We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode Mailbag: FIRE, Family Finances, and Finding Freedom

Mailbag: FIRE, Family Finances, and Finding Freedom

2025/1/24
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
AI Deep Dive AI Chapters Transcript
People
J
Jean Chatzky
S
Shang Saavedra
Topics
Jean Chatzky: 我认为在投资之前，了解并处理你过去可能存在的金钱创伤至关重要。金钱创伤会严重影响你的财务决策，你需要弄清楚它的来源、何时出现以及如何影响你的行为，并想办法减轻它对未来选择的影响。 此外，退休后可以继续工作或寻找其他机会，赚钱不一定是坏事，它能带来更多机会，例如更广泛的旅行、更多慈善捐赠或帮助家人。 在确保自身退休金充足的前提下，可以考虑帮助子女偿还学生贷款，减轻他们的经济负担。处理金钱创伤需要了解其来源、影响和应对方法，避免将其传递给孩子。 根据4%法则计算退休所需资金，并结合个人实际生活成本进行评估。评估退休所需资金，需要考虑当前和未来的生活支出，以及医疗等额外费用。如果对现有财务顾问的建议有疑问，应寻求第二意见，并明确其建议背后的原因。可以考虑暂时减少工作时间或兼职，在照顾家庭的同时维持一定收入。 Shang Saavedra: 退休不是一个年龄，而是一个数字和一种心态。思考退休时，应该先问问自己如果钱不是问题，想做什么，然后倒推回去制定计划。 保持积极参与活动（工作、志愿者或照顾他人）对身心健康有益。不要因过去的财务错误而自责，要积极乐观地看待未来。 529账户适合提前规划子女教育金，但孩子已上大学则意义不大，建议与孩子沟通财务规划，培养其理财能力。 评估是否可以退休，需要考虑净资产、退休收入和每月支出三方面因素。

Deep Dive

Chapters
This chapter explores the FIRE movement, early retirement strategies, and the importance of mindset shifts. It emphasizes viewing retirement as a state of being rather than an age, and encourages listeners to consider what they would do if money were no longer a concern. The importance of maintaining mental health and engagement through work or other activities after retirement is also discussed.
  • Early retirement is achievable and not solely determined by age.
  • Retirement should be viewed as a state of mind and not just an age.
  • Maintaining mental health and engagement through work or other activities is crucial after retirement.

Shownotes Transcript

We’re diving into your FIRE questions with Shang Saavedra), author of Wealth is a Mindset) and a trailblazer in the FIRE (Financial Independence, Retire Early) movement. Shang achieved financial independence at 32 and is here to help you tackle everything from early retirement to overcoming money trauma.

We cover:

  • How to plan for retirement when the timeline feels uncertain.

  • The importance of viewing retirement not as an age, but as a state of mind.

  • Strategies for dealing with money trauma and shifting from a scarcity to an abundance mindset.

  • Advice for parents balancing their own savings with paying for their children’s college education.

  • How to make retirement a reality if you’re working in a toxic environment and want to leave.

Don’t forget to leave us a 5-star review on Apple Podcasts and subscribe to our newsletter at* Hermoney.com/subscribe*)!

*Have a question for us? Write to us (or send us a voice note!) at [email protected]). *

Learn more about InvestingFixx,) our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx), our money makeover program.

Learn more about your ad choices. Visit megaphone.fm/adchoices)