When money expert George Kamel was in his early 20s, he struggled with $40,000 in credit card and student loan debt and felt pessimistic about his situation. But after working a regular job and following Dave Ramsey’s 7 Baby Steps, he was able to reach millionaire status within 10 years.

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Updated Jan 11, 2026, 10:30 AM GMT Michela Allocca is the founder of Break Your Budget and the author of "Own Your Money." Courtesy of Michela Allocca Michela Allocca left the corporate world to build Break Your Budget, a personal finance brand. She grew her audience on TikTok and Instagram, leading to brand deals and digital product sales. Allocca invested her increased earnings, achieving a seven-figure net worth through disciplined saving. When Michela Allocca began working in the corporate

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A frothy stock market and looming inflation makes early retirement a trickier exercise.