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cover of episode If You Want to Build Wealth, Stop Acting Like Everyone Else

If You Want to Build Wealth, Stop Acting Like Everyone Else

2025/1/24
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The Ramsey Show

AI Deep Dive AI Chapters Transcript
People
B
Bobby
B
Brandi
C
Chase
J
Jake
考虑在低收入年份进行 Roth 转换以优化税务规划。
K
Ken Coleman
帮助数千人通过职业评估和指导找到理想职业的广播主持人和职业顾问。
K
Kevin
通过《AI For Humans》播客,推广和解释最新的艺术智能技术和趋势。
M
Madison
M
Megan
R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
R
River
T
Tyler
如何处理负资产汽车贷款的几种策略和挑战。
Topics
Megan: 我想咨询如何与我的百万富翁岳父母谈论遗产规划,他们不愿意与我和丈夫进行对话,但声称他会和他的兄弟在他们去世后得到照顾。我们想知道在他们去世或需要长期护理的情况下,如何处理他们的资产,因为涉及多处房产和一家公司。 我的丈夫已经和他们谈过,但他们明确表示不想让我参与。我们与他们的关系还可以,但谈不上亲密。丈夫的兄弟未婚。 我们主要担心的是多处房产和一家公司,我们不知道在他们去世或需要长期护理的情况下该如何处理这些资产。 Ken Coleman: 由于岳父母不愿意谈论遗产规划,所以没有特别的策略可以帮助他们改变主意。建议Megan模拟一下继承房产后的情况,并列出需要了解的信息,然后对房产进行调查,了解如果现在继承这些房产需要知道哪些信息。Megan只能控制自己能控制的事情,无法强迫岳父母透露信息,应该专注于与丈夫兄弟的关系维护,共同规划未来,以防未来出现纠纷。应该尊重岳父母不让她参与的界限,不要试图强迫他们透露信息,放下对岳父母遗产规划的焦虑,因为她无法控制此事。 Rachel Cruze: 应该弄清楚Megan真正想知道什么,并假设岳父母愿意谈论此事。应该弄清楚Megan想要了解哪些信息,以及她与岳父母的沟通情况。Megan应该和丈夫的兄弟沟通,共同规划未来。应该维护好与丈夫兄弟的关系,以防未来出现纠纷。Megan应该尊重岳父母不让她参与的界限。作为外人,应该谨慎处理家庭财产问题。岳父母不让她参与遗产规划,说明他们之间的关系并不好。岳父母可能只是很私密的人,与关系好坏无关。

Deep Dive

Chapters
The episode starts with Megan's question about how to discuss estate planning with her multimillionaire in-laws who are unwilling to have a conversation. Ken and Rachel offer advice on how to approach the situation and gather necessary information without causing tension. They emphasize respecting the in-laws' boundaries and focusing on what Megan can control.
  • Estate planning discussion with uncooperative in-laws
  • Importance of respecting boundaries
  • Focus on gathering necessary information strategically

Shownotes Transcript

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Ken Coleman & Rachel Cruze answer your questions and discuss:

  • "Our millionaire in-laws are unwilling to discuss their will,"

  • "My fiancée and I have $155k of debt,"

  • "My fiancée grew up in a different money culture – how do I get her on board with the Baby Steps?"

  • "How do I use my investments to build a home?"

  • "I feel selfish for working so much to pay off debt,"

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