cover of episode This Is What's Stopping You From Becoming Rich

This Is What's Stopping You From Becoming Rich

2024/1/11
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The Ramsey Show

AI Deep Dive AI Chapters Transcript
People
C
Chase
D
Dalton
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。
J
Jacob
J
Jay
J
John
一位专注于跨境资本市场、并购和公司治理的资深律师。
J
Juliette
K
Kyle
N
Nicole
R
Rachel
R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
S
Sam
通过削减开支、获取电销职位和启动咨询业务,实现从零开始的企业家之旅。
S
Stephen
参与讨论和测试苹果的AI图像生成工具,并在播客中分享技术经验。
V
Vincent
Topics
Victor: 我和妻子三年前购买了岳父销售的全寿险,目前已缴纳三年保费。我们已最大限度地投资了401k和Roth IRA,并最近购置了房产。岳父声称全寿险是一种免税的良好投资,但我们不确定这是否是最佳的理财方式。 Dave Ramsey: 我三十年来一直批评全寿险,认为它是金融界最大的骗局之一。我不建议为了取悦岳父而购买全寿险,但也不建议因此而破坏与岳父的关系。建议与妻子共同商讨,做出对你们最有利的决定。 Rachel Cruze: 全寿险的投资回报率极低,死亡后只支付面值,并非真正的免税投资。建议夫妻二人共同研究各种理财方式,做出适合自己的选择,并以温和的方式告知岳父你们的决定。

Deep Dive

Chapters
Victor and his wife are considering a whole life insurance policy from his father-in-law. Dave advises against it, emphasizing the importance of not damaging relationships over financial decisions.

Shownotes Transcript

Dave Ramsey & Rachel Cruze answer your questions and discuss:

  • "My father-in-law is trying to sell us whole life insurance,"

  • "My husband has an underpaying job and thinks our money is my responsibility,"

  • "Is it okay for my grandma to give me $30K and not the rest of my family?"

  • "Should I invest more or pay off my house?"

  • "Is there any hope for my finances?"

  • "Am I hurting my family's financial future?"

  • "Should we wait for student loan forgiveness?"

  • "Is a CD the safest place for an investment?"

  • "Should we sell before our yard is taken?"

  • "How do we navigate combining finances?"

  • "Should we lower our tithe?"

  • "Should I sell my rental property?"

  • "What's the fastest way to pay off a vehicle?"

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