We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode Feed Drop! Money For Couples - 192- We spend 98% of what we make—Where is it all going

Feed Drop! Money For Couples - 192- We spend 98% of what we make—Where is it all going

2025/3/19
logo of podcast Smart People Podcast

Smart People Podcast
AI Deep Dive AI Chapters Transcript
People
D
Deepika
J
Justin
No specific information available about Justin.
主
主持人
专注于电动车和能源领域的播客主持人和内容创作者。
Topics
主持人: Justin和Deepika夫妇月收入高达21000美元，年收入26万美元，却面临严重的财务困境。他们的固定支出占收入的98%，这其中包括高额的保险费用（每月3835美元）、高额的能源账单（每月700美元以上）、以及汽车贷款等。他们无法解释这些高额支出的原因，并且缺乏有效的财务规划和共同的理财目标。Deepika希望买房，但他们始终处于信用卡债务循环中，无法实现财务目标。 Justin的副业虽然有潜力，但由于缺乏时间和精力，以及与家人的合伙经营中缺乏清晰的财务规划和责任划分，导致其发展受阻，未能成为有效的财务资源。 Justin和Deepika在理财方面存在差异，Justin属于‘逃避型’，对财务问题缺乏关注，而Deepika则属于‘战士型’，过度担忧财务状况。这种差异导致他们无法有效地合作管理财务，并最终陷入财务困境。 Justin: 我专注于眼前的消费享受，而忽略了对未来财务的规划和副业的长期发展。我的副业虽然有潜力，但由于时间和精力有限，以及与家人的合伙经营中缺乏清晰的财务规划和责任划分，导致其发展受阻。我并不焦虑，因为我们目前有足够的钱满足日常需求。我对财务方面的问题缺乏关注，并且缺乏有效的理财技能。 Deepika: 我担心Justin的副业没有充分利用，这影响了我们的未来规划，例如买房和为儿子储蓄。我们高额的固定支出让我感到压力，并且我们无法解释这些高额支出的原因。我希望能够找到过度支出的原因，并制定有效的财务规划，以实现我们的财务目标，例如买房。我承担了家庭财务管理的大部分责任，并为此感到压力。

Deep Dive

Chapters
The episode introduces Justin and Deepika, a high-income couple struggling with credit card debt despite their earnings. They lack a shared financial vision and grapple with impulsive spending habits. The core issue lies in their inability to understand where their money is going and how to manage it effectively.
  • High-income couple struggling with debt
  • Lack of shared financial vision
  • Impulsive spending habits

Shownotes Transcript

We're sharing a new show we think you'll enjoy!

If you ever wonder, “Where is all our money going?”—you’re not alone. In episode 192) of Money For Couples) titled, “We spend 98% of what we make—Where is it all going?)”, you’ll hear real stories and practical strategies to help you align on finances, stop money fights, and build a shared financial vision. We’re going to play a portion of that episode for you now. If you want to hear more actionable strategies to build your rich life today, search “Money For Couples” wherever you listen to this podcast.

Learn more about your ad choices. Visit megaphone.fm/adchoices)