cover of episode 180. "We have $30k in cc debt but insist on sending our son to private school"

180. "We have $30k in cc debt but insist on sending our son to private school"

2024/10/29
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I Will Teach You To Be Rich
AI Deep Dive AI Chapters Transcript
People
A
Alexis
O
Olivia
R
Ramit
Topics
Alexis: 描述了他们在财务上的困境，承认每月支出超过收入，并对信用卡债务感到担忧。他们对如何平衡财务需求和孩子的教育需求感到困惑。他们也表达了对未来财务安全的担忧，特别是退休和孩子大学教育的费用。 Olivia: 解释了他们送孩子上私立学校的原因，强调了对孩子安全和教育的重视。她还描述了他们过去在财务管理上的挑战，以及他们如何努力工作来维持他们的生活方式。她表达了对财务安全的渴望，并希望能够在不影响孩子教育的情况下实现财务自由。 Ramit: 分析了这对夫妇的财务状况，指出他们拥有300多万美元的净资产，但每月都在亏损。他质疑他们送孩子上私立学校的决定，并建议他们重新评估他们的支出和财务规划。他帮助他们制定了不同的财务方案，并建议他们减少支出，偿还债务，并制定更可持续的财务计划。 Alexis: 在与Ramit的对话中，Alexis逐渐意识到他们财务状况的混乱和超支的严重性。她开始反思他们过去的消费习惯，并表达了对改变现状的渴望。她承认他们需要更有效地管理财务，并愿意与Olivia一起努力实现财务目标。 Olivia: 在与Ramit的对话中，Olivia表达了对财务规划的渴望，并承认他们过去在财务管理上的不足。她意识到他们需要更清晰的财务计划，并愿意与Alexis一起努力减少支出，偿还债务，并为未来做好准备。她还表达了对家庭财务安全的渴望，并希望能够在不影响孩子教育的情况下实现财务自由。 Ramit: 在与这对夫妇的对话中，Ramit扮演了财务顾问的角色，他帮助他们分析了财务状况，并提出了不同的财务方案。他强调了控制支出、偿还债务和制定更可持续的财务计划的重要性。他还帮助他们重新评估了他们的价值观和财务目标，并鼓励他们共同努力实现财务自由。

Deep Dive

Chapters
Alexis and Olivia discuss their luxurious lifestyle and overspending on their son's education, despite having significant debt.
  • They live a luxurious lifestyle described as 'koc'
  • They overspend on their son's education, sending him to a private school costing $30,000 annually
  • They have $30k in credit card debt but insist on maintaining their lifestyle

Shownotes Transcript

Alexis, 55, and Olivia, 54, are working towards their retirement so they can spend more time with their son. On paper, they’re in a good financial position, with a net worth of over $3 million… but they’re spending more than they make every single month. And, there’s a big secret to their wealth that they didn’t realize until this conversation.

This episode is sponsored by my partners at Facet, where you can get affordable, accessible financial planning with a flat fee membership. For Money for Couples listeners who enroll with Facet, they will waive the $250 enrollment fee for new annual members and they’ll add $500 into your brokerage account when you invest and maintain $5000 in the first 90 days of membership for Core, Plus and Complete members. Check out their membership options at https://facet.com/ramit). 

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Links mentioned in this episode

• Get tickets to Money for Couples LIVE coming to a city near you in January)

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• Pre-order my upcoming book: Money for Couples)

• Get the Podcast Newsletter and watch me analyze an anonymous couple's spending each Saturday)

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• Listen to my book—now on Audible)

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