Divulgando la cultura en dos idiómas.

Dave says 10.12.18

Dear Dave,
If someone is following your plan, is it a good idea to get mortgage disability insurance during Baby Step 2?
Craig
Dear Craig,
No, it is not. Mortage disability insurance is a gimmick, and I would never recommend it to anyone.
I think I know where you’re going with this. During Baby Step 1, I encourage people to save up and set aside a beginner emergency fund of $1,000. Baby Step 2 is where you start paying off all your debts, except for your home, using the debt snowball system. A thousand dollars may not seem like a lot in savings during that time, but in the beginning it’s an attainable amount to save. Plus, it’s more than a lot of people have when they make the decision to get out of debt and gain control of their finances. Then, after finishing Baby Step 2 you move directly in Baby Step 3 — fully-funding your emergency fund with three to six months of expenses.
What I would recommend is having long-term disability insurance in place. It’s fairly inexpensive, especially if you get it through your employer.
—Dave


Querido Dave,
Si alguien está siguiendo tu plan, ¿es una buena idea obtener un seguro de incapacidad hipotecaria durante el Paso Pequeño 2?
Craig

Querido Craig,
No, no lo es. El seguro de discapacidad hipotecaria es un truco, y nunca lo recomendaría a nadie.
Creo que sé a dónde estás yendo con esto. Durante el Paso Pequeño 1, animo a las personas a ahorrar y apartar un fondo de emergencia para principiantes de $ 1,000. El Paso Pequeño 2 es donde comienzas a pagar todas tus deudas, excepto por tu casa, usando el sistema de deudas de bola de nieve. Mil dólares no parecen mucho en ahorros durante ese tiempo, pero al principio es un monto alcanzable para ahorrar. Además, es más que lo que muchas personas tienen cuando toman la decisión de salir de deudas y obtener el control de sus finanzas. Luego, después de finalizar el Paso Pequeño 2, pasas directamente al Paso Pequeño 3 – financiar completamente tu fondo de emergencia con tres a seis meses de gastos.
Lo que recomendaría es tener un seguro de discapacidad a largo plazo. Es bastante económico, especialmente si lo obtienes a través de tu empleador.
—Dave

daveramsey.com

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