cover of episode Debt Princess Begs Daddy To Save Her | Financial Audit

Debt Princess Begs Daddy To Save Her | Financial Audit

2024/10/21
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Financial Audit

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People
C
Caleb
专注于提供金融教育和资源,帮助人们实现财务自由。
N
Nina
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Nina:我辞去了公司工作,全身心投入在线健康健身教练事业,但收入不稳定,不得不动用401k养老金来维持生计。我理解动用401k会有罚款和税收,但我认为我的财务状况还不错,因为我还有养老金,而且我有很多可以抵扣的费用,比如差旅费、住宿费等。我计划申请报税延期,并相信随着客户数量的增加,我的收入也会增加。我从401k中提取资金是为了偿还信用卡债务和增加储蓄,这有助于缓解我的压力。我承认我的财务知识不足,但我相信自己能够改善财务状况。我注重生活体验,认为与朋友相处、参加音乐节等活动很重要。我购买SUV是为了方便携带宠物,进行医美是为了保持职业形象。我向父亲借钱是因为我辞去了工作,需要支付搬家费用。我向朋友借钱是因为她遇到了困难,需要帮助。 Caleb:Nina动用401k养老金的行为非常不明智,因为这会产生高额罚款和税收。她的在线教练工作收入具有季节性,而且她没有为税收预留足够的资金。她声称可以抵扣的费用比例过高,这会严重影响她的实际收入,并影响她未来申请贷款或租房的能力。她的支出远远超过了她的收入,其中很多支出属于不必要的“杂项支出”,这表明她的财务管理能力非常差。她没有将个人和业务财务分开管理,也没有设立商业账户。她从401k中提取资金的行为加剧了她的财务困境。她的乐观预期缺乏现实依据,她需要学习预算技巧和理财知识。她需要改变消费习惯,减少不必要的支出,并建立紧急备用金。她应该与父亲沟通偿还债务,并避免向财务状况不佳的朋友借款。她需要制定一个合理的财务计划,包括增加收入、降低支出、偿还债务和建立紧急备用金。

Deep Dive

Chapters
Nina, a 28-year-old online fitness coach in Austin, discusses her career transition from a corporate job. She explains her reasons for leaving, including a difficult work environment and personal circumstances.

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