cover of episode Pathetic Simp Drowning In Debt For Mail-Order Wife | Financial Audit

Pathetic Simp Drowning In Debt For Mail-Order Wife | Financial Audit

2024/8/21
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Financial Audit
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People
C
Caleb
专注于提供金融教育和资源，帮助人们实现财务自由。
M
Mason
Topics
Mason: 我是一名29岁的工程师，住在加利福尼亚州山景城，目前负债累累，无家可归，住在租赁的汽车里。我月收入约4564美元，但由于缺乏财务规划和不合理的消费习惯，导致负债累累。我与女友订婚，她即将回国，这让我更加焦虑。我面临着汽车租赁到期、巨额债务以及女友来美国定居的费用等问题。我尝试过一些还债方法，但效果不佳，希望得到帮助。 我的债务包括：美国银行信用卡3793.77美元、亚马逊信用卡1415.70美元、美国银行信用卡3482.19美元、信用社贷款9851.63美元、苹果信用卡5793.57美元，以及汽车租赁到期后可能产生的额外费用。此外，我还需要支付医疗费用，包括586美元的救护车费用和即将到来的手术费用。我之前养了两只猫，花费了大约6000-7000美元的医疗费用，现在已经将它们送回收容所。我经营着一个设计T恤的副业，但目前亏损，每月支付300美元给印度的兼职员工。我缺乏财务规划意识，经常透支，消费习惯不合理，例如看电影、喝咖啡等。我目前最大的问题是无家可归，需要尽快解决住房问题。 Caleb: Mason的情况非常糟糕，他的财务状况混乱，消费习惯不合理，缺乏财务规划意识。他目前的困境是自身选择的结果，虽然我对他无家可归表示同情，但我对他的不负责任感到愤怒。他应该立即采取行动，改善财务状况，例如与人合租，减少不必要的开支，制定合理的还债计划，并寻求专业的财务帮助。 Mason应该停止不合理的消费行为，例如购买电影票、咖啡等奢侈品，并优先偿还债务。他应该认真考虑出售汽车，使用公共交通工具，并寻找更便宜的住房。他还应该学习有效的还债策略，例如滚雪球法或雪崩法。此外，他应该认真评估与女友的关系，以及女友来美国定居的可能性和费用，并制定合理的计划。他需要意识到自己的行为不成熟，并承担起责任。

Deep Dive

Chapters
Mason introduces himself and discusses his financial struggles, including his job, income, and living situation.

Shownotes Transcript

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