cover of episode How Are You Going To Change Your Life This Year?

How Are You Going To Change Your Life This Year?

2024/1/2
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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。
G
George Kamel
从负净值到百万富翁的个人财务专家，通过播客和书籍帮助人们管理财务。
Topics
Dave Ramsey：摆脱经济困境需要个人主动解决，而不是依赖他人。设定目标时，需要具体、可衡量、有时限，并将其写下来，确保目标是自身的，而不是为了取悦他人。建议在七个领域设定目标：财务、智力、家庭、精神、身体、职业和社交。高收入者破产的原因是缺乏理财规划和控制支出。改变生活方式需要牺牲，但最终会带来更多平和与自信。为了未来的美好生活，需要现在做出牺牲。高收入者有能力摆脱财务困境，关键在于改变行为模式。不建议为了少量贷款减免而长期背负债务。建议将贷款减免款项存入储蓄账户，避免债务束缚。建议先偿还债务，再进行投资。认为永久性人寿保险作为财富积累工具是一种合法骗局。在破产申请90天内进行资产转移可能被视为欺诈。建议用现金购买设备，避免再次负债。父母的债务通常不会继承给子女。 George Kamel：摆脱贫困的关键不在于收入，而在于理财行为。将个人生活视为一项事业，制定收入、支出和利润目标。生活需要平衡，但平衡不意味着无所事事，而是要在各个领域都取得成功。大多数新年目标难以坚持，关键在于设定目标的方式。将个人生活视为事业，以更高的责任感对待目标。建议在结婚后一年左右再考虑买房。

Deep Dive

Chapters
Dave Ramsey explains the importance of setting specific, measurable, and time-bound goals, emphasizing that personal finance is 80% behavior and 20% head knowledge.

Shownotes Transcript

Dave Ramsey & George Kamel answer your questions and discuss:

  • Setting goals that actually work,

  • "How do we stop living paycheck to paycheck making $130k a year?"

  • "How should I plan to buy a house?"

  • read more: First-Time Home Buyer’s Complete Guide),

  • "Should we wait for student loan forgiveness?"

  • "How can I ditch my universal life policy?"

  • "Should we buy a failed business?"

  • "How can I talk to my husband about money?"

  • "My parents are in financial ruin,"

  • "How can I pay off debt with 90% interest?"

  • "Do your parents' debts pass on to you?"

  • "What's the best way to invest $200K?"

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