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cover of episode When to Pivot: Closing a Business, Reinventing a Career, and Selling Real Estate

When to Pivot: Closing a Business, Reinventing a Career, and Selling Real Estate

2025/5/2
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky

AI Deep Dive Transcript
People
D
Dawn
J
Jean Chatzky
K
Karen
Topics
Jean Chatzky: 我建议不要过早动用401k、年金和社保金,应让这些退休收入来源有时间增长。对于社保金,每推迟一年领取,你的福利就会增加8%。 对于Dawn,我建议先找一份工作,同时尝试重拾配音工作,暂时不要动用401k和年金,并用积蓄买车。零售业现在很缺人,你应该不难找到工作。 对于Karen,我建议出售丹佛的房产,并将资金进行投资,因为丹佛房产市场存在风险,而且出售房产可以为他们提供更多财务自由。你们已经为退休储备了足够的资金,出售房产可以进一步提升你们的财务安全感,并让你们有更多机会去追求新的生活体验。在出售房产时,不要低估房价,应咨询房产经纪人以获得合理估价。尽早出售房产,以避免资本利得税。 Dawn: 我经营的礼品店连续亏损,销售额下降40%,预计2025年情况不会好转,因此决定关闭它。我面临着关闭礼品店、更换车辆和退休规划等问题,需要权衡如何使用现有资金,包括401k、年金和社保金。我计划找一份兼职工作,同时尝试重拾配音工作来增加收入。 Karen: 我和丈夫在疫情初期购买了丹佛的一套房产,现在面临是否出售该房产的抉择,因为丈夫的工作变成远程办公,我们考虑搬回华盛顿州。我们担心出售丹佛的房子后,未来无法再回到那里退休。丹佛的房子升值很多,出售可以获得可观的收益,但我们也担心错过潜在的长期投资机会。我们目前的财务状况良好,但出售房产可以为我们提供更多财务自由,让我们有更多机会去追求新的生活体验。

Deep Dive

Shownotes Transcript

In this AMA Mailbag episode, Jean sits down with two thoughtful guests navigating major financial crossroads. First up is Dawn from Joshua Tree, who is in the process of closing her beloved but unprofitable gift shop. Then we hear from Karyn in Washington, who owns a rental home in Denver and is torn between keeping it as an investment or selling it while market conditions are strong.

💡 Topics Covered:

  • Knowing when to shut down a business

  • How to prioritize expenses during a life transition

  • Rebuilding a career in your 60s

  • Real estate decisions during uncertain markets

  • Navigating capital gains tax rules

  • Letting go of “forever home” fantasies to fund future goals

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