I think very few people should actually be entrepreneurs.

Don't think that self-employment is just some short-cutted path to wealth.

I think most of us are better off being a W-2 employee working for the man.

A few habits that people have that keep them broke.

The first one is instant gratification. I have a smart spender framework in my book. Five questions that could change your life if you answer them. If America answered those correctly, you would be $0 in debt. In his 20s, George Camel was $40,000 in debt and living paycheck to paycheck. A decade later, he's a debt-free millionaire,

a number one best-selling author, and a co-host of The Ramsey Show, who uses his platform to show

others how disciplined, belief, and a debt-free mindset can transform your entire financial future.

You can remove one financial practice or institution. Which one would you remove?

Anyone who's a part of them?

They should be in jail.

That may shock a lot of people.

All right, George.

Is being broke?

Is that circumstantial?

In other words, a big factor because of how you grew up, where you grew up,

or is it truly a mindset? Your thoughts? I would say for most people listening, it's a mindset.

Now, circumstances affect it. Your environment affects it. That can be what got you there. But the way out of broke, it's going to take mindset plus work to change the circumstances. And too many people just go, well, woe is me. My parents never had money. I never learned about money. I made too many mistakes. It's too late for me. Wealth is for someone out there who had a different life. Yeah, I agree with you, and I want our audience to understand. You have,

I think, a little bit more authority when you say that, because of your ethnic heritage,

your family comes from another part of the world. I'm, even though you were born and raised here, I would like to know, based on what you know of your family,

do you have a stronger take on that?

Do you feel like you can really push back on this idea that, hey, I'm born in poverty,

the system's against me.

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