Transcript generated automatically by AI and may contain errors.
Chapter 1: What is discussed at the start of this section?
Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. George Campbell, Ramsey personality, YouTube star and co-host of the YouTube podcast Sensation, Smart Money Happy Hour with Rachel Cruz. He's my co-host today. And that is appropriate because today...
We are launching the pre-sale on Georgia's first book. It is very good. It's called Breaking Free from Broke. And it's got a... Great picture of George here pushing out against the toxic money culture that's out there. And this is the ultimate millennial Gen Z guide to the things I used to say, but I say them in such a boomer way that this is actually incredible.
I laughed out loud reading the manuscript. I was very impressed with the level of research that you and the team have done to put into the book, the detail, the backup. I mean, you destroy.
some of these concepts that are out there in such a way it is so persuasive that you just can't do stupid stuff anymore after reading this book i appreciate that dave well you know being here 10 years now having followed the ramsey plan for 10 years now me personally going from broke to millionaire after detaching and deprogramming all this toxic crap weird to say that say millionaire at your age
It doesn't feel real.
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Chapter 2: What is the significance of George's new book, Breaking Free from Broke?
It's a number on a sheet. Because I don't read all the comment crap. Do people ever say, of course you're a millionaire. Ramsey pays you a million dollars. To which you respond, no, he doesn't.
I wish he did. That would be very nice, Dave. No, he doesn't. The truth is, I was a normal guy with a normal job, marketing roles. I wasn't a personality up until a few years back. And so my wife and I, who also works here, we've just been following this stuff for years. And it turns out, if you just invest in your 401k for a decade and get your house paid off...
You can become a millionaire fairly easily in America today.
Yeah, there you go.
So I dispel so many objections that we've heard over the years around credit scores, credit cards, auto loans, student loans. It's like the total money makeover meets complete guide to money meets the fine print meets borrowed future along with my YouTube humor and snark.
and uh someone said today a good dose of the snark i released the the first chapter i read it on video and a comment said i forgot i was reading you were reading a book it felt like another one of your youtube videos and it was the best compliment that's it because i tried to write it really is it's youtube on paper i didn't want it to feel like a root canal reading a financial book of everything you never learned about money but wish you did and so i tried to make it to where even i would enjoy reading a book
And I hope I accomplished that.
You did. You did.
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Chapter 3: How does George's personal financial journey relate to the book's themes?
It's really, really good. And Breaking Free from Broke, the ultimate guide to more money and less stress. So all of those things that people are saying on TikTok and are saying on YouTube and are saying on Instagram, when you folks are reading those and you go, You know, that doesn't sound right. But you're not sure why? George is going to tell you exactly why.
Painstakingly had to explain crypto and NFTs and leveraged real estate. And it was exhausting, Dave. I'm not going to lie.
It's not exhausting reading it, though. I was laughing my butt off. That's good news. It's just too funny. And we had to go to the printing world and invent a new font for the book. We have officially copyrighted now the Snark font. That's right. And so the book is written in Snark font.
That usually happens in the parenthetical.
We looked for the sarcasm font for mine, but we couldn't get it. But we got the Snark font for you. And so that's a publishing breakthrough. That's huge.
And Dave, you wrote the foreword, which is very kind of you. I don't know if you were forced to, but it was very nice of you to do that. To slap your name on it.
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Chapter 4: What are the main financial myths addressed in the episode?
I forced myself to since I own the company.
From Ramsey Press.
I guess you might as well. Hey, I was honored to do that. And I, you know, as the CEO, not as an on-air personality, I read all of our manuscripts, of course, and comment on them. and rather bluntly to each of the personalities before it makes it through an edit process, but long before it goes to print, right? So that's why I get to read Dr. John Deloney's book, and I'm like,
This book is going to rock people's world on anxiety. I mean, Building a Non-Excess Life, The Six Daily Choices. It rocks. It's really good. Breaking Free from Broke, George Campbell's new book. It comes out January 16th. That's right. And we will ship it to you then, as always, with a Ramsey book. It goes on presale today.
We're going to let you buy it in advance, and we're going to bribe you to do so. You'll get an instant access to George's newest talk, Show Me the Money, and exclusive access to an online private event. It includes a Q&A with George. You'll get the audio book and the e-book when we ship the book in January, on January the 16th.
And whether you pre-buy it or buy it later, but do pre-buy it, please, part of it is you're going to be tied into EveryDollar, and there'll be a QR code in the book that lets you get EveryDollar free for, what, 90 days? 90 days of all the premium features. The premium every dollar.
That's worth it alone. Even if you don't want to read this book, do it for the every dollar bonus.
That's awesome. That costs more than the book. Absolutely. So we're throwing all of this together, and it's only 20 bucks, okay? So it's like over $150 worth of bonus items when you include the every dollar in there for sure. And so go ahead and pre-order it.
It helps George with the marketing, helps us with the marketing, and it helps us with the orders with Amazon, all the stuff we do to try to get a book out there. And I just, I can promise you, I'll give you the Ramsey Trusted seal of approval. George is not only Ramsey Trusted, but this, we don't put stuff out around here, like George wrote it, and we just say, that's okay, and we print it.
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Chapter 5: How long have the guests been married and what financial strategies did they implement?
So it's cool. How long have you guys been married? This is our second marriage. We're a blended family. We're going on 19 years. Wow. And one of the things that we, when we first got married, we wanted to keep open our finances together and we got introduced to Financial Peace University and And then when Smart Dollar came to U-Haul, I just became a champion and a cheerleader for it.
Ah, very cool. So Teresa, when this showed up at his work, you already knew about all of it. Right, I knew about it. And I knew what we had done in the past with Financial Peace University as well.
Chapter 6: What financial challenges do blended families face?
So that was another. So that's why it was only $38,000. You'd fallen off the wagon a little and just had a little cleanup to do. Exactly.
On the advice of counsel, I'd like to plead the fifth. She counseled you not to put your foot in your mouth.
Exactly. Exactly.
And that's what it is. And, you know, we just got back on it and every company needs to have smart dollar. It just is phenomenal. The people at U-Haul that have embraced it, you know, now I have somebody came to me the other day and they said, I can breathe now. It's just absolutely wonderful. And Teresa, you know, when I was talking with her, she just said, it's so exciting.
And the way it's set up, it's so easy to follow. So, Teresa, did you go back through the smart dollar thing after when he started doing it at work?
A little bit.
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Chapter 7: How does Smart Dollar impact employees' financial well-being?
Okay. All right, cool. So y'all worked on it together again, but it just brought it back to, for you guys, it was a review. Yes. More than an introduction. Okay.
Oh, yeah.
Very good. And also different partners with it, you know, trying to go through it before when I was by myself after my first marriage. Oh, you weren't married when you did it before?
um i was married the first i mean you two weren't married when financial peace together okay okay so that yeah that makes a lot of sense then yeah that's a whole new set of eyes to look at it now yeah absolutely yeah very cool that's amazing i'm curious you know a lot of people say well hey that's that's personal stuff leave that at home you got to be at work but what you're saying is you can't really because when you get to work and you're stressed because your car broke down you don't have the repairs to make it all you're complaining about in the break room
is this car and this money problem. And so to show up at work and not have that and everyone's on championing each other, that's an amazing feeling.
Oh, absolutely. And to piggyback on that, now when we have to replace tires or something goes out, It's not an emergency. It's an inconvenience. Right. That's huge.
And that makes a big difference.
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Chapter 8: What advice is given for dealing with a financially struggling family member?
That's how it's supposed to work. What do you tell people the key to getting out of debt is?
Budgeting. Spend less on what you make. Budget.
Persevere.
Persevere.
Push on through. Push on through. They're all connected. Absolutely. Well done, you two. I'm proud of you. Great work. Very, very cool. So you've seen a difference in some of your coworkers as well then?
Oh, absolutely. Absolutely. Every company should get this smart dollar. It just makes the difference because people see, I can do this. I can live it. And then at the end of the day, like George said, I'm not thinking about how am I going to pay my minimum payment and I'm going to have to get a cash advance. And what am I going to do? And then how am I going to go home and face my wife?
You know, I think U-Haul has Gary in the wrong seat. As a business analyst, he's quite a pitch man. I'm impressed. He's selling U-Haul and he's selling smart collar.
He's selling me the U-Box.
I mean, I'm buying everything he's selling. I'm just saying this guy, he's got it lined up here. Way to go, man. Thank you. Thank you very much. We appreciate that. And I appreciate the endorsement. And all kidding aside, we're thrilled with partnering with you guys, your great American company. And I'm thrilled that on an individual basis that you guys are.
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