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cover of episode You Can’t Win with Money if You Keep Borrowing It

You Can’t Win with Money if You Keep Borrowing It

2025/5/12
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The Ramsey Show

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People
A
Amanda
B
Blake
G
George Kamel
从负净值到百万富翁的个人财务专家,通过播客和书籍帮助人们管理财务。
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。
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。
R
Rachel
S
Shannon
Topics
Amanda: 我发现我父亲在我不知情的情况下,以我的名义办理了52万美元的高息抵押贷款。我感到非常震惊和困惑,不知道该如何处理这种情况。我咨询过律师,但他们说因为我签署了授权书,我父亲的行为在法律上是允许的。现在我面临着资不抵债的房产和高额的债务,我不知道该如何摆脱困境。 George Kamel: 这听起来像是欺诈行为,你应该咨询律师,并以书面形式通知贷款机构,这些贷款是在未经你同意的情况下发放的,并且滥用了授权书的权力,你对债务的有效性提出异议。如果无法摆脱困境,你需要制定一个偿还债务的计划,并努力增加收入。 Jade Warshaw: 你可能需要按照婴儿步骤来解决这个问题,虽然这会让你感到痛苦,但你可以做到。你需要找一个租金不超过你收入25%的地方,这样你就有足够的空间来偿还债务。同时,你也需要增加收入,并按照从小到大的顺序偿还债务。

Deep Dive

Shownotes Transcript

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George Kamel & Jade Warshaw answer your questions and discuss:

  • "How do I get out of $520K in mortgages that my deceased father took out in my name?"

  • "My wife told me she wants a divorce. Should we stop paying off debt?"

  • "How specific should a budget be?"

  • "Should I pay off my HELOC in Baby Step 1 or 6?"

  • "I can't get life insurance due to a heart transplant so should I invest more instead?"

  • "I've been stuck on Baby Step 1 for three years. How do I stabilize my finances?"

  • "My husband and I disagree on how to pay for our beach house. What should we do?"

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