We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode You CAN Break the Cycle of Debt Holding You Back

You CAN Break the Cycle of Debt Holding You Back

2024/1/11
logo of podcast The Ramsey Show

The Ramsey Show

AI Deep Dive AI Chapters Transcript
People
C
Chase
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。
Topics
Chase夫妇面临40.5万美元的债务,其中包括30万美元的房贷。Dave Ramsey建议他们专注于偿还除房贷外的7.6万美元债务,并按照《完全理财改造》中的婴儿步骤进行操作,即先建立1000美元的紧急基金,然后按从小到大的顺序偿还债务。他还建议他们可能需要兼职来加快还款速度。Jade Warshaw补充说,重要的是要保持积极的态度,并坚持按照步骤操作,因为这是积累财富的最快方式。 Dave Ramsey强调了制定预算和控制支出以偿还债务的重要性。他还建议Chase夫妇暂时忽略房贷,专注于偿还其他债务。他认为,通过严格的预算和控制支出,他们可以在一年或两年内还清除房贷外的债务。他还建议他们可以出售一些资产,例如汽车,以加快还款速度。

Deep Dive

Chapters
Chase and his wife are $405,000 in debt, including a mortgage, and are seeking advice on how to manage and reduce their debt.

Shownotes Transcript

Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • "I'm $400k in debt...what do I do next?"

  • "How can I avoid student loans?"

  • "How can I encourage others to get out of debt?"

  • "I'm worried that my help has been a waste,"

  • "How can I buy a car while paying off debt?"

  • "Starting over after a divorce,"

  • "Do I need life insurance if I have no income?"

  • "Should I move out on my own?"

  • "Should I sell my business?"

  • "Paying off debt while in college,"

  • "How should we set up our estate plan?"

  • "Should I quit my job to be a stay-at-home mom?"

  • "I don't know how to move forward financially,"

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Support Our Sponsors:

Find a Ramsey Trusted Real Estate Agent: Click Here)

Protect yourself with the right coverage—take our coverage quiz!)

Want a plan for your money? Find out where to start: Click Here)

Listen to all The Ramsey Network podcasts: Click Here)

Interested in advertising on The Ramsey Show? Click Here)

Learn more about your ad choices. https://www.megaphone.fm/adchoices)

Ramsey Solutions Privacy Policy)