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cover of episode Debt in the Dating World and Retirement Planning for Entrepreneurs and Business Owners

Debt in the Dating World and Retirement Planning for Entrepreneurs and Business Owners

2025/2/10
logo of podcast NerdWallet's Smart Money Podcast

NerdWallet's Smart Money Podcast
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People
E
Elizabeth
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Sara
S
Sarah
个人财务专家，广播主持人和畅销书作者，通过“Baby Steps”计划帮助数百万人管理财务和摆脱债务。
S
Sean
著名个人财务专家和广播主持人，创立了“婴儿步骤”财务计划。
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Tenzin
Topics
Sean Piles: 我认为债务金额达到2万美元就会让人觉得难以约会。如果我发现约会对象因为可自由支配的消费而背负巨额债务,我肯定会质疑。财务责任非常重要,包括量入为出,为目标储蓄,为未来投资。很少有人会被无法处理自己生活后勤的成年巨婴所吸引。 Elizabeth Ayoola: 我现在很了解感情中的危险信号,不会再被迷惑。我最近遇到的一个危险信号是,我约会的男人说我的儿子是电灯泡。我还遇到一个已经有六个孩子,但没有计划增加收入的男人,这也是一个危险信号。我会试图评估他们的金钱价值观,他们是否还沉浸在过去的财务创伤中,是否对自己的财务状况有基本的了解,比如他们的债务在其中所处的位置。我还会关注他们是否有摆脱债务的目标,以及他们对我的期望是什么,是否期望我偿还他们的债务或为之做出贡献。诚实是关键,诚实地面对你的财务状况,诚实地面对你偿还债务和实现所有财务目标的计划。人们只是想知道你将成为生活伴侣,而不是经济负担。 Sarah Rathner: 平均而言,大约2万美元的债务会让人觉得难以约会,但很多人实际上并不介意他们的伴侣有任何数额的债务。如果有人有很多医疗债务或学生贷款,我认为更容易同情,因为我们的教育和医疗系统有时会迫使人们负债才能生存或取得进步。负债本身不太可能损害你的约会前景,但潜在的伴侣喜欢看到你在财务目标上的进展。你是否定期偿还债务?你是否正在调整你的消费习惯,以每月释放更多的现金来更积极地偿还债务?这些行为告诉其他人,你没有把头埋在沙子里,你正在正面解决你的债务。如果你是负债的一方,完全可以利用约会作为摆脱债务的动力,但最终,偿还债务是给自己的礼物,而不是给别人的。即使你以后没有找到伴侣,你也为自己做了偿还债务的巨大贡献,并给你在生活中提供了更多的选择。

Deep Dive

Shownotes Transcript

Learn how debt affects dating, plus expert advice on retirement planning for business owners navigating succession and savings.

When does debt become a red flag in the dating world? How can business owners best plan for retirement? Hosts Sean Pyles and Elizabeth Ayoola discuss a new NerdWallet survey revealing how financial responsibility impacts romantic relationships, and they explore how different types of debt — like student loans versus credit card debt—affect dating prospects. Plus, they discuss why financial transparency matters, and they give you some steps to take if you want to become more financially appealing to a potential partner.

Then, Sean and co-host Sara Rathner talk with an organic produce farmer, Tenzin, about how to plan for retirement, particularly as a business owner. They cover key retirement planning benchmarks, when to shift from reinvesting in a business to personal savings, and succession strategies for business owners looking to transition out of an active role. 

Read about the findings of NerdWallet’s new survey on debt in dating: https://www.nerdwallet.com/article/finance/data-undateable-debt) 

Mentions:

In their conversation, the Nerds discuss: how much debt is too much, financial red flags, debt and relationships, money and dating, financial green flags, how to talk about money in relationships, paying off debt before marriage, retirement planning for small business owners, small business succession planning, selling a family business, how to retire as a business owner, when to stop reinvesting in your business, how to transition a business to employees, retirement savings benchmarks, financial planning for entrepreneurs, choosing a financial planner, business transition strategies, how to retire without selling your business, business exit strategies, small business succession options, employee ownership models, planning for retirement as a farmer, financial planning for farmers, debt and dating statistics, and money habits in relationships.

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]).

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