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cover of episode You Can't Outearn Your Stupidity

You Can't Outearn Your Stupidity

2024/1/18
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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。
G
George Campbell
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。
Topics
George Campbell: 许多人认为自己已经财务自由,但实际上他们的理财计划并不奏效。作者在书中揭示了导致人们破产的陷阱,并提供了解决方案。摆脱困境需要个人责任,而不是依赖他人。一些公司利用不正当手段,损害消费者的利益。信用评分和信用卡是导致债务问题的因素之一。现代债务体系的历史相对较短,人们对债务的痴迷是相对较新的现象。“正常”的理财方式并不好,应该寻求改变。 Dave Ramsey: 改变思维模式,才能改变行为,最终获得希望,实现财务自由。负面思维会阻碍人们摆脱困境,而希望则能帮助人们克服困难。制定计划并树立正确的信念能有效降低焦虑感。金钱是一种工具,而不是障碍。不要参与债务游戏,要追求财务自由。不应该为投资房产借钱。应该尽快偿还投资房产的抵押贷款。投资房产存在风险,应该谨慎对待。投资房产时,债务越少越好。

Deep Dive

Chapters
David from San Bernardino, California, is considering using his savings to pay off his investment property or buy a second one. Dave advises against borrowing for investment properties and suggests paying off the existing mortgage quickly.

Shownotes Transcript

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • "Should I pay off my investment property or buy another?"

  • "Will we ever be able to get a house?"

  • "My girlfriend is going to take on $250k of debt,"

  • "My bills are more than my income,"

  • "I feel aimless with my money, what should I do?"

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