George Kamel
@GeorgeKamel
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Ramsey Personality 🎙️Cohost of @RamseyShow + @SmartMoneyHH . 💸 #1 National Bestselling Author👇🏼 Read/listen to my new book, Breaking Free From Broke
Joined March 2009
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Today is the day! Breaking Free From Broke is out now and ready to be shipped to you.
🔗
I had one goal in this pursuit: write a book about money that doesn't feel like a root canal. I tried my darnedest to make it funny, well-researched, empathetic,
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The most precious angel baby entered the world yesterday. Introducing…
Mia Jane Kamel
Born Friday, August 25 at 9:20am
Weighing in at 6.5 lbs
Measuring 18.5 inches
Mama and baby are doing great! 🤍
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IRS: You owe us money. It’s called taxes.
Me: How much?
IRS: You’ll figure it out.
Me: I just pay what I think is right?
IRS: Nope. We know exactly how much. But you have to guess.
Me: What if I’m wrong?
IRS: Fees. Maybe jail. We’ll see.
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Dog dad has nothing on girl dad. 🥹
Whitney and I can’t wait to meet Baby Kamel!
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After 34 years on this Earth, and 10 years at Ramsey Solutions, and 1 painstaking year of writing, I’m beyond excited to announce my FIRST BOOK EVER!
Introducing . . . Breaking Free From Broke: The Ultimate Guide to More Money and Less Stress.
🔗
This
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12.15.21 🏠HOUSE PAYOFF DAY 🎉
So surreal. Thankful for an incredible wife,
@DaveRamsey
’s principles, and amazing Ramsey fans and coworkers cheering us on along the way. WE DID IT!!! 🥳
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New car purchase price: $40,000
New car value after...
- 1 minute: $36,000
- 1 year: $32,000
- 2 years: $27,000
- 3 years: $23,120
- 4 years: $19,650
- 5 years: $16,000
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The average cost of a meal when eating out is $13.
Eating at home? $4.
So when you go to a restaurant instead of cooking at home, you're spending 325% more.
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Unpopular opinion: If you can’t pay cash, you can’t afford it.
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Jesus paid it all. Eternal debt freedom. That’s what it’s all about. Happy Easter friends.
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After 70 months of payments, you've got a paid-off car that you bought for $40,000, that ended up costing you $50,000 (thanks to interest), that's now only worth $16,000 (thanks to depreciation).
So, as astronomically stupid as that is, why are people still buying new cars on
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Life hack: don't buy things you can't afford, with money you don't have, to impress people you don't like. 🤡
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I hear this all the time: "You'll always have a car payment."
No, you won't. The only way you'll always have a car payment is if you continually buy cars you can't afford. Buying used cars with cash and upgrading over time is the only way out of this cycle.
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When I was 24, I was $40,000 in debt and thought payments were just a part of adult life.
The day I decided it didn’t have to be this way, things changed.
When you get control of your money, it doesn’t just give you freedom and options, it gives you PEACE. ✌🏼
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Nobody in your life gives a rip about what you drive. If they do, you need better friends.
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My new YouTube channel is live! I'm excited to expose the system that's designed to keep you broke, and show you how to *actually* win with money.
Check out the first episode, and be sure to like + subscribe!
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Here's a wild thought: If you can't pay for it in cash today, then you don't buy it today. Period. No monthly payments. No debt. Pay for it in full—or wait until you have the money to cover it.
If we all did this correctly, America wouldn’t be in debt.
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I went from a negative net worth to a millionaire in 10 years.
Here’s how you can, too.
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Broke people ask:
“How much down?”
“How much per month?”
Wise spenders ask:
“How much?”
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Here's how much it would take to go from $0 to $1 million in a retirement account with an 11% average return:
Age 22-62: $120/month
Age 30-62: $290/month
Age 40-65: $640/month
Age 50-70: $1,160/month
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50% of people making six figures are still living paycheck to paycheck. Money problems are mainly behavior problems, not math problems.
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If you keep making just the minimum payments on your student loans, the interest that is accruing can start to outgrow the actually money you’re paying towards your loan. In this example, she has paid $120,000 towards her student loans, but since it was just the minimum payment,
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Here's how much it would take to go from $0 to $1 million in a retirement account with an 11% average return:
Age 22-62: $120/month
Age 30-62: $290/month
Age 40-65: $640/month
Age 50-70: $1,160/month
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Here’s how much it would take to go from $0 to $1M in a retirement account (assuming an 11% average return):
Age 22–62: $120/month
Age 30–62: $290/month
Age 40–65: $640/month
Age 50–70: $1160/month
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Things I don’t have:
- Credit Cards
- Crypto
- Single Stocks
- Car Payments
Things I do have:
- Peace
- Margin
- Options
- Freedom
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Always pay for purchases in full, with money you have right now, for stuff you already budgeted for. That's how you secure more peace, more wealth, and a lot less regret.
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I’m so pumped for my friend
@johndelony
and the release of his new book, Building a Non-Anxious Life. This guy has more wisdom in his pinky than I do in my tiny body. The book is available for presale starting today. Trust me, I’m (not) a doctor (but he is).
Grab your copy:
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Some of the most fun I had in 2023 was blessing the amazing staff at a couple local Waffle Houses right here in Tennessee, on behalf of Ramsey Solutions. Whether it's your money, time, or skill I encourage everyone to go out and practice generosity in 2024.
If you want to see
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$887 per month invested in a Roth 401(k) from age 35 to 65:
10% rate of return = $2 million tax-free at retirement
11% rate of return = $2.5 million tax-free at retirement
12% rate of return = $3.1 million tax-free at retirement
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In case anyone wonders what we actually do at work all day.
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You: I'd like a loan
Lender: Okay, you need a good credit score
You: Okay, what's my credit score?
Lender: Are you sure you want to know? If we look it will get worse.
You: Why?
Lender: *Pulls you in close* because we hate you
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Parents: HELOCs have a variable interest rate, which means these loans can increase in any given month. If you miss a payment and default on a HELOC, the bank could take your house.
Future college students: Make searching for scholarships a part-time job, and don’t overlook the
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Eating out is a luxury and entertainment—not a priority or necessity.
Restaurants need to mark up ingredients 300% on average to cover overhead, labor, and make a profit. That means you spend $16 for a meal that would have cost you $4 per serving at home.
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IRS: You owe us money. It’s called taxes.
Me: How much?
IRS: You have to figure it out.
Me: I just pay what I want?
IRS: Ha, nope. We know exactly how much you owe. But you have to guess that number too.
Me: What if I get it wrong?
IRS: You pay fees up to 25% & maybe go to jail.
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There’s a huge difference between LOOKING wealthy and BEING wealthy.
Most people would rather spend money on crap that goes DOWN in value to impress others versus invest in boring things that go UP in value.
Not caring about what other people think is a financial superpower.
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“Never argue with stupid people, they will drag you down to their level and then beat you with experience.” – Mark Twain
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But for real, how mad would Dave Ramsey be if I pulled up next to his Raptor with this? 🤣
WE ARE GIVING AWAY A CYBERTRUCK
ACTUALLY A CYBERBEAST
REPOST TO ENTER
FOLLOW SO WE CAN DM YOU
NO PURCHASE NECESSARY. TERMS:
4K
21K
11K
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Your credit score is made up of:
Debt history: 35%
Debt amount: 30%
Time in debt: 15%
New debt: 10%
Type of debt: 10%
It's all about debt. Not how much money you have, or even if you're good with money.
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When you start to mind your money, it takes money off your mind. 🤯
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When we’re not intentional and hyper-aware with our money, we buy, buy, buy. Ain’t no lie. (NSYNC had a way with words.)
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Just because it's on sale doesn't mean it's a good deal.
Read that again.
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New car purchase price: $40,000
New car value after...
- 1 minute: $36,000
- 1 year: $32,000
- 2 years: $27,200
- 3 years: $23,120
- 4 years: $19,650
- 5 years: $16,000
After 70 months of payments, you’ve got a paid-off car that you bought for $40,000, that ended up costing you
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Top Birthday Freebies ⬇️
- Baskin Robbins: Free Ice Cream Scoop
- Buffalo Wild Wings: Free Wings
- Chick-Fil-A: Free Dessert or Milkshake
- Culver's: Free One-Scoop Sundae
- Denny's: Free Grand Slam Breakfast
- Dunkin/Starbucks: Free Drink
- Firehouse/Jersey Mikes: Free Sub
-
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The 7 Baby Steps
Step 1: Save $1,000 for your starter emergency fund.
Step 2: Pay off all debt (except the house) using the
debt snowball.
Step 3: Save 3–6 months of expenses in a fully
funded emergency fund.
Step 4: Invest 15% of your household
income in
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So insane. Never in a million years did I imagine cohosting the
#1
podcast in the world. Thank you all for listening!
WOW,
@RamseyShow
is the
#1
podcast across all categories on
@ApplePodcasts
. THANK YOU to everyone who works daily on our show, and to all of you for choosing to spend your time with me and the Ramsey Personalities. I’m honored.
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It can be awkward talking about money in romantic relationships, so here are a few pickup lines to help break the ice.
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It’s official! Breaking Free From Broke is a National Bestseller!
I’m deeply grateful to each and every one of you who bought this book and to the team who walked alongside me to get this book out into the world.
I say this a lot but it is true, I feel like a turtle on a fence
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If your money is just sitting out there getting 0% in a regular savings account, you can do better. 🧵
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America has become the land of the free, home of the broke.
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Thanks
@DaveRamsey
for helping me launch this book into the world in a big way!
Wondering where your money is going? I’ll tell you: It’s going to a system that’s designed to take it from you.
In his brand-new book, Breaking Free From Broke, personal finance expert and Ramsey Personality
@GeorgeKamel
exposes the most common money myths and excuses that are
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Things I've done with a debit card:
- rent a car
- book a hotel room
- rent an apartment
- travel internationally
Things I haven't done with a debit card:
- go into debt
- pay 22% APR
- spend more money than I have
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The average monthly car payment on a new car is $733.
What if instead of sending that $700 "you can afford" to lenders every month, you were investing it in mutual funds with an annual average return of 11%.
Investing a $700 car payment from age 22 to 62 could amount to more
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How it started: You opened a credit card and said you will never carry a balance
How it's going: America has over $1 trillion in credit card debt
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By having a car payment, you're actively saying, "I don't want to be wealthy."
In 2022, the average new car payment was $717 and the average used car payment was $563.
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Compound interest is the eighth wonder of the world. He who understands it, earns it . . . he who doesn't, pays it.
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Want to know why I say a 10-12% average annual return when talking about investments? The historical average annual return of the S&P 500 from 1928 through 2021 is 11.82%. This is not my opinion, this is actual data.
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These airport snack prices are hurting my brain. If you’re traveling during the holidays, be smart with your money and bring your own snacks.
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So rad having one of my favorite comedians come by
@RamseyShow
today! P.S. for the record,
@natebargatze
hit a hole in one on that mini putter.
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An emergency fund is a giant umbrella that keeps you dry from the storms of life.
Only about one-half of Americans have $1,000 or more in savings. One-third of Americans have no savings at all.
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If it’s free, it’s for me. In honor of my birthday, here’s a curated list of the best birthday freebies out there that you can eat with your face hole. 👁👅👁
Be sure to sign up for all of these rewards programs and emails a month ahead, and read the fine print! 📄
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Y’all. I get that inflation hurts. But for most Americans, it’s not the price of eggs holding them back.
It’s our addiction to debt and payments and bad spending habits.
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When you have margin in the bank, you can focus on things that really matter to you.
You're more present with your family.
You're more focused at work.
You're a more generous person.
THAT's what it's all about.
Money is just a tool to get us there.
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Answering your questions about money, life, and my new book, Breaking Free From Broke. Reply with your questions and I’ll get to as many as I can!
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Being frugal doesn’t mean stingy or cheap. It means being intentional with every money decision.
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I’m PUMPED to announce that I’m leading a virtual Financial Peace University class this summer! (Good news: no one flunks Professor Kamel’s class.)
Starting June 20, we’ll all hang out twice per week over Zoom. 5 weeks later, you’ll be fired up and wired up to get ahead with
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Ryland is wondering if he should sell his crypto to pay off his Tesla?
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Average monthly payment on a new car: $733
Average monthly payment on a used car: $569
By having a car payment, you're actively saying, "I don't want to be wealthy. l'd rather look wealthy but stay broke.
Broke people ask, “How much down, how much a month?” Wealthy people ask,
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I only recommend a 15-year fixed-rate conventional mortgage where the monthly payment is no more than 25 percent of your take-home pay.
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Salespeople at dealerships never start by asking how much car you can afford. They instead ask: "What kind of payment are you looking for?" They know they can milk you for more if they can just get you thinking in monthly terms.
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When you have margin in the bank, you can focus on things that really matter to you.
You're more present with your family.
You're more focused at work.
You're a more generous person.
THAT's what it's all about.
Money is just a tool to get us there.
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Spending 10–20%+ on a car payment is the key to staying broke forever. Pouring your income into a depreciating asset is how the middle class *stay* there.
Imagine being able to invest that 10–20% for the rest of your life and upgrading in cash when you can. Do the math. Game
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An emergency fund is NOT for emergency fun. I’m talking about TRUE emergencies here, like a car accident, a leaky roof, or a hospital visit.
Before you spend a dime from that emergency fund, check off these boxes:
✅ Is it urgent?
✅ Is it necessary?
✅ Is it unexpected?
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Unpopular opinion: If you can't pay cash, you can't afford it.
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Student loan forgiveness is officially not happening.
Now that we have a final answer on student loan forgiveness, it means you need to be ready to start making payments by this October. Because you will have to make your student loan payment again.
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The average cost of a meal right now is $13 per person, and when you cook at home, it’s $4 per person. If you’re wondering why you have too much month left at the end of your money, start by looking at how much money you spend eating out every month.
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@theficouple
I would have cut the first half of the sentence: “A $600 car payment is a terrible idea. Do you agree?” 🤣
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How to waste $5,000 a year:
Spend $13.70 per day on things you don't need.
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Day trading is a great way to decrease your wealth and increase your anxiety.
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Epic!! So proud to be a part of this show. Thanks for tuning in, y’all.
The Ramsey Show in Times Square! Very cool.
Honored to be part of the most requested podcasts on Alexa.
@PlayMorePods
@amazonmusic
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A traditional savings account pays you very, very little interest. Don’t keep your full 3–6 month emergency fund in there.
The best place to keep your emergency fund is a high-yield savings account.
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After 18 grueling months of budgeting, living on less than I made, side hustling, Uber-ing, Lyft-ing, selling stuff, and eating “rice and beans” (or in my case, Lean Cuisines), I paid off all $40,000 of my consumer debt!
Want to know how I did it? 👇🏼
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Incredible day at SMART Conference 2023!
Thank you to everyone who came out and made it such a great weekend.
#ramseyevents
#theramseyway
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$100 a month invested from ages 25-65 is $1,176,476.
There's no excuse: you do not have to retire broke.
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