cover of episode I’ve Never Seen Anything Like This | Financial Audit

I’ve Never Seen Anything Like This | Financial Audit

2024/7/8
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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。
K
Kelsey
Topics
Kelsey: 我是一位46岁的单亲母亲,我的丈夫四年前去世,留下我独自抚养三个孩子。我目前在市政部门担任会计文员,每小时收入18.9美元。我的母亲和妹妹与我同住,她们也为家庭开支做出一些贡献。然而,我仍然背负着巨额债务,包括信用卡债务、医疗债务和房屋贷款。我吸烟成瘾,这不仅损害了我的健康,也增加了我的财务负担。我感到非常焦虑和无力,不知道该如何摆脱困境。我努力工作,但我的收入不足以支付所有的开支,我担心自己无法为孩子提供足够的保障,也无法为自己的退休生活做准备。我感到绝望和失败,不知道该如何改变现状。 Caleb: Kelsey 的财务状况非常糟糕,她的债务已经严重影响了她的生活质量。她需要立即采取行动,改变她的消费习惯,增加收入,并制定合理的财务计划。我建议她关闭所有信用卡账户,避免进一步的债务增加。她应该制定一个详细的预算,控制开支,并优先偿还高息债务。此外,她需要找到一份薪水更高的工作,以增加收入。她还应该戒烟,这不仅有利于她的健康,也能节省大量的开支。我将帮助她制定一个债务偿还计划,并提供财务方面的建议和支持。

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