cover of episode 155. “We have $22k in cc debt—but I want to renovate the house” (Part 1)

155. “We have $22k in cc debt—but I want to renovate the house” (Part 1)

2024/5/7
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
M
Morgan
P
Paul
投资专家和教育者，专注于小盘价值基金的分析和教育。
R
Ramit Sethi
Topics
Paul: 年轻时曾幻想自己会富有，对金钱缺乏规划意识，花钱大手大脚，总是轻描淡写地回避财务问题，认为努力工作后应该享受生活，并通过即时满足感来逃避财务压力。他认为自己小时候受到限制，所以现在渴望更多，对限制感到反抗。在面对财务问题时，他倾向于回避和逃避，并通过乐观的态度来掩盖问题。 Morgan: 她对财务状况感到焦虑和压力，并多次尝试与Paul沟通，但收效甚微。她认为Paul缺乏理财意识，花钱大手大脚，总是轻描淡写地回避财务问题，让她感到被忽视和不被重视。她希望Paul能够克制消费，并制定财务计划。她从小在财务方面受到良好的教育，但由于Paul的消费习惯，导致他们陷入财务困境。她希望Paul能够学习理财知识，并共同制定财务计划。 Ramit Sethi: 这对夫妻的财务问题并非源于个别消费，而是源于整体的财务状况和行为模式。Paul和Morgan的沟通存在问题，Paul总是回避问题，而Morgan则总是追问，导致争吵不断。Ramit建议他们应该先关注自身的心理状态，然后再关注财务数字。他指出，伴侣需要的是能力，而不是安慰，并建议他们制定预算，并认真审视他们的财务数字。

Deep Dive

Chapters
Paul and Morgan discuss their financial struggles, including $22k in credit card debt and their desire to renovate their house, highlighting their lack of a financial plan and frequent arguments.

Shownotes Transcript

Paul and Morgan, 37 and 33, find themselves in a painful loop of arguments and unchecked spending, putting the future of their young family at risk. We hear about destination concerts, ongoing renovations, and charged vacations—but it’s their fixed cost percentage that is most worrisome.

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Links mentioned in this episode

• “We have 2 kids, 3 cars...but only 1 month of savings" (Part 2))

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