cover of episode Dave Ramsey: Trump v. Kamala’s Economic Plans, & the Diabolic Tricks Banks Use to Scam You

Dave Ramsey: Trump v. Kamala’s Economic Plans, & the Diabolic Tricks Banks Use to Scam You

2024/10/21
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Dave Ramsey
帮助数百万人摆脱债务和实现财务自由的著名个人财务专家。
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Tucker Carlson
Topics
Dave Ramsey: 美国人深陷债务危机，信用卡公司通过高额的营销和广告投入，将负债合理化，导致人们过度消费，背负巨额债务。银行的盈利模式依赖于利差，他们以较低的利率吸收存款，然后以较高的利率放贷，从中获利。消费者在财务管理方面缺乏自律性，容易成为债务的牺牲品。现金支付比信用卡支付更能让人意识到消费的实际成本，从而减少消费支出。政府和银行都有动机消除现金的使用，因为数字货币更容易控制。信用评分系统与个人财务状况无关，它只关注借贷行为，这使得该系统存在缺陷。即使没有良好的信用评分，也可以通过人工审核的方式获得住房抵押贷款。抵押贷款利息抵扣的益处被夸大了，大多数人无法从中受益。提前还清抵押贷款没有任何缺点。摆脱高额债务需要制定预算、减少开支、增加收入，并需要夫妻双方共同努力。信用卡债务整合服务并不能从根本上解决问题，因为它无法改变人们的消费习惯。 Tucker Carlson: 左翼人士批评资本主义和大型企业，但却很少批评信用卡公司，这令人费解。信用卡公司是造成美国人痛苦的主要原因之一，但却很少受到公众批评。政府对学生贷款的处理方式也存在问题，它并没有真正帮助学生，反而让银行获利。

Deep Dive

Chapters
Dave Ramsey discusses the pervasive nature of debt in America and how credit card companies spend more on marketing than all professional sports combined.
  • Credit card companies spend more on advertising than all professional sports combined.
  • Americans carry a total of $1.7 trillion in credit card debt.
  • The credit card industry is highly profitable and normalized in American life.

Shownotes Transcript

Which has destroyed the lives of more Americans: Iran and Russia, or our domestic credit card companies? Dave Ramsey on the real threat we face, which is debt slavery. Dave Ramsey is the founder and CEO of the company Ramsey Solutions, where he’s helped people take control of their money and their lives since 1992. He’s also an eight-time national bestselling author, personal finance expert and host of The Ramsey Show. After battling his way out of bankruptcy and millions of dollars of debt, Dave set out to change the toxic money culture for good—making it his company’s mission to provide biblically based, commonsense education and empowerment that give HOPE to everyone in every walk of life. Learn more here: https://ter.li/xy2fik

(00:00) How Banks Exploit You With Debt

(09:11) How Cash Changes Your Psychology

(21:58) Why Our Leaders Oppress the Poor

(30:49) The Unknown Side Effects of Debt

(38:14) Dave’s Proven Successful Plan to Pay off Your Debt

(59:01) The Student Loan Forgiveness Scam

(1:12:03) Dave’s Key to a Successful Marriage

(1:23:29) The Key to Building Wealth

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