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cover of episode Your Emergency Fund Is A Force Field Between You And Life

Your Emergency Fund Is A Force Field Between You And Life

2024/3/4
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The Ramsey Show

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People
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。
B
Brandon
为听众提供实用和可行的财务建议的金融专家和广播主持人。
D
Dakota
F
Frederick
G
George
广播和播客主持,专注于财务教育和咨询。
J
Jade
一位尚未详细描述的个人。
J
Jaden
L
Levi
M
Malaysia
M
Maria
M
Matthew
M
Maxwell
T
Taylor
Topics
Maria描述了其因购买吸毒者房屋而产生的债务和维修问题,并寻求解决债务和修复房屋的建议。她提到已收到部分赔偿,但仍需支付大量维修费用,并担心这会影响其信用评分。 George建议Maria优先偿还信用卡债务,剩余资金作为紧急备用金,房屋维修费用则通过现金流支付。他认为目前不必过于担心信用评分,优先解决债务问题。 Jade建议Maria目前不必过于担心信用评分,优先解决债务问题,未来购房也应以全款支付为目标。她认为偿还债务的同时,应避免未来再次借贷,以实现财务独立。她还强调房主应具备独自承担房租和房贷的能力,不应依赖室友。 George建议Maria优先偿还信用卡债务,剩余资金作为紧急备用金,房屋维修费用则通过现金流支付。他认为目前不必过于担心信用评分,优先解决债务问题。 Jade建议Maria目前不必过于担心信用评分,优先解决债务问题,未来购房也应以全款支付为目标。她认为偿还债务的同时,应避免未来再次借贷,以实现财务独立。她还强调房主应具备独自承担房租和房贷的能力,不应依赖室友。

Deep Dive

Chapters
Maria bought a home from a meth addict and is now in debt due to necessary repairs. The hosts advise her to pay off her credit card debt immediately and use the rest for an emergency fund and future repairs.

Shownotes Transcript

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George Kamel & Jade Warshaw answer your questions and discuss:

  • "I'm in debt from making repairs to a home I bought from a meth addict and don't know how to fix this mess"

  • Pick a Side: We're in Baby Step 7 and I want a new car, but my husband says we can't afford it

  • "We backed out of buying a house and the sellers want more earnest money than what was in the contract"

  • "My identity was stolen and I don't know what to do"

  • read more: What to Do if Your Identity Is Stolen -** **https://ter.li/fban9v)

  • When is it actually beneficial to sell your house to pay off debt?

  • "We're $100,000 in debt with a baby on the way and don't know how to fix this situation"

  • "I'm debt free but still feel like I'm broke and don't know what to do"

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