We are in the thriving generation. I think we need to call that out. We love to complain that we can't be homeowners and we post about it from our $1,500 smartphones in our air-conditioned departments.

You know, people making six figures, third of them with paycheck to paycheck.

Yeah. And you're going, if I made six figures, I would never.

Listen, lifestyle creep is real. It's not all your fault, but it's your responsibility.

What's holding them back from going, if George can do it, I can do it?

What I find is that the Ramsey plan, the one that I followed to go from broke to millionaire is often it seems too simple.

Being faithful in what was in front of me was a key to getting to what was next.

Time plus effort is undervalued in today's society.

What do you say to people who are going?

Okay, I get it.

But I just feel like I can't wait or it's too late for me.

I appreciate this, George, but I've already gone out.

Well, number one, there is hope for you yet.

Number two, it's not too late.

And number three, it's always going to take longer than you think, and it's

going to be so much more difficult than you think, and the path will never be a straight line.

You'll always end up there and go on, that was amazing. It strengthens you and it makes it to where there's

nothing that can stop you.

Credit card debt is at an all-time high. Interest rates on credit card debt, all-time high.

Student loan debt in the trillions of dollars in continuing. The financial system is broken, but worse people are broke.

They don't believe that they can live on less than $100,000.

The system has got everybody confused, and it's time something changed. So that's why I asked my

...