George Kamel

Let’s be real—most of us are coming out of 2025 with more stuff, more stress and less margin than ever before. So, what will it actually take to spend less and get a fresh start with your money in 2026?Today, I’m joined by someone who’s well-equipped to answer that question: author and co-host of The Minimalists Podcast T.K. Coleman.    Next Steps: • 📚 Check out T.K.’s book Emotional Clutter. • 🎥 Watch my video America’s Newest Money-Saving Trend Is Really Gross. • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   • Get up to 20% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

2025 was one for the books when it came to guests on the channel. So today, I’m revisiting some of my favorite conversations from the past year and the advice that stuck with me. Next Steps:   • 🎥 Watch my video I Asked More People How Much Debt They Have. • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   • Go to Cozy Earth with code GEORGE for an exclusive offer. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! Today, I’ll be sharing 11 frugal habits that helped make me a millionaire—so you can use them to stop wasting money and start stacking it. Next Steps: • 🎥 Watch my video 9 Things Frugal People Know About Saving on Vacation • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 🛡️ Re-shop and save with a Ramsey Trusted Pro.   Connect With Our Sponsors: • Get up to 40% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🎥 Watch my video The Debt Trap No One's Talking About Americans spent almost $1 trillion on Christmas in 2024. So today, I’m hitting the streets of Franklin, Tennessee—a city straight out of a Hallmark movie—to ask people one simple question: What’s the most you’ve ever spent on a Christmas gift?  Next Steps: • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors:  • Get up to 40% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

🎥 Watch my video This Tax Advice Will Get You in Trouble.   You ever feel like life is getting just a wee bit too expensive? Today, I’ll be reacting to TikToks featuring people coming to grips with the cost of living in these here 20s. And it won’t just be me. Because I’ll be joined in this endeavor by my friend and Smart Money Happy Hour co-host, Rachel Cruze.    Next Steps: • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 💵 Start your free budget today. Download the EveryDollar app! • 📞 Save on your phone plan. Go to Boost Mobile to switch today! Connect With Our Sponsors: • Get up to 40% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app!   I love Christmas just as much as the next guy, but you don’t need to put that 24-karat golden Labubu on buy now, pay later (be so for real, Christina). In this episode, I’m laying out why buy now, pay later is one of the biggest scams you should avoid at all costs.     Next Steps: • 📈 Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors: • Get up to 40% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📙 Read my book, Breaking Free From Broke.   Mr. Beast just filed a trademark to launch his own banking app, complete with crypto and credit cards. And today, we’re breaking it down. Plus, I’ll give you my take on the situation and explain why this may be a symptom of a much bigger problem in the financial world. Next Steps:  • 🎥 Watch my video Investing for Beginners. • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: • Get up to 40% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Start your free budget today. Download the EveryDollar app! If you had to spend one hour every day doing only things that scare you, what would that look like? I recently saw a TikTok trend called “Scary Hour.” And I’ve got to say—I kind of love it. So today, we’regoing to see what it’s all about.   Next Steps: • 🎥 Watch my video America's Newest Money-Saving Trend Is Really Gross (feat. @TheMinimalists) • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 📋 You need a will! Make one with Mama Bear Legal Forms. • 💰 See your debt-free date with our Debt Snowball Calculator.    Connect With Our Sponsors: • Get up to 40% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

💰 Get in touch with a RamseyTrusted tax pro.   Tax day may seem far off, but it’s right around the corner! In today’s video, we’ll look at eight things you can do before the end of the year to avoid overpaying the IRS so you can use more of your hard-earned cash on the things in life that really matter.   Next Steps: Watch my video Money Expert Shocked by Broke TikTokers. 📈 Are you on track with the Baby Steps? Get a free personalized plan.  💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: Get up to 40% off Cozy Earth with code GEORGE. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show   🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Right now, people are paying over $700 a month for a new car on average. That’s a lot of money, and I honestly don’t know how they’re affording it—which is why I’m going to ask. That’s right, we’re heading to the mean streets of Franklin, Tennessee, to ask people what they’re really forking over for their rides each month.  Next Steps: • 🎥 Watch my video Is Your Car Robbing You of $6,000,000? • 📈 Are you on track with the Baby Steps? Get a free personalized plan. • 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors:  • Get up to 40% off Cozy Earth with code GEORGE. • Get 20% off when you join DeleteMe. • Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices