We didn't pay cash for our new fridge and floors throughout the house. Who shows up at a store with more than $16K in cash to pay for it?... We swiped our credit card and paid off the full amount at the end of the month. There is nothing wrong with not paying cash if you actually have the money.

[@donaldlyons17]

yeah Ramsey people always argue strange stuff!!!!

[@yvonnsterr]

I think what they mean is you only pay for it if you have the actual funds in your account, not necessarily physical cash. Like how paying in cash for a house doesn’t mean showing up with stacks of money but you can wire transfer that amount immediately.

[@lanceroparaca1413]

You ever heard about debit cards?

[@IrisP989]

@@lanceroparaca1413 Yes. We don't need it. Don't use it.

[@danieldavenport7162]

I love the library background. Really enjoy your videos, George!

[@MilaN-lt2mq]

I agree that buying quality products is a good saving strategy because you don't need to replace quality things for years to come. I have a yearly budget for clothes and shoes. If I don't spend it, it rolls over into the next year. That's how I was able to afford a Canada Goose coat, which keeps me super warm and comes with a lifetime warranty.

[@EthanPerkins-qq9qh]

I have been using a credit card for most of my purchases for most of my life, never paid interest. I have gotten rewards instead. To a person with self control a credit card can be part of a frugal life.

[@TopNotch50]

Have you priced a mattress lately? Ridiculous. Took me 4 weeks to decide on a new mattress. This really hit home.

[@jackg9526]

Like the chair and library setup… versus the interview-style desk setup.

[@PrJasonFerreira]

Same here!

[@thedarkenspade]

To each his own, I liked the other, it felt more real and casual, this feels more, "talking down" and pretentious

[@CarlaQuattlebaum]

That's an unusual bookcase behind him.

[@iamstarfox87]

Always enjoy your vids! I'm working down my debt snowball and packing a lunch daily to work saves $40-50 a WEEK!! That's $160-200 a month I get back in my pocket...to pay my debt collector 😂

[@Kevin-sr8yx]

Keep going! Eventually you’ll be paying your future self instead of your past self.

[@DEE-o4v]

I haven't ate out in close to 35 years (approximately around 1986) for lunch. Who the hell want's to have a nice meal and then go back to hell....excuse me, work? Waste of MONEY. If you do do it, don't drink on lunch...you'll only get into trouble.

[@JMBKrihm]

@GeorgeKamel I love your channel. I do love the desk setting better, but that is just me being picky. Love what you're doing. Keep it up.

[@zuzu2416]

Love you George! “…buy quality now… buy it for life…” should be applied to buying “durable, quality…” furniture from second hand sources. Solid maple, cherry, oak - even pine furniture can be found for pennies. It is durable, high end and bonus - saves so much money. We raised our family of 6 making a cozy comfy home using all second hand sold rock maple furniture. Style is very un-IKEA - and the warmth of natural wood makes home feel like … well Home! Our dining room set complete with 8 chairs, 4 table leaves, a buffet and a sideboard cost $275. at Salvation Army has welcomed our kids and grandkids every Thanksgiving for the past 40 years. We supported the SA programs, gave longer life to beautiful furniture to save it from dumpsters, while enjoying a budget saving bargain that has served happy memories and delicious food since 1989. Highly recommend furniture thrifting to save thousands!

[@Heightsomethinghuman]

Thanks George! Your vids are so fun and funny to watch, but always have that great takeaway!

[@Rockerlady]

George, can you make a video on how to start investing/stock market? For those of us who would like to start😊. There are a lot of KZbin channels talking about investing, but never mention the actual steps to start.

[@annai157]

1:51 I disagree that "Buy it for Life" is more frugal. Occasionally, it can be, but often it's not. The facts are - styles change, our weight fluctuates, technology improves. Think of that 8-track tape player you bought in the 70's, or that super-durable Commodore 64, or the polyester leisure suit. They might still be "as good as new" - but do you still use or want them? I prefer to look at every purchase as a rental. This will cost X dollars - divided by this will last Y years- and calculate the cost of using an item for the number of years it will last -and the number of years I'll actually *USE* it. And, sadly, the grandkids don't want to inherit most of your stuff you bought that still hasn't broken - even that great lime green polyester leisure suit.

[@suannefunk5967]

George!!! This is me!!! I research everything. My husband says I have analysis paralysis because I just have to get the BEST DEAL on everything! I use Mint Mobile and only pay $240 a year for cell phone service, Rakuten when shopping online, and love finding the best travel deals! I love your content!!! ❤😂😊

[@markg999]

Nice I can be like that...any tips or site you like for finding international flights?

[@tshadow6]

RE; fancy, trending cups. I emptied my kitchen cabinet to find the matching lid to my RTIC (cheap alternative to YETI) 32 ounce steel mug. I refused to pay $10 for a new lid. I knew I had the lid, I just had to find it.

[@jeffnunes741]

That's such good advice, man. Love it. I've been doing basically all of that in the last couple of years and it truly works.

[@itatreeneetee]

Hi George, I am kind of new to Western finances. Please can you make videos on these 'buzzwords' eg 401k, IRA etc.. bless you

[@xlerb2286]

"Buy the fancy boots", I wonder if he's referring to the "Sam Vimes Boots" theory. In any case I agree with the buy it for life theory. I spend so little on tools, clothing, electronics, etc because when I do buy I get well built items. And they aren't necessarily the most expensive items. For me the "spend more when using credit cards" bit doesn't work. If I have cash it's money I've taken out of savings and I just feel like it's ok to spend it because I know I have it - it's right here in my hand. If I'm pulling out the plastic though I know that's money that's going to have to come out of the bank account or I'll (shudder) have to pay interest. I'm way more frugal with a card than I am with cash. I can go months without putting anything but absolute necessities on the card but if I've got a few hundred in cash every shiny thing I see is a temptation.

[@kylegier]

Thank you! Switching to Tello from T-mobile. Was paying $42/month

[@Runner1of5]

I’m currently living check to check struggling to feed myself or have any extra money. I have a $569 car payment and no money saved any recommendations to get out of this also I’m constantly getting sick and struggling sleeping because of the financial stress.

[@EcomCarl]

Excellent breakdown of frugal living principles! Emphasizing quality over quantity and being mindful of everyday expenses are timeless tips that pave the way for financial stability and peace of mind. 👍

[@electrojag1]

In the trades they also say this alternative for rule number two: “Buy it nice or buy it twice.” It’s usually in the context of purchasing tools.

[@letaustinbuildit]

I love this video. Also, Tello advertising "an unlimited everything plan which includes 35GB of data" really adds a new meaning to the word "unlimited"

[@elivasquez5976]

I was considering purchasing a Ford Bronco Badlands, but after seeing the thumbnail, I believe it may be a sign.

[@egr3071]

I want a ford bronco too!

[@squirtohh]

I almost bought a Bronco Sport Badlands last year but backed out. Looking to buy my first home later this year now :)

[@elivasquez5976]

@squirtohh you got this. Our generation has such a pessimistic view on the housing market, but anything is attainable if you really want it. I just bought our 2nd home last year, at 25 and regardless of how I felt back then (Anxious) , I know today it was the right decision.

[@weicc84]

Rule number 1 hit the spot. Thay background look luxurious. They probably bought it after research the best installer.

[@treesarecool]

George- seeing your baby on the Ramsey Show today made my day. So happy for you and your beautiful family!

[@GeorgeKamel]

Thank you! It was a sweet moment

[@ron9665]

0:27 Frugalicious - Wasn't that sung by Fergie??

[@kokhanetsanna]

George, you crack me up! I enjoy your humor along with the great content!

[@DanielPerez-xo1tj]

That key lime pie yogurt line hit too close to home. I was so proud of myself I went with the $0.27 yogurts at the grocery store to save money and they were so gross haha

[@claytonrenner4709]

Buy it nice, or buy it twice. 👏🏻

[@daniel_503]

A lot of these suggestions are fine but some of them are unrealistic for most people or are downright objectively bad advice. For example, you should never pay your mortgage down early, instead invest those surplus funds into the market. You are practically guaranteed to get more value from investing more than paying your mortgage down early, especially if you have a

[@renelopez8227]

Youre probably right. But for dummies like me, not having a mortgage anymore has been one of the best choices I ever made. I will never, ever need to worry about a market crash, loss of work etc leaving me homeless. That peace of mind is invaluable for me

[@maryjanegreen7601]

I use credit cards to buy what I can afford, accrue points, and pay it off before being charged interest. I then use the points for gift cards. Free money.

[@toddbowers418]

Same here. But I wonder if getting all those points is driving my spending even if I can pay it off immediately.

[@maryjanegreen7601]

@@toddbowers418 I has mine, last month was bad, but I pulled back.

[@sals3379]

Thanks for the tips, young Jeff Goldblum

[@camillecrichlow8138]

These are things I’ve learned as I go from different sources and experiences but this is everything in one video 👌🏾

[@sallyprzybil2404]

You know what they say, George, French Bulldogs are the just the new mini horses. Sell the………..what?

[@MattMcConaha]

Debt isn't always bad and shouldn't always be avoided, you just have to acknowledge the cost of taking on debt and the benefits of using that debt to acquire things. Sometimes taking debt will be a net positive in the long run as long as it allows you to make more money, acquire cost-saving assets, live a more fulfilling life, etc. But I suppose that requires nuance and the average Joe with credit card debt is too stupid to figure it out, so I guess it's better to tell Joe that debt is bad and to avoid it.

[@darkside2493]

Please get these sites you are sharing to be part of canada too , americans and canadians should be together on this!

[@MusicalHifi54]

Excellent video! Thank god I learned these as a young adult but I wish I saw this type of video as a freshman in high school! Great financial and life tips.

[@TMPS93]

I've been writing in asking them to talk about Boots Theory forever and this video makes me finally feel heard.

[@JC-od3tg]

I have a checking account that I transfer to the same amount I spend on my credit card. I use it to pay the credit card after that way I don't spend money I don't have. I only use the credit card for my bills because the credit card gives me 5% back on recurring payments. It pays me 27 a month 7:34

[@TheApatheticGuy]

"Only do a 15 year mortgage...and pay it off early if you can" Thanks, George. Only good joke in the video but it was a slapper.

[@toddbowers418]

I did this and immediately saved $70k in interest by switching from a 30-yr. My payment barely went up too!

[@vintagecrazyjay4970]

The next title of George's book should definitely be, "Frugalicious!"

[@aka_nokuthula]

Single used disposable cardigans from H&M, felt that deep Cz I really have one that wore once and I can’t wear it out slide again smh.

[@jenniferjenkins3412]

George, you need to find another town to pick on besides Branson! It’s a beautiful place to live with a low cost of living, and the tourism here helps support my family. Yeah, it’s not for everyone, but neither is Las Vegas. Come visit, George, instead of Branson bashing! Thanks 😊.

[@andreawales1938]

George was steering people to Branson, Missouri, to have a nice (similar) vacation without the cost of Las Vegas.

[@IsaacSchultz]

Ive been involved in the wild horse programs on public land... People are very passionate about horses.

[@nigellbutlerrr2638]

I am very careful with the money 🤑. And I am debt free, mortgage free, credit card free since 1990. 34 years zero debt.😂🎉. I never drink coka cola, etc 🎉😂 never bought an Apple computer product, etc

[@dcbfan1231]

My sister and nephew were at that giant pistachio in Alamogordo, NM just a few weeks ago. They brought me some pistachio goodies and was so delicious. I highly recommend!

[@CarlaQuattlebaum]

I guess I was decades too late to see the giant pistachio. I was stationed there in the late 70's - early 80's. And George -- just run it all together: Alamogordo.

[@benjaminpevzner6261]

Going to be done with step 2 next week, man that was hard

[@gmanalu]

"Everything is 100% off, when you don't buy it." I'll remember this for the rest of my life.

[@pishi1990]

OMG ❤❤❤ this information should be shown at colleges . the credit card industry is horrible

[@ashleybooth88]

As we say in the UK " buy cheap, buy twice!" Buy the best quality you can it'll pay off in the long run ❤

[@jeffs.3348]

Great video! 10:02 timestamp is what many people do with credit cards who are smart. I know Ramsey solutions is against credit cards at all costs. But if you’re going to give sound financial advice across the boards, you can’t ignore people who do this well. Daycare is a fixed expense for me and so are my bills and office costs. Cash or card they’re the same. There is no discount for using cash versus a card. It actually makes no sense to pay with cash. If I could create a movement where we lower cost because credit card companies no longer exist, then I’m all in! I’d like to see a little more representation for what people can do with credit cards instead of feel like an outcast :-). I love your stuff and I will keep watching!

[@CrunchyCereal42]

Oh yes! Buy it for life!! I just got two pairs of these keens boots that feel amazing and I know will last a long time ^^

[@SmartyPantsDash]

Paying off all debts this year🎉

[@dl6262]

Nice work, Kamel toe

[@Sorrrrrryishotyou]

I’m all for tipping because I’ve worked in food service before. But when did the low bar become 18%

[@RP-pj8bn]

10000000% I was living paycheck to paycheck and roughly $50,000 in credit card debt. Finally I had enough. I sold my “fancy” Dodge Challenger and paid off all my credit cards after a few months. Now my wife and I live at 28 and 32 with a net worth of just over $500,000. We have a paid off car and focusing on eliminating the mortgage

[@RP-pj8bn]

Only thing I want to note regarding interest - you are taxed at a higher rate for every penny you earn on interest. So keep that in mind.

[@Katelyn3666]

Consumer reports can help with the research part of things. Also Amazon reviews are helpful.

[@Saldner7278]

Thank you sir

[@Capitanvolume]

Depends on the interest rate. My mortage is 2.9%. Why would Ipay that off when a promotional interest rate high yeild daving accounts pays more. Even the inflation is erroding this debt.

[@AskformeJohnT]

For step 2 I will buy the cheapest version if Im unsure if I want it or not. If i like it and it breaks then I'll get the good one

[@durial702]

I like to call rule #2 (Buy quality now to avoid paying more later) as "Buy once, Cry once."

[@eliantomasup8286]

If you’re not in the financial market space right now, you are making a huge mistake, I understand that it could be due to ignorance

[@eliantomasup8286]

The daily jesus devotional has been a huge part of my transformation, God is good 💯💯🙏was owning a loan of $47,000 to the bank for my son's brain surgery (David), Now I'm no longer in debt after I invested $12,000 and got my payout of m $170,500 every months, God bless Tracy Britt Cool..

[@saturninagoetter9535]

Hello how do you make such monthly ?? I'm a born Christian and sometimes I feel so down of myself because of low finance but I still believe in God.

[@natelie2617]

She is my family' personal Broker and also a personal Broker to many families in the United states, she is a licensed broker in the United States.🇺🇸

[@Dylanchris8048]

After I raised up to 75k tra d ing with her I bought a new House and a car here in the states also paid for my son's surgery. Glory to God.shalom.

[@Mariacarlos11]

Wow that's nice She makes you that much!! please is there a way to reach her services, I work 3 jobs and trying to pay off my debts for a while now!! Please help me. 😢

[@cardplayer21]

I thought I’d be frugal as a finance major in collage. Now I’m 26 making $300k and only manage to put away $20k a year. Making a lot costs a lot. When you spend all your time working you need to pay to outsource the other stuff.

[@user-xt6tw4fr4w]

"Sell the horse". 😂😂😂😂 Agreed. Any pets if they're hindering a good life.

[@weicc84]

That chair is discounted or in the buy it for life list

[@majormushu]

Yes. Yes. Yes. On rule #2. People gawk at some of the price tags on the things ive bought but they are items that will last forever as long as i treat them right, and i do. My high quality genuine leather black dress boots from a reputable retailer were expensive as fuck but as long as my feet dont change size the most ill pay again is for polish and to eventually get them resoled every decade or so.