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cover of episode You Don’t Have To Live Paycheck-to-Paycheck!

You Don’t Have To Live Paycheck-to-Paycheck!

2024/2/13
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The Ramsey Show

AI Deep Dive AI Chapters Transcript
People
A
Allie
帮助用户通过财务教育和应用程序改善生活质量的专业人士。
A
Angela
一位年轻的麦克阿瑟奖获得者,通过戏剧和小说探索局外人、文化冲突和阶级冲突的主题。
D
DJ
媒体人物,参与讨论和分析当前事件。
D
David
波士顿大学电气和计算机工程系教授,专注于澄清5G技术与COVID-19之间的误信息。
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。
H
Harold
J
Julian
J
Julie
K
Kayla
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。
L
Lincoln
R
Ryan
讨论创建自由派版本的乔·罗根的播客主持人。
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。
T
Tom
参与航空教育和培训的播客主持人
Topics
Lincoln: 一对夫妻在首次购房时,妻子希望等待并积累更多储蓄,而丈夫希望尽快买房,他们面临着投资与购房的权衡,他们目前有6万美金的存款,30万美金的购房预算,年收入14-15万美金,计划15年还清贷款。 妻子担心房屋的未知费用,希望首付达到50%。丈夫则担心房价上涨。 Ken Coleman: 建议列出不同首付比例下的预算,并比较两者差异,帮助妻子克服对未知费用的恐惧。同时,指出即使现在购房,也可以继续投资,并强调他们已经具备了购房的财务条件。 George Kamel: 考虑到房价上涨的趋势,建议尽快购房,因为等待可能会导致更高的购房成本。并建议列出房屋维修的预算,以消除妻子的担忧。

Deep Dive

Chapters
A couple with $80,000 saved and $50,000 in their 401k are debating whether to buy a house now or continue saving. They are advised to show their budgets side by side, consider the housing market trends, and address the wife's fears about unknown costs.

Shownotes Transcript

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George Kamel & Ken Coleman answer your questions and discuss:

  • "Should we buy a house or keep renting?"

  • "I just lost my job, what should I do?"

  • "What ever happened to haggling at car dealerships?"

  • "I'm 60 and having nothing in retirement,"

  • "How can I find a more fulfilling job?"

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