Ditch Debt Quickly so You Can Build Wealth Slowly
2024/9/19
The Ramsey Show
A
Amanda
A
Andre
B
Bill
B
Brenda
C
Chris
投资分析师和顾问，专注于小盘价值基金的比较和分析。
D
Dave Ramsey
帮助数百万人摆脱债务和实现财务自由的著名个人财务专家。
E
Elliot
J
Jacob
J
Jennifer
J
Josh
著名财务顾问和媒体人物，创立了广受欢迎的“婴儿步骤”财务计划。
K
Ken Coleman
帮助数千人通过职业评估和指导找到理想职业的广播主持人和职业顾问。
N
Nicole
Q
Quincy
T
Taryn
Brenda：夫妻俩负债25万（不含房贷），月收入9500美元，债务包括学生贷款、太阳能电池板贷款、汽车贷款和游泳池贷款。他们已经还清了3.6万美元的债务，但仍有很长的路要走。他们考虑卖掉房子来加速还债，因为房贷利率为2.75%。
Dave Ramsey：建议Brenda夫妇不要轻易卖房，除非万不得已。他们应该优先卖掉价值3.5万美元的汽车，并严格控制支出，例如停止经常外出就餐。Dave Ramsey强调，应该极度节俭，控制非必要支出，只有在尝试所有其他方法无效后才考虑卖房。
Ken Coleman：建议Brenda夫妇制定预算，最大限度地将收入用于还债，逐步增加每月还款额，最终在几年内还清债务。他建议他们尝试每月还款3000美元甚至更多，并强调这并非遥不可及的目标。
Dave Ramsey：除了房子，其他消费都是不明智的，应采取极端节俭措施，优先还清债务，而不是轻易卖掉房子。他建议他们每月还款4000美元到5000美元，甚至可以找兼职增加收入，并且完全停止任何非必要的开支，例如外出就餐和度假。只有在尝试了所有极端节俭措施后，如果仍然无法还清债务，再考虑卖房。
Deep Dive
Brenda from Tampa, Florida, seeks advice on managing a substantial debt of $250,000, excluding her mortgage. Dave and Ken suggest prioritizing aggressive debt reduction strategies over selling their house, including selling their car and drastically cutting expenses. They emphasize the importance of budgeting and focusing on eliminating debt before considering other options.
- Brenda has $250,000 in debt excluding her mortgage.
- Brenda and her husband have a household income of $9,500 a month.
- Dave and Ken advise against selling their house unless it becomes a last resort.
- They recommend selling their $35,000 car and drastically cutting expenses, such as eating out and vacations.
- Dave and Ken emphasize the importance of budgeting and maximizing debt payments.
Shownotes Transcript