cover of episode 145. “Am I a bad mom if we can’t do a $7k Disney trip?”

145. “Am I a bad mom if we can’t do a $7k Disney trip?”

2024/2/27
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Christine
D
David
波士顿大学电气和计算机工程系教授，专注于澄清5G技术与COVID-19之间的误信息。
R
Ramit Sethi
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Christine：由于离婚后对孩子的愧疚感和对家人的过度迁就，导致她难以对孩子和家人的要求说不，并养成过度消费的习惯。她认为消费能够带来快乐和美好的回忆，并且通过信用卡支付来解决超支问题，但没有意识到这会造成长期的财务问题。她希望能够帮助家人，即使她自己也有财务问题。她担心如果对孩子说不，会成为一个不称职的母亲。 David：他认为Christine和孩子们在家庭开支方面过于迁就，导致财务状况堪忧。他希望避免信用卡债务，并为未来做好财务规划。他认为他们有能力支付单独带孩子去旅行的费用，但没有在旅行前设定预算，导致了超支。他担心他们目前的消费习惯会影响未来的财务状况，特别是David即将退休。他认为他们需要作为夫妻团队共同努力，设定明确的财务目标和计划。 Ramit Sethi：Ramit Sethi 指出Christine和David的财务问题源于无法设定界限、缺乏共同的财务愿景以及缺乏决策流程。他认为他们冲动消费，并且没有意识到消费习惯会代代相传。他建议他们设定明确的财务目标，并作为团队共同努力，解决财务问题。他帮助他们识别了根源问题，并引导他们建立更健康的财务关系。

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Ramit Sethi introduces his new book 'Money for Couples' and discusses the importance of talking about money in relationships.

Shownotes Transcript

Kristin is 32 and David is 38. They share five kids in a blended family and David is getting close to military retirement. The problem is their spending—fueled by emotions alone, they make purchase after purchase, soaring over set budgets and putting the future of their family at risk.

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