cover of episode 106. “I’m about to make $300k but we might have to live in our car”

106. “I’m about to make $300k but we might have to live in our car”

2023/6/13
logo of podcast I Will Teach You To Be Rich

I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
C
Christina
创立了全球最大的麦金塔用户组，并推动了网络技术和硬件开发。
J
Jack
与Ramsey Network或Ramsey Solutions相关的个人，具体信息不详。
R
Ramit Sethi
Topics
Ramit Sethi: 本期节目的主要内容是帮助一对年轻夫妇Jack和Christina解决他们的财务问题。他们年收入20万美元，却背负着8.75万美元的信用卡债务，并且他们的消费习惯导致他们入不敷出。Ramit Sethi分析了他们的财务状况，并提出了相应的建议，包括制定预算、减少不必要的支出、偿还债务等。他还强调了夫妻之间进行财务沟通的重要性，以及建立共同理财目标的重要性。 Jack: Jack对他们的财务状况感到担忧，他担心收入增加后，支出也会增加，导致他们的财务状况没有改善。他希望能够控制支出，偿还债务，并为未来储蓄。他承认自己过去缺乏财务规划，并且在消费方面不够节制。 Christina: Christina承认自己是一个花钱大手大脚的人，她认为应该享受生活，即使这意味着要使用信用卡支付旅行费用。她表示，她过去没有意识到财务问题的严重性，并且在结婚后才开始更舒适地谈论金钱问题。她表示，她现在开始对理财感兴趣，并希望学习更多知识。她还解释了她的消费习惯与她的成长经历和家庭背景有关。

Deep Dive

Chapters
Jack and Christina discuss their financial challenges, including $87,500 in credit card debt and a potential income increase for Christina.

Shownotes Transcript

Jack and Christina are 33, both born in Russia. With two young kids, they’re looking ahead to number three and to buying a home. But they have $0 saved and $87,500 in credit card debt that they can only pay minimums on right now. Christina’s income triples soon, can it solve everything?

This episode is brought to you by:

Masterclass | For unlimited access to every class and 15% off an annual membership, go to https://masterclass.com/ramit).

DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit) for 20% off.

Ness Well | IWT listeners can get an extra 5K welcome bonus when they apply for the Ness Card at https://nesswell.com/ramit).

Methodology | Visit https://gomethodology.com/ramit) and use code RAMIT for 10% off your first order of Methodology

Links mentioned in this episode

• Get the Podcast Newsletter and exclusive Q&A about the show)

• Get my New York Times best-selling book)

• Get Money Coaching with Ramit )

Connect with Ramit

• Download the Conscious Spending Plan)

• Get my no-numbers journal)

• Other episodes)

• Instagram)

• Twitter)

• YouTube)

• Submit a question for the newsletter iwt.com/askramit) 

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here).

Produced by Crate Media).