cover of episode McDonald's Is More Important Than Her Child | Financial Audit

McDonald's Is More Important Than Her Child | Financial Audit

2024/10/4
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Financial Audit

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E
Elena
主持人
专注于电动车和能源领域的播客主持人和内容创作者。
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Elena: 我是一名银行质量控制代表,年薪34000美元,但我觉得不够。我每个月花费1200到2400美元,超过了我的收入。我与父母同住,他们帮我很多。我的孩子9岁,我需要支付他的托儿费。孩子的父亲偶尔会支付抚养费,但经常拖欠。我尝试过做预算,但我的方法不正确。我曾经动用401k账户来偿还债务,现在我的退休金账户余额只有14000美元。我拖欠了多张信用卡和贷款,信用评分降至530分。我听信了别人的建议,停止偿还一些债务,导致情况恶化。我意识到自己做错了,但改变起来很困难。我每月收入2000美元,但花费却远远超过这个数额,因为我经常外出就餐,购买一些不必要的东西。我试图控制支出,但总是失败。我需要帮助来改善我的财务状况。 主持人: Elena 的财务状况非常糟糕,她更重视满足自己的需求,而不是孩子的未来。她的预算方法不正确,消费习惯也很糟糕。她需要学习如何做预算,如何管理自己的财务,以及如何与孩子沟通关于财务方面的问题。她需要改变自己的消费习惯,减少不必要的支出,并偿还债务。她需要找到一份收入更高的工作,并建立一个紧急基金。她还需要与孩子的父亲沟通,确保他按时支付抚养费。Elena 的行为表明她缺乏财务纪律和责任感,这将对她的孩子和她的未来产生严重的影响。

Deep Dive

Chapters
Elena, a 34-year-old single mother, reveals her financial struggles while living with her parents. Despite earning $34,000 a year, she consistently overspends, prioritizing going out to eat over paying her debts. Her avoidance of financial responsibility and reliance on flawed budgeting methods have led to mounting debt and a declining credit score.
  • Elena earns $34,000 annually and lives with her parents.
  • She overspends by $400 monthly, prioritizing eating out over debt payments.
  • Elena admits to prioritizing fast food over her child's future.
  • She receives inconsistent child support payments.
  • Her budgeting method is ineffective and inaccurate.

Shownotes Transcript

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