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cover of episode If You Don’t Have Money You Can’t Help Anyone Else

If You Don’t Have Money You Can’t Help Anyone Else

2024/10/16
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The Ramsey Show

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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。
T
Tony
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Topics
Tony:由于收入减少和医疗费用,负债累累,感到巨大的经济压力和对未来的担忧。 George Kamel:建议Tony出售多余的车辆和船只以偿还部分债务,并制定具体的财务计划,包括增加家庭收入,例如妻子寻找兼职工作。同时,建议Tony检查信用报告,以了解完整的财务状况,并使用EveryDollar等预算工具来规划财务。 Jade Warshaw:建议Tony即使负债累累,也可以开始使用预算工具,列出收入和支出,并制定还款计划。即使在经济困难的情况下,也可以通过出售资产、增加收入和制定合理的还款计划来摆脱债务困境。 George Kamel:即使收入减少,仍然可以通过出售资产来偿还债务。 George Kamel:制定具体的财务计划,并努力增加收入。 George Kamel:检查信用报告以了解完整的财务状况。 Jade Warshaw:即使负债累累,也可以开始使用预算工具来规划财务。

Deep Dive

Chapters
A truck driver with significant debt discusses his financial struggles and potential solutions, including selling assets to pay off debt.
  • Truck driver made $142,000 but now earns $55-60,000 due to health issues.
  • Has $110,000 in debt, including two trucks and a boat.
  • Suggests selling assets to clear debt and considering additional work to boost income.

Shownotes Transcript

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George Kamel & Jade Warshaw answer your questions and discuss:

  • "I'm in a lot of debt and behind on my payments,"

  • "Should I sell my house at half the value?"

  • "Should I keep my credit card?"

  • "How will having a baby change my budget?"

  • "What should we do with a whole life policy?"

  • "I'm worried that my boyfriend hasn't proposed."

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