Building Wealth Is About Building Good Habits and Sticking to Them
2024/10/2
The Ramsey Show
A
Ash
C
Caitlin
D
Daniel
软件开发专家，专注于编程和技术博客写作。
D
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。
D
Denise
D
Dennis
J
Jill
获得艾美奖和格蕾西奖的商业分析师，主持“Jill on Money”播客和广播秀。
M
Melissa
R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
Daniel: 咨询破产是否明智，家庭负债3.5万美元，年收入8万美元，尝试还清债务三年未果。
Dave Ramsey: 根据Daniel的财务状况，不建议破产，因为他有能力偿还债务。破产并非道德或宗教问题，而是财务上的不必要选择。虽然Dave Ramsey自己经历过破产，但他不鼓励他人这样做，除非在财务上确实没有其他选择。建议Daniel夫妇严格控制开支，减少不必要的消费，例如外出就餐和度假；制定详细的预算，并寻找额外的收入来源；采取激进的措施来摆脱债务困境；使用EveryDollar应用程序和Financial Peace University来帮助管理财务。
Deep Dive
A caller asks about bankruptcy. Dave and Rachel discuss options for getting out of debt, including budgeting, selling assets, and side hustles. They emphasize hope and offer resources like EveryDollar and Financial Peace University.
- Bankruptcy is a major negative life event and shouldn't be taken lightly.
- With an income of $80,000 and $35,000 in debt, bankruptcy isn't necessary.
- Creating a detailed budget and cutting expenses are crucial for debt reduction.
- Selling assets and picking up extra jobs can accelerate debt payoff.
- EveryDollar and Financial Peace University are helpful resources for managing finances.
Shownotes Transcript