一对退休夫妇,曾经没有债务,现在尽管收入稳定,但在使用每日开支信贷后,却欠了46 000美元。 A retired couple, once debt-free, now owes $46,000 after using credit for daily expenses despite steady income.

一对六十多岁的退休夫妇，曾在遵循戴夫·拉姆齐的理财建议后无债一身轻，但通过开设13张信用卡和三笔个人贷款积累了46,000美元的债务。 A retired couple in their late 60s, once debt-free after following Dave Ramsey’s financial advice, accumulated $46,000 in debt by opening 13 credit cards and taking three personal loans. 尽管没有发生重大紧急情况,但他们在退休后开始用信贷支付日常开支,这被固定收入和低支出的虚假安全感所误导。 Despite no major emergencies, they began using credit for everyday expenses after retirement, misled by a false sense of security from fixed income and lower spending. 他们越来越依赖信贷,导致高度的收支平衡和兴趣,现在他们寻求帮助重新获得控制,突出显示在退休时持续需要财务纪律和教育。 Their reliance on credit grew, leading to high balances and interest, and they now seek help to regain control, highlighting the ongoing need for financial discipline and education in retirement.