cover of episode Why "Finance Experts" Keep Saying Budgets Don't Work

Why "Finance Experts" Keep Saying Budgets Don't Work

2024/9/20
logo of podcast George Kamel

George Kamel
AI Deep Dive AI Chapters Transcript
People
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Dawn (Money Mom)
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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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Ramit Sethi
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Sarah
个人财务专家，广播主持人和畅销书作者，通过“Baby Steps”计划帮助数百万人管理财务和摆脱债务。
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未知发言人
Topics
George Kamel：许多人认为预算无效，这是一种误解。预算并非一成不变，而是灵活的工具，可以根据实际情况调整。坚持预算需要自律，这与健身或节食类似。预算能带来财务自由，大多数百万富翁都有预算。 Dawn (Money Mom)：预算的缺点在于其僵化性，例如无法充分利用购物时的特价商品。但George Kamel反驳说，预算的灵活性可以解决这个问题，可以根据需要调整不同消费类别的预算。 Ramit Sethi：预算过于繁琐，人们花费过多时间在细分预算类别上，而不是享受生活。他建议简化预算类别，专注于自动化储蓄。George Kamel认为，这其实也是一种预算方式，关键在于关注每一笔支出。 其他财务专家：一些专家认为预算难以长期坚持，收入不稳定的人不适合做预算，建议采用基于价值观的消费计划或自动储蓄。George Kamel认为，这其实也是预算的一种形式，只是换了个说法。预算的失败并非预算本身的问题，而是缺乏自律。 George Kamel: 许多人认为预算无效，这是一种误解。预算并非一成不变，而是灵活的工具，可以根据实际情况调整。坚持预算需要自律，这与健身或节食类似。预算能带来财务自由，大多数百万富翁都有预算。

Deep Dive

Chapters
The host challenges the notion that budgets are ineffective, citing the flexibility of budgets to adjust to changing circumstances and achieve financial goals.
  • Budgets are flexible and can be adjusted based on needs and opportunities.
  • A budget allows for prioritizing spending and achieving financial goals.
  • Saving money within a budget category can be used towards other financial objectives.

Shownotes Transcript

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

There’s a word for people who think budgeting doesn’t work—and that word is “wrong.” But in this video, we’ll hear what some of those people have to say about budgeting and set the record straight on why you need a budget. 

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