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cover of episode If You Live Fake Rich, You Will Become Real Broke!

If You Live Fake Rich, You Will Become Real Broke!

2025/1/31
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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。
R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
Topics
Alex: 我23岁,负债约9万美元,其中包括4.7万美元的汽车贷款,月供1200美元。我目前的年收入为6万美元,无力偿还债务。我正在考虑自愿放弃我的汽车,或者申请破产。 Rachel Cruze: 我不建议你申请破产。我们应该优先处理你的汽车贷款问题,而不是选择自愿放弃车辆。你可以尝试出售你的汽车,并偿还你欠款的差额。 George Kamel: 你的汽车贷款利率过高,这导致你背负了远超车辆价值的债务。即使自愿放弃车辆,你仍然需要承担剩余债务,因此寻找其他解决方案更为重要。你可以尝试向当地信用社申请贷款,以偿还汽车贷款差额并购买一辆更便宜的车辆。 Rachel Cruze: 你需要削减生活支出,并努力增加收入,才能摆脱困境。优先偿还汽车贷款,因为它占据了大部分债务,解决这个问题后,其他债务的偿还将更容易。

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

Rachel Cruze & George Kamel answer your questions and discuss:

  • "My mortgage is 50% of my income"

  • "My friend won't let me repay him"

  • "We're $412k in debt and I just lost my job"

  • "My sister-in-law passed without a will".

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