Julia Carpenter

speaker

3,850 appearances 71 recordings 1 series first heard Oct 2019 last heard Sep 2024

Julia Carpenter’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · The Importance of Interest Rates in Paying Down Your Debt · 14 Jan 2024 podcast

And that's the most common types of loans because that's typically credit cards. voice-verified

And then very, very high interest loans are something that hopefully no one has to take out. voice-verified

A lot of states don't allow payday loans, for example, because they are in this category. voice-verified

And if you have this category of loans, pay it off right away. voice-verified

It's a tradeoff. voice-verified

We saw that feverish home buying season when interest rates were so low on mortgages that people were spending more to get the house to lock in that interest rate because it was so tantalizingly low. voice-verified

But then I was talking with homeowners who said, we know we overpaid for this house. voice-verified

We know we overpaid for it. voice-verified

But in their mind, the tradeoff they were making was, but now I have a 3% interest rate. voice-verified

And other people say, I want to wait till housing prices fall, even if I have a higher interest rate so that I can get a house and then refinance down the line. voice-verified

It goes back to what you were saying about knowing yourself. voice-verified

It's so individual. voice-verified

And there's no way that is categorically better. voice-verified

We're all also just guessing on timing. voice-verified

WSJ Your Money Briefing · Knowing Your Numbers Can Lead You to Financial Freedom · 7 Jan 2024 podcast

Thanks, JR. voice-verified

Thanks for having us. voice-verified

Yeah. voice-verified

I also – one of the things I always say when I talk about this with people is that it's really scary first, but oftentimes doing this, it's not as bad as you think it is. voice-verified

People have an ambient sense of, okay, I have this much in my bank account right now on my checking. voice-verified

I have a fine amount in savings, but God, I have so much on my credit card. voice-verified

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