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Financial Wisdom Replaces Fear With Peace

2025/6/12

The Ramsey Show

AI Deep Dive AI Chapters Transcript

People

Christine

Dave Ramsey

帮助数百万人摆脱债务和实现财务自由的著名个人财务专家。

Diane

Gary

无足够信息创建详细个人资料。

Jason

参与Triple Click播客，讨论RPG游戏党员设定。

Jennifer

John

一位专注于跨境资本市场、并购和公司治理的资深律师。

John Delony

以实用建议帮助人们解决生活和财务问题的知名播客主播。

Josh

著名财务顾问和媒体人物，创立了广受欢迎的“婴儿步骤”财务计划。

Kevin

通过《AI For Humans》播客，推广和解释最新的艺术智能技术和趋势。

Larry

Lisa

Mason

Michael

帮助医生和高收入专业人士管理财务的金融教育者和播客主持人。

Rachel Cruze

专注于个人财务教育和预算管理的金融专家。

Scott

通过积极的储蓄和房地产投资，实现早期退休并成为财务独立运动的领袖。

Tina

Wendy

Topics

Lisa: 我因为感情借给前男友20万美元，现在大部分钱都没了，想知道如何更好地利用剩下的钱，以便不用永远工作。我55岁，离婚后单身，之前和一位男士交往了七年。他需要借钱，我知道您对此的看法，但我还是借了，因为我以为我们会长久在一起。结果他因为加密货币投资失败，损失了所有钱，并且结束了关系。我现在损失了20万美元，这几乎是我大部分的积蓄。我真心借钱给他，所以现在我只能交给上帝处理。他现在每月还款，但基本上只是支付利息。我大约还剩下9.5万美元，想知道如何更好地利用这些钱，以便不用永远工作。 Dave Ramsey: 即使损失了20万美元，如果你制定预算、避免债务、投资401K并计划工作10到12年，你仍然可以过得不错。你应该找一位SmartVestor Pro来帮你设计投资计划，将3到6个月的开销放入高收益储蓄账户，其余的包括股票，都投入到优质的成长型股票共同基金中，并每年进行Roth IRA投资。通过在未来10到12年稳步投资，你可以系统地重建你的财富，最终你会比遇到加密货币骗子之前的情况更好。下次有人触动你的心弦时，在涉及到你的钱包时，告诉他们走开。 Rachel Cruze: 我们需要让大部分的9万到9.5万美元为你工作，现在130美元的利息太糟糕了。

Deep Dive

Chapters

A woman lost $200,000 after lending it to her ex-boyfriend. Now, she has $95,000 left and wants to know how to make her money work better for her. Dave Ramsey advises her to create a budget, invest in a 401k, and seek professional financial advice to create an investment plan.

Invest in a Roth IRA and a 401k
Diversify investments into growth stock mutual funds
Seek professional financial advice from a SmartVestor Pro

Shownotes Transcript

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Dave Ramsey and Rachel Cruze answer your questions and discuss:

"How can I make my money work for me after lending $200,000 to my ex?"
"Should I move my family across the country to accept a house that was gifted to us?"
"Should I open a business credit card or cash flow my business?"
"Should we sell our house to get completely out of debt?"
"I'm starting to doubt my plan for a $4.7 million settlement."
"Am I liable for my mother's expenses if she has to go into an assisted living facility?"
"I'm homeless and have $40,000 in debt, how do I get back on my feet in this situation?"
"We are getting a divorce and he wants to split the assets evenly, however I was the one that paid for everything. Is this fair?"
"I just got served a lawsuit from my credit card company, how should resolve this?"
"How do I navigate the strain of a divided inheritance?"