cover of episode Make Your Decisions Based on Your Desired Destination

Make Your Decisions Based on Your Desired Destination

2023/12/12
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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。
K
Ken Coleman
帮助数千人通过职业评估和指导找到理想职业的广播主持人和职业顾问。
Topics
James：我的全职工作年收入约23万美元，兼职买卖视频游戏年收入20万美元，净利润率85%。目前想辞去全职工作，专心发展兼职副业。 Dave Ramsey：建议在兼职收入能够完全替代全职工作收入，并有6个月的储备金后，再考虑辞去全职工作。这是一种降低风险，保障财务稳定的做法。在决定全职投入兼职业务前，应规划好业务规模扩张方案，并做好应对失败的准备，例如出售房产。 James：我的兼职业务目前年收入20万美元，净利润率85%，想扩大规模，但需要200万美元的投资。 Dave Ramsey：建议先规划如何将业务规模扩大到至少翻倍，而不是盲目投资巨额资金。在考虑全职投入兼职业务前，应先规划好如何将业务规模扩大到至少翻倍，并评估失败的风险。例如，如果全职后业务下滑，是否愿意出售房产以应对风险？

Deep Dive

Chapters
James is considering quitting his full-time job to focus on his side hustle, a video game reselling business that earns $200,000 a year with an 85% net margin. Dave advises him to ensure the side hustle can replace his full-time income and have a financial cushion before making the leap.

Shownotes Transcript

Dave Ramsey & Ken Coleman answer your questions and discuss:

  • "I'm making $150k at my side hustle...can I quit my job?"

  • read more: How to Take Your Side Hustle Full Time),

  • "What should my goals be in Baby Steps 4-6?"

  • "How much house should we buy?"

  • "I haven't filed taxes since 2020..."

  • read more: Tax Debt Relief: How to Handle Back Taxes),

  • "How do I use this inheritance?"

  • "Is now a good time to start my own business?"

  • "How do I prepare to get fired?"

  • "My store is on the brink of bankruptcy..."

  • "My wife wants to pay off the higher balance debt first,"

  • "How do I pay off my home while trying to retire?"

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