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cover of episode Is Your FIRE Strategy Wrong? The Middle Class Trap Debate with Brad Barrett

Is Your FIRE Strategy Wrong? The Middle Class Trap Debate with Brad Barrett

2025/6/20
logo of podcast BiggerPockets Money Podcast

BiggerPockets Money Podcast
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B
Brad Barrett
M
Mindy Jensen
S
Scott Trench
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Mindy Jensen: 我认为很多人在纸面上做出了明智的财务决策，但无法在退休年龄前动用辛苦赚来的钱，这被称为“中产阶级陷阱”，但这个现象可能被过度炒作了。我们需要更好地提供关于你的选择的信息。 Scott Trench: 我认为中产阶级陷阱是一个真正的心理问题，很多人即使实现了财务目标，仍然感到困惑。解决这个问题的办法不是更多的数学或让你克服它并出售你的股票，而是建立一个你可以在精神上实际提取的投资组合。我的投资组合必须产生现金流，才能让我真正感到舒适。 Brad Barrett: 我不认为中产阶级陷阱是一个实际问题，而是一个心理问题。人们并非被困住，而是拥有可投资的资产，并且有多种方法可以在59岁半之前提取这些资产。我们应该告诉人们，退休后会有一些税收负担，但这比你在赚钱时支付所有税款要少得多。如果你认为自己永远无法出售资产，那么你在实现财务自由方面从一开始就存在问题。

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Buying a house, maxing out your 401(k), and leveraging real estate are considered the gold standard for building wealth, but what if these strategies are actually sabotaging your early retirement?

Today, we're diving into the controversial "middle-class trap" debate with Brad Barrett from the ChooseFI podcast! Welcome back to the *BiggerPockets Money *podcast! Is your net worth locked up in home equity and retirement accounts you can't access? Brad, Mindy, and Scott are having a friendly but fierce debate about whether this middle-class trap is real or just financial fear-mongering, breaking down strategies to avoid it and revealing the ideal portfolio for early retirees.

In this episode, you'll learn:

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If the Middle Class Trap is real or not!

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The difference between your Net Worth vs. FI Number

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The Psychological Barriers to Financial Freedom

And SO Much More!

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