As others have said, I'd love to see more collabs with people of differing opinions. Such a good episode, and helps prevent the channel turning into an echo chamber.
Great conversation between the three of you George. I’ve been following Jasphret for years on Minority Mindset, and thanks for introducing me to Humphrey. Ramsey Solutions for the win!
You sure it was his idea? Wouldn’t be surprised if it was one of his younger gen workers that pushed it. He has said most of his company’s income doesn’t come from his involvement nowadays
You should interview people who have gone through the baby steps and ar in different parts of the journey. It would be cool to see the difference of how the mentality changes throughout the process first-hand.
This was really refreshing to see minorities represented in this conversation. Everyone was sensible and still very honest. Looking forward to more content with younger generations and bringing women voices to the table!
This was a great episode! To create wealth you have to create something that helps a lot of people. We took our household income from $180k to $518k in 3 years by starting a business. We took 18 months to become debt free, saved up another year to save 6 months of living expenses beyond emergency fund to live on while opening the business and getting started. We opened in 2020 and made $32k that year, living on nothing, delivering pizza, working on business at night. We had experience with rice and beans and that was a big part of our success. That’s mind blowing 🤯 now. Now I’m learning about taxes since we paid / will pay over $100k this year. Now it’s time to use our earned income to create passive income, and depreciate assets to pay less taxes and use that to feed the machine. We are 37 and don’t have a lot of time to create generational wealth. Let’s go!
First generation Mexican here, my parents came here with nothing. I saw how hard my dad worked, and I did the same growing up. My big advantage was qualifying for a full ride to a private university since I came from a low income household. Now I make six figures, trying to pay off consumer debt so i can get through the Ramsey Baby Steps!
Ayyyyy! Heck yeah do it Hermano. I’m 3rd generation and I watched my family struggle even though my dad worked hard too. I joined the military to have my education paid for. I hope to be able to make six figures one day too. Took and instructed Ramsey FPU classes so I can at least know what to do with that much money when I get it lol! Good stuff
I have been watching Jaspreet and Humphrey for quite a while. And recently started watching George (and also now listening to his audiobook narrated by him, and he's so funny, great book, totally recommend). Three of the best brains - learnt so much from you guys! Thanks for this episode George, it was great watching you all together.
This is one of my favorite shows so far. It was nice to highlight different points of view. This was presented with such grace. Thank you for sharing different insights. Loved it!
My family immigrated here from Greece. They had the same mentality. Be a doctor and if you fail be a lawyer. At the same time they sweated their life out in the restaurant business to pay for our schooling and life. By the time my cousins became doctors lawyers and judges the family restaurants were making more money than doctored and masters make because the business was established and the overhead/real estate was paid off. My cousins who stayed in the family business and didn’t go to school made the most money. I am the anomaly who did neither.
As a ninth generation American, I find this fascinating. My ancestors came to America for religious freedom. We have been involved with farming all through the years. None of us have a higher education. We all have a good work ethic. We live comfortably with very little debt. We probably are worth millions because of our farmland, but we are just common everyday people.
By the 3rd generation a family is completely integrated into the culture. I don’t know why you specify 9th generation 😂 that’s like 20 years after America was founded.
I CHOSE to max out my 403(b), chose my asset allocation, got free money - and have built a nice nest egg. I also have a ROTH, a CD ladder, a HYSA, and a brokerage account.
All my favorite UA-camrs in one spot! As for the first generation in America, at the least there is a different perspective based on very different past experiences.
@abrareads decommodifying housing in my mind would be making housing less of an investment by giving home buyers that do not currently own property a better interest rates/ down payment assistance etc. Etc. and giving home buyers that already own property higher interest rates or a requirement to put more money down. In my mind this only applies to single family homes. I dont think this is excessive government regulations. But I don't think people should be able to use an fha loan when they already have a property. Thoughts?
I think that makes sense. I agree that the federal government should not be backing loans for anything but primary residences. There are interesting ideas in the world that could actually help people that governments will not entertain.
I disagree to an extent, there’s a supply issue with home buying. Lots of homes or apartments are owned by foreign investors. I would limit foreigners to buy homes or rentals. Most of the year they’re either empty like in Florida when Canadians come down during winter or other parts of the world to visit. The supply would increase with these empty homes that demand will decrease significantly, therefore lowering home prices.
The fact they give Americans credit that they can save and not blow their money unless its tied up in a 401k is baffling to me. 100% agree with Kamel on the 401k question.
''There's room for all of us'' well said George Kamel! Thank you for doing this respectful piece. Instead of bashing those you share this space with, you got together in a respectful way to explain to your audience your points of divergence and convergence. I saw another piece from a finance you tuber that I respect bashing his peers and it was distasteful. Well done you!
In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.
you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.
My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. 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.
George - this was great --- we have 1 joint account but at the same bank, we keep 2 separate "fun money" accounts that we can spend whatever we want. When we log on to the bank, all 3 accounts show up and are linked together. Isn't this the same as having 1 account - but it just separates (almost like a bucket account) the balances so we can spend that money on things we individually want to buy?? We generally fund it once a year that covers us for the entire year. She has roughly $10K per year, and I generally fund mine with $7500 per year.
Agree. I have several colleagues at work who retired with 401k accounts above $2 million. They plan to use the 4% Rule and have more than their annual expenses
Brilliant idea to have a collaborative show! Loved seeing the different perspectives from my two favorite personal finance YTubers who have educated me and helped me increase my networth! 🤑💰
I normally don’t comment on videos, but this one deserves a good comment. Excellent video and a lot of good information. It was nice to see people with different opinions/ financial ideas have a respectful and lovely discussion.
Great show! Thanks for creating a space for potentially varying perspectives to be shared from very respected voices in personal finance. We learned that there are more similarities than differences, which is cool to see. I often think, what would this expert or that expert suggest about this or that and why. This episode covered the bases well on many of the questions people ponder. George, appreciate you doing this and good job managing it in a creative way.
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
Thanks for having me on George, what a fun time! 🥑🥑🥑
i'm hitting up chipotle and getting extra guac after this episode, cool collab (as i follow both your guys channels)
@@stevenporter863 so never buy a home then. Pay your landlords appreciation.
@@tiagoj8020 Did you listen to the clip? It is something you buy as an indulgence with wealth, not to rationalize it as an investment.
Very impressed with your logic in all these questions sir, thank you!
Where do you go for suits in Detroit?
This episode was fun to film and challenged my own beliefs about personal finance! George - thank you for having us my man
You were great on this episode man! Love your channel too!
thank you appreciate it!@@crashtestdummy1972
I enjoyed see you on this show. Was a great show
This was a really fun video to watch! You are all wonderful! 😊👏
Can we get this as a series? Podcast? Gameshow?
As others have said, I'd love to see more collabs with people of differing opinions. Such a good episode, and helps prevent the channel turning into an echo chamber.
Great conversation between the three of you George. I’ve been following Jasphret for years on Minority Mindset, and thanks for introducing me to Humphrey. Ramsey Solutions for the win!
Best idea Ramsey has had. Collabing and creating this type of content
You sure it was his idea? Wouldn’t be surprised if it was one of his younger gen workers that pushed it. He has said most of his company’s income doesn’t come from his involvement nowadays
@@Joey_DiGs when I say “ramsey” I mean the show as a whole. Whoever came up with it under the umbrella of the “Ramsey” name
@@Arnold001-1 gotcha
@@Arnold001-1 It was Rihanna the one under the umbrella bro.
You should interview people who have gone through the baby steps and ar in different parts of the journey. It would be cool to see the difference of how the mentality changes throughout the process first-hand.
The Avengers of personal finance! What an awesome collab 🔥
more like the marvels... total flops
Caleb would be Hulk
This is one of my top three George Kamel episodes. 👏🏽👏🏽👏🏽👏🏽. Great views on finance. Please do a part 2
Budgeting is like dieting. It’s about being aware of what you’re eating/consuming.
Gotta respect George’s hustle. Collabing with some of the greats of UA-cam finance.
Minority Mindset is another channel I listen to a lot. Classic episode!
It's repetitive
I love the colab! Great to see a nice discussion on different perspectives.
Collaboration not Competition. A sweet fragrance from positive minds😊
I love this segment!!!
Three of my main finance gurus in one room. More of these George!
Hey George, I like how you created a safe and cordial space to have a debate. Very impressive how you handle it. Props to you my dude!
George...GREAT SEGMENT!!! 👍🏿 👍🏿 👍🏿
I look forward to you continuing it!!! 😍
This was really refreshing to see minorities represented in this conversation. Everyone was sensible and still very honest. Looking forward to more content with younger generations and bringing women voices to the table!
Being a Minority does not matter at all. Neither does being a woman. Why should it matter ?
@@Lancelot0311different perspectives are wonderful. It’s great to hear voices from different cultures/values/industries, etc.
Looooooved this collab!!!! Minority Mindset be looking sharp, dressing like an Indian king 😉
Love it! My partner is Punjabi, and I think they are very handsome.
@@debbielockhart7762they? Gender dysforia stuff?
What an awesome episode! I love the ability to disagree and still have space for free thought. One of my all-time favs.
This was a great episode! To create wealth you have to create something that helps a lot of people. We took our household income from $180k to $518k in 3 years by starting a business. We took 18 months to become debt free, saved up another year to save 6 months of living expenses beyond emergency fund to live on while opening the business and getting started. We opened in 2020 and made $32k that year, living on nothing, delivering pizza, working on business at night. We had experience with rice and beans and that was a big part of our success. That’s mind blowing 🤯 now. Now I’m learning about taxes since we paid / will pay over $100k this year. Now it’s time to use our earned income to create passive income, and depreciate assets to pay less taxes and use that to feed the machine. We are 37 and don’t have a lot of time to create generational wealth. Let’s go!
Wow. What business did you start, and what were you doing before that to earn $180K?
First generation Mexican here, my parents came here with nothing. I saw how hard my dad worked, and I did the same growing up. My big advantage was qualifying for a full ride to a private university since I came from a low income household. Now I make six figures, trying to pay off consumer debt so i can get through the Ramsey Baby Steps!
Ayyyyy! Heck yeah do it Hermano. I’m 3rd generation and I watched my family struggle even though my dad worked hard too. I joined the military to have my education paid for. I hope to be able to make six figures one day too. Took and instructed Ramsey FPU classes so I can at least know what to do with that much money when I get it lol! Good stuff
Ramsey baby steps work. For those who really “drink the cool aid”. I can guarantee it works. From a BlueCollar Millionaire Truckdriver
@@frev9460 orale hermano! Yeah for sure I'm a senior Software developer now and pretty much doubled my starting salary. That's awesome you got this!!
Same here Mi Amigo, being first Generation parents from Mexico 🇲🇽 as well making 6 figures the hustle is real especially for a minority.
@@elchapojr6219 for sure, glad to hear it!
wow, id never thought I'd see this colab. i watch all of you guys all the time. Thank you!!!
I appreciate that y'all would bring on different viewpoints.
I have been watching Jaspreet and Humphrey for quite a while. And recently started watching George (and also now listening to his audiobook narrated by him, and he's so funny, great book, totally recommend). Three of the best brains - learnt so much from you guys! Thanks for this episode George, it was great watching you all together.
This is one of my favorite shows so far. It was nice to highlight different points of view. This was presented with such grace. Thank you for sharing different insights. Loved it!
My family immigrated here from Greece. They had the same mentality. Be a doctor and if you fail be a lawyer. At the same time they sweated their life out in the restaurant business to pay for our schooling and life. By the time my cousins became doctors lawyers and judges the family restaurants were making more money than doctored and masters make because the business was established and the overhead/real estate was paid off. My cousins who stayed in the family business and didn’t go to school made the most money. I am the anomaly who did neither.
Humphrey seems like a chill dude to hang with
Love to see how you guys are branching out!!
Really like this new segment/series!
Have them again, this was so fun....and respect to you to have influencers on different platforms being interviewed on Ramsey solutions
More collabs like this please
Wow!! What an awesome colab!!!! Appreciate you reaching out to other UA-camrs!!!
Great video!! 😁👍🏼
It hurts my soul that I can only like this video once. Great conversation, appreciate it.
Jaspreet is the man! So glad to see you doing a video with him
That 30 second guac diatribe was everything to me
🥹 thank you George
Absolutely love this format, and Jaspreet and Humphrey Yang are two of the better financial UA-camrs out there. So awesome to see them on here!
I never thought I’d see a video with George and jaspreet
I’m alllllll for it!!!
What a great new series!!!!!
As a ninth generation American, I find this fascinating. My ancestors came to America for religious freedom. We have been involved with farming all through the years. None of us have a higher education. We all have a good work ethic. We live comfortably with very little debt. We probably are worth millions because of our farmland, but we are just common everyday people.
By the 3rd generation a family is completely integrated into the culture. I don’t know why you specify 9th generation 😂 that’s like 20 years after America was founded.
Many millionaires are quiet everyday people! Including first generation US citizens.
I CHOSE to max out my 403(b), chose my asset allocation, got free money - and have built a nice nest egg. I also have a ROTH, a CD ladder, a HYSA, and a brokerage account.
All my favorite UA-camrs in one spot! As for the first generation in America, at the least there is a different perspective based on very different past experiences.
3 titans of the finance. Congratulation George and God Job to make this possible.
I am conlicted when it comes to so many starter homes being bought as rentals. It is making it harder for people to enter home ownership.
Yup. Decommodifying housing someway would be beneficial to society
@@Asianator3000 although, I am leery of a corrupt government regulating housing. What do you mean by decommodifying and how could that happen?
@abrareads decommodifying housing in my mind would be making housing less of an investment by giving home buyers that do not currently own property a better interest rates/ down payment assistance etc. Etc. and giving home buyers that already own property higher interest rates or a requirement to put more money down. In my mind this only applies to single family homes.
I dont think this is excessive government regulations. But I don't think people should be able to use an fha loan when they already have a property.
Thoughts?
I think that makes sense. I agree that the federal government should not be backing loans for anything but primary residences. There are interesting ideas in the world that could actually help people that governments will not entertain.
I disagree to an extent, there’s a supply issue with home buying. Lots of homes or apartments are owned by foreign investors.
I would limit foreigners to buy homes or rentals.
Most of the year they’re either empty like in Florida when Canadians come down during winter or other parts of the world to visit.
The supply would increase with these empty homes that demand will decrease significantly, therefore lowering home prices.
This was the best segment I have seen in a long time. Excellent. Sharing❤❤
Fantastic show, great topics and editing. Excellent question & answers too.
This was a fantastic episode! Loved all the different perspectives!
Yes on family immigrants and what yall said.... came from Lebanon... very thankful!
I loved this episode. I love the openness
Enjoyed seeing the three of you with different views able to be respecful while having fun.
❤❤❤All three of my favorite financial UA-camrs!! 🙌🏽 Now we need to bring on Ramit Sethi 👌
I love Jaspreet’s content and I love that he is sharing about his life here. ❤
The fact they give Americans credit that they can save and not blow their money unless its tied up in a 401k is baffling to me. 100% agree with Kamel on the 401k question.
This was a lot of fun to watch and informative. The three of you were so respectful of each other. Thank you to all three.
This IS a great watch!
Keep this series going!
One of the best episodes ever George! Keep it up!
Love this episode. I definitely would love to see more of these collaborations with finance influencers fun to listen to multiple perspectives
Great episode! Loved hearing multiple views
''There's room for all of us'' well said George Kamel! Thank you for doing this respectful piece. Instead of bashing those you share this space with, you got together in a respectful way to explain to your audience your points of divergence and convergence. I saw another piece from a finance you tuber that I respect bashing his peers and it was distasteful. Well done you!
Great blog a combo of 3 of my followed youtubers. It was relaxing to watch, no one tried to feel superior but focuses on learning. Thank you all.
Genius new series
Getting some GMM Vibes! Love it! (Good Mythical Morning)
I so enjoyed this episode. Great perspectives from everyone. Im following Jaspreet and Humphry now to make sure I stay well rounded 😊
I watch Humphrey Yang and you often. It's great to see you two talk about thing together.
Great collab!
I love the three of you on this episode. It's so great to hear differing financial opinions. Great video.
This was SO GOOD!! It was fun AND educational!! Always looking to broaden my field of experts!
Great and respectful discussion! ❤❤❤
The socks man. ❤ love it!
Great episode. always good when you mix/feature people we appreciate 👏🏾
This was a fan episode George. Loved it 🇬🇧🇬🇧🇬🇧
This was awesome!!! I like that I found 2 more people I can follow for financials!
So refreshing to see a Ramsey universe video that's open to other views and not ramming ideology down people's throats. Well done all
This was fun! We need more of these
Love the idea of this “game show” can’t wait to see and hear more!
Definitely learned A thing or two. Great help fellas
BEST VIDEO 💯💫.. I'm a Chartered Accountant, and I'm looking foward to managing my finances very well 💫
I watch all three of these guys. I did not see this coming glad you put it together George
This was AMAZING! You have earned my subscription, PLEASE keep up the great content!
George you are like a fine wine, getting better with time and better with food (guests) 😁 seriously tho love the new content!
Man you killed it! Those 2 guys are the best!
Great episode! Thank you all 3 of you :)
Really enjoyed this episode!
Great collaboration!!!
Awesome collaboration!
In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.
you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.
That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional guiding you?
My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. 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.
I checked Melissa up out of curiosity and i must say i am impressed by her Credentials. i emailed her already, waiting on her response.
If I was you (not advice), I would look into high yield Savings accts as start. Than look for a financial advisor.
Ive all 3 before today. Thanks George your great.
George - this was great --- we have 1 joint account but at the same bank, we keep 2 separate "fun money" accounts that we can spend whatever we want. When we log on to the bank, all 3 accounts show up and are linked together. Isn't this the same as having 1 account - but it just separates (almost like a bucket account) the balances so we can spend that money on things we individually want to buy?? We generally fund it once a year that covers us for the entire year. She has roughly $10K per year, and I generally fund mine with $7500 per year.
I like how rounded this conversation was. Also nice to see Jaspreet and Humphrey in a more casual setting.
This was great and a FAST 30 minutes. I'd love to see them on your show again sometime.
5:43 absolutely agree…and that’s how I’m gonna do it…! George is right here for * most people
Agree. I have several colleagues at work who retired with 401k accounts above $2 million. They plan to use the 4% Rule and have more than their annual expenses
This is a great segment idea! Please do more shows like this!
Brilliant idea to have a collaborative show! Loved seeing the different perspectives from my two favorite personal finance YTubers who have educated me and helped me increase my networth! 🤑💰
Great video George!! I liked the idea of having other cohosts on the show too!
I normally don’t comment on videos, but this one deserves a good comment. Excellent video and a lot of good information. It was nice to see people with different opinions/ financial ideas have a respectful and lovely discussion.
George,..... You are getting closer and closer to a MILLION subscribers!!
Great video ! Really enjoyed it
Very interesting. I watched to the end👍
Great show! Thanks for creating a space for potentially varying perspectives to be shared from very respected voices in personal finance. We learned that there are more similarities than differences, which is cool to see. I often think, what would this expert or that expert suggest about this or that and why. This episode covered the bases well on many of the questions people ponder. George, appreciate you doing this and good job managing it in a creative way.
Excellent series. This made some great conversation between partners. Looking forward to more.
That was fun......glad to see East West and South Asia together