12 Rules For (A Frugal) Life

[@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!!

[@AvalonMisty]

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

[@ausis6214]

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.

[@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.

[@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.

[@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.

[@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

[@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 😂

[@bill4632]

Good job John Snow.

[@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.

[@campbellhouse6569]

The less you own, the less you dust 👌

[@Sylvelourie]

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

[@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.

[@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?

[@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.

[@Riggsnic_co]

Great video, I've been interested in investing ever since I came across articles of people making up to $150,000 and more in this period, thanks for the video but is it really possible for a retail investor to achieve this in months?

[@Ashley186fre2]

I've purchased numerous stocks in individual firms. Because there are so many stocks that will skyrocket in the long run, it is currently safe to buy in on ETF and ride it out. Due to fud, I sold out early, but then retraced my ways and re-invested $350,000 with a financial advisor who manages my account. I received an 82% return last year and will see where it goes this year.

[@martingiavarini]

that's quite impressive, you surely made a good bit of money. I myself invested in warren's BRK-A stock quite pricey but totally worth it.

[@Syndiewndell]

I just started a few months back, I'm going for long term, I'm still trying to wrap my head around it, who’s this advisor you work with ?

[@martingiavarini]

'Carol Vivian Constable’is the coach that guides me. She’s a verified coach and she helped me see that returns can be made in both bull and bear markets. She covers things like investing, insurance, making sure retirement is well funded and looking at ways to have a volatility buffer for investment risk, lots of things like that.

[@martingiavarini]

Credits to 'Carol Vivian Constable' she has a web presence, so you can simply

[@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.

[@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.

[@katieee962]

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

[@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!

[@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!

[@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.

[@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

[@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.

[@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!

[@reneenyberg4832]

The sell your horse advice hit me hard. I was a full time wedding photographer for 15 + years. I retired over year ago. I just recently sold all of my equipment. I hadn’t pulled it out of the bag for 12 months. Selling it will help me pay bills for months, but it was painful to part with. I needed to hear that it was ok to sell it. I regretted my decision. But it was the best decision. Great video.

[@danieldavenport7162]

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

[@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.

[@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

[@jackg9526]

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

[@JasonFerreira]

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.

[@sallyprzybil2404]

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

[@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

[@d20a55]

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

[@TommyGunzzz]

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

[@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!

[@dillarddillard-p4e]

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

[@DavidB.Fischer]

Gotta lay off the white claw and get a dollar coffee

[@sals3379]

Thanks for the tips, young Jeff Goldblum

[@vintagecrazyjay4970]

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

[@user-xt6tw4fr4w]

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

[@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

[@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.

[@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.

[@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!

[@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.

[@tgayer1]

Went to the grocery store today and needed to buy some almonds to take on a trip. Would’ve saved 30% on a second container, but I didn’t need a second container. So I didn’t buy it! Money saved! 💪😂

[@zzz6valvoline]

I don't know why anyone would buy anything other than a Toyota or Honda.

[@marykekana2419]

Hyundai

[@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.

[@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.

[@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.

[@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!

[@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.

[@marke9817]

“You can’t save your way to wealth.” True, but you can certainly spend your way to poverty.

[@Thehappybirder]

I refinanced my house at 3.5%. I don’t plan on paying it off early because I make 3x that in my retirement account, so paying it off early would seriously damage my retirement account.

[@AmyS-wl8ht]

If you pay off your mortgage you can put 100% of your mortgage money in your retirement account

[@BadMannerKorea]

@@AmyS-wl8htYeah but you’ve lost out on the total amount of the paid off mortgage that would be compounding. It makes more sense to keep the mortgage, if he’s okay with the risks.

[@tomnroLindeman]

And does your savings = your mortgage? Because for it to be a fair comparison the quantity matters

[@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.

[@durial702]

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

[@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. 👍

[@willgrinstead8873]

George, can we finally at long last get "sell the horse" merch?

[@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.

[@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.🇺🇸

[@Dylancool8048]

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. 😢

[@dl6262]

Nice work, Kamel toe

[@simonomilan]

I am avoiding debt , saving and investing around 40 percent of my income. I have a high paying engineering job, and I live upstate NYC. since covid 19 my expenses are extremely low. I have zero debt on a 7 figure portfolio, low rent and car paid off. So i can just save. feel lucky and grateful my fiduciary came into play.

[@oliviarenereyes]

Truly It's all about using assets with compound interest to amass riches

[@MargotCrest]

I’ve actually been looking into the market lately, the news I’ve been seeing hasn’t been so encouraging. who do you use as your fiduciary ?

[@simonomilan]

@@MargotCrest ANNA ROUNDS FAY' is her name. In her area, people consider her to be a genius. Look her up; she's well regarded in her field.

[@stanleyfujiwara1394]

@@simonomilan Thanks for the tip . I'll also look into her work and reach out to her, but not for me.. for my kids. I'm very satisfied haha

[@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.

[@john-o1g9p]

will never agree to #7. i get no discount for paying cash. i ask. i want to break even on the 2-3% mark up stores bake into thier prices because of merchant/ card fees. using my 3% cash back card at least zeroes out the ''hidden fee''.

[@darkside2493]

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

[@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.

[@weicc84]

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

[@IsaacSchultz]

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

[@LifeisGoodtyGod]

7:00 yes you will spend more using a credit card, but if you do zero dollar budgeting and actually stick to the budget, this tip is moot. As you point out, it requires discipline, but thats why you budget. If you have discipline and stick to your budget, you can beat the credit cards system and reap the benefits. BUT, its not for everyone, so I get why the Ramsey team recommends doing away with credit cards because most ppl don't have that level of self-control.

[@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.

[@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

[@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?

[@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

[@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

[@TopNotch50]

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

[@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.

[@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.

[@d3rsch0rsch]

I pay 0.97%, 20yrs fixed for my mortgage (in germany). So absolutely 0,00% sense in paying it early in my case.

[@gingerfication3375]

I’m moving to Germany.

[@d3rsch0rsch]

@@gingerfication3375 Loan ist from 2021, No Chance to get this interest rates at the moment. I choose 20yrs fixed rate back then, even it was more expensive back then, than choosing a 10yr fixed rate. Best financial decision in my life.

[@d3rsch0rsch]

It's from 2021. No chance to get such rates today.

[@jrbluedup]

…you can pay it early to own your house and pay off the debt..

[@d3rsch0rsch]

@@jrbluedup Thats right from a "psychologig" Point of View. But mathematically it makes no Sense, when i get 4% in a high yield savings Account instead, or even more in my ETF Portfolio.

[@katiecrisp7131]

New favorite saying - "Whatever flips your flops" 😂

[@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.

[@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.

[@sindrekdn]

Love the set change

[@cita_m]

A sinking fund, in my mind, is the same as making payments. You just make payments for an item before you buy it, and you pay less for it be sure you don't pay interest on credit card payments.

[@gijns]

Anyone addicted to spontaneous ad hoc grocery runs?

[@HangingwJK]

Oh my goodness. This was hilarious and informative. George is the Mr Beast of frugality. 🔥🤣

[@kylegier]

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

[@robertschaefer3223]

How is this for frugal? I still use a flip phone.

[@roxanneldeleon3801]

I'm on step 3 😊

[@TMPS93]

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

[@bikinglemur7738]

No credit cards is an insane rule, especially if you're someone who travels a lot. At least if you're a grownup who can make a budget and stick to it

[@danielmckellar397]

That was so funny when he brought up Marco’s because that was my first job that I bought my first car at for 2 years and know I’m making almost double what I was making only a year later

[@MAXLevel-russianbarrier]

new setup goes hard

[@camillecrichlow8138]

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

[@TScottW99]

Baby step #6 and I'm seeing the light at the end of the tunnel. For those wondering, no, it's not a train 😁

[@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.

[@sharongenco3716]

Love your bonus tip. ❤️

[@Katelyn3666]

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

[@mattschipiour8166]

Financial Jordan Peterson. I love it

[@ron9665]

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