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。
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。
John: 我有一笔5万美元左右的车贷，想尽快摆脱。我从Jeep和CarMax得到大约4.3万到4.4万美元的报价。
Dave Ramsey: 你需要考虑三个价格：批发价（你得到的报价）、个人出售价（可以通过Kelly Blue Book或Edmunds查询）和零售价（经销商的报价）。你的车可能值4.7万美元左右。你需要想办法筹集3000到3400美元的差价，要么用现金，要么贷款。尽快卖车，减少损失。
Ken Coleman: 你需要积极主动，尽快采取行动。汽车贬值很快，越早卖车损失越小。高额车贷相当于降低了收入，尽快摆脱车贷能获得相当于收入增加的效果。
Deep Dive
John from Dallas asks about his $50,000 car loan and how to get out of it. Dave Ramsey advises him to explore private sale options and borrow the difference if needed. Ken Coleman emphasizes the need for intensity and quick action to minimize further losses.
- Three options to consider when selling a car: wholesale, private sale, and retail.
- Private sale offers the best price; check Kelly Blue Book or Edmunds.
- Cars depreciate quickly; act fast to reduce the gap between loan and sale price.
- Borrowing a small amount to cover the difference and buying a cheaper car is an option.
- The longer you hold a depreciating asset, the more money you lose.
Shownotes Transcript