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cover of episode Stop Letting Excuses Steal Your Wealth

Stop Letting Excuses Steal Your Wealth

2025/3/3
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The Ramsey Show

AI Deep Dive AI Chapters Transcript
People
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
Jenny
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。
S
Steve
以深入的技术见解和长期的内容创作影响力,成为PC硬件和游戏社区中的重要人物。
Topics
我不建议使用退休金来偿还债务。提前支取退休金会面临罚款和税收,得不偿失。

Deep Dive

Chapters
A couple with 56,000 in debt considers using retirement funds. Experts advise against this, suggesting debt reduction through individual income and asset sales before tackling joint debt after marriage. The importance of starting a marriage with minimal debt is emphasized.
  • Using retirement funds incurs penalties and taxes.
  • Focus on individual debt reduction before joint efforts.
  • Selling assets like a truck can significantly reduce debt.
  • Prioritize existing debt over immediate school expenses.

Shownotes Transcript

**📈 **Are you on track with the Baby Steps? Get a Free Personalized Plan)

Ken Coleman & Jade Warshaw answer your questions and discuss:

  • "Should I use my fiancé's retirement to pay off debt?"

  • "We are overwhelmed by $150k of debt,"

  • "How do I pay off a credit card my parents gave me?"

  • "Should I get my parents to drop their universal life policy?"

  • "How do I talk to my fiancée about money?"

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