George Kamel

I like that.

But the financial system right now, I feel like it's designed to keep people in debt between credit cards, loans, and the buy now, pay later offers.

What would you say then is the biggest debt trap that people are falling into right now?

For someone who has been in credit card debt, student loan debt, deferred their debts for later dates for a long time,

And that has been their identity based on their behaviors.

How do they shift their identity overnight or over time to be a completely different identity and not be a person who goes into debt?

Because it's a behavior.

It's a mindset that they've had that they've embodied.

Maybe it wasn't by choice originally.

Maybe they made a poor decision financially and it just snowballed the wrong way.

But because of that action or that circumstance, it has become their identity.

How do they shift the internal identity first so that they stop making those choices externally?

One of our team members here is a younger team member.

He doesn't have a car yet, and he lives very close, and he walks here, and he's like, I'm thinking about getting a car.

I go...

know do what you want but don't get a car for as long as you can because you can walk or take the subway or the bus and just invest that money at 23 24 25 like i get it you might need a car eventually to be able to get around the town or something but what would life look like if you didn't have a car for the next few years yeah if you can get by without it what would life look like and maybe it's not as convenient maybe you've got a

Take a couple Ubers here and there.

Or you've got to take the bus, and it takes a little more time.

Or you take the subway.

Or you ask a friend for a ride.