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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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Ep68: Can You Truly Afford That House? 2 Ratios Every Physician Must Know
Manage episode 439654634 series 3595688
内容由Dr. Disha Spath, MD, and FACP提供。所有播客内容（包括剧集、图形和播客描述）均由 Dr. Disha Spath, MD, and FACP 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品，您可以按照此处概述的流程进行操作https://zh.player.fm/legal。
Dr. Disha tackles a recurring question in physician finance groups: “Can I afford this house?” Using a case study of the Smith family, she walks through the key financial ratios—HR1 (housing costs) and HR2 (debt-to-income)—that determine whether a home purchase is financially sustainable. Despite a $300K annual income, the family’s student loan and car payments push their debt-to-income ratio to 42%, beyond the recommended 36%. Dr. Spath advises waiting to buy, paying off existing debts, and boosting savings before stretching for a home that could lead to financial strain.
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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.
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