cover of episode You Have To Sacrifice Now To Win in the Future

You Have To Sacrifice Now To Win in the Future

2024/1/1
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People
B
Buvana
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
Jessica
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。
K
Kelsey
K
Ken Coleman
帮助数千人通过职业评估和指导找到理想职业的广播主持人和职业顾问。
L
Luke
警惕假日季节的各种欺诈活动，确保在线交易安全。
M
Matt
无足够信息构建一句话概述
S
Sarah
个人财务专家，广播主持人和畅销书作者，通过“Baby Steps”计划帮助数百万人管理财务和摆脱债务。
Topics
Dave Ramsey：在购买想要的东西（例如更大的房子）之前，应该优先偿还债务，因为收入是积累财富最重要的工具。为了尽快摆脱债务，应该努力工作并尽可能节俭生活。搬到更大的房子是想要而非需要，应该优先偿还债务。如果不解决债务问题，即使搬到更大的房子，也会一直困在中产阶级。 Robin： 他们需要更大的空间，因为他们有一个18个月大的孩子，并且计划很快再生一个孩子。妻子在家工作，也需要一个办公室空间。他们有55000美元的学生贷款和15000美元的信用卡债务，家庭年收入95000美元。妻子是财务分析师，丈夫在汽车制造业工作。他们每月支付1300美元的托儿费，这比他们的月供还高。 Robin: 他们希望在不增加债务的情况下搬到更大的房子，但他们不知道如何才能做到这一点。他们希望在不增加债务的情况下搬到更大的房子，但他们不知道如何才能做到这一点。

Deep Dive

Chapters
Robin and her husband are considering moving to a bigger house but also have debt. Dave advises them to focus on paying off their debts first before considering a move.

Shownotes Transcript

Dave Ramsey & Ken Coleman answer your questions and discuss:

  • "Should we sell our house to buy another one?"

  • "Should I buy my wife a new car?"

  • "My health insurance is $1500/month,"

  • "I'm a pastor, how can I increase my income?"

  • "Should I buy a $1m House"

  • "Pay off my house or focus on retirement?"

  • "How do I buy a house without credit?"

  • "Creating a budget for inconsistent income?"

  • "We loaned our son money that he won't pay back,"

  • "Should I tithe if I don't attend the church?"

  • "I'm having a moral conflict with my career,"

  • "Save extra in case my 529 runs out?"

  • "How do I discern if my new job is good or not?"

  • "Should we focus on finding good interest rates?"

  • "What should I do with an inheritance?"

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