LG速递：与Vivian Tu聊聊如何致富，第一部分

嘿，女士们。

Hey, Lady Gang.

本集由你们赞助。

This episode is brought to you by you.

没错。

That's right.

你们。

You.

你们和我们的通讯。

You and our newsletter.

我们最近把通讯迁移到了Substack。

We recently moved our newsletter over to Substack.

我们这样做的原因是，每周通讯都会发送给你们，包含链接和节目内容。

And the reason we did that is because each week, the newsletter will go out to you with the links, with the episodes.

现在你们可以直接在收件箱里收听节目了。

You can now listen to the episode right from your inbox.

所以，你早上打开我们，点一下播放，它就会自动播放。

So literally, you open us in the morning, you press play, and it plays.

太棒了。

Amazing.

第二，它有点像一篇博客文章。

Two, it kind of serves as like a blog post.

所以我正在看上周的一些人。

So I'm looking at people from last week.

我看到了亚历克莎、杰西卡、莎拉、妮基、凯特琳。

I see Alexa, Jessica, Sarah, Nikki, Caitlin.

你们中有许多人留言说，我想多看到这样的内容。

So many of you commented and said, I want to see more of this.

我想少看到这样的内容。

I want to see less of this.

贝卡穿的那件毛衣是什么？

What was the sweater Becca was wearing?

啰嗦，啰嗦，啰嗦。

Blah, blah, blah.

所以我们可以留言，真正地在通讯中形成一个社区，这也很棒。

So we can comment and really, like, have a community on the newsletter, which is very cool as well.

为了庆祝新通讯的推出，我们在The Lady Gang商店全场提供20%折扣，使用代码Substack。

And in honor of the new newsletter, we are offering a 20% off everything at The Lady Gang Shop using code Substack.

请前往theladygang.substack.com或theladygang.com购物，确保订阅通讯，并使用代码substack享受20%折扣。

So head on over to theladygang.substack.com or theladygang.com to shop, to make sure you're signed up for the newsletter, and use code substack for 20% off.

感谢你们欣赏这份通讯。

Thanks for appreciating the newsletter.

该做个小环节了。

It's time for a quickie.

播客一带来The Lady Gang，好莱坞女孩帮派，由The Lady Gang小插曲呈现。

Podcast one presents the lady gang, the Hollywood Girl Posse with lady gang quickie.

以下是凯尔蒂·奈特、贝卡·托宾和杰克·范尼克。

Here's Kelty Knight, Becca Tobin, and Jack Vanick.

我们快点吧。

Let's make this quick.

你好。

Hello.

你好。

Hello.

你好。

Hello.

欢迎来到Lady Gang Quickie。

Welcome to lady gang quickie.

我是Becky，和

I'm Becky here with

Jackie、Kelty一起，今天给大家准备了一个特别的惊喜。

Jackie Kelty, and we have a special treat for you today.

我们仨对什么都不懂，但今天我们请来了一位博学多才的嘉宾。

None of us know anything about anything and we have somebody here that knows a lot about a lot of things.

那么，Kelsey，我们今天请到了谁？

So Kelsey, who do we got?

听好了，新年到了，Lady Gang说：我们超爱你们三个姐妹聊天，但你们能不能像以前那样帮帮我们的生活啊？我们现在快崩了。

Listen, the new year came and the lady gang was like, we love it when just you three bitches talk, but like, can you help us with our lives like you used to because we're falling apart?

于是我们说，当然可以！今天我们请来了这位让金钱变得性感、强大且真正易懂的女性——你的富闺蜜。

And we said, yes, we We are joined by the woman who makes money feel hot, powerful, and actually understandable, aka your rich BFF.

她曾是华尔街交易员，如今是金融界的标志性人物、《纽约时报》畅销书作者、CEO、播客主持人，同时也是SoFi的金融赋权负责人——显然，一份工作根本不够她忙。

She's a Wall Street, a former Wall Street trader turned financial icon, New York Times bestselling author, CEO, podcast host, and chief of financial empowerment for SoFi because obviously one job was not enough.

她已建立起拥有超过一千万人的社群，入选《时代》杂志百大创作者名单，曾登上福布斯‘30位30岁以下精英’榜。

She's built a community with over 10,000,000 people, landed on the Time 100 creators list, was a Forbes under 40.

我的意思是，30岁以下精英榜。

I mean, a 30 under 30.

哇哦。

Wow.

她还荣获年度数字影响力人物奖，因为让金钱教育不再可怕，反而充满力量。

And took home the digital influencer of the year for making money education less terrifying and way more empowering.

现在她带着一本全新的书《财富丰盈》回来了。

And now she is back with a brand new book, Well Endowed.

她还拥有一个登顶排行榜的播客《财富与放松》，并在27岁那年顺理成章地成为百万富翁。

And she also has a chart chart topping podcast net worth and chill, and casually became a millionaire at age 27.

如果你曾经对金钱感到困惑、畏惧，或者一直在逃避查看银行账户，这位女士就是为你而来的。

I've if you've ever been confused by money, intimidated by money, or you're avoiding your bank account, this lady is for you.

有请回到女士帮派的我们的老朋友维维安·特。

Please welcome back to the lady gang, our good friend Vivian Tew.

欢迎。

Welcome.

嗨，大家。

Hi, guys.

我好想你们。

I've missed you.

我们也想你。

We've missed you.

帮帮我们。

Help us.

自从你离开后，我们都忘得一干二净了，我现在比以往任何时候都穷。

We we forgot everything since you've been here and I am definitely broker than I've ever been.

所以拜托了。

So please.

是的。

Yeah.

当然。

For sure.

是的。

Yeah.

我们完蛋了。

We're screwed.

上次你来的时候，你还像在裸奔一样。

The last time you were here, you were like strip.

我记得你之前说过你的‘strip’那档子事，现在你又回来了，我听你说，为什么还要出第二本书？

I remember you being like your strip thing and now you're back and I listen, why a second book?

比如，我们第一次错过了什么？这次又有什么不同？

Like what, what did we miss the first time and what, what is different about this one?

因为我知道很多女性读者都买了你上一本书。

Cause I know a lot of the lady gang picked up your last book.

是的。

Yes.

《Well Endowed》将于2月3日出版，我觉得我有必要解释一下这个书名，让大家明白这本书到底讲了什么。

So Well Endowed comes out February 3 and I feel like I have to explain this title so people understand what's actually in this book.

当你听到‘Well Endowed’这个词时，它通常是个笑话，你会想：又是这种烂梗。

When you hear the term Well Endowed, it's most often a joke and you're like this kind of crap.

就是那种大男子气概的 vibe。

It's a big dick energy exactly.

但如果你认真想想‘well endowed’这个短语，它其实是在描述某种东西。

But if you actually think about the phrase well endowed, it's describing something.

它描述的是一种捐赠，你以前听过这个说法。

It's describing an endowment and you've heard this phrase before.

就像哈佛大学的捐赠基金，或者你最喜欢的慈善机构有捐赠基金，所谓捐赠基金实际上是一大笔资金和资源，可以进行投资、增值，以确保任何组织的使命能够持续传承，惠及所有人。

It's like Harvard's endowment or your favorite charity has an endowment and what an endowment actually is, is a large pile of money and resources that can be invested, grow for the future so that any organization's mission can be pushed on into perpetuity and serve everybody.

那么，你如何让事情在未来持续向好呢？

So basically, how do you make things keep going good for the rest of the future?

很好。

Great.

这正是我希望每一位读这本书的人所拥有的。

That is exactly what I want for every single person reading this book.

我的第一本书教你理财的基础知识，比如预算、储蓄、投资，而《财富丰盈》则教你如何真正利用这些钱，获得你想要的生活。

My first book gave you the financial basics of budgeting, saving, investing, but Well Endowed teaches you all about like how to actually use that money to get you the life that you want.

我们中有太多人赚了钱，花掉钱，然后回头一看，只觉得：我怎么买了这么多没用的东西？

So so many of us end up making money, spending it, and looking back and just being like, how did I amass so much shit in my closet?

但我还是不快乐。

And I'm still not happy.

我没有过上我想要的生活。

I don't have the life that I want.

这本书将教你如何在当前经济环境下做出重大消费决策，比如买房、买车、购买保险，如何与伴侣或家人一起管理财务，如何为你的孩子（无论是人类还是毛茸茸的宠物）奠定财务成功的基础，如何在不危及未来的情况下，过上充实的今天并获得应得的退休生活。

This book is going to teach you how to make big purchases like a home, a car, insurance, even in this economy, how to manage money with a partner, family, how to set your kids up for financial success, whether they are human or fluffy, how to get the retirement you deserve while still having a fun today without, you know, jeopardizing tomorrow.

最后，我会通过一个最不为人知的富人秘密来总结这一切——遗产规划。

And then at the end, I wrap it all up through one of the most well kept rich people secrets is state planning.

如何设立遗嘱、信托、授权书和医疗指示，让你能够拥有你想要的完整人生。

How to set up a will, trust, power of attorney, healthcare directives, so that you get to have the entire life that you want.

当你离开这个世界时，你依然能为最深爱的人留下一份遗产。

And when you are leaving this mortal earth, you still have a legacy to leave behind to the people you love the most.

天啊。

Oh my God.

阿门。

Amen.

我们得告诉

We need to tell

你如何

you how

做到这一点。

to do it.

我知道。

I know.

好吧，我本来想说，这太让人望而生畏了，对吧？

Well, I was gonna say it's so that it's so intimidating, right?

尤其是对于那些连这些步骤都没怎么开始过的人。

Especially for somebody that like, hasn't even really taken any of those steps.

你到底从哪儿开始呢？

It's like, where the hell do you even start?

你怎么才能以一种不会让你崩溃或恐慌的方式去应对呢？

Like, how do you approach this in a way that's like, not going to make you spiral and have a panic attack?

没错。

Exactly.

我的意思是，这本书就是这么写的。

I mean, this book is written exactly like that.

每一章的末尾都有一个清单。

There is a checklist at the end of each chapter.

所以我不只是希望人们读这本书。

So I don't even want people just to read this.

你得实际去做一些事情。

You got to do stuff.

我直接给你列出了具体的第一、第二、第三、第四步。

And I give you the exact one, two, three, four.

你必须去那里，点击这个按钮，做这件事，打电话给这个人，才能让这一切发生，因为我完全理解这感觉极其令人不知所措。

You have to go to here, click this button, do this thing, call this person to make it all happen because I do understand that it feels incredibly overwhelming.

对我来说，这也感觉极其令人不知所措。

It felt incredibly overwhelming for me.

听我说，我现在到了这个年纪，我们所有人其实都处在‘夹心一代’。

Listen, I'm at that age now and we are all of us on this like are the sandwich generation.

我们现在这个年纪，人们都在生孩子，照顾自己的家庭，但父母也开始变老了，你得意识到，比如妈妈可能已经没法自如地上下楼梯了。

We are at the age where people are having kids and they're taking care of their own families, but their parents are also starting to get older and you've got to be like, so like mom's like not a 100% going to be able to walk up and down those stairs.

那我们该怎么照顾她呢？

Like how are we going to take care of her?

我们该如何确保既能照顾上面一代，又能照顾下面一代？

How are we going to make sure that I can take care of the generation above me and below me?

顺便说一句，现在什么都太贵了。

Oh, by the way, everything is so expensive now.

那我们该怎么应对呢？

Like how do we do that?

所以我感受到了这种压力。

And so I felt that stress.

我有朋友的父母去世了。

I had friends whose parents passed away.

我也有朋友正在生孩子，你知道的，那是一种……

I had friends who were having babies and you know it was.

简直就是婚礼和葬礼，婚礼和葬礼交替发生。

It was literally weddings and funerals, weddings and funerals.

这让我意识到，是时候为自己制定遗产规划了。

And I think that made me realize it was time to set up my own estate plan.

在我做完自己的规划后，我给父母打了电话，问他们：你们有规划吗？

And after I did mine, I actually called my parents and I was like, you guys have one, right?

他们没有。

They did not.

没有。

No.

父母都快七十岁了，快七十多岁了。

Parents are in their late 60s, early 70s.

他们根本没有规划。

They did not have one.

于是我不得不挺身而出，当一回大人，帮父母制定他们的规划。

And so I had then had to go and be the adults, be the parent and help my parents set one up for them.

我意识到，很多人根本没有充分利用这些工具，而这些工具本可以让他们在生前和去世后的生活都变得轻松许多。

And I realized so many people are not taking full advantage of these tools that could make their life while living and when they pass so much easier.

我觉得这是一个非常重要的信息，也正因如此，我认为你的书籍和播客如此有意义。因为我们是女性，从小就被教导不要索取更多，也不要谈论金钱，因为金钱——我不愿这么说，但金钱依然是男性更擅长掌控的事情，所以我们很多人都像迷你版的《比佛利娇妻》里的角色，就像这一季的阿曼达，我需要你的看法。

I think it's a really important message and why I think your books and your podcast is, you know, I think that we, because we are women and we are taught to like not ask for more and not talk about money, because money, I hate to say it, but money is still a thing that like the guys figure out, which is like so We messed are all like, you know, listen, not all of us, but many of us are like mini Dorit's on the housewife where like this season of how Beverly Hills, Amanda, I need your take on this.

但阿曼达·弗朗西斯真的会直接问：‘那你现在有什么？’

But Amanda Francis is literally like, well, well, what do you have?

你有退休账户吗？

And like, you have a retirement?

她却说：‘我不知道。’

And she was like, I don't know.

哦，都是PK打理的。

Like, you know, PK did it all.

我完全不清楚。

Like, I have no idea.

你想想，一个穿着全套路易威登、看起来如此光鲜的女人，居然连自己有没有退休账户都不知道，这真的太令人震惊了。

And it is like, I mean, it was so shocking to watch this woman that can dress in head to toe Louis Vuitton, not know if she's a retirement account.

我觉得有很多人就是这样想的：我在这个星球上的任务就是赚钱，过上好日子，买房子、买车子之类的。

Like, I do think there are a lot of people out there that were like, okay, my job on this planet is to make money and afford a life and like get a house, get a car, whatever.

当然。

Sure.

但关键是切换思维模式，让钱在我活着的时候为我工作，比如睡着的时候也能赚钱，以及这些钱该往哪里去。

But like then switching the mode to making that money work for me while I'm on this planet and like make money while I'm sleeping and where that money should go.

然后对于像贝卡这样有个四岁孩子的人来说，我该怎么存钱、省税，为他的未来做打算？

And then how to take that money for Becca who has a four year old, like how do I put that money away and save on taxes and save for him for the future?

这都是更高阶的事情，但真的让人害怕。

Like it's all next level shit and but it's really scary.

抱歉。

Sorry.

我只是想说，这真的非常有共鸣。

I'm just saying like this is very relatable.

我能跟你说一件我经常在私信里收到的问题吗？

Can I tell you something that I get all the time in my DMs?

人们觉得我总在说，每个女性都应该清楚自己的收入和支出，但有人会说，哦，我丈夫不会离开我的。

People think like I talk about like every single woman needs to know what is coming in, what is going out, and people are like, oh, well, like my husband's not going leave me.

我根本不是在谈论最坏的情况——比如你结婚十年后，丈夫抛下你去和一个年轻漂亮的女人跑了。

I'm not even talking about the worst case scenario of your husband leaves you for a hot young thing, ten years into your marriage.

我指的是我经常收到的私信：‘维维安，我丈夫刚去世了，我们结婚四十五年了。’

What I'm talking about is the DM that I commonly get, which is, Hey Vivian, my husband of forty five years just passed away.

我们的关系一直很美好，但他走了之后，我连银行账户的密码都不知道。

We had a really wonderful, relationship, but now that he's gone, I don't even know the password to my bank account.

这让我感到非常震惊。

That is horrifying to me.

你现在处于一个极其财务脆弱的境地。

You are in an incredibly financially vulnerable position.

因为你根本不清楚自己拥有什么，所以很容易被人利用。

You are in a great position to get taken advantage of because you do not know what you have.

坦白说，有四点是我希望每个听者都必须明白的。

And frankly, it's a foursquare of things that I need everybody listening to know.

好的。

Okay.

就是你赚的、你拥有的、你欠的，以及你花掉的。

It's what you make, what you have, what you owe, and what you spend.

所以你赚的，这个很简单。

So what you make, that's very simple.

你的年收入是多少？

It is what is your income every single year?

你拥有的是什么？你的资产有哪些？

What you have is what is your assets?

你的资产有哪些？

What are your assets?

比如，你有没有拥有房产、股票投资组合之类的？

So like, do you own things like a home, stock portfolios?

你有没有需要了解的银行账户？

Do you have bank accounts that you need to know about?

你欠了什么？

What you owe?

这些是债务，比如抵押贷款、汽车贷款、信用卡债务，然后你的支出就是你的每月开销以及这些钱是从哪个银行账户支出的？

These are debts, things like mortgages, car loans, credit card debt, and then what you spend is what are your monthly expenses and what bank account does it come out of?

因为当有人去世后，银行账户会被关闭，所有资产都要经过遗嘱认证法庭进行转移。

Because what happens when somebody passes and then the bank account gets shut down and everything gets transferred through probate court.

然后你突然意识到你的电费账单没人支付了。

And then all of a sudden you realize like your light bill is not being paid.

你会在黑暗中坐三天。

You're going to sit in the dark for three days.

我不希望任何人经历这种事。

I don't want that to happen to anybody.

我觉得每个人都应该在每段关系中了解这一点，尤其是女性，因为99%的家庭暴力案件也包含经济虐待。

I feel like every single person should know this in every single relationship, but in particular women, because 99% of domestic violence cases also include financial abuse.

我很抱歉地说，这种情况发生在女性身上的频率远高于男性。

And I am so sorry to say this happens to women more often than it happens to men.

所以我们必须确保所有女孩都清楚自己的财务状况。

So we need to make sure all of the girlies know exactly what's up with their money.

这太疯狂了。

It's crazy.

我看过几个TikTok上的女性博主，她们正在经历 exactly 这个过程，并且实时发布相关内容。

I've seen a couple different TikTokers like women on TikTok that have, that are going through this exact process and they're kind of posting about it in real time.

对于一个人来说，这可能是最可怕的状态，就是你一无所有。

And it is like the scariest position for somebody to be in, where it's just like, you, you have nothing.

我的意思是，有一个女人，她丈夫并没有去世，但他只是说：我要离婚。

I mean, one woman, her husband didn't die, but he just was like, I'm getting a divorce.

你得搬出我的房子。

You're getting out of my house.

但他之前完全供养着她。

But he supported her completely.

而她自己根本没有收入。

And she had no, she wasn't making money on her own.

这就像是，你被逼到这样一个艰难的境地，你从没想过这种事会发生在自己身上，直到它真的发生了。

And it's just like, that's really, it's such a hard place to be put in and you never think it's going to happen to you until it does.

所以她本该签一份婚前协议的。

And that's why she should have gotten a prenup.

说到婚前协议，我觉得自己就像站在山崖边大喊的老人，我拼命劝每个人都去签一份，因为即使你不去找律师，和伴侣及其律师一起起草一份，至少也要签一个——否则，你的州政府会替你拟定。

I feel like I am like the old man yelling off the side of the mountain when it comes to prenups, but I'm like begging everyone to get one because even if you don't go to an attorney and draft one with your significant other and their attorney, you get one, but your state government gets to write it.

不管怎样，都得签。

And left, right, or center.

我才不在乎呢。

I don't give a shit.

你绝不可能比你自己更了解你们的关系，却去完全信任政府。

Like you cannot possibly trust the government more than you trust yourself in knowing your relationship.

这种行为太疯狂了。

That is crazy behavior.

签婚前协议的目的，不是为了让一方成为资本家，而另一方变得一无所有。

A prenup is not so that one person leaves the relationship a robber baron and the other person leaves destitute.

这实际上是一种保护。

It's actually a protection.

你们可以在一个阳光明媚的日子，坐下来和伴侣谈谈。

You sit down with a significant other on a sunny day.

这正是重点。

That's the point.

你们要在彼此厌倦之前、在有人出轨之前、在十年的怨气积累于不做洗碗 chores 之前，就做好这件事。

You do it before you hate each other, before someone's cheated, before it's ten years of resentment of not doing the dishes.

你们要在彼此充满爱意、毫无芥蒂的日子里坐下来，共同决定什么是公平的。

You sit down on a day where you both have nothing but love for each other and you decide what is fair.

而这种公平可以有无数种形式。

And that can look like so many different things.

因此，我特别鼓励那些收入较低、或计划退出职场成为家庭主要照顾者的女人。

And that's why I actually encourage, especially women who make less or are planning to take a step back from their career to become heads of household.

如果你打算暂时离开工作岗位，你就必须签一份婚前协议，而且协议里要明确写明：我会每月获得一笔固定金额，以确保我有自己的收入，因为你放弃职场收入，是为了让整个家庭节省育儿开支。

Like if you are planning to take time off from work, you need to get a prenup and your prenup needs to say, oh, I will be given this amount of money so that I have my own money every single month because you are giving up money, being in the workplace so that your whole family can save on childcare.

你必须弥补这失去的十年。

You have to make up for that decade lost.

如果你离婚并需要重返职场，你必须考虑到，你不仅失去了这段时间的收入，还失去了本可以在这段时间内投资产生的复利。

If you get divorced and you need to reenter the workforce, you need to account for the fact that not only are you losing the money that you're not making, it's that compounding of money that could have been invested during that time.

所以这至关重要。

So it is so important.

所有在听的人，去签一份婚前协议吧。

Everybody listening, get a prenup.

如果你没有婚前协议，但已经结婚了，那就签一份婚后协议。

If you don't have a prenup, you're already married, get a postnup.

你可以在事后补办，但你必须清楚地知道，在你最糟糕的日子和最美好的日子里，会发生什么。

You can do it after the fact, but you need to know exactly what's gonna happen on your worst day and on your best day.

我有个问题想问你。

I have a question for you.

我非常喜欢这些建议。

I love this advice.

我觉得这非常重要，而且我觉得人们搞错了，他们认为如果没有大量的钱，就不需要婚前协议。

I think it's super important, and I think people have it twisted that they think if you don't have oodles and oodles of money that you don't really need a prenup.

是的。

Yeah.

但你会说，

But what would

如果你请不起律师，又在阳光明媚、热恋中的日子一起商量，你该怎么判断什么是公平的呢？

you say, you know, if you can't afford to go to an attorney and you are gonna meet together on a sunny day where you're madly in love, how do you figure out what is fair?

所以，有没有办法知道，比如我放弃了事业，不再赚钱，为我们的家庭做出了牺牲。

So are there ways to know like, hey, I'm leaving my career and not making an income and I'm sacrificing for our family.

像这样的牺牲，你希望从他那里获得多少补偿呢？

Like how much of that income are from him are you asking for?

有没有某种类似……叫什么来着？

Is there some sort of like, is there some sort of like, what's it called?

我词穷了，但你知道，比如……

I have no words, but you know, like

一份工作表。

a worksheet.

是的。

Yeah.

像一个公式，一个公式。

Like a formula, a formula.

所以，我的建议是，如果你没有很多钱，就不需要花大价钱请律师。

So basically what I would say is in terms of like if you don't have a lot of money, you don't want to spend a ton of money on lawyers.

你可以使用像Hello Prenup这样的服务。

What you can actually do is perhaps go to a service like a Hello Prenup.

它能帮你完成99%的内容。

That'll get you like pretty much 99% of the way there.

如果你只是需要安心，可以在软件完成之后，请律师简单审核一下，确保一切无误。

And then if you even just need the peace of mind, you can have a lawyer check just to make sure everything looks right after it's already done through the software service.

我向你保证，你的关系并不比成千上万已经走过这个流程的其他关系更独特。

I promise you, your relationship is not that much more unique than a dozen gazillion other relationships that have already gone through this process.

你不是做过这件事的最富有的人，也不是最穷的人。

You're not the richest or the poorest person who's ever done this.

你大概处于中间水平。

You're probably somewhere in the middle.

因此，对此感到安心吧。

So feel comfort in that.

至于如何决定什么是真正公平的，这完全是你自己需要讨论的问题。

In terms of deciding what is actually fair, this is a very much up to you conversation.

不过，我喜欢考虑的是：你放弃了多少收入，以及如果你分开的话，需要多少才能感到安心？也就是说，什么样的条件能让你过上幸福的生活？

However, something that I like to consider is think of the salary you're giving up and what you would need to feel comfortable If you were to part essentially, like what would help you live a happy life?

你需要什么？

What would you need?

这并不意味着你放弃的每一分钱都必须得到补偿。

And that's not necessarily to say that like every dollar that you're giving up in the workplace needs to be compensated for.

这是你们作为家庭所做出的选择。

That is a choice that you're making as a family.

但我认为，如果你的伴侣在工作，你应当获得一笔资金存入配偶退休账户，比如配偶IRA，或存入一个完全属于你的投资账户，或存入一个你可以自由支配的银行账户，因为你正在承担司机、厨师、管家、家教的劳动。

But I do think that there should be money being deposited for you if your partner is working into a spousal retirement account, like a spousal IRA, into an investment account that is just yours, into a bank account that's money that you get to enjoy because you are doing the labor of a chauffeur, a chef, a housekeeper, a tutor.

你正在做所有这些事情，而它们之所以无偿，往往是因为在家的人大多是女性。

You're doing all of these things, And it's only unpaid because more often than not, the person who stays home is a woman.

这实际上改变了我的大脑化学反应。

And this actually changed my brain chemistry.

前几天有人跟我这么说。

Somebody said this to me the other day.

他们说：‘只有当女性做这些事时，才被认为是无偿的、低贱的。’

They were like, well, it's only it's only unpaid and, like, lame when a woman does it.

所以当一位女性在家做饭时，这被视为无偿劳动，是免费的。

So like when a woman is at home and cooks, it's unpaid labor and it's free.

但当一个手臂纹身的男性做烤猪腩并获得米其林星级时，他就是名人厨师，这是一个报酬极高的职位。

But when some guy with an arm sleeve tattoo is making roast pork belly and getting a Michelin star, he's a celebrity chef and it's a very highly paid position.

因此，我认为我们真的需要重新思考这种未获补偿的劳动的价值，以及它对我们的日常生活究竟有多大的帮助。

And so I think we need to really reconsider like what is the value of that uncompensated labor and how much it actually helps our everyday to day life.

《Lady Gang》由进步保险公司赞助播出。

Lady Gang is brought to you by Progressive Insurance.

你今天选择了收听这个播客。

You chose to hit plan this podcast today.

非常明智的选择。

Very smart choice.

进步保险非常乐意帮助人们做出明智的决定。

And Progressive loves to help people make smart choices.

因此，他们提供了一个名为“汽车报价探索器”的工具。

That's why they offer a tool called Auto Quote Explorer.

它能让你将进步保险的汽车保险报价与其他公司的报价进行比较。

It allows you to compare your Progressive car insurance quote with rates from other companies.

这将帮助你节省研究时间，同时在选择最适合你的费率时获得实惠。

And that's gonna help you save time on research, and you can enjoy savings when you choose the best rate for you.

本集结束后，请前往 progressive.com 试用一下。

Give it a try after this episode at progressive.com.

Progressive意外保险公司及其关联公司并非在所有州或情况下都可用。

Progressive casualty insurance company and affiliates not available in all states or situations.

价格因购买方式而异。

Prices vary based on how you buy.

我是贾斯汀·西尔维斯特。

I'm Justin Sylvester.

我是布莱克利·桑瑟尔。

And I'm Blakely Thornton.

欢迎收听《昨日凝视》，这档播客将剖析历史上最重要的流行文化时刻，并给予它们应得的酷儿之爱。

Join us for Yestergaze, the podcast where we break down the most pivotal pop culture moments in history and give them the queer love that they deserve.

那些在拨号上网时代让我们激动不已的事情，

The things that got us riled up during dial up,

那些本该是分手的亲吻，

those makeouts that should have been breakouts.

以及那些被永久铭刻在流行文化中的经典瞬间。

And the drops that were cemented in pop.

我说的是Binnifer。

I'm talking Binnifer.

泰拉对娜奥米。

Tyra versus Naomi.

汤姆·克鲁斯跳上那张沙发。

Tom Cruise jumping on that couch.

还有更多呢。

And so much more.

所以请给我们评分，并在Apple Podcasts、Spotify或你收听音频内容的任何平台订阅我们。

So please rate us, subscribe to us on Apple Podcasts, Spotify, or anywhere you get audio related content.

我们还接受Venmo。

We also take Venmo.

还有Cash App。

And Cash App.

ACH呢？

ACH?

或者也可以用信用卡。

Or credit card number as well.

我们是很灵活的。

We're we're malleable.

是的。

Yeah.

我们今天是同志。

We're We're gay today.

女士团体。

The lady gang.

我们女士团体里有这么多妈妈。

We have so many moms in the, you know, in the lady gang.

你知道的，杰克现在在计划生育。

And, you know, Jack is family planning at the moment.

正如我所说，贝卡有她的儿子。

Like I said, Becca has her her son.

我知道书里讲了很多关于育儿规划和应该为孩子存钱的内容，比如如何把孩子聘为员工来获得税务抵扣。

I know there's all this stuff in the book about planning and funds you should be putting money into when your babies and, like, how you can hire your child as an employee and get tax write offs.

我想深入聊聊这个话题。

Like, I wanna jump into that.

或者，丽贝卡，你来主导吧，毕竟你真的有孩子，但我对这个非常感兴趣，我觉得很多‘女士帮’成员也会非常想了解这些信息。

Or, Rebecca, I'm gonna let you lead because you actually have a child, but I am very interested in this and I think a lot of the lady gang would be, you know, dying to know this information.

是的。

Yeah.

我的理解是，凯尔蒂，你刚才就是这么说的吧。

I mean, I'd I think that's how you stated it, Kelty.

比如，你怎么为孩子做安排，当然，扎克和我已经很好地规划了如果我们去世后的情况。

Like how do you set your kid up so that, well, obviously Zach and I have done a pretty good job of what happens to us if we die.

这很好。

That's nice.

这样他就不用将来和兄弟姐妹们争执，比如关于财产该怎么处理之类的问题。

He won't have to be fighting with, you know, future siblings potentially on like, you know, what is happening.

但你知道吗，我父母每年都会为孩子的大学教育存钱，也就是529计划。

But what happens you know, my parents, they do put money into the the college or education, the five zero one.

是529计划。

The five two nine.

5029。

5 02/09.

每年孩子生日和节假日都会存一些钱进去。

Every year for my kid's birthday and holidays and all that stuff.

所以这笔钱实际上已经在积累中了。

So that is actually, like, going.

等他高中毕业时，我觉得他的大学学费就已经全付清了，而我父母每年往这个账户存钱也能获得不错的税务减免。

And by the time he graduates high school, I do think his college will be paid for, and my parents will have a really nice tax write off each year by putting money into that account.

但还有没有其他我可以做、或者让我父母帮忙的事情呢？

But are there other things that I could be doing that I could be asking my parents to help with?

比如，那会是什么样子？

Like, what's that look like?

听我说。

Well, listen.

我认为住在你家的人不应该免费住着。

I don't think that anybody living under your roof should be living there for free.

是时候给宝贝找点有趣的兼职了。

I think it's time to get baby a fun little side hustle.

听好了，这可以是儿童模特。

Listen, this could be child modeling.

也可以为Lady Gang做一些营销。

This could be maybe doing some marketing for lady gang.

甚至只是让他出现在关于孩子的剧集宣传材料中。

Even just having him in the promotional materials for an episode about kids.

类似这样的事情。

Something like that.

我真正想表达的是，我希望你儿子有收入。

Basically, what I'm trying to get at is I want your son to have earned income.

随着他们长大，这件事会变得容易一些，对吧？

This gets a little bit easier as they get older, right?

比如他们当家教、割草、铲雪，或者做些类似儿童任务的事情时。

Like when they're tutoring or mowing lawns or shoveling snow or doing something that's like child task.

但如果你保持一份准确的账目，他们需要有收入的原因是，这样他们就可以将这些钱存入托管的罗斯IRA账户。

But if you keep an accurate ledger, the reason why they need to have earned income is that then they can contribute that money into a custodial Roth IRA.

这非常强大，因为只要他们开始赚钱，你就可以尽早开设，其运作方式与你们中任何一个人的罗斯IRA完全相同。

And this is so powerful because you can start it as early as they start making money and you put it's it works exactly similar to how a Roth IRA would work for one of you guys.

你可以最多存入7000美元，这是目前的年度上限。

You can contribute up to the maximum, the maximum being right now, 7,000 per year.

这笔钱是进入的。

That money is go.

它是在税后存入的，通常以孩子较低的税率缴纳，然后这笔钱可以进行投资并免税增长。

It goes in post tax, oftentimes at the child's lower tax rate, and then they can actually have that money invested in grow tax free.

当他们退休后取出这笔钱时，是免税的。

And then when they want to take money out for retirement, it's tax free.

最棒的是，你可以随时无税取出所缴款项，不是收益部分，而是缴款部分。

And the best part is you can actually take the contributions out at any point tax free, not the, not the growth, but the contributions.

比如说，他们在18岁时需要一笔紧急过桥贷款，只是为了完成大学的最后一学期。

So say they need like an emergency bridge loan at age 18 to just finish the last semester of college.

他们可以通过这种方式获得资金。

They can get the money that way.

你知道，我只是需要一点帮助来支付购房的首付款。

There is a, you know, hey, I just need, something to help finish the down payment for this home.

他们可以通过这种方式获得资金。

They can get the money that way.

我建议尽可能长时间地保留这笔钱，这样他们才能真正用它来养老。

I would say keep it in there for as long as possible so that they're actually able to use it for retirement.

但如果你足够早开始，每年都能缴纳最高限额，你的孩子退休时就会成为百万富翁。

But if you start early enough, if you contribute the maximum every single year, your kid will retire a millionaire.

天啊。

Holy shit.

这太棒了。

That's great.

比如，如果贝卡在做Instagram，她正在做Instagram广告，同时在Lady Gang上发一篇博客文章，标题是‘和四岁孩子相处时救了我命的十件事’。

So like if Becca was doing, say she's doing like Instagram, like she's doing Instagram ads and she's doing a blog post on Lady Gang that's like, here's the 10 things that saved me with a four year old.

然后里面讲的是玩具，啊，啊，啊，啊，啊，啊。

And it's like toys, ga, ga, ga, ga, ga, ga.

如果我们能记录下来，她能不能稍微深入讲一点细节？

If we keep track of that and she like how like, can you just go into the weeds a tiny bit?

是的。

Yeah.

作为一个实体的Lady Gang。

Lady Gang as an entity.

我假设是Lady Gang LLC或者Lady Gang Inc会支付给婴儿。

I'm assuming it's like Lady Gang LLC, Lady Gang Inc would pay baby.

是的。

Yeah.

而且必须像支付编辑一样，保留这笔付款的账目和税务文件——比如在税季来临前，你必须确保拥有他们的W-9表格，并向他们发放1099表格，诸如此类的事情。

And there would have to be like a ledger kept, tax documentation kept about this payment in the same way that like when you pay an editor at the end of, you know, right before tax season, like you have to make sure you have their W nine, you issue them a ten ninety nine, things like that.

一旦这些记录被妥善保存，这笔款项就被视为婴儿的收入。

Once that is kept on record, that is then considered income for baby.

婴儿就可以合法地将这笔收入申报为应税收入。

Baby can then actually claim that as income.

然后这笔钱就可以用于这些账户。

Then that money can be utilized for those accounts.

所以那些没有……的人。

So people that don't have Yeah.

我的意思是，我自己就注册了一个S型公司。

A I mean, I have an S corp just as myself.

我觉得很多人的做法其实也差不多，现在越来越多的人开始这样做了。

I think a lot of like really I think there's a lot of people out there that are kind of starting to do that as well.

我当然可以从我自己的S型公司支付给他，作为他为我工作的报酬。

I could obviously pay him out of my own s corp for for jobs he does for me.

比如，一个房地产经纪人，如果她有孩子并想利用这一点，是否需要等孩子大一点，然后由别人付钱让他们帮忙照看孩子或修剪草坪？

But like, what is say, like a real estate agent, if she has a kid and she wants to kind of take advantage of this, does it need to be when they're a little bit older and they're being paid by people to babysit or paid by people to mow lawns?

必须是来自外部的收入来源。

Like it has to be some outside source.

不一定需要是外部来源。

It doesn't necessarily need to be an outside source.

支付金额只需符合市场公允价值即可。

The payment just has to be fair market value.

你不能说：‘我付给我孩子一张他们照片的费用是7000美元，对吧？’

So like you can't be like, ah, I'm paying my kid for one photo of them and it's $7,000 Right?

比如，一张照片的授权费几百美元就比较合理。

Like that's not reasonable, but a couple $100 for a license of a photo is pretty standard.

所以如果你有营销材料用了宝宝的脸，你就必须为这张照片的授权付费。

So you have marketing materials, baby's faces You on have to pay for that license.

哇。

Wow.

太疯狂了。

It's crazy.

太聪明了。

So smart.

好的。

Okay.

我想了解一下，妈妈在 setup 的时候还应该考虑些什么？

I wanna get into is there anything else mom should think about like of setting up?

你刚才提到了 529 计划，能简单讲讲这是什么吗？如果有人还不了解的话。

Like, talked about the five can you talk quickly about the five two nine and what that is if people don't have it?

是的，529 计划是一种享受税收优惠的账户，用于为教育费用进行投资。

Yeah, a $5.29 is just a tax advantaged account that helps you invest for educational costs so.

每个州都可以开设一个，实际上超过 30 个州提供某种州税优惠，比如抵免或扣除。

You can do one in every single state and over 30 states actually have state tax benefits, some sort of credit or some sort of deduction that you can potentially take.

然后，你基本上就是做。

And then essentially what you do is you.