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cover of episode Everyone Makes Financial Mistakes – Don’t Let Yours Define You

Everyone Makes Financial Mistakes – Don’t Let Yours Define You

2025/5/22
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The Ramsey Show

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People
A
Annie
B
Brenda
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。
L
Lucas
R
Randy
Topics
Brenda:去年十月,我和丈夫做了一个愚蠢的决定,为了购买新房而申请了过桥贷款。我们的计划是卖掉旧房子来偿还贷款,但现在旧房子却卖不出去,贷款将在六月一日到期,利息已经累积到惊人的程度。虽然房地产经纪人说现在是买方市场,但我认为问题在于我们最初的定价太高了,而且买家可能在寻找更大的房屋。我们现在希望以99.5万美元的价格出售,但已经和买家签订了有条件合同40天,他们也在等待出售自己的房产。我担心我们可能需要自掏腰包来弥补差额,而且我不知道是否应该终止合同并重新上市。 Jade Warshaw:40天的时间不一定意味着交易不会成功,因为买家可能也在等待出售自己的房产。你可以要求你的房地产经纪人允许接受其他报价,并设定一个截止日期,以便更快地推进交易。如果你的房地产经纪人没有积极地帮助你解决问题,你可以考虑更换房地产经纪人。最重要的是,努力摆脱困境,与贷款人协商延期,不要经历取消抵押品赎回权。房地产经纪人需要更改列表状态以显示完全开放,这样才能吸引更多潜在买家。

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**📈 **⁠⁠⁠⁠⁠__Are you on track with the Baby Steps? Get a Free Personalized Plan__⁠⁠⁠⁠⁠) 📱 Watch the full episode for free in the Ramsey Network app.)

Jade Warshaw and George Kamel answer your questions and discuss:

  • "How do we move forward with a bridge loan and a house that isn't sold?"

  • "My wife wants a divorce. How do I handle my finances while going through this?"

  • Jade and George discuss their biggest financial mistakes,

  • "My husband and I don't agree on where to live in retirement. How do we come to an agreement?"

  • "Should I sign up for a debt relief program?"

  • "My realtor doesn't want me to sell my rental. Is she right?"

  • "How do I cut up my credit cards when I love the reward points?"

  • "My car was repossessed and sold. How do I pay off the balance now?"

  • "Is it wrong to sell my wife’s engagement ring and band ? "

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