cover of episode 139. “I’m afraid he’ll leave if I don’t stop stressing about the budget” (Part 1)

139. “I’m afraid he’ll leave if I don’t stop stressing about the budget” (Part 1)

2024/1/16
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
B
Brad
联合创立了伯克利麦金塔用户组，并推动了麦金塔社区的发展。
R
Ramit Sethi
S
Sandra
Topics
Ramit Sethi: 本期节目讨论了Sandra和Brad夫妇的财务问题，他们面临着高收入后的财务压力和沟通障碍。Ramit Sethi分享了他即将出版的新书《Money for Couples》，旨在帮助夫妻在财务方面达成一致，并建议读者阅读他的著作《I Will Teach You To Be Rich》来改善财务状况。他还分析了Sandra和Brad夫妇的财务行为和心理，指出Sandra对金钱的过度控制和焦虑，以及Brad对传统投资方式的失望和对高风险投资的渴望。 Sandra: Sandra详细描述了她对家庭财务的严格管理，包括她制作的详细电子表格和对每一笔支出的严格控制。她对无法达到自己设定的预算目标感到内疚和压力，并经常与丈夫就财务问题发生争吵。她童年时期的经历和父母对金钱的态度也影响了她对金钱的看法。 Brad: Brad表达了他对妻子对金钱的焦虑和每月财务讨论的沮丧。他认为自己多年来一直努力赚钱养家，但妻子的焦虑让他感到不满。他回顾了他们过去的高收入和高消费，以及收入下降后他们仍然保持高消费水平的情况。他还谈到了他们将卖房所得的大部分资金投资于高风险的石油项目，以及他对此投资的风险评估和预期回报。 Ramit Sethi: Ramit Sethi 指出Sandra的详细财务系统是为了获得控制感，但这并没有改变他们的财务状况。他建议关注高价值领域，例如设定富裕生活目标、制定适当的预算类别和监控方式，以及确定储蓄率和债务还清日期等重要问题。他还分析了Sandra和Brad夫妇的财务行为和心理，指出Sandra对金钱的过度控制和焦虑，以及Brad对传统投资方式的失望和对高风险投资的渴望。他理解Brad选择高风险投资的原因，并指出人们在感觉落后时，往往会做出越来越冒险的决策。

Deep Dive

Chapters
Sandra and Brad discuss their financial history, including their high income fluctuations and the impact on their lifestyle and relationship.

Shownotes Transcript

Sandra is 46. Brad is 48. They have four children and are living a high lifestyle as a result of two generational income explosions tied to Brad’s work in the home lending industry. That variance, though, seeded issues in their money psychology—leading to risky investments and trust issues.

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“He put our $1M into one risky investment. Will we lose it all?” (Part 2))

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