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cover of episode The Money Strategies That Are NOT Dave Ramsey Approved!

The Money Strategies That Are NOT Dave Ramsey Approved!

2025/3/6
logo of podcast Smart Money Happy Hour with Rachel Cruze and George Kamel

Smart Money Happy Hour with Rachel Cruze and George Kamel

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Rachel Cruze: 我认为Ramsey式理财指的是表面上遵循Dave Ramsey的理财原则,但在某些方面又有所偏离,选择性地遵循自己认为合适的规则。例如,有些人会遵循Ramsey的理财原则,但仍然保留信用卡或者选择不符合Ramsey建议的抵押贷款方式。 George Kamel: 我同意Rachel的观点。Ramsey式理财就像自助餐一样,人们会选择自己喜欢的部分,而忽略其他部分。这种做法在生活中很常见,例如,有些人会坚持锻炼,但同时又抽烟喝酒。 总的来说,Ramsey式理财指的是在遵循主要原则的同时,又根据自身情况进行调整。这是一种折衷的做法,既能获得一定的理财效果,又不会过于严格地限制自己的生活方式。 George Kamel: 在Ramsey理财体系中,债务雪球法(先还清最小债务)比债务滚雪球法(先还清高利息债务)更有效,因为它能更快地获得心理上的成就感,从而激励人们坚持下去。虽然从数学角度来看,债务滚雪球法更节省利息,但债务雪球法更能帮助人们坚持下去,最终实现财务自由。 此外,即使每月还清,也应该避免使用信用卡,因为它会增加消费支出。许多研究表明,使用信用卡会比使用借记卡多消费12%到18%。 紧急储备金应该控制在1000美元,其余资金应用于还债,因为迅速还清债务比积累更多储蓄更重要。虽然人们害怕将储蓄降到1000美元,但实际上,这笔钱足以应对紧急情况,而迅速还清债务能更快地获得财务自由。 在还清债务之后,可以适度购买一些自己喜欢的东西,但要确保在预算之内。 在确保退休金投资充足的情况下,可以少量投资高风险资产,例如加密货币。但要记住,加密货币波动性很大,不适合作为主要投资。 医学院学费高昂,应尽量避免过度依赖学生贷款,并探索其他资助途径。 为了更快地还清债务,可以暂时停止投资,集中精力还债。 不必严格按照债务雪球法的顺序进行,例如,可以保留已有的大学教育基金。 在经济紧张的情况下,可以暂时减少或停止捐赠,但应将其视为一种长期习惯,而非完全放弃。 选择15年期抵押贷款比30年期抵押贷款更划算,尽管短期内还款压力较大。

Deep Dive

Chapters
This chapter compares the debt snowball and debt avalanche methods, highlighting the psychological benefits of the snowball method despite the avalanche's mathematical efficiency. The discussion emphasizes the importance of momentum and progress in achieving debt freedom.
  • Debt snowball focuses on the smallest debt first, while debt avalanche prioritizes the highest interest rate.
  • Both methods yield similar results, but the snowball method boosts motivation and increases the chance of success.
  • The psychological win from quick wins is crucial for maintaining momentum.

Shownotes Transcript

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

If you’re debt-free but holding onto that Disney credit card, you might be “Ramsey-ish.” In this episode, find out what that means for you and your finances.

Next Steps:

💵 Start your free budget today. Download the EveryDollar app!)

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**Today’s Happy Hour Special: 🍹 **Cranberry Fizz Mocktail

Recipe: @holisticrendezvous)

  • 1 ounce cranberry juice

  • 1/2 ounce rosemary thyme syrup

  • Top with sparkling water

  • Rosemary sprig (garnish)

  • Ice (cranberry and rosemary)

Instructions:

Syrup: Combine all ingredients and bring to a boil. Reduce to a simmer for 10 minutes and then remove from heat. There should be about 3/4 cup liquid left. Strain and store in the fridge for about a week.

Mocktail: Rim a lowball glass with maple syrup (or honey) and coarse sugar and fill with ice. Add all ingredients and top with fresh or frozen whole cranberries and a sprig of rosemary.

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)

📈 The EntreLeadership Podcast)

 

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