cover of episode Financial Audit’s Most Toxic Guest

Financial Audit’s Most Toxic Guest

2025/5/5
logo of podcast Financial Audit

Financial Audit

AI Deep Dive Transcript
People
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。
J
Jessica
专注于卡拉OK设置和技巧的专家
Topics
Jessica: 我和Brandon因为财务问题来到节目寻求帮助。我们结婚一年多,即将迎来第一个孩子。我负责管理家庭财务,Brandon通常会顺从我的决定。我们做出了很多糟糕的财务决定,例如婚礼花费巨大,以及日常生活中不必要的消费。我承认我会操纵Brandon来满足我的需求,例如购买麦当劳。我们每个月都会制定财务目标,但最终都会超支。我缺乏自律性,Brandon则缺乏耐心来管理财务。我们没有充分沟通家庭财务状况,因为Brandon无法查看我的信用卡账单。我们有很多信用卡,其中一些已经达到信用额度上限,而且我们经常错过信用卡还款日期。我们还欠父母钱,并且有未偿还的学生贷款。我们对孩子的到来毫无准备,而且我们的财务状况只会越来越糟。 Brandon: 我和Jessica在同一家公司做相同的工作,大部分时间远程办公。我比Jessica工资低是因为她工作时间更长。我试图阻止我们过度消费,但经常失败。Jessica会不断地提出要求,直到我妥协。我缺乏耐心来管理财务,而且我通常会顺从Jessica的决定。我怀孕后会利用这一点来操纵Brandon。我们每个月都会制定目标,但最终还是会超支。我试图阻止我们过度消费,但经常失败。我们经常因为Jessica的FOMO而参加一些社交活动,导致额外支出。我们对孩子的到来毫无准备,而且我们的财务状况非常糟糕。我开始在机械修理厂兼职赚钱,以弥补我们的财务缺口。我很高兴Jessica参加节目寻求帮助,因为我们真的需要帮助来更好地照顾我们的孩子。 Caleb Hammer: 你们的财务状况极其糟糕,超过六位数,而且都是不良债务。我没想到你们的财务状况会这么糟糕。仅仅是婚礼和圣诞节消费不足以解释你们巨额债务。你们需要制定一个计划来应对即将到来的孩子的支出。你们的额外支出已经接近新生儿每年的平均抚养费用。你们的财务状况非常糟糕,无法负担孩子的未来开支。你们对孩子的到来毫无准备。你们需要下载我的预算应用程序,并参加我的预算和债务课程。付费课程比免费课程更有效。你们需要评估自己的财务状况,并改变消费习惯。你们需要更好地沟通和管理家庭财务。你们需要立即采取行动来改善财务状况。你们需要出售车辆,并偿还债务。你们需要改变行为,并避免再次犯同样的错误。

Deep Dive

Shownotes Transcript

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