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cover of episode Live Like No One Else So You Can Live Like No One Else!

Live Like No One Else So You Can Live Like No One Else!

2023/12/22
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The Ramsey Show
AI Deep Dive AI Chapters Transcript
People
A
Alex
通过在《Mac Geek Gab》播客中分享有用的技术提示，特别是关于Apple产品的版本控制。
B
Brent
B
Brittany
C
Chris
投资分析师和顾问，专注于小盘价值基金的比较和分析。
C
Clara
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。
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。
L
Levi
M
Max
M
Megan
R
Rebecca
S
Sarah
个人财务专家，广播主持人和畅销书作者，通过“Baby Steps”计划帮助数百万人管理财务和摆脱债务。
S
Steven
参与了与前谷歌CEO埃里克·施密特关于AI、算法和创业的深入讨论。
Topics
Levi：我背负20万美元学生贷款，年收入11.5万美元，月收入约6800美元。我的学生贷款利率为9%，再融资后利率会在7%到7.5%之间。我想知道我是否应该立即再融资，或者等待利率下降。我已经偿还了信用卡债务，汽车也已还清。我目前的租金是1250美元，但我想升级到更好的公寓，租金约为2000美元。 Ken Coleman：建议考虑整合联邦贷款，权衡立即整合与等待利率下降的利弊，因为整合只有一次机会。建议在偿还20万美元债务前，不要增加租金支出，因为这会超过其收入的25%。 Jade Warshaw：建议在偿还债务前，避免增加租金支出，因为这会影响其偿还债务的速度。建议权衡升级公寓与偿还学生贷款的利弊，优先考虑偿还债务。建议在现有预算中寻找更多节余空间，并努力增加收入以更快地偿还债务。建议努力增加收入，并更积极地偿还债务，目标是在四年内偿清20万美元债务。

Deep Dive

Chapters
Levi is considering refinancing his $200,000 student loan debt to a lower interest rate, but is unsure if it's the right move.

Shownotes Transcript

Jade Warshaw & Ken Coleman answer your questions and discuss:

  • "Should I refinance my student loans?"

  • "Am I being too intense?"

  • "Should we give money in Baby Step 2?"

  • "How do I handle a loan with my ex-husband?"

  • "Should I quit my day job?"

  • "How do I start paying off my credit cards?"

  • "How can we cash flow a baby?"

  • Buying a house while paying off debt,

  • "I owe my sister $20,000,"

  • Jade shares party budgeting tips for Christmas,

  • "What should I do after paying off debt?"

  • "Should I sell my car?"

  • "How do I pay off debt & build wealth?"

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