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cover of episode Hard Decisions Today Bring Freedom Tomorrow

Hard Decisions Today Bring Freedom Tomorrow

2025/6/5
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The Ramsey Show
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People
A
Amanda
A
Amy
A
Andy
REAL AF 播客主持人，专注于讨论和分析时事新闻和政治事件。
D
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。
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。
J
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。
K
Kirsten
L
Lily
M
Mark
从破产公司到上市企业的成功转型和多个子公司的建立
M
Mary Ann
O
Owen
P
Paul
投资专家和教育者，专注于小盘价值基金的分析和教育。
R
Rosa
R
Ruth
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。
Topics
Ruth: 我是一名退休人员，正在考虑是否应该将与我断绝联系的子女列为我的财产受益人。我曾试图与他们沟通，但没有得到回应。我担心如果把钱留给他们，可能会被滥用，尤其是我的一个女儿有海洛因毒瘾。我希望按照上帝的意愿行事，并确保我的孙子们得到他们应得的遗产，同时也要为自己的未来做好准备。 George Kamel: 你可以把钱留给值得信任的人，或者捐给慈善机构。你也可以设立529计划，专门用于孙子们的教育。重要的是，你要与这一切达成和解，不要做任何让你晚上睡不着的事情。 John Delony: 你可以创办一个小组，为你当地社区的年轻父母提供生活智慧和善良。不要放弃自己，你还有很多可以做的。

Deep Dive

Chapters
A retired woman is struggling with whether to leave an inheritance to her estranged children. She seeks advice on how to handle her finances and ensure her grandchildren's well-being. The experts suggest creating 529 plans for the grandchildren as a way to provide for their education without directly giving money to her children.
  • Woman is retired and considering inheritance distribution to estranged children.
  • Children ghosted her nine years ago.
  • She had set a boundary with her heroin-addicted daughter.
  • Experts suggest establishing 529 plans for grandchildren's education.
  • Inheritance could be used for the woman's own expenses in retirement.

Shownotes Transcript

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George Kamel and Dr. John Delony answer your questions and discuss:

  • "Should I leave an inheritance to my children who won't speak to me?"

  • "My dad's car was impounded and we didn't pay the fines. Now it's being sent to collections, how do I help him in this?"

  • "My wife and I disagree on whether my son should help pay for his college."

  • "We've been struggling to survive month-to-month and we're behind on our debt. How do we get out of this?"

  • "Is it too late to get out of my debt consolidation program?"

  • "Is it a good idea to transfer my car loan balance to a balance transfer credit card?"

  • "I've been with my financially irresponsible boyfriend for 20 years and I'm fed up and don't know what to do."

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