cover of episode 121. “He wasn’t supposed to have student loans. Now he has $157k.”

121. “He wasn’t supposed to have student loans. Now he has $157k.”

2023/9/12
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People
E
Elena
R
Ramit Sethi
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。
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Elena：由于巨额学生贷款，她感到巨大的压力和焦虑，并采取回避策略。这影响了他们的关系，包括婚姻、生育计划和日常沟通。她为了避免争吵，会隐瞒消费金额，导致沟通不畅和问题累积。 Sam：他对财务话题感到极度焦虑和压力，导致回避行为。学生贷款债务影响了他的情绪和与伴侣的互动。他从家庭成员那里学到了回避财务问题的习惯，这使得他难以积极面对债务问题。 Ramit Sethi：分析了他们的财务状况，并指出他们固定支出比例过高，导致他们对日常消费感到焦虑。他建议使用“conscious spending plan”来规划支出，并强调了解债务余额和利率的重要性。他还鼓励他们积极乐观地面对财务问题，并提供具体的理财建议，帮助他们逐步改善财务状况和夫妻关系。 Elena：他们面临的主要财务挑战是15.7万美元的学生贷款，以及过度消费。学生贷款债务严重影响了他们的关系，包括婚姻、生育计划和日常沟通。她为了避免争吵，会隐瞒消费金额，导致沟通不畅和问题累积。当支票账户余额低于1000美元时，她会感到恐慌。她倾向于低估消费金额以说服Sam同意支出，而Sam则倾向于拒绝额外支出。他们不确定其他夫妻是如何处理财务问题的。组建家庭后，他们意识到需要积极解决贷款问题，但与Sam的母亲同住对她的心理健康造成了负面影响。 Sam：他们面临的主要财务挑战是15.7万美元的学生贷款，以及过度消费。学生贷款债务严重影响了他们的关系，包括婚姻、生育计划和日常沟通。他对财务话题感到极度焦虑和压力，导致回避行为。学生贷款债务影响了他的情绪和与伴侣的互动。他从家庭成员那里学到了回避财务问题的习惯，这使得他难以积极面对债务问题。他倾向于拒绝额外支出。他们不确定其他夫妻是如何处理财务问题的。 Ramit Sethi：分析了他们的财务状况，并指出他们固定支出比例过高，导致他们对日常消费感到焦虑。他建议使用“conscious spending plan”来规划支出，并强调了解债务余额和利率的重要性。他还鼓励他们积极乐观地面对财务问题，并提供具体的理财建议，帮助他们逐步改善财务状况和夫妻关系。

Deep Dive

Chapters
Sam and Elena discuss how Sam's student loan debt was supposed to be paid by his grandmother but wasn't, leading to a significant financial burden.

Shownotes Transcript

Alana and Sam, 37 and 36, have two kids and $157,000 in student loans—loans which his mother assured would be paid. They haven’t been. Instead, the debt has tripled since he left school. Their home life has suffered as a result, as the family currently lives with Sam’s mom to save money.

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