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Big Life Changes Demand Bold Money Decisions
2025/2/5
The Ramsey Show
Holly: 我和丈夫结婚17年,有五个孩子,还有一个即将出生。过去十年他在军队服役,为了家庭的稳定,他选择了退役,我也放弃了我的职业。现在他做着一份每周只能保证30小时的校车司机工作,收入很低,我们一直在努力还债。因为怀孕,我即将失去大部分收入,这让我感到非常害怕。我希望他能找一份更好的工作,但他也喜欢现在的工作,并且想成为一名教师,这意味着他需要重返学校,这对于我们目前的经济状况来说是不可行的。
John Deloney: 我理解你的担忧,但重要的是要区分你的真实痛点。是因为你觉得在其他妈妈面前说你丈夫是公交车司机让你感到不舒服?还是因为你觉得你一直在为家庭牺牲,而他没有尽到足够的责任?或者是因为你真的担心经济问题?重要的是要诚实地面对这些问题,并与你的丈夫进行开放和坦诚的沟通。
Rachel Cruz: 侧面来看,你现在最诚实的想法是,你害怕失去一半的收入。所以,你需要和你丈夫坐下来,一起制定一个详细的财务计划,诚实地评估你们的收入和支出,并确定你们是否能够负担得起他去当老师的梦想。如果不能,你们需要一起做出牺牲,并找到一个能够满足家庭需求的解决方案。
Deep Dive
Holly, a mother of five, is struggling financially due to her husband's underemployment. Despite his job satisfaction, Holly is stressed and scared about their financial future, especially with another baby on the way. The discussion focuses on the need for honest communication and financial planning.
- Holly and her husband have five children and another on the way.
- The husband works part-time as a school bus driver, despite having two degrees.
- The family is on baby step two of Dave Ramsey's plan.
- Holly is working 50 hours a week on side hustles to make ends meet.
Shownotes Transcript