cover of episode 33-Year-Old Straight Up Isn’t Paying His Taxes

33-Year-Old Straight Up Isn’t Paying His Taxes

2023/8/9
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Financial Audit

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Michael
帮助医生和高收入专业人士管理财务的金融教育者和播客主持人。
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Michael: 我是一位33岁的太阳能销售员,完全靠佣金收入,收入不稳定,从18岁起就负债累累。最近几个月财务状况急剧恶化,因为收入不足以覆盖支出,导致我拖欠了税款、欠了父母和室友钱,还有信用卡债务和学生贷款。我尝试过其他副业,但都失败了,现在我专注于太阳能销售,希望提高收入改善财务状况。我五月份收入达到9000美元,但未来收入的不确定性依然存在。我意识到需要改变消费习惯,减少不必要的开支,并制定一个合理的还债计划。 Caleb: Michael 的财务状况非常糟糕,主要问题在于收入不稳定和支出过度。他需要优先偿还税款和高息债务,例如信用卡债务,并制定一个合理的预算,控制日常开支。他还需要建立紧急备用金,以应对收入波动。此外,他还需要规划未来的投资,例如Roth IRA,为退休做好准备。Michael 的收入虽然最近有所提高,但仍然存在不确定性,因此需要谨慎规划财务,避免再次陷入债务危机。建议他优先偿还税款,然后是父母的欠款,再逐步偿还其他债务。同时,他需要学习如何有效管理财务,控制支出,并为未来做好规划。

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Michael discusses his history of debt, attributing it to living above his means and not making enough money.

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Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email [email protected] Sponsorship and business inquiries: [email protected]  _______________________  Timestamps: 00:00 Job and Income 04:39 Opal 06:06 What a mess 11:07 Pay your taxes! 17:10 SPEND SPEND SPEND 20:32 I'm scared for you 23:10 You need to budget! 26:10 Are you serious? 31:10 Clean up this mess 36:22 Please just do this... 43:19 Don't even think about it 49:18 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices

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