
The bar isn’t very high to be ahead of most Americans financially, according to Ramsey personality and financial expert George Kamel in a recent YouTube video.
Citing data from the Ramsey State of Personal Finance survey, Q1 2025, Kamel said hitting just one of three key goals already puts you in better shape than half the country. If you can check off all three, he said, you’re “winning with money” — even if you don’t own a home or make a lot of money.