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cover of episode Short-Term Thinking Keeps You From Building Long-Term Wealth

Short-Term Thinking Keeps You From Building Long-Term Wealth

2025/6/18
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The Ramsey Show

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People
C
Caleb
专注于提供金融教育和资源,帮助人们实现财务自由。
D
Dan
专注于加密货币和股票市场分析的金融专家,The Chart Guys 团队成员。
D
Dave Ramsey
帮助数百万人摆脱债务和实现财务自由的著名个人财务专家。
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。
J
John Deloney
以真实和同情心著称的播客主持人和心理咨询师,专注于关系和心理健康挑战。
J
Justin
No specific information available about Justin.
M
Megan
M
Mike
专注于摄影设备历史和技术的博客作者和播客主持人。
Topics
Megan: 我认为我的丈夫有烟瘾,这严重影响了我们的家庭财务状况,导致我们难以支付日常开支和储蓄。我担心如果我用现金支付了车贷,节省下来的钱也会被他花掉。我希望能够找到一个方法,既能帮助他戒掉烟瘾,又能保障我们的家庭财务安全。 Dave Ramsey: 我认为你对“瘾君子”的定义和我的不同,也许你丈夫只是偶尔抽大麻,喝点酒,每月花费大约500美元,如果你能接受,那和“瘾君子”是不同的概念。如果他不寻求帮助,你应该控制钱,因为他会让我们挨饿。你们需要找婚姻咨询师,确定他不是瘾君子,只是有使用习惯,或者他确实是瘾君子,你们需要离婚,为了孩子的安全。 Jade Warshaw: 如果你真的认为他是瘾君子,为了你和孩子的安全,你必须像对待瘾君子一样对待他,因为你不能让孩子和一个瘾君子住在一起。你丈夫的行为不稳定是什么意思?

Deep Dive

Chapters
A stay-at-home mom seeks advice on managing her husband's addiction while maintaining financial stability. The hosts discuss the severity of the situation and strategies to regain financial control.
  • Husband's addiction costs $6000 annually, recently doubled
  • Household income is $156,000, husband is sole provider
  • Wife is in control of finances but husband still accesses money for addiction

Shownotes Transcript

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Dave Ramsey and Jade Warshaw answer your questions and discuss:

  • "How can I get my husband to understand we can't afford groceries because of his drug addiction?"

  • "My dad wants to give me money for a house but I want to invest it instead. What should I do?"

  • "I currently have $130,000 in crypto, should I cash it out?"

  • "My girlfriend wants me to sign a prenup, but I don't want to"

  • "I'm worried about getting a bigger house. I think it will be too hard for us to take care of it, but we need it"

  • "When is it appropriate to tip?"

  • "How can we start a business when friends and family owe us so much money?"

  • "We are stuck in Baby Step 1 and living in a camper. What should we do to get out of this situation?"

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