cover of episode 135. "It could cost us $50k to have a baby. Can we afford it?"

135. "It could cost us $50k to have a baby. Can we afford it?"

2023/12/19
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I Will Teach You To Be Rich
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People
E
Em
K
Kate
R
Ramit Sethi
Topics
Kate：作为主要财务规划者，Kate 详细阐述了他们面临的财务挑战，包括高额的 IVF 费用、婚礼信用卡债务以及房屋净值信用额度贷款。她表达了对 Em 在财务方面缺乏参与和了解的担忧，以及由此产生的焦虑和压力。她希望 Em 能够更积极地参与财务决策，并共同承担责任。 Em：Em 承认她在财务方面比较被动，并且在面对财务问题时倾向于回避和逃避。她解释了这种态度的根源，包括她成长过程中对金钱缺乏了解以及对财务变化的恐惧。她表示愿意改变，并开始更积极地参与财务管理。 Ramit Sethi：Ramit 作为理财专家，对 Kate 和 Em 的财务状况进行了分析，肯定了他们的积极方面，例如高收入、积极的储蓄和投资习惯，并指出了他们需要改进的地方，例如高额债务和缺乏财务沟通。他鼓励他们保持积极的态度，并通过改善沟通和财务规划来实现财务目标。 Kate: Kate详细描述了他们面临的财务困境，包括高额的IVF费用、婚礼信用卡债务以及房屋净值信用额度贷款。她表达了对Em在财务方面缺乏参与和了解的担忧，以及由此产生的焦虑和压力。她希望Em能够更积极地参与财务决策，并共同承担责任，而不是仅仅在财务状况良好时才参与讨论。她还强调了他们需要制定一个更有效的财务计划，以应对当前的债务和未来的开支。 Em: Em承认她在财务方面比较被动，并且在面对财务问题时倾向于回避和逃避。她解释了这种态度的根源，包括她成长过程中对金钱缺乏了解以及对财务变化的恐惧。她表示愿意改变，并开始更积极地参与财务管理。她还分享了她对他们财务状况的担忧，以及她希望能够更有效地与Kate沟通财务问题。 Ramit Sethi: Ramit对Kate和Em的财务状况进行了全面的分析，肯定了他们的积极方面，例如高收入、积极的储蓄和投资习惯，并指出了他们需要改进的地方，例如高额债务和缺乏财务沟通。他鼓励他们保持积极的态度，并通过改善沟通和财务规划来实现财务目标。他帮助他们重新审视了他们的财务状况，并提供了具体的建议，例如如何更好地管理债务、如何制定更有效的储蓄和投资计划，以及如何改善他们的财务沟通。

Deep Dive

Chapters
Ramit Sethi introduces his new book 'Money for Couples' and discusses how couples can align their financial strategies and visions.

Shownotes Transcript

Kait is 36 and Em is 35. They’re married and pursuing IVF as a means to expand their family. But a misalignment on money stands in the way of a truly shared vision for their future. Em shuts down and delegates responsibility. Kait frantically checks accounts and worries about daily spending.

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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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