cover of episode 126. “We have $30k of CC debt. Why did we buy a $10k timeshare?” (Part 2)

126. “We have $30k of CC debt. Why did we buy a $10k timeshare?” (Part 2)

2023/10/17
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Ramit Sethi: 本期节目讨论了Cristina和Ron夫妇的财务状况，他们面临着信用卡债务、冲动消费等问题。Ramit Sethi分析了他们的财务状况，指出他们购买了价值1万美元的分时度假产品，以及高额的终身寿险保单，这些都是不合理的财务决策。他还建议他们制定还款计划，并自动化付款，优先偿还高利息债务。Ramit Sethi还建议他们取消不必要的订阅服务，并寻找按小时收费的理财顾问。 Cristina: Cristina承认他们在财务决策方面缺乏经验，并表示愿意做出改变。她表示，他们已经取消了终身寿险，并降低了一些固定成本，例如电话费。他们计划将节省下来的资金用于投资和偿还信用卡债务。 Ron: Ron也意识到他们过去在财务决策上的错误，并表示愿意与Cristina一起努力改善财务状况。他表示，他们已经将摩托车出售，并将所得资金用于偿还债务。 Cristina: Cristina承认他们在财务决策方面缺乏经验，并表示愿意做出改变。她表示，他们已经取消了终身寿险，并降低了一些固定成本，例如电话费。他们计划将节省下来的资金用于投资和偿还信用卡债务。 Ron: Ron也意识到他们过去在财务决策上的错误，并表示愿意与Cristina一起努力改善财务状况。他表示，他们已经将摩托车出售，并将所得资金用于偿还债务。

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Ramit Sethi announces his new book 'Money for Couples' and discusses the importance of couples discussing and understanding their financial situation.

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It’s time to get tactical in this energetic follow-up episode with Cristina and Ron. Building on their story, we unpack their three most glaring money mistakes—a percentage-based financial advisor, whole and term life insurance, and a $10,000 timeshare vacation plan.

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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).