Why Dave Ramsey’s 7 Baby Steps Work

Why should you save $1000 in an emergency fund? Traduzir

Por que você deveria economizar US$ 1.000 em um fundo de emergência?

To invest as fast as possible

Just to give yourself a financial goal to start

For expenses you didn’t expect to come up

To buy necessities

What is one debt you don’t need to pay off in step two? Traduzir

Qual é uma dívida que você não precisa pagar na etapa dois?

Pay back bank loan

Car payment

Mortgage

Pay back friends or family

How much money should you save up for step three? Traduzir

Quanto dinheiro você deveria economizar para o passo três?

3-6 months’ worth of expenses

$6000 -$1200

A month’s worth of expenses

$2000

Where should you put your emergency fund? Traduzir

Onde você deveria colocar seu fundo de emergência?

Government bonds

Stock market

Wherever you want

Into an account that is very liquid

You should invest 15% of what for your retirement fund? Traduzir

Você deveria investir 15% do que para o seu fundo de aposentadoria?

Savings

Salary

Household income

Emergency fun

Who is someone he doesn’t suggest saving a college fund for? Traduzir

Quem é alguém para quem ele não sugere guardar um fundo de faculdade?

Yourself

Your niece

Your nephews

Your child

Why does he suggest paying off your mortgage, even if you can get a higher return in an investment elsewhere? Traduzir

Por que ele sugere pagar sua hipoteca, mesmo que você possa obter um retorno maior em um investimento em outro lugar?

You’ll save more money over the long term

For peace of mind

You will be able to invest much more when your mortgage is paid off

It’s easier

Why does he tell you to give money away in the last step? Traduzir

Por que ele lhe diz para dar dinheiro na última etapa?

To put less emphasis on money in your life, it’s not that important

It empowers you to be a better member to your society

You’ll be so rich you won’t need all the money you have

Other people will like you

Why does he say these seven baby steps work? Traduzir

Por que ele diz que esses sete passos de bebê funcionam?

They are things you will do anyway

Having a plan is better than not having one

They are all easy

It builds confidence having obtainable goals

What will happen you follow these seven steps? Traduzir

O que acontecerá se você seguir esses sete passos?

You’ll live a fulfilling and prosperous life

You’ll be financially independent

You’ll receive more respect

You’ll become rich

Marko – WhiteBoard Finance