Breaking Free From Broke The Ultimate Guide to More Money and Less Stress

and the novel Less. I think it won the Pulitzer Prize last year is very well worth a read.

George Campbell's new book Breaking Free From Broke exposes the most common money lies and excuses head-on like credit card schemes investing traps and mortgage mythology it's all the stuff you wish you had been taught somewhere in school but weren't and he shares a story how he went from a negative net worth to a millionaire in less than 10 years and it's a number one bestseller

It's been fun I love I'm getting DMS now as people have been reading it and they got the every dollar budget going and they're saying I cut up my cards thank you for exposing the system especially young people and that now they're saying I'm gifting it to the young people in my life to help them avoid the mistakes that I made so this is preventive medicine now because Dave you've been doing the emergency surgery for about 30 years plus now and I'm trying to help the next generation avoid all of the broke mistakes

there's two things in this book that are exceptional number one the level of snark is fabulous that's in there the George quality brand snark is all through here and the other thing is the depth of research and the detail you go into on why these things suck I mean it's not just you ranting it's we have I think a hundred and forty sources in the book and they're all in there because I wanted people to know this is not my opinion anymore this is all data-backed

breaking free from broke the ultimate guide to more money and less stress ramsay solutions comm slash store place to go there you go

George Campbell, Ramsey personality, is my co-host today. He is a big star on YouTube on The George Campbell Show and also, of course, co-host of the Smart Money Happy Hour and author of the brand new book that comes out next week called Breaking Free from Broke, The Ultimate Guide to More Money and Less Stress.

Do you want to have more money and less stress? Grab Breaking Free from Broke by George Campbell.

I'm going to send you a copy of my book Breaking Free from Broke Nate. I walk through exactly what you just laid out. You fell for the trap you fell for the lies. What now? And that book's going to help you do just that.

I'm gonna send you a copy of my book 'Breaking Free From Broke.' I wrote it for that exact reason to show people it's still possible and most people, they overestimate what they can do in a year they underestimate what they can do in a decade.

I'm going to send you a copy of my book, Breaking Free from Broke, because in there I lay out the entire process for how to buy a house without a credit score.

Hang on the line and Kelly's going to pick up. We'll send you a copy of that book.

Hang on a line, Hannah. I'm going to send you a copy of my book, Breaking Free from Broke as well as Financial Peace University.

Hang on the line, James. I'm going to send you a copy of my book, Breaking Free from Broke. I want you to read the credit scores chapter because I think it will make you have an even worse taste in your mouth towards the system and help you overcome it.

Hang on the line. I'm going to send you my book Breaking Free From Broke and we're going to navigate some of this.

That's what I cover this in my book, Breaking Free from Broke in the Investment Traps chapter.

And so that's what I cover this in my book, Breaking Free from Broke in the Investment Traps chapter.

Would he read my book if I sent it to you?

I can't send you that book but I wrote it with the younger generation in mind to help them avoid some of these traps that we're seeing on social media that make it look so easy.

I'm out there on YouTube, I'm trying to do the dang thing, trying to help people build wealth but nobody likes my advice when I'm like, hey, if you invest consistently for 30 years you'll become a multimillionaire.

I talk about the three stooges of wealth building in the book. It's fear, greed, and pride.

Hang on the line, we'll send you a copy of my book, Breaking Free from Broke. It'll walk you through this. It'll make you never want to touch debt again at Financial Peace University.

It'll walk you through this. It'll make you never want to touch debt again at Financial Peace University.

You know, you could get George Campbell's Breaking Free from Broke.

This is the millennial and Gen Z snarky well-researched version of what we teach and it's really, really good.

And it's selling like crazy, especially among the age group of newly graduated folk.

Breaking Free from Broke, the ultimate guide to more money, less stress.

And George is the king of snark.

The ultimate millennial and Gen Z guide to all things Ramsey is George Campbell's Breaking Free from Broke, full of snark and full of great research.

This thing is an amazing book, also a bestseller, number one bestseller, and a great millennial gift, a great Gen Z gift because written by one for one and all that kind of stuff.

I didn't know George's words were that...

I know I'm invested in some and Rachel, you are too, for sure.

To your point, index funds are not bad. They're passively managed and the whole point is they follow whatever index it is.

If you're investing and you're not investing in single stocks in many ways, I'm just happy that you're doing the muscle of investing.

I think we're in the era of TikTok and Instagram do-it-yourself.

I'm going to send you a copy of my book, Breaking Free From Broke. I want you to read the investing traps chapter with your husband because I cover permanent life in detail, explaining with the numbers and covering the different types. And I think it will give you some peace that you guys are doing the right thing.

I talk about in my book, the feeling of being at the register and you go to slide your card and you think it's gonna be declined. You don't know is it gonna be declined? Is it gonna go through? All of those things that make your heart beat fast and make your armpits sweat, that all still lives inside of you.

And yours truly, my book Breaking Free from Broke, a number one bestseller, exposes all the money myths and traps that those grads are about to experience. It'll help them avoid that and build wealth in spite of all of it.

George Campbell's book is probably better for a graduate because it's more relatable because George has got the millennial snark down to a freaking science.

And so you will love this.

I loved it because I love the millennial snark.

So Breaking Free from Broke, The Ultimate Guide to Mo' Money and Less Stress.

Check it out.

It was number one bestseller.

It's on sale right now for graduates.

And my number one bestseller, Breaking Free from Broke, exposing the money myths and traps out there. It's sort of like financial peace for the next generation.

It's riddled with jokes and humor. I put the cookies on the bottom shelf.

So hang on the line. I'm going to send you a copy of my book, Breaking Free from Broke.

I'll send you a copy of my book Breaking Free from Broke

Breaking Free from Broke

It's fun, witty and very Gen Z millennial, very George.

We'll throw in George's book too, "Breaking Free from Broke", because he does talk about a lot of the money traps that we can fall in and I think it'd be really helpful for you Eric too.

It's this generation's total money makeover.

I'll send you the book "Breaking Free" from broke. I want you to read all of this and send me a DM and congratulate me if it helps and if we can help in another way. So, yeah, I'll send you the book. Good luck.

Number one bestselling author of the book Breaking Free from Broke Ramsey Personality

I'm going to send you a copy of the book entree leadership which was a number one bestseller on how I grew this business from a card table in my living room to what it is today which is a 300 million dollar business with 1100 team members

Number one bestselling author of the book Breaking Free from Broke and the hottest YouTube show out there George Camel with a K Ramsey personality he's my co-host today

He's the author of the book Breaking Free from Broke number one bestseller he's also the host of this george camel show which is a very popular youtube show on the ramsey networks and of course is the co-host of the smart money happy hour as well

George Kamel Ramsey personality number one best-selling author of Breaking Free from Broke is my co-host today.

George camel Ramsey personality is my co-host today he is the author of the best selling book breaking free from broke it has been a huge seller the ultimate guide to more money and less stress.

George Campbell Ramsey personality is my co-host open phones at triple eight eight two five five two two five Elizabeth is in Charleston South Carolina.

You want to break free from broke well you would get the book breaking free from broke them by my co host today George camel Ramsey personality number one best selling author very cool

George Campbell Ramsey personality is my co-host today I'm Dave Ramsey your host thanks for joining us James is with us in Chicago hi James welcome to the Ramsey show

George Campbell Ramsey personality is my co-host today thank you for joining us every dollar is our world class budgeting app that helps you manage money the Ramsey way it simply works wherever you are

George Campbell Ramsey personality is my co-host today thank you for joining us we're so glad you're here hey thank you guys we're seeing our numbers on Spotify and our numbers on Apple podcast our numbers on YouTube are all through the roof we're one of the top rated shows in all of those venues and platforms and it's because of you guys we appreciate you listening watching and sharing the show

Hey, hang on the line. I'm going to send you a copy of my book, "Breaking Free from Broke".

Get it wherever books are sold.

As a little graduation gift Heather I'm going to send him a copy of my book Breaking Free From Broke.

It'll help him avoid so many of the traps that he's about to encounter as you set foot into adulthood.

Ramsey personality number one best-selling author of the book Breaking free from broke.

I wrote a book called breaking free from broke and there's a whole chapter on credit scores.

I wrote a book called breaking free from broke and there's a whole chapter on credit scores. There's a whole chapter on credit cards and so my one ask is that you read it before you make any other financial decisions.

And so I talk about this in my new book Breaking Free From Broke under the investment traps and I talk about cryptocurrency, which Bitcoin is sort of the 800 pound gorilla in the room of cryptocurrency and I compared it to Mary K for young men.

And I lay out the reasons I talk about multi-level marketing.

Do you want to have more money and less stress? Grab Breaking Free From Broke by George Kamel.

I unpack all of this in the credit cards chapter of my new book breaking free from broke.

I'm telling you you will want to take a shower after reading that chapter unpack the studies

I go through every objection that's in your mind

I'll show you how to live live life outside of the credit card and credit score system

Hang on the line, I'm gonna send you my book Breaking free from broke to give you some hope along the way, this is The Ramsey Show.

Go through both of those with your husband.

I listen to Breaking Free from Broke by George Campbell and George mentioned the whole and Universal life insurance are not wise forms of investing.

And I write about this in my book, Breaking Free from Broke, John, to try to steer people away from it.

And I walk through all of the reasons it is in existence to screw you.

And the best thing you can do is just save up and buy a cash car you can afford versus listening to the human brain that says, oh, shiny. Shiny thing.

I'm going to send you my book breaking free from broke along with every dollar premium.

I'm going to send you a copy of my book breaking free from broke to specific homework assignments.

After reading George Campbell's Breaking Free from Broke and the chapter about car loans, I felt guilty for being a part of this industry.

And I'll also send you my book Breaking Free from Broke that will walk you through this process and what it looks like beyond that.

So you would be the perfect spender. You're the person who says I pay it off every time in full and never paid a dime in interest.

And I'll also send you my book Breaking Free from Broke that will walk you through this process and what it looks like beyond that.

How do you build wealth? What are some of the investment traps to avoid?

In my book, Breaking Free from Broke, I break down the eight character archetypes.

So you would be the perfect spender. You're the person who says I pay it off every time in full and never paid a dime in interest.

Your husband would be who I call the credit scorekeeper who's going, I got to get my credits.

I'm gonna send you a copy of breaking free from broke I think that's going to put a pep in his step to go oh my gosh this debt is disgusting me I want to get out now

I'm giving away your your bookstores so kind and total money makeover which is just kind of the playbook of the baby steps but i really want you to start learning this stuff and doing it

I'm going to send you a copy of my book Breaking Free from Broke.

I want you to read I believe it's chapter five on car loans because I break all of this down.

i did have a car no but over the past month i was like i got really aggressive with that eight twenty k of that off um and about the month so i guess my my question is like how how do i and i think i may know the answer but how do i grasp this number it's just so daunting

listen to your book uh break and feet from broke on yesterday and i was like the chapter on student loans and i was like yep this this was like written about me

and while we're at it, I'm gonna, I'm gonna send you a signed copy of the book "Breaking Free From Broke"

i'm going to send you a copy of my new book breaking free from broke it'll walk you through all these baby steps it'll talk about wealth it'll talk about investing uh in mortgages all of that stuff is in there and i hope it gives you some um confidence for your retirement

research from the fed reveals twenty six percent of non-retired americans have zero dollars in any kind of retirement account that's one in four non-retired people this is not great and in research from ramsey solutions forty eight percent have less than ten grand saved in retirement

i talked about this in my new book breaking free from broke

I'm going to send you some tools to help number one is a copy of my book breaking free from broke

I'm also going to send you a copy of my new best selling book breaking free from broke specifically read the credit cards chapter.

I've been hearing so many people they've been sending me videos cutting up their cards saying you finally push me over the edge to cut up the cards.

It gave me the IK and I am done with that system so Lauren.

I'm also going to send you a copy of my book, Breaking Free From Broke, to help you get out of those chains, man.

People are changing their lives, Jade.

Cutting up credit cards, ditching the credit score.

So if you haven't gotten a copy, be sure to get your copy.

I'm going to send you a copy because I cover how to rent a car without a credit score. Why you should ditch the credit card and even the CDs and why I'm not a big fan of the certificates of deposit

Now riding a book is one of the hardest things I think I've ever had to do especially when it lives in the world of total money makeover and what's been really encouraging though is people going like this is Dave Ramsey said this is financial peace for the next generation reviews are saying this is like total money makeover for written for 2024 with me in mind all of the objections all of the struggles I've been dealing with the last few years with inflation and the housing market and what do we do now and credit scores and credit cards there's so many more traps than there was even 10 years ago and so I covered all in this book to help you have this paradigm shift and go I don't need to play this game building wealth and living a life I want to live is so much simpler than I thought I just got a ditch this money matrix that's been created for me so money matrix the reviews have been awesome and I look your book hit the best seller list Jade congratulations.

This is the book people wish they read when they were 21, CJ.

I'm going to send you a copy of my brand new book called Breaking Free from Broke.

There's a great chapter on investing traps in there. There's a chapter called Wealth as Patience.

I'm giving it to you but George did all the work.

And once you see it, you can't unsee it. And I hope it helps Adam break free from broke because he's a wise young man making good money

It's been very humbling and overwhelming in the best ways.

Well, it's kind of like another type of baby and you're a new dad.

So yeah, it is very...

Both keep you up at night.

I'm going to send you a copy of the book and I want you to read that and then send me a DM when you cut it up with a picture.

It isn't technically yet, but it will be breaking free from broke the ultimate guide to more money and less stress and by attacking all of the evil villains out there in the money space.

That's the goal and the feedback has been amazing on it's it exactly that people are saying you've dismantled not only the myths but all of the objections that I've had toward a debt free lifestyle in the things that you've heard over 30 years Dave and I've heard him on the show as we take calls.

And so what I try to do with the book was get in their heads before they could even say it and say I know what you're thinking right now I pay off my card every month I've never paid a diamond interest we've heard all of these things over 30 years.

And so I tell people it's easy to be cynical you can wake up every day and decide to be cynical what's harder is deciding to be hopeful and choosing hope and then creating the habits that gets you out of that Meyer that you've created.

breaking free from broke the ultimate guide to more money and less stress and not because money keeps you from having stress but because having a plan and a belief system that leads you towards winning that will lower your anxiety level immediately even if your situation hasn't changed a clear path that you know works that you can follow and I'm now on that path I'm going to put my right foot in front of my left foot in front of my right foot in front of my left foot and I'm going to take a couple steps in this direction all of the sudden your anxiety goes down even though your situation hasn't changed yet

It is book launch week for George's new book Breaking Free from Broke is on the shelves it came out officially yesterday, the ultimate guide to more money and less stress.

And George goes through with great research showing the villains that are out there and the people that are trying to keep you down.

One lady, this was a great message I got yesterday. I've been reading the ebook. We've been paying off the credit card in full monthly for years. Your chapter on how predatory the credit card companies are has changed that. We've switched to debit cards only.

Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke!

breaking free from broke the ultimate guide to more money and less stress

It's just so beautiful self-deprecating honest data driven and pop culture filled

Can we write a money book that's easy to understand conversational, funny relevant and data driven and I think we accomplished all of that it is it does have all that

Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke!

the book Breaking Free from Broke, The Ultimate Guide to More Money and Less Stress, absolutely incredible new book, comes out tomorrow.

the enhanced audiobook you get completely for free with all the sound design and custom music and the team did an amazing job. It's a very cool audiobook, very cool.

The first two-thirds of the book unpacks the system designed to keep you broke.

It was exhausting to do all the research, but I had to prove it. Not just my opinion and our experience of, you know, you doing the show for 30 years, but actual data from, you know, the Federal Reserve and from MIT proving our plan works.

Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke!

This book is incredible. It exposes the most common money myths and excuses head on. It deals with all the traps and the myths and the garbage out there. Really good research in here. George has done a great job with that.

Breaking Free From Broke by George Campbell.

Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke!

George Campbell Ramsey personality soon to be a number one best selling author of the book, Breaking Free From Broke is my co-host today,

It's been an interesting question because I believe it's very different the first two-thirds of this book are really unpacking probably the most in-depth we've ever done on the toxic money culture

All of the different types of debt with research from you know these last few years I mean if you want some in-depth stuff on any of the financial things moving around out there this book's got it in there and total money makeover is none of that

Total may makeover is the baby steps. How to do it? How do the baby steps? Yeah, this book has a just I cover the baby steps and I go cats out of the bag

Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke!

next week is the launch on Georgia's new book.

came for the snark, stayed for the smarts. Quite possibly the funniest and easiest financial book to read. Once you start, you won't be able to put it down. I wasn't able to. You'll laugh out loud the whole time while learning. This book is a must-read for everyone, especially young adults. The amount of data-backed knowledge this book provides, while being such a joy to read, is staggering.

breaking free from broke, the ultimate guide to more money and less stress

Have a whole chapter on investing traps and I took a lot of time on the permanent life insurance section because too many young people are falling for this.

So the deal is that

I want to actually gonna carry this over in the next segment because I just looked up and saw how much time I spent yacking about nothing.

But the Sorry about that guys. I was more of my new years resolutions not do that stop yacking It's not no, I can't stop yacking

So the book comes out next week if you order the $20 book today You get about a hundred dollars worth of goodies with it Including a couple months of every dollar. Oh, that comes with it anyway That's right whether you buy before or after three months of every dollar premium the audio book Which is gonna be enhanced with some cool production That audio book it's gonna be the best audio book we've ever done.

George's first book, this book is so good and I'm proud of my friend. I've watched George live this out. I've watched him live it out his whole journey to Ramsey Persona on the what he does. Paying off his house. I've been there watching the whole thing. I love this dude because he's the real deal. And this book is going to help so many people just get away from the game, the Matrix.

Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke!

and my new book breaking free from broke is now on pre sale and the support has been overwhelming so thank you to all of you who have pre ordered that book and have a major shopping list a little easier with the Ramsey solutions dot com slash store getting meaningful gifts

But we're talking about how, you know, you go through high school and college and then you're out on your own out of your parents telling you what to do. And then you all have said and looking to system, let's tell you what to do. The financial system where you're looking to the government, whatever. I'm telling you what and it's... And I'm telling you, it's like when you break free from all of those quote unquote systems you have the ability to have a say over your life in so many ways in your career and in your money.

You know something I know the value of Jade what our friend George Campbell's new book Georgie boy, he's got a book right now you guys on presale called breaking free from broke.

He also has a brand new book coming out in January. The book is called Breaking Free from Broke.

So you want to get that. It's going to help you so much and you get it free Q&A with George. You get access to the audiobook and the ebook.

George's new book Breaking Free from Broke pre order today.

that's such a cute cover.

breaking free from broke the ultimate guide to more money and less stress is also at daviramsy dot com or also ramsey solutions dot com slash store and you can pre order that book it is coming out in January and George does a fantastic job being George and funny and great stories and all the things uh really walking through this approach of building wealth and getting out of the system because there's such a system financially that people get stuck in and it's like a fair supposed to so over and over and over and over and over and so getting out of that and actually winning with your money breaking free from broke by George camel make sure to pre order that at ramsey solutions dot com

Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke!

Well this is a real treat, John. It's been a fun week pre-launching my new book, Breaking Free From Broke. I'm first time author.

And I did it and 10 million did too. There's the social proof.

This is me unpacking the financial industrial complex that is keeping people broke.

And I hit every excuse and justification with a lot of empathy and I want to talk at people, with people, not at people.

So if you want to check it out, you can go to ramsysolutions.com slash store and preorder today for just 20 bucks and we're going to bribe you with $100 in free bonus items including access to my newest talk, Show Me The Money, exclusive access to an online private event and Q&A with me in January as well as an enhanced audiobook, John. We're doing a real fun produced version of the audiobook and ebook.

Get George's new book, Breaking Free From Broke,

It's called breaking free from broke and it's got a great picture of George here pushing out against the toxic money culture

I laughed out loud reading the manuscript. I was very impressed with the level of research that you and the team have done to put into the book

Breaking free from broke the ultimate guide to more money and less stress

It's only 20 bucks.

George Camel Show on the Ramsey Network YouTube show. You want to be sure and check that out. He's my co-host today.

George Camel, Ramsey Personality, number one best-selling author of the book Breaking Free from Broke, and host of The George Camel Show on the Ramsey Network.

Stacey, I'm going to send you a copy of my book, Breaking Free from Broke. It comes with three months of every dollar premium so you can connect it to your bank.

If you're desperate right now financially, get my boy George's book, Breaking Free from Broke.

It'll help guard you from this stuff.

You cover this stuff all the time. You wrote about it in your book people fall into these traps because it seems to make sense.

George Campbell, Ramsey personality, number one best-selling author of the book Breaking Free From Broke, and co-host of the Smart Money Happy Hour, Ramsey Network production.

George Camel, Ramsey personalities, my co-host today. You'll see him on YouTube.

My next book is coming out and actually has a whole section on alternatives and sports memorabilia.

Breaking new book reveals Donald Trump brutally mocked Rudy Giuliani as "fucking disgusting." On a plane because the odor after Giuliani used the bathroom was so disgusting that Trump decided to loudly complain, RT if you're glad you weren't there to experience it.

Well it was a tough task to write a money book when you have the Total Money Makeover the best selling personal finance book of all time and you're like I'm going to write something different and better I have big shoes to fill because the feet are still in those shoes it's still sold in the same book store So my goal was not to rewrite the Total Money Makeover the goal was to write a book that feels like I'm speaking to everyone in current times of like this is what the current state of personal finance is saying they can't get ahead and here's what I know to be true and so it was a lot of you know I start with my story of how I started broke I didn't come from money my parents were immigrants I was $40,000 in debt and over a decade of just hard work and following a proven plan my wife and I are now net worth millionaires and it's not to brag it's to say if an average George can do it you can too but here's what it takes so my goal was to cut through all of that and tell people the truth about the financial system designed to keep them broke so the truth about credit scores and credit cards and student loans and auto loans and mortgage traps and investing traps and marketing and consumerism so that they can break free from this matrix that they find themselves in and some for a lot of people become self-aware for the first time that they're even in this matrix that's like this is a simulation bro and I walk it very carefully because I know what I'm saying sounds insane to someone who's been in it their whole life like I was but to deprogram that to break free from that and achieve all of your financial goals and become the person you want to be and to give the way you want to give that's what the book's all about it's not really about the money we have to talk about money so we can stop talking about money

So I'm going to put in air quotes because I've actually been bullied in my previous life when I was a kid what John does is a defense mechanism that I see through instantly you see me as a threat my masculinity is a threat to your masculinity well you have a perfectly groomed beard and I just can't grow facial hair so instantly I'm into it I'm waiting for you to just come out with this you have biohacked your eyes I don't have those you have perfect vision I have blurry vision it's fine the truth is I think I'm your friend I'm your friend I think you're my friend we text each other outside of work you send me articles that you find interesting I pushed your Tesla down the highway when it ran out of battery that's a true friend that's what friends do so on the show we're not good at showing it truthfully I like it we're not good at showing each other affection live on air we're not good at showing each other affection live on air but they don't get to see us at the blink 182 show singing our hearts out rocking out together so I think that squelches it oh we're going to edit that part out we're not going to let this part go live hey Breaking Free from Broke George Campbell's new book thanks for writing this thanks for the support man you get mentioned at least three times and I apologize I do call you a mediocre guitar player in the book I think mediocre is but it's compared to Slash and I think you are very helpful and there's so much that aligns when it comes to what you're doing and what I'm doing in the money space we both want people to solve for freedom and I know this book is going to help you do that with finances so thanks for helping me spread the word you're awesome bro thanks for coming you're a great friend and I agree to disagree

Oh, it's still good though. It's still good. You'll like it.

I just bought what a sequel to Less.

I've been debating reading it, but I love the first book so much that I am like afraid to read the sequel.

Matt tell everyone what you thought of last Pulitzer Prize winning novel Have you guys read less What did you think of last I thought it was good I thought the ending was kind of whack I thought the ending was like well Spoiler alert

It's about this gay author who is turning 50 and he's having this like a bit of a midlife crisis around like aging as like a gay man.

And then his ex-lover is getting married. He starts freaking out so then he goes on this book tour around the world in order to escape that and like think about what it means to like go into middle age and then it's like a really beautiful meditation on that.

It's really funny. It's so funny too.

I love that it's a book about what it's like to feel sorry for yourself while also recognizing that it's shitty to feel sorry for yourself when you have a lot of privilege.

And the ending is so nice.