cover of episode The Dumbest Couple I’ve Ever Met | Financial Audit

The Dumbest Couple I’ve Ever Met | Financial Audit

2024/6/17
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Financial Audit

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People
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Michael
帮助医生和高收入专业人士管理财务的金融教育者和播客主持人。
S
Sam
通过削减开支、获取电销职位和启动咨询业务,实现从零开始的企业家之旅。
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。
Topics
Sam 认为夫妻共同理财有助于逐步偿还债务,并主张节俭储蓄,规划未来。她对 Michael 的消费习惯和财务决策感到不满,认为他过于冲动,缺乏计划性,例如购买新款手机和车辆,以及在未告知她的情况下购买房产和偿还部分债务。她希望尽快偿还债务,即使没有0%利率也无所谓。她对 Michael 在未告知她的情况下购买房产和偿还部分债务的行为感到非常不满,认为这缺乏沟通和信任。 Michael 则认为可以利用0%利率的期限延长还款时间,建议先存钱,到最后期限再还清债务。他喜欢购买电子产品和车辆,经常升级换代,并认为购买三英亩土地和建造房屋是为未来做打算。他承认在财务规划上与 Sam 存在分歧,但认为自己也做出了牺牲,例如承担了房屋建造费用。他并不认同 Sam 的节俭观念,认为需要负债才能获得财富,并为自己的消费习惯和财务决策进行辩解。 Michael 认为可以利用0%利率的期限延长还款时间,并建议先存钱,到最后期限再还清债务。他喜欢购买电子产品和车辆,经常升级换代,并认为购买三英亩土地和建造房屋是为未来做打算。他承认在财务规划上与 Sam 存在分歧,但认为自己也做出了牺牲,例如承担了房屋建造费用。他并不认同 Sam 的节俭观念,认为需要负债才能获得财富,并为自己的消费习惯和财务决策进行辩解。他认为通过负债来获得资产,例如购买房产,是值得的,即使短期内需要承担高额债务。他还解释了购买摩托车和水上滑梯的原因,以及使用信用卡偿还债务的逻辑,虽然这些解释并不被主持人认可。

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