cover of episode 151. “Our gas is about to get shut off, but I refuse to sell any of my 7 cars”

151. “Our gas is about to get shut off, but I refuse to sell any of my 7 cars”

2024/4/9
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I Will Teach You To Be Rich
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People
M
Megan
P
Peter
R
Ramit Sethi
Topics
Peter：我们面临严重的财务压力，Megan 不愿寻求更高的收入，这让我非常沮丧。我们已经收到水电费停用的通知，并且已经拖欠了一个月的房贷。我尝试过和她沟通，但她总是说她很满意现状。我觉得她没有意识到问题的严重性，我甚至想过离婚。 我努力工作，换了工作，收入有所提高，但我仍然无法独自承担所有的经济压力。我需要她的帮助，但她不愿意改变。我爱她，但我不知道还能坚持多久。我感到非常焦虑和绝望，不知道该怎么办。我所有的努力都只是让我们勉强维持生计，我厌倦了这种生活。 Megan：我承认我们的财务状况很糟糕，但我对财务管理不擅长，而且我害怕承担风险。我从小在优越的环境中长大，父母从未与我讨论过财务问题，所以我对财务知识缺乏了解。我害怕换工作，因为担心新工作薪水较低，而且我习惯了目前的工作。 我理解Peter 的压力，但我不知道该如何帮助他。我试图节约开支，但效果有限。我更倾向于简单直接的解决方法，例如剪优惠券，而不是复杂的财务规划。我缺乏掌控感，所以我会把事情交给Peter 处理。我爱Peter，我希望我们能够解决这个问题，但我不知道该如何做。 Ramit Sethi：Peter 和 Megan 的问题不仅仅是财务问题，更是他们对金钱的认知和态度问题。Megan 缺乏财务管理能力，并且依赖Peter；Peter 则沉迷于他的爱好，并且不愿意放弃他的七辆车。他们对财务状况缺乏清晰的认识，并且缺乏解决问题的动力。 他们需要诚实地面对现状，采取积极的行动来解决问题。他们需要卖掉一些不必要的物品，例如手表和鱼缸，来缓解经济压力。更重要的是，Megan 需要找到一份薪水更高的工作，而Peter 需要改变他对金钱的看法，并且愿意放弃一些不必要的开支。他们需要共同努力，才能走出困境。

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Ramit Sethi announces the release of his new book 'Money for Couples' and discusses its content, emphasizing the importance of couples aligning their financial strategies.

Shownotes Transcript

Peter and Megan, 36 and 37, are married with no kids but severe financial stress threatens their future together. Peter has grown to resent Megan’s unwillingness to seek a higher income. He’s changed jobs, but won’t consider selling any of their seven vehicles to alleviate their stress.

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Links mentioned in this episode

• “I pretend things are fine, but we’re 2 months from going bankrupt” #78)

• “We 4x’d our salary as COVID nurses. The experience haunts us. So does the money” #75)

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