cover of episode Don't Cheat Tomorrow for Today's Whims

Don't Cheat Tomorrow for Today's Whims

2024/2/7
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Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
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Kisa:作为一名旅行护士,年收入约12万美元,想在偿还3.8万美元债务后,在稳定工作和继续旅行工作之间做出选择,希望在未来组建家庭。 Ken Coleman:建议Kisa考虑在阿肯色州担任医院的正式员工,年薪约6万美元。如果旅行工作不影响她的社交生活和寻找伴侣,建议她继续旅行工作,积累财富,并在找到合适的伴侣后再考虑稳定下来。 Rachel Cruze:建议Kisa在偿还债务并建立紧急储备金后,再考虑转为稳定工作。她认为,在29岁这个年纪,Kisa仍然可以享受旅行工作带来的乐趣,并在经济上获得更多保障。等到30多岁时,如果她对旅行工作感到疲倦,她将有足够的经济实力来支持她过上更稳定的生活。

Deep Dive

Chapters
Kisa, a traveling nurse, is considering a pay cut to settle down and start a family. The hosts advise her to pay off her debt first, build an emergency fund, and then reassess her career choice.

Shownotes Transcript

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Ken Coleman & Rachel Cruze answer your questions and discuss:

  • How to decide if you should take a pay cut to spend more time with family.

  • The real risks of taking out a HELOC to build another home.

  • The reality of fighting through shame to gain financial freedom.

  • Why working two full-time remote jobs is more exhausting than beneficial.

  • The best ways to navigate life after medical emergencies.

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