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cover of episode Your Future Self Is Counting on You

Your Future Self Is Counting on You

2025/6/24
logo of podcast The Ramsey Show

The Ramsey Show

AI Deep Dive AI Chapters Transcript
People
C
Cindy
C
Curtis
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。
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
Laura
L
Lori
M
Mackenzie
S
Stephanie
无具体信息
S
Stetson
Topics
Stephanie: 我和丈夫正在审查财务状况,我们有信用卡债务、汽车贷款和一些储蓄。我丈夫想从他的退休储蓄中提取资金来偿还债务,但我认为还有其他方法,比如处理汽车贷款。 Ken Coleman: 从退休金中取钱不可行,因为会被征税。你应该按照婴儿步骤来做,先存1000美元的储蓄,然后用复仇的方式攻击最小的债务。 Jade Warshaw: 我不赞成从退休金中取钱,即使不是他所有的钱。我们可以迅速解决债务问题,特别是通过处理汽车贷款。你应该查一下你的卡车的私人售价是多少,如果可以卖个好价钱,就卖掉它。你可以卖掉卡车,凑集5000美元买一辆便宜的卡车,或者把卖卡车的钱用来还SUV的贷款。如果卖掉卡车后没有资不抵债,就买一辆现金卡车。

Deep Dive

Chapters
A military family with significant credit card and auto loan debt considers withdrawing from retirement savings. The hosts advise against this, suggesting alternative strategies like selling a vehicle and using the savings to pay down debt using the debt snowball method.
  • Using retirement savings to pay off debt is financially unwise due to taxes and fees.
  • The debt snowball method, starting with the smallest debt, is recommended.
  • Selling a vehicle to reduce debt quickly is suggested.

Shownotes Transcript

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Ken Coleman and Jade Warshaw answer your questions and discuss:

  • "We have $340,000 of debt, how do we get out of this?"

  • "I'm about to be laid off, should I find another job or just retire?"

  • "How much can I spend now without hurting my future self?"

  • "My mom told me I'm her retirement plan. How do I tell her I can't do this?"

  • "How do I control my husband's spending when we have separate finances?"

  • "I had a stroke and it wiped out all my money and now I'm about to be homeless. What do I do in this situation?"

  • "I just found out my fiancée has $65,000 of debt. Should I help her pay it off now?"

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