Agree To Disagree | The

[@MinorityMindset]

Thanks for having me on George, what a fun time! 🥑🥑🥑

[@user-strength10]

i'm hitting up chipotle and getting extra guac after this episode, cool collab (as i follow both your guys channels)

[@tiagoj8020]

@@stevenporter863 so never buy a home then. Pay your landlords appreciation.

[@stevenporter863]

@@tiagoj8020 Did you listen to the clip? It is something you buy as an indulgence with wealth, not to rationalize it as an investment.

[@sglacf]

Very impressed with your logic in all these questions sir, thank you!

[@zonafortier]

Where do you go for suits in Detroit?

[@humphrey]

This episode was fun to film and challenged my own beliefs about personal finance! George - thank you for having us my man

[@crashtestdummy1972]

You were great on this episode man! Love your channel too!

[@humphrey]

thank you appreciate it!@@crashtestdummy1972

[@jacksonbilly9979]

I enjoyed see you on this show. Was a great show

[@ErinTalksMoney]

This was a really fun video to watch! You are all wonderful! 😊👏

[@SteveYoung49]

Can we get this as a series? Podcast? Gameshow?

[@John.Marquez]

The Avengers of personal finance! What an awesome collab 🔥

[@raymond_sycamore]

more like the marvels... total flops

[@demodemo5146]

Caleb would be Hulk

[@dioniciarodriguez-rs9zc]

This is one of my top three George Kamel episodes. 👏🏽👏🏽👏🏽👏🏽. Great views on finance. Please do a part 2

[@middleagedrenegade9178]

As others have said, I'd love to see more collabs with people of differing opinions. Such a good episode, and helps prevent the channel turning into an echo chamber.

[@Arnold001-1]

Best idea Ramsey has had. Collabing and creating this type of content

[@Joey_DiGs]

You sure it was his idea? Wouldn’t be surprised if it was one of his younger gen workers that pushed it. He has said most of his company’s income doesn’t come from his involvement nowadays

[@Arnold001-1]

@@Joey_DiGs when I say “ramsey” I mean the show as a whole. Whoever came up with it under the umbrella of the “Ramsey” name

[@Joey_DiGs]

@@Arnold001-1 gotcha

[@everardocalderon8720]

@@Arnold001-1 It was Rihanna the one under the umbrella bro.

[@victorblas3483]

First generation Mexican here, my parents came here with nothing. I saw how hard my dad worked, and I did the same growing up. My big advantage was qualifying for a full ride to a private university since I came from a low income household. Now I make six figures, trying to pay off consumer debt so i can get through the Ramsey Baby Steps!

[@frev9460]

Ayyyyy! Heck yeah do it Hermano. I’m 3rd generation and I watched my family struggle even though my dad worked hard too. I joined the military to have my education paid for. I hope to be able to make six figures one day too. Took and instructed Ramsey FPU classes so I can at least know what to do with that much money when I get it lol! Good stuff

[@Dividendflywheel]

Ramsey baby steps work. For those who really “drink the cool aid”. I can guarantee it works. From a BlueCollar Millionaire Truckdriver

[@victorblas3483]

@@frev9460 orale hermano! Yeah for sure I'm a senior Software developer now and pretty much doubled my starting salary. That's awesome you got this!!

[@elchapojr6219]

Same here Mi Amigo, being first Generation parents from Mexico 🇲🇽 as well making 6 figures the hustle is real especially for a minority.

[@victorblas3483]

@@elchapojr6219 for sure, glad to hear it!

[@ItGetsDone]

You should interview people who have gone through the baby steps and ar in different parts of the journey. It would be cool to see the difference of how the mentality changes throughout the process first-hand.

[@IL_Bgentyl]

Budgeting is like dieting. It’s about being aware of what you’re eating/consuming.

[@tyd2k1]

Great conversation between the three of you George. I’ve been following Jasphret for years on Minority Mindset, and thanks for introducing me to Humphrey. Ramsey Solutions for the win!

[@Asianator3000]

Humphrey seems like a chill dude to hang with

[@emilycruz809]

This was really refreshing to see minorities represented in this conversation. Everyone was sensible and still very honest. Looking forward to more content with younger generations and bringing women voices to the table!

[@Lancelot0311]

Being a Minority does not matter at all. Neither does being a woman. Why should it matter ?

[@flybyav8tor]

This was a great episode! To create wealth you have to create something that helps a lot of people. We took our household income from $180k to $518k in 3 years by starting a business. We took 18 months to become debt free, saved up another year to save 6 months of living expenses beyond emergency fund to live on while opening the business and getting started. We opened in 2020 and made $32k that year, living on nothing, delivering pizza, working on business at night. We had experience with rice and beans and that was a big part of our success. That’s mind blowing 🤯 now. Now I’m learning about taxes since we paid / will pay over $100k this year. Now it’s time to use our earned income to create passive income, and depreciate assets to pay less taxes and use that to feed the machine. We are 37 and don’t have a lot of time to create generational wealth. Let’s go!

[@sasukesuite1]

Gotta respect George’s hustle. Collabing with some of the greats of KZbin finance.

[@avaisabella-n5b]

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions

[@NicoleWillams-d1q]

Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.

[@margie-b2v]

Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@dannyowen-k4y]

Please can you leave the info of your investment advisor here? I'm in dire need for one.

[@margie-b2v]

Monica Shawn Marti 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.

[@dannyowen-k4y]

Thank you for the recommendation. I'll send her an email, and I hope I'm able to connect with her.

[@KarenLavia]

In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.

[@RaymondKeen.]

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

[@CraigLloyd-fz6ns]

That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional guiding you?

[@RaymondKeen.]

My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@Derawhitney]

I checked Melissa up out of curiosity and i must say i am impressed by her Credentials. i emailed her already, waiting on her response.

[@peacephan2974]

If I was you (not advice), I would look into high yield Savings accts as start. Than look for a financial advisor.

[@kasession]

George...GREAT SEGMENT!!! 👍🏿 👍🏿 👍🏿 I look forward to you continuing it!!! 😍

[@Optimus-Prime-Rib]

More collabs like this please

[@jasondima1411]

Minority Mindset is another channel I listen to a lot. Classic episode!

[@jayc4715]

It's repetitive

[@banksy1311]

Looooooved this collab!!!! Minority Mindset be looking sharp, dressing like an Indian king 😉

[@debbielockhart7762]

Love it! My partner is Punjabi, and I think they are very handsome.

[@TheSteinbitt]

@@debbielockhart7762they? Gender dysforia stuff?

[@elliemin5076]

As a ninth generation American, I find this fascinating. My ancestors came to America for religious freedom. We have been involved with farming all through the years. None of us have a higher education. We all have a good work ethic. We live comfortably with very little debt. We probably are worth millions because of our farmland, but we are just common everyday people.

[@Mactakun]

By the 3rd generation a family is completely integrated into the culture. I don’t know why you specify 9th generation 😂 that’s like 20 years after America was founded.

[@SuzanneU]

Many millionaires are quiet everyday people! Including first generation US citizens.

[@amitray6614]

I have been watching Jaspreet and Humphrey for quite a while. And recently started watching George (and also now listening to his audiobook narrated by him, and he's so funny, great book, totally recommend). Three of the best brains - learnt so much from you guys! Thanks for this episode George, it was great watching you all together.

[@HarrisonVideoDump]

I love this segment!!! Three of my main finance gurus in one room. More of these George!

[@drhoads08]

Hey George, I like how you created a safe and cordial space to have a debate. Very impressive how you handle it. Props to you my dude!

[@ManvsMoose]

"One does not simply GUAC into Mordor..."

[@May-qb3vx]

Underrated comment

[@1LineAtATime]

😂.. love it!!

[@SuzanneU]

I CHOSE to max out my 403(b), chose my asset allocation, got free money - and have built a nice nest egg. I also have a ROTH, a CD ladder, a HYSA, and a brokerage account.

[@lisal7251]

This is one of my favorite shows so far. It was nice to highlight different points of view. This was presented with such grace. Thank you for sharing different insights. Loved it!

[@AdamDenison]

I appreciate that y'all would bring on different viewpoints.

[@retirementbudgettravel699]

Wow!! What an awesome colab!!!! Appreciate you reaching out to other KZbinrs!!! Great video!! 😁👍🏼

[@kevinparks2286]

I have a feeling George could be very well respected if he left the Ramsey umbrella. He is very open minded. I watch this channel more than traditional Ramsey now lol

[@ItGetsDone]

What an awesome episode! I love the ability to disagree and still have space for free thought. One of my all-time favs.

[@Alexis-wu7gk]

I love the colab! Great to see a nice discussion on different perspectives.

[@Dividendflywheel]

Collaboration not Competition. A sweet fragrance from positive minds😊

[@lilya.6234]

❤❤❤All three of my favorite financial KZbinrs!! 🙌🏽 Now we need to bring on Ramit Sethi 👌

[@jessejustsick]

Jaspreet is the man! So glad to see you doing a video with him

[@aiko3423]

wow, id never thought I'd see this colab. i watch all of you guys all the time. Thank you!!!

[@JarredC]

Really like this new segment/series!

[@jaimemarquez2597]

All my favorite KZbinrs in one spot! As for the first generation in America, at the least there is a different perspective based on very different past experiences.

[@jared19882]

The fact they give Americans credit that they can save and not blow their money unless its tied up in a 401k is baffling to me. 100% agree with Kamel on the 401k question.

[@hydspirit]

Have them again, this was so fun....and respect to you to have influencers on different platforms being interviewed on Ramsey solutions

[@puravidaot]

"BELOW!" lives in my head rent free

[@Thejobbooks]

3 titans of the finance. Congratulation George and God Job to make this possible.

[@itskelvinn]

I’m completely shocked by all of them saying it’s best to pay off house asap

[@dareeltoro6681]

Because they all have a lot of money or so they portrait themselves as such. Houses are bad investments. I bought a house, only because I want to make memories in it with my family.

[@BarSalad]

Well, the *huge* caveat was that paying off your house asap didnt mean stopping other investments. Most people don’t have enough money to fund a 401K, max an IRA, and also expedite paying off a house. To me, several of their answers came with significant caveats to the point where they didn’t seem applicable to the common person. I get that it helps with views though

[@LtZesty]

Because this is a Dave Ramsey spin off, what do we expect? Haha

[@everardocalderon8720]

@@dareeltoro6681A house is a bad investment, so you believe renting a house is better and never see your monthly rent money back and not having the privacy or comfort to do whatever you want? You’d better rent or be homeless? What?

[@dareeltoro6681]

@@everardocalderon8720mortgage monthly is not just the payment you see/pay a month. You have to account for taxes, phantom costs like maintenance. Investing will give you a greater return than a house.

[@StrategicMom]

This was the best segment I have seen in a long time. Excellent. Sharing❤❤

[@EverchangeMC]

I watch Humphrey Yang and you often. It's great to see you two talk about thing together.

[@rachaeloregon38]

The socks man. ❤ love it!

[@christopheraquino4711]

Great blog a combo of 3 of my followed youtubers. It was relaxing to watch, no one tried to feel superior but focuses on learning. Thank you all.

[@AnthonyJustice-i9x]

You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller

[@stephaniebeddis8069]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@sole27ore]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@GrozaGroza-ko7fn]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@mikesnoek]

I'm new at this, please how can I reach her?

[@AnthonyJustice-i9x]

Sure! She interacts on what's App using the digit below 👇

[@hannahhensley8497]

Love to see how you guys are branching out!!

[@LadyMatriarch.]

Getting some GMM Vibes! Love it! (Good Mythical Morning)

[@caiolima4752]

14:13 Humphrey couldn’t hold back the laughter 😆

[@mirainoivuyo984]

I love Jaspreet’s content and I love that he is sharing about his life here. ❤

[@ParkDari]

What a great new series!!!!!

[@Shreeree441]

I never thought I’d see a video with George and jaspreet I’m alllllll for it!!!

[@abrareads]

I am conlicted when it comes to so many starter homes being bought as rentals. It is making it harder for people to enter home ownership.

[@Asianator3000]

Yup. Decommodifying housing someway would be beneficial to society

[@abrareads]

@@Asianator3000 although, I am leery of a corrupt government regulating housing. What do you mean by decommodifying and how could that happen?

[@Asianator3000]

@abrareads decommodifying housing in my mind would be making housing less of an investment by giving home buyers that do not currently own property a better interest rates/ down payment assistance etc. Etc. and giving home buyers that already own property higher interest rates or a requirement to put more money down. In my mind this only applies to single family homes. I dont think this is excessive government regulations. But I don't think people should be able to use an fha loan when they already have a property. Thoughts?

[@abrareads]

I think that makes sense. I agree that the federal government should not be backing loans for anything but primary residences. There are interesting ideas in the world that could actually help people that governments will not entertain.

[@gabrielgonzalez6456]

I disagree to an extent, there’s a supply issue with home buying. Lots of homes or apartments are owned by foreign investors. I would limit foreigners to buy homes or rentals. Most of the year they’re either empty like in Florida when Canadians come down during winter or other parts of the world to visit. The supply would increase with these empty homes that demand will decrease significantly, therefore lowering home prices.

[@funtechu]

Absolutely love this format, and Jaspreet and Humphrey Yang are two of the better financial KZbinrs out there. So awesome to see them on here!

[@manuelelizondo2778]

My wife and I are totally opposite about money habits and always argued about this topic, so I decided to open my own account and it was the best decision, I pay mortgage and she pays the small bills and whatever is left we are free to do as pleased

[@obama7325]

so basically you just pay most of the bills

[@Nisa-gm5wg]

@@obama7325no, those small bills will add up especially if she pays for the groceries. My hubby and I have separate accounts like that but we sit down together and plan what to do with the extra money. We are debt free and have no mortgage so now we have more money to save and invest. They need to learn to work together. We do and are retiring in 3 years (ages 51 and 55). He will get his pension and healthcare is covered. He’s a pastor as well and we can live on that income alone. We won’t need to use our invested money even when we get 59 and a half. Working together works

[@miracleman75]

My family immigrated here from Greece. They had the same mentality. Be a doctor and if you fail be a lawyer. At the same time they sweated their life out in the restaurant business to pay for our schooling and life. By the time my cousins became doctors lawyers and judges the family restaurants were making more money than doctored and masters make because the business was established and the overhead/real estate was paid off. My cousins who stayed in the family business and didn’t go to school made the most money. I am the anomaly who did neither.

[@kristinrhine7886]

This was a fantastic episode! Loved all the different perspectives!

[@nikkibadzik3948]

I loved this episode. I love the openness

[@todd2456]

George - this was great --- we have 1 joint account but at the same bank, we keep 2 separate "fun money" accounts that we can spend whatever we want. When we log on to the bank, all 3 accounts show up and are linked together. Isn't this the same as having 1 account - but it just separates (almost like a bucket account) the balances so we can spend that money on things we individually want to buy?? We generally fund it once a year that covers us for the entire year. She has roughly $10K per year, and I generally fund mine with $7500 per year.

[@michelleroman1102]

Ive all 3 before today. Thanks George your great.

[@EricsonHerbas]

Fantastic show, great topics and editing. Excellent question & answers too.

[@raymondctchow]

I love the last question because the dif between credit card and debit card is just the order of payment!

[@tiagoj8020]

One of the best episodes ever George! Keep it up!

[@kylebussert6032]

It hurts my soul that I can only like this video once. Great conversation, appreciate it.

[@DNaupari]

That 30 second guac diatribe was everything to me 🥹 thank you George

[@Jawrathful]

This IS a great watch!

[@FossKhan]

Genius new series

[@buckibanker]

Love this episode. I definitely would love to see more of these collaborations with finance influencers fun to listen to multiple perspectives

[@vuyanipatekile4605]

BEST VIDEO 💯💫.. I'm a Chartered Accountant, and I'm looking foward to managing my finances very well 💫

[@tpolarbeart]

As someone with over a 820 credit score and debt free for over 5 years you don't need to have any debt to have a good credit score. In fact having debt lowers your score. You want to have available credit with no balances.

[@Sam-gc9yp]

It's just a stupid system that's designed to keep people poor. The banks and credit card companies LOVE IT

[@oneshot1kill158]

That's not true.... it's about age... payment history.... and avaliable balance .... balance is not even the biggest factor it's really age.

[@tpolarbeart]

@@oneshot1kill158 exactly! This is why you don't need any debt to have a good credit score. Just having open accounts like credit cards is enough to get you a high score .

[@Sam-gc9yp]

@@oneshot1kill158 you can have zero history zero score and zero debt and borrow money from yourself and get a 700 in like 3 months

[@shahneesewilliams3475]

I so enjoyed this episode. Great perspectives from everyone. Im following Jaspreet and Humphry now to make sure I stay well rounded 😊

[@JonathanJudice]

Glad to see you @Humphrey

[@MrTripleAgamer]

George you are like a fine wine, getting better with time and better with food (guests) 😁 seriously tho love the new content!

[@christinab9133]

Great and respectful discussion! ❤❤❤

[@FeelGoodFI]

I like how rounded this conversation was. Also nice to see Jaspreet and Humphrey in a more casual setting.

[@janineclarkson3991]

This, more of this please 🙏 liked and subscribed, clips on frugality are all well and good but a 3 way conversation deep diving into the mindset behind financial decisions between 3 people active in these areas now is just wonderful

[@sgist7824]

So refreshing to see a Ramsey universe video that's open to other views and not ramming ideology down people's throats. Well done all

[@chelseahelton9538]

Enjoyed seeing the three of you with different views able to be respecful while having fun.

[@CPMom83]

Great episode! Loved hearing multiple views

[@barnabusdoyle4930]

A big issue with 401k is that they lock you into a mutual fund selection that are normally terrible due to high costs or low performance.

[@andrewcostello5902]

This was AMAZING! You have earned my subscription, PLEASE keep up the great content!

[@joelmolinares8434]

I watch all three of these guys. I did not see this coming glad you put it together George

[@mariquitademira6539]

Brilliant idea to have a collaborative show! Loved seeing the different perspectives from my two favorite personal finance YTubers who have educated me and helped me increase my networth! 🤑💰

[@rogerwellington8829]

Definitely learned A thing or two. Great help fellas

[@lindseywaldrop5937]

Keep this series going!

[@akuawiafe9412]

This was a fan episode George. Loved it 🇬🇧🇬🇧🇬🇧

[@TonyGriffin-zd7sv]

Thank goodness you brought this up! Truly, investing has changed my perspective on how one can succeed in life; working multiple jobs isn't the optimal way to attain financial freedom and unfortunately, we discover this later in life. Currently earn as much as 10 grand weekly and this has improved my financial life. Great piece!

[@DongaiTmorten]

Do you mind sharing info on the adviser who assisted you? I'm 39 now and would love to grow my portfolio and plan my retirement

[@TonyGriffin-zd7sv]

She's OLIVIA SULLIVAN FINANCIALS

[@Kseho-f8s]

she's a known advisor. I actually did look her up curiously and went through her credentials on her webbsite... Top-notch! I wrote her an email, hopefully she's accepting new intakes.

[@KateWilliams-gn5qr]

I'm definitely gonna check her out. Do yo have any idea if she manages family fund?

[@Jayden12934]

Getting Olivia Sullivan to help me really helped me clear all my debts. I started with what I have left and it's been the best decision I ever made

[@Outspoken2012]

I love the three of you on this episode. It's so great to hear differing financial opinions. Great video.

[@zeppmom]

This was SO GOOD!! It was fun AND educational!! Always looking to broaden my field of experts!

[@carieyounginsurance]

5:43 absolutely agree…and that’s how I’m gonna do it…! George is right here for * most people

[@Dividendflywheel]

Agree. I have several colleagues at work who retired with 401k accounts above $2 million. They plan to use the 4% Rule and have more than their annual expenses

[@dangeles95]

Jaspreet was my second financial personality I started following after Dave. And he is the only one I still listen to. Great show and glad you brought him on!! just bummed that you didn’t address the glaring hole in Dave Ramsey’s investing philosophy… Mutual funds. Especially versus ETFs.

[@arh1234]

There are index options for both mutual funds and ETFs. Most major brokerages offer basically the same investment as either format (e.g. VTSAX vs VTI)

[@Kingwest773]

Great episode. always good when you mix/feature people we appreciate 👏🏾

[@ericaterrones16]

This was awesome!!! I like that I found 2 more people I can follow for financials!

[@philsky888]

I absolutely love this episode. Do more!

[@lovetoreade4954]

Very interesting. I watched to the end👍

[@ElsnaGz]

Now this was a great episode. Probably the best financial video I’ve seen in KZbin in the last 5 years. Would be a great channel with you three together

[@ruthclark8680]

George,..... You are getting closer and closer to a MILLION subscribers!!

[@MichaelCarrPilot]

Excellent series. This made some great conversation between partners. Looking forward to more.

[@29_lets_go]

This was great and a FAST 30 minutes. I'd love to see them on your show again sometime.