cover of episode 114. “Why did we spend $40K on trips we can't afford?”

114. “Why did we spend $40K on trips we can't afford?”

2023/7/25
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
E
Emily
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。
R
Ramit Sethi
Topics
Emily和John是一对三十多岁的夫妇，育有一子，年收入20万美元，但长期以来存在不良的消费习惯，导致财务状况堪忧。他们意识到需要改变，并寻求Ramit Sethi的帮助。Emily从小在单亲家庭长大，母亲虽然努力工作，但理财能力不强，这对她产生了深远的影响。John则从小被祖父母抚养长大，祖父母的溺爱导致他对金钱缺乏重视。他们回顾了自身的成长经历和消费习惯，发现他们经常在无聊时花钱，以及在旅行等方面花费巨大，而没有意识到这些“幽灵成本”。他们意识到自己需要改变消费习惯，并开始学习理财知识，制定理财计划。 John起初对Ramit Sethi的理财建议持怀疑态度，但后来逐渐接受并积极参与。他意识到自己过去对金钱的认知过于简单，现在开始重视财务规划，并希望为儿子创造更好的未来。他希望能够负担得起旅行，并为家人提供经济支持，例如支付儿子的婚礼费用或帮助他支付首付。 Ramit Sethi在节目中引导Emily和John反思自身的消费习惯和理财观念，帮助他们建立富足生活的愿景，并提供具体的理财建议。他指出，他们需要控制固定支出，减少不必要的消费，并增加储蓄和投资。他还强调了自动投资的重要性，并鼓励他们学习理财知识，为未来做好规划。Ramit Sethi也分享了一些教育孩子理财的建议，例如让孩子参与到家庭理财中，从小培养他们的理财意识。

Deep Dive

Chapters
Emily and John, a couple in their mid-30s with a young son, struggle with breaking negative generational patterns and harmful spending habits despite a combined income of $200k.

Shownotes Transcript

Emily and John are in their mid 30s, living in Boston with their 2 year old son. Both coming from blue collar backgrounds, they’ve successfully broken many negative generational patterns thanks to a $200k combined income—but they struggle to break harmful spending habits. 

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Links mentioned in this episode

• Get Money Coaching with Ramit )

• Download the Conscious Spending Plan)

• Get my New York Times best-selling book)

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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).