NetSuite: Download the Demystifying AI Guide for FREE at https://netsuite.com/iced HIMS: Get personalized and affordable care for Hair Loss, ED, Weight Loss, and more at https://Hims.com/ICED Airbnb: Find a co-host at https://airbnb.com/host Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich Our NEW Credit Idea: http://www.extradollar.com/ Follow @GeorgeKamel and @TheRamseyShowEpisodes here! *𝗖𝗢𝗡𝗡𝗘𝗖𝗧 𝗪𝗜𝗧𝗛 𝗨𝗦* 𝗜𝗚: https://www.instagram.com/icedcoffeehour 𝗝𝗔𝗖𝗞: https://www.instagram.com/jlsselby 𝗚𝗥𝗔𝗛𝗔𝗠: https://www.instagram.com/gpstephan 𝗖𝗹𝗶𝗽𝘀 𝗖𝗵𝗮𝗻𝗻𝗲𝗹: https://www.youtube.com/c/TheIcedCoffeeHourClips 𝗫.𝗰𝗼𝗺: https://x.com/TheICHpodcast 𝗧𝗶𝗸𝗧𝗼𝗸: https://www.tiktok.com/@theicedcoffeehour 𝗦𝗽𝗼𝘁𝗶𝗳𝘆: https://open.spotify.com/show/5c2uoXBQkOjIiCOf60jJj7 𝗔𝗽𝗽𝗹𝗲: https://podcasts.apple.com/us/podcast/the-iced-coffee-hour/id1515070058 For sponsorships or business inquiries reach out to: icedcoffeehourpartnerships@gmail.com Apply for The Index Membership: https://entertheindex.com/ For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00 - Intro 1:58 - Credit Cards After Being Debt-Free? 3:01 - When Is It OK to Borrow Money? 4:40 - Would You Borrow $1B at 0% Interest? 5:46 - How Many Millionaires Has Ramsey Made? 6:36 - Biggest Money Misunderstanding 7:43 - People Don't Consider Student Loans Debt 8:58 - What People Waste Money On 12:48 - Personal vs Corporate Responsibility 13:47 - Is the System Rigged? 16:54 - Sponsor - NetSuite 18:21 - $180K in Debt Spending $1K/Day at Disney 24:51 - Should You Ever File Bankruptcy? 26:15 - Debt Consolidation 27:27 - Inflation's Impact on Finances 29:01 - Income Problem vs Behavior Problem 30:55 - Sponsor - HIMS 32:19 - Are People Passionate About Their Work? 33:38 - Supporting a Family of 4 on One Income 39:03 - How Much to Retire in Your 40s? 40:25 - Why Ambitious People Can't Retire Early 45:29 - Five Pillars of a Great Life 46:32 - Savings & Investment Strategy 51:08 - How Much to Retire at 50 53:12 - Advice for 18-Year-Olds 56:23 - Be a Millionaire by 25 1:04:24 - Sponsor - Airbnb 1:05:38 - Sponsor - Shopify 1:07:09 - George's Investment Portfolio 1:15:05 - Fashion & What He "Wastes" Money On 1:19:59 - Ken Coleman Leaving Ramsey 1:23:47 - Would Ramsey Hire Caleb Hammer? 1:29:34 - Paying Off Mortgage vs Investing *Some of the links and other products that appear on this video are from companies which Graham Stephan & Jack Selby will earn an affiliate commission or referral bonus. Graham Stephan & Jack Selby are part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.