We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode Reacting to Random Things People Used Their “Emergency” Fund For

Reacting to Random Things People Used Their “Emergency” Fund For

2025/2/20
logo of podcast Smart Money Happy Hour with Rachel Cruze and George Kamel

Smart Money Happy Hour with Rachel Cruze and George Kamel

AI Deep Dive AI Chapters Transcript
People
G
George Kamel
从负净值到百万富翁的个人财务专家,通过播客和书籍帮助人们管理财务。
R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
Topics
Rachel Cruze: 我认为拥有紧急基金非常重要,它能带来平静和安心。但是,我们有时会把钱花在非紧急的事情上。听众分享了他们动用紧急基金的各种经历,有些令人悲伤但真实。例如,有人用紧急基金支付宠物的医疗费用、IRS账单、葬礼费用、意外分娩费用、汽车维修费用、房屋维修费用等等。有些情况是不可避免的,例如医疗紧急情况,但有些情况是可以避免的,例如没有计划的购物。我们需要学会区分紧急情况和非紧急情况,并合理使用紧急基金。 我个人认为,在分娩过程中使用麻醉剂是合理的,因为这关系到母亲和孩子的安全。即使这笔费用很高,我也愿意支付。 对于宠物的医疗费用,我也有自己的底线。如果治疗费用过高,我可能会选择安乐死,而不是支付巨额费用。 对于葬礼费用,我认为殡葬服务费用过高,建议人们从Costco购买棺材。 对于汽车维修费用,我认为日常的汽车维护应该提前做好准备,而不是等到出现紧急情况才处理。 总而言之,紧急基金的使用应该谨慎,要根据实际情况进行判断。 George Kamel: 很多美国人储蓄不足,难以应对突发事件。建议建立1000美元的紧急基金以应对小额突发事件。需要一个充足的紧急基金来应对大型紧急情况,例如更换空调系统或支付高额医疗费用自付额。 对于宠物的医疗费用,我愿意支付高额费用,因为宠物是家庭成员。 对于IRS账单,我认为这是需要优先偿还的债务。 对于葬礼费用,我认为殡葬服务费用过高,人们应该提前做好准备。 对于意外情况,例如失业,紧急基金可以提供经济上的支持。 对于日常汽车维护,建议设置沉淀资金账户,提前做好准备。 总而言之,紧急基金的使用应该谨慎,要根据实际情况进行判断。

Deep Dive

Chapters
This episode discusses emergency funds and the unusual ways people have used them. It highlights the importance of having an emergency fund and explores various scenarios where having readily available cash is crucial.
  • 40% of Americans can't cover a $400 emergency in cash
  • More than 25% of Americans have less than $1,000 saved
  • Average car repair is $500-$600
  • Average urgent care visit is $100-$300
  • Replacing an HVAC system can cost $6,000

Shownotes Transcript

📈 Are you on track with the Baby Steps? Get a free personalized plan.)

Nothing screams emergency fund like a full-scale raccoon home infestation. In this episode, Rachel and George share the weirdest things listeners spent their emergency fund on and the lessons we can learn from these scary stories.

 

Next Steps:

 

Connect With Our Sponsors:

  • 🔒 Get 20% off when you join DeleteMe).

  • 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth).

** **

**Today’s Happy Hour Special: 🍹 **Cubanada

Recipe: Difford’s Guide)

 

Ingredients:

  • 1 2/3 ounces Caribbean blended rum aged 6–10 years

  • 3/4 ounce lime juice (freshly squeezed)

  • 1/2 ounce maple syrup

 

Instructions: Select and pre-chill a Coupe glass. Prepare garnish of lime wedge. Shake all ingredients with ice. Fine strain into chilled glass. Garnish with lime wedge on rim. 

 

Explore More From Ramsey Network:

💡 The Rachel Cruze Show)

💰 George Kamel)

🎙️ The Ramsey Show)

💸 The Ramsey Show Highlights)**__ __ **

🧠 The Dr. John Delony Show)

🪑 Front Row Seat with Ken Coleman)

📈 EntreLeadership)

 

Ramsey Solutions Privacy Policy)

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