George Kamel - 21 Minutes of Girl Math TikToks That Hurt My Brain 🤯

Episode Date: February 27, 2026

💵 Start your free budget today. Download the EveryDollar app!   I may not be a girl, but I do know math. And I’ve seen enough impulse buys and Instagram hauls to know a good ol’ fashioned spending excuse when I hear one. So today, I’ll be reacting to some hand-selected girl math videos.   Next Steps: ● 🎥 Watch my video 21 Minutes of Terrible Money Advice From the Internet.  ● 📈 Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors: ● Get up to 20% off Cozy Earth with code GEORGE. ● Get 20% off when you join DeleteMe. ● Save money on your phone plan with Boost Mobile. ● Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's episode is all about girl math. Now, I may not be a girl. Really? But I do know math. Oh. And I've seen enough impulse buys and Instagram halls to know a good old-fashioned spending excuse when I hear one. So today I'll be reacting to some hand-selected girl math videos,

and to make things clear, bad money habits are not gender-specific. But the ladies tend to lead the charge in hashtag vulnerable content creation. So here we are. Now, before we hop in, no matter what gender you are, it would mean the world if you would hit like on this video, and subscribe to the channel if you haven't already. And big thanks to delete me for sponsoring this channel.

More on that later. Let's get into it. This is Girl Math. So I bought this purse for $38, which means it was $30. Round down, not a Girl Math. What? I spent $200 at one store, but all the other stores we walked into, I didn't buy anything.

So when you spread it out, that was good. You saved money. I saved money. Because I walked out as art or not buying anything. Girl math. We went to Sephora and the lady at the cash said that if I spend $20, then I get $500 points, which is $10 off my next purchase. So I made money.

Spend 20, get 10. Okay. I bought $20 in scratch tickets and I won $70. So I made $70. Yeah. You made $70, not $50. Yeah. Because it was cash.

So it was free. Girl math. Oh. Girl math. That is, that's good content. I don't care. who you are. Now clearly, this is tongue in cheek. This is some satire here, but also, it's also their real life. But they're self-aware enough to know that they didn't really make this money,

that spending 20 on the scratch ticket making 70 is not a $70 spread. It's 50. But emotionally, we can justify all of this if you just do enough girl math. But I want to go back. This $38. It cost me $30 because you round. Can you really round down $10? I mean, after $10, I mean, after tax. You're talking 40. So I feel like, if anything, you got to round up to 40. Was that too much maths? But, you know, whatever makes you feel better. And then, like, not spending at other stores, that's, that is a good thing. You should not spend at every single store you walk into. That would be maniacal. I like this one here. We went to Sephora and the lady at the couch. Yeah, the, the old spend 20 get 10. Now,

I'm surprised she even knew how many, how much dollars, 500 Sephora points turns into. That's impressive. That's like knowing the Lord of the Rings language. That's super confusing. You've got to shop at Sephora enough to understand that. But if you were gonna spend 20 anyways and the byproduct was $10 on your next purchase, I'm not mad at that. But to then find something to spend $20 on because you could get 10 from it, you need help. Thank you.

Strong start. I'm not angry yet. I'm loving this vibe so far. Let's see if we can continue this energy. So today's girl math is that I owe. $200 on my credit card and I also owe $180 on a bill. So I'm going to pay the $200 to my credit card. And once that clears, I'm going to use my credit card to pay the $180 bill.

So really, I got two bills paid for the price of one. So let me know if you want any more financial. Okay. So she has a balance of $200 on the credit card, which is probably like 27% APR that she's paying an interest. And then also has another bill. it's 180 bucks, maybe we should stop paying bills with the credit card because this sounds like a vicious cycle. Because now she has $180 on the credit card that she needs to pay off with other money. And then she's going to have more bills down the line that she also swipes for.

So this feels endless and exhausting. And let me see if anyone agrees with me. Pipp said this is exactly why my credit card is never fully paid off. Skull emoji. Laughing emoji. I don't find this funny. Who's laughing? Not me. That means you're actually up $20. You know what that means? Free Starbucks. Goodness gracious.

Yeah, a lot of people are with her. So you're saying you save $20. Two bills for the price of one, an extra $20 is a win-win. Girl math makes sense. Saves money every time. I love it. This math is how our government works. Okay, that's a funny one. I like that. All right, we're one in one here. I like the first one. Not a fan of that one. Let's see what we got next.

Okay, babe, say that again? Good, I just got free cash. No, we just did a refund. customer service refund and she thinks because it's cash now and it's not in her bank account that it's free it is not give me this been a hundred and nineteen dollars free let's go get something no just for me no in fact you should give me that no this is my money i got it they give it to me in my hand this is mine okay it's for okay first of all it's not free money it's a refund it's going straight back into your bank.

No, that's not going to her bank. It's free money because... We all know it. It went out of my bank a while ago. So now that money never existed to me. Uh-huh. Now this is free money because I'm just getting $119 out of nowhere?

It's not out of nowhere, though. Free money. The girl, Matt, is nothing. She bought more stuff with it. I feel for this man. You can tell that the real moment happened and then he said, okay, babe, say it again. And so he's getting her to retail the tale of how she just made $119.19.

And this sadly, I've seen more and more, especially from the younger generations. I was just talking to it, Gen Alpha and Gen Zer earlier today. And they straight up told me, oh, if I have cash, like, that is outside of the system, that money is gone. It is spent. It does not exist because I didn't see my digital bank account number or Venmo number go down. Therefore, nobody saw it. If a tree falls in a forest and no one hears it, Bada bing, bada boobo.

Bada bop boom. Now, the part that it hurts my soul is that she could have just never spent the $119, and we would be in a better place. We wouldn't be in this mess. Now, the other thing she could have done is use the $119 to accomplish a more important financial goal. Now, I'm glad she returned it. A lot of people just forget to return it, miss the return window. Don't fight for the return to get the money back.

And it just sits in a closet, goes to goodwill, goes on a landfill, whatever. So I'm going to give her a point to say at least she took the effort to go to the store with the item and get the money back. Love that for you. But what we did with the money, I have questions. But let me just tell you this man, he's cooked. Okay, we are cooked. This is a lifetime of free money. And hopefully they have a lot of it because otherwise they're going to be broke.

Let me see. Is she like an influence? Oh, she is. Very much so. Her email is a talent group. She has like a booking agent. What, this is crazy. Follow our journey? 800,000 followers? What am I doing wrong? I should be going to the mall with my wife and having her just return things and we film it.

Whitney, if you're watching this, which I know you're not. Shout out. Moving on. I think it's a no-brainer. $2.50 divided by $10, $25 a weird. Yep. For $10. You're way more than 10 times. So $5 a week for $20 a week. Oh my God. So cheap. You're literally buying it from the dollar store. It's like getting a coffee every time I wear it.

Yes. Oh my gosh. You could, you could add more. No, if you, if you forfeit your coffee every time you wear that, then it's basically free. Oh, we cracked Gilman. That is so good. We cracked Gilman. They've just defied the laws of physics and gravity.

Okay, $5 a wear for 20 wears is $100. What? And then she goes, well, if I forfeit the $5 coffee, technically it's free. Y'all. And this isn't even America. Clearly, they are not from America. I assume they're from a very intense part of Australia. That's a pretty thick Australian accent.

I've heard plenty in my day. Let's put another shrimp on the ball bay. But I do. I like their energy. I do think this is funny. I just pray for whoever they get hitched to. Because he's lost. He's lost the battle.

You can't out math, girl math. It is top-tier math. It is S-tier mathematics. Okay? No master's degree, no physics degree is going to top that. One person said it's called amortization. Not sure how that works. Science is power, said someone else.

She'll wear it five times and we'll never skip coffee. Accurate statement. Yeah, you hit the nail on the head. And there's the truth. Maybe this becomes a go-to wear for her. I hope and I pray that. But oftentimes, you buy it. It sits in a closet.

Maybe you wear it once or twice. And then you go, eh, it's not for me anymore. My style's changed. The season's changed. So that part bothers me. But that's just a man with a wife with a lot of clothes. And she's going to come at me for this. But it's true.

And I'm guilty of it too. So we're all guilty of it. But I think we need to back up and go, maybe we should stop justifying purchases. And instead go, am I actually going to use this thing a whole lot? Do I have the money in full in cash without derailing my financial goals? And if you can say a heck yes to all of that, You go, girl. You don't even need the girl math.

All right, just no math involved at all. Oh no, I gotta read this font. Girl math is buying a new car because you didn't want to replace your tires. Okay, I don't know whose money she has, but it's not hers. Okay, I don't know if there's a trust fund involved, a husband who got roped into this, a co-signer who reluctantly signed, but this is wild behavior. Okay, replacing your tires, let's be very generous and say that's 12.

$1,200 to replace your tires. What did she do instead? Probably buy what looks like a, I'm going to say $70,000 BMW SUV brand new with a giant payment. Yeah, carry the one and you've got idiocy. I got a check though.

Please don't tell me the comments are in support of this behavior. They are. Here we go. I did this two years ago. My Alexis got a flat, drove straight to Porsche, left with the new McCann. Macon, you just stopped making terrible. financial decisions. Swirlgirl Brooke. Kiki said, trade it in my bends for a BMW Friday because I'm not dealing with that maintenance. Lease only from now on. Oh, like we have AI. We have all the

information in the world and it cannot stop the stupidity of humanity because we want nice stuff and we want it now and we don't care about the consequences and the payments and the interest. Oh gosh. They are driving their wealth. They're flaunting it and it's not getting them very far. Smart math is no car no. Let's go. Lilbutsassy.com. Don't know what that name's about. Don't want to know. That sounded naughty. I've done that a couple times. There we go. A lot of people are, it's relatable content because a lot of people have made this stupid decision. But if you're watching this, never let this be you. Okay. In fact, don't buy a brand new car unless your net worth is over a million Because the truth is, the moment she drove that BMW off the lot, it probably lost $4,000 in value.

Not worth it. So if you just want to throw money away, absolutely do what she did. But if you want to build wealth and have a life and a retirement, you can drive a cheaper car. You can have a nice car one day. You can buy a BMW and you can buy it used from someone else that paid the depreciation for you. That's the smart move. But do not be like her, please. In any way, shape or form.

Although beautiful nails. She clearly is getting the nails done a whole lot. As you can see, Girl Math does not lead to the best financial decisions. But you know, it is a smart financial decision? Choosing a bank that has your back. And that's Fairwin's Credit Union, a sponsor of today's video. Unlike those other banks, I hope you keep swiping, overspending, living on credit. Fairwinds actually wants to help you make smarter choices and become debt-free and stay that way.

And right now, when you sign up for their smart bundle, you get a no-feet checking account and a high-yield savings account to help you save more and build wealth. So if you're ready to make progress on your money goals this year, get the smart bundle at fairwinds.org slash Ramsey or click the link in the description. And before we get back to more videos, we gotta talk about something else that doesn't make any sense. You letting your personal info float around the internet like a password written on a sticky

note labeled password. You are just asking for some creepy internet thief to steal your data and sell it to the highest bidder. And thankfully, there's Delete Me. They'll erase your info from hundreds of data broker sites, which helps protect against spam calls, shady texts, or emails from a prince who just needs your routing number to share his inheritance. And Delete Me will even send you a custom report so you know exactly how they protected you and how much time they've saved you. And right now, you can get 20% off their annual plans at join deleteme.com slash George or click the link in the description. All right, back to

the unhinged videos. Girl Math is knowing that kids cost on average $21,000 a year or $240,000 over 18 years. So if I don't have a kid, I'm making $20,000 a year, and I have a free $240,000 in my pocket. Basically, everything I do is free because I don't have a kid. Ay, aye, y, zumi. Is she the girl who always encourages people to not have kids? Child-free cat lady reminding you to take your birth control. Okay. Yeah, she is that same girl, the girl with the list, the list of reasons why you should ever have a kid. Listen, if you don't want to have kids, that's fine. In fact, some people,

maybe shouldn't be parents. But the idea that you're saving money by not having a kid, it just, that's not how this computes. Okay, having kids is so much more than a financial decision. Yes, kids are going to cost money. You got to buy diapers. You got to buy formula. You got to pay for all the clothes and things that come along with it. But is it worth it? And would I make sacrifices to budget for those things? Yes. Will you have $240,000 sitting in account 18 years from now because you didn't have kids? Absolutely not. Nobody has that kind of discipline. And the good news is you can have $240,000 sitting in an account, even if you do have kids with some intentionality. So I rebuke pretty much everything that comes out of her mouth as the dad

of kids that changed my life. I love you. Also, she was once a kid. I wonder if her parents regret that. Next up. Ooh, Starbucks. I have to know up on the only one that thinks like this, but I don't think I am. I have the mindset whenever I go to Starbucks, my coffee is free. Whenever I go to my local coffee shops, which I like to go more often, they don't have an app that you reload your card with. So at the time that I go to those coffee shops, every single time spending my like $8, $9 on my coffee every single morning. Whenever I go to Starbucks, I reload my card and I'll have reloaded it maybe like a few days ago and it'll be like 20, 50, whatever bucks that you put on there. So

the next few times that you go, it's free. So every time that I go so today, I had to go to Target. And I'm like, oh, inside I'll go get Starbucks. I'll get my coffee for the day. I it was free like it was already in my app so today my coffee was free and instead I spent a hundred dollars at Target I cannot be the only one that thinks like this like in my head Starbucks is free local coffee shops you're paying for wow I can't be the only one you're not the only one and I understand why she thinks that way even if someone's got to break it to her that she has just prepaid for her coffee for the next week or two or maybe two days based on how much she's $9? $9. What are you? It's got to be a large. It's got to be a latte. It's got to be specialty. And she's got to be getting a non-dairy alternative milk that they're also

charging for. That's the only reasoning I can think of as to how you could spend $9 at your local coffee shop. But yeah, Starbucks are, they are geniuses at marketing. I even made a whole video about how Starbucks is secretly a bank because of this very thing. They have all this money that you've loaded onto an app that they can now do what? they will with and they do what they will. And it's true, you load your account with 20 bucks, that money's sitting there, it's already left your bank account, now five days later you go to Starbucks,

you spend the money and nothing leaves your account. Because it already did, Home Girl, days and days ago. So no, it's not free, you just prepaid for it. Hope that helps. Alright, next up, if you book your 2026 trips now, it's basically free because you paid your 2025 money. Oh! Oh, boy.

Here we go. I'm seeing a theme here. I'm seeing a big theme. Okay, here's the trick that they're using. If you spend money now on something that happens later, the thing that happens later is technically free because it didn't leave your account. It left your account many moons ago.

That's an old you. That you is gone. All there is is present and future you. So why worry about it? There you go. I just summed up, girl. That is without a doubt the dumbest thing I've ever heard. But it's true.

If you book a 2026 trip with 2025 money, you already paid the 500 bucks and when the trip happens, you're like, woo, I got a free trip. But really, you should have just budgeted for it, paid cash, and intentionally knew that you've just prepaid for the trips. Very similar to the Starbucks analogy, just with a whole lot more zeros on the end. And Holly was honest in the comments, I don't have any 2025 money left. And that is the truest girl map, is they don't have the money to begin with. But what are you going to do, Holly?

You're probably going to put it on the credit card and then pay for that for the next eight months at 27% APR. Okay, everyone agrees. I don't think there's a single person calling her out except for me. You never get past me. That ice cream does look delish, though. We've all heard of girl math, but let's not forget about girl measuring. Oh, yes. That's a good one.

I would love to know the scientific accuracy of just taking a measurement and then moving your hand. I got to guess you're probably off by 10 to 15% on average, depending on your dexterity, you know, your hand-eye coordination. That's what it really comes down to. Now, if you keep it at a certain distance, I think I could probably get within like a 98% accuracy. But I won't know for sure. Also, you can, this is a hack if you didn't know. So you have an iPhone, there's an app called Measure, and you can do it all digitally.

You don't have to own measuring tape ever again. I use it very frequently, and it also has a level on it. If you turn it sideways, you can level things on the wall, brilliant. Because I don't know if you can tell, not a big tool guy. I am a tool, though. Been told that in the comments. Now, as per usual, producer Alex has thrown a wrench in the plans with a bonus video that may or may not be wild. So let's see what he has for us today.

So you've heard of girl math. You've heard of boy math. But have you heard of God math? Hear me out, hear me out. Five loaves plus two fish. 5,000 equals 5,000 meals. True. With leftovers.

It was leftovers. How did he do it? God math. Water equals wine. God math. One cross plus three names. No, he does. Forgiven.

If God did a miracle in your life and you can't explain it. God, math. Wow. That is some of the best evangelism you could find on TikTok right there. And it's true. I mean, again, it defies the laws of physics and gravity. But guess what? God is above that.

Amen. And he created math in a sense. So he can do what he wants. Very impressive. Thank you. Joe Christian guy. I love Jesus. TX. Is that a city in Texas? It would not shock me if there's an actual city in Texas called

I Love Jesus, Texas. Thank you for that. Two and a half million followers, I'm going to be making Jesus juke content, guys. I could really be doing something with my life. Jokes and fun aside, everyone's got their own version of Girl Math that they use to justify their spending or more likely overspending. And that is why having a budget is so important. It gives you a plan for your spending, so instead of feeling guilty, you feel in control. Okay, I'm not mad at you. you haven't stuff, but you have to do it intentionally instead of just wondering why you don't have any money at the end of the month. So if you're still letting vibes run your life, it's time to call in some backup. I've got the thing for you. It's a great app called Every Dollar, and you can get

it in your app store, or click the link in the description below. It will help you get control of every single dollar you have coming in. And if you like this video, I have a strong feeling. You're going to enjoy this one where I react to more terrible money advice I found on the internet. They have everything there. Thanks for watching. We'll see you next time.