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cover of episode Break the Paycheck-to-Paycheck Cycle

Break the Paycheck-to-Paycheck Cycle

2024/1/5
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The Ramsey Show
AI Deep Dive AI Chapters Transcript
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R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
Topics
Donovan：我目前有大约5万美元的学生贷款和6、7千美元的消费贷款，我想继续攻读临床心理健康咨询研究生学位，但我不想因此背负更多债务。 Jade Warshaw 和 Rachel Cruze：建议Donovan 优先偿还现有债务，建立稳定的财务基础后再考虑继续教育。攻读研究生学位是否值得，取决于其投资回报率。在偿还债务期间，可以考虑兼职增加收入，并储蓄足够的资金来支付研究生学费。 Rachel Cruze：在偿还债务的同时考虑继续深造，应优先偿还现有债务，建立稳定的财务基础后再考虑继续教育。

Deep Dive

Chapters
Donovan wants to go to grad school while paying off debt. The hosts advise him to focus on clearing his current debt before pursuing further education.

Shownotes Transcript

Jade Warshaw & Rachel Cruze answer your questions and discuss:

  • Going back to school while paying off debt,

  • Getting on the same page with a significant other,

  • "In dating, when do you discuss 'non-negotiables'?"

  • "What should I do after getting a pay raise?"

  • "How can I invest while in college?"

  • "Am I paying off my mom's debt the right way?"

  • What salary is considered "middle class"?

  • "Should we sell our rental properties?"

  • "What should I do as a recent college grad?"

  • "Should I take out a 0% interest loan?"

  • "Should we buy a house?"

  • "Where should we be saving for a house?"

  • "Invest or pay off our home before having kids?"

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