cover of episode 128. “We have $285k in debt. Can we achieve financial freedom in 5 years?” (Part 1)

128. “We have $285k in debt. Can we achieve financial freedom in 5 years?” (Part 1)

2023/10/31
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
L
Lucas
R
Ramit Sethi
T
Trin
Topics
Ramit Sethi：本书旨在帮助夫妻在财务方面达成一致，涵盖如何谈论金钱、教育孩子理财以及财务规划等方面。同时，Ramit Sethi 还分享了个人理财经验，并对一些理财误区进行了分析，例如过度依赖快速致富的策略以及对房地产投资的盲目乐观。 Trin：Trin 的成长经历相对简单，从小被教育要节俭和储蓄，对信用卡持谨慎态度。她对财务状况的恶化感到震惊，并希望能够获得更多的财务控制权。她与 Lucas 在财务管理方面存在严重分歧，这源于他们不同的成长背景和理财理念。 Lucas：Lucas 来自一个艰难的家庭背景，他追求快速致富，并采取了高风险的投资策略，例如利用信用卡进行投资和消费，以及过度投资房地产。他承认自己过去犯了一些错误，但仍然坚持自己的投资理念，并希望通过购买租赁房产来实现财务自由。他与 Trin 在财务管理方面存在严重分歧，这导致了他们的财务状况恶化。 Ramit Sethi: 对Trin和Lucas的财务状况进行了深入分析，指出他们高额的固定成本（超过150%），并强调了他们需要采取更保守的理财策略。Ramit Sethi还分析了Lucas的投资策略的风险性，并建议他采用更稳健的投资方式，例如投资指数基金。同时，Ramit Sethi还对一些常见的理财误区进行了分析，例如盲目相信快速致富的策略以及对房地产投资的过度乐观。 Trin: Trin表达了对他们财务状况的担忧和沮丧，并强调了他们需要立即采取行动来解决问题。她对Lucas的投资策略缺乏信任，并希望能够在财务决策中拥有更多的话语权。 Lucas: Lucas承认他们的财务状况很糟糕，但他仍然坚持自己的投资理念，并认为可以通过创业来获得更高的收入。他表示，他会尽力为家庭提供更好的生活，但他对风险的承受能力过高，这导致了他们的财务状况恶化。

Deep Dive

Chapters
Trin and Lucas are 35 years old with two kids, facing financial instability due to Lucas's entrepreneurial risks and lack of financial transparency.

Shownotes Transcript

Trin and Lucas are 35 with two kids. They’re bleeding money but they don’t know why, or how to fix it. Lucas is an extreme entrepreneur, leading to trust issues related to his shocking risk taking and lack of transparency. Matters are complicated further by a fixed-costs percentage of 150%+.  

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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).

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