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cover of episode Making Good Financial Decisions Is Hard (but Worth It)

Making Good Financial Decisions Is Hard (but Worth It)

2023/11/29
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The Ramsey Show
AI Deep Dive AI Chapters Transcript
People
C
Connor
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。
R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
Topics
Cameron: 我父母卖房后有钱，想帮我付清房贷，问我是否愿意。 Rachel Cruze 和 Jade Warshaw: 虽然家人借钱可能利息较低，但弊大于利。这会模糊家庭界限，使家庭关系复杂化。即使没有发生负面事件，也会影响家庭成员之间的关系。例如，父母可能会对子女的消费习惯产生疑问，即使子女没有做错任何事。建议不要向家人借钱，如果经济允许，可以接受家人的馈赠。 Jade Warshaw: 向家人借钱买房弊大于利，会影响家庭关系。即使出发点是好的，但最终结果往往会很糟糕。借钱会影响家庭关系，因为家人会关注你的还款情况，并可能会对你的消费习惯产生疑问。建议不要向家人借钱，如果经济允许，可以接受家人的馈赠。

Deep Dive

Chapters
Cameron considers taking a loan from his parents to pay off his house, but the hosts advise against it due to potential strain on family relationships and financial complications.

Shownotes Transcript

Rachel Cruze & Jade Warshaw answer your questions and discuss:

  • "Should I take out a loan from a family member?"

  • "Should I have more than $1000 in Baby Step 1,"

  • "My parents lost their business, how can I help?"

  • "The real truth about Christmas gifts,"

  • "How should I save for a house?"

  • Why it's sometimes hard to make wise money decisions

  • "I'm scared to tithe while on Baby Step 2,"

  • "I'm not happy with our affordable vacations,"

  • "My husband is about to file bankruptcy"

  • "Should I leave my job?"

  • "How can I best pay off debt?"

  • "Should we cash out investments to pay off debt?"

  • "Should we move closer to family?"

  • "I'm $42K in debt and just lost my job"

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