cover of episode 57. “I feel ashamed about having another child because we’re still renting”

57. “I feel ashamed about having another child because we’re still renting”

2022/8/23
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I Will Teach You To Be Rich
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People
J
Joe
面临上水汽车贷款，寻求多种解决方案以减轻财务负担。
R
Ramit Sethi
R
Rebecca
Topics
Rebecca: 由于居住空间有限，以及周围人对他们租房的评价，Rebecca 感到巨大的压力和焦虑。她认为目前的居住环境不适合他们日益壮大的家庭，并为此感到内疚。她将这种压力归咎于Joe，并通过发送抱怨信息来表达不满。她对家庭财务状况缺乏信心，犹豫是否购买房屋，也害怕面对真实的财务状况。她隐瞒了一些消费支出，是因为害怕承担责任和面对可能的财务困境。她童年时期家庭经济条件较差，对金钱有负面感受，这影响了她对金钱的认知和处理方式。 Joe: Joe 感到伴侣持续抱怨居住环境给他带来很大的压力。他认为购房决策需要夫妻双方共同承担责任，但对未来财务状况感到担忧，犹豫是否购房。他从小受到父亲的影响，认为男性应该承担家庭的经济重担，并习惯于解决家庭问题。他从父母身上学到了如何理财，以及如何避免过度消费，但他认为他们没有充分利用自己的财务资源。他担心家庭收入不足以应付目前的支出，并希望改善与妻子的沟通方式，消除彼此之间的负面情绪。 Ramit Sethi: Ramit Sethi 指出，人们对住房空间的需求，往往与实际经济能力脱节，导致各种问题。他分析了Rebecca 和 Joe 家庭收入有限，固定支出却超过收入，财务状况堪忧。他指出，夫妻在金钱问题上的分歧很常见，但持续的负面模式需要重视。他引导 Rebecca 和 Joe 关注自身需求，而非社会期望，并建议他们通过数据分析来解决财务问题。他鼓励他们主动参与财务规划，并寻求专业帮助来解决自身的心理问题。

Deep Dive

Chapters
Rebecca and Joe discuss their challenges with managing space and finances as their family grows, including their love for their neighborhood and the pressure to buy a home.

Shownotes Transcript

Rebecca and Joe have two young kids, and a third is on the way. They are renting at the moment and love the neighborhood they live in—but they both think they need more space to match their growing family. Should they keep renting? Buy a home? Move in with his parents? Their lease is up soon and the pressure is on (or so they think).

To complicate things, we find out that their fixed costs, alone, make up for 105% of their take-home pay. As a refresher, I recommend spending no more than 60% on fixed costs. But they’re spending more than they make every month. Something’s got to give.

They feel frustrated. They feel overwhelmed. They feel like failures as parents because they can't provide for their kids. There are many layers to this on both the financial side and the psychological side. Let’s dig in.

Connect with Ramit

If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here).

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