Finanțe Vineri: Stați acasă cu copiii sau lucrați pentru a ajunge mai repede la FI?

Libertate financiara vs. family time. If done correctly, you can have both; but living the best of both worlds is impossible without sacrifice. For noi părinți, trecerea de la a dual-income household to a single full-time income overnight can be a hard burden to bear. With less money comes lower retirement accounts, a longer time horizon to being debt-free, and financial freedom pushed years, or even decades, away. So, is being a stay-at-home parent worth the financial sacrifice?

Pe aceasta Finanțe vineri, we talk to Patrick, who recently became a new dad (woohoo!). His wife has taken on the full-time job of being a stay-at-home mom, but with a massive amount of debt hanging over their heads, Patrick is debating whether or not returning to dual income is the right move to make. Not only is this choice a financial one, it’s also an extremely personal debate, as many parents would far rather spend their time with their kids than bring home a bigger paycheck. And while we can’t tell Patrick what to do next, Mindy and Scott can offer the opțiuni financiare he and his wife NEED to know about.

But we’re not just talking about student loan debt in this episode. We also get into whole life insurance policies, HELOCs (linii de credit cu capital propriu), împrumuturi auto, și dacă sau nu cumpararea proprietatilor de inchiriere is the right move for a new parent. You may be in Patrick’s position soon (if not already), and this topic is one you CANNOT afford to miss if you’re building wealth while raising a family!

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În acest episod acoperim

• Student loan debt and what you MUST do to become debt-free 
• Asigurare de viață completă Politicile and whether they’re worth the high monthly premiums
• Adevărul costul facultatii and what to know BEFORE you finance your degree
• Rental property headaches and cand investiții imobiliare may NOT be the right move
• Ditching dual income to become a stay-at-home parent and who is in the position to do so
• Reaching financial freedom as a new parent and the sacrifices you MUST make to retire early
• Și So Mult mai mult!

Link-uri de la Emisiune

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Notă de la BiggerPockets: Acestea sunt opinii scrise de autor și nu reprezintă neapărat opiniile BiggerPockets.