Life Is Too Short To Choose Money Over Happiness
2024/9/11
The Ramsey Show
B
Blake
J
Jade Warshaw
从专业歌手到财务专家，Jade Warshaw 的故事激励众多人实现财务自由。
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。
R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
S
Shay
Charles：我即将失业，我的大部分资产是非流动性的，例如退休账户和房屋净值。如果需要用钱，最好的方法是什么？
Jade Warshaw：你不应该从你的房子里提取资金，也不应该从退休金中提取资金，因为你将受到罚款和税收的影响。你应该专注于寻找新工作，而不是过度关注现有资产变现。你应该假装这些钱不存在，这样你才不会在关键时刻动用它们。
Rachel Cruze：除非是为了避免破产或房屋止赎，否则不应动用退休金。你应该专注于储蓄现金，增加紧急备用金，并积极寻找新工作。如果即将被裁员，你应该积极寻找更好的工作机会，无需过度担忧现有工作。提前做好财务规划，建立紧急备用金，可以有效应对突发事件，将危机转化为不便。
Deep Dive
Charles from Tulsa finds out he might be laid off in January. He's concerned about the illiquidity of his assets, including retirement and home equity. While he has three months of savings, he seeks advice on accessing those illiquid assets. The hosts recommend against touching retirement savings and home equity unless absolutely necessary, instead focusing on aggressive job searching and saving.
- Charles has three months of savings and is debt-free.
- He works in accounting and is expected to be laid off in January.
- Hosts advise against using retirement or home equity unless facing foreclosure or bankruptcy.
- Focus should be on job searching and increasing liquid savings.
Shownotes Transcript