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On the Ramseywebsite, Kamel is described as a Ramsey Personality and personal finance expert.

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Along with being a podcast host and Ramsey-ite, Kamel has a YouTube channel.

And in one of his recentvideos, Kamel shared seven things that improved his financial life.

Here is a breakdown of thethings that changed Kamels financial life and ways to implement them into your finances.

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Not having a car payment was thegreatest wealth-building hackI could give you, Kamel shared with the viewers.

Driving an affordable, reliable used car improved my financial life big-time.

And I know its not flashy.

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But you know what?

I was impressed by how much wealth it gave me.

Thats where his skateboard of 20 years came into the picture.

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It makes all the difference, he said.

Youll forget that you are not spending money when you are just riding on four wheels.

I refuse to spend the retail price, pay the MSRP, Kamel said.

Spending money on clothes is a tough one, Kamel admitted.

This course deprogrammedall the lies and mythsId come to believe about money, Kamel said.

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