cover of episode 162. “We panic over money—but spend $84K/year on travel and shopping”

162. “We panic over money—but spend $84K/year on travel and shopping”

2024/6/25
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
M
Maddie
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
Maddie：长期以来，我深受财务焦虑的困扰，尤其担心失业。我将这种焦虑转嫁到Paul身上，并对他施加压力，希望他能尽快找到工作。我明白理财的道理，但内心深处仍然害怕失去一切，这可能与我童年的经历有关。我父母对金钱的态度截然不同，一个极其焦虑，另一个则非常挥霍，并且隐瞒消费行为。我时常在挥霍和节俭之间摇摆，难以对消费感到满意。 Paul：我理解投资理财的知识，但情感上却难以接受动用储蓄。我之前创业失败，导致失业，这加剧了Maddie的焦虑。我更倾向于寻找一份令人满足的工作，即使需要时间，这与Maddie希望我尽快找到工作的想法有所冲突。我过去的工作压力巨大，严重影响了我的心理健康。 Ramit Sethi：Maddie和Paul的财务状况良好，但他们对金钱的态度却存在问题。Maddie不必要地承担了检查Paul求职进展的额外工作，这可能会导致长期问题。他们需要明确的共同财务目标，并根据意外情况进行调整。他们需要更谨慎地承担风险，并建立一个健康的缓冲区以应对未计划的风险。他们需要找到金钱问题的根本原因，而不是仅仅关注表面问题。他们需要明确自己的富裕生活愿景，并根据收入调整消费水平。他们应该通过一系列协调的决策来建立一个庞大的投资组合，以应对未来的不确定性。

Deep Dive

Chapters
Paul and Maddie discuss their financial concerns, particularly Maddie's stress over their finances since Paul left his job. They explore their spending habits and the impact of social expectations on their financial decisions.

Shownotes Transcript

Paul, 33, and Maddie, 29, joined us in New York City for a live-recorded episode. She is a high earner, but worries about lifestyle creep. He recently left his job, and they’re treading water on one income.

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