cover of episode Don’t Let Your Financial Mistakes Define You

Don’t Let Your Financial Mistakes Define You

2024/8/12
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People
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。
H
Hannah
一个在网络上表现活跃且具有复杂心理状态的个体。
Topics
Hannah: 我们欠税务局和州政府超过60万美元的税款，这让我们感到非常焦虑和不知所措。我们尝试过与税务解决公司合作，但他们收取了1万美元费用却什么也没做。我们目前正在按时缴纳税款。 Dave Ramsey: Hannah，不要理会那些不可信的税务解决公司，他们通常会利用人们的焦虑心理来骗取钱财。你的情况不适合申请债务减免（OIC），因为你们有能力偿还债务。你应该立即聘请一位专业的税务律师，与税务局协商一个合理的付款计划。你们拥有大约40万美元的房产净值，年收入也相当可观，这为你们偿还债务提供了良好的基础。如果协商付款计划仍然难以承受，你们可以考虑出售房产，用所得款项来偿还债务。虽然这会带来一些损失，但比起长期背负巨额债务带来的精神压力和财务风险，这将是更好的选择。记住，尽快解决这个问题至关重要，拖延只会让情况变得更糟。

Deep Dive

Chapters
Hannah and her husband owe the IRS $600,000 due to non-filing of taxes. Dave Ramsey advises selling their home with $400,000 equity to pay off a significant portion of the debt and negotiate a payment plan with the IRS through a tax attorney.

Shownotes Transcript

📱Finish today's episode for free in the Ramsey Network app.)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

  • "We owe the IRS $600,000,"

  • "How do I surprise my wife if we combine bank accounts?"

  • "I feel guilty for ever going in to debt,"

  • "Should I sell my truck to pay off debt and buy a ring?"

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