LG快问快答：与Vivian Tu一起探讨致富之道（下）

嘿，姐妹们。

Hey, lady gang.

如果你是资深千禧一代，当我提到我们搬到了Substack时，你可能会问：Substack到底是什么东西？

If you're an elder millennial and when I say, we moved to Substack, you're like, what the hell is a Substack?

Substack是一个通讯平台，基本上，它就是我们每周向你们发送通讯的方式。

So Substack is a newsletter platform, and, basically, it's how we're sending our newsletter to you every week.

但它真的很酷，因为它也是一个博客。

But it's really, really cool because it's also a blog.

所以我们可以发布幕后信息、问题、给你们的优惠、链接，所有内容。

So we can post behind the scenes info, questions, deals for you, links, everything.

在你打开时，底部可以留言，说声嗨。

And at the bottom of it, when you open it, you can comment on it and say, hey.

我喜欢这个。

I love this.

我真想见见这个人。

I'd love to see this person.

或者你们怎么不聊聊《告诉我谎言》之类的内容呢？

Or why are you not talking about tell me lies or whatever.

对我们来说，这是一个很棒的中心和社区平台，尤其是在这个新的Lady Gang时代，也许你想要远离Instagram，而Facebook又让你感到不堪重负。

It's really a great hub and community place for us, and especially in this new era of Lady Gang where maybe you wanna stay off Instagram and, like, Facebook is overwhelming for you.

这个平台会直接发到你的邮箱，独立存在，我们非常喜欢这一点。

This is a place that just comes to your email and it lives on its own, which we love.

如果你还没订阅我们的通讯或Substack——其实它们是一回事——你可以访问ladygang.com，向下滚动到‘加入群聊’的地方，输入你的邮箱，我们会把你加到列表里。

If you haven't signed up for the newsletter or the Substack, they're the same thing, but you can go over to the ladygang.com, scroll down where it says join the group chat, and just put your email in there, and we'll add you to the list.

我们非常期待你每周都能收到它，内容一定会很棒。

We're so excited for you to get it every single week, and it's gonna be great.

里面有一些特别酷的东西，比如我们的新商店网站，当我穿了毛衣、涂了唇膏，或者Becca穿了毛衣，或者Jack谈论她喜欢的头发产品或枕头时，都会分享出来。

There's some really cool things in there, our new shop my site, which is when I wear a sweater or lip gloss or Becca wears a sweater or Jack's talking about a hair thing or a pillow she loves.

我们现在把这些东西都做了链接，你就不必再给我们发私信问：‘Becca在播客里提到的那个洗发水是什么？’

We now have all of that stuff linked, so you don't have to, like, DM us and be like, what was that hair shampoo that Becca was talking about on the podcast?

所有这些内容我们都在那里为你做好了链接。

We got it all linked there for you.

购买我们最爱的商品很容易。

It's easy to shop our faves.

我们非常兴奋。

We're so excited.

所有内容都集中在 ladygang.com 上，谢谢收听。

So it all lives on the ladygang.com, and, thanks for listening.

现在来玩个小游戏吧。

It's time for a quick game.

Podcast one 呈献《Lady Gang》——好莱坞女孩帮派，带来 Lady Gang 快问快答。

Podcast one presents the lady gang, the Hollywood girl posse with lady gang quickie.

以下是 Kelty Knight、Becca Tobin 和 Jack Vanick。

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Becca，和Jack、Kelty在一起，而且应广大听众的强烈要求，我们的好友Vivian也来了，来继续我们之前未完的对话，因为显然你们根本听不够。

I'm Becca here with Jack and Kelty and by backed by popular demand, our rich BFF Vivian too, is here to finish up the conversation we started because apparently you guys couldn't get enough.

而我个人则更自私地。

And I personally have more selfishly.

我还有更多问题想

Have more questions that I want

问。

to ask.

欢迎回来，Vivian。

So welcome back Vivian.

谢谢大家。

Thanks guys.

再次见到你们真好。

So good to see you again.

好的。

Okay.

我们上周刚聊过这个话题，但Vivian出了一本新书，叫《Well Endowed》，内容完全是关于如何规划你的人生。

So we were talking about this last, last week, but Vivian has a brand new book called Well Endowed and it is all about setting up your life.

就是这本。

There it is.

你看起来真可爱。

You're looking so cute.

我真的很喜欢你的穿搭，你太有品味了，太棒了。我待会儿要讲一个关于你的小故事，但我真的特别欣赏你的时尚感。

I really love I'm gonna tell a quick story about you in a second, but I really love your fashion and how chic you are, and it's amazing.

但在我们深入之前，如果你对金钱感到恐惧，只是需要一份练习表，Vivian，你能解释一下这本书吗？你读的时候会有一些小练习表，然后解释一下，当你预购时，到底能获得哪些东西。

But, know, before we even get into this, if you're someone who is afraid of money, and you just need a worksheet, Viv, can you explain this book and how you're reading and then there's little worksheets and then explain how when you preorder it, you basically get all these things.

所以如果你不是个爱读书的人，有些人就是觉得我永远不会读一本书，他们只想知道关于和男友分摊房租该怎么做的一些练习表。

So if you're not a reader, which some people are like, I'm never going to read a book and they just want the worksheets on what they should do with their boyfriend on paying rent.

Vivian也为你们准备了这些。

Vivian has that for you too.

完美。

Perfect.

是的。

Yeah.

所以毫无疑问，这本书将在2月3日上市。

So well in doubt it comes out February 3.

这本书将教会每个人如何用钱获得他们真正想要且应得的生活。

This book is going to essentially teach everybody how to use their money to get the life that they actually want and deserve.

我希望每个人都能不再看着自己的衣橱，心想：哦，我的钱都花在这儿了，我后悔一半的消费。

I want everybody to feel like they aren't looking at their closet and being like, oh, that's where all my money went and I regret half of it.

我希望你们能感受到，即使在这样的经济环境下，你们也能买房、买车、买保险；能管理好与家人、朋友之间的金钱关系；能为孩子打下财务成功的基石，无论是现实的还是可爱的；能拥有你们真正应得的退休生活。

I want you to feel like you can buy a home and a car and get insurance even in this economy, that you can manage money in your relationship with your family, with your friends, that you can set your kids up for financial success, both human and fluffy, that you have the retirement that you actually deserve.

你可以今天享受生活，同时为明天做好准备。

You get to have fun today but still prepare for tomorrow.

通过遗产规划——这是富人最隐秘的秘诀之一——你能够确保你的信托、遗嘱、授权书和医疗指示文件，帮助你在一生中照顾好自己，在离世时妥善安排，并依然能为你最深爱的人留下遗产。

And then through estate planning, one of the best kept rich people secrets, you're actually able to make sure that your trust and will and power of attorney documents and your healthcare directive allow you to take care of yourself in this entire lifetime, take care of yourself as you're passing, and then still being able to leave a legacy for the people you love the most.

现在预购这本书，请访问 richbffbook.com。

Preorder this book, richbffbook.com.

如果你现在预购，将获得一系列额外资源。

And if you preorder now, you get a bunch of bonus resources.

比如我的信托和遗嘱大纲，让你了解我是如何设计的。

So things like an outline of my trust and will so you can know how I shaped mine.

一个租房与购房计算器，帮助你决定在住房问题上该如何抉择，是租房还是购房。

A rent versus buy calculator on deciding how you should approach housing, whether you should rent or you should buy.

这个工具我可不能邀功。

I can't even take credit for that one.

是我丈夫做的。

My husband built it.

他为我们做的。

He built it for us.

我从来没想过要跟大家共享，但现在你们都能得到了。

I didn't ever expect to share it with everybody, but now you guys are getting it.

还有一个关系权益计算器。

And a relationship equity calculator.

你可以输入你们各自的收入、债务，然后计算出在房租和大额开支上各自该承担的比例。

So you can put in kind of what you make, what you guys owe, and then figure out who should be paying what proportion in terms of like your rent and big expenses.

一份婚礼策划清单，以及一份清单，列出你应该和孩子一起测试的事项，帮助他们在成长过程中变得更有财商。

A wedding planning checklist, a list of things that you should be testing out with your kids to help make sure that they are financially savvy as they get older.

预购这本书会附赠大量免费资源，所以请务必了解一下。

There are so many free resources that come with pre ordering this book well endowed, So please check it out.

前往 richbffbook.com，购买一本，然后在下方提交你的收据，就可以了。

Go to richbffbook.com, grab a copy and then submit your receipt underneath and you'll be all set.

哇。

Wow.

搞定。

Bam.

搞定。

Bam.

我知道我太爱这个了。

I know I love this so much.

我很多年前在马歇尔百货的活动上认识了维维安，我特别喜欢，因为你知道，去马歇尔百货活动时，你显然穿着为马歇尔百货搭配的服装。

So I met Vivian at a Marshall's event a hundred years ago and I I love it because, you know, when you go to Marshall's event, you're obviously wearing your outfit for Marshall's.

我们对视一眼，心想：我差点就买了那件。

And we looked at each other and we're like, I almost got that.

我当时就觉得我们肯定能聊得来，你谈论金钱的方式太鼓舞人心了，而且一点都不吓人，但金钱本身总是让人害怕。

Like, I knew we And were gonna be I think it's it's it's a really the way you speak about money and it's so inspiring and it's also like not scary and money is so scary.

就在你刚才说话的时候，我突然想到：得立个遗嘱。我觉得我在投资上做得不错，可接着我就意识到：我根本没有遗产规划。

Even as you were just talking now, I was like, I was like, have a will and like I feel like I've done a good job with my investments and then I'm like, I don't have an estate plan.

我的意思是，我有遗嘱，但其他都没弄，然后我又想：等等，我其实并不想做遗产规划。

Like, I mean, I have a will, but I don't and then also I was like, wait, I don't want an estate plan.

我想在我活着的时候把所有钱都花掉。

I wanna spend all of my money while I'm alive.

我是说，我一分钱都不留给这些家伙。

Like, I'm leaving these mother nothing.

我就要走了。

Like, I'm bye.

然后我就想，

And then I was

你能描述一下这两者之间的区别吗？

like Can you can you describe the two, the difference between the two?

因为凯尔西，你提出了一个非常重要的观点，你可能想要也可能不想要遗产规划。

Because Kelsey, you bring up a really good point that you may or may not want that estate planning.

比如，我的遗嘱里写着，我把我的香奈儿留给这个人。

Like, have my will that's like, I'm leaving my Chanel to this person.

还有一些孩子会得到一些钱。

And like, there's some kids that are gonna get some money.

但除此之外，我就要在海滩上穷困潦倒地死去。

But like other than that, like I'm gonna die on a beach broke.

嗯，你没有

Well, you don't have

孩子，所以你最好把钱都花光，姑娘。

kids so you better spend all that money girl.

是的。

Yeah.

那什么是

What's Or

我来拿走它。

I'm coming for it.

遗产计划是什么？

What's the estate plan?

这本书里也提到了。

And that's in the book too.

我注意到这里有一大段内容是关于这个的。

Like I noticed there's like a big chunk about this.

是的。

Yeah.

这是书中非常重要的一部分。

It's a huge, huge part of the book.

所以，遗产规划包含多个不同的文件。

So an estate plan consists of multiple different documents.

所以，正如你所说，你的遗嘱、生前遗嘱、信托，这些可能决定了你希望如何分配某些资产。

So to your point, your will, your living will, your trust, that perhaps dictates how you want certain things to be divvied up.

凯尔蒂，我非常爱你，但我希望你不要让最后一笔支票跳票，因为这种生活方式极其危险。

Kelty, I love you so much, but my hope for you is that you do not like have your last check bounced because that is an incredibly dangerous way to live.

你不知道自己会去哪里。

You don't know where you're going to go.

你还应该有其他文件，比如医疗护理指示和授权书。

You want to have other things like a health care directive and power of attorney as well.

让我来逐一介绍这四份文件。

So let me walk through kind of these four documents.

关于你的遗嘱，我很高兴你已经 setup 好了。

So with your will, I think it's really, really great that you have that already set up.

遗嘱只是一份法律文件，用于表达你希望如何分配你的财产。

A will is just a legal document that expresses like how you want your property to be distributed.

但信托则可以更具策略性，而且信托还能让你把资金隐藏起来，避免债权人追索。

But with a trust, can actually be a little bit more strategic and also a trust allows you to kind of hide that money from creditors.

它还能让你有资格获得某些福利。

It allows you to potentially qualify for certain benefits.

它本质上让你的资金看起来不是由你个人拥有，而是由这个实体拥有。

It essentially makes it look like your money is not owned by you, but rather by this entity.

这两份文件结合起来，能让你掌控一切。

What these two documents in conjunction allow you to do is dictate everything.

问题是，如果你去世了，比如说我们谈的是贝卡，她有个孩子。

The problem is if you were to pass and say, you know, we're talking about Becca, she has a kid.

但愿别发生，但愿别发生，当孩子18岁时，她和她的伴侣却离世了。

Heaven forbid, heaven forbid, she and her partner pass when kiddo is 18.

你能想象吗？这个孩子在18岁时可能一下子拿到数百万甚至上千万的钱。

Can you imagine this kid getting probably multi 6 figure, multi 7 figure, some of money at 18.

然后就没了。

And that's it.

这就是人生。

That's life.

这个孩子肯定会把钱花在电子游戏上，可能还会买酒，做出一堆愚蠢的决定。

That kid is going to spend it on video games and probably booze and make a bunch of dumb decisions.

到了21岁，就什么都没剩下。

And at 21 will have nothing to show for it.

而贝卡在天上看着，一定会想：天啊，这真是巨大的失望。

And Becca up in heaven is gonna be looking down being like, wow, that was a huge disappointment.

我会说：那可卡因感觉怎么样？

That's I'll be like, how's that cocaine?

但是

But

你知道吗？

you know what?

失败者。

Loser.

当你有完整的遗产规划时，贝卡可以说：如果我和我丈夫、我和我的伴侣发生意外，我们可以明确表示：18岁时，你将获得这笔钱用于学业。

When you have a full estate plan, what Becca could say is if anything were to happen to me and my husband, me and my partner, we are able to actually say, hey, at 18 you get this for school.

这笔钱只能专款专用，用于教育。

It can only be earmarked to school.

资金将直接汇入经核实的教育机构。

It will go directly to a verified institution.

很好。

Great.

22岁毕业时，你可以获得另一笔资金，帮助你购置第一套公寓或第一辆车。

At 22, when they graduate, you can get this other sum of money to help you get your first apartment, first car.

很好。

Great.

到30岁的时候，你必须达到某些特定的标准。

By 30, you need to have hit a certain number of criteria.

你必须有稳定的工作。

You need to be gainfully employed.

像沙克·奥尼尔这样的篮球运动员，在他的遗产文件中提到，他的孩子们都必须拥有两个学位。

One of Shaq's like Shaq, the basketball player in his inheritance documents, basically he says his kids all have to have two degrees.

也就是大学学位，再加一个更高层次的学位，比如研究生学位。

So college and then a higher education degree, graduate degree.

是的。

Yes.

这太棒了。

That's amazing.

他们能拿到沙克的钱吗？

They get the Shaq money?

在他们拿到沙克的钱之前。

Before they get shack money.

哇。

Wow.

在他们

Before they

拿到沙克的钱之前。

get shack money.

你还可以说，我的孩子必须和任何结婚的伴侣签订婚前协议，因为你不想让他们被坑。

You can also say my child needs to have a prenup with any romantic partner that they marry because you don't want them to get screwed over.

完全理解。

Fully understand understand that.

关系。

Relationship.

如果你的父母说，只有你签了婚前协议，才能拿到继承财产，那就能减轻很多压力。

If my, if your parents were like, you can only get your inheritance if you have a prenup, then that like takes the stress off.

减轻了压力。

Takes the stress out.

所以这个孩子现在有了成功的保障。

So now this kid is set up for success.

显然已经经历过非常创伤的事情。

Obviously had a very traumatic thing happen already.

有很多情感上的动荡。

There's a lot of emotional turmoil.

可能有人会说，如果我们不在了，希望奶奶和爷爷来照顾孩子。

There's probably things saying like, Hey, if we go, we want Nana and Papa to take care of kiddo.

或者可能是我最好的朋友和她的丈夫。

Or maybe it's my best friend and her husband.

不管是什么情况。

Like whatever it might be.

把一切都提前解决清楚。

You get it all out of the way.

现在你可以自己做决定了。

Now you get to decide you.

所以没有人再需要猜测：这是否是大家都会希望的那样。

And so no one has to be like, oh, well, is what everybody would have wanted.

实际上，除了你之外，没人真正知道。

Nobody like nobody actually knows except for you.

你可以写下你想要的内容。

You get to write what you want.

另外还有两个非常重要的文件，分别是医疗护理指示和授权书。

And then there's two other really powerful documents as well, which are the healthcare directive and power of attorney.

所以，如果我再次遭遇不幸，比如一场极其严重的事故，我已经提前做出了决定：如果截肢能救我的命，我是否愿意接受？

So if I get incapacitated in again, God forbid, some sort of really terrible accident, I have already made selections of, do I want a limb of mine to be amputated if it will save my life?

是的。

Yes.

我是否希望在 indefinitely 的情况下接受鼻饲管和呼吸机的维持治疗？

Do I want to be put on a feeding tube and a breathing machine indefinitely?

不。

No.

我是否希望被抢救？

Do I want to be resuscitated?

如果发生这种情况，我是否希望有牧师在场？

Do I want, you know, a chaplain if this were to happen?

我已经为所有这些事情做出了决定。

I have already made choices for all of these.

关于授权书，我已经将有条件授权授予我的丈夫。

Then with the power of attorney, I have given conditional power of attorney to my husband.

所以如果我出了什么事，他有权处理我的资金，代我办事，照顾我最在乎的人。

So if something were to happen to me, he has the ability to move money around, to do things on my behalf, to take care of the people I care about most.

而且我当然非常信任他能做好这些事。

And obviously I really trust him to be able to do that.

你不会把授权书随便交给任何人。

You don't give power of attorney to anybody, to just anybody.

但这意味着，在我以及我身边人生命中最糟糕、最黑暗、最可怕的时刻，至少他们不必再为这些事情担忧。

But this means that in some of the worst, darkest, most horrible moments of my life and probably the people around me's lives, at least they don't have to worry about these things.

哇。

Wow.

你对人寿保险怎么看？

What is your take on life insurance?

我有个朋友，是一位年轻的寡妇，她为其他年轻的寡妇和鳏夫组织了一个哀伤支持小组。

I have a friend of mine who was a young widow and she holds this kind of like grief group for other young widow, widowers.

幸运的是，很久以前有人告诉她，要为她和她的丈夫购买人寿保险。

And she luckily for her had someone back way back when tell her to get life insurance for her and her husband.

但她表示，百分之八十的年轻女性，她们的丈夫生前收入不错，但去世后不再有收入，又没有购买人寿保险，如今陷入贫困。

But she said eighty percent of these young women, their husbands passed who were making a really good living, who are no longer alive, who are not making that living anymore, and who did not have life insurance, and now they are destitute.

是的。

Yeah.

所以她希望人们能大声疾呼，强调人寿保险有多么重要。

So she's like, want people to shout it from the rooftops how important life insurance is.

你有同样的看法吗？

Do you share that same sort of opinion?

Vivi，我先插一句，这本书里有一个很关键的问题，我知道你待会儿会回答，但如果你感兴趣的话，书里还有更多内容，而且我也很想了解

And Vivi, not to jump in, there is like, I saw this was one of the big questions from the book, and I know that you're gonna give us an answer, but like, if you guys are interested, there's so much more in the book, and also, I feel like I wanna know

这个，因为我是个功能正常的人，总觉得

this because I'm a high functioning person who like feels like

自己一切都安排得很好。

they have their shit together.

我觉得人寿保险是最让人困惑的东西。

And I think life insurance is the most confusing thing.

这难道是个骗局吗？

Like, is it a racket?

我总觉得这像是个骗局。

Like, I'm very this is a scam.

看起来就是个骗局。

Seems like a scam.

不是的。

It's not.

所以

So

现在可以继续了。

can now continue.

好的。

Okay.

你们看，我们房间里已经出现了两种不同的意见了？

You see how we already have two dissenting opinions in the room already?

这是因为人寿保险实在太复杂了。

It's because life insurance is super confusing.

为了回答贝卡的问题，每个人都需要人寿保险吗？

And to answer Becca's question, does everybody need life insurance?

需要。

Yes.

如果答案是肯定的。

If the answer is yes.

如果我强烈主张有依赖其收入的人应该购买人寿保险，比如有孩子、伴侣之类的。

If I am a huge proponent of people getting life insurance, if they have people who depend on them for income.

所以这包括孩子、可能还有伴侣，等等。

So that's kids, maybe a partner, what have you.

我认为每个人都应该拥有它。

I think everybody needs to have it.

如果你满足了这些条件。

If you have those stipulations met.

然而，杰克和凯尔蒂觉得人寿保险可能是骗局的原因在于，市面上推销给你的某些人寿保险确实如此。

However, the reason why Jack and Kelty feel like life insurance might be a scam is because some of the life insurance that is being peddled to you is.

所以，简单来说，人寿保险主要有两种类型。

So to break it down really simply, there are two main types of life insurance.

虽然有成千上万种类型，但主要的两种就是这些。

There's like a zillion different types, but the two main types are this.

有定期寿险。

There's term life insurance.

简单来说，如果你去世了，你的家人、朋友或最亲近的人会得到一笔钱，帮助他们渡过难关。

Simply put, you croak your family and friends or your closest people get a little something, something to help them buy.

简单明了，很容易理解。

Simple, very easy to understand.

你支付保费，一旦发生意外，他们就能拿到钱。

You pay in premiums, something happens to you, they get money.

然后是终身寿险。

Then there's whole life insurance.

这包括死亡赔偿金，还包含一个现金价值部分，意味着你多年来支付的保费，在某个时候会开始累积。

This includes the death benefit, but it also has a cash component, meaning those premiums that you pay in over the years, at a certain point, they will start to accrue.

并不是你支付的全部保费都会变成现金价值。

It's not a 100% of the premiums you pay in.

实际上只是一小部分，但随着时间推移，这个现金价值会不断增长。

It's actually a smaller fraction, but over time that cash value grows and grows and grows.

而这就是你在网上可能看到的。

And that is what you're probably seeing online.

人们在说，哦，你得买人寿保险。

People talking about, oh, you got to get life insurance.

这是最好的投资。

It's the best investment.

然后你可以向自己借款。

Then you can like borrow against yourself.

这叫无限银行。

It's infinite banking.

好的。

Okay.

关键是。

Here's the thing.

他们不会告诉你的就是这个。

This is what they don't tell you.

那些专家如此热衷于向你推销终身寿险的原因在于，这是金融服务领域佣金最高的产品。

The reason why those gurus are so excited to sell you on whole life insurance is because it is the highest commission product in the financial services sphere.

当你购买保单时，他们能赚取巨额利润。

They make so much money when you buy a policy.

而且

And

关于终身寿险，已有大量研究表明，对于大多数人来说，缴纳保费根本不合算，因为建立这种计划所需的保费高得离谱。

when it comes to whole life insurance, there have been so many studies that show the premiums are It doesn't make sense for most people because the premiums to even set up this plan are so astronomically expensive.

这对大多数人来说毫无意义。

It doesn't make sense for most people.

事实上，你还不如直接购买多份定期寿险并分层配置。

In fact, you would be so much better off just buying multiple term policies and laddering them.

意思是，你先买一份十年期的，再买一份二十年期的，接着再买一份十年期的、二十年期的，依此类推。

Meaning you have one for ten years and then the next twenty years and then the next ten years and the next twenty, whatever.

你基本上通过分层配置，确保自己一生中或在需要保障期间始终有覆盖。

Like you basically ladder them so you have protection throughout your life or until you need it.

但你原本要花在终身寿险保费上的所有额外资金，其实都应该投入到股市，进行传统且更常规的投资。

But all of the additional money that you would have spent on premiums for whole life insurance, you should actually just be putting that money into the stock market, into traditional, more conventional investing.

人寿保险不是投资。

Life insurance is not an investment.

人寿保险就是人寿保险。

Life insurance is life insurance.

我认为很多人确实应该拥有它，但你必须非常谨慎地选择适合的类型。

And I think many, many people should have it, but you got to be really discerning about what kind you get.

那你最喜欢哪一种？

So what's your favorite?

如果有人在寻找优质的定期寿险，你最推荐他们去哪里？

Where's your favorite place to direct people if they're looking for good term life insurance?

你有什么建议吗？

Do you have suggestions?

因为定期寿险实际上是一种同质化产品。

Because term life insurance is actually a commoditized product.

我会说，多比较几家，宝贝。

I would say shop around baby.

你要去每一个愿意提供保险的公司，对比不同的保单。

Like you go to every single place that is willing to offer it to you and you compare policies.

你得明白，如果这些保单都一样，那就选最便宜的，而且要选一家你觉得不会倒闭的公司。

You have to realize that if all of these policies are the same, you should pick the cheapest option at the firm that you don't think is going to go belly up.

但有些保单可能比其他的更好。

But some of these policies might be better than others.

也许保费更高，但赔付也更多。

Maybe there's higher premiums, but there's higher payouts.

那你就要权衡这些不同的因素。

Then you have to kind of compare those different factors.

但不管从谁那里买，人寿保险就是人寿保险，本质上是标准化产品。

But life insurance is life insurance is life insurance from no matter who you get it from, it's commoditized.

所以你要让他们为你竞争业务。

So you make them fight for your business.

酷。

Cool.

当我买人寿保险时，会不会像车险一样，买了之后出了事，他们就说：哦，你星期二没压到那颗钉子。

When I go to get my life insurance, is this going to be like car insurance where I get it and then when something happens, they're like, oh, well, you didn't run over that nail on Tuesday.

嗯，也不是完全不会。

You're Well, not no.

只有当你丈夫杀了你，他才拿不到赔偿。

Only if your husband kills you, then he can't collect it.

对吧？

Right?

有时候他们确实会这么做。

Sometimes they even do.

听好了，所有保险公司都会尽最大努力利用细则条款来拒赔。

Listen, I all insurance is going to try their best to use the fine print to not pay you.

我说得够直白了吧。

I'm going to say that very bluntly.

不过，我认为在做这些购买决策时，你也应该考虑这一点。

However, I think that is also something that you should look into when you are making these purchases.

比如，这些保单中哪些对实际赔付的条款解释更宽松一些。

Like which of these policies has a, you know, like a more loose interpretation of what will actually be paid out.

我觉得有些寿险公司的评级要高得多，也更容易使用。

I think there are, you know, life insurance providers that are that have much higher ratings than others that are easier to use.

这一点也应该纳入你的考量之中。

And that should also factor into that calculus.

但寿险很特别，因为与车险不同，大部分情况下他们可以进行歧视性定价。

But life insurance is interesting because unlike car insurance for the most part, they can discriminate.

他们可以说，因为我们不给你承保，因为你是个长期吸烟者，而且有既往病史。

They can say we're not insuring you because you've been a lifelong smoker and have pre existing conditions.

或者他们可以说，哦，你正在服用某些药物，比如很多人服用的SSRI类药物、ADHD药物，这些都会影响保费和保障范围。

Or they can say, oh, well, you are prescribed certain medications, Medications that many people are taking SSRIs, ADHD medications, all of that stuff can impact the cost and can impact your coverage.

所以我并不主张你对医生撒谎。

So I am not one to say lie to your doctor.

这完全不是我的意思。

That is not what I'm saying at all.

但我不会在购买人寿保险前的六个月或十二个月内，主动坦白我所有的过错。

But I wouldn't necessarily confess to every sin that I've ever done the six months, twelve months prior to getting life insurance.

聪明。

Smart.

维维安总是会告诉我们真相。

Vivian will always tell us the truth.

我喜欢这样。

I love it.

这可是真话。

That's a real tea.

如果你打算开始服用任何药物，比如你还没开始，但计划要开始，那就先完成所有投保手续，因为我已经有我的保单了。

And if you're planning on going on anything, like if you've not gone on something yet, and you're planning on going on some sort of medication, you do all of your stuff before going on it because like I have my policy.

所以现在如果我开始吸烟，他们就不能事后反悔说不算了。

So now if I take up smoking, they can't like retroactively say never mind.

所以现在我可以去吸食快克可卡因了，不行。

So now I can just smoke crack and I still No.

我丈夫会……我只是在开玩笑。

My husband will I'm just kidding.

在你患上既往病症之前。

Before you develop your preexisting conditions.

是的。

Yeah.

《女士帮》由进步保险公司赞助播出。

Lady Gang is brought to you by Progressive Insurance.

今天你选择点播了这个播客。

You chose to hit play on this podcast today.

非常明智的选择。

Very smart choice.

进步保险公司乐于帮助人们做出明智的选择。

And Progressive loves to help people make smart choices.

这就是为什么他们提供一个名为 Auto Quote Explorer 的工具。

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

它允许你将 Progressive 的汽车保险报价与其他公司的费率进行比较。

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享受节省。

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

在本集结束后，请前往 progressive.com 试用一下。

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

Progressive 伤亡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·李·索顿。

And I'm Blake Lee Thornton.

加入我们，收听《昨日凝视》——这档播客将剖析历史上最具影响力的流行文化时刻，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。

The things that got us riled up during dial up.

那些本该是分手的吻别。

Those makeouts that should have been breakouts.

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.

我说的就是贝尼弗。

I'm talking Bennifer.

泰拉对娜奥米。

Tyra versus Naomi.

汤姆·克鲁斯跳上沙发的那一刻。

Tom Cruise jumping on that couch.

还有更多更多。

And so much more.

所以请给我们评分，并在 Apple 播客、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?

信用卡号也可以。

Credit card number as well.

我们很灵活。

We're we're malleable.

是的。

Yeah.

你懂的？

You know?

我们今天很开心。

We're gay today.

女士帮派。

The Lady Gang.

薇薇安，这就是我们现在的情况。

Vivian, a lot this is us right now.

我们刚刚在12月份有过这样的对话，我记得当时我拥有自己的房子。

We just had this conversation, I think, in December where I owned a home.

这是我第三套房子，我已经准备好摆脱房屋所有权了。

This is my third home, and I'm ready to get the out of home ownership.

我就想，我必须得脱身。

I'm like, I gotta get out.

我不想这样，我刚花了三万美元换屋顶。

I don't wanna be I just paid $30,000 for a roof.

真的，我已经准备好离开了。

Like, I am ready to go.

我不想再做这件事了。

I don't wanna do this anymore.

我想重新当租客。

I wanna be a renter again.

我希望我的洗衣机问题变成别人的问题。

I want someone else my washing machine to be someone else's problem.

我们在一个Facebook群组里正在热烈讨论，买房和租房哪个更好？

And we there's a big discussion in our Facebook group about like, is it better to own or rent?

我特别喜欢你书里提到的，你从情感角度谈到了人到一定年纪，会觉得如果没买房，就是个失败者。

And then what I loved about your book is that, you know, you talk about it in this emotional way of like, you get to an age and you feel like if you don't own a home, you are a loser.

你懂我的意思吗？

You know what I mean?

我们被灌输了这样的观念：住在公寓里，还在租房，就意味着你失败、你是个loser。

Like, are conditioned to be like, oh, I live in an apartment and like, oh, I still rent and then that means you're unsuccessful and you're a loser.

所以我特别想听听你的看法。

So I would love your take.

我特别喜欢书中关于租房和买房的这部分。

I loved this part of the book of like the rent versus buy.

是的。

Yeah.

真有趣，你提到这个，因为我住在纽约，假期结束后回家发现暖气系统坏了，修好可能要花上一万美金，真是太棒了。

So it's so funny that you mentioned that just because I own my home in New York and we got back after the holidays and the HVAC was broken and it's probably going to be $10 to fix it like super awesome.

我真的真的很喜欢这种毫无预兆地花上一万美金买个自己完全不知道的东西。

I really, really love spending $10 out of nowhere on something I didn't know.

三只铂金包躺在该死的屋顶瓦片上？这是什么情况？

Three Birkins on a fucking roof tile like what?

这真不容易。

It's tough.

这真不容易。

It's tough.

这儿真的太难了。

It's it's really tough out here.

所以，正如你所说，我们确实把租房妖魔化了，我认为这是因为拥有房产仍然与美国梦紧密相连——你拥有自己的房子。

So I think in exactly to your point, we have really demonized renting, and I think it's because homeownership is still so closely tied to the American dream of like you own a home.

你拥有一小块属于自己的土地，首先，你还要交房产税。

You have a little plot of land that is just yours and you own like first off, you're paying property taxes.

所以，某种程度上你拥有它，但你仍然得持续缴纳这些税款。

So like sort of you own it, but like you still have to keep those taxes up.

但其次，我认为租房和买房各有优缺点。

But second off, I think there are a lot of pros and a lot of cons to both.

我在我的书里提到过，租房的优点之一是，如果你愿意经常搬家，很可能能获得一些折扣。

So I talk about this in my book, but pros of renting, you can probably get some sort of discount if you are willing to move pretty regularly.

你可以获得十四个月租约中一个月的免租期。

You can get one month off your fourteen month lease.

你可能在十二个月的租约中获得一个月的减免，等等。

You're, you know, one month off your twelve month lease, whatever.

你不需要操心任何事情。

You don't have to worry about anything.