假设你有以下债务：
a. 房贷：RM 60万；利率4%；每月还款RM 2000
b. 车贷：RM 13万；利率6%；每月还款RM 1500
c. 信用卡债务：RM 2万；利率18%；每月还款RM 1000
d. 个人贷款：RM 3万；利率8%；每月还款RM 2000
e. 教育贷款：RM 2万；利率1%；每月还款RM 200
如何才能最有效地减少这些债务？
在我们下一场1小时的在线研讨会中，我将讨论现金流指数（CFI）的概念，它能帮助我们判断哪种债务效率较高，并决定应优先偿还哪种债务。通过这种方法，我们可以更有效地管理债务水平。
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