cover of episode 185. “My fiancé has no savings at 43. Should we get married?”

185. “My fiancé has no savings at 43. Should we get married?”

2024/12/3
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
D
Dawn
R
Ramit
R
Richard
Topics
Dawn 48岁，Richard 43岁，两人目前月光族，财务状况堪忧。Dawn 超支在孩子和孙子孙女身上，Richard 由于过去一段失败的感情经历，在财务方面存在阴影，害怕花钱。两人订婚，但由于财务问题，婚礼一再推迟，也难以合并财务。Ramit 指出两人投资过少，储蓄高于投资，显示其理财知识匮乏，错失了大量投资机会。Ramit 分析了Dawn和Richard的收入、支出、资产负债情况，指出其固定支出过高，消费存在随意性，缺乏长远规划。Ramit 帮助Dawn和Richard分析了其财务状况，指出其收入虽然较高，但由于缺乏理财规划，导致财务状况不佳。Ramit 鼓励Dawn和Richard积极投资，并制定明确的财务目标和计划。 Richard 由于过去一段失败的感情经历，在财务方面存在阴影，害怕花钱。他与Dawn的财务观念存在差异，难以合并财务。他过去有良好的财务管理习惯，但由于前女友导致其财务状况崩溃，经历了漫长的财务重建过程。他目前收入较低，没有退休计划，对未来感到焦虑。他愿意与Dawn共同管理财务，但由于过去的经历，他缺乏信心。 Ramit 帮助Dawn和Richard分析了其财务状况，并提出了具体的建议，包括减少固定支出，增加投资，制定明确的财务目标和计划。Ramit 指出Dawn和Richard需要改变其财务行为模式，克服负罪感和冲动消费的习惯。Ramit 鼓励Dawn和Richard积极主动地管理财务，并为未来做好规划。Ramit 指出Dawn和Richard需要学习理财知识，并制定明确的财务目标和计划。Ramit 帮助Dawn和Richard计算了其退休后的收入，并指出其目前的财务状况不足以支持其退休生活。Ramit 鼓励Dawn和Richard做出改变，并为未来做好规划。

Deep Dive

Chapters
Dawn and Richard are engaged but struggling financially. Dawn overspends on her children and grandchildren, while Richard carries scars from a previous financial devastation. They need to find a way to merge their finances and plan for the future.
  • Dawn (48) and Richard (43) live paycheck to paycheck.
  • They have $25,000 in investments and $58,000 in savings.
  • Dawn makes three times Richard's income.
  • Richard has no retirement savings.
  • They postponed their wedding due to financial stress.

Shownotes Transcript

Dawn is 48, Richard is 43, and they’re living paycheck to paycheck. Although they're engaged, they’re struggling to combine their finances because of their varied pasts. Dawn is overspending on kids and grandkids, and Richard has deep scars from a financially devastating breakup. Can they move beyond their past money stories and get aggressive about investing for retirement?

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