cover of episode The Number 1 Thing Holding People Back Financially

The Number 1 Thing Holding People Back Financially

2024/9/16
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George Kamel
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George Kamel
从负净值到百万富翁的个人财务专家，通过播客和书籍帮助人们管理财务。
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George Kamel：通过对18000多份调查问卷的分析，我发现人们普遍认为阻碍其财务状况的主要因素并非通货膨胀或经济环境等外部因素，而是自身可控的因素，例如缺乏理财规划、消费习惯、债务管理等。许多人将责任归咎于外部因素，例如税收、高房价、高医疗费用等，但这些因素并非不可克服。通过合理的预算规划、控制支出、增加收入以及改善个人财务习惯，人们可以有效地改善财务状况。例如，提前还清抵押贷款、控制外出就餐的频率、减少不必要的宠物开支等，都是改善财务状况的有效途径。此外，他还建议人们在帮助他人之前，应优先解决自身财务问题，并强调了教育储蓄和健康储蓄账户的重要性。 George Kamel：他还指出，虽然养育孩子、高额的大学学费以及医疗保险不足等因素会对财务状况造成影响，但这些都是阶段性的问题，可以通过合理的规划和控制来应对。例如，为子女的大学教育提前做好储蓄规划，利用教育储蓄账户或529计划来积累资金，并鼓励子女参与其中，减轻家庭负担。对于医疗保险不足的问题，他建议使用健康储蓄账户（HSA）来缓解压力。总而言之，George Kamel 认为，人们应该关注自身可控的因素，通过合理的理财规划和行为调整来改善财务状况，而非将责任推卸给外部因素。

Deep Dive

Chapters
The episode explores the biggest financial obstacles people face. After surveying over 18,000 people, the results reveal some surprising and humorous answers.
  • Over 18,000 people responded to a survey about financial obstacles.
  • The top answer was kept secret to encourage viewers to watch until the end.

Shownotes Transcript

💵 Start your free budget today. Download the EveryDollar app!) 

What’s holding you back financially? We asked. You answered. And spoiler alert, T-Swift may have been onto something when she said, “It’s me, hi. I’m the problem, it’s me.”

**Next Steps: ** 

Connect With Our Sponsors: 

  • This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web at https://joindeleteme.com/georg)e) and use code GEORGE for 20% off. 🙌    

  • This episode is also sponsored by Laurel Road. 💸 Open a high-yield savings account and make your savings work harder for you. Check it out here: https://www.laurelroad.com/george) 

  • This episode is also sponsored by Tello, a mobile service plan designed to save you money. Go to https://www.tello.com/george) for $5 off your first month of Tello’s unlimited data plan.

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