Budgeting For Beginners | The Only Budgeting Method You Need To Worry About!
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The Only Budgeting Method You Need To Worry About!
Today we’re talking about a gross 6 letter word that most people hate using. Nope, not moist. That’s 5 letters. I’m talking about a B-U-D-G-E-T. A budget.
Link:
How To Budget An Irregular Income: https://www.ramseysolutions.com/budgeting/how-to-budget-an-irregular-income?utm_source=YouTube&utm_medium=GKYouTube&utm_campaign=GeorgeKamel&utm_id=ramseysolutions
How to Determine Budget Percentages: https://www.ramseysolutions.com/budgeting/budget-percentages?utm_source=YouTube&utm_medium=GKYouTube&utm_campaign=GeorgeKamel&utm_id=ramseysolutions
George Kamel is a personal finance expert and co-host of The Ramsey Show. Following Ramsey’s proven money plan, George went from negative net worth to a millionaire in under 10 years. His goal is to help people spend less, save more, and avoid money traps so they can live a life with more margin, options and freedom.
This channel will simplify complex money topics, bust money myths with actual facts, and debunk the stupid financial advice you're seeing in your social media feed. All with a healthy dose of pop culture, humor, and snark. -
Products:
EveryDollar Premium Version Physical Gift Card: https://store.ramseysolutions.com/money/tools-and-apps/everydollar-premium-version-physical-gift-card/?utm_medium=product_shelf&utm_source=youtube
Breaking Free From Broke: https://store.ramseysolutions.com/money/books/breaking-free-from-broke-by-george-kamel/?utm_medium=product_shelf&utm_source=youtube
2025 Ramsey Goal Planner: https://store.ramseysolutions.com/personal-growth/books/ramsey-goal-planner/?utm_medium=product_shelf&utm_source=youtube
The Total Money Makeover – Updated and Expanded Edition: https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/?utm_medium=product_shelf&utm_source=youtube
Baby Steps Millionaires: https://store.ramseysolutions.com/money/books/baby-steps-millionaires/?utm_medium=product_shelf&utm_source=youtube
Building a Non-Anxious Life: https://store.ramseysolutions.com/personal-growth/books/building-a-non-anxious-life-by-dr-john-delony/?utm_medium=product_shelf&utm_source=youtube
Get Clear Career Assessment: Find the Work You’re Wired to Do: https://store.ramseysolutions.com/business-and-career/books/get-clear-career-assessment-by-ken-coleman/?utm_medium=product_shelf&utm_source=youtube
Questions for Humans: Couples: https://store.ramseysolutions.com/personal-growth/conversation-cards/questions-for-humans-couples/?utm_medium=product_shelf&utm_source=youtube
Financial Peace Kids: https://store.ramseysolutions.com/youth/children/financial-peace-kids/?utm_medium=product_shelf&utm_source=youtube
From Paycheck to Purpose: https://store.ramseysolutions.com/business-and-career/books/from-paycheck-to-purpose-by-ken-coleman/?utm_medium=product_shelf&utm_source=youtube
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31.5% income taxes on 70,000? That math ain't mathin. Even if you're at 18% state and 10% federal (which are both high end), that's not mathing. What am I missing?
why can i not get the app in canada?
I was staring at a negative bank balance wondering how I let groceries put me in overdraft. I thought budgeting meant misery, but finding a practical framework changed everything. Massive thanks to Simon L. Heater for breaking it down without the fluff and teaching me how to actually keep what I earn. Life-changing shift.
Honestly, watching this video hit home. Coming from a background where we literally counted pennies just to buy groceries, I never thought financial freedom was an option. A few years ago, I diversified into a mix of blue-chip stocks, Bitcoin, bonds, and selected altcoins, and it completely changed my family's trajectory. Balancing a regular 9-to-5 while letting compound interest and strategic crypto swings work in the background is the real cheat code for building generational wealth that lasts well into retirement. Anyone can do this if they stop letting fear run the show. Would love to hear your thoughts on how you're balancing your portfolio right now?
Zero-based budgeting finally clicked for me with this video. Giving every dollar a job before the month starts takes so much stress out of spending. The part about planning for irregular expenses like car maintenance was the piece I was missing.
I've been leaving in Canada for 15 years and I have never seen this Canadian bacon from your video.
3:18- I used to make fun of invisible numbers in high school 😂
Literally never heard anybody else specifically call out invisible numbers 😂 thanks for the laugh, George!
As someone living paycheck to paycheck, pinching PENNIES these numbers feel completely unrealistic. If you're at the very bottom, it feels hopeless. But I'll take the skills with me
Just unfortunate that the app is unavailable in Brazil
Life sucks
Very practical advice
Make the app available for Mauritius please
I came for the Nestle Crunch + WWF chair smack down and stayed for the budget advice.
the church is making bank
Very helpful❤
$80 for car insurance if wild .. I think mine is like 250
8000 student loan was cute too .. this person went to school one semester
giving £400 to church and nothing to charity...
simple money habits look boring, but they’re usually the ones that quietly change everything 💸🔥
the best financial advice usually isn’t complicated — it’s just painfully consistent 💸🔥👏
Im great at zero based budget. My budget is always zero
You lost me at giving 400 dlls to church lol😂
Noones trying to tread on you? I feel like that was an insult that I'll just take and put in my whatever basket.
Tell me a 20YR old edits the videos without saying it outloud
The one thing I got from this video is that I need to start a church group. Religion LOVE
You’re doing too much
Every dollar might be one of the worst apps to use, I do not miss it
Tithe is 10% of the GROSS
I honestly do not know how financial advice can include giving 400 dollars a month to a church. This seems predatory.
70,000 AVERAGE!!! I wish!
I really liked the interview you did with Sir Arthur C. Brooks, and I've been watching other videos of yours because of it, but these seem less honest — more filler, lots and lots of ads, with less actual content. It's a bit disappointing, tbh 😮💨
I’m shocked at how good this video is!
I understood this so fast I need a moment to process my new identity.
You’ve completely changed how I see this topic!
Hi George. Does this app allow for multiple users on one account? My wife and I want a budgeting tool that we can both use independently on our different devices.
I felt like a detective solving a case. Victory.
I came for the advice...stayed for the comedy 😂
I finally understand this, and I’m bragging about it to peop
You are talking too fast. I can't keep up.
The App isn’t available in Canada