We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode Don’t Believe the Lie That You Need Credit To Survive!

Don’t Believe the Lie That You Need Credit To Survive!

2024/10/21
logo of podcast The Ramsey Show

The Ramsey Show

AI Deep Dive AI Chapters Transcript
People
G
George Kamel
从负净值到百万富翁的个人财务专家,通过播客和书籍帮助人们管理财务。
J
Jade Warshaw
从专业歌手到财务专家,Jade Warshaw 的故事激励众多人实现财务自由。
Topics
George Kamel:不需要信用就能创业,重点在于减少支出或增加收入。通过兼职或接私活可以增加收入,摆脱困境的关键在于减少支出或增加收入,最好两者兼顾。即使在年轻时犯错,仍然有足够的时间重建财务状况。应该避免使用信用卡,并使用自己的钱来进行消费,以避免陷入债务陷阱。 Jade Warshaw:面对困境时,关注事实能帮助人们走出情绪的泥沼,并意识到情况并非想象中那么糟糕。摆脱财务困境的唯一方法是降低开支或增加收入,或两者兼顾。与其试图还清高额车贷,不如想办法摆脱这辆车,即使这意味着需要贷款。应该避免使用信用卡,并使用自己的钱来进行消费。解决财务问题的关键在于增加收入。信用评分并非衡量财务成功的唯一标准,社会对信用评分的过度依赖是一个危险的趋势。

Deep Dive

Chapters
A 40-year-old man seeks advice on rebuilding his life after losing his business, marriage, and home due to COVID and divorce.
  • Lost business, marriage, and home due to COVID and divorce.
  • Currently an electrician making $80,000 to $90,000 a year.
  • Has $27,000 in debt to pay back.
  • Needs to create a budget and consider side hustles to increase income.

Shownotes Transcript

📱Watch the full episode for free in the Ramsey Network app.)

George Kamel & Jade Warshaw answer your questions and discuss:

  • "How do I start over at age 40?"

  • "My truck is taking over my budget,"

  • "Is it necessary to have a credit score?"

  • "My girlfriend is giving me an ultimatum based on who I vote for..."

  • "How do I financially prepare for a divorce?"

Support Our Sponsors:

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!)

**📈 **Are you on track with the Baby Steps? Get a Free Personalized Plan)

💵 Start your free budget today. Download the EveryDollar app!)

🎟️ See Dave and John LIVE in a city near you!)

☂️ Protect yourself with the right coverage—take our coverage quiz!)

Free tools and resources to find the right insurance for you)

Listen to more from Ramsey Network

🎙️ The Ramsey Show)**  **

🧠 The Dr. John Delony Show)

🍸 Smart Money Happy Hour)

💡 The Rachel Cruze Show) 💸 The Ramsey Show Highlights)

💰 George Kamel)

💼 The Ken Coleman Show)

📈 EntreLeadership)

Learn more about your ad choices. https://www.megaphone.fm/adchoices)

Ramsey Solutions Privacy Policy)