신용카드 부채 관리: 우선순위 지정, 예산 책정 및 희생

### 13,000달러의 신용카드 부채 처리: 재정적 운영 질서 및 극단적인 예산 책정
* 💳 신용카드 부채가 **$13,000**이고 자산이 **$30,000**인 경우, 이 부채를 해결하는 것이 재정적으로 최우선 순위가 되어야 합니다.
* 💸 "신용 카드 이자는 **엄청나게 징벌적**일 수 있습니다... 저희가 도와드리겠습니다."
* 🚫 부채 상환에 집중하기 위해 **신용카드를 전혀 사용하지 않는 기간**을 고려해 보세요.
* 📊 "3D 안경을 쓰고... **꿈, 현실 계획, 두 계획의 세 가지 계획**을 실행하세요."
* 🔒 잔액 이체는 위험할 수 있으며 **근본적인 문제를 해결하지 못할 수도 있으므로 주의**하세요.
* 📉 " 미국에서는 빚에 너무 익숙해져 있는 것 같아요... **신용카드 빚에 대해서는 그렇게 하지 않습니다.**"
* 💰 소유물을 매각하고 비용을 최소한으로 줄이는 등 **극단적인 예산 책정**이 필요할 수 있습니다.
* 📈 " 이런 상황에서는 **제한이 없는 것은 없습니다**."

신용카드 부채가 1만 3천 달러인 크리스토퍼(24세)는 재정적 함정을 피하기 위해 자산으로 부채를 상환하고 검소한 생활을 하는 것을 우선시해야 합니다.

[Music] all right Christopher's question is up next hey guys big fan I'm 24 years old how can I approach my 13k and credit card debt. I have roughly 30k in assets and I was thinking a ballast transfer to maximize zero interest for 21 months thoughts. So 13k in credit card debt what's the 30,000 that's what his assets are so I'm assuming like savings Investments that kind of thing. We don't know if they retirement I hope that's what it cuz for young people all times I I got $30,000 in assets and 12,000 that's a car oh that's true and you know Couple Grand is Home Furnishing like um so let's can we answer this question so it' be super super super valuable let's assume that the $30,000 Brian was in uh liquid assets okay right let's assume that you're meaning like it's probably in a retirement account retir accounts or something like that uh and then you

know I've got this $133,000 of credit card debt. What do I do? How do I approach this? And then I think the question like the blocking and tackling was should I do like a 0% balance transfer. What's the solution there? Here, no matter what our answer is here, we think that credit card interest is something that can be incredibly punitive. Like you think about a really good rate of return and how what that can do for your financial life, but then you think about credit card interest and how punitive it can be. That's why in the financial order of operations, we hold your thing up. That's why we put High interest. It just doesn't have the same thing. It's why we put it a step three. We want that to be something that you prioritize getting out of as quickly as you Poss quickly as you can. So even hearing that you have $30,000 in assets suggests to me that you've probably been saving, probably been building up. I would guess that means you've gotten a

little out of order of the Foo, and I think that reprioritizing and knocking out that $13,000 ought to be like priority number one. You agree with that Brian? Yeah, I think if you got $13,000 a credit card debt and you now woken up to realize hey, I've got to get through this, I think you almost even need to take a period where you just don't even use the credit cards. Yeah, that's a great point, just shut it down. And now we're in the process, how do we pay this off, and we'll come back and revisit the question of credit card use after this is completely extinguished, um, the debt. I mean those Balance transfers, I mean realize that you're kind of making a deal with a lone shark, is that you have to. Doesn't it's very similar to all the movie plots you've ever seen where people go and they get themselves out of bonds, um, by going to the Shady lending companies and others, um, it could work out great if you

create a plan. I would really put on my 3D glasses and that's remember that's where I want you to run three plans. Your dream, this is where I really hope things work. The down-to-Earth plan, this is where you know this is the reality of how things are going to play out where you maybe have some ups and downs in life financially. And then I want you to have the doo plan of what happens if all of a sudden you can't pay off that credit card after the 21 months or whatever you said that you could get the 0%. And then figure out if there is a path forward that let you and then make a promise to yourself because I that's one of the things I cover in millionaire mission is I made an access to cash disaster of a decision with a home equity line yours is credit card so it's different but it still is. I promised myself and even said some prayers that if I got myself out of this I would

never ever ever ever fall in this trap again. And then you just, you fight like, you know, heck, I'm about cussed. You fight as hard as you can to get yourself out of it, in that things. And you don't, you don't compromise. You actually have to go hard on it because that's the thing. Nobody who's successful that comes to see us as prospects ever shows up with credit card debt. I don't think we talk about that enough. And that's why when people ask us about bankruptcy as a tool and all these other debt restructuring questions, I'm like, I have no idea how any of that stuff works because the reality is that good financial mutants don't struggle with this type of debt. This is a trap that's put out there by our consumption society, and you've got to figure out how you get post this debt. And that's why I would go cold turkey on not using credit cards. Maybe you can use the 0% tool, but make sure you read all the fine print because

those things can also be gotcha. I did see him chatting with some people in our chat and just kind of saying like, ah, it's just, you know, I've been paying them off. I'm not really using the credit cards anymore, but that interest rate, it's just, I hate that interest rate. But I don't want him to, like, try to cut the corner off. Like, I don't know, like, just as a fellow Financial mutant lay person, it's like, well, yeah, that's kind of part of it. Like, just keep going. I just feel like you, I feel like in America, we've gotten way too Americans have gotten way too comfortable with debt. Like, if you had a broken leg today, how many things would you do before you address that broken leg? Like, nothing. Like, you're going to figure out, oh my goodness, my leg is broke. I have to do everything in my power to fix this today. And I feel like we don't do that same thing with credit card debt when, realistically, I mean, I'm talking about it's not a flesh.

wound how yeah how do I get rid of my gym membership. How do I stop eating out. How do I do this. How do I do this. How do I do this to get rid of this like very bad thing in my life. I mean I would cut with reckless abandon to get on the other side of it as quickly as possible because even thinking about stretching it out over 21 months I'm like I'd love for you to figure I don't know what your income is but man how lean can you live at 24 years old to get that stuff gone and not have it come back. I think that's how serious and severe it is and do the desperate. I mean I've there's seasons of life where I would encourage you go through your closet go through. I know this sounds so ridiculous but when you're when you're in this desperate phase take our 200 Monon challenge that I have in millionaire Mission um but I think about the fact of golf clubs workout cloth. I mean because you can by

way, there's a market on. Like, I don't know how many consumption traps that you've fallen into while you build up, built up this $113,000. But maybe you need to do all the crazy things of cleaning out and selling, and reselling some of these things to see can we turn the 13 into 10 from just what you already have. I mean, I know that sounds crazy, and that's what I'm not a latte effect type person. I mean, you guys know, I think that it's the big decisions that get most people with their housing and their cars. But when you're in this type of situation, Christopher, there is nothing off limits. This is where do a budget. I mean, I, and I mean, I mean, gut this budget down to the bare minimum so you know what you're actually supposed to spend. Compare that and track what you're actually spending, and then cut without Mercy.

How Do I Tackle $13,000 in Debt as a 20-Year-Old?

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자산 3만 달러로 1만 3천 달러의 신용카드 부채 관리하기

높은 신용카드 이자를 해결하려면 0% 잔액 이체를 고려하세요.

신용카드 부채는 재정 상태에 악영향을 미칠 수 있으므로 빨리 갚는 것을 우선순위로 삼으세요.

3만 달러의 자산은 책임감 있는 저축과 재정 규율을 의미하며, 이를 부채 해결에 활용할 수 있습니다.

신용카드 부채 우선순위 정하기 및 갚기

13,000달러의 신용카드 빚을 갚는 것을 최우선 재정 목표로 삼으세요.

부채를 완전히 갚을 때까지 신용카드 사용을 완전히 중단하는 것도 고려해 보세요.

잔액 이체와 같은 옵션을 검토할 때는 부채 상환에 대한 명확한 계획을 세우고 앞으로 발생할 수 있는 잠재적인 위험과 어려움을 고려하세요.

성공한 사람들은 신용카드 빚이 없으므로 신용카드 빚에서 벗어나기 위해 열심히 싸우고 타협하지 않는 것이 중요합니다.

신용카드 빚의 덫에 빠지는 것은 사회의 소비 문화의 결과이며, 이 덫에서 벗어나는 것이 중요합니다.

미국인들은 빚에 너무 익숙해져 있기 때문에 응급 상황에 대처하듯 신용카드 부채를 적극적으로 해결하고 없애는 것이 중요합니다.

헬스장 회원권을 끊고 외식을 피하는 것은 명확한 목표를 세우고 예산을 엄격하게 책정하면 달성할 수 있습니다.

이러한 습관을 없애기 위해 우선순위를 정하고 희생을 감수하는 것이 중요하며, 동기 부여를 위한 체계적인 도전에 나서는 것이 좋습니다.

절박한 시기에는 소유물을 팔아 재정적 부담을 완화하고 이러한 해로운 패턴을 끊기 위해 계속 노력하는 것도 고려해 보세요.

극한 예산 책정을 통한 비용 절감 극대화

어려운 재정 상황에서는 소유물을 매각하여 113,000달러의 부채를 빠르게 줄이는 것을 고려하세요.

필요한 비용을 파악하고, 지출을 추적하고, 무자비하게 삭감하여 예산 책정에 과감한 접근 방식을 취하세요.

이 시나리오에서는 소지품 매각을 포함한 어떤 비용 절감 방안도 고려하지 않을 수 없습니다.