Loading summary
A
I have seen some truly bonkers wealth building advice on the Internet over the years, but apparently I haven't seen it all. So today I'm reacting to more tiktoks full of people whose tips for getting rich are more woo woo than making a crystal grid while reading your horoscope and balancing your chakra, whatever that means. So without further ado, let's hop into the madness.
B
I'm done gatekeeping. Here's the one affirmation you're gonna use to get rich in 2023. Promise you you're gonna love it when you hear it. Say this out loud for 21 days. Watch how rich you become. I get paid to exist. I get paid to exist. My existence pays for itself. This affirmation is how I started making guap.
A
Just so for 21 days, I tell myself, I get paid to exist, y'. All. Please, someone try this and report back as you're being evicted and your car repoed, because I think she missed the part where you have to like add value to someone's life, a company, or if you're a business owner, the customers and then they reward you with something called money. It's got like presidents faces on it and you can use that to like pay your bills. So does your existence pay for itself? I guess if you make hot garbage on TikTok, you can make money from that. Does she sell an online course? She has a stan store slash hot high priestess. I don't like anything about this, whatever demonic thing you're going after. I rebuke it. All right? In the name of the Father, the Son and the Holy Spirit. Manifest magic workshop. Only $222. So apparently you can't just exist. You have to launch a scammy online course in order to exist. Got it. Enough of that. I don't even want to look at this on a work laptop. I gotta call it and tell them, I did this for the YouTub. Let's keep it going. That was a strong start.
C
If I didn't have a dollar in my account right here today as we speak, I'm gonna be straight for the rest of my life. No question, right? I don't think everybody is in that. And when you've sacrificed your whole life to get here and you're like, Yeah, I played 10 years in the league and I always explain this to people. I'm like, bro, you give somebody a five year, $100 million contract, right? What is it really? It's five years for 60. You're getting taxed. Do the math. That's 12 a year. You know that you have to spend, use, save, save, invest, flaunt, whatever. However, just being real, I'mma buy a car, I'm, give my mom a house, I'm going to do. Everything costs money. So if you spending $4 million a year, that's really 40 million over five years, eight a year, you know, and now you start breaking down the numbers. It's like that's a five year span of where you're getting. Amen. Can you make that last forever? And you always hear the people who ain't us and ain't been in the position like, oh well, that would last like that.
A
Okay, wow. Oh, OBJ. Odell Beckham Jr. And you guys say, I'm out of touch. Did you hear this? I don't, I can't even follow the math of it. He's like, well, five years, 100 million. That's 12 million. That's 4 million. 40 over 8. Carry the 2. And you're broke, bro. You're broke. You might as well go bankrupt if you can't make it work on 12 mil. How much? This is just lifestyle creep on steroids, okay? Cause here's the truth with athletes. They are really good at spending money and a lot of them didn't have money before and now all of a sudden someone just threw a ton of wealth at them and they go, well, I guess I gotta buy every single person in my life everything they've ever wanted and spend all of this money instead of doing the wise thing, which is keep living a relatively normal lifestyle and invest the. And it will create so much income that you won't ever have to work again. But in this case, I think our friend Odell here is going to be working a long time and he's going to have to keep up this fancy lifestyle and keep up all the bills that go along with it.
D
No, no.
A
But do I have any pity? No, zero pity. I just want to see if the comments are agreeing with me. Rich people crying is crazy to me. That's good. Yeah. How would he be if he had 60k like a regular person? That's the truth. Give me a reality show where we take super amazing athletes who get paid a lot of money and they have to live a normal person's life and make it on 60k and see what their lifestyle would be. See if they go into crippling debt to try to keep it up or see if they go, you know what, I'm going to buy a used Camry and live in an Apartment Like a normal person that was on the other side of the spectrum from old hot high priestess over there. All right, let's see if we can find something in between. Somebody whose cornbread is down in the middle. We'll find out.
E
I'm gonna hypnotize you to become a millionaire. This is a very powerful hypnotizing warning. Works fast, so I don't want you. Okay.
A
I'm gonna try to get hypnotized.
E
You are ready to become a millionaire, so go ahead.
A
No, I'm ready. I'm ready to be a millionaire.
E
Okay, just allow your eyes to close.
A
Okay. Eyes closed.
E
And as your eyes close, you might notice yourself relaxing easily and effortlessly.
A
I've never been relaxed easily or effortlessly.
F
Thank you.
E
You're deciding to allow yourself to relax and go. Even noticing the more you hear my voice, the more relaxed you become. Okay, and now I want you to notice relaxation. Starting at the top of your forehead, flowing down through your face.
A
You feel right here.
E
You feel all the little frown lines and worry lines in your forehead.
A
I don't have any worry lines.
E
Feeling relaxation move down through your cheekbones.
A
I don't really have cheekbones.
E
The bottom of your jaw. You feel it flow through your neck, over your shoulders to spread through your torso, relaxing you, vertebrae by vertebrae.
A
Vertebrae.
E
Noticing just how effortlessly you're allowing yourself to relax. Whenever you are ready to become a millionaire.
A
Okay, now we're getting back to you.
E
To see you and me standing at the top of a flight of five stairs, covered in your favorite color.
A
Five stairs covered in my favorite color. Okay.
E
And each numeral will take deeper and deeper. Julia, if that's all right with you, please nod your head.
A
Now, back to the money part.
E
That the more you imagine and see yourself as a millionaire. Okay, just imagine the more limiting beliefs and blocks you're going to release.
A
Great.
E
And in this space, I want you to imagine yourself as a millionaire.
A
What does that even mean? Like, imagine I have a million dollars.
E
In a bank account. Notice what you're wearing, what clothes you have on.
A
Probably the same clothes that I'm wearing now.
E
And if you just pay attention, you can hear the sound of your blood rushing through your veins. No.
A
Why would I hear the sound of my blood rushing through my veins?
E
What is millionaire blood inside your body?
A
Is that a different kind of blood? Your blood doesn't change just because your net worth increased.
E
You're a millionaire. Imagine yourself speaking so positively.
A
Okay, so millionaires speak positively. And until then, you speak negatively, apparently.
E
Notice how whatever you do works, and you are Thriving abundantly. Okay, take a moment to integrate these changes at the deepest.
A
You're just using $10 words now, knowing.
E
That they are reality.
A
What changes?
E
Seeing your new friends.
A
What did I do?
E
Opportunities and experiences around you.
A
I have new friends too.
E
Allowing those limiting.
A
Where did the new friends come from? What happened to the old friends? Oh, they no longer serve me, I guess.
E
Knowing that you will bring all of these back with you.
A
Oh, my gosh.
E
As you notice the place where you last left your conscious mind at the count of five.
A
Whoa, whoa. She's talking fast now. This is how they get you to wake up.
E
2, 3, 4, 5. Coming back to the present. Eyes opening. Feeling incredible.
A
Oh, my gosh.
E
You guys let me know in the comments what you saw, okay? If you want my help.
A
Oh, my gosh. Now I want to know what the comments saw. I saw me, Finn, living in a beautiful cottage in the woods and had nice pretty friends. Said Fenny Fairy. I think Feny Fairy's already living in the woods in her mind. Wow, that was really good. I really felt hypnotized. Okay. Me and my family living the life of our higher self with no harm done to any species. What harm were you doing to species before this? I saw my kids and I in a beautiful green garden with a large, beautiful home and deck. Okay, you can have a garden now. I don't know why you need to wait.
E
You.
A
I mean, you can go to Home Depot and start a garden today. Saw myself counting money with an all white outfit, white headband, brown sandies, a brown purse and sunglasses. I had long straight extensions and what was about to go eat seafood that took a turn. I am. I am done with Julia. And how that has 72,000 likes is beyond me. But she's here. This is what she does. I rewire your subconscious so you can scale to millions and become a world maker. I don't like any of that. What is a world maker? Not interested in learning. And for those reasons, I'm out. This is Shark Tank, but for hot garbage on the Internet. I'm gonna just shake the hypnosis off of that one. Didn't like that at all. I can feel every vertebrae still and the blood coursing through my veins, which I didn't know was a thing. I wanted to know.
G
What's good, bro?
A
Happy Monday.
G
Are we going out? Tonight we celebrate. Celebrating what, bro? I just got a job. Eastern Southern Western Mutual, bro.
A
Yeah, bro.
G
Selling life insurance, bro. Guess how much you're making. What's the base salary? Technically, $0. But I think I can make anywhere from like, 40k to, like, 400k. So, like, I'm gonna do 400k. I think I can make even more than that.
C
Yeah.
G
Like, no offense. Like, how much is your base salary? It's only 120k.
A
Yeah.
G
You don't make commission, right? No, I'm just kidding. Like, that's not bad, bro. But, like, I'd rather do what I do. It's like, straight commission, bro. Like, did you work super hard? I like, bro. Met a bunch of bros on the team, bro. They're mad smart. They were all communications majors in college. They were in France in college. They have, like, 2.8 GPAs. Like, just like me, bro. But yeah, bro, so I've been, like, making, like, an incentive to, like, spend money and work harder, bro. Already bought this golf set and it was only like, 4K. Finances as well. Bought this dog as well. Oh, my God, like 6K too. So, yeah, bro. Basically just going to work super hard.
A
Not with the golf swing indoors.
G
Like, God, every single day. Look, bro. Mad N Golf. Something wrong with this call. Oh, it's a righty set. I am a lefty.
A
Whatever, bro.
G
It's only 4K.
A
I don't care. Oh, my gosh, the accuracy. Why is it every young guy out of college who, like, doesn't know what they want to do goes into selling life insurance to all of his college buddies to scam them into making a commission, which is what this represents very accurately. A lot of bro, bro iness here.
D
Bro, bro, bro.
A
Anyone who doesn't think it's a pyramid scheme, this comment sums it up. It's not a pyramid scheme. You just get two friends and they get two friends and so on. So that's what's happening. And I don't want to call out any specific company but Northwestern Mutual. If you know anybody who is a young man who works for Northwestern Mutual, block him from your phone because he's about to call you with an opportunity to build wealth through an insurance policy, otherwise known as whole life, permanent life. You name it. It's a scam. Hard pass, and I don't know why, but they all are cut from the same cloth. And it's a cloth. I don't. I don't like. I prefer 100% fabrics. And this guy is. He's. He's giving polyester. That's all I'm going to say. All right, we'll get back to these garbage clips in just a second. But first, how much would you pay someone to scrub your personal information? Off of the Internet. You know your address, your phone number, that pic you posted in college wearing a wetsuit? Well, that's exactly what you'll get by signing up for Delete Me, a sponsor of today's video. They can't make the world forget about your embarrassing college photo, but they can scour through hundreds of data broker sites to make sure your personal data gets removed. What you uploaded to your own personal Facebook, that's your business. And here's the deal. It won't cost you a small fortune to get this service. You can get started for 20% off their annual plans, which comes out to around nine bucks a month. Just go to JoinDeleteMe.com George or use the link in the description below. And while we're on the topic of embarrassing college photos, allow me to be brave and show you one of mine. Now, why is this embarrassing, you ask? Well, for a thousand reasons. Namely, because I uploaded this to my personal Facebook. And number two, because that hoodie definitely did not come from Cozy Earth, another sponsor of today's video. Cozy Earth's hoodies are unbelievably soft, along with literally everything else they make. I'm talking joggers, socks, bedsheets, towels, the whole gamut. And not only is it soft, but it's stylish, too. You're gonna want the world to see pictures of you wearing Cozy Earth. And right now, they're offering my audience 20% off. When you go to cozyearth.com george and use the promo code George at checkout, you can also use the link in the description below. All right, let's dive back into the deep end.
H
If you got expensive taste, it's because God knows you can afford it. Have you ever noticed that everything you're drawn to in life somehow turns out to be the most expensive option? The hotel that you like, the car that you want, even the random chair that you just put picked up in a store. It's always the randomly picking up chairs. And you laugh like, why me? But what if it's not an accident? What if expensive taste is God showing you?
A
No, no, no, no, no, no, no. Don't bring God into it.
H
You're never meant for average, never meant for cheap. Your spirit recognizes quality before your bank account catches up. That is not a burden. That is a clue. Because desire is direction. If luxury calls to you, it's not to tease you. It's to train you. You don't need to change your taste to fit your income. You need to raise your income to match your taste. Expensive taste isn't the problem. It's a prophecy.
A
Okay, she really. She must have went to alliteration school because she is good with the words. Like, take her to slam poetry night, she will cr.
H
Your spirit recognizes quality before your bank account catches up. You don't need to change your taste to fit your income. You need to raise your income to match your taste.
A
And the only thing I agree with was at the end is you're gonna need to raise your income if you want to keep up with a very expensive lifestyle, an expensive taste. But everything else she said and the fact that she brought God into it, well, God wants you to have expensive things and be rich, and you just need to manifest it and rise. Desire is direction. What the crap was all that about? I gotta. Are people agreeing with this? Cause this really. I'm losing hope in humanity by the second because this has way too many likes. Which means people saw this video and went, hmm, 27,000 saves. They went. I want to watch that again later. That was good advice right there. All right, let me see what the people are saying about this. Don't change your taste. Taste your change. What? He who questions training only trains himself at asking questions. God is not materialistic. He wants you to give it all up for him. Okay, there was someone with some common sense there. This is how Delulu I am. Thank you for your honesty. I love her. Watch. This is me. And people think I'm just a spender and don't save. I think you're just a spender and don't save. Deborah. What? Claiming this rich life. Amen. Amen. Amen. It's definitely not an accident. Oh, my gosh. Someone said, I kind of like this idea. God likes me to have expensive stuff. Guys. It is no wonder that people are broke and stressed out to their eyeballs. Cause they watch trash like this, they go, well, I guess my bank account just needs to catch up, so I'll go ahead and finance it for now. But bank account, you've got some work to do catching up. Because I got nice taste. So keep up, bud. Yikes. Is this a real per. Like, was she on a real podcast that someone invited her onto or was this a fake? I think people are doing fake podcasts just to clip out trash like this. That's my guess. Build your brand, monetize or repeat the brand code. I just like to see what these people are all about. It's very telling. She is the brand code. Wait list. What is the brand code? Build an unbreakable brand, get 40 of my proven strategies that generate over a million dollars per month for my brand. I hope she's lying. If. If anybody is paying her a million dollars a month through brand brand deals, customers like, you're all getting scammed. I want you to know that. All right, enough of that. Before her lawyers come after me, which I will just manifest them away.
D
Kill the lawyer.
F
I am about to say, see a dramatic increase in my finances. Who's gonna pick up all that leisure with ease? I am manifesting financial freedom. Wealth is my birthright.
A
Oh, no. Oh, this is just random B roll. This isn't even a real person or account. Look, I attract wealth, luxury, and leisure. I wish you would attract a comma. Like, can we get some puncture? Can we buy a comma in here? I attract wealth, luxury, and leisure with ease. Okay, I'm manifesting financial freedom. Got it. Wealth is my birthright. Well, unless you're entitled to a trust fund, I don't think so, sister. Please tell me people aren't. Oh, my gosh. I claim this energy. Claiming, claim, claim. Does it say comment claim to get my free course? It doesn't. People are just saying claim. Guys, I did not know there was, like, a whole subculture of woo woo idiots on the Internet just watching these, because guess what happens. The algorithm goes, oh, you like hot garbage. There's more where that came from. So all they get in their feeds is more of this woo woo crap telling them they can just manifest their wealth instead of, I don't know, taking all this time they spent watching videos and go get a job that gives you a paycheck. And then you can have wealth instead of hope for it. One man's take. But who am I to yuck your yum? All right, all right. Let's do one more. Rich kid tries to buy whole parmesan or cheese. What are you doing?
D
Better buy this coffee.
G
What are you gonna do with it?
A
Oh, this guy's not having it.
G
What are you gonna do with it?
D
Eat it.
G
Eat it?
A
The whole thing? Yes. Why is it.
D
Can I not sell you a chunk?
A
I can sell you a chunk because I say so.
D
You're the owner?
A
Yes. Oh, it's almost $2,000.
G
But what are you gonna do with it?
D
I know it's $2,000.
A
He doesn't want wasted cheese. I respect this guy.
D
Don't let me buy the parmesan of your can. Why not here?
A
Not here, my friend. Oh, no way. See, it's too heavy. Too heavy. See? Too heavy. That was his whole argument. It's Too heavy. Not that it's too much cheese for one man. This is what, this is what the Internet has come to. And here's the problem. This guy got exactly what he wanted, which was a bajillion views on him trolling this sweet shop owner because he wanted to buy some cheese as a flex for a TikTok video.
C
It's a weird flex, but sure, yeah.
A
The comments here, I didn't realize you needed to state your intentions when buying food. He raised that cheese from birth. He wants it to go to the right family. Oh, I just like, I like that there's men out there who have some respect for cheese, some class when it comes to dairy, alright? They're not out here trying to let some TikTok riff raffer go take some cheese to go do who knows what with. Drop it off a building to make another video to get some viral views out of it. Just let the man buy cheese. What are you gonna do? What are you gonna do with it? It's a skit. No American businessman will turn down a big sale. That's the respect. If this is a true story, this guy turned down $2,000. Now I don't know how much of that is profit, but he turned down a big sale that day to avoid getting scammed by this tiktoker. And you know what? That tiktoker will not be back. He knows better than to mess with my boy. TheEuropean kid 21 is in his account. Of course, he's shirtless in his profile pic. All right, my favorite comment here. We can't let Big Parma win. Perfection. I think we could do worse than letting Big Parma win, to be honest. But I appreciate the pun there. Very nice. All right, as per usual, producer Alex has given me a bonus video to react to and all he said was try not to cringe. But before we get to that, let me tell you something that never makes me cringe and that's Boost Mobile. They're a sponsor of today's episode and here's what I love about them. They charge you the perfect amount for your phone plan, not too much, not too little. 25 bucks a month for their unlimited everything plan which includes unlimited talk text data. So you get quality service just like the big name carriers for a fraction of the price. And it's not some bait and switch to get you in the door so they can raise the rate later. No, that $25 price tag is not promotional. It's just who they are. It is locked forever. And if you ever do decide to change your. You can. There's no contract required. And right now you can get 10 bucks off your first three months of the unlimited plan@boostmobile.com Ramsey or just click the link in the description below. All right, let's get to the probably Cringe video. You can take everything I have. No, no, no. Oh, seeing his face just made it worse. It sounded beautiful. Demi is a great actor because she acted like that wasn't horrific. Is he trolling what do you think it sounded beautiful? Or is he just a theater kid being authentically himself? I'm not sure what's worse. That's not even a natural color in society. Why did he choose that for his hair? Her face. I'm dying. She looks scared. Demi's sister in the background laughing. I wish I have that confidence. She was lying to you, bro. Demi with her corporate laugh. Oh, oh, she got that Wallace and Gromit smile that Millie pulled. I cringe. I cringe on her behalf. I feel bad for Demi that she. Security should have stopped that guy before he got another Whatever this little trill he's doing. What in the SpongeBob voice was that? It was wild, dude. All right, I need a mental health break, but if you can stomach more of this, there's plenty more where that came from because I recently reacted to an onslaught of tiktoks featuring people coming to grips with the cost of living alongside my friend and Smart Money Happy Hour co host Rachel Cruz. So click here to watch that next or use the link in the description. That's it for today. Be sure to hit like on this video. Subscribe to the channel if you haven't already and share it with a friend who could use some cringe. Thanks for watching. We'll see you next time.
Host: George Kamel (Ramsey Network)
Episode Release: January 21, 2026
In this riotously honest episode, personal finance expert George Kamel brings his signature mix of humor and financial wisdom to the table as he reacts to an array of viral and “insane” TikToks about money. George debunks popular internet “get rich” schemes, mystical affirmations, and financial advice that ranges from hilariously misguided to potentially harmful. Through live reactions, sharp commentary, and direct engagement with TikTok content and its comment sections, George exposes money myths, offers real-world advice, and delivers a much-needed reality check—peppered with pop culture, snark, and actual laughs.
[00:24–01:02]
[02:06–04:53]
[04:53–09:27]
[09:27–10:43]
[12:48–16:48]
[16:48–18:22]
[18:22–19:19]
[19:19–End]
“Please, someone try this and report back as you're being evicted and your car repoed… because I think she missed the part where you have to like add value to someone's life...”
(George, 00:50)
“He's like, well, five years, 100 million. That's 12 million. That's 4 million. 40 over 8. Carry the 2. And you're broke, bro.”
(George, 03:08)
“Anyone who doesn’t think it’s a pyramid scheme, this comment sums it up: It’s not a pyramid scheme. You just get two friends and they get two friends and so on.”
(George, 10:41)
“God wants you to have expensive things and be rich, and you just need to manifest it and rise. Desire is direction. What the crap was all that about?”
(George, 14:18)
“Guys. It is no wonder that people are broke and stressed out to their eyeballs. Cause they watch trash like this, they go, well, I guess my bank account just needs to catch up, so I’ll go ahead and finance it for now. But bank account, you’ve got some work to do catching up.”
(George, 15:18)
“I wish you would attract a comma. Like, can we get some puncture? Can we buy a comma in here?”
(George, 17:05)
“I like that there’s men out there who have some respect for cheese, some class when it comes to dairy, alright? They’re not out here trying to let some TikTok riff raffer go take some cheese...”
(George, 19:21)
George maintains a playful, skeptical, and deeply relatable tone, poking fun at both TikTok creators and the audiences who take such advice seriously. His commentary is imbued with analogies, pop culture references (“Shark Tank, but for hot garbage on the Internet”), and a side of gentle reality checks. Highlights include his mock participation in viral trends, love for well-crafted puns, and commitment to real financial literacy.
If you’re new to George Kamel or Ramsey Network, expect myth-busting, pragmatic advice, and unfiltered takes on the personal finance social media landscape. This episode is a must-listen (or read!) for anyone overwhelmed by money drama online and in need of both a laugh and a nudge back to financial common sense.