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Stop Ignoring Your Financial Fire Alarms

2025/6/16

The Ramsey Show

Kim: 我一直以来都在经济上帮助我的父母，但他们并没有做出任何改变来改善自己的财务状况。我感到非常沮丧，不知道是否应该继续给他们钱，或者如何处理这种情况才能不破坏我们的关系。我担心他们会一直依赖我，而我却越来越感到不满。 Ken Coleman: 你不应该再给他们钱了。他们可以直接从你这里获得经济支持，所以他们没有改变的动力。停止资助他们实际上是在帮助他们。他们需要自己承担起责任，找到工作，并制定一个可行的财务计划。你对你母亲的怨恨正在增长，这会损害你与她共度的宝贵时光。为了你们双方的长期关系，你需要停止这种经济依赖。 George Kamel: 我同意Ken的观点。你母亲的丈夫需要找一份工作。他们需要制定一个计划，但他们不会这样做，因为他们没有创新的动力。当你把他们逼到墙角时，他们会惊讶地发现自己有多么有创造力。停止给他们额外的钱，让他们自己想办法。你母亲需要有独立感，而不是依靠你的施舍。

Deep Dive

Chapters

A daughter is frustrated with her parents' lack of financial responsibility and seeks advice on whether to continue supporting them financially. The hosts advise her to stop giving money to enable better financial habits.

Daughter provides $1200-$1500 monthly support, totaling over $10,000 in the last year.
Hosts advise her to stop financial support to encourage parents' self-sufficiency.
Parents' income is insufficient to cover expenses, even without additional support.

Shownotes Transcript

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Ken Coleman and George Kamel answer your questions and discuss:

"Should I stop giving money to mom and her deadbeat husband?"
"My mom won't pay rent in my rental property. What should I do?"
"I was laid off after ten years. How do I use my severance wisely?"
"How do I get my ex-boyfriend to pay back the money he borrowed from me?"
"I feel like I can't keep my head above water with my income. How do I get out of a paycheck-to-paycheck cycle?"
"My husband and I can't agree on if we should buy a plot of land from his parents."
"Should I file for bankruptcy?"