Your video editor needs a raise. I’m dying at all the inserted clips

@qb8628

4 ай бұрын

That first clip LMAO

@anthonywilliams9415

3 ай бұрын

📠

@theclarionhall4755

2 ай бұрын

The music choices are great too!

@vanessabegay5754

2 ай бұрын

The bacon bit got me!! 😂😂

I've been doing a zero based budget since I was 17 (45 years). It's worked like a charm. I'm old-school... paper and pencil for me.

@nanalamystique

3 ай бұрын

Me too old fashioned but I am 27 😂

@monicalifornia_

26 күн бұрын

Good on ya! 💯💯 Dave was paper too. Remember the envelope system? Times they are a changin. 🤦🏽‍♀️

This app SAVED my wife and I's finances. Before budgeting, we were deep in debt with barely to no emergency fund and savings. Then in November of 2018, we had the "I'm sick and tired of being sick and tired of being broke" moment. We decided to start budgeting using this app, and followed Dave Ramsey's baby steps, then after almost 2 years, we paid off all our debt, fully funded our 6-month emergency fund, saved money in all our sinking funds then started saving in our 401k. Praise God for Dave Ramsey's life-changing financial teachings!

My favorite part of this video is when George said that housing should only be 25% of his take-home pay, but then proceeds to budget $1200 on a $4000 monthly budget

@debbiefried3533

Жыл бұрын

He did say "about" so there's wiggle room with the 25%.

@joseluna5934

Жыл бұрын

Im ok with them saying 25% . Because we human dont lisent and go over. Imagine if they said 35% people will go 50% . Im under 25% on my mortgage and its amazing and the only reason why we can pay all in 5 years. At the end of the day is just a stupid house.

@spencerroach8469

Жыл бұрын

​@@debbiefried3533I think that's fair if you buy a house, because your income will presumably increase and your mortgage (principal + interest) will not, but less fair when renting (like in George's example), since rent will go up over time

@xaldath4265

Жыл бұрын

​@@spencerroach8469this. "about" 25% is a target, not a starting point. It's okay to grow into that 25%, but don't do it in a way that keeps you cuffed for a decade first. A couple years, tops.

@ivanajukicgloban6627

Жыл бұрын

​​@@spencerroach8469Interest can vary dramaticly and also a principal if you have it in other curreny which can be the case for us in Europe...Some people faced mortgage go 2x higer then in the beginining.. you always have to have wiggle room...You can loose a job,have lower salery and so on.

The best budget advice I ever received was not to OVER specify. So I have line items in the budget called “Run The Family” and this includes everything from Home Depot runs because we need to fix a faucet to cleaning supplies and toilet paper. This was a big help to sticking to a budget for me

@morbotheturtle3796

Жыл бұрын

Depends on the type of person you are. I would prefer a super specific budget

@mensb1936

Жыл бұрын

Yeah it was opposite for us. The more detailed we got, the easier it was to stick to the planned spending.

@donjohnson1416

Жыл бұрын

I too prefer a more specific budget

@asiahenry7798

9 ай бұрын

I have that line item too. I label it household. I tend to buy my home stuff in bulk, that way month to month I only have to restock some things

@anotherdoseyt

7 ай бұрын

this, i find that the 50/30/20 method is not too complicated and can account for all purchases as long as I be honest with myself in terms of what is a need versus a want

George’s channel is HUGE for Ramsey’s connection to the younger generation. This jump cut and meme style of video is wlite for attracting a younger audience to the brand 💪🏻🙏🏻

@chadhartsees

10 ай бұрын

Huge? It's not huge at all. People unboxing toys have bigger view counts.

@Pstmstr

10 ай бұрын

@@chadhartsees why are you here?

@chadhartsees

10 ай бұрын

@@Pstmstr you're not going to be invited to Ramsay's Christmas party for being a Stan on social media.

@Pstmstr

10 ай бұрын

@@chadhartsees don't want to be. Why are you here? Simple question.

Every dollar is the only budgeting tool I like using and can stick to every month. It has helped me change my financial picture drastically in the last 3 years.

@GeorgeKamel

Жыл бұрын

Love hearing that! Way to go!

I wish the every dollar app was available in other countries and with different currencies because Americans are not the only ones who budget, invest or watch dave Ramsey videos.

@angelacanedit

Жыл бұрын

agreed.

@joanebf

Жыл бұрын

Yes! Please @GeorgeKamel ask the team to create an "Every Euro" app

@daseemore4377

11 ай бұрын

What? They are just numbers with a dollar sign. Just pretend it's a euro money sign.

@Tashas_Travels

11 ай бұрын

@daseemore4377 not everyone is in Europe or America

@sir-vengeance

11 ай бұрын

I would love an Australian version!

George Kamel is what you get if you combine every youth pastor on earth into one composite person.

@GeorgeKamel

Жыл бұрын

Hello fellow youth groups

All I want to know is how does your team find all those clips to put in????? The editing is next level!!

@maryt7468

Жыл бұрын

I had the same thought lol 😂 is it someone’s full time job looking for funny clips all day?

I really like you in this format, George. Your true personality really shines through and it's marvelous!🎉❤

I change my sheets every week, and if I skip a week, it’s not the end of the world. But about budgets, I use the EveryDollar app, but I cannot handle seeing only a few line items at a time. I start my budget on excel, which allows me to see the whole budget, every line, on one screen. I am a detail oriented person, but I really like to see the big picture too. I’m also a bit of a nerd, can you tell?

You're doing an amazing job George! Please keep up the great work!

Thanks for sharing the importance of budgeting. Love the edits. Budgeting is a great tool.

I feel called out. I was putting clean pillowcases on as you said go change your sheets 😂

you guys are such a blessing for me. Every time I watch your videos I'm getting rid of all my stupid desires. Than you for making us wise.

I LOVE zero based budgeting!!! I've been using this budgeting method for YEARS and its the best one

Keep up the good work George, love listening to you.

Glad to see you go over the every dollar app in detailed with this video. It's a simple but detailed plan. The thing I would love to add is if possible, any low cost monthly payments, try to see if you can go prepaid for a annual cost so you can free up your monthly cashflow to put towards other goals or debts. Example is paying yearly on my phone bill saved me a bit of money but also a years worth of concern.

@ms.ashley7643

8 ай бұрын

I agree, I pay my Home Warranty, car, insurance, phone bill, and HOA bills in full to save monthly fees.

Love these videos and how you keep them entertaining along with learning.

Love the content George God bless!!!

Editors are on point 👌

George Kamel, you are out of control, but I can't stop watching.🤣

Whoever edits these videos, thank you for the laughs!

@Bmc2021

4 ай бұрын

Sometimes it gets annoying

YES! Keep up the great work!!!! Great Content.

I wish you the best in your health and budget journeys. I do think that sometimes we spent a lot of time researching what we need to be doing but not enough time putting those solutions into actual practice. Good luck to you.

George, I absolutely love this content. As a business owner who doesn't know their exact income for the month, can you please make a video about variable income and budgeting?

This was awesome 👏🏻 nice job Kamel

George, thank you for making this fun. You are hilarious!

Love your videos! Very educational and fun😊. Thank you❤

Great video! Thanks for making it George!

We needed this. Good job

This is pretty helpful. It would be nice if there was a way to enter regular quarterly income in addition to the regular bi weekly paychecks.

thanks for showing me how to add categories

My problem is that I do this and see myself going over budget and I'm like yep, I'm going over budget as I proceed to spend more.

@Pstmstr

10 ай бұрын

Yep, a common problem. That over spending is either going to debt or depleting cash. It’s fixable by increasing income or reducing spending.

At least he is acknowledging the after tax income. How has Dave not done the similar calculations when he gets callers.

I’ve been using the Every Dollar Budgeting App for years!! Love it❤ easy to use 🦋🦋 I also use paper😊

A great, easy to follow introduction to budgeting and EveryDollar! I would love to see a video on budgeting with an irregular income at some point!

@billgoobinhoffer4705

Жыл бұрын

Base it off the lowest and save the rest

Did this video on my channel last week! This week I will be going through my expenses to look at trends from one year to the next and who are the biggest beneficiaries of my income.

Love it..great advice

Great video George & team! I have a little suggestion though. Since the GFX style of the video is very glitch contemporary, i think a redesign of the Ramsay logo for these kind of videos would be warranted. I feel like you guys could really create a fun vignette that would help the style cohesion. Small peanuts, but I thought I'd mention it. Keep up the good work!

Gosh I love this channel and the humor . Teach how to be good at being frugal

❤😂🎉 Perfection! You make being an adult fun! Keep up the great work!

I’ve used this budgeting app nearly a year now. It’s not perfect but it really helped us track our spending on the go. I use this in conjunction with Google spreadsheet. The app for everyday tracking and spending on the go. And I use the spreadsheets to do monthly tally and easier to see month-to-month trend throughput the year.

Awesome video George! I'll happily trade some of our Canadian Bacon for the Every Dollar App being made available in Canada!

I appreciate the walk through with this app:)

Thanks for the app recommendation... I know it's in-network but I did JUST need one recently.

Reading some of these comments from people about a guy trying to help people budget makes me realize what sad pathetic lives some people lead.

Great work!!

I love the every dollar app! We’ve used it close to 2 years and are out of debt!

Great video lots of helpful info!

Dont forget banking fees, I figured that onenour just yesterday 😂. Pretty slow of me but its the little things that skip your mind and pile up.

I like your sense of humor 👍

Useful video thx for sharing

best thing I ever did financially was create a budget and stick to it

@JillRuckman

Жыл бұрын

Same here! I found money I didn't realize I had all along!

Great video! I should really be a lot more strict on my budget. I have no debt other than my mortgage so I use a “pay yourself first” method where 25% of my gross income is saved or invested before it even hits my checking account. It’s much simpler

@rrrrrfffff

Жыл бұрын

Yeah everything is simpler when you have no debt... That's obvious

@JakeSpradlin2

Жыл бұрын

@@rrrrrfffff agreed, if you’re in debt I have faith you can get out!

@joeltroughton3021

9 ай бұрын

@@JakeSpradlin2 the reality is with our some sort of help most Americans are gonna be in some sort of debt and that’s not counting a mortgage

@andrewbrande

9 ай бұрын

I’m in the same boat Jake! It’s a good life ain’t it

@JakeSpradlin2

9 ай бұрын

@@andrewbrande yessir! That’s the way to be

Wish with all budgeting apps you can start it the day you get paid.. if you get paid on the 15th and don’t get paid until the following month on the 15th that’s the one month. Reports and tallies are always in one month.

I would love to see a video about irregular income!!!! Really enjoying this channel! Thanks for the motivation and information.

I’m currently a full time participant in the gig economy, and a video on how to budget on an irregular income would be helpful. Love your videos!

@melissahood2960

6 ай бұрын

Put in an estimate on the low end of what you make on average. Update your budget every payday and adjust accordingly.

I love to budget. I get to have a line item for all those Expressos!!

Grrat video. Loved the Ginger Billy clip.

I skip having a monthly bill and try to save money as much as I can on it.. I pay $202.86 (mint mobile) for a whole year with 5GB of internet. That's around $16.90/month. I deleted all my social media accounts and left installed on my iPhone what I need: Maps, Calendar, Uber, Bus Ticket app, Obsidian (note taking app), etc. I did this to save internet data. I also don't finance phones. I save and buy it cash. In 2020 I bought the iPhone SE, still have it and works perfectly fine.

That Nestle Crunch hit in the face made me subscribe. Well done.

Great video

Doing this made me realize I need a third job. Utilities keep rising as well as insurance and food and that is something I cannot cut out. Its sucks when you are trying to eat healthier and your bill is significantly higher. I wanted to get rid of the dog, but my husband said no....

We love you George!!!

Love George’s personality. He and Jade together on the show are GOLD!!

My biggest takeaway from this is that I need to change my sheets lol

Yes please on the irregular income based budget! 🎉

Video on irregular income pls!!! I have irregular income and having a hard time with my budget.

I just use a spreadsheet with a tab for every month. Each tab shows the current amount we have in each bank account, the total of our paychecks for that month, every single bill that is paid for that month, and what extra money we've spent whether it's some kind of emergency, maintenance, or just for fun. I even have this spreadsheet to estimate what we should have by the end of each month pending that we stick to the budget or no emergencies pop up. I base our fun money due to our expenses and what we want to be able to save after everything is paid for.

Who has $1200 rent anymore these day. That barely exists anymore.

@wayward03

3 ай бұрын

A studio in Detroit lol 🤣

@119jle

2 ай бұрын

Mine is $1086 furnished. Florida

If I’m over budget, I’d have to stop the giving until I get debt under control.

If you have debt, is it still smart to give 10% to the church? Or is it frowned upon to use that money to get OUT of debt and make your life better and then give that money to church if you want

@ashleyb6258

Ай бұрын

If one has a relationship with God, I would think one would want to obey what he says regarding tithes. Also, it’s all His money anyways.

George you crack me up! Average single person bringing home 4,000 a month, I wish🙄

Great Video!

I love that you snuck in "the order of operations"..... those guys have some good advice, but the Baby Steps are (IMHO) a better way of life, I am a Ramsey fan for life. Dave, George, Rachel, Jade, John, Ken and the rest of the gang have changed my life for the better 10 fold. I strive everyday to pass on the blessings. You guys are the best!!! THANK YOU!!!!!!!

❤great example thank you😊

Preciate it George

An irregular income version would be amazing, us hairstylists need help tooo

@mindyvaughan9638

Жыл бұрын

You can add more paychecks, if you can predict weekly, make it 4 paychecks, or if you are daily, add 30 or 31 paychecks 😂

Appreciate the tithing reference! First things first.

I would love a video on how to budget with an irregular income.

Yes video irregular income! Thanks!!

Yes I have an irregular income and need all the help I can get for budgeting. thank you!

Please record a video showing the budget with an irregular income.

I liked and subscribed because you had me giggling 😂

He is such a great, refreshing addition to the Ramsey family. But one area they need to get with the times on is the true cost of housing in 2023. Sure there are places in maybe Alabama and North Dakota where you might be able to spend $900 on rent, but how often does that exist anymore? In live in NJ, and a 1 bedroom apartment with bullet holes in the walls runs about $1400. If you want to live in a mostly safe area with clear water running from the faucets, it’s closer to $1550. On a 74k annual salary, this is about 35-42% of take home pay. $1000 per month for an apartment simply does not exist anymore. Not anywhere in this state.

AWESOME awesome!!

This is great! Would love to see a video focusing on the savings categories...I find the Funds feature doesn't work how you'd think. It counts as $ budgeted but not spent, does the app think it comes out of thin air? Any advice or videos on that feature?

@trishamccrea6812

7 ай бұрын

I’m trying to figure that out myself!

Yes please, video on budgeting for irregular earnings income, ie all of us who are self employed. 😊

As a Canadian, I would like to point out that "bacon" here is the same as whst you call "American bacon". The other types is just ham

Great video George! As Freelancer my income changes every month, some months are extremely low and others are incredibly high, how would you budget for this?

Yes do a video on irregular income budgeting

George - I do want to see a budget on irregular incomes. I also need you to make the App available to people outside of the USA!! Please I need your help! (Who’s Donna summers 😊?)

Yes, make a video on irregular income budgeting

Good stuff

George finally stopped calling himself a "networth" millionaire.. bro. You're a millionaire. Own it.

I feel like monetary giving should be paused until out of debt. In this example if this person would give time and volunteer as their side hustle it would pay the $400 effectively since that is the giving amount George decided on.

My favorite part is when George mentioned he goes to planet fitness. Truly a George Kamel experience

Irregular income budget video, YES PLEASE!