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cover of episode More Debt Is Never the Way out of a Tough Situation

More Debt Is Never the Way out of a Tough Situation

2025/6/26
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The Ramsey Show

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People
C
Courtney
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
Jade Warshaw
从专业歌手到财务专家,Jade Warshaw 的故事激励众多人实现财务自由。
J
James
领导Root Financial从小规模公司发展成为全国性公司,专注于目的驱动的财务规划。
J
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。
M
Michelle
No specific achievements or career details available.
R
Rachel Cruze
专注于个人财务教育和预算管理的金融专家。
S
Samantha
Topics
Courtney: 我目前居住的房屋存在严重的霉菌问题,需要进行昂贵的维修。我们夫妻俩的年收入约为75000美元,但财务是分开管理的,因此不确定是否有足够的资金来支付维修费用。我倾向于贷款解决问题,但我的丈夫反对。 George Kamel: 你们需要明确家庭的财务状况,制定预算,了解每月的收入和支出,才能确定是否有额外的资金用于维修。 Jade Warshaw: 债务看起来像一个简单的解决方案,但增加债务只会让你们的情况更糟。我建议你们夫妻俩共同努力,通过现金支付来解决这个问题,而不是依赖贷款。

Deep Dive

Shownotes Transcript

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George Kamel and Jade Warshaw answer your questions and discuss:

  • "How do we prioritize necessary home repairs while paying off debt?"

  • "How do I deal with a credit card company that is refusing to negotiate with me?"

  • "Should I borrow money from my cousin to start a business?"

  • "Can I pay off my largest debt first?"

  • "How do I close a business that has been in my family for 40 years?"

  • "How do I stop my parents from "loaning" money to their granddaughter?"

  • "Should we downsize to a trailer to save money?"

  • "Am I proposing too soon financially?"

  • "I'm 61 years old, still in debt, and have nothing saved for retirement..."

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