24 Minutes of People Going Broke in Real Time

Summary

Podcast Summary

Podcast: George Kamel (Ramsey Network)
Episode: "24 Minutes of People Going Broke in Real Time"
Date: March 13, 2026
Host: George Kamel
Theme:
George reacts to viral videos and online confessions of people making disastrous—sometimes absurd—financial decisions. He offers candid commentary that’s part snark, part cautionary tale, explaining the real-life consequences of credit card abuse, gambling, buy now-pay later traps, and viral “hacks” that are financially ruinous.

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1. Introduction: The Folly of “Financial Bravery”

• [00:05] George kicks off with a humorous presidential misquote and sarcasm:

  "Fool me once, shame on you. Fool me, can't get fooled again. ... Now watch this drive."

• Establishes the episode’s premise: reacting to videos where people admit their worst money mistakes, often celebrating irresponsibility online.
• Emphasizes learning from others’ blunders rather than repeating them.

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2. Segment Breakdown & Key Moments

A. "I Was Financially Irresponsible This Year" (Buy Now, Pay Later Addiction)

• [01:01] Video: Young woman proudly confesses to blowing her money on trips and concerts, all through “buy now, pay later”—with no plan to pay it back.

  "Money that I don't even know how I got, how I had, how I came up with. I had to. But in doing so, I was living."

• [02:10] George reacts:
  • Skewers the performative “no shame” culture and the public confessional style.
  • Cautions listeners:

    “Create a life you don’t have to escape from. ... She’s projecting, girl.”

B. Gambling My Paycheck

• [03:37] Video: Man gambles his entire $506 paycheck on a single online blackjack hand — and loses.
• [04:11] George’s take:
  • Highlights gambling addiction as an expensive, risky “hobby.”
  • Breaks down how quick, frictionless losing is “unhinged behavior.”

    “I’m not a fan of losing money … Hard pass.”

C. America’s Next Top Model Winner: $100K Gone

• [05:12] Video: Winner spends $100k prize erroneously thinking it’s post-tax, then is shocked by IRS bill, spends years digging out.

  “What I should have done was put aside 35 to 40% of the money for taxes so I’d be ready to pay that. But I didn’t do that. I spent it all.”

• [06:52] George:
  • Praises honesty and the educational value of her confession.

    “She made a dumb mistake at 19 and is letting other people know so they don’t make the same mistake.”

  • Offers game show wisdom: You’re taxed twice; the IRS doesn’t care about your sob story.

D. Worst Financial Decisions: Social Media Engagement Farming

• [07:40] Video: 29-year-old shares about buying a $33k car at 7% interest. Others comment about expensive pets, debt, and charging a whole Disney trip at 24% APR.
• [08:54] George:
  • Lampoons the engagement-bait nature of “share your mistake” calls.
  • Highlights a cautionary tale:

    “People go, well, just put it on the card ... four years later and you paid 24% interest. That trip just got even more expensive. Don’t do it, kids.”

E. DoorDash Financing Addiction

• [12:28] Video: Young man confesses to financing $1200 of delivered food on DoorDash, jokes about erasing his debt by deleting the account.

  “Technically means it’s free at that point.”

• [13:05] George rips into:
  • The false, frictionless sense of “free” with deferred payments.
  • The trust fund tell: "Red knobs on an oven, this guy’s got money."
  • The broader danger of easy, app-based spending:

    “We've added too little friction to our lives. ... Paying off $5,000 for the average person—You gotta feel it.”

F. Real Estate “House Hacking” Hack

• [14:52] Video: Man brags about using a HELOC from his first home to buy a second with minimal down, while renting the first.
• [15:42] George debunks:
  • The risk and myth of low-down-payment investment real estate.

    "It’s riddled with risk all over the place ... Assuming you always have a quality tenant … just BS all around. Sorry homeschoolers, BC: bull crap."

G. Amex Year-End Spend Wrap – Not-So-Wealthy Edition

• [16:37] Video: 24-year-old shares top Amex purchases for each month—lavish dinners, luxury gifts, frequent flights.

  "As a not wealthy 24-year-old ... $1,112 on Sephora ... $2,879 boyfriend's birthday dinner at Moo ... $2,346 not too bad …"

• [18:22] George questions:
  • The normalization—and performance—of overspending for clout.
  • Wonders who’s footing the bill, doubts self-sustainability:

    “He must come from money too … All for the points. ... Is she even employed? I need answers.”

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3. Notable Quotes & Humorous Commentary

• [02:10] George:

  "Gen Z is cooked. First of all, the hand gestures—they were doing too much."

• [04:11] George, on gambling:

  “Losing 500 bucks in one second on an app—hard pass.”

• [06:52] George, on game show taxes:

  “I'm glad she's not gatekeeping, and I'm glad she's doing well … You win prize money, you are taxed. Plus, there's extra prize tax.”

• [08:54] George, on the hidden costs of credit:

  “That expensive trip just got even more expensive. And that money was locked up trying to pay down this debt. Don’t do it, kids.”

• [13:05] George, on DoorDash:

  “Everything is frictionless. ... When you go to the grocery store, use your own money with a debit card or cash ... you're gonna eat that meal and you're gonna like it. Unlike this DoorDash meal, which has been sitting in this guy's car and smells like cigarettes. Ask me how I know.”

• [15:42] George, on “house hacking” with risky leverage:

  “It’s riddled with risk all over the place ... just BS all around. ... Is there a Google Translate but for homeschool?”

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4. Key Insights & Takeaways

• Performative Confession Culture:
  Oversharing personal money failures online doesn’t solve real financial issues; it may normalize or even glamorize recklessness.
• Buy Now-Pay Later and Gambling:
  Both can lead to quick, severe consequences (“Next week’s problem” becomes future debt). Living only for now is financially ruinous.
• Tax Realities:
  Game show and lottery winners rarely plan for taxes—often spend before realizing the money isn’t theirs to keep.
• Credit Cards are Not ATM Machines:
  Charging expensive trips or lifestyle purchases at high interest often leaves people paying for years.
• The Danger of Frictionless Spending:
  App-based “financing” (DoorDash, BNPL) disconnects users from the reality of their spending.
• False “Hacks” in Real Estate:
  High leverage and minimal down payments in real estate can be a house of cards—risky and rarely as profitable as social media “gurus” claim.
• Points/Rewards Justify Overspending:
  The chase for credit card rewards pushes people into spend-cycles they may not be able to manage—big numbers mean big bills, not just free flights.

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5. Memorable Moments & Humor

• George’s recurring theme: “Unhinged, but relatable.”
• His send-up of “engagement bait” by reading bizarre pet and cat-related comments.
• Roasting DoorDash user’s “trust fund oven.”
• Amazement at the top dollar Amex spends for routine purchases and the normalization of 4-figure dinners.
• Wry take: “If a cat got injured, not gonna make the news, huh? Sorry, cat lovers.”

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6. Actionable Advice (Final Takeaway)

• Don’t try to impress others with reckless spending or “hack” your way into debt.
• Be honest about what you can afford.
• Avoid high-interest debt, risky “hacks,” and learn from others’ mistakes—not just for social media clout but for your own financial security.

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7. Timestamps for Major Segments

• [01:01] – Buy Now, Pay Later Confession
• [03:37] – Gambling Paycheck Away
• [05:12] – $100k Game Show Winner Spends It All
• [07:40] – Worst Financial Decision Engagement
• [12:28] – DoorDash Financing Confession
• [14:52] – Faux Real Estate “House Hack”
• [16:37] – Amex Year-End Spending Review

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Perfect for:
Anyone wanting quick, entertaining lessons on what NOT to do with money, as well as insightful, relatable commentary on the pitfalls of a debt-driven, “spend now, think later” culture.

Share with:
That friend who loves buy now-pay later, your social-media oversharing cousin, or anyone about to blow a windfall without reading the fine print.

Transcript

[Dave Ramsey]

There's a lot of presidential quotes that inspire me. They're eating the dogs. But this one from George W. Takes the cake. Fool me once, shame on you. Fool me, can't get fooled again. Now watch this drive. Either way, we've all made our fair share of dumb money moves, but thankfully, people now put them on the Internet for us to enjoy and hopefully learn from. So today, I'll be reacting to some videos of people ruining their finances in real time. Let's take a look so we don't make a fool of ourselves. But first, a fool's errand watching this channel without hitting the subscribe button. So hit the button, do it for your country, and shout out to deleteme for sponsoring this channel. Thanks for looking out. All right, let's get into it. How much money I saved this year? $0. But I fell back in love with living again. And that's a win in my book.

[Game Show Winner]

And you know what?

[Financially Irresponsible Person]

I was financially irresponsible this year. I really was. I took financial irresponsibility to a whole new level. I even exceeded my expectations of what it means to be financially irresponsible. But I owe it all to the buy now, pay later, because give it to me now. That flight to Italy, that other flight to Italy, those Airbnbs, that concert ticket, now how I'm gonna pay for it, that's next week. That's next month's problem. But as long as I can get the thing now and then figure out how I'm going to pay for it, that's all. Truly, that's how I've gotten through 2025. And no shame. Honestly, like, you guys are probably, like, that's not responsible, hence, financially irresponsible. I'm calling myself out. But you know what I also did this year was fall back in love with life again. And yes, I had to fetch out some money. Money that I don't even know how I got, how I had, how I came up with. I had to. But in doing so, I was living. I lived my life and fell back in love with living. So a win is a win.

[Dave Ramsey]

Gosh, guys, Gen Z is cooked. First of all, the hand gestures, they were doing too much.

[Amex User]

I'm gesturing.

[Dave Ramsey]

You think millennials are cringe? And the whole time you're like, give me the trip, give me the trip. I'm like, at least I'm honest about my irresponsibility. Oh, my gosh, guys, let me just read the first comment here from Julia. I know you have many followers, so this may be lost. On you. But I wanted you to know that I've really appreciated your bravery in what you've shared in your videos and how you've been fighting to like your life again. So brave. If going broke and using Buy now, pay later to go on trips that you can't afford so that you can feel something. If that's living and getting your life back, your life sucks. Create a life you don't have to escape from. Okay? I don't understand people like this. She's like, and if you want to shame me, don't, because I have no shame. I'm like, you're projecting, girl. No one said it. Clearly you have some guilt over this because you made a video saying, I'm really financially responsible, but if I make a video about it, at least I'll feel better. Just journal, Journal privately. You ever thought about that? Not everything has to be a video. Sometimes I do this at home, not in front of cameras. To my wife. Is she listening? No, it's not the point. The point is I'm getting it out in a safe place. Done with her. Moving on. Gambling my paycheck, part three. We're already at part. We skipped the first two parts. I guess he's still gambling. Let's see what happens.

[Gambler]

Part three of gambling my paycheck. I just finished my shift. We got our check. Today we got paid.506. We're gonna throw 506 on one hand of blackjack and try to double our money. But if we lose, I basically work for nothing. Let's load up Rain bet and see what happens. 506, one hand. Here we go. Don't let me down, rain bet 10 against a 10. Hit 14. No,

[Dave Ramsey]

no. Oh, gosh.

[Gambler]

I work for nothing.

[Dave Ramsey]

Language, sir. All right, first of all, you have anger problems. You definitely should not be gambling. Second of all, it looks like you have a really nice. I see red leather, and I go, this guy really is flexing on us with his red leather. It's not for me. I find it tacky, to be honest, but, hey, you. Do you. This is unhinged behavior. I mean, his whole account. It's called gambling my paycheck. But, no, this is wild. I don't know if he's actually telling the truth. I saw there was a number in his gambling app. It said, like, $4,000. So I guess this is his life. This is how he chooses to spend his money. I'm not a fan of losing money, and I think gambling is a very addictive, terrible trait hobby to have, and therefore I don't do it. If I go to Vegas, it's penny slots for me, bud. I bring $20. I play for two hours, get a couple of cocktails. I go, that was worth it. That was worth the entertainment value. I'm good. Losing 500 bucks in one second on an app hard pass. Let's keep going. Winner, winner, chicken dinner.

[Game Show Winner]

I won a hundred thousand dollars after winning America's Next top model in 2017. And here is the story of my biggest financial mistake of my life. So after I won the show, they actually gave me a check for $100,000. Boom, baby. I'm rich. And for some reason, my little itty bitty undeveloped brain thought that that meant it was a hundred thousand dollars post tax. Like, they obviously already took out the game show tax because I got a check for $100,000. Newsflash, not the case. So anyways, I go and spend the hundred thousand. Paid sixty thousand dollars for an apartment in New York, but I had a roommate paying me back. And then I subleased it and they paid me back anyways. It wasn't that horrible of an investment, but obviously not the smartest thing I could have done. And then the rest of the money I spent taking my family on, like, nice dinners and I bought one pair of shoes. And anyways, I spent the entire $100,000. I also got a car. Like, yeah, I spent the money, okay? What I should have done was put aside 35 to 40% of the money for taxes so that I'd be ready to pay that. But I didn't do that. I spent. Spent it all. And so I spent the next several years paying back the money in taxes to the irs. Whenever you watch a game show and you see, like, oh, my God, they won $10,000 or they want a new car or whatever it is, just take that with a grain of salt. Because not only are they going to be taxed on the actual cashola that they bring home, but, like, when you get a free car, you don't really get a free car. You have to pay the taxes. And then all the other things that come with winning a prize on television. For the million dollars that you went on Survivor, you probably got to pay, like, 400,000 in taxes.

[Dave Ramsey]

That's nuts.

[Game Show Winner]

But anyways, anytime I talk about this, people always freak out and they're like, oh, my God, you're such an idiot. It's like, yeah, I was kind of an idiot. That's why I'm making this video. In hindsight. Okay, lesson learned. And, yeah, Always prepare for taxes, everyone.

[Dave Ramsey]

Oh, this is great. Okay. This is the kind of video I can get behind. She made a dumb mistake at 19 and is letting other people know so that they don't make the same mistake. She's not encouraging this behavior like all of our other videos have done. So I appreciate that. And this is true. You win prize money, you are taxed. Plus there's extra prize tax, so it gets very expensive. And you've gotta be aware that you're gonna owe the IRS a bunch of money. They don't withhold the taxes for you on these game shows. Now I wanna give a shout out to Nate Bargetzi, comedian. His new game show Greatest Average American. I heard him say that they're not only giving them the prize money, which I believe is the average American salary is gifted, but they're gonna also, on top of that, give you the money to pay the taxes. So at least there's one game show that's figured that out. But this is true. I'm glad she's not gatekeeping, and I'm glad she's doing well. From what I can tell. I don't know. I don't know why I assume she's doing well, but she's alive to tell the tale at least. This is why broke people remain broke. I feel like these game winners shouldn't be taxed. I can't even fathom spending $100,000. Wait, so you spend $100,000 in less than a year? Yeah, I mean, think about it. Lottery winners do this all the time. Lottery winners go broke very often. Almost all of them do. Cause think about it. People who play the lottery don't make a lot of money. They generally, these are predatory towards low income people and areas. And so when they do win, they're like, oh my gosh, I made all this money. And now you tell your family and they go, well, you gotta take us on a nice trip, buy us a car, buy us a house, and all of a sudden that money's gone. You didn't go, I'm gonna invest a bunch of it. I'm gonna put some money aside for taxes, and maybe I'll spend a little bit. Almost nobody thinks like that. Those people are building wealth on their own. They're not playing the lottery. So it's a twisted game, but if you can get on a game show, go for it. I've been trying to get on Family Feud for years. Steve hit me up. What? What? Moving on. I'm 29 and not afraid to admit that my Worst financial decision was dot, dot, dot, juicy. New car for $33,000 at 7% interest. Yeah, I mean, that's bad. I'll tell you, I've seen worse. Co hosting the Ramsey show. I've seen, just the other day, 25% APR on this car loan. This guy refinanced without telling his wife. So that's my week. How's your week going? Let's see what the comments had to say about this. Oh, they're sharing their own she said comment your. Listen, this is how you far. This is called engagement farming. You say comment below with your worst financial mistake, and people are happy to share their own opinion. My worst financial decision calls me mama. I love him and wouldn't trade him for the world, but my goodness, is he expensive. His pack a day raspberry habit is hurting my wallet. Well, I hope he doesn't see this comment. Olivia, you're gonna break his heart. You're gonna be paying for therapy. It's gonna get real expensive. Now it's your worst financial decision. Okay, worst as in she's just saying he's expensive. I think she loves him. I hope she loves him. Six indoor cats that eat very expensive soft food four times per day, plus the feral colony I feed soft and hard to daily. That's a comment I never thought I'd read. There's a feral colony of cats that are on top of your six indoor cats. That's what it sounds. It sounds like you're like the cat. Wh. You did this to yourself. I don't have a lot of pity here. Sorry. I made too many poor financial decisions in my lifetime. Couldn't pin down just one. Now we're debt free, don't use credit cards, and we're traveling the United States in our rv. I needed a win today, guys. I really did. Thank you for that last one. I charged a Disney World trip, the whole thing on a credit card with 24% interest. Took me years to pay off that trip. Thank you, Karen, for your honesty. And that's the truth. People go, well, just put it on the car. You know, don't pay it now. Don't save up. We'll get it on the back end. And then it's four years later and you paid 24% interest. So that expensive trip just got even more expensive. And that money was locked up trying to pay down this debt. Don't do it, kids. And while we're talking mistakes, let me tell you about a mistake. A lot of people don't even realize they're making. And that's leaving their personal info on the Internet for anyone to find. I'm talking phone number, home address, old jobs, mother's maiden name, all of it sitting on a sketchy data broker site like it's a yard sale for your identity. And that's why I love and use Deleteme, a sponsor of this episode. Deleteme's team goes out and finds your personal info on hundreds of these data broker sites and they remove it and they let you know about it with a custom report and they continue to monitor and remove your info so you stay protected. So if you want fewer spam calls and texts and more peace of mind than check out Delete Me. And right now you can get 20% off an annual [e-mail] George Another money mistake I want to help you avoid is paying way too much for your phone. Thankfully, Boost Mobile, today's sponsor, makes it easy to save. With Boost Mobile, you can save up to 600 bucks a year. Compared to other phone carriers, it's just 25 bucks a month, forever on their unlimited plan. And when they say forever, they mean forever. No contracts, no sneaky fees popping up, just one low predictable bill. Plus, switching is super simple. You can keep your phone, keep your number. You can even do this from the comfort of your home within minutes if you have an esim, which most phones do now. So ditch the high bill, make the Switch today. Boost Mobile.com Ramsey based on average annual single line of payment of AT&T Verizon and T Mobile customers compared to 12 months on the Boost Mobile Unlimited plan as of January 2026. See website for full offer details. All right, back to the vids. Let's see what this young man has to say.

[DoorDash User]

I have such an unhealthy relationship with DoorDash, and the financing thing is just not helping. I've already financed like $1200 on DoorDash and I don't know when those interest payments are going to start. Now I can make like a really nice meal in my kitchen, but just the convenience of someone just dropping off my meal is the nicest thing ever. And then I don't have to pay for it up front, which technically means it's free at that point. Think about just deleting my DoorDash account once I get to like $5,000 financed and then just starting a new one. Do you guys think if I just delete my DoorDash account, it'll just delete my finance meals? Looks like my dasher has arrived and you guys think I'm joking.

[Dave Ramsey]

Got the dogs. Got the dogs out. Oh, yeah. There are zero things I like about this gentleman. Alright, let's start. Let's start with the visuals because that's what pops out first. He's shirtless. He's got the thing around the chin with kind of the blue steel look, kind of the faux messy hair, the silver chain which is giving 2004 energy. All right. He definitely got it at the mall and went to Lids after. He's that guy. Next I saw in his kitchen, guys, this is a luxury home. This guy has a lot of money. I see the red knobs on. If you see red knobs on an oven, just know that man has a trust fund. There's no way this kid on his own volition became this successful, this young and got red knobs on that oven. Okay, now let's talk about his actual. What he said, the things that came out of his mouth, which is, I financed my DoorDash. I've spent 1200 bucks. Once it gets up to five grand finance, maybe I'll just go ahead and pay it off. What do you guys think? And he's saying it's easier than cooking at home. Sure. You know what's not easy? Paying off $5,000 for the average person. And you've gotta feel it. That's the key here. We've added too little friction to our lives. Everything is frictionless. I can just go to an app, hit a button, and it shows up. And I never really had to. Even if it came out of your account, it doesn't feel like real money. Cause it's all just through an app. When you go to the grocery store, use your own money with a debit card or cash. You take it home, you cook it, you're gonna eat that meal and you're gonna like it and it's gonna be hot. Unlike this doordash meal, which has been sitting in this guy's car and smells like cigarettes. Ask me how I know. That's why I don't doordash anymore. It's disgusting. It's cold and smells like cigarettes. Just like Meemaw's house got dark. Guys, I gotta work that out. My therapist this weekend. Next.

[Real Estate Investor]

So I bought my first house and lived there for a year. And then after that, I put out what they call a heloc, which is a home equity line of credit, which is pretty much like a credit card that allows you to use 70% of the equity that your home built. I used that to put down as a Down payment on my next house. And then I turned my first house into a rental property. So I became a landlord and then I moved into my new house. So my first house now has tenants living in there and they cover the mortgage and like plus some. This is the house hacking I'm talking about. You know, I only had to put down 3%. Investment properties you have to put down 20%. That's like the house hacking part that a lot of people don't understand. I mean, everybody wonders like, how are you going to come up with like 20% down? But you don't have to.

[Dave Ramsey]

This one is maddening. I knew he was a realtor. Buy, build, sell. There's all kinds of real estate hacks that people throw out there. Like, hey, don't have 20% down to put on an investment property. Put 3% down and then it's your property. But then you take out a HELOC and buy another one. Then you can rent out yours. It's riddled with risk all over the place. Assuming that your tenant's going to pay, that you're going to have a quality tenant, that you're not going to have maintenance and repairs and by the way, taking on 97% of the mortgage, there's no way you could even rent it out where you could pay the mortgage from your tenant. So just BS all around. Sorry homeschoolers BC bull crap. Can we even do crap? They can't do crap was another. I don't know. I don't know what the homeschool appropriate version is. I need a translator. Is there like a Google Translate but for homeschool, let me know in the comments or create one. Showing my family my 2025 credit card statements. Unhinged. But let's see what happens.

[Amex User]

2025Amex wrapped as a not wealthy 24 year old. We did this last year. 35000 people loved it. So we're back for more. In January, my biggest purchase Sephora online shopping haul. And this month I spent 1112 on to February.

[Game Show Winner]

2700.

[Amex User]

1500. Oh my God guys, you're gonna be so proud of me.

[Dave Ramsey]

14.94 what is a solid core membership? Is that a gym thing? I imagine she looks like she really wants to let you know she goes to a spin class, so. Okay. Insane already. That's like people's rent. Just get a bicycle or something. 3-22-90 Friends reunion at the Cape. $2,300. Okay. I'm guessing all of her friends are also idiots. April. Oh my God. It's you.

[Amex User]

I think you're gonna be here for this dinner for his birthday. Amou.

[Dave Ramsey]

28:79 Guys, I'm sorry but every. Every month is another reason to be upset. Boyfriend's B day dinner at Moo 2879. That's 2,879. How many people were at this dinner? Was it just them two? She seems like the type that'd be like just whatever. The most expensive wine you have is great. Love to be her server. It was a good night for him.

[Amex User]

A dinner with little exceptions. Expensive in May.

[Dave Ramsey]

Serious photo.

[Amex User]

What?

[Dave Ramsey]

Serious photo. No smile. Very serious in that picture.

[Amex User]

I'm sweating. 1,743. You didn't add in your flight, your travel expenses. Oh, I guess not. Cuz I venmoed someone for that from Miami.

[Dave Ramsey]

Oh wow. Okay. Could do a Venmo one.

[Amex User]

No, I actually just got my monthly solid core membership. Usually a green flag. Good sign. Means I didn't go crazy overspending. If this is the most expensive expensive of the month. 1347.

[Dave Ramsey]

1347 for solidcore. So she's just laying out the most expensive purchase. This is tip of the iceberg for what this woman spends in a month. How is her boyfriend not going? Red flag. Red flag. Abort mission. She's not the one. He must come from money too because he doesn't seem stressed at all. He's sitting on the couch like this is normal behavior.

[Amex User]

2,346. Not too bad.

[Dave Ramsey]

We'd be low guessing for the drama effect.

[Amex User]

No, there's just no nose jobs in this this year. So it was, you know.

[Dave Ramsey]

Wow, wow, wow.

[Game Show Winner]

June.

[Amex User]

She said 17,000. No jump scares. Well, you know, you might. 1,355 happened to get scammed. That's just a fun fact. It did get the money back. Amex. What a great company. 2,331 don't have a salary shopping purchase.

[Dave Ramsey]

They ended up scamming me. $2,300.

[Game Show Winner]

That's you.

[Dave Ramsey]

You would hope it doesn't pick up.

[Amex User]

You don't know. This is my biggest month of the year. Okay. I will tell you that.

[Dave Ramsey]

Okay. Was that Taylor Swift tickets? I missed that. She's going too fast. She's spending too fast. She is talking too fast. Don't like any of this.

[Amex User]

$909. Can we clap for that? Now comes Christmas this month again. Boyfriend's here. To Cova's boots for Chris. Total months 26.89.

[Dave Ramsey]

What? To Cova's boots for my boyfriend for Christmas. Okay. Is this. Oh, I think it's total. Okay, guys, I'm sorry. I just learned a fun fact. That's the total month spent. She just calls out the biggest purchase of the month. The total month spent is the actual number. I feel so much better. I apologize for every bad thing I said about. Well, not every bad thing, but like, most of the bad things. I take that back. Not bad. That's not terrible, guys. It's not great.

[Amex User]

Does anybody have any yeses on what my Total Year spent?

[Dave Ramsey]

20,000.

[Financially Irresponsible Person]

24,000.

[Amex User]

31,000.

[Game Show Winner]

Roll.

[Amex User]

23,000. If this is the prices right, Chris would have just a Delta and a mega card.

[Dave Ramsey]

That gave you a lot of points.

[Amex User]

So many Delta points. Sponsor me.

[Dave Ramsey]

That's great. Tell them about how many times you took a Delta flight this year.

[Game Show Winner]

I took.

[Amex User]

That's in my next presentation.

[Dave Ramsey]

Stay tuned. Come back. Oh, boy. Okay, so she spent about 24 grand on her Amex card. I imagine she paid it off every month. Who knows? There's a lot she's not telling us here. Who's footing the bill? Is she even employed? I need answers. All for the points. I just want to see if the comments are. Are they like, you go, girl. Your dad's silence is so loud. That's a father who went, where did I go wrong? My little princess became my little monster. And she. Yeah, she said as a not wealthy. Which makes me think she doesn't have the money to do this. And yet she makes it seem like this is normal and acceptable behavior. We should all do presentations about how broke we are and how much we spend. This honestly, wasn't bad. Mine was higher. Lol. Good job. Well, that's good. Unrelated, your house looks so cozy. I will admit, the house very cozy. The dogs are the best part of the video. Your dad looks so stressed. You are brave guys. People go to war like our ancestors. They died for our freedoms. You're so brave. Even the font choice isn't great for her. PowerPoint. Do better. I'm done with her, as per usual. As a reward for my good behavior, producer Alex has chosen a video at random that he thinks would be fun for me to watch, which I appreciate. You know, I'm like, I ate my vegetables. It's time for a little dessert. So let's see what he's cooked up for us. A tense moment on the highway. Oh. Oh, my gosh. What? Okay. People will say, this is AI. I don't believe it. Is not coming from Eva Kovaleva Skincare's account. It can't be. Oh, this is a whole. This has got to be some kind of Russian. I don't want to touch this. I think it is going to have a field day with this one. I think it's a way to hack my account. But that is wild. Thank you, Alex, for that. It's like a jump scare into another jump scare, but then you're like, oh, that's nice. This didn't really happen. And it's a kitten driving the car, so nobody was injured. But let's be honest, if a cat got injured, not gonna make the news, huh? Sorry, cat lovers. I'm not encouraging that. Anyone injure a cat, let me just say that. But if it goes missing, I ain't gonna say anything. Look, we've all made money mistakes, but some of these videos people are straight up sabotaging their finances without even realizing it or realizing it all for the affirmation of others to make themselves maybe feel better or just get clicks and views. And yeah, sometimes you gotta just learn the hard way. But you can avoid everything you at least saw today. And you could save yourself a lot of pain and cash if you stop trying to impress people and started being honest with yourself about what you can actually afford. And just say, I have a value in my life that I don't go into debt, especially for things I do not need. So take the decisions we saw today as red flags to avoid. And if you're ready to actually turn things around and be better with your money, check out this video where I share the 11 frugal habits that made me a millionaire. No debt included. Don't forget to like, subscribe and share this episode with a friend who's auditioning for Survivor. Got to tell them about that game show Tax. It's going to hit hard. Thanks for watching. We'll see you next time.