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Best Way to Pay Off Debt Fast (That Actually Works)

George Kamel 452 views

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also find what you spend money on and try to save on those items, for example, instead of buying body wash you can buy 6 pack of bar soap, it costs the same and lasts 6 times longer
Comment from : @GenoNow

George! I'm gonna call you McLovin' from now on
Comment from : @tiffanyhamilton1340

I’m in “buy now pay later” debt…🤦🏼‍♀️ I feel like there’s no longer credit card debt in this generation and it’s this whole buy now pay later BS that traps me …brit’s amazing to have something upfront, but good God they don’t tell you about the interest😑 and maybe they do, but they definitely keep it in a very fine print And by the time you find out how much the interest is it’s way too late I’m having serious buyers remorse on some Metallica tickets that I bought for my fiancés birthday It’s his favorite band of all time, and how awesome to be able to fulfill his dream of seeing them by being able to get him tickets that I don’t even have to pay for upfront! And it was so easy, get your tickets now and pay for them in monthly installments! It seemed like a birthday dream come true…brBut these are tickets that are two rows away from the stage, and also have an added on enhanced experience… 1000 something dollars apiecebrOK, I’m assuming he’s worth it at this point, until I go into the app and I see how much they actually will be after I pay them off 😬😬 almost $4000!!!!!!🤦🏼‍♀️🤦🏼‍♀️🤦🏼‍♀️ yeah it’s all fun and bands until you see how much interest they’re tacking onto those payments😣😣 brTalk about your temporary gratification …brI’ve done the whole buy now pay later thing a few times, but this is my first ever huge purchase using it brLesson learned … brFor small realistic purchases, the instant gratification is pretty amazing But I do not recommend anybody using these buy now Pay later options on anything over $500😣 I literally feel like I’m back to making car payments again on this crap, because in order to pay it off, you literally have to go broke in order for that interest to not take over! Smh
Comment from : @AnonOMoss-bu4tt

Too much extra activitiesyoure not funny
Comment from : @jcampbell07

Love your video your funny
Comment from : @janierosbough5086

I started watching Caleb hammer to kick my butt into gear with changing my behavior and budgeting now I’m working on paying down my debt and between this channel and financial audit I’ve created a 12 month plan to get all my debt paid off and I’m ahead at this point and halfway done!
Comment from : @S_nkitty

I don’t understand is it that we stop paying the largest debt until we have cleared off the smaller ones? brbrI am in the journey of paying off £15,000 brbrThank you for the videos
Comment from : @beyond2018

Thank you so much
Comment from : @DianaDaniels-r2r

Now how does thos work if youbare now dealing with the IRS?
Comment from : @michaelgonsalves1116

i was bad in debt and i managed to flip cars and make like 20 k in profit but its so hard to pay part of my 40 k debt with that lol finally touched a little cash and now i need to give it away because of my stupid choices
Comment from : @JesusPerez-k2z

so we have 10k saved but i have medical stuff i pay for every month around 150 month also have car payment of 18 k at 10percent how do we pay this debt down my husband works im not able to makes 3300 month our rent 1097
Comment from : @BrendaSmith-l4i

so what if you have 2 cards and they have the same limit but one haveba lower interest rate whatvwould would you pay off
Comment from : @OuijaWitch420

I need help
Comment from : @yahmedLT

you HAVE to take the same amount you were paying on the one you paid off and ADD it to the next one lots of people dont understand this
Comment from : @bobosparacord5222

It was very informative
Comment from : @MelissaMedina-b6e

Good plan but stupid presentationthumbs down
Comment from : @glengullickson6538

Christians aren't the only ones who give worthwhile charities It's cause and effect 💚
Comment from : @magentasunshine7811

Why not tackle your largest debt first! Which means you’ll have larger amounts to pay on your next debt?
Comment from : @22jaydogg

You make being in debt funwaitthats not what I meantyou know what I mean
Comment from : @kristenrice4113

2000€ in debt 😢 and I’m happy I’m not the only one
Comment from : @kishathompson934

What should I do if I took a balance transfer and it comes due and I don’t have the funds to pay it off?
Comment from : @debramullen-cr9nd

Thabk you for this! I love what you said abou giving even when you're in debt That's really beautiful
Comment from : @ConnorM97

Oddly enough for my student loans the snowball and avalanche target the same loans My lowest loan also has the highest interest
Comment from : @HunterG-f2i

You know what would make me happy? If content creators got to the point
Comment from : @augustblade6167

How can i get in touch with you
Comment from : @charanjit7427

Thank you 😊
Comment from : @liliamusongo8090

Thank you for recommending Olivia Sullivan financials on one of your videos I reached out to her and investing with her has been amazing
Comment from : @Mary-z7r4f

Bruh! I already fucked up I got another loan to pay a debt 🤡 so when the first thing he said was not to do that I’m like “oh I saw this video to late” 😭
Comment from : @skywonder3173

seriously
Comment from : @boomerjohnston494

unbearable watch
Comment from : @boomerjohnston494

I am truly inspired by this method I will try this I liked the way you encouraged Tithing, one must do itI haven't heard anyone talk about Tithing in these kinds of Videos I liked it very much
Comment from : @HrudayKumar-nb3qf

May work for stagnant debt, but for cumulative debt like tax debt that continues to pile on with new tax debt every year it’s impossible I have searched for a video that may help with this issue but I cannot find a caller with this sort of debt If you own an apartment in Australia you also have levies that are about 2k a quarter indefinitely and increase every couple of years If you fall back on these you can lose your place The interest on this is ridiculous if you don’t pay on time however each quarter you get a fresh 2k added to your debt When you’re already living on the bare minimum expenses to keep a roof over your head and food / utilities, it’s a never ending debt cycle that you cannot escape I would like to see you or Dave or anyone talk about cumulative debt and not just personal loan and credit card debt
Comment from : @YY-jv4uu

it ONLY took 7 years for the lady to pay off 500K in debt It would take 11 years for me to make 500k let alone 500k to throw at debt thankfully im not in that deep of a hole but maybe I need a new career lol
Comment from : @darknevangelist

Awesome Advice
Comment from : @catherinebrown7299

Wow I had no clue I when I paid my debt off I was doing the snow ball method 😂 it just made me feel better paying off the smaller debt first and it was more affordable for me that way 😂 I’m learning alot finance 😅
Comment from : @ariesphoenix

Do people still do automatic savings while paying off debt? I’m into the momentum now of PYF and really do NOT want to break the cycle, but I know I could really use that $ to fast forward debt payment
Comment from : @juliejohnson6753

I’m 2,000 in debt 😅 I will start this snowball method
Comment from : @amanda_jc2627

I populated all my debts and income on the debt snowball calculator and it doesn't give me an results Just tab's back to the top
Comment from : @billycrocker3362

Why is it Dave’s way or the highway?
Comment from : @Farehaven

Debt consolidation worksIF you are gonna be more aggressive with your debt that way and save on interest as well I did it to save 10 on interest and to pay all more aggressive but you have to be aggressive
Comment from : @deportivocali94

I did 'snowball' instinctively (Didn't know Dave Ramsey method) It worked for me 👍🏿
Comment from : @kasession

My biggest problem is both of my major debts are around the same balance 55k and another credit card at 7k that has 800$ in bills that come out every month and I also have a affirm that’s at 2k I make 50k a year and I struggle with paying that 7 k balance
Comment from : @jeremybeaverson7167

May be in 3 years 😢
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Comment from : @InglebertAnhMinh

My son has a friend who works in McDonalds and apparently, the machines aren't broken, they just haven't cleaned it and that's the excuse they're told to tell the customers because they don't want them to think about dirty machinery So now you know!
Comment from : @AmeliaBB

The biggest point is to NOT ACCRUE NEW DEBT during this process! Don't defeat your own purpose!
Comment from : @christinajones3022

Started my debt snowball today! I know it’s Christmas but with all the presents done weeks ago I have started doing a zero based budget
Comment from : @AndrewBryantBSE

Good content and advice, but there’s just too many annoying and unnecessary cutaways for me to finish this video
Comment from : @allizan

Send btc to help erase my debtsbr1K19hyeTkfTcHgzkQJ3raKivvJMpK9eQ6P
Comment from : @danielonotu636

It's annoying how the video is edited like it's made for 10 year olds with adhd
Comment from : @InbredSpanishKing

Did this jackass just tell me to build wealth by taking 10 off the top for the church? Im a Christian and this is HORRIBLE advice You do NOT have to give to have proper faith
Comment from : @BorderLineEDM

You're too old get a McDonald's and don't have near enough capital A guy I work for looked into it lolbrEdit: he's a multi millionaire lol
Comment from : @nitoundead3772

Have a Kraft dinner party!!!😂
Comment from : @Handsoflight7766

This hit hard but needed it !
Comment from : @thejohannaproject

I only have two “major” debts other than my house but the total is about a years pay which sucks
Comment from : @pinkfurryhat

Hello I live in Sweden and I am 21 years old I finish nursing school this summer and will be earning about 252000 swedish crowns and have about 250 000 swedish crowns in debt with a close to 1 interest I do have 125 000 crowns in savings for my retierment and future and a emergency fund that covers 3 months Should I put all my money in the debt? Or should i save in order not to take a big loan for downpayment later?
Comment from : @leonbergland5244

This is quite educational It's crucial for newcomers to keep in mind that the financial markets are highly irrational in the short run You should constantly be ready for the unexpected That is how chance operates Because of the inherent risks in the market, I always favor long-term investments
Comment from : @hermanramos7092

Amen brother
Comment from : @WastelandChrome

I really like that you say us Christians should pay our tithes first Thank you and stay blessed!
Comment from : @danielleb7107

Saved this video to favorites! Love it
Comment from : @tootiefruitie71

My problem is my partner continuous spending My efforts, planning and tightening are wasted efforts
Comment from : @tootiefruitie71

The amount of comic videos between your content is too much to focus on the topic reduce them and you shall gain many more subscribers I guarantee
Comment from : @dhol_tasha_beats

Im definitely gonna try the snowball method
Comment from : @alfredmatthews1746

I have a question, i have a debt of 30k in my credit card and i am paying all minimum payments but now i want to clear my debt I am using one of my credit card for the groceries or any other expenses everymonth Is that a good move if not please guide me what is the best way bror when i follow snowball method is it good to use the same smallest debt credit card for the monthly expenses even though cleariing it ???brplease respond
Comment from : @saikumar-de6il

If it’s best to liquidate cash or savings to pay down debt-when is it best to incorporate a sinking fund for a vacation-only when there is a mortgage debt left??
Comment from : @flipinitalian2740

what if my min payments are too much?
Comment from : @AsstCoachWise22

🤣 Haha, when religion robs you of your morals and money ☠️
Comment from : @VxV466

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification I'm hoping to invest about $350k of my savings in stocks against next year Hope to make millions in 2024
Comment from : @RubyOliverm5l

Listen just get into debt keep borrowing money to buy houses, 10 homes can bring in 20k a month
Comment from : @marsnel8704

8:58 YES! tithing is the KEY 🔑 to break out of poverty! I am a living proof of that
Comment from : @KevinGDividend

Bro’s own format is super annoying lol Keep it straight forward like Ramsey’s channel
Comment from : @TheGirlSkateBoardCo

Saya pinjam
Comment from : @NinaNina-qx2ih

😂😂😂❤❤❤
Comment from : @Pig425

Avalanche method is superior Snowball method is for people that made bad grades in high school
Comment from : @JKweez

Imma tithe my 10 to my investment fund 😭😭 Thank you very much My life is a charity case at this point
Comment from : @tendays456

Ok, that move at 3:00 was clean!! Great info, by the way!! Went to the Financial Peace University last year and I'm still using that info Got something to look forward to
Comment from : @USAFVET1998

youre so fucking annoying dude ive never seen a worse video on youtube
Comment from : @kiteofdark

Every now and again I click on a Ramsey team video out of curiosity And I'm reminded how much these people hate math and love inefficiencybrbrDon't listen to absolutes - try thisbrHave a debt that's over 25 interest? Avalanche until you don't brShift to snowball after the most damaging debts are paid down so you don't throw away thousands of dollars on predatory nonsense you could have avoided if you didn't listen to GeorgebrbrEveryone's circumstance is different Do your own research and pick the path that is best for you
Comment from : @seantaylor6691

I’m $18k in credit card & loan debt Majority of it was from gambling debt, I’m in a six figure salary, yet, I can’t seem to get out of debt I have an addiction that is getting me into a deep hole, but we will get out of this!
Comment from : @SpinOrLose

Thank you for the advice, but you speak fast, so it's hard to keep up
Comment from : @SMRBI

Great video as usual! Only thing I'll add is that consolidation CAN be a good idea if you're getting a better interest rate If it'll take you 3 years to pay something off at 27 but just 2 years at 14, take the 14 option
Comment from : @iancapozzoli5895