cover of episode Smart Money Decisions Often Mean Sacrificing Today for Tomorrow

Smart Money Decisions Often Mean Sacrificing Today for Tomorrow

2025/5/2
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The Ramsey Show

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People
A
Ava
B
Bob
C
Crystal
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
一位尚未详细描述的个人。
J
Jerry
No specific information available about Jerry.
J
Josh
著名财务顾问和媒体人物,创立了广受欢迎的“婴儿步骤”财务计划。
L
Lee
一位活跃在音视频技术播客领域的专家和主持人。
N
Nicole
R
Robert
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。
Topics
Dave Ramsey: 我理解你的困境。你的家族企业即将倒闭,欠下16万美元债务,其中包括21500美元的租金、74500美元的PPP贷款和70000美元的家庭借款。你需要和你的家人协商,根据各自的持股比例来分配债务。首先,尝试与房东协商降低租金。其次,评估PPP贷款的个人担保责任,看看能否减少你的负担。最后,与你的岳父岳母协商,看看能否减免部分家庭借款。记住,要达成书面协议,确保所有参与者都同意。 你需要制定一个详细的还款计划,并根据你的家庭财务状况来调整。如果你的家庭没有足够的现金流来偿还债务,你可能需要考虑出售一些资产或寻求其他融资方式。记住,要优先偿还高息债务,并制定一个长期财务规划,以确保你的家庭财务安全。 Robert: 我面临一个棘手的家族企业债务问题。企业即将倒闭,我们欠下约16万美元债务,其中包括租金、PPP贷款和家庭借款。我和妻子持有30%的股份,需要在保护家庭财务的同时偿还债务。我已经尝试与房东协商租金,并建议岳父岳母减免部分家庭借款。但我的妻子是PPP贷款的唯一担保人,这让我非常担忧。我们需要一个公平合理的债务分配方案,并寻求法律或财务方面的专业建议,以确保我们的权益得到保护。

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**📈 **⁠__Are you on track with the Baby Steps? Get a Free Personalized Plan__⁠) 📱 Watch the full episode for free in the Ramsey Network app.)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

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How do we handle debts when dissolving a family business?

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Our mortgage is going to be 50% of our income

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Is it necessary to at some point get a credit card?

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Is it ok to enjoy our money while we're still young?

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Our landlord is starting to become hostile; should we move?

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When is an emergency fund no longer necessary?

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