I’m on a mission to help people spend less, save more, and avoid money traps so they can build wealth and live life on their terms. Think of me like your slightly nerdy friend who delivers helpful money advice (with a healthy dose of snark).

If you want to feel more confident and in control of your financial future, you’re in the right place. I’m super glad you’re here.

I’m on a mission to help people spend less, save more, and avoid money traps so they can build wealth and live life on their terms. Think of me like your slightly nerdy friend who delivers helpful money advice (with a healthy dose of snark).

If you want to feel more confident and in control of your financial future, you’re in the right place. I’m super glad you’re here.

I’m on a mission to help people spend less, save more, and avoid money traps so they can build wealth and live life on their terms. Think of me like your slightly nerdy friend who delivers helpful money advice (with a healthy dose of snark).

If you want to feel more confident and in control of your financial future, you’re in the right place. I’m super glad you’re here.

I’m on a mission to help people spend less, save more, and avoid money traps so they can build wealth and live life on their terms. Think of me like your slightly nerdy friend who delivers helpful money advice (with a healthy dose of snark).

If you want to feel more confident and in control of your financial future, you’re in the right place. I’m super glad you’re here.

After falling for money traps over a decade ago, I climbed out of that mess through a proven money plan. Within 10 years, I went from negative net worth to debt-free millionaire. And if an average George like me can do it, I know you can too. 

If you’re anything like me, you’ve felt frustrated when it comes to money. You’re not where you want to be financially, and you don’t have high hopes that it’ll get better anytime soon. Maybe you didn’t learn this stuff in school or at home, and now you’re a grown adult trying to filter through all the noise and opinions from ads, social media, friends and family. I get it. 

Like none of you, I grew up as an Arabic Baptist (if you’re wondering what that means, it’s like Baptist but with way more hummus). My parents immigrated to the U.S. from the Middle East back in the ‘80s, and while they worked really hard to raise me and my brother, they quickly conformed to the American culture. Especially the money culture. The toxic one that says payments are normal, FICO scores are almighty, and college is a must, no matter how many loans it takes. 

Naturally, I fell for those traps too. I financed my way all the way through my bachelor’s in communication from the University of Mobile using Sallie Mae’s Monopoly money. $36,000 in student loan debt and $4,000 in credit card debt later, the American Dream turned into the all-too-common American nightmare. I was anxious, frustrated and hopeless about my financial future.

2013 George: I was frustrated, broke and hopeless.

Thankfully, I landed a temp job at Ramsey Solutions in 2013 and went through their money course, Financial Peace University. Through that, I learned about a simple, proven plan called the Baby Steps, and it changed everything. My paradigm was shifted, and I started deprogramming all the crap I learned about money the first few decades of my life. I learned that debt is not a “tool,” and that this toxic money culture is designed to screw you over. Even better, I had hope that I could take control of my money and reach my financial goals. I learned that if you want to win with money, figure out what most people are doing . . . and run in the other direction. You have to be weird and swim upstream in a culture of normal and broke.

2022 George (and Whitney): We're debt-free and living like no one else!

So that’s what I did. Just 18 months into the Baby Steps, I was able to pay off all $40,000 of my consumer debt. From there, I kept working the plan and got certified as a Ramsey Solutions Master Financial Coach. I also met a really cute coworker who later became my wife (say “aww”), and in 2021, we freakin’ paid off our house! Now I get to focus on showing people how to steer clear of crappy money advice and build wealth the right way. I do that through speaking at live events across the country and co-hosting shows like The Ramsey Show (which is the second-largest talk radio show in America) and Smart Money Happy Hour (with my friend Rachel Cruze!). 

I want you to experience the same freedom with money that I (and millions of others) now have. It didn’t happen overnight, and I don’t have a trust fund or a rich uncle (sorry to throw you under the bus, Uncle Youssef). It was a journey that took a lot of time and hard work. But if this formerly clueless, average millennial can do it, so can you.

You can go from negative net worth to millionaire. You can have more time and money to focus on what really matters to you. It starts with breaking free from a toxic money culture and ends with more freedom, peace, joy and margin in your life. Wouldn’t that be nice? Yep. That was rhetorical. Let’s do this.

After falling for money traps over a decade ago, I climbed out of that mess through a proven money plan. Within 10 years, I went from negative net worth to debt-free millionaire. And if an average George like me can do it, I know you can too. 

If you’re anything like me, you’ve felt frustrated when it comes to money. You’re not where you want to be financially, and you don’t have high hopes that it’ll get better anytime soon. Maybe you didn’t learn this stuff in school or at home, and now you’re a grown adult trying to filter through all the noise and opinions from ads, social media, friends and family. I get it. 

Like none of you, I grew up as an Arabic Baptist (if you’re wondering what that means, it’s like Baptist but with way more hummus). My parents immigrated to the U.S. from the Middle East back in the ‘80s, and while they worked really hard to raise me and my brother, they quickly conformed to the American culture. Especially the money culture. The toxic one that says payments are normal, FICO scores are almighty, and college is a must, no matter how many loans it takes. 

Naturally, I fell for those traps too. I financed my way all the way through my bachelor’s in communication from the University of Mobile using Sallie Mae’s Monopoly money. $36,000 in student loan debt and $4,000 in credit card debt later, the American Dream turned into the all-too-common American nightmare. I was anxious, frustrated and hopeless about my financial future.

Thankfully, I landed a temp job at Ramsey Solutions in 2013 and went through their money course, Financial Peace University. Through that, I learned about a simple, proven plan called the Baby Steps, and it changed everything. My paradigm was shifted, and I started deprogramming all the crap I learned about money the first few decades of my life. I learned that debt is not a “tool,” and that this toxic money culture is designed to screw you over. Even better, I had hope that I could take control of my money and reach my financial goals. I learned that if you want to win with money, figure out what most people are doing . . . and run in the other direction. You have to be weird and swim upstream in a culture of normal and broke.

So that’s what I did. Just 18 months into the Baby Steps, I was able to pay off all $40,000 of my consumer debt. From there, I kept working the plan and got certified as a Ramsey Solutions Master Financial Coach. I also met a really cute coworker who later became my wife (say “aww”), and in 2021, we freakin’ paid off our house! Now I get to focus on showing people how to steer clear of crappy money advice and build wealth the right way. I do that through speaking at live events across the country and co-hosting shows like The Ramsey Show (which is the second-largest talk radio show in America) and Smart Money Happy Hour (with my friend Rachel Cruze!). 

I want you to experience the same freedom with money that I (and millions of others) now have. It didn’t happen overnight, and I don’t have a trust fund or a rich uncle (sorry to throw you under the bus, Uncle Youssef). It was a journey that took a lot of time and hard work. But if this formerly clueless, average millennial can do it, so can you.

You can go from negative net worth to millionaire. You can have more time and money to focus on what really matters to you. It starts with breaking free from a toxic money culture and ends with more freedom, peace, joy and margin in your life. Wouldn’t that be nice? Yep. That was rhetorical. Let’s do this.