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George
If there's one thing I've learned from talking to people about money, there's a lot of emotion around finances. We're talking denial, frustration, sadness, fear, rage, and side effects may include diarrhea. Pause. And today, I'm reacting to some videos that show exactly how these feelings play out in real life. And I'll be joined by my friend and fellow Ramsey personality, Jade Warshaw, who has a great resting react face. RRF for short. Trademark. Let's get into it. Jade, welcome.
Jade Warshaw
What's up, Geor?
George
We got you at the desk this time.
Jade Warshaw
I'm so excited.
George
Thanks for coming.
Jade Warshaw
It's less awkward than the couch.
George
Was it cause I'm awkward or the couch was awkward?
Jade Warshaw
I don't know. I'm tall and so my knees were kind of.
George
Are you trying to say I'm short?
Jade Warshaw
You said it.
George
You know what? Moving on. Listen, Jade, you may see a theme in the videos today because they are tied to some of the emotions you talk about in your new book, Word Up.
Jade Warshaw
All right.
George
I'm smart like that. He's a genius. And can you confirm that you have not seen the videos we're about to watch today?
Jade Warshaw
I do not do or spend much time on the Internet.
George
Wait, a brag? Are you saying I do spend a lot of time on the Internet?
Jade Warshaw
I'm just saying usually when people are like, oh, my gosh, have you seen that meme? Or have you seen that? Usually I've never seen it, so.
George
Okay, well, you're gonna learn some things today. You ready? I just did the calculations, and I.
Gary
Literally have enough money in my bank account to last me for the rest of my life.
Jade Warshaw
And all I have to do is die right now.
Shanipoo
O. Oh, that's good.
George
That's really good. Had me in the first half. Thank you, Shanipoo, for that great content. Okay, what emotion would we label this one as?
Jade Warshaw
Despair.
George
A lot of desperation here.
Jade Warshaw
This one is tough because he's talking about a really deep issue in a funny way. Like, if we're really being honest, it's pretty dark. He's just doing it in a funny way.
George
It's kind of like a financial nihilism. This is wild cynicism that's like, well, we're all going to die. Nothing is achievable. Who cares? Yeah, he's given up hope.
Jade Warshaw
Yeah, I could see that. I personally, though, do you remember when you did Borrowed Future?
George
Yeah.
Jade Warshaw
And the guy had so much student loan debt, he was like, I feel like I'm worth more dead than alive.
George
Yes.
Jade Warshaw
That I Mean, like, that feeling of hopelessness I feel like is actually very real. I love that he showed it, but used comedy and levity to display that. But I do feel like people feel like it's hopeless and that there's no way to possibly get out. I mean, I remember when Sam and I had $280,000 of student loans. That was the feeling is, am I worth more? Like, my life insurance is literally would pay out more. You know, it's like, that's sad, but there's hope on the other side of that.
George
That's my mantra. If we don't laugh, we cry.
Jade Warshaw
Exactly.
George
And I think Shawnie poo has really taken that to heart.
Jade Warshaw
He made me laugh.
George
I wonder if he cried after the video was done. You ever laughed so hard you cry?
Jade Warshaw
I have. And have you noticed that happy tears are cold and sad tears are hot?
George
I've never even thought about that.
Jade Warshaw
Have you ever cried happy tears? I don't think I've ever. Ice cold.
George
I'm gonna be honest. I don't think I've been that happy.
Jade Warshaw
Oh, you know, sorry, George.
George
I guess the birth of my kids, there may have been a tear. That was a happy tear. That would count, right? But I never, like, checked the temp. You know what I mean? I was like, you feel it?
Jade Warshaw
You feel it?
George
62 degrees.
Jade Warshaw
Oh, man. Okay. So when my best friends paid off their debt, they came over to our house to hit the button on the last pa. I cried tears of joy for them, and they were ice cold. Or, like, when my team, like, won a championship. Cold tears.
George
But it's not because you have ice cold blood in the veins. Isn't that a thing people do? Isn't that a thing? Isn't that a basketball thing when you. Nobody watches sports in here but me. I'm tired of being the only person who watches sports.
Jade Warshaw
I watch NBA. George, calm down.
George
That was a big thing where they would, like, hold their arm and it was like ice cold veins.
Jade Warshaw
I feel.
George
Why am I teaching you?
Jade Warshaw
I. I don't know.
George
Maybe I watch too much wnba. Maybe that's why. All right, moving on to the next video.
Kayla
Almost first of the month. Time to pay my housing rent. Time to pay my TV rent. Time to pay my movie rent. Time to pay my phone rent. Time to pay my Internet rent. Time to pay my medical rent. Time to pay my phone rent. Time to pay my dog rent.
George
So good.
Jade Warshaw
Oh, my gosh. This kind of makes me mad. I think this person. Well, you know, at first I was saying that it was she was feeling pity, and she likely is. But I'm also now feeling like this is kind of like an anger. Like everything out there is screwing me, and there's nothing I can do about it. So I'm angry. And instead of using my energy from my anger to actually do something about it, I'm just going to use that energy to post snarky videos. This is like, pity party. I don't like this. I'm like, you're an adult. You're an adult. Like, if you don't want to watch tv, don't watch tv. If you don't want a phone, don't have. Like, this is just life. And. And that feeling of, like, woe is me.
George
Is that because life costs money. It's stupid.
Jade Warshaw
Nothing should cost money, and everything is somebody else's fault. Like, they're just burdening me with their stuff. And I'm like, but you asked for this in your life.
George
That's true.
Jade Warshaw
What are you saying? Everything should be free. But this type of stuff, this is not getting you anywhere. This is. I mean, I don't know.
George
Got her 270,000 likes. Got her somewhere.
Jade Warshaw
But this is the same person who, if we post, like, really helpful advice, she's like, trolling in the comments going, oh, well, if I had a husband who made $200,000 a year, I'd be doing that, too.
George
If you invest.
Jade Warshaw
Must be nice.
George
$400. Must be nice to have $400.
Jade Warshaw
This is that person. And this person is just going to be in their mom's basement not getting ahead while the rest of us go, you know what? Such is life. I'm just gonna do what I can do, and I'm gonna keep rolling.
Max
Up next, I have a confession to make, and I'm not afraid to admit it. I ordered a 16 sandwich last night. It wasn't even a special sandwich or anything, just a regular deli sandwich. And for some reason, it cost $16. You might be thinking, why would you order a 16 sandwich when you have the exact materials to just make one at home? I know, I stopped. The worst part is it was $16 before tax, so it was really like a $26 sandwich. I keep telling myself I'm going to stop, but I can't. It's not my fault that every time I make a sandwich, it sucks. Then every time I order one, it tastes good. What's wrong with me? Anyway, here's to you. $16 sandwich.
George
Oh, that's beautiful.
Jade Warshaw
Weirdly enough, I actually have seen this video before. Of all the.
George
Well, you talk a lot about food.
Jade Warshaw
Maybe that's.
George
And how much people waste on doordash and eating out. And you're encouraging people you can learn how to make good food at home. That doesn't cost a lot of money.
Jade Warshaw
Yeah, you can. That's absolutely true. I mean, he's caught up for certain in a cycle that's not working out for him. No wonder he's frustrated.
George
But he did it in a really great, sort of sad boy humor way.
Jade Warshaw
His face alone is.
George
I hope this guy goes. I hope he's going places. Max, the very good boy. He's doing okay for himself. I don't feel bad anymore. He can afford a $26 sandwich. So at the heart of this, he's feeling some guilt and shame. Number one, that he can't cook. Number two, that he spent $26 on a sandwich. When he knows better, he knows there's a more optimal way to be using his money.
Jade Warshaw
Yeah, Yeah, I think. You know what? I would call this more like a regret. Like, regret's like that first level of like, dang it, like, why did I do that? And then I feel like it's guilt when other people suffer. Like, pretend this guy's married. And now because his spending is so bad, now it's affecting his wife, his kids, and now then it's like, oh, my gosh, I feel so guilty about what I did. Then it becomes shame when he's like, I'm just a horrible person. Like, you know, when he's the person who's. He takes on the identity of that. So that's kind of an interesting trail to walk down.
George
I wonder what the emotional journey is from when you, like, you go to the doordash app and you hit order. Like, there's probably a little dopamine.
Jade Warshaw
Oh, 100%.
George
And then while. While you wait, it starts to set in. You're like, oh, gosh, what did I do?
Jade Warshaw
I think it sets you in.
George
And then dopamine comes back. When you get the food right, you.
Jade Warshaw
Take the first bite, you're like, wait, that was the first?
George
Yes. And then you finish it, and then you're sad again.
Jade Warshaw
Yeah, emotional roller coaster for sure.
George
That's how it goes. But his caption is, I'll never buy a house anyway, so who cares? Oh, some. Some humor based cynicism here of just like, yolo. I can't really achieve any big goals, so let me just waste money a little bit at a time.
Jade Warshaw
I hate this, though, because it's just. I mean, obviously the more you fill Your brain, whatever you fill your brain with, you start to believe even, like, something that's funny. Like this. And it's supposed to make us laugh. If this is your account and this is what you're watching all day, it will get inside of you. Like that cynicism of meh. I can never happen. Yeah, yeah.
George
You gotta be careful on the flip side. I love this comment here. This is super funny to me, as every time I make a sandwich at home, my husband says, you just made a $16 sandwich.
Jade Warshaw
Facts.
George
Flip the script.
Jade Warshaw
Yeah.
George
That's impressive.
Jade Warshaw
That's my husband. At night, I'm usually the one that cooks. And he almost always puts a price tag, like at a restaurant. Jade, at a restaurant, you could charge $27 for that.
George
Wow. He's hyping you up.
Jade Warshaw
Well, he's telling the truth.
George
Find you a hype man like Sam Warshaw. Sometimes I don't know why it's. I call Sam just to hype me up.
Jade Warshaw
Do you?
George
Yeah. Like, bro, that's a $28 grilled cheese you just made. Gluten free bread. That'll cost you. Let's move on, shall we?
Shanipoo
Yeah.
Kayla
Today is one of those days.
Jade Warshaw
I am a lot in debt, And I don't make enough money for me.
Kayla
To be in this much debt.
George
Real talk, real talk from Kayla over here. That silence said more than her words did. You felt that silence? Mm. Do you remember feeling that way when you were, you know, half a million dollar in debt, not making enough? She said, I don't make enough money to be in this much debt.
Jade Warshaw
Yeah, 100%. I was hoping she was gonna tell us what her income was, but, I mean, I. When Sam and I, we had 460,000, and when we figured out the fact that we needed to pay off our debt, we were making 30,000. So that is a real moment when.
George
You finally do some of the math and look at the reality and you're like, the math is not mathing. And now I feel hopeless.
Jade Warshaw
I stopped midway through on the math because I was like, this is. If I see this full number today, I will give up.
George
And I remember it's too overwhelming.
Jade Warshaw
Yeah. Like we were going through a workbook, total money makeover, and I stopped. Cause it was like, too much. And it wasn't until later that I went back and filled it all in and realized how much it was. And even though we tell people, like, lay out all your numbers. If I had laid out the numbers 100%, we would have given up. We would have just been like, Forget it. It's impossible.
George
Yeah. And there's a lot of fear here where she's realizing, will I ever get out of this? That's really the question she's asking. Or even deciding I'll never get out of this.
Jade Warshaw
Yeah. Yeah. The fear is, can anything work for me? Is there any hope?
George
That's a palpable feeling. So thank you for sharing that. All right, moving on.
Shanipoo
No, because, like, it's really getting to a point. It's really getting to a point. Every time you leave your house, $50, pay by purchase. Payment, payment, payment. Gotta buy books, gotta pay rent. You look, you look up. You out of toothpaste, the next day you go get toothpaste. You out of soap, you go buy soap. Now you out of deodorant, you looked at it, your gas tank, and you only have five miles left. Oh, the first is Monday. The first is Monday. It was just the first. It was just the first. He got himself to come down and hand me 30 bands right now. Like, this life. And then, and then, and then, and then it wanted to do all of this when we. When. When I become the adult, when I'm a grown up. Because I could have sworn back when I was 12, my mama was buying houses for $6. Like grandma. Them paid 50 cents for their house, their down payment.
Jade Warshaw
Oh, wow. My dog. My dog is Lish. My dog. I love it.
George
First comment, valid crash out. I feel you, Mom.
Jade Warshaw
Honestly, honestly, listen, 100%. She never lied. There is no lies.
George
No lies told zero lies. She ate no crumbs. I think they're still saying that.
Jade Warshaw
Yeah.
George
I love it. Yeah. There's a lot of truth to that. It feels like it's one thing after another, and you're just reacting to all the things life's throwing at you. And it feels so hard to get above that and become proactive, to be like, hmm, we are about to run out of toothpaste and deodorant. Let me go ahead. And it just feels like you do one thing, and there's another thing to do, another thing to do, and then your gas tank's empty, and then the H Vac goes out, and then your kid's sick. Like, how do you deal with that when it comes to money?
Jade Warshaw
I mean, she's clearly angry. Like, she's clearly mad about it. And I get it. I think there's a lot to be mad about. The cost of living is outrageous, George. You and I know that. Inflation's crazy, real estate's crazy. She mentioned that. Obviously, Wages aren't keeping up. So there is a lot of external factors out there that people have the right to be angry at. But again, I think there's a moment and I even talk about this in my book. There's a moment to do exactly what she's doing, which is just like going crazy.
George
That's the I've had it moment.
Jade Warshaw
Yeah, that's the I've had it. That's the like shaking your fist at the heavens.
George
She said she wants God to come down and give her 30 bands. I don't know how much a band is because I am not.
Jade Warshaw
I think It's a grand.
George
$30,000?
Jade Warshaw
Yeah. Feels like a lot. Is that right? It's $1,000, right? A band? Yeah.
George
It's asking for a lot. And a lump sum from God.
Jade Warshaw
Listen, that 30,000, that's probably just her car note alone. Like, that's just probably her car alone. That's not even her student loans. That's not even her credit card sunroof.
George
It's a pretty nice car if it has a sunroof.
Shanipoo
Just saying.
George
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Unknown Instagram User
I'm financially at a point where I understand why people commit fraud. Okay, like, I get it now. I'm not saying I'm going to do it, but I get it because I work over 40 hours a week and somehow still can't afford to add guacamole to my order. Meanwhile, some dude in Miami who can barely read books without pictures in them, you know, just bought a yacht with a fake LLC and good wi fi. All right, I'm looking at my paycheck like, you know, taxes, bills, rent. Cool. I guess I'll just live off hope and leftovers from when I visit my mother's house.
Jade Warshaw
All right?
Unknown Instagram User
And then I see someone on Instagram in Bora Bora with no job history and three Rolexes. So at this point, crime doesn't look so bad. Okay, honestly, if you expect me to stay ethical While eggs are $6 a carton, you're asking a lot out of me, okay? I shouldn't have to choose between paying rent and having teeth. All right, look, it's society's fault. The government takes half my check, the landlord takes the other half, and Netflix still wants $15.
George
Okay?
Unknown Instagram User
So, yeah, fraud is starting to look like self care. All right, so I get it. Fraud is wrong. But so is making me pay $300 a month to park on the street in front of my house.
George
Oh, that's good. Very relatable. I like his style. He's got some reasons.
Jade Warshaw
He's funny. Yeah, he's funny.
George
He's living off hope and leftovers. He's saying, well, the government takes half my money. The landlord takes the other half. His life's out of whack if he's paying a 50% tax rate and half of his income, take home pay is going to rent. But I do agree that 300 bucks for parking in a street does feel like highway robbery.
Jade Warshaw
Yeah, that's a lot. That's a lot.
George
That's big city living.
Jade Warshaw
I was gonna say he's living in a city. Clearly, choices. Yeah, I mean, again, I'm just seeing a lot of, like this pointing out. There's a lot of pointing out. There's a lot of comparison. I'm looking at this person's life, this person's life, this person's life, and it's just kind of. It's an, I deserve. I deserve better. I deserve what he has. He doesn't Deserve what he has. Do I really deserve this? Like, it's all of that.
George
Well, this comment really sums it up. I can't afford to be poor. Being poor is expensive. That's a true statement.
Jade Warshaw
Absolutely. Being poor is expensive.
George
Like, everything costs more.
Jade Warshaw
Everything costs more. And you have the late fees and you have.
George
You're doing things out of desperation and struggle. You can't get ahead of things. You can't do maintenance and you can't get proper high quality goods. So you're just always just trying to scrape by to get to the. The next thing. To get to the next.
Jade Warshaw
And if you're a person who borrows money, you're borrowing at a higher rate. Like, everything is more expensive.
George
But it is true. There's a. Also, the other side that he's talking about is this weird flex where you're like, what do these people do that are living these crazy high lifestyles? And here's an idea that are probably criminals.
Jade Warshaw
I mean, I guess, but how about asking, like, why not ask questions for folks? Like, the way I grew up, it's like, if you see somebody who's wearing a suit and it looks like they're going to a job and it looks like they're making money, ask them what they do. Why not that instead of then going home and being like, what are. People are doing this? And this guy's got two Rolexes. I'm like, man, just be like, hey, what do you do for a living? What degree did you need to get that? Who helped you with your business plan? Like, can we try that?
George
It's a good word. Good word. As we move through, let's see if we can find some acceptance.
Jade Warshaw
All right.
George
Being financially comfortable is enough for me. I don't have to be the richest. I just want to always be able to eat what I want, go where I want, pay my bills on time and live a good life. There's some acceptance there. She's going, I don't need the most. Yeah, I just want to be able to survive. Plus some. Okay, now live a good life. That's a big question mark. What that means go where I want. Is that Bora Bora or is that to work? You know, we need some more details here.
Jade Warshaw
Right, right, right.
George
Eat what I want. Is that fine dining or is it what's in your hand? Which is the opposite of fine dining?
Jade Warshaw
I mean, I think she's saying she's okay with her life as it is. Like, she's all right with her income. She's all right with what her Income affords her. I think that's great. You know, like, we say it all the time. Depending on what you sign up to do in life, you might be. It might mean you have to be okay with, like, the Camry lifestyle. Like, I always drive a 10 year old Camry. That's fine. Great. Love that.
George
Do you guys want her eating McDonald's?
Jade Warshaw
I mean, from a gut standpoint. Yes. I want her from a microbiome.
George
Well, it's just funny seeing it. Live a good life. And then right below that is her eating what I think is going to destroy her small intestines 100%.
Jade Warshaw
I think she's just like, hey, I'm content. I am so content. And I'm not mad at that. I'm not mad at that one bit.
George
What do you feel about people eating in their cars? Is there a certain level of sadness to it? Like a mall food court? You know, you ever just look at a mall food court and go, this is sad. This is not what the Lord intended.
Jade Warshaw
If I see somebody eating alone in their car and they've like, they're not where the other cars are parked, but.
George
They'Re kind of like they're intentionally trying to escape.
Jade Warshaw
Something's happened.
George
Yeah.
Jade Warshaw
Something has taken place because, like, good for them.
George
They need a little break. You know what I mean? But then part of me is, like, sad for them.
Jade Warshaw
Yeah. Oh, and if you, like, just stick a head in the window to smell the smell. It's not good.
George
Yeah, it's not good. I can tell a lot about you.
Jade Warshaw
Windows up. You're eating a burger in your car with the windows up.
George
If you have, like, multiple days of fast food trash in your backseat, seek counseling.
Jade Warshaw
Is your car clean?
George
Yes. If I leave. This is my. My wife loves to leave me goodies and, you know, trash. When every time I get in my car and she was driving it, I'm like, cool. Who knows how old this is? Appreciate the rappers. When I leave my car, everything comes with me.
Jade Warshaw
I don't really eat in my car. I drink in my car. Coffee.
George
That's risky. All right, Jade, as is tradition, producer Alex has given me a surprise video that may or may not be helpful to us or society.
Jade Warshaw
Got you.
George
We're gonna watch it. But first, I'm so excited because as of the release of this episode, you have released your newest book, what no One Tells yous About Money.
Jade Warshaw
This book is truly for people who, like, kind of like the video that we watched earlier where the girl, she had tears in her eyes, just didn't Know if she was gonna be able to make it. This is for that person, because I know how that feels. This is for the person who's tried and given up. This is for the person who's wondered if they need to divorce their spouse because their spouse is tripping. This is the person who is so angry at the system because they did everything right. They took out the student loans, they got the car, they bought the house. Life is still not lifing right. This is for that person.
George
I love it. Well, we'll be sure to put a link to this book in the description. Go get a copy. It will help you through this emotional rollercoaster that is life and finances. So really proud of you. This is a fantastic read. Here we go. Man quickly realizes $80,000 humanoid robot wasn't worth.
Shanipoo
Oh, what are you doing?
Gary
That's my mirror. What are you doing?
George
Just froze the mirror.
Gary
One of your units just ran into my mirror and is causing damage.
Jade Warshaw
Is this fake?
Gary
It's not gonna work.
George
Oh.
Gary
Oh, my God.
Shanipoo
Oh, my gosh.
Gary
My wall is slightly damaged. The robot is going rogue. Let's say that I'm an 8 year old and it's just me and Terminator 12,000 in here. Would I be able to get away from it?
Jade Warshaw
No.
Gary
Does it see me?
George
It's looking right at you, Gary.
Shanipoo
Oh, my gosh.
Gary
Testing the robot in residential applications to see if it's safe.
George
Is so frightening. Whoa.
Jade Warshaw
This is making me sick to my stomach. This is.
George
Cook me a meal.
Gary
I need protein. Needs to be healthy. It's a gas stove.
George
Be careful. No, don't let it cook. Don't let it cook. Don't let it cook.
Jade Warshaw
Stupid idiot.
Gary
All right, cook a meal. No, no, no, no, no, no, no, no, no, no. That's a wave.
Shanipoo
It's like a child.
Jade Warshaw
A weird.
George
Gonna start a house fire in the meal.
Jade Warshaw
I'm gonna.
Gary
I'm gonna go out in here and play Fortnite.
Jade Warshaw
Okay.
George
Oh, no, don't dump it. Oh, that's hot, that's hot, that's hot.
Shanipoo
All I do is clean up after you, Daddy. Shut it off.
George
Somebody shut it off. Oh, my goodness. Now we're gonna do the burglary test. Oh, get back.
Gary
I'm very curious. If the robot can bust through the door in my house, there's no way.
George
He has a landlord. There's no way. Change your mind again. Genuinely.
Gary
If this is a robot or human, I'm actually putting way more money on the robot.
Max
Coming through.
Jade Warshaw
Oh, my gosh.
George
Break it in. Oh, right through.
Shanipoo
Oh, my gosh.
Jade Warshaw
That this is so much anxiety, so disturbing.
George
Oh my gosh. It's like living with the most powerful toddler of all time.
Jade Warshaw
The way it walks makes me sick to my stomach. Like, the way it, like, it's got like, Annabelle energy. I do not like it.
George
I would unleash this on my worst enemy, but I don't want it in my own home. Personally.
Jade Warshaw
There's something really.
George
Is that real? That can't be real. And there's no way that this guy is renting.
Jade Warshaw
I don't know what he's doing. I don't know.
George
He's going to jail. He's going to jail.
Jade Warshaw
Oh my gosh.
George
Send the robot with it. Okay, that's enough brain rot for one day.
Jade Warshaw
Oh my God. I will never.
George
Thanks again to Jade for sitting in the hot seat today. If you want to grab a copy of her new book, what no one tells you about money, the link is in the description. And if you like this video, there's more where that came from. Click here to watch my interview with Jade where she unpacks how she and her husband Sam paid off 460,000 plus worth of debt. I'll also leave a link down in the description below. Be sure to hit like share this video and subscribe to the channel. And the emotion I feel when you do that.
Jade Warshaw
Grateful.
George
Thanks for watching. We'll see you next time.
Host: George Kamel (Ramsey Network)
Guest: Jade Warshaw
Release Date: January 5, 2026
In this energetic and hilarious episode, George Kamel and fellow Ramsey personality Jade Warshaw dive into the wild world of financial TikTok and Instagram. They react in real time to viral videos that capture the raw emotions people experience with money—ranging from despair, anger, and guilt, to resignation and acceptance. With her signature candor and humor, Jade brings perspective from her own journey through six figures of debt, and the pair dissect the emotional roller coaster behind everyday financial struggles. The goal: bust money myths, debunk social media nonsense, and remind listeners that behind every post and meme is a very real feeling.
The entire episode is fast-paced, irreverent, and peppered with snark, but always returns to messages of hope, responsibility, and practical advice. George and Jade keep things lighthearted even when discussing dark or painful realities, demonstrating how humor and honesty can both support real financial change.
This episode provides a rapid-fire, relatable look at the true emotions behind our money decisions. Whether you’re feeling cynical, tired, stuck, or merely looking to laugh at wild financial advice on TikTok, George and Jade assure you: you are not alone, and there is hope—and help—on the other side.