25 Minutes of INSANE Credit Card Debt on the Internet

Summary

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Podcast Summary: “25 Minutes of INSANE Credit Card Debt on the Internet”

Podcast: George Kamel (Ramsey Network)
Air Date: March 6, 2026
Host: George Kamel
Episode Theme: Exploring the shocking realities, cultural attitudes, and misunderstandings around credit card debt as seen in viral internet videos—debunking myths, providing tough love, and injecting humor.

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Episode Overview

George Kamel, personal finance expert and host, dives into the staggering levels of credit card debt in America—now over $1.23 trillion—by reacting to a series of viral internet videos. He critiques the normalization of high debt levels, unpacks common misconceptions, and offers financial advice, all in his characteristic blend of wit, pop-culture references, and “snark.” The episode aims to bust myths, provide practical tips, and encourage listeners to take accountability—without shame.

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Key Discussion Points & Timestamps

1. The Scale of Credit Card Debt in America

[00:05]

• George opens with the statistic: “The total credit card debt in the US is now over $1 trillion. 1.233 trillion, to be exact. And it's hard to wrap your brain around $1 trillion.”
  • He humorously compares it to buying the entire NFL five times over, highlighting the incomprehensibility.
• Tone set for a critical, slightly exasperated look at debt culture.

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2. Breaking Down Personal Debt: "Miranda's Story"

[01:12 – 02:40]

• Miranda, a social media creator, publicly lists her debts across 8 credit cards, totaling nearly $65,000.
  • Highlights: $2,874 (Shields), $4,844 (Discover), $5,500 (Chase Disney), up to $24,987 (Amex).
• George’s Response:
  • “Lord help us all. Is this really supposed to make people feel better? Cause I don’t feel good.” [02:40]
  • Sarcastically praises her transparency, but expresses worry over the trend of "bonding" over debt without discussing solutions.
  • Notes Miranda’s content is about paying off debt and encouraging others; wishes her success with a dose of skepticism.

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3. Humor, Denial, and Coping with Debt

[03:30 – 06:30]

• Reacts to a comedic video: a man describes simply “being done” with paying his bills (not paying off actual debt).
• George’s Analysis:
  • Discusses the futility of ignoring creditors: “You can try to shove it in a corner, put it under the rug… It’s gonna come back to bite you.” [05:45]
  • Offers practical tips: call creditors, try for lower interest, set up payments, and above all, change spending habits.
  • Memorable quote:
    • “What got you into this is not gonna get you out. You need to change your behavior and throw way more than just the minimum payment at this credit card debt.” [06:10]
  • Dismayed by comment section advising bankruptcy and avoidance: “Please don’t listen to any of these buffoons.” [07:38]

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4. Dangerous Misconceptions: The Minimum Payment Trap

[07:55 – 09:03]

• Video recounts a college student who believed paying only the minimum ($10) was sufficient, regardless of balance.
• George’s Rant:
  • “Clearly most people can’t [use cards responsibly]. They don’t even know how it works and how interest works and how minimum payments work.” [09:03]
  • Advocates for a required “debt test” before being allowed to get a card.
  • Reader comment: “You should have to pass a brief quiz before receiving a credit card.” (Read approvingly by George).

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5. Comparing Debt: Credit Cards vs. Student Loans

[09:30 – 10:30]

• Comments in videos suggest credit card debt is “not as bad” as student loans.
• George’s Clarification:
  • Dismantles the comparison by noting credit cards usually carry much higher APRs (often over 25%), versus 4–7% for federal student loans.
  • “Credit card debt is embarrassing. Student loan debt is not lmfao. I’m shocked at how many people are like, student loan debt is so great. You should be so proud of your student loan debt. This is wild.” [10:00]
  • Warns against using others’ bad choices to justify your own (“the comparison game is absolutely toxic”).

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6. Financial Apathy: Accepting High Interest

[12:38 – 13:50]

• Clip: A man is unconcerned about his 24.43% APR, feels no urgency to change.
  • Financial advisor tries (struggles) to create a parking ticket analogy.
• George’s Take:
  • “This is insane. And it’s, truth be told, not a great analogy with the parking tickets because the guy was like, yeah, dude, I get parking tickets all the time. I don’t care. Not helping.” [13:36]
  • Satirically references the “Barstool Sports” attitude (carefree, anti-expert).
  • “Nobody should just be okay with [high interest debt]… his life will never get better. But hey, he’s a barstool host.” [13:50]

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7. The Debt Influencer Phenomenon

[15:58 – 17:57]

• Video: Married couple with $63,000 in credit card debt pays $2,310/month in minimum payments; interest rates range 9.99%–29.99%.
• George’s Commentary:
  • Positively notes the growing culture of documenting debt-free journeys.
  • “Are people going into debt just to make…debt free influencer content? Should I do that?” [17:18]
  • Praises that they’ve paid off $22,000 already (“Way to go”), but is incredulous at the initial amount.

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8. Escapism: Fleeing Debt by Leaving the Country

[17:57 – 18:48]

• Video suggests maxing out cards, moving abroad (where “credit scores don’t exist”), and waiting for debts to fall off.
• George’s Disapproval:
  • “This has become our solution is just flee the country and hope you can absolve yourself from your debts. This is insane. How about we just, I don’t know, have some integrity, take some personal responsibility…” [18:28]
  • Explains the uniquely American obsession with credit scores; recounts his own debt-free, credit-score-free journey.

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9. Credit Card Culture and Slippery Slopes

[21:00 – 23:12]

• Analogy: “Everyone thinks they’re the exception…you don’t realize credit cards are dangerous until it’s too late. Everyone thinks they’ll never carry a balance.”
  • “It’s just like you said. I’m just gonna have one Oreo. What’s the single Oreo gonna do? And then all of a sudden a whole sleeve gone…” [22:34]
• Warns against “comparison game” and rationalizing debt with others’ worse situations.
• Affirms: No shame for having debt; encourages action to pay it off.

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10. Final Takeaways and George’s Approach

[23:12 – End]

• George highlights: He owns zero credit cards, lives on debit and cash, has no issues with travel or normal life.
  • “I truly have zero credit cards. I have a debit card and I use cash and I’ve done this for well over a decade and my eyebrows are fully intact.” [23:12]
• Key advice:
  • Don’t hide from debt or make only minimum payments.
  • Don’t compare your debt to others to feel better.
  • Take personal responsibility; pay it off fast.
  • There are alternatives to credit cards; “playing with fire” is not risk-free.
• Encourages listeners: No shame, just action. Links to further resources for paying off debt.

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Notable Quotes & Memorable Moments

• “It’s okay, guys. Let’s all just go into debt and just share. That’s what we should do. What are you doing to get out? And how did you get in?” – George [02:57]
• “Please, as much as I enjoyed this video, do not put off paying your bills. Don’t let things go into collections if you can help it.” – George [05:52]
• “If there’s a citizenship test, why is there not like a debt test of like, hey, you got to understand how much we’re going to screw you.” – George [09:10]
• “This comparison game is absolutely toxic. Just put your blinders on and go, hey, what’s best for me in my life, regardless of what other people are doing.” – George [11:45]
• “Nobody should just be okay with that [over 24% APR]. And you know what else you shouldn’t be okay with? Overpaying on your phone bill…” – George (pivoting to a sponsor segment, but amplifying his point) [13:50]
• “How about we just, I don’t know, have some integrity, take some personal responsibility and go, hey, I promised to pay that money back, and I took it out willfully and signed the dotted line.” – George [18:28]
• “It only exists because using other peoples’ money with the promise of paying it back later is a slippery slope.” – George [22:50]
• “Don’t bro me. I didn’t consent to be bro’d.” – George [23:09]

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Summary Table of Critical Segments

| Timestamp | Segment | Key Takeaway | |-------------|------------------------------------------|---------------------------------------| | 00:05 | Opening/statistics | $1.23T in US credit card debt | | 01:12–02:40 | Miranda’s 8-card debt breakdown | Shock at normalization of massive debt| | 03:30–06:30 | Coping/ignoring bills | Humor, warnings against avoidance | | 07:55–09:03 | Minimum payment myth | Misunderstanding leads to ruin | | 09:30–10:30 | Student loans vs. credit cards | High APR on cards, comparison trap | | 12:38–13:50 | Apathy about high APRs | Don’t accept bad debt as normal | | 15:58–17:57 | Debt Influencers | Public debt journey; praise for payoff| | 17:57–18:48 | “Just move abroad” solution | Dangers of debt avoidance | | 21:00–23:12 | Culture/slippery slope | Everyone thinks they’re exception | | 23:12–End | George’s own life, call to action | Debit/cash works, no shame, act now |

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Final Thoughts

George Kamel brings humor and hard truths to the wild world of viral debt confessions, zeroing in on cultural blind spots, dangerous myths, and the normalization of destructive financial behavior. He urges listeners to move past comparison and avoidance, advocating for personal responsibility and proactive debt repayment. With punchy metaphors (“playing with fire”) and pop-culture asides, George keeps the tone light but the message clear: you can have a great life—and possibly better eyebrows—without a single credit card.

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Recommended Next Step:
Watch George’s linked video on “the smartest way to pay [credit card debt] off fast,” or share this episode with someone making only minimum payments.

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Transcript

[George]

The total credit card debt in the US is now over $1 trillion. 1.233 trillion, to be exact. And it's hard to wrap your brain around $1 trillion. So an easy way to understand that is you take a million dollars plus 999.999 billion dollars, and with the amount of credit card debt Americans are in, you would have enough to buy the entire NFL five times over and still have enough left to buy the. I know it's a different sport, but there's no wnfl. Why don't they have that? Why don't they have it? Why don't they have it? So today I'm gonna react to some videos from the Internet that my team sent me about how insane credit card debt has gotten and how people are dealing with it. But before we dive headfirst into the doom scroll, do your good deed for the day and tap that, like, button and subscribe button. And huge shout out to our channel sponsor, deleteme, for making the cost to watch this video 3.99. More about them in a bit. Let's get to it. You okay, bud? He's okay.

[Miranda]

Let's break down my credit card debt together so that I can help you feel better about your finances. All right, are we ready? Because this is spread across eight credit cards, and it's going to blow your mind. Let's start off with my smallest amount and work all the way up to my highest credit card. So first off, I have my Shields credit card. This is the one that we're currently working on paying off, and it is sitting at $2874. Next after that is my Discover card, and that is sitting at $4,844. Next after that is my Chase Disney card. And this is sitting at 5500 dol. After that, I have my star card, which is sitting at $7,628. And after that is my husband's star card, because, yes, we both have one, and his is sitting at $8,028. Then we have my Visa Platinum card, which is sitting at $11,283. And then we have my cash rewards card, which is sitting at $19725. And then we have my highest card. That's my American Express, and It's sitting at $24,987.

[George]

Lord help us all. Is this really supposed to make people feel better? Cause I don't feel good. Could be worse. Could be that girl. I mean, the bun is the best part of this video. It's really taking up a lot of real estate on this screen. I gotta see. Is the comment section in support? Are they going? Thank you for your vulnerability. Let's see. Mom, two boys. The only place you should be traveling to is a second job. Crowd goes wild over that one. So I'm not too poor for vacations. I'm just not stupid enough to go $90,000 into debt. To go. That was pretty good, too. When you said smallest to largest and kicked off at 2k, I almost had a heart attack. Enter Caleb Hammer. Image. This video and videos like this, I think are just perpetuating. It's like, it's okay, guys. Let's all just go into debt and just share. That's what we should do. What are you doing to get out? And how did you get in? Who let you. What credit card company was like, guys, give her a ninth card. All right? She needs this. But to her credit, her account is all about paying off credit card debt slash making money online, inspiring other women to do the same. There you go. Combine what you love. Going into crippling debt and inspiring women. But I do wish her the best. As much shade as I threw at Miranda, I hope she becomes debt free. And if I can help in any way, Miranda, hit me up. I'll hook you up with any resources I can. Okay? It can only get better from here. And I usually say that, and I'm wrong. So let's find out. Okay. Pov. You're done paying your credit card bills? I. I'm done paying my credit card bills. I didn't pay them off. I just, like. I'm done paying them. I don't want to pay them anymore, so. Feels pretty good. I could. Pretty freeing. I gotta say, shout out to the Trader Joe's dark chocolate covered almonds. The man has taste. I can't speak to that. What I think is bleached blonde hair, but to each his own. He pulls it off. I'm getting a lot of phone calls from 800 numbers, but probably not that big of a deal. I didn't think. I like dark chocolate or almonds. The combo, bro. It's the combo of the dark chocolate plus the almond. We're not just all grabbing dark chocolate straight up. We're not just grabbing almonds straight up. That's a fool's errand. You combine the two, you cover the nut with the chocolate. A carry on, king. When you mix the two together, something crazy. Yes. Yeah. So. All right, guys. All right. I guess we were done with the Credit card content pretty fast. It was mostly an ad for Trader Joe's dark chocolate covered almonds. And I'm not even mad about it. Trader Joe's pay. This guy, he's doing the most for you could help him pay off his credit card debt. Now, I don't know if he's being honest. I think there's. In most comedy, there's truth. And so this is him trying to cope with it. And the idea behind this is basically, we are giving up. Everyone's in this existential crisis, and they're just going, you know what? I'm just done paying my debt. Just not gonna do it. And here's the thing. You can try to shove it in a corner, put it under the rug, put it in the junk drawer. It's gonna come back to bite you. These companies, they have billions of dollars and lots of lawyers who will sue you, who will send that to collections, who will then go after you and harass you until this thing. So, please, as much as I enjoyed this video, do not put off paying your bills. Don't let things go into collections if you can help it, and just know you can call them. You can get on a payment plan, ask to lower the interest, and you can always just attack it. Like, what got you into this is not gonna get you out. You need to change your behavior and throw way more than just the minimum payment at this credit card debt, because 27% APR is going to make that balance balloon if you don't get control of it. And shout out to this guy, if you want to hang. Hit me up, bro. We can go to TJ's together. I want to see if the comment section is interested in his almond content. I aspire to be this unbothered same. And I filed bankruptcy for a little razzle dazzle. Yikes. Maxed out five cards back in 2021. Haven't paid since. Okay, you didn't even spell paid right. I think that should. There should be a quiz before credit card companies let you take on debt. This is wild. I aspire. Okay, the calls stop at three months. Stay strong, brother. Oh, boy. I uno reversed and filed chapter seven bankruptcy, and it was the best decision and easiest thing ever. Please don't listen to any of these buffoons. Sorry to use strong language, homeschoolers. He said the B word. All right, moving on.

[Friend/Commentator]

This is a real conversation that I had with one of my friends when I was in university without her credit card.

[George]

And.

[Friend/Commentator]

And I still think about this. Once a week, I have to pay off My credit cards, like, 700 bucks this month. That sucks. What do you. What do you mean your credit card bill is $700? Like, I, I just bought all my textbooks and stuff, so I have to. I have to pay off my credit card. Like, it's 700. My credit card bill has never been over $10.

[George]

What?

[Friend/Commentator]

What? What? Yeah, like, you only have to. You only have to pay the $10. What do you mean you're. It's only 10. What. What do you mean you're only paying $10? Like, you know, every month you get the bill and it's. You only have to pay $10. It doesn't matter how much you put on. It's literally, you just have to pay the $10. How long have you had this credit card for? Since first year. We're. We're in our third year university. Do people not know that? Do people not know that? People of the. People of TikTok, people of the Internet just know, like, please, just pay in full. Pay in full.

[George]

This is my biggest beef with everyone on the Internet going, these Ramsey guys and George, they're against credit cards. Just use them responsibly. Clearly most people can't. They don't even know how it works and how interest works and how minimum payments work. If there's a citizenship test, why is there not like a debt test of like, hey, you got to understand how much we're going to screw you. And then you have to agree to the terms and conditions. You have to read it out loud back to them in order for them to give you that credit card. Maybe then I would be like, you know what? All right, have at it. If you want to have a good time and go into debt, at least you know that you're getting screwed. But people like this, they exist all over the country and they're going, well, I just need to make the minimum payment and I'll be in good standing with the credit card company. In fact, they just offered me a bigger line of credit. I'm such a good boy. This is what's wrong with America and why we are on $1.233 trillion in credit card debt because of people like her. So thank you for bringing awareness to the situation. Look at this. Carlos. First comment, you should have to pass a brief quiz before receiving a credit card. I only spend what I can pay off in full. Credit card debt is no joke. I worked at a credit card company for four years, and there were people that tried to pay their credit card with that same credit card. So, yes, I didn't even think about that. What a loophole. Hey, I know you owe you 700 on that card. Gonna go ahead and put it on my tab and pay that off with another 700. It did get worse. It did get worse. Sydney X. When I start to stress about my $5,000 credit card balance, but then I remember there's someone out there who went into $200,000 of student loan debt just to have the same job as me. Oh, already burned them, Sid. Let's see what she has to say. Oh, that's it. Should I be doing that? Should I just be doing content where I'm just like, they'll fast forward it and put captions over me? I just don't think I'd get as many likes as her. I don't know. Maybe I'm the problem. Maybe. Definitely. Student loan debt is not equal to credit card debt. Okay, True. They are very different types of debt. Let's talk about that. Credit card debt has a much higher apr. All right? The interest rate on those is astoundingly high. Like 25, 29% is pretty normal compared to student loans, which is likely. 5 6, 7, 6 7. Are we still doing that? We are. We are not. That is true. Student loan debt, you could say, is for a more noble goal of getting an education. And yet it is astoundingly expensive compared to what most people go into. Credit card debt. So, yeah. Is it different? Absolutely. Credit card debt is embarrassing. Student loan debt is not lmfao. I'm shocked at how many people are like, student loan debt is so great. You should be so proud of your student loan debt. This is wild. Federal student loans have 4% interest. Credit cards. Okay, there we go. Someone who someone gets me. But, babe, my credit score is just fine. Arrow through heart. Okay, guys, I guess people are liking this video because they relate to this content. They go, yeah, I have a little credit card debt, but other people have it a lot worse. This comparison game is absolutely toxic. Just put your blinders on and go, hey, what's best for me in my life, regardless of what other people are doing. If everyone's jumping off a cliff, you're not going to go, well, I'm not going to jump off something that high. I'm still going to jump. I'll break a few legs, but not that stupid. No Wile E. Coyote over here. Finally, some bros. How much debt do

[Financial Advisor/Host]

you have on your credit card? Have you been paying it down?

[George]

I kind of just do my own thing.

[Financial Advisor/Host]

What a wonderfully sound financial Plan average annual percentage rate. For most credit cards, the average is. I think it's 24.43%.

[George]

I'm okay with that.

[Financial Advisor/Host]

No, you shouldn't be.

[George]

I'm fine with that. That could be way better.

[Financial Advisor/Host]

No reason that that should exist in your life.

[George]

Yeah, but I see that number and I don't get worried.

[Financial Advisor/Host]

Imagine if you parked your car in a place where you knew you were going to get parking tickets.

[George]

I've done it several times.

[Financial Advisor/Host]

Yeah, and you just left it there because you said, I don't really mind paying these parking tickets, but there was a way to park your car in a place nearby that still costs a little bit of money, but you were never going to get parking.

[George]

Can I tell you why I don't mind that much? Why?

[Financial Advisor/Host]

I think I'm going to get rich someday. This is so frustrating.

[George]

I apologize for the language. We all said it in our heart, but this guy chose to say it out loud because, you know, barstool sports, we kind of run by our own rules. We're the edgy guys in sports. This is insane. And it's, truth be told, not a great analogy with the parking tickets because the guy was like, yeah, dude, I get parking tickets all the time. I don't care. Not helping. But, yeah, this guy clearly just doesn't care because money's not real, debt's not real, it's someone else's problem to deal with, and his life will never get better. But, hey, he's a barstool host. And what am I doing? They're not asking me to be on their shows. Should I host a barstool sports show? Get in touch. Portnoy, your boy's here. He's waiting. But nobody should just be okay with that. And you know what else you shouldn't be okay with? Overpaying on your phone bill like this guy probably does. And I bet some of you don't even know how much you're actually paying each month. And that's where today's sponsor, Boost Mobile, comes in. Clutch. With Boost Forever plan, you get unlimited data, talk and text for just 25 bucks a month, forever. Which saves you, on average, 600 bucks a year compared to the other guys. And you don't have to worry about signing contracts or worry about random fees getting added to your bill. Plus, they make it really easy to switch from your old carrier. You can keep your same phone and number. No awkward new phone who dis moments. So if you want to stop wasting money, go to boostmobile.com Ramsey or click the link in the description based on average annual single line payment of AT&T Verizon T Mobile customers compared to 12 months in the Boost Mobile Unlimited plan as of January 2026. The website for full offer detail and since we're talking about credit card debt, I got to tell you, a lot of debt products get marketed to you using your data. Data brokers sell your personal info which makes it easier for companies to target you with pre approved offers you never asked for. But if you're sick of playing digital whack a mole to protect your info, you gotta check out DeleteMe, another sponsor of today's video. Their team of privacy pros. They do the heavy lifting of finding your data across hundreds of these data broker sites and they remove it and send you a report which helps protect you from a bunch of spam offers, scam texts and fraud induced migraines. And right now you can get 20% off their annual plans by going to joindeleteme.com george or or click the link in the description all right, back into the abyss.

[Debt Influencer]

My husband and I are in $63,000 of credit card debt and today I am going to tell you exactly how much we are paying every single month in just minimum payments. I splurged today and let the hate comments begin. Starting with credit card number one which our goal is to pay off December 2025. Minimum monthly payment is $528. Credit card number two minimum monthly payment is $315. Credit card number three minimum payment is $284.09. Credit card number four is $267. Credit card number five is $296. And last but not least, credit card number six. This one hurts. Minimum monthly payment is $620.64 which comes out to a monthly total of $2,310.64. Interest rates range from 9.99% all the way up to 29.99%. The first card that we're paying off

[George]

actually has the lowest Okay, I don't know her full story. I don't know how you get into that much credit card debt. That's in a wild amount of credit card debt compared to the average person. And again I can see that she has her whole account is about becoming debt free. So I love that. I love that we are more open with our debt free journeys and posting about it. But goodness gracious this is wild. Are people going into debt just to make become like debt free? Influencer Content Should I do that Should I just purposely go into crippling debt and climb out and make it a reality show? Please don't say yes, but comment below. If you watch that, dude, I paid off so fast, bro. I'd go in, I'm out. They wouldn't even catch me. Like, boy, was that guy just in debt? Nah, dude, he's dead. He just left. He left. He's got no debt that good. Current balance, 41,000. Okay, they've paid off, like, 22 grand. Way to go. I like to see it. All right.

[Friend/Commentator]

What, are they going to show up at your door? You should get a credit card and

[George]

max it out and use it to

[Friend/Commentator]

move abroad, because credit scores don't exist outside of the United States. And after five years, that den is completely removed, so it doesn't really matter anyways.

[George]

Did you hear something? What? I'm so confused by this content and truth be told, little distracted by what's going on up top. Like a skull. I guess if you get a tattoo on your skull, you want to keep it shaved to, like, you know, flaunt it if you got it. But it was a lot for me. I'm still confused by. Okay, her account. Diaz travels. Travels the world. Survivor nomads solo driving from Argentina to Alaska. I just think the context helps me understand what's going on here. Let me see the comments. What do you mean credit scores don't exist outside the U.S. it's me. I moved and took out six figures in loans. They don't come after you. File for bankruptcy if you need to. The rich do it all the time. Guys, this has become our solution is just flee the country and hope you can absolve yourself from your debts. This is insane. How about we just, I don't know, have some integrity, take some personal responsibility and go, hey, I promised to pay that money back, and I took it out willfully and signed the dotted line. Maybe I should try to, you know, pay it back. Just a thought. Who am I to encourage paying off your debts that you willfully went into? Why do my actions have consequences? But it is true. Credit scores are a very American thing, and they've only existed for, you know, a period of time since, like, the 90s. And so it is a wild thing that we base our entire financial world around credit scores when you really don't need one. Because here's the thing. You get a credit score by going to debt and paying it off perfectly and taking on more debt and balancing it all and juggling it well. But what if you just didn't go into debt or paid it off, what happens is your credit score disappears. And that's what happened to me. And now I just live a debt free life. And I even bought a house without a credit score to get a mortgage. And yes, that created a new credit score. And then I paid that house off and now the credit score's gone again. So I'm done playing the game. You don't need to. Not gonna flee the country. I wanna visit other countries, but not to flee, not to go full. You know, Walter White, he's still out there. Tupac, they're in cahoots. All right, as per usual, if I do a good job and I'm a good little boy, producer Alex gives me a fun video to watch as a little palette cleanser, A little ginger on the plate, if you will. And so let's see what he has for us today. Caption. Human hydraulic press. I am intrigued to say the least. Oh, this is fun. Oh, gosh, that looked like it hurt. That's soft. That's a pillow. No, he's not gonna crush the apple. Oh, listen, this is how you know, we are an over evolved species. We went from like, hey, guys, are we going to make it another day? Are we going to survive out here? Are we going to eaten by an animal, by prey, by cannibals? To what if we crushed this apple with our chin and got a bunch of likes? Is this entire channel just. Oh, it is. Well, he started, oh, okay. It's a lot of vape content. And he pivoted and went, you know what, this ain't working out. But if you crunch a bunch of crackers under your chin, you might make it one day, son. Dude, this thing is not plastic. That hurts. This guy's got a strong he's chin game. He's got to do chin workouts. Keep that muscle strong. That actually did make me feel better about my life. So thank you to producer Alex. Listen, here's the thing about credit cards. Yeah, we're still on the credit card thing. I didn't go anywhere with that. You don't realize credit cards are dangerous until it's too late. Everyone thinks they're the exception. They say, well, I'm just gonna open one just to get my credit score going. I'll just keep one, right? Just like you said. I'm just gonna have one Oreo. What's the single Oreo gonna do? And then all of a sudden a whole sleeve gone. Or you watch one episode of Jersey Shore, all of a sudden you're googling the nearest suntan city. It happens. Not to me, but I've had some friends that have succumbed to the suntan city situation, if you will. Hope he's doing well. But with credit cards, the stakes are high. Nobody opens a credit card thinking they'll ever carry a balance. But that trillion plus in credit card debt? It only exists because using other people's money with the promise of paying it back later is a slippery slope. And you saw it firsthand in these videos. Now I already know a bunch of you already headed to the comments saying, George, I have a credit card and I don't have debt. I paid off every month. I've never paid a dime in interest and I travel for free. Just use it responsibly, bro. First of all, don't bro me. I didn't consent to be bro'd.

[Friend/Commentator]

Right, bro?

[George]

Second, that's like saying you play with fire and you haven't burned your eyebrows off yet, so everyone should go play with fire. Just be responsible. It doesn't make it a wise or healthy way to get control of your money or build wealth. And listen, I truly have zero credit cards. I have a debit card and I use cash and I've done this for well over a decade and my eyebrows are fully intact. Could they use some work? Sure, but I'm not about to go pluckin'. They're not too bushy, they're not too thin. I think I'm happy with my brow game. Let me know in the comments. But hey, if you've got credit card debt, there's no shame here. If you're ready to kick it to the curb, go watch this video where I break down the smartest way to pay it off fast. I'll also drop the link to that video in the description and if you enjoy this video, share it with a friend who's only making a $10 minimum payment every month, thinking they're doing the most. They'll either thank you or or make it part of their villain origin story. Thanks for watching. We'll see you next time.