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1.11K
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9mo ago
GeorgeKamel
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After opening the American Express Gold Delta Skymiles card when I was 22 years old, I figured out quickly that these credit companies invented a game where they do not lose. Getting 2% cash back while paying double digit interest meant I was not winning. They were.

We all open all these cards promising ourself, “I’ll never carry a balance. I’ll pay it off in full every month, get my rewards, and stick it to the credit card man! No brainer.” Oh, how idealistic that promise was, considering that 49% of people are unable to pay off their credit card bills every month.

A not-so-fun fact is that credit card companies make most of their money from people who are struggling to pay their bills each month. They turn around and offer a tiny portion of that struggle money back to you so you can enjoy your free flight and some cashback, feeling like you beat the system.
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GeorgeKamel
After opening the American Express Gold Delta Skymiles card when I was 22 years old, I figured out quickly that these credit companies invented a game where they do not lose. Getting 2% cash back while paying double digit interest meant I was not winning. They were. We all open all these cards promising ourself, “I’ll never carry a balance. I’ll pay it off in full every month, get my rewards, and stick it to the credit card man! No brainer.” Oh, how idealistic that promise was, considering that 49% of people are unable to pay off their credit card bills every month. A not-so-fun fact is that credit card companies make most of their money from people who are struggling to pay their bills each month. They turn around and offer a tiny portion of that struggle money back to you so you can enjoy your free flight and some cashback, feeling like you beat the system.
I asked people what their car payment is:
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8mo ago
GeorgeKamel
I asked people what their car payment is:
Dan called into The Ramsey Show wanting to know the smartest move for a million dollars sitting in his account.
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GeorgeKamel
Dan called into The Ramsey Show wanting to know the smartest move for a million dollars sitting in his account.
A 30-year mortgage keeps you in debt way too long and costs you a ton in interest—like, more than most people realize. You might think the lower monthly payment helps, but in the long run, it just means dragging debt out for three decades and paying tens of thousands more for the same house.

That’s why I’m all in on the 15-year fixed-rate mortgage. It gets you out of debt faster, saves you a boatload in interest, and frees you up to hit your other financial goals sooner.
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GeorgeKamel
A 30-year mortgage keeps you in debt way too long and costs you a ton in interest—like, more than most people realize. You might think the lower monthly payment helps, but in the long run, it just means dragging debt out for three decades and paying tens of thousands more for the same house. That’s why I’m all in on the 15-year fixed-rate mortgage. It gets you out of debt faster, saves you a boatload in interest, and frees you up to hit your other financial goals sooner.
I went to CMA fest in Nashville to ask people if they have a truck payment.
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GeorgeKamel
I went to CMA fest in Nashville to ask people if they have a truck payment.
Imagine sending your last mortgage payment at 84 years old. That’s what a 50-year loan looks like.

Here’s why 50-year mortgages are a terrible idea:

1. You’ll be in debt for life. You’d spend five decades paying for the same house.

2. You’ll pay a fortune in interest. A 50-year loan adds up to around $690,000 in interest — over half a million more than a 15-year loan.

3. You build equity painfully slow. On that $1,684 payment, only $533 actually goes toward the house.

4. You’ll still have a mortgage in retirement. At 84, you should be free, not sending checks to the bank.

5. It keeps you stuck longer. You can’t move, upgrade, or invest because you’re locked in for life.

6. It helps the bank, not you. The longer the loan, the more they make, and the longer you stay broke.

A 15-year mortgage gets you debt free faster, saves you hundreds of thousands in interest, and helps you actually own your home, not just pay for it forever.
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GeorgeKamel
Imagine sending your last mortgage payment at 84 years old. That’s what a 50-year loan looks like. Here’s why 50-year mortgages are a terrible idea: 1. You’ll be in debt for life. You’d spend five decades paying for the same house. 2. You’ll pay a fortune in interest. A 50-year loan adds up to around $690,000 in interest — over half a million more than a 15-year loan. 3. You build equity painfully slow. On that $1,684 payment, only $533 actually goes toward the house. 4. You’ll still have a mortgage in retirement. At 84, you should be free, not sending checks to the bank. 5. It keeps you stuck longer. You can’t move, upgrade, or invest because you’re locked in for life. 6. It helps the bank, not you. The longer the loan, the more they make, and the longer you stay broke. A 15-year mortgage gets you debt free faster, saves you hundreds of thousands in interest, and helps you actually own your home, not just pay for it forever.

@Chris_Smth Why lie and make stuff up for engagement farming? We’ve never offered anyone money to be on the show, and we’d never invite you. Have some integrity.

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GeorgeKamel
@Chris_Smth Why lie and make stuff up for engagement farming? We’ve never offered anyone money to be on the show, and we’d never invite you. Have some integrity.
Send this to someone who loves to bet on sports 👀

Sports betting is socially acceptable gambling disguised as entertainment. It’s not fandom—it’s financially dumb.
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GeorgeKamel
Send this to someone who loves to bet on sports 👀 Sports betting is socially acceptable gambling disguised as entertainment. It’s not fandom—it’s financially dumb.
Hannah called into The Ramsey Show wondering if her family should continue living illegally in their gym's basement so that they can pay off more debt.
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GeorgeKamel
Hannah called into The Ramsey Show wondering if her family should continue living illegally in their gym's basement so that they can pay off more debt.
Let me tell you about the best way to buy a house today.
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GeorgeKamel
Let me tell you about the best way to buy a house today.
I've said it before, and I'll say it again, cryptocurrency is just Mary Kay for young men.
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GeorgeKamel
I've said it before, and I'll say it again, cryptocurrency is just Mary Kay for young men.
Steven called into The Ramsey Show looking for advice as he won $1,000,000 from a scratch off ticket and lost it all in only 8 years.
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GeorgeKamel
Steven called into The Ramsey Show looking for advice as he won $1,000,000 from a scratch off ticket and lost it all in only 8 years.
Tell me, what was your biggest money mistake?
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GeorgeKamel
Tell me, what was your biggest money mistake?
I asked people in Nashville what's their biggest money mistake.
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2w ago
GeorgeKamel
I asked people in Nashville what's their biggest money mistake.
Sarah called into The Ramsey Show for advice after her parents told her she owed $114k from a 529 plan she didn’t even know she was expected to pay back.

Want your question answered live on The Ramsey Show? Call 888-825-5225 for a chance to have us answer your question Monday–Friday, 2:00–5:00 p.m. ET.
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GeorgeKamel
Sarah called into The Ramsey Show for advice after her parents told her she owed $114k from a 529 plan she didn’t even know she was expected to pay back. Want your question answered live on The Ramsey Show? Call 888-825-5225 for a chance to have us answer your question Monday–Friday, 2:00–5:00 p.m. ET.
There will always be another card, another perk, another incentive. One for gas, one for Amazon, one for flights, one with 0% interest. Soon you’ve got 14 cards in your wallet, standing in the checkout line doing mental math thinking you’re beating the system. You promised yourself, I’ll never carry a balance. I’ll pay it off every month and cash in the rewards. But 49% of people can’t even do that.

In 2020 alone, credit card companies made a cool $106 billion. That explains how they can afford to spend billions of dollars on TV and digital ads, direct marketing in your snail mail, big buildings downtown, and stadium sponsorships. Give yourself a pat on the back, credit card users—you paid for that!
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GeorgeKamel
There will always be another card, another perk, another incentive. One for gas, one for Amazon, one for flights, one with 0% interest. Soon you’ve got 14 cards in your wallet, standing in the checkout line doing mental math thinking you’re beating the system. You promised yourself, I’ll never carry a balance. I’ll pay it off every month and cash in the rewards. But 49% of people can’t even do that. In 2020 alone, credit card companies made a cool $106 billion. That explains how they can afford to spend billions of dollars on TV and digital ads, direct marketing in your snail mail, big buildings downtown, and stadium sponsorships. Give yourself a pat on the back, credit card users—you paid for that!

Parents: teach your kids these 4 money lessons - Money comes from work - Save for what you want - Spend with purpose - Give your own money generously

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GeorgeKamel
Parents: teach your kids these 4 money lessons - Money comes from work - Save for what you want - Spend with purpose - Give your own money generously

$700 per month invested in a Roth 401(k) from age 30 to 65: 10% rate of return = $2.6 million tax-free at retirement 11% rate of return = $3.4 million tax-free at retirement 12% rate of return = $4.5 million tax-free at retirement

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GeorgeKamel
$700 per month invested in a Roth 401(k) from age 30 to 65:   10% rate of return = $2.6 million tax-free at retirement 11% rate of return = $3.4 million tax-free at retirement 12% rate of return = $4.5 million tax-free at retirement
I asked folks at CMA fest in Nashville if they’re investing.
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GeorgeKamel
I asked folks at CMA fest in Nashville if they’re investing.

George Kamel (@georgekamel) X Stats & Analytics

George Kamel (@georgekamel) has 22.6K X followers with a 1.05% engagement rate over the past 12 months. Across 362 posts, George Kamel received 13.9K total likes and 1.43M impressions, averaging 38.3 likes per post. This page tracks George Kamel's performance metrics, top content, and engagement trends — updated daily.

George Kamel (@georgekamel) X Analytics FAQ

How many X (Twitter) followers does George Kamel have?+
George Kamel (@georgekamel) has 22.6K X (Twitter) followers as of August 2026.
What is George Kamel's X (Twitter) engagement rate?+
George Kamel's X (Twitter) engagement rate is 1.05% over the last 12 months, based on 362 posts.
How many likes does George Kamel get on X (Twitter)?+
George Kamel received 13.9K total likes across 362 posts in the last 12 months, averaging 38.3 likes per post.
How many X (Twitter) impressions does George Kamel get?+
George Kamel's X (Twitter) content generated 1.43M total impressions over the last 12 months.