How I Went From Broke to Millionaire In Under 10 Years

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How I Went From Broke to Millionaire In Under 10 Years
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George Kamel is a personal finance expert and co-host of The Ramsey Show. Following Ramsey’s proven money plan, George went from negative net worth to a millionaire in under 10 years. His goal is to help people spend less, save more, and avoid money traps so they can live a life with more margin, options and freedom.
This channel will simplify complex money topics, bust money myths with actual facts, and debunk the stupid financial advice you're seeing in your social media feed. All with a healthy dose of pop culture, humor, and snark.

[@BrewNoCarbs]

I am 27 and i just started my ROTH IRA and deposited the max for 2024! I feel stupid for how long it took to get my life straight. The problem here is, what is the best way to invest the money to grow for retirement?

[@sometimesPimpin]

I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.

[@blind_luck_]

You don't need to find the next NVDA to succeed in investing. Just choose top-notch ETFs and partner with a financial advisor like I did. I turned $100k into $40,000 in annual dividends-a significant milestone for me today.

[@AntagonisticAsian]

I admit I'm scared about retirement as I turn 60 on my next birthday. I need to ensure I have enough money to survive on. How can I consult your advisor? My retirement account isn't performing well.

[@blind_luck_]

"Kristin Amber Landis" is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@AntagonisticAsian]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@barttfisher]

I admire the financial independence, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income-generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45

[@HildaBennet]

Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving

[@PennyBergeron-os4ch]

Great job! And yeah, I think we investors overestimate how hard it is to stay in the market when things aren't looking too good. Whenever I'm tempted to either cut losses or capture profits, I remind myself of Fidelity's study of their best performing portfolios; the best performers were either dead or forgot they had an account. So now with directives from my asset manager, I pick assets that can perform similarly in both short and long term. My portfolio has been foolproof so far

[@FinnBraylon]

Who’s the person guiding you

[@PennyBergeron-os4ch]

Her name is “Sonya lee Mitchell” can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@FinnBraylon]

I just checked her out and I have sent her an email. I hope she gets back to me soon.

[@lisanbradshaw]

18 years old with $13,000 saved up and a $4,000 dollar car paid with cash. I work almost 50 hours a week, door-dash on weekends, flip phones on facebook, and go to college part-time online. Listen to the Ramsey Show every day, appreciate the advice George!!

[@user-vi5vd3ty9d]

And not a soul asked, but congrats!

[@youngmoney8638]

@@user-vi5vd3ty9dhater gonna hate 😂

[@bettyrudd109]

well done! that’s awesome 😊

[@tequilamccreary5131]

That is awesome! Stay focused no matter what!

[@deepthinker999]

Future Millionaire ? I'll take that bet.

[@Angelinacortez495]

There is potential for considerable wealth increase with the correct strategy. I want to know; How can one take advantage of compound interest and potentially grow your retirement savings/net-worth to about $3M over time?

[@champhallier8468]

An effective strategy serves as a cornerstone in an investor's portfolio. As the level of risk increases, so does the potential for reward, making it essential to seek advice from experienced professionals for making sound decisions.

[@Emmahernandez.]

The importance of advisors is often overlooked until emotions interfere with decision-making. I can vividly recall a few summers ago, amidst a prolonged divorce, when I urgently required support to keep my business afloat. Seeking out licensed advisors, I found someone exceptionally qualified. Despite facing inflation, she significantly contributed to increasing my reserves from $275k to $850k.

[@JenniferDavis7630]

What steps can I take to engage in this opportunity? I genuinely aim to secure my financial future and am enthusiastic about taking part.

[@Emmahernandez.]

Laurelyn Gross Pohlmeier is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@Jamesrogues60]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@LauritsVad]

🌹I'm 55 years and I retired at 51. I was able to do this because I understand four pricinciples of financial planning success think long term with goals and investing, spend less than you earn maintain liquidity (an emergency savings) minimize the use of debt

[@AlamamaJinoto]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits, such as regularly setting aside money for sound investment...

[@HenrikSkog-jz2zc]

Money invested is far better than money saved, when you invest it gives you an opportunity to increase your financial worth

[@ArneDevos779]

It's remarkable how long term advantage people like us have gotten trying to be consistently not stupid, instead of trying to be very intelligent

[@Clatha17]

The wisest thing that should be on everyone's mind currently should be to invest in different streams of income that doesn't depend on government paycheck. Especially with the current economic crisis around the world , this is still a time to invest in Stocks, Forex and Digital currencies

[@Jocov187]

I keep seeing how lots of people testify about how they make money from stocks, Forex and crypto currencies (BTC) and i wonder why i keep losing.. Can anyone help me out or at least advise me on what to do 🙏.

[@Raymondjohn2]

We read news in the media that doom and gloom is coming and we just accept it, doom and gloom doesn’t always have to be coming, I’ve read numerous success stories of people that are pulling off tremendous gains of up to $250K within weeks in this crazy market and I just want to learn how to achieve such figures.

[@Oly_laura]

Since the crash, I've been in the red. I’m playing the long term game, so I'm not too worried but Jim Cramer mentioned there are still a lot of great opportunities, though stocks has been down a lot. I also heard news of a guy that made $250k from about $110k since the crash and I would really look to know how to go about this.

[@martingiavarini]

There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.

[@hermanramos7092]

Thats true, I've been getting assisted by a FA for almost a year now, I started out with less than $200K and I'm just $19,000 short of half a million in profit.

[@Oly_laura]

@@hermanramos7092 Impressive can you share more info?

[@hermanramos7092]

@@Oly_laura My advisor is ‘’Catherine Morrison Evans’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. 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

[@Clayto174]

Your editors are incredible absolute animals.

[@gabolujan3109]

I was thinking the same thing

[@om617yota8]

Can't deny their skills and the work put in, but it ain't my style of editing. The jumping to another clip whenever he makes a point is annoying.

[@patol7525]

BIG fan of the Ramsey Show George, I’m now a new subscriber to your channel. I’ve been following Graham Stephan for a quite a while now and you kind of have his style, you’re both great!

[@Kevintendo]

@@om617yota8 it’s maybe a good idea for the first three to four minutes- keep the energy high lol… but ya it’s wayyy to much 😂

[@kfeige7677]

Z 0:30

[@alexsteven.m6414]

Inflation can have a significant impact on individuals and their cost of living. As a result, it can cause negative market sentiment. It is important for individuals and businesses to find ways to navigate and potentially mitigate the effects of inflation on their finances. The current economic climate, including underperformance of financial markets due to fear of inflation, has led to a decrease in the value of my portfolio. I would appreciate any recommendations on how to potentially increase returns during this market downturn.

[@yolanderiche7476]

it is recommended to seek the assistance of a financial advisor or broker to diversify your investment portfolio through the inclusion of commodities, inflation-indexed bonds, and stocks of financially stable companies, rather than relying solely on growth stocks with uncertain future earnings.

[@belobelonce35]

@@yolanderiche7476 I have been utilizing a financial advisor for daily investment decisions for the past three years resulting in over $500k in gains. My financial advisor’s analysis has prevented losses and guided me to make the most of market breakthroughs, particularly during downtrends. Their expertise in safe haven asset trading and short-selling strategies has proven to be invaluable.

[@edelineguillet2121]

@@belobelonce35 Where may one locate an experienced FA? I like the notion of employing their services, but it's terrible that recent stock market tragedies have started to happen more frequently.

[@belobelonce35]

@@edelineguillet2121 my financial advisor is 'JEFFREY HAROLD STARR'. I found him on a CNBC interview where he was featured Afterwards I reached out to him. he has since then provided me with entry and exit points in securities I focus on.

[@valeriepierre9778]

@@belobelonce35 Thank you so much for your helpful tip! I was able to verify the person and book a call session with him. he seems very proficient and I'm really grateful for your guidance.

[@lawerencemiller9720]

I began my investment journey at the age of 33, primarily through hard work and dedication. Now at the age of 38, I am thrilled to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.

[@alexyoung3126]

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.

[@jessicamoore3093]

How can I get in touch with your financial consultant

[@jessicamoore3093]

I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me.

[@RyanDahn]

“Passive income” lol.

[@ivankagel9949]

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 ma-nagement 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!!

[@Robertgriffinne]

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 beause I invested early ahead this time .

[@smithlenn]

The rich Invest in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment...

[@dawsondanny990]

I thought about invest-ing in the financial market, I heard that people make millions if you know the tricks of the tra-de, but I lack good knowledge and a strategy to outperform the market and generate good yields. I have 160,000 but it's hard to bite the bullet and do it.

[@rannyorton]

The best course of action if you lack ma-rket knowledge is to ask a consultant or invest-ing co-ach for guidance or assistance. Speaking with a con-sultant helped me stay afloat in the market and grow my port-folio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@dawsondanny990]

Interesting! can u share more details?

[@aliciashaw1209]

I like how you said we overestimate what we can do in a year and underestimate what we can do in a decade. Golden✨

[@ShutterSpeedGaming]

🥰 you’re gorgeous

[@spitfyre1551]

Bill Gates.

[@Tinyzkid]

@@ShutterSpeedGamingsimp alert

[@AndrewBurchfield]

The best decision Ramsey Solutions could have made was to give George this channel. George unleashed is the more cowbell needed in this life! 🎉

[@LarsBergstrom-uh2eu]

My greatest concern is how to recover from all these economic and global troubles and stay afloat especially with the political power tussle going on in the US.

[@IrenaDolinsek]

As with any big financial decision, it’s important to keep your guard up for economic risks. However, smart planning, time management and seeking advice from a financial adviser can help keep you and your money safe.

[@Erinmills98]

@@IrenaDolinsek I agree with you. I ventured into stock with less than $100K, and now I'm about 17K short of half a million dollars. Credits to Kathleen Yanelli Carole. She's verifiable

[@AstaKristjan]

@@Erinmills98 Fantastic! can u share more details?

[@Erinmills98]

@@AstaKristjan She is available on the internet for more details.

[@NIN_Mase]

Vote red

[@kws5354]

A few months ago I informed my wife that we are now technically millionaires. Her response was I don't feel any different, what do you want for dinner? We drive a used minivan and my pick up was ten years old when I bought it. We don't spend very much because it's not much that we want. We are retired but because of our spending habits are net worth continues to go up. The money provides a sense of comfort that is something we did not have years ago.

[@Ink30]

Congrats

[@Erikkurilla01]

Its quiet interesting how we reject the reality of our situation and expect to be able to observe it, control it and even change it. I used to be financially depressed until I read a book that made me realized that the secret to making a million is making better investments.

[@Lemariecooper]

May I ask which investments are good? I've been looking at a few different ones but want others' opinions as well

[@Erikkurilla01]

What I think everyone need is an adviser, who can help you get in and out of any investment at any time and you'd sure be in Profit. With this I feel anyone can basically achieve financial freedom

[@Erikkurilla01]

*STEPHANIE KOPP MEEKS* , That's whom i work with

[@Erikkurilla01]

You can glance her name up on the internet and verify her yourself. she has years of financial market experience

[@Lemariecooper]

Thanks so much I was able to find her page and I already leave her a message

[@adamcates603]

George, I'm loving the new channel. Being a longtime Ramsey fan, I definitely love the content. But I also love your style - your delivery and editing choices are great. Keep up the great work.

[@talyahr3302]

I second this motion!

[@alawntolove24]

Agreed it’s refreshing and new I love it

[@mohican-jx6fx]

I love what you said about having a long term view so much. Being in the market, even if it's the S&P, demands a lot of patience. I'm not close to being a great investor, but having a long term view has definitely helped me profit significantly, more than 400% in the last five years.

[@cloudyblaze7916]

Time in the market is more important than timing the market. I can't remember who made that quote.

[@ericmendels]

I agree. Patience, coupled with a strong investing skill, could make significant returns. If you don't have the skill, hire someone who does, and wait it out. I've made so much from following this very simple strategy.

[@stephenpotter21]

That's a really impressive return. Any tips in particular that could help me? I'm trying to put some of my money in the market and make profit this year.

[@mohican-jx6fx]

I really don't like making such recommendations, because everybody's situation is unique. But there are many freelance advisors you could check out. I have been working with Sharon Louise Count and she's really, really good. If she meets your discretion, then you could go ahead with her. She has a website.

[@gregorywhem]

Thank you for this. I'll send her an email to reach her, and I hope I'm able to make something out of it.

[@alecwilliams5450]

Incredible! My wife and I went to FPU when we were 19! We’re 23 now, and our only debt is our mortgage and both have bachelors degrees! It really works!

[@Dantes2888]

Legend

[@claresmithy4667]

When you invest, you're buying a day you don't have to work

[@ningyen1444]

Assets that can make you rich Bitcoin Stocks Real estate

[@haydencraig7149]

You're right, it's obvious a lot of people remain poor due to ignorance, it's better to take risks and make sacrifices than to remain poor

[@christianajoe8563]

It's not ignorance but due to some unprofessional broker in the market

[@thomasdooley3702]

I recently got into forex trading and im already marveling over the profits I'm making, I'm like " how the hell have i been sleeping on this

[@loydriley9221]

​@@thomasdooley3702Same here, I wish I knew about this Bitcoin trading earlier, brace up and get yourself some Bitcoin before it's too late

[@jonaramaa]

My wife and I are big ramsey fans at 26. We are debt free saving for a home with about 150K saved up (we live in an expensive city) The plan has worked really well for us. Love the new content George!

[@mckenziecroy]

Good job!!

[@Times397]

Married at 26....god bless

[@scappel]

Did the same at 25 I was fresh out of college in the military (officer) - saved my butt off, started a successful air bnb and other real estate investments (reinvested all profits) all while doing the standard Roth and 401k investments and 10 years later I woke up age 35 a millionaire. It’s crazy what 10 years of hard work can do

[@rolandofrancis8707]

Great! How much do you make a month after taxes?

[@scappel]

@@rolandofrancis8707 I was generally making between 80-120k in the military and another 25k a year with air bnb

[@gmualum08]

The real estate market is so fucked right now it's almost impossible to afford anything in the area (I live in the DC area), I can't even afford a townhouse I'd want to live in that's not a shit hole. Much less have an investment property and use for air bnb. Sounds like everyone else took advantage of the good times and even though I did what I was supposed to do I'm screwed

[@jonnathonclayton5005]

@@gmualum08 as a Virginia resident i can confirm with the willingness to make the sacrifice of daily commuting there are relatively affordable living situations within an hour to hour and a half of DC, i know 2-3 hours a day of commuting sucks, but it's doable, and a mindset thing

[@azieltobias]

I wish i learnt most of these principles about seven years ago. A lot of people have been trapped strongly in the matrix-- Go to school, get a job, and then slave your whole life. Many miss out on life-changing information that could have great effect on their finances. I played with the stock market sometime in 2020, and I was surprised at how well it turned out. I want to put in $90k more into the market. I heard people are making really great returns despite the downturn. Any recommendations?

[@sloanmarriott5]

Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over $250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look.

[@lilyhershey1]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $31k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@louie-rose7]

​ *@kristenpierce8661* Please tell me how can I connect to your advisor. My funds are being murdered by inflation, therefore I'm looking for a more profitable investing strategy to put them to work.

[@lilyhershey1]

I'm being guided by "Camille Alicia Garcia." who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.

[@louie-rose7]

After conducting an online search of her name, her website quickly surfaced, piquing my curiosity. The initial impression is positive and I intend to arrange a call with her. I'll make sure to provide you with updates on how it goes. Thank you.

[@JacksonMiley-iq7mo]

I'm not kidding when I say that the market crash and high inflation have me really stressed out and worried about retirement. I've been in the red for a while now and although people say these crisis has it perks, I'm losing my mind but I get it. Investing is a long-term game. It's just hard to focus on the long term playbook when I'm already in a massive loss.

[@Andrian-ch3on]

"Don't tell me what you value, show me your budget, and I'll tell you what you value" Don't live above means, that's a problem. Don't venture into the capital market lacking the discipline and emotional strength to handle financances in a volotile market. It is the reason alot cry about loss. I've read 345 books on investing and finance, started making money on it since I was 15, and now I've been in the financial market for 32 years. Not bragging but I've made more money during "inflations" than any other period.

[@JacksonMiley-iq7mo]

I for one I'm not happy about the inflation in the U.S anymore: Central Banks with the U.S. Federal Reserve should be held accountable. It suprises me when I hear people say they're in profit even when the entire stock market index has lost over 20%. And I'm moved to ask, what is your magic wand? Mind sharing? I'd love to listen

[@Andrian-ch3on]

I might have the experience, but I can tell you that the smartest move to make is finding an financial advisro with the right skills and exposure in your area of interst (stock). That's how I've been able to rake in $675k this year alone.

[@JacksonMiley-iq7mo]

I've thought about finding an adviser but've been quite unsure if it was the right step for a noob. with this, I'm more convinced and I think I'm a step closer towards finding an one. my next problem now is, how do I reahc one.... I see some on CNBC but I don't know them that mch... Do you mind if I asked the particular adviser assisting you?

[@BillAdamson-bp9ff]

Thanks for sharing this useful piece of information, I just googled her up. May we all succeed soon!!

[@amytaylor7927]

Loving the new channel, George! My husband and I aren’t baby steps millionaires quite yet, but we are 100% debt free including our home! We expect to be millionaires by our mid to late 30s! We went from a significantly negative net worth to baby step 7 in only 5 years! 🤯

[@ImhereandwishIwasnt]

Thanks for sharing this George. As a dave ramsey listener, I dug myself out of $30k in credit card debt and paid it off completely in about 5 years. I own 0 credit cards now and am completely debt free except for a house. I am however saving to pay cash for that thanks to the advice I get from Dave and yourself. Thanks for teaching people how to manage their money!

[@BadPhD777]

When I paid off the house I felt rich because the monthly payment was gone. What to with all that money? Go crazy with my retirement accounts! I'm a year away from retiring and can afford to do it! Woot!

[@shan_john]

This is my new favorite channel! It's so refreshing to see someone closer to my age giving this common sense advice rather than the "get rich quick" info I see all over social media.

[@Mavisb-]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@Mavisb-]

@ikolimariam4871 However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

[@Mavisb-]

@ikolimariam4871 Judith Ann peace is her name

[@Mavisb-]

Lookup with her name on the webpage.

[@Mavisb-]

@ikolimariam4871 You are welcome

[@paulakohl8087]

A thousands dollars won’t pay for a simple ER bill today. I know live in Midwest and just a one of those bills. Nothing to major got stitches and the bills was $1,300.

[@motofreak2772]

Pretty disappointing video. I expected more transparency and specific details. At least tell us your income throughout the 10 years that made this possible and the appreciation of the home.

[@user-cz1nh1hv9v]

Yep He didn't mentioned he has no kids and etc

[@mattodude237]

It was more about the mindset, i believe

[@ericcaleguer]

@@user-cz1nh1hv9vhe did tho

[@chadbailey7038]

He has on other videos. Not important though. Specifics don’t make sense when you have different numbers. Pay off YOUR amount of debt on your salary. And get the cheapest house you can afford. 👍🏾

[@waqaskhandev]

They all hold this one flag. Pay off debt save emergency funds, start investing and wait for decades for ur 10% returns. They never talk about small businesses that everybody can do with small amount of money. I am not looking for shortcuts but at least it will not take decades.

[@NeilKollipara]

"Aggressive is what it takes if you want to get out of debt quickly."

[@sarahshealthyrecipes]

Love the humor and clips 😂Made it very relatable!! My husband and I are debt-free and are working on paying off our house! I stopped working outside the home so I could raise our kids and save money on childcare and then I thought, I might as well make money doing this so I started my own in-home daycare and it's such a blessing to be able to help financially that way but still be able to raise my kids! Looking forward to doing our debt free scream within the next five to seven years! Keep up the great content❤

[@RachelKay3]

Dude this is lit, thanks for exposing your transformation from start to finish. This is inspiring for me as a 28 year old getting a head start on this. Proud of you, brother!

[@moneymattersforeverybody]

George! Your editors are awesome! Congrats on being an everyday millionaire🎉🎉🎉. I was surprised the average journey is 17 years. Our experience was about a decade as well. It changed EVERYTHING!

[@JoyInTheSun]

Gosh, this kind of story inspires me to keep going! George, you are so brave and unapologetic when it comes to doing things right! THANK YOU for doing this video.

[@SpenceTheSpartan]

Really loving the new channel George! It's the same information/plan that Dave has been teaching for years, just in a younger and fresher delivery. Plus the editing here is just *insert chef's kiss here

[@user-es7tz5si7u]

My wife says I should do this and stop being broke.

[@AlphaShadowSphere]

Where does she get these crazy ideas 😉

[@linuxsurfer2002]

Hopefully she means *we* should do this - it takes a team effort when you are married. Good luck!

[@_MoneyMike_]

@@AlphaShadowSphere😂😂😂

[@kabz8844]

😂😂😂😂😂😂😂😂😂 where is we 😂

[@saracor30]

Thank you for posting! I’m in baby step 2 and sometimes get impatient but this video made me feel motivated again to keep going 😊

[@Riggsnic_co]

Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.

[@LisaEgan78]

I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@martingiavarini]

I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured some money in value stocks and digital assets,i accrued over $80K in dividends last year

[@bob.weaver72]

I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?

[@martingiavarini]

When ‘Carol Vivian Constable’ is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.

[@bob.weaver72]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@Peteliao]

22 years old. Salary 185k/ year. I save 85% of my income, which all goes to investments/stocks. I shop at Walmart and Ross. Cook my own food. I own (less than 40 items, yes I counted) I just have a 2022 Honda Civic (poor mans car). Dont plan on having wife or kids either. I like to travel internationally 2-3 times a year. Life is better if you live intentionally and not spend on random stuff.

[@matthewcrowley9204]

Entertaining and informative - well done George. Although I didn't do exactly 100% what you did, I have pretty much all my life "lived beneath my means" and saved/invested the difference. And I've never regretted it, love being out of debt, and having the ability to handle unexpected major bills (appliance breakdowns, car repairs, etc.) as inconveniences rather than disasters.

[@eter_inquirer]

George you're killin it man! The true Dave Ramsey prodigy right here.

[@roxannestaton6258]

George, you're the best!! Thank you for breaking things down to common sense.

[@lindah4135]

Yay George and Whitney! 🎉 This plan works for any age including the oldies 💪 😁 I love hearing so many young people doing the Ramsey plan like you. Very rewarding 👍👏

[@michellelightbown4729]

George, you are INSIDE MY BRAIN with these completely on-point references! Also- love you guys and all the new content!! New channel is great =D

[@Pink_Princessx69]

Your humor and personality really shine through here, love it. Great video

[@jillgott6567]

I did not realize George is a millionaire. Good for him. And his wife

[@MrTmenzo]

​@@haakmom what's your net worth Rachel?

[@roburb73]

@@haakmom , That's the first thing I thought, it's a facade when you have to mention "net worth". And if he's using the inflated home value of the last couple years, even more so. I didn't think to myself, "I'm a millionaire" until I had $1M investable and growing assets. Heck, I have $500k in home equity I don't add to the calculation. 🤷

[@user-hd8ej8yx9p]

@@haakmom how do you define millionaire?

[@beccalove1964]

@@haakmom that is what a millionaire is. When they talk about celebrities and their money they refer to their net worth as well, not liquid cash.

[@BeginnerDoesTech]

@@haakmom $1 million net worth = millionaire How could you possibly be mislead by that?

[@georgeh.5126]

Wow! Loved every second of my watch to the end. I could really use your help George, I’m 52 and disabled since 2007, still own a small business with $380K in savings. Already have a share in a rental property. But I'd still love to grow my investments ahead of my retirement. Can you help?

[@debwes1]

Just buy and hold Bitcoin. Alternatively, find reputable stocks with long-term growth potential and stick with them. However, it would be wise to just consult a market strategist.

[@josephbush]

I agree, having a market strategist for investing is genius! Over the past 7years, I’ve had a financial advsor consistently restructure and diversify my portfolio and I’ve made over $1.4 million in gains… might not be a lot but i'm financially secure and that's fine by me.

[@aureliobjm]

@josephbush Mind if I ask you to recommend this particular coach you using their service?

[@josephbush]

She goes by 'HEATHER LEE LARIONI'. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@aureliobjm]

I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.

[@jcapo41]

Just want to say i love you and Dave Ramsey team. Thank you all for guidance, great advice and being real 🙏🏼

[@sarahuber8567]

George is the best Ramsey personality! Love this show. It’s concise and funny.

[@TheKevinChaz]

I love all the cutaways! You're flow is super entertaining while remaining intentional.

[@evanmlink2]

can we take a moment to appreciate the editing in this video. Thank you for sharing your story, i needed to hear this today!

[@LakeshiaKalar456]

I genuinely mean it when I express my stress and concern regarding the market crash and high inflation, particularly in relation to my retirement. I have been experiencing losses for quite some time, and while some may argue that crises can present opportunities, I am feeling overwhelmed. However, I understand that investing is a long-term endeavor, and it is crucial to maintain focus on the bigger picture and the long run.

[@actsofduane2406]

I miss you George. Ever since my wife and I did our debt free scream on the Ramsey Show with you and Doctor D life has been good. Going on the show with you and him in September 2021 life has been great, but miss seeing you.

[@katyedwards3935]

They have events throughout the year, so maybe you can see him again sometime.

[@LoveOnTheEdge1705]

You really come alive watching your videos! Love it!

[@frenchyroastify]

Your clips and comedic timing are awesome. They literally make me put my food down and laugh out loud. Thank you!

[@anthonyb755]

Absolutely amazing!! Kudos to you and your wife for living like no one else so later, you can live like no one else 🤘

[@kwamedonkor6815]

You're amazing George! Absolutely love this. Your new channel is awesome and you are super funny!!

[@random-kl7es]

George is killing it with these videos

[@amberschneider880]

And here I didn't think I could enjoy listening/ watching George more! Edits and snarky-ness are hilarious 😂

[@ashf3914]

Cannot stress the importance of an emergency fund enough no matter where you are in your financial journey. We are in Baby Step 7. One of our large trees had a rough go this winter and is no longer structurally sound. Our emergency fund is allowing us to handle that situation without digging into our various goal funds. It really has just made it an inconvenience rather than a true emergency.

[@cash5627]

He employs Dave Ramsey's good common sense, with this generations humor and memes. It's what this generation desperately needs.

[@markg999]

Did it in about 10 years also. Congrats on the baby on the way.

[@jonsmith9728]

awesome to see your channel growing, enjoying the new content, keep up the great work

[@WalkDisneyWorld]

George…… you’re CRUSHING it!

[@Unami0929]

I’ll admit, when I first started seeing George on Ramsey, I didn’t like him. But he quickly grew on me because of the way he braces personal criticisms aimed at him. He braces it and also has some witty comebacks. Strong wit and quick comebacks are usually a sign of higher intelligence.

[@libbysworld7649]

George, this channel is my spirit animal!

[@michellearndt3631]

Love this! Thanks George for the information. It's so simple but so many of us make it complicated.

[@AspiringInterpreter]

Props to the editing team on this. Good stuff

[@sanazmae]

LOL george! There will be room for my wife and my dogs LOL - so happy you got a youtube channel and keep the content coming!

[@beccalove1964]

Awesome George!!! You are so relatable and funny! Love to see it 😊

[@debbiefried3533]

You're my favorite Ramsey personality!

[@gregroberts622]

The editing on these videos is top notch! Very entertaining 😂

[@Jumpman67]

This is definitely do-able. In the past 4 years my net worth has gone up drastically by keeping it simple. Living frugally, saving, and investing. I don't make over 100k either. Compound interest and real estate appreciation are amazing.

[@Lopez_Life]

Great Evergreen video here Kamel Team! 🍿🚀 To the moon George….great delivery of value, content and education

[@jjkatz]

So funny! Love this video. It t also gives me hope that he did this in 10 years since I’m older. Gives me motivation instead of thinking it’s too late.

[@MyLifeThai371]

I completely agree! I save so much money by not paying rent, by saving up and paying cash for my house.

[@cw48494]

I'm on the 'slow-go' route to become a millionaire, because I make little money (happily doing so) and support a family of 6. Because I bought a house pre-pandemic, I am likely to be considered a millionaire much earlier than retirement age. The main contributing factors to my financial situation is the timing of my home purchase and never having took on any loan; I would have to quadruple my income today to purchase the same home on a 15 year note. I do find I LOOOVE the math involved, finding where pennies can be pinched, knowing how little I can make to still make ends meet and how TIME itself (compounding interest) can make you rich even if you're making very little.

[@sharongenco3716]

Glad I stumbled upon your videos. They are interesting and entertaining. I appreciate them being not boring!

[@chanamarte3236]

Love your sense of humor and make it fun for us

[@Laura-je2uw]

You are so talented in doing youtube videos! Love your style❤

[@Bossman871]

Meme game strong. Internet loves george keep it up my man

[@sugarmcdoodles8462]

I love how you and wife had the dog at your debt free scream 🥰. Thanks for your inspiring story

[@lukescapee1234]

The fact that you play music, are into cameras, AND had the scene hair, I like you more and more each video

[@monicadhenderson8670]

Great job George👏🏼👏🏼👏🏼

[@mprez5271]

I started paying off debts, but to me, it made more sense to pay off my car, which was a big chunk of my paycheck. I started in January, used the majority of my savings to make a large payment, then started sending extra towards the principal and got my title in September. Now, it was time to tackle my 2 cc, but sadly, I got laid-off in October. I'm now trying to figure out the next steps. I thank God for hammering paying off the car first because things would have been more difficult. Trusting that His plan is better than mine is what keeps me going.

[@chris.schmitt]

Hats off to George’s incredible editor(s)!

[@vaniahsamuel7308]

This is amazing! Thank you 🙌

[@45jessiemad]

Great video George and team! We're on baby step 2. Thought we'd be consumer debt free by 2028 but now we're looking at 2024! We started in October 2022. 🎉🎉

[@Matt_in_TEXAS]

Great Job George Kamel with a K! This is a wonderful explanation of Financial Peace U with your story and funny bits mixed in. You are doing an awesome job of bringing this message to the interwebs- Keep it up, you are not going to be DINKWADs for much longer- congrats!

[@GeorgeKamel]

Thanks so much!

[@amyray2119]

Awesome video! Wish I knew this stuff 20 years ago! Wonderful things to watch with my kids and teach them. Thank you! 🙏

[@tkelly830]

Great channel George, love your message and content.

[@mbyrd6713]

Awesome video, I’m preparing to start my debt free journey and I can’t wait to get to millionaire status ❤

[@svengazibo]

What do you need to prepare? Just do it! You will have no regrets. Blessings on your journey.

[@moneymattersforeverybody]

Go get it!! You won’t regret it🎉

[@savanahfondse6372]

You can do it!!

[@FernandoMartinez-pv1id]

Incredible to see a channel promote long term growth rather than get rich quick schemes. Makes me more inclined to beleive you George.

[@svengazibo]

Believe it. I submitted to the process in 2017 and I'm debt free, house and all. Very close to being an EDM. If George and I can do it, Fernando and everybody else can certainly do it.

[@FernandoMartinez-pv1id]

@@svengazibo I've been following the Ramsey Plan for 3 years now. Almost built my emergency fund. Getting ready for Step 4.

[@EnoughTimeTravel]

Another fun, funny and informative video, George! Such great editing & production 🙌🏻

[@vanessagallichio]

Love the channel! Way to go, George!

[@dmm1254]

I've been saving roughly 15% for 10 years and my account is 150k. Major factor like you said was the dual income no kids but also your salary plays a massive role. Little longer means I retire a millionaire at 62 which is 20 plus years away lol

[@dennishart4187]

Yeah it's pretty telling that he was so willing to talk about the numbers of his debts when it helps him seem relatable to his viewers but didn't mention his/his wife's income throughout the video. Ramsey and co preach putting 15% of your income toward savings and no more than 25% of your income toward housing. In order to become a millionaire in 10 years, you need to be adding $100k to your net worth annually (average) for that entire time frame. If 40% of your gross income going towards house equity/savings then you'd need to have a gross income of 250k.

[@WilChu]

Yup...Not as difficult to become a millionaire if your take home is 120k. Much more an uphill battle when your take home is 40k.

[@brianadams6204]

YOUR VIDEOS ARE FIRE......................

[@rmalcolm6214]

On and off flurries this way. Welcome back. Actually did a bit of closet decluttering this morning before I saw your video - inspired by you to go back later and do 10 more minutes with my accessories drawer! Thanks!

[@midnightbudgets]

Thanks for sharing this video, motivational and inspiring!