📋 节目简介 (Description)

Not all debt is created equal. A mortgage that builds home equity works very differently from credit card debt at 22% interest. In this episode, we break down the critical distinction between good debt and bad debt, and reveal why the real question isn't whether to borrow, but what you're borrowing for. You'll learn the simple interest rate test that determines if debt helps or hurts you, understand why paying off high-interest debt beats almost any investment, and discover the debt avalanche method that saves you thousands in interest payments. This isn't about avoiding all debt — it's about using it strategically instead of letting it use you.

🎧 本集精华 (Key Takeaways):

⦁ 好债vs坏债 (Good Debt vs Bad Debt)：理解为什么低利率、用于购买增值资产的债务（如房贷）可以是财富工具，而高利率消费债务（如信用卡）是财富杀手。

⦁ 利率决定论 (Interest Rate Test)：掌握简单判断法则——如果债务利率高于你的投资回报率，优先还债；如果低于，可以考虑先投资。

⦁ 信用卡陷阱 (Credit Card Trap)：揭露最低还款额的真相——20%+的年化利率如何让一笔小额消费滚成长期负担，以及复利如何反向作用于你。

⦁ 雪崩还债法 (Debt Avalanche Method)：学习最优还债策略——优先偿还高利率债务，数学上节省最多利息，比"雪球法"更高效。

⦁ 投资vs还债的决策框架 (Invest vs Pay Off Debt)：建立清晰的优先级——先建立小额应急金，然后消灭高息债务，最后才全力投资。

💡 核心词汇 (Vocabulary):

1. Good Debt: 好债/优质债务（低利率、用于购买增值或产生收入资产的借款）。

2. Bad Debt: 坏债/劣质债务（高利率、用于消费性支出的借款，如信用卡债）。

3. Interest Rate Arbitrage: 利率套利（借低息债务投资高回报资产的策略）。

4. Minimum Payment Trap: 最低还款陷阱（只还最低额导致债务长期滚动增长的现象）。

5. Debt Avalanche: 雪崩还债法（优先偿还最高利率债务的还款策略）。

6. Debt Snowball: 雪球还债法（优先偿还最小金额债务的心理激励型还款法）。

7. Compound Interest in Reverse: 反向复利（债务利息的滚动增长效应）。