Gen-Z Girl Going Into Debt To Bang Boomers | Financial Audit
2024/9/25
Financial Audit
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Leah
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主持人
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Leah: 我是一名25岁的殡葬业从业者，与42岁的男友同居，男友失业且没有医疗保险，我的大部分收入用于支付高额租金和男友的医疗及生活费用，导致我信用卡债务累累。我努力工作，但我的财务状况仍然很糟糕，我每月收入2559美元，租金就占了48%，我还有两张信用卡债务，一张Discover信用卡欠款8353.29美元，一张Wells Fargo信用卡欠款5964.63美元，此外，我还与母亲共同承担了房车贷款，贷款金额70000美元，利率为14.29%。我母亲是残疾退伍军人，依靠残疾抚恤金和社会保障金生活，她无力偿还房车贷款，所以才以我的名义贷款。我努力偿还债务，但我的消费习惯不好，经常超支，我需要改变我的消费习惯，并寻求帮助来改善我的财务状况。
主持人: Leah的财务状况非常糟糕，她的高额租金、男友的医疗费用和不负责任的消费习惯导致她债务缠身。她需要立即采取行动，降低租金支出，控制消费，偿还债务。她应该与男友进行沟通，让他承担相应的责任，并寻求专业的财务规划建议。此外，她需要认真考虑房车贷款的风险，并寻求解决方案。Leah的消费习惯非常糟糕，她需要学习如何更好地管理财务，制定合理的预算，避免再次陷入财务困境。她应该利用各种资源，例如免费的预算和投资课程，来学习如何更好地管理财务。
Deep Dive
Leah, a 25-year-old funeral director, discusses her financial struggles. She reveals her high rent, a recent divorce, and her current boyfriend's unemployment due to health issues. Her boyfriend of several months quit his job and moved in with her but hasn't contributed financially.
- Leah makes $21.60 an hour and works a minimum of 40 hours a week.
- Her rent and utilities cost $1,234, which is 48% of her net income.
- She lives in Dallas, where the median rent for a one-bedroom apartment is $1,258.
- Her boyfriend is 42 years old and has been unemployed since moving in with her in April.
Shownotes Transcript