cover of episode 50. “Maybe buying this condo was a mistake” (Part 2)

50. “Maybe buying this condo was a mistake” (Part 2)

2022/7/5
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I Will Teach You To Be Rich
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People
E
Elena
E
Eric
通过四年的激进储蓄和投资，实现50岁早退并达到“胖FI”状态。
R
Ramit Sethi
Topics
Eric：购置公寓并非明智之举，应优先考虑年轻人的生活方式和旅行等爱好，而非房贷。他们面临着来自社会和亲友的压力，但更重要的是要根据自身实际情况做出选择，而不是盲目跟风。 Elena：起初他们支持购房决定，认为卖房不是最佳方案。他们宁愿承担经济损失和社会压力，也不愿大幅削减生活开支。他们认为购置公寓并未真正建立起他们之间的联系，反而限制了他们的生活。但他们也意识到，卖掉公寓后，他们有机会建立更宏大的目标，并最终买到合适的房子。她担心卖房会影响到周围人的看法，并带来负面评价，担心卖房后会遭到朋友和家人的批评和质疑，也担心在社会看来，卖房是一种倒退，会面临来自外界的压力。公寓是他们共同拥有的重要象征，因此卖房的决定让她感到困难。她仍然很重视来自亲朋好友的建议，即使他们的财务状况并不理想。她父母坚持购房的观念源于他们早年购房获利的经历，但时代背景不同，不能直接套用。她需要时间来理清情绪，并从理性角度思考问题。 Ramit Sethi：购房是财务决策，需要理性分析数据，同时也要考虑自身感受。父母的建议需要结合当时的时代背景和财务状况进行评估。不要理会他人的负面评价，坚持自己的财务决策。人生有不同的阶段，理财策略应该适应不同阶段的需求。他们应该在享受生活的同时，进行储蓄和投资。他们目前的财务状况不允许他们继续维持高额的公寓支出。不要为了追求长远目标而牺牲当前的生活质量。应该根据自身实际情况做出财务决策，避免等到情况危急时才做出选择。建立理财系统比空谈重要，系统能自动分配资金，减少负罪感，提高效率。他们应该自信地向他人解释卖房的决定，无需过多解释。要提前做好应对他人质疑的准备，这是一种心理策略。他们应该将卖房视为一次宝贵的经验教训，而不是失败。他们应该团结一致，共同面对未来的挑战。他们应该根据自身生活阶段调整财务策略，享受生活。

Deep Dive

Chapters
Eric and Elena discuss their financial situation, revealing that their condo purchase has led to significant financial strain due to unexpected costs and a lack of savings.

Shownotes Transcript

In part 2 of Elena and Eric’s story, we learn about the deep emotional ties that Elena associates with the condo that’s draining their savings account—and why she’s so anxious about outside opinions in the event they decide to sell it. 

To recap, they’re 25 and make $160k/year combined. They love to go to music festivals and bought a condo (with a down payment gift from their parents) about seven months ago. “Society” tells them that’s great, so they think they’re doing great.

They’re not. Between transaction fees, mortgage, and maintenance, the purchase has bombarded them with phantom costs that require them to spend $2,000 a month from their savings to stay above water. At this rate, they’ll be broke in two years.

No amount of cutting back on sushi or music festivals will solve this problem. This one’s all about money psychology. Eric and Elena have some tall emotional hurdles to get over before they can make the right decision and stand confidently in their truth to outsiders. Listen in to see if they can commit to selling their home and living their Rich Life. 

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