别让金钱闹剧让你破产

你想问什么？

What are you asking?

嗯，我不太确定。你知道吗？我不太确定。我想我目前有180万的债务，我的资产组合总值是440万。

Well, I'm not sure. You know? I'm not sure. I guess I I have 1,800,000.0 in debt. I have a portfolio of 4.4.

而且你那投资组合的回报率糟透了。

And your rate of return on that portfolio sucks.

是啊，确实不怎么样。

Yeah. It's not great.

不，是糟糕透顶。

No. It's horrible.

你想摆脱债务吗，瑞恩？你想摆脱债务吗？

Do you wanna get out of debt, Ryan? Do you wanna get out of debt?

我想，我想。

I do. I do.

好吧。不。你还是那个曾经中过一次老虎机的人，所以你就一直往那愚蠢的东西里投硬币。你中过一次，那10.31美元让你赚翻了，从那以后你就一直往机器里投硬币想再来一次，但之后再也没中过。

Okay. No. You're still you're you're still the guy that hit the slot machine once, and so you keep putting quarters in a stupid thing. You had that one hit and did that $10.31 made bank, and ever since then, you've been putting quarters back in the machine trying to do it again, and none of the rest of them did that.

呃，不是。我...是的。是的。差不多吧，是的。我同意你的说法，但我...我不止中过一次。

Well, no. I yes. Yes. More or less, yes. I will agree with you, but I have I have hit more than once.

你多大了？

How old are you?

我...我38岁。

I I'm 38 years old.

当你58岁时，你想达到什么位置？你想实现10倍增长，还是你有什么其他目标？

Where do you wanna be when you're 58? I You wanna 10 x this, or you want what do you want?

是的。我想要10倍，老兄，我想要10倍这个。我想要...好吧。我想要还清我那价值百万美元但还有36万贷款的房子。我...

Yeah. I want a 10 I want a 10x this, man. I wanna Okay. I wanna I wanna pay off my home that is worth a million dollars, but I have a $360 note. I got

有两个孩子。我只是告诉你，我不想要你投资组合的10倍增长。先生，你的回报率太糟糕了。当你告诉我在这个资产基础上获得6万到1万9的净营业收入时，你的回报率，你的投资回报率，直接按数学算，简直糟糕透顶。

two kids. I'm just telling you, I don't want a 10x your portfolio. Your rate of return is awful, sir. When you tell me you're getting an NOI of 60,000 to $19,000 on an asset base this high, your rate of return, your your ROI, straight up mathematics, it's it's horrible.

3.8。是3.8。

3.8. It's 3.8.

我知道。但是当你用380万赚取6万美元回报时，我的意思是，这简直糟糕得可怕。你应该用那笔钱赚取50万美元。

I know. But you're when you make $60,000 as a return on 3.8, I mean, that's horrendously bad. You should be making a half million dollars on that.

正确。

Correct.

是的。完全正确，我是对的。

Yeah. Absolutely, I'm correct.

是的。是的。不对。

Yeah. Yeah. No.

所以你必须弄清楚为什么这些房产没有带来投资回报率，并摆脱那些不能给你回报的房产，建立一个模型投资组合。在房地产投资中，住宅房产需要达到8%到10%的净运营收入（NOI）现金回报率，即每年8%到10%的现金回报。明白吗？除此之外，房产还需要增值，同时你还需要利用美国国税局允许的折旧计划进行税务折旧。所有这些加在一起能让你获得超过15%到20%的回报。在商业房产方面，你应该获得10%到12%的现金回报。

I So you've got to figure out why these properties are not giving ROI and shed yourself of the properties that are not giving you a return and build a model portfolio where you're getting in real estate, you need a cash on cash in residential of eight to 10 net NOI, net operating income, eight to 10% cash on cash annually. Okay? And in addition to that, the thing needs to be going up in value, and in addition to that, you need to be taking the tax depreciations that the depreciation schedules with the IRS allows. All of those things together give you north of 15 to 20%. On a commercial, you ought to be making 10 to 12 cash on cash.

我们的房产做到了这一点，而且这并不需要什么高深的技术。但你一直在买垃圾房产，老兄，而且你根本没有考虑债务方面的问题，所以其中一些房产的债务正在吞噬你的利润，因为租金与房产价值以及你所承担的债务偿还能力不匹配，这就是破坏你投资回报率的原因。所以你需要深入分析，找出哪些房产值得保留，并创建一个理想的投资组合，使住宅房产达到8%到10%的回报，商业房产达到10%到12%的回报。那些能带来现金回报且正在增值的房产，才是你应该扩大持有的，而其他那些你应该处理掉。

Ours does that, and it's not rocket surgery to do it. But you've just been buying crap, man, and you didn't think anything about the debt aspect, and so the debt on some of these is eating your lunch because the rents are not commensurate with the values and with the debt service you're carrying, and that's what's destroying your ROI. So you need to get down inside of that and figure out which of these things you want to and create an ideal portfolio that's going to be 8 to 10 on residential and 10 to 12 on commercial. Cash on cash and properties that are going up in value, those are the ones you want to expand owning, and the others you want to get rid of.

这就是攻略

There's the playbook

就在这里。你需要根据情况进行调整，这就是问题所在。但你却陷入了这种思维误区，认为所有房地产都是好的。并非所有房地产都是好的。有些很糟糕，而你手上就有一些糟糕的房产。

right there. And you adjust it, that's what's going on. But you've fallen backward into this thinking that all real estate's good. All real estate's not good. Some of it sucks, and you've got some that sucks.

而且其中一些杠杆率太高了。有些债务负担过重，正在拖累你。所以，是的，如果我是你，这就是我要寻找的解决方案，并且在未来五年内，在这个过程中，我会卖掉足够多的资产，并用我的足够收入来达到100%无债状态。这就是我的目标方向。但我不认为你会这么做，因为我觉得你喜欢借钱，所以我不确定你最终会走到哪一步。

And some of it's leveraged too high. Some of it you've got too much debt on, and it's pulling you down. And so, yeah, if I'm you, that's what I'm looking for, and in the process of doing that over the next five years, I'm going to sell off enough of it and use enough of my income to become a 100% debt free. That's where I would be going. But I don't think you're going do that because I think you like borrowing money, So I'm not sure where you're gonna end up exactly.

我希望你能成功。为了你自己好，希望你能做到。

I hope you make it. Hope you do for your sake.

在这种情况下，你会——我的意思是，因为他有足够的资产。如果我们按他说的面值计算，440万美元，他说所有这些房产都是保守估值，有180万美元债务，你会让他完全退出租赁游戏，然后投资那笔钱吗？他还年轻，才37岁左右。

In this case, would you I mean, because he's got enough. If we take him face value, 4,400,000.0, he said conservative in all that property, 1,800,000.0 debt, Would you get out of the rental game altogether and have him invest that? He's a young guy. He's, like, 37.

是的。我的意思是，那样他会更好。我是这么认为的。如果你彻底清空债务，把所有钱都投入共同基金，你会比现在赚得更多。

Yeah. I mean, he'd be better off. That's what I think. If you just if you did a 100% slate clean and dropped it all in mutual funds, you'd make more money than you're making now.

我也是这么想的。

That's where my head was going.

没错。因为那样你就有200万美元在共同基金里，每年能赚20万美元。对吧？而且你什么都不用做就能实现。

Yeah. Because you got $2,000,000 in mutual funds then, and you're making $200,000 a year. Right. You know? And that and you're not doing anything to do that.

你不需要收租金。不需要更换热水器。屋顶也不会漏水。你知道，所有这些麻烦事都没了。

You don't have to collect rent. You don't have to replace water heaters. The roof doesn't leak. You know, all that.

对他这个年纪有孩子的人来说，这确实是一次健康的重新开始。

It's a really healthy reset for a guy his age with kids.

我不确定我会那么极端。相反，我可能会精选一下，花大约三年时间清理掉大部分。在大约三年内全部清理完毕，但通过处理掉那些没有现金流但有净值的房产来实现清理。没错。然后退出债务业务，因为这也是让你陷入困境的部分原因。

Not sure I would go that far. Instead, I'd probably cherry pick it and take about three years and clean up most of it. Clean it all up in about a three year period of time, but clean it up by getting rid of the properties that aren't cash flowing but have equities. That's right. And then get out of the debt business because that's what's part of what's bringing you down here.

另一部分是你仍在试图复制那一次的成功交易。

The other part is is you're you're still trying to replicate that one deal.

所以再给大家说说那些数字，因为太多人看TikTok和Reels了。那么你对商业地产和住宅地产的期望投资回报率是多少？你拥有的那些房产，否则你说不值得持有。

So hit those numbers again for people because too many people watching TikToks and Reels. So what is the ROI you're looking for on commercial versus residential? The stuff that you own or else you say it's not worth having.

我付现金。对。所以如果我投入50万美元在一栋房子里——我们现在不再买住宅了，但当初买的时候我有一大堆。现在还没全处理掉，还没全部出手。

I pay cash. Right. And so I wanna make if I put a half million dollars in a house, we don't buy houses anymore, but when we're buying I got a bunch of them. Not still. I haven't got rid of all of them.

对于我们拥有的住宅独栋房屋，我们会看买入价、市场价值，并期望获得8%到10%的现金回报率。在所有费用支付后，租金减去费用就是净运营收入。我们希望看到8%到10%的现金回报率。如果你达到了，并且资产有增值，再加上折旧，这三者合起来就是内部收益率（IRR），住宅地产的IRR通常会超过15%到17%，这比共同基金的回报好得多。然后我们的商业地产，现金回报率在10%到14%之间，因此大多数商业地产的IRR，也就是内部收益率，能达到20%以上。

On the houses that we own, the residential single families that we own, we look at what we paid for it, what it's worth in the market, and we want an eight to 10% cash on cash. After all expenses are paid, rent minus expenses is net operating income. We want to see a cash on cash of eight to 10%. If you get that and you have appreciation in value, and you take the depreciation, those three things together are called the internal rate of return, the IRR, and those will be north of 15%, 17% on your residentials, which is a lot better return than a But mutual it's a lot more Right. Then on our commercial stuff, we're making anywhere from 10 to 14% cash on cash, and so we're seeing most of our IRR's, our internal rates, return up in the twenties on those.

哇。所以我们在那些商业地产上赚得很多，因为商业地产就是这样的。但它们的规模更大，同样，投入的现金也更多。所以这些都是你必须经历的过程才能达到目标。你只需要决定你要做什么。

Wow. So we're making serious money on those commercials, because commercial property does that. But it's a lot bigger property, and again, it's a lot more cash tied up in them. So those are the processes you've got to go through to get there. You've to just decide what you're doing.

因为如果我能从共同基金赚12%，却只能在这里赚8%到10%，我为什么要费这么大劲？没错。我们多年来一直告诉你们：债务是愚蠢的，现金才是王道，借款人是贷款人的奴隶。所以当我们找到真正明白这一点的银行时，我们要大声宣扬。这就是为什么我们与费尔温兹信用合作社合作。

Because if I can't make eight to 10 when I can make 12 on a mutual fund, Why am I going through all this hassle? Exactly. We've told you for years, debt is dumb, cash is king, and the borrower is slave to the lender. So when we find a bank that actually gets that, we shout it from the rooftops. That's why we've partnered with Fairwinds Credit Union.

这些人不像你现在的银行那样推销信用卡或汽车贷款。费尔温兹站在你这边，而且现在他们更上一层楼。他们与我们合作创建了一个高收益储蓄账户，提供优惠利率且没有套路。没有诱饵调包利率，没有信用评分游戏。

These guys aren't pushing credit cards or auto loans like your current bank is. Fairwinds is on your side, and now they've taken it to the next level. They worked with us to create a high yield savings account that gives you a great rate without the junk. No bait and switch rates. No credit score games.

只是一个简单而有效的方式，帮助你快速建立应急基金。这是费尔温兹所谓的智能套餐的一部分，专为拉姆齐粉丝设计。你可以获得高收益储蓄、免手续费支票账户，零花招。只是符合常识的银行业务，与婴儿步理财法相辅相成，而不是背道而驰。

Just a simple, powerful way to help you build your emergency fund fast. It's part of what Fairwinds calls the smart bundle. Made for Ramsey fans. You get high yield savings, a no fee checking account, and zero gimmicks. Just common sense banking that works with the baby steps, not against them.

而且很快，他们将推出一款全新的拉姆齐借记卡。卡片正面写着'债务是正常的。做个异类'。这不仅仅是一张卡。

And coming soon, they're launching a brand new Ramsey debit card. It says debt is normal. Be weird. Right on the front of it. That's not just a card.

这是一个每日提醒，提醒你以不同的方式处理金钱。所以请访问 fairwinds.org/ramsey 查看详情。费尔温兹由NCUA联邦保险。里德在新泽西加入我们。嗨，里德，你好吗？

That's a daily reminder that you do money differently. So check them out at fairwinds.org/ramsey. Fairwinds is federally insured by the NCUA. Reed is with us in New Jersey. Hi Reed, how are you?

我很好，谢谢接听我的电话。

I'm good, thank you for taking my call.

当然，有什么事？

Sure, what's up?

所以我四月份要结婚了，我有大约15,000美元的学生贷款债务，并且已经存了大约17,000美元，这还不包括我的401k和投资。我在想是否应该

So I'm getting married in April, and I have about $15,000 worth of student loan debt and I've saved up about 17,000 and that's not including my 401 k and my investments. And I'm wondering if I

让你动用非401k的投资？

should let you non four zero one k investments?

我在一个高收益储蓄账户里有17,000美元，不包括401k。

I have $17,000 in a high yield savings account, not including the 401 ks.

好的。并且不包括另外那17,000美元

Okay. And not including the other $17,000

不，只有一笔17,000美元

No, there's just one $17,000

抱歉。所以你有17,000的储蓄，有15,000的学生贷款。然后你说你还有投资和一个401k。

said I'm sorry. So you have savings of 17. You have 15 in a student loan. And then you said I have investments and a 401 k.

是的。

Yes.

好的。401k，我明白了。那些不在401k里的投资是什么？

Okay. The 401 k, I understand. What are the investments that are not in the four zero one ks?

我在IRA账户里大约有5000美元。

I have about $5,000 in an IRA.

好的。那么除了高收益储蓄账户里的17美元，你还有不在退休账户里的投资吗？没有。好的。

Okay. Alright. Do you have any investments that are not in a retirement account other than the 17 in the high yield savings? No. Okay.

好的。我想确认我了解清楚了。因为如果我听说那边有个共同基金里放着2万美元，而且不是退休账户，那情况就不同了。你明白我的意思吗？

Alright. Trying to make sure I had the clear picture. Okay. Because if I heard 20,000 laying in a mutual fund over there that wasn't retirement, that changes the picture. You follow me?

明白。

Right.

这就是我想确认的。好的。是的。是的。是的。

That's what I was looking for. Okay. Yeah. Yeah. Yeah.

好的。你的收入是多少？

Alright. What do you make?

我经常往返于新泽西和亚特兰大之间照顾我妈妈。她患有多发性硬化症，所以存钱有点困难，但我每月至少能存下500美元。

And forth a lot between New Jersey and Atlanta to help take care of my mom. She has MS, so it's a little bit difficult to save, but I'm putting away at least $500 a month.

也就是一年6000美元，而你的年收入是12万。这并不多。

Which is 6,000 a year out of 120,000. That's not much.

是的，确实不多。

No. It's not.

好的。所以直到最近开始关注之前，你并没有很刻意和谨慎地控制这笔可观收入？

Okay. So you've not been very intentional and careful in controlling with this great income that you have until now when you started focusing on it recently?

没错。

Correct.

明白。不是要责怪你，我只是想确保了解你行为变化的整体脉络，因为这会影响我的建议。好消息是你才刚刚开始这一切，很可能每月存下的远不止500美元。如果你把已经还清的17项学生贷款中的15项预算重新严格规划，很可能很快就能把这15项的钱存回来。

Okay. Not trying to blame you. I'm just trying to make sure I get the picture of what your what your what the story arc of your behavior is because that's gonna that affects my answer. So here so the good news is you kind of just started all this stuff, and you probably can do a lot better than $500 a month. So if you took the 15 of the 17 paid off student loan and really bear down on the budget, you probably could put the 15 back pretty quick.

是的。我们正在筹备婚礼。

Yes. We are planning a wedding.

好的。那你会承担一部分费用吗？

Okay. Are you paying for part of that?

是的。大概承担一半。

Yes. For about half of it.

多少？

How much?

我们的总预算是10,000。

10,000 total is our our budget for that.

好的。所以你需要5。

Okay. So you need 5.

不。抱歉。这是我的预算，所以这是婚礼费用的50%。

No. I'm sorry. It's my budget, so that's 50% of the wedding.

哦，好的。10。行吧。那这又改变了讨论的方向。

Oh, okay. 10. Okay. Alright. So that changes the discussion again.

好的。他有债务吗？他的财务状况如何？

Okay. And does he have debt? What's his financial condition?

我未婚夫除了我们住的公寓外没有其他债务。

My fiance has no debt other than the condo that we live in.

好的。行。酷。那好。首先，只要你们从现在到四月份之间完成，或者蜜月回来后尽快处理，我都没意见。

Okay. Alright. Cool. Alright. Well, number one, as long as you do it between now and April or as soon as you get back from the honeymoon, I don't care.

你们最终都能达成目标。最重要的是，我想建立一个现实的行为模式，让你们能够依靠并一直延续到婚姻中。这是一个积极的行为模式。明白吗？因为你们收入不错，但实际积累不多，所以你们才会提出这些好问题，想要做得更好。

You're still gonna get to where you need to go. More than anything, what I'm wanting to do is create a behavior pattern that's realistic that you can lean into and take all the way into your marriage. That's a positive behavior pattern. Okay? Because you make good money, and you don't have much to show for it, so that's why you're asking these wonderful questions because you want to do something better.

你们想要有所积累。我理解得对吗？

You want to you wanna have something to show for it. Am I am I reading you correctly?

是的。只是我经常要飞行还要帮助父母，这让事情变得相当有挑战性。

Yes. Okay. Just it becomes pretty challenging with the amount I have to fly and helping my parents out.

是的。而且那也不是唯一的原因。

Yeah. And that also is not the only reason.

是的。当然。

Yeah. For sure.

好的。好吧。好吧。是的。是的。

Okay. Alright. The alright. Yeah. Yeah.

是的。是的。婚礼是什么时候？四月。

Yeah. Yeah. When is the wedding? April.

嗯。

Mhmm.

好的。只要你能确信可以建造一万个，然后再重建另外一万五千个，我需要在四月前有两万五千个。明白吗？你能对此有多大把握，或者无法确定，因为你才刚刚开始。好吧。

Okay. To the extent that you can be confident that you can build the 10,000 and then rebuild the other 15, I need 25,000 by April. Okay? To the extent you can be confident of that can't be confident of that because you're just starting. Alright.

所以我本来打算给你一个答案，但现在我不太满意。

So I was gonna I was gonna give you an answer that I'm not liking now.

是的。我看到你在计算那些数字了。

Yeah. I saw you crunching those numbers.

所以不行。我要从你的17,000美元中拿出10,000美元，转到另一个储蓄账户，这样婚礼资金就到位了。压力解除了。

So no. I'm gonna take 10,000 of your 17 and move it to a separate savings account, and the wedding is now funded. Pressure's off.

好的。

Okay.

是的。明白吗？然后我要拿出5,000美元，不对，是6,000美元用来还债，这样你账户里就剩下1,000美元。接着我要开始严格执行豆子米饭、米饭豆子的紧缩预算，这样你就没有债务了。对吗？

Yep. Okay? And then I'm going to take $5,000 and throw it at the debt, leaving you 2,000 or 3 $6,000 and throw it at the debt, leaving you $1,000 in the account, and then I'm going to get on a tight beans and rice, rice and beans budget, and my you have no debt at that point. Correct?

对。

Correct.

不对。不对。你还有学生贷款债务，因为我们只还了6,000，但总债务是15,000。

No. No. You still have the student loan debt because we only put six towards the fifteenth.

还有九笔贷款。

Got nine loans.

所以我们还有9,000美元债务。我们需要全力偿还这9,000，然后在婚礼前重建应急基金，但婚礼的压力已经没了。我们有那10,000美元专款专用。我们要还6,000。我需要9,000美元，并且需要在四月前重建我的应急基金。

So we got 9,000. We gotta tear into that nine, and then we gotta rebuild the emergency fund by the wedding, but the wedding pressure's off. We've got the 10,000 sitting there to do that. We're throwing 6,000. I need $9,000, and I need to rebuild my emergency fund by April.

如果你采用'每一美元'预算计划，就能做到120美元预算

You can do that making a 120 if you get on the every dollar budget

是的。

Yeah.

然后你开始严格执行，告诉自己：我不外出就餐，不乱花钱。我们绝不超出这个婚礼预算。就这样，这是完整的预算，一分钱都不能多。

And you really start pounding it and you say, I'm not going out to eat. I'm not spending money. We're not going over this wedding budget. That's it. That's a whole budget, not a dime more.

我们要在这个预算内挑选婚纱，选择摄像师，安排符合2万美元预算的婚宴。老兄，你出1万，他也能出1万。他完全能做到。听起来你们俩很般配。是的。

We're picking out a dress that fits within that, a videographer, and a reception that fits within 20 budget, and buddy, you putting up the 10. He can put up the 10. He's gonna be able to do that. Sounds like sounds like you guys got a good match here. So that yeah.

这就是我正在做的。让我再总结一下：我不想让太多事情同时压在你身上。现在唯一的压力就是尽快还清债务，因为我们已经为婚礼筹到资金了。明白我的意思吗？

That's what I'm doing. Now let me let me recap. What I'm trying to do is I'm trying to get not too many things coming at you to put pressure on you. The only pressure is getting out of the debt now because we got the wedding financed. You see what I did?

明白。是的。

Right. Yes.

但你们需要培养那种，里德，那些通过这样做改变生活的人，他们内心会产生一种积极的愤怒。就像是：我受够了！我厌倦了赚这么多钱却一无所有。没错，我有这些往返亚特兰大的开销，但我什么都没剩下。

But then you've got to create the people, Reed, that changed their lives doing this stuff are the ones that create this internal positive anger. It's like, I've had it. I'm sick of making this much money, and I got nothing. Yeah. I got this expenses running back forth to Atlanta, but I got nothing.

我受够了这一切，我将尽一切道德和法律允许的努力来改变镜子里的这个人，我正在疯狂改变。我的意思是，你必须让这件事运转起来。对吧？当你让它运转起来后，你就会好起来的。但你可能不知不觉就陷入债务。

And I'm sick of this, and I'm gonna do whatever it takes that's moral and legal to change that in the person in my mirror, and I'm freaking changing. I mean, you gotta get this thing going. Right? And when you get that going, then you're gonna be okay. But you can wander into debt.

你不可能不知不觉就摆脱债务。你必须对此充满激情，这会促使你做出巨大牺牲来实现目标。所以账户里有1万，花掉6千，在你的储蓄账户里留下1千。不要再往你的401(k)里投钱了。暂时停止。

You can't wander out. You gotta get passionate about it, and that causes you to sacrifice deeply to hit the goals. So 10,000 in an account, 6,000, leaving 1,000 in your savings account. No more money going into your 401. Stop it temporarily.

暂时停止一切。你的生活现在暂停，直到你还清另外9000美元的学生贷款；你的生活暂停，直到你重建应急基金到1万或1.5万美元。所以当你蜜月归来时，你有1.5万美元现金，婚礼没有负债，也没有其他债务，而且你赚12万。那感觉很好。这值得为之奋斗。

Stop everything temporarily. Your life is now on hold till you get the other 9,000 student loans paid off, and your life is not on hold until you finish that emergency fund rebuilding it to 10 or $15,000. So when you come home from the honeymoon, you have $15,000 cash, no debt on the wedding, and no debt, and you make a 120. That feels good. That's worth pushing for.

是的。那是一种破釜沉舟的心态，这正是你现阶段需要的。现在我没有缓冲余地了，但我们不是为婚礼而焦虑，而是，嘿，我不喜欢没有应急基金这个事实。这是完全不同的心态，它能非常清晰地激励你。

Yeah. And that's a burn the ships mentality, which is what you need at this point. It's now I have no margin, But instead of stressing out over the wedding, we're just, hey. I don't like the fact that I don't have an emergency fund. That's a very different vibe, and that motivates you very clearly.

我太喜欢这个了。此时此刻全是决心。

I love that. All conviction at this point.

是的。我只是……我创建一些系统来推动我去做我想让自己做的事。是的。没错。我把自己置于那些境地里。

Yeah. I just you I I create systems that push me to do what I want me to do. Yes. Right. I put myself in those positions.

所以我喜欢诸如从支票账户自动扣款进行投资这类事情的原因之一，也是401(k)计划让更多人积累起财富，几乎胜过其他任何方式的原因之一，就因为它是自动的。是的。任何我能做的，在我周围建立一个能自动化我的纪律的系统的事情

So one of the reasons I love stuff like automatic draft on your checking account going into your investments are one of the reasons the four zero one has caused more people to build wealth than just about anything else because it's automatic. Yeah. Anything I can do to put a system around me that automates my discipline

好吧，告诉大家为什么你——我知道你做了什么，但背后的心理是什么，好吧。我们来资助婚礼。你为什么让她这么做？因为那是我知道你所做的。这很聪明，但解释一下让她这么做的心理机制。

Well, tell everybody why you I know what you did, but what's the psychology behind saying, alright. We're gonna fund the wedding. Why'd you tell her to do that? Because that's I know what you did. It's brilliant, but explain the psychology behind having her do that.

无法同时专注于两件事。是的。其中一件肯定会受影响。

Can't focus on two things at once. Yeah. And one of them is gonna suffer.

是的。婚礼对她来说太重要了。这是如此重大的事情，如果戴夫没有让她这么做，结果就是她会开始想，婚礼超级重要，超级重要。我无法兼顾两者，这会彻底破坏还债的势头。这样一来，你给了她

Yeah. The wedding is so important to her. It's such a huge deal that if Dave didn't have her do that, what happens is she starts to go, well, the wedding is super important, super important. I can't do both, and it kills any momentum on on getting rid of the debt. This way, you give her

一个

a

完整的 相反地，

full Instead,

我在隧道尽头看到了一盏灯，而不是迎面驶来的火车。太妙了。即使那只是一个小手电筒。没错。

I've got a light at the end of the tunnel that's not an oncoming train. Brilliant. Even if it's a penlight. That's right.

有一个

There's a

就是那个点。没错。这是一个单一的焦点。是的。当你试图改变行为时，你要寻找一个单一的焦点，然后用发自内心的、充满激情的、近乎疯狂的方式去专注于此。

light there. That's right. And it's a singular a singular focus point. Yeah. And when you're trying to modify behaviors, you look for singular focus point and lean in on that with visceral passionate craziness.

嗯。

Mhmm.

然后你就能在你的大脑中创造这种永久性的改变，然后你就能继续前进。你重塑了自我，这就是你正在做的事。是的。朋友们，当我们帮你摆脱债务时，摆脱债务本身并不是发生的最重要的事。重要的是你在摆脱债务的过程中变成了什么样的人。是的。

And then you can create this permanent change in your brain, and and you and you rock on then. You reset who you are is what you're doing. Yeah. Folks, when we get you out of debt, the getting out of debt is not the important thing that happened. It's what you became Yeah.

在你摆脱债务的过程中所发生的变化，那才是最重要的事。

While you were getting out of debt. That's the important thing that happened.

嘿，各位。超过一亿美国人背负着医疗债务，这太可怕了。这也表明传统的保险常常让人们独自面对巨额账单。家庭需要的不仅仅是保险，他们需要社群的支持。

Hey, you guys. More than one hundred million Americans carry medical debts, and that is so scary. And it shows that traditional coverage often leaves people to face big bills alone. Families need more than just coverage. They need community.

那么，如果你的医疗费用更低，并且在这个过程中还能得到其他信徒的实际支持呢？这就是我喜欢基督教医疗事工（CHM）的原因。CHM是一个基于信仰、预算友好的健康保险替代方案，自1981年以来一直在服务信徒。他们已经支付了超过120亿美元的医疗账单。各位，这就是行动中的信仰。

So what if your healthcare costs less and you are actually supported by other believers in the process? That's why I love Christian Healthcare Ministries. CHM is a budget friendly, faith based alternative to health insurance that's been serving believers since 1981. And they've paid over $12,000,000,000 in medical bills. Y'all, that is faith in action.

让我再说一遍：CHM不是保险。它是一个全国性的医疗费用共享事工。是基督徒帮助其他基督徒支付医疗账单。有了CHM，你可以选择你的医疗服务提供者。没有网络限制，没有意外账单，也没有保险带来的头疼事。

So let me say it again: CHM is not insurance. It's a nationwide health cost sharing ministry. It's Christians helping other Christians with their medical bills. With CHM, you get to choose your providers. There are no networks, no surprise bills, and no insurance headaches.

无论你是刚开始组建家庭，还是正在寻找更符合预算的方案，CHM都能让你的信仰与财务达成一致。项目起价仅为每月98美元。请访问chministries.org/budget了解更多信息，今天就迈出信心的飞跃。网址是chministries.org/budget。

Whether you're just starting out as a family or you're looking for something that fits your budget better, CHM is where your faith and finances agree. Programs start at just $98 a month. So go to chministries.org/budget to learn more and take the leap of faith today. That's chministries.org/budget.

今日问题由Why Refi为您呈现。你试过预算规划，试过最低还款，但那些违约的私人贷款仍然压得你喘不过气。Y Refi或许能提供帮助。详情请访问yrefi.com/ramsey。注意是字母y开头的yrefi.com/ramsey。

Our question of the day is brought to you by Why Refi? You've tried budgeting, you've tried making minimum payments, but those defaulted private loans are still weighing you down. Y Refi might be able to help. Learn more at yrefi.com/ramsey. That's the letter yrefy.com/ramsey.

并非所有州都提供此服务。

Not available in all states.

今天的问题来自马萨诸塞州的大卫。我父亲最近突然去世，未能立下他一直计划要立的遗嘱。他拥有五处房产，其中只有两处有抵押贷款。他还与合伙人共同拥有一家企业，每年产生近100万美元的持续性收益。母亲已不在世，我还有一个有药物滥用问题的哥哥。

Today's question comes from David in Massachusetts. My father suddenly passed away recently and did not make the will he always planned to create. He owned five properties, and only two have mortgages. He also owned a business with a partner, which brings in close to 1,000,000 in residuals annually. My mother is not in the picture, and I have an older brother who has a substance abuse problem.

我父亲没有从父母那里继承任何财产，所有这些都是白手起家创造的，所以我希望尊重他的意愿，确保这些资产不被浪费。如果我哥哥拿到他那份遗产，肯定会全部挥霍在毒品上。死亡证明上只会写我的名字，我们的律师将申请由我担任遗产管理人。我能否通过法律手段阻止我哥哥一次性获得遗产？

My father did not inherit any money from his parents and built all this from the ground up, so I want to honor him by making sure none of this goes to waste. My brother will waste away his half of the inheritance on drugs if he gets access to it. My name will be the only one on the death certificate, and our attorney will file for me to be the head of his estate. Is there anything I can legally do to prevent my brother from getting a lump sum?

你需要寻找真正懂行的法律顾问。不，我对此表示怀疑。除非法院宣告他无行为能力，无法处理自身事务，否则他很可能获得一次性给付。仅仅是愚蠢或吸毒并不足以构成法律意义上的无行为能力。

You need to seek legal counsel that really knows what they're doing. No. I doubt it. I think he's gonna get his lump sum unless he's declared incompetent by the court, unable to take care of his own affairs. And just being stupid or doing drugs is not going to cause that to happen.

愚蠢、不成熟的吸毒者在法律上并不等同于无行为能力。你说母亲不在世？但现在她确实存在法律关联。如果他们在你父亲去世时仍处于婚姻状态，无论你是否愿意，她都具有法定继承权。再次强调，我们不是马萨诸塞州的律师，你需要咨询当地的专业法律意见。

Stupid, immature drug person is not gonna that's not incompetent by legal terms. My mother's not in the picture. She is now. If they were married, or if they are if they were married at the time of his death, she's very much in the picture, whether you want her to be or not. So, again, we're not attorneys in Massachusetts, so you need legal advice in Massachusetts where you are.

我怀疑马萨诸塞州有一些非常严苛古怪的遗嘱认证法，因为那里还有一些其他疯狂的法律条文，所以这完全不会让我感到意外。但你需要先弄清楚你面对的是什么情况，好吗？在大多数州，如果你母亲还在世且他们仍处于婚姻状态，她至少会获得这些资产的一半，不管你是否愿意或其他人是否愿意。而你弟弟，如果母亲已故或他们已离婚等情况，她在法律上已不在考虑范围内，那么你和你弟弟将各得一半。据我所知，你无法通过法律手段阻止你弟弟获得他那份。如果情况如此，我会建议你在与律师会面后，坐下来和你弟弟谈：'我爱你，爸爸也爱你，我不希望你用这笔钱去吸毒过量。'

And my suspicion is Massachusetts has some wicked, crazy probate laws because there's some other stuff on the books there that's wild, and so it wouldn't wouldn't surprise me a bit. But you need to find out what you're dealing with, okay? So in most states, if your mother is alive and they're still married, she's gonna get at least half of these assets, whether you wanted her to or anybody else wanted her to. And your brother if not, if she's dead or they're divorced and gone or whatever and she's really not in the picture legally, then you and your brother are gonna get half each, and I'm not aware of anything you can do to legally prevent your brother from getting his half. Now, what I would do, if that's the case when you sit down with your attorney, is I would sit down with your brother and say, look, I love you, dad loved you, I don't want you to use this to OD.

'我不希望你挥霍一空最后什么也不剩。如果你允许我代为管理你那份资产，直到你度过人生的这个阶段，我愿意帮你这个忙，因为我非常担心你最终会一无所有。你觉得怎么样？'然后看他的反应。再说一次，这种情况下有多少比例的人会说'好啊，你来管吧'？

I don't want you to use this and have nothing to show for it later. If you would allow me to manage your half for you until you get through this part of your life, I will do that as a favor to you because I'm very afraid that you're going to end up with nothing. What do you think? And see what he says. And again, what percentage of guys in this situation are gonna go, oh, yeah.

根本不会有。但值得一问。这可能是你唯一能用的劝说技巧了。

Why don't you take care? None. But it's worth asking. But that's prob persuasion's probably your only technique.

确实。处境很艰难。请节哀顺变。

Yeah. Tough situation. So sorry for your loss.

是的。这说明了什么？说明每个人都需要立遗嘱。嗯。就这样。

Yeah. What does this illustrate? Illustrates everyone needs a will. Mhmm. Period.

原因在于：这位突然离世的父亲给两个儿子下了诅咒。因为他没有立遗嘱，给孩子们留下了一堆烂摊子。现在一个儿子要应对兄长试图挽回浪子的局面，想要实现父亲的愿望，努力思考对策，但却没有指引也没有法律约束。如果你父亲简单地将一半资产以信托形式留给你弟弟，立这样的遗嘱最多只需要一个半小时。

And here's why. What you what this guy did when he died suddenly is he has put a curse on his two sons. He left them with a mess because he didn't do a will. And so now you've got one son trying to navigate the older brother trying to navigate the prodigal and try to do what dad wanted and try to think through and not there's no direction and there's no legal binding anything. If your dad had simply left half of this in a trust for your brother, it would have taken an hour and a half to do that will maximum.

如果他以信托形式留一半给你弟弟，并指定你作为受托人管理，等到你弟弟表现出积极行为时再将信托控制权移交给他——这对于有不成熟子女或吸毒子女的家庭是很常见的安排，就是为他保管但不让他随意动用。所以这只需要...你们听好了，如果你爱那些你将要离开的人，就赶紧立遗嘱吧！因为不这样做只会给你留下的人制造混乱。做好遗产规划是一种爱的行为，现在这位可怜的大卫要独自承担所有重担。他是这个故事里唯一的成年人了。是的。

And if he'd left half of it in trust for your brother with you as the trustee to manage it, and upon such time as your brother exemplified positive behaviors, you released the trust to his control, which would be a fairly normal thing where you've got an immature kid or a kid doing drugs or whatever, you're going to hold it for him but not let him have it. So what it take it just, you know, it's just so those of you that are out there, do your freaking will if you love the people that you're gonna leave behind because you just you screw up everything for the people you leave behind by not doing it. It is an act of love to do your estate planning because now this poor guy David has got this whole thing is sitting on his shoulders. He's the only adult in the story. Yeah.

真是让我火冒三丈。我们这里谈的可是数百万美元。是啊。顺便说一句，他还有个生意伙伴现在也不知道该怎么办。嗯。

Just aggravates the pee out of me. So this is millions of dollars we're dealing with here. Yeah. And by the way, there's a partner in a business he was running with that doesn't know what to do too. Mhmm.

我敢肯定那边也他妈没有任何计划。所以各位，我不在乎你是只有两枚硬币和一个孩子。你需要遗嘱，因为如果没有遗嘱指定谁来照顾你的孩子，孩子就会被国家控制。你打算把这个决定权交给车管局的人吗？那些管理车管局的人。

And I'm sure there's no freaking plan there either. So you guys, I don't care if you got 2 nickels and a kid. You need a will because the kid is gonna be controlled by the state if you don't have a will that dictates who's gonna take care of your kid. You're gonna leave that up to the DMV people? The people that run the DMV.

这就是你跟政府打交道时会遇到的办事水平。不，我绝不会把决定权交给他们。不，我绝不会因为自己太懒没把事情办好，就让政府来决定任何事。

That's the level of competence you have when you're dealing with the state. No. I'm not leaving that up to them. No. I'm not leaving anything up to the government to decide anything because I was too trifling to get my dadgum work done.

立好遗嘱就是成年人的责任，就是把该做的事做好。天啊。可怜的大卫。我真为你难过，大卫。但我告诉你，如果你有一大帮人，一帮你不喜欢的孩子们...嗯。

And getting your will done is being an adult and getting your work done. Oh, man. Poor David. I'm so sorry, David. But I tell you what, if you wanna if you have a bunch of people, a bunch of kids that you don't like Mhmm.

如果你想...如果你想彻底毁掉他们未来十年的生活，那就留下大约200万美元却不留任何指示，再散落一堆他们以为是你意愿的纸片，看着他们为此争斗，所有律师在接下来十年里把这200万美元赚走，而家族成员余生老死不相往来。这几乎是个 guaranteed 的成功配方。没错。

And you wanna you wanna you wanna really mess up the next ten years of their life, leave about $2,000,000 with no instructions and a bunch of scraps of paper laying around of what they thought you wanted, and watch them fight through it, and all the lawyers get the $2,000,000 over the next ten years, and nobody in the family talks to each other the rest of their lives. It's almost a guaranteed formula. That's right.

是的。这就像在中间扔下一颗炸弹

Yep. It's like dropping a bomb off in the middle of a

一个家庭里。

A family.

是的。

Yeah.

这正是它的作用。所以就是让人恼火。大卫，很抱歉你遇到这种情况，但我不会在你兄弟身上浪费太多精力。这不是他的错，也不是他的问题。

That's exactly what it does. So just aggravating. David, I'm sorry you're facing that, but I I wouldn't burn a ton of calories on your brother. It's not his fault. It's not his problem.

他是他自己的问题。他是所谓的成年人，我不会在任何事情上浪费精力，除了把这件事解决掉，把你自己的部分处理好，然后继续像一个负责任的人那样生活。哦对了，立个遗嘱。我提过吗？丽贝卡在圣地亚哥。

He's his problem. He's what's known as an adult, and I wouldn't burn a ton of calories on anything except just getting this thing settled and and moving your part over to the side, and you go live your life like a responsible human being. And, oh, by the way, get a will. Did I mention that? Rebecca's in San Diego.

嗨，丽贝卡。有什么事吗？

Hi, Rebecca. What's up?

你好。你好吗？

Hello. How are you?

比我应得的要好。有什么可以帮你的？

Better than I deserve. How can I help?

我母亲继承了我曾祖母的房产，那里有两栋房子。不幸的是，两栋房子都需要大量修缮工作，而我母亲负担不起这些费用。如果

So my mother inherited my great grandmother's property that has two houses. Unfortunately, both of them need significant amount of work that my mother cannot afford to do. If

我们当时

we were

搬过去的话，这块土地就传了五代人了，所以我们正尽力不卖掉它。我和我丈夫确实存了首付款可以买房，但我们想不如搬进那栋大房子。我们有两个孩子，还有一个即将出生。用首付款来翻修那房子，住进去，没有债务，你知道，不用还房贷。而我妈妈会住进那栋需要较少修缮、更适合她一个人住的小房子。

to move there, it'd be five generations on this land, so we are trying to do what we can to not have to sell it off. My husband and I do have a down payment saved to buy a house, but we were thinking instead that we could move into the bigger house. We've got two kids and another one on the way. Use a down payment to fix up that house and live in it and have no debt, you know, no house payment. And my mom would take on the smaller house that needs less work and better suitable for, just her by herself single.

她最近决定只想自己当唯一的土地所有者。我们不会被加到地契上，或任何法律文件里。

She recently decided she wanted to only be the sole landowner. We wouldn't be put on the deed, or anything legally.

这就定了。我不去了。

That settles it. I'm not going.

她想要我们除了投入大约10万美元外，每月再付800美元

She wants us to pay $800 on top of, about a $100,000 we would be putting into

我正在修房子，而且

I'm repairing the house and the

不去了。

not going.

我就是这么说的。

That's what I said.

但你不能把10万美元投到别人的房子里。假设一下，丽贝卡，你是我的租客，我说，嘿，不如你来翻新我的房子吧？你会觉得我是个白痴。我才不会在你的房子里投10万美元呢，戴夫。

But You don't put a $100,000 in somebody else's house. Let's pretend, Rebecca, that you were my renter and you were my tenant, I said, hey. Why don't you renovate my house? You would look at me like, you're an idiot. I'm not putting a $100,000 in your house, Dave.

租客为什么要这么做？

Why would a renter do that?

是的。

Yes.

别这么做。抱歉，妈妈。这样行不通。我们只能去别处买房子了。希望你们一切顺利。

Don't do this. Sorry, mom. This isn't gonna work out. We're gonna have to just go buy a house somewhere else. I hope this all works out for you.

是啊。家人这么说是因为有一天我可能会和兄弟姐妹一起继承，孩子们应该照顾

Yeah. Family, said that because one day I would possibly inherit with my siblings that children should take care of

等我继承的时候再处理吧。现在，我什么都不会做。

I'll deal with it when I inherit it. Right now, I'm not doing a thing.

是啊。你已经不喜欢这样了，而且还在努力想弄明白。

Yeah. You already don't like this, and you're still trying to figure this out.

你妈妈在这儿设了个圈套。你得赶紧跑。这氛围很糟，很不吉利，孩子。真的很糟。你得赶紧跑。

Your mom has set up a trick bag here. You need to run. This is a bad vibe, bad juju, kiddo. Really bad. You need to run.

这是个陷阱。她喜欢捉弄人，我在这儿都能看到那些操纵线。你得跑，跑，跑，跑，跑，跑，跑。

This is a trick bag. She likes to mess with people, and I can see the strings from here. You need to run, run, run, run, run, run, run.

大家想知道一个能改变你食品杂货预算的游戏规则吗？每周购物从Aldi开始。说真的，把Aldi作为你的第一站，你就能轻松搞定家人爱吃的食物。从新鲜的有机农产品到草饲碎牛肉、腌制即烹鸡胸肉，再到高品质的乳制品。你既能做出美味佳肴，又能严格控制预算。

Y'all, do you wanna know a game changer for your grocery budget? Start your weekly shopping at Aldi. Seriously, by making Aldi your first stop, you can easily check off your family favorites. From fresh organic produce to grass fed ground beef, marinated ready to cook chicken breasts, and high quality dairy products. You'll be able to make incredible meals while keeping your budget on track.

这里没有高价噱头，也没有会员费。现在，像你们这样的真实家庭，仅仅通过每周把Aldi作为首选杂货店，一年就能节省高达4000美元。请访问aldi.us查找您附近的店铺。就是aldi.us。

So no overpriced gimmicks or membership fees here. Now real families like yours are saving up to $4,000 a year just by making Aldi their go to grocery store every week. Find a store near you at aldi.us. That's aldi.us.

节省金额基于Aldi与选定竞争对手的区域性分析。价格可能因地点、产品供应情况和市场而异。

Savings based on regional analysis of Aldi versus select competitors. Prices may vary by location, product availability, and the market.

如果你明天去世，你的家人需要多少钱才能维持生计？他们怎么还房贷？怎么买日用品？如果你的生活中有人依赖你的收入，你就需要人寿保险。那你又该如何从众多选择中做出决定呢？

If you die tomorrow, how much would your family need to keep the lights on? How would they pay the mortgage? How would they buy groceries? If anyone in your life depends on your income, you need life insurance. And how do you choose from all the options out there?

嗯，人寿保险中的定期寿险是唯一能满足你所有需求的险种——以最低成本替代你的收入。我们在节目中推荐定期寿险已经三十五年了。你需要一份保额约为年收入10到12倍的保单，我们认为最理想的期限是15到20年的定额定期保单，意味着保费保持不变。如需更多信息和资源，请使用我们免费的定期寿险指南。你可以访问ramseysolutions.com/termlifeguide。

Well, life insurance's term life is the only kind that does everything you want, which is replace your income for the lowest possible cost. And we've recommended only term life insurance for the last thirty five years here on the air. You need a policy worth about 10 to 12 times your annual income, and the perfect term length, we think, is a fifteen to a twenty year level term policy, meaning the premium stays the same. For more info and resources, use our free term life insurance guide. You can go to ramseysolutions.com/termlifeguide.

这是免费的，或者点击节目说明中的链接。说到人寿保险，凯尔带着一个人寿保险问题联系我们了。看这个。嘿，凯尔。在坦帕的。

It's free, or click the link in the show notes. Speaking of life insurance, Kyle is with us with a life insurance question. Look at that. Hey, Kyle. In Tampa.

怎么了？

What's up?

挺好的。你呢？

Good. How about you?

比应得的要好。需要什么帮助？

Better than I deserve. How can I help?

是的。所以我觉得我们

Yeah. So I think we're

在退休储蓄方面做得不错。但我们有那种被推销买的大额人寿和终身寿险。我妻子不同意退掉，但我同意。现在这有点像是个两难境地，我觉得我们已经有足够的保障了，但我想退掉主要是为了潜在的增长机会。

doing good on our savings for retirement. But we have, like, a large life and whole life that we got kinda sold on. And my wife, she doesn't agree with giving it up, but I do. And now it's kinda like a catch 22 where I think we have enough, but I just wanna give it up kinda just for potential growth.

好的。

Okay.

所以现金价值大约是80万美元。

So it's like $800,000 in cash value.

嗯。

Mhmm.

有可能，也许我看到了最终结果。就像

Potential, it could be. Maybe I looked into the end. Like

你目前的现金价值是80万？是的。你确定吗？

You currently have cash value of 800 k? Yes. Are you sure?

是的。

Yes.

你投入了多少钱？

How much did you put into this?

我们在这上面投了很多钱。我不太清楚。我们就是有点陷进去了。我想大概是十年前的事了。

We put a lot of money into this. I don't know. We just kinda got caught up into it. I think it was, like, ten years ago.

那么面值是多少？身故赔付金额是多少？

So what is the face value? What's the payout on death?

目前，我的是120万，她的是230万。

At this moment, 1.2 for me, 2.3 for her.

好的。明白了。那你的收入是

Okay. Alright. And what do you make

给她？支票。我不开支票。我们俩加起来大概赚325万。

for her? Checks. I don't make them. Together, we make about $3.25.

你赚多少？

What do you make?

大约55万。

About 55.

那她挣多少钱？

And what does she make?

大约2.75美元。

About $2.75.

好的。好吧。好吧。她是医生吗？

Okay. Alright. Alright. Is she a doc?

是的。

Yes.

是的。他们就是针对这种人。好吧。

Yeah. That's who they go after. Okay.

是的。差不多就是这样。

Yes. And that's kind yeah.

她是个目标。

She's a target.

她是个目标。

She's a target.

他们把你榨干了，也把你所有朋友都榨干了。是的。是的。你被坑了，而且你每保留它一天都在继续被坑。所以就像你说的，我觉得我们已经掌握得够多了。

They worked all her, and they worked all her buddies. Yeah. Yeah. You got screwed, and you're getting screwed every day that you keep it. So do you you said, I think we've got enough.

我的意思是，你有很多净资产还是什么？我是说，对啊。你的净资产是多少？

I mean, what you have a large net worth or something? I mean yeah. What is your net worth?

我的意思是，大概，嗯，300万左右吧。

I mean, it's it's probably, like, 3,000,000.

好的。投资在哪些方面？

Okay. Invested in what?

那不包括在那份保单里。大概150万是房子，嗯。然后大约140万是401k之类的退休账户。

That's not included in that policy. It's probably, like, 1.5 for houses Mhmm. And then about 1.4 for just four zero one k things.

好的。

Okay.

然后我有80万这个，我就有点像是

And then I have 800,000 of this, and I'm just kinda like

我懂了。好吧。这样，让我大概给你解释一下，你可以把这段录音放给她听。好吗？医生是终身寿险推销员的主要目标对象。

I gotcha. Alright. Well, let me kinda give let me you can play this back you can play this back for her. Okay? Docs are targeted by whole life guys.

他们是他们是那些卖这垃圾产品的人的理想目标客户。这是世界上最差的金融产品之一。简直糟糕透顶。整个金融界除了卖它的人之外，没有人相信终身寿险是个好产品。我们其他人，所有理财规划界、投资界、遗产规划界的人，除非他们涉足终身寿险业务，否则都不相信它，而且会告诉人们不要买。

They're they're the they're the the sweet spot for those guys that sell this crap. It is one of the worst financial products in the world. It's absolutely horrendous. No one in the entire financial world believes in whole life life insurance as a good product except the people that sell it. All the rest of us, all the financial planning community, all the investment community, all the estate planning community, unless they're involved in the whole life business, they do not believe in it, and they tell people not to do it.

我们所有人都已经摒弃了这个产品，因为它不仅仅是差，而是最差之一。它就是保险界的发薪日贷款。就是这么糟糕。这不是一个中等水平的产品。这是一个绝对糟糕的产品。

All of us have abandoned this product, because it's not just bad, it's one of the worst. It's the payday lender of the insurance world. That's how bad it is. This is not a medium product. This is a product that absolutely is horrendous.

好吗？现在让我给你解释为什么，然后你们可以回家，在播放这段录音后讨论这个问题，因为它会出现在播客上。好吗？好的。在你们这种情况下，人寿保险只有一个可能的需求，那就是如果你们中有人去世，而其他人依赖那个人的收入，用来替代失去的收入。

Okay? Now let me walk you through why, and then we can then you guys can go home, and you can talk about this after you play this back, because it'll be on the podcast. Okay? Okay. Life insurance has one possible need in a scenario like you're in, and that is to replace lost income if one of you dies and the rest of you are dependent on that person.

你们的遗产规模还不足以产生遗产税问题，所以你们完全不需要为了这个目的购买人寿保险。你们需要达到2500万美元才需要担心遗产税问题，而你们离2500万美元还远着呢。明白吗？

You do not have a large enough estate to have an estate tax problem, and so there is no you have zero need for life insurance for that purpose. You gotta get to $25,000,000 before you have to worry about an estate tax problem, and you're a long way from $25,000,000. Alright?

嗯。

Mhmm.

所以你根本没有遗产税的问题，差得远呢。近期也不会有。不过你需要人寿保险是为了替代收入。现在，我们来替代她的收入。

So you don't have an estate tax problem at all. Not even close. Nor are you going to have one anytime soon. Now and so but what you do need life insurance for is if you wanted to replace the income. Now, we replace her income.

你需要大约10倍于那个数额，所以大概要给她买250万到300万美元的保单，可能是300万美元。而你的话，我们取10倍，所以给你买75万美元，凑个整。好吗？在你们这个年纪，这几乎不花钱。如果你不吸烟也不肥胖，成本就像一块披萨的钱。如果你不胖也不吸烟，人寿保险几乎不花钱。

You would need about 10 times that, so you would take about 2 and a half to $3,000,000, probably $3,000,000 policy on her, and we'd take about 10 times on you, so we'd take up 750,000 on you just to round up. Okay? You could do that at your age for nothing. The cost of a pizza if you don't smoke and you're not obese. If you're not fat and you don't smoke, life insurance costs almost nothing.

它便宜得离谱，就像一块披萨的钱。嗯，在你们这种情况下，这几百万，大概相当于三块披萨吧。但和我们讨论的80万美元相比，真的不算什么。明白吗？

It's ridiculously inexpensive. Like the cost of a pizza. Well, in your case, this many millions, probably three pizzas. But it's real really no money compared to the $800 we're talking about. Alright?

现在问题来了。你们往这里面投了这么多钱。如果她去世，你知道他们会赔多少吗？230万美元。你知道那80万美元怎么了？

Now here's the problem. You put so much money into this thing. If she does, you know what they're gonna pay? 2,300,000.0. You know what happened to the 800,000?

他们会留下它。现金价值随被保险人死亡而消失。这是个危险的情况，因为你们被坑得太惨了。所以如果我是你，我会尽快把它兑现。嘿，真的很快。

They're gonna keep it. Cash value dies with you. This is a dangerous situation because you guys have gotten screwed so bad. So if I were you, I would cash this out Hey. Really fast.

让我说一下，她的保单是50万，我的是30万。所以我们有两份不同的保单。

And let me and let me say, like, hers is 500, and mine's 300. So we we have two different ballots.

没关系。我会尽快兑现它。

That's okay. I'd cash it out real fast.

直接处理掉它们吧。

Just get rid of them.

我两个都拿到了。好的。我今天之内会搞定。因为如果你们中有人在未来六十天内去世而没有寿险，但还有300万美元可以生活，我觉得你们应该没问题。

I got both of them. Okay. I'll done by by the end the day. Because if one of you dies without life insurance in the next sixty days and you've got $3,000,000 left to live on, I think you're gonna be okay.

是的。我也是这么跟她说的。

Yeah. That's what I told her.

好吧。所以你们是自保的。如果想买些定期寿险，可以去Zander Insurance询价。如果你想额外买些保险，这不需要什么成本。但现在，你们有300万——哦，等等，不对。

Alright. So you're self insured. If you wanna go buy some term insurance, price it out with Zander Insurance. It doesn't cost nothing if you want some extra insurance. But right now, you've got 3,000,000 oh, wait a No.

算上这80万，你们差不多有400万了，对吧？

You've got almost 4,000,000 counting this 800,000. Right?

是的。

Yes.

是的。而且我觉得，如果你们中有一人不幸去世，另一个人靠400万美元也能过得去。没错。所以你们是自保的。

Yeah. And I think you guys if one of you dies, the other one can make it on $4,000,000. Yeah. So you're self insured.

就把这80万直接投进，比如说，共同基金里。

Just taking this 800,000 and putting it into, like, a mutual fund.

你本该把它投到一个好的投资项目上。没错，绝对应该。选一个会增值的。现金价值的全国平均回报率只有1.26%。

You should have put it in a good investment. Yeah. Absolutely. One that goes up in value. Cash value has an average rate of return nationally of 1.26.

1%。你根本没赚到钱。这让你每年损失100美元的机会成本，这些钱本该增长的。是的，太糟糕了。

1%. You're making nothing. This is costing you a $100 a year in lost opportunity what it should be growing. Yep. Awful.

绝对糟糕。所以，不，你应该告诉他那个人寿保险推销员跳崖去吧，他把你们坑惨了，真的非常惨。我大概都能说出是哪家公司。

Absolutely awful. So, no, you you should tell his life insurance guy to jump off a cliff, and he screwed you guys bad, really bad. And I can name the company probably.

呃哦。为什么医生是这种情况的重灾区，因为他们

Uh-oh. Why are doctors ground zero for this this because they

赚很多钱，而且因为自己是新晋医生就觉得自己很了不起，但对财务知识一窍不通。他们可能是最不会管钱的人，可能除了演员和乡村音乐明星之外。医学博士们（MDs）的理财能力糟糕透顶。有一小部分乡村音乐明星做得很好。没错。

make a lot of money, and they feel all fancy because they're new doctors, and they have no knowledge of finances at all. They're the worst with money with the possible exception of actors and country music stars. MDs are horrendous with their money. There's a handful of country music stars do a really good job. Right.

有一小部分医生做得很好。没错。有一小部分NFL球员做得很好，而剩下的都是财务白痴。所以这些推销员就盯上了这些因为刚拿到医学博士学位而自我感觉良好的家伙们（男女都有），他们就在你刚开始赚钱的时候趁虚而入，跟你说，‘哦，你需要买终身人寿保险’。太可怕了。

There's a handful of doctors do a really good job. Right. There's a handful of NFL players do a really good job, and the rest of them are financial morons. And so these guys weigh in on these guys who are all puffed up because I just got my MD and these gals, and they're feeling all good about themselves because they just got to be a doc, and they swoop in just about that time, about the time you're making a money, and and they go, oh, well, you need whole life life insurance. So horrible.

糟糕透顶的产品。是的。你是...我不管。哪个我都卖。你想怎么做就怎么做。

Horrible, horrible product. Yeah. You're and I don't care. I'll sell either one. You do whatever you wanna do.

但如果我处在你的位置，到这个周末，我就能拿到我的80万美元，然后我会和一位SmartVestor Pro顾问坐下来，开一个好的共同基金账户，让这笔钱获得12%的收益而不是1%，而且等我死了，他们也不会拿走这笔钱。给你个主意。如果你在那时除了400万美元的净资产外还想要一些人寿保险，就给Zander保险打电话买一些。比如，46岁，如果你不肥胖也不吸烟，你可以买一些保险。真的没那么贵。

But if I woke up in your shoes, by the end of the week, I'd have my 800 k in my hand, and I'd be sitting down with a SmartVestor Pro and opening up a good mutual fund and making 12% on this money instead of 1%, and when I die, they don't keep it. Here's an idea. And if you want some life insurance in addition to your $4,000,000 net worth at that point, just call Zander Insurance and get you some insurance. You can get like, again, 46 years old, if you're not obese and you don't smoke, you can get some insurance. It's really not that much.

但很久以前我就不买保险了，因为如果我死了，莎伦没问题。事实上，我死了她真的没问题。我得睁着一只眼睛睡觉。

But long ago, I quit buying insurance because Sharon's okay if I die. Matter of fact, she's really okay if I die. Kinda need to sleep with one eye open.

嘿，大家好？我是约翰·德洛尼博士。2026年情人节周末的'金钱与婚姻'静修会新日期已经公布。这是你暂停生活中一切事务，在田纳西州纳什维尔与配偶度过一个长周末重新连接的机会。

Hey, what's up? Doctor. John Deloney here. The new dates have dropped for the Money and Marriage getaway over Valentine's Day weekend in 2026. This is your chance to hit pause on everything in your life and reconnect with your spouse over a long weekend in Nashville, Tennessee.

我和我的朋友蕾切尔·克鲁兹将深入探讨诸如性、金钱、沟通等话题。这个周末活动在2月12日至14日举行，早鸟价每对夫妇749美元起，但价格很快就要上涨。今天就在ramseysolutions.com/events 购票吧。

Me and my friend, Rachel Cruz will be digging into topics like sex, money, communication, and more. This weekend is happening on February 12 through the fourteenth and early bird prices start at $749 per couple, but the prices will be going up soon. Get your tickets today at ramseysolutions.com/events.

欢迎回到Fairwinds信用 union工作室的拉姆齐秀。我是戴夫·拉姆齐，肯·科尔曼，拉姆齐名人，畅销书排名第一的作者，也是新晋热门节目《前排座位》的主持人，该节目以长形式访谈那些真正懂得如何过好生活的人。如果你加入他的《前排座位》，你会学到很多。我们的电话号码是(888) 825-5225。伯明翰的杰西卡在线。

Welcome back to the Ramsey Show in the Fairwinds Credit Union studios. I'm Dave Ramsey, Ken Coleman, Ramsey personality, number one best selling author, and the host of the new Ramsey runaway hit called Front Row Seat, long form interviewing with, people who really know how to do life well. You'll learn a lot if you join him on front row seat. Our phone number here is (888) 825-5225. Jessica's in Birmingham.

嘿，杰西卡。你那边怎么样？

Hey, Jessica. What's up in your world?

大家好。今天能和你们交流我感到非常幸运。谢谢你们接听我的电话。

Hey, guys. I feel so blessed to talk to you today. Thank you for taking my call.

嗯，谢谢。我们怎么帮你呢？

Well, thank you. How can we help?

好的。我经营着一家个人美容护肤业务，年营业额大约8.5万美元。但扣除开支后，我实际只能带回家约2.4万美元。我丈夫和我正在执行婴儿第二步计划。我真的很热爱我的事业。

Okay. So I run a solo aesthetic skincare business that grosses around 85,000 a year. But after expenses, I only bring home about 24,000. My husband and I are on baby step two. I do really love my business.

我爱我的客户们，但眼下我生活中确实有很多事情要处理。而且我真的没有像过去那样继续推动和扩展业务的动力了。我只是...只是累了。但我的问题是，我是否应该找一份全职工作干一年，还清我们所有的债务，同时保持业务开放，比如每月营业一到四天？

I love my clients, but I do have a lot going on in my life right now. And I just do not have the drive to keep pushing and building my business the way that I have in the past. I'm just I'm just tired. But, my question is, should I take a full time job for a year to pay off all of our debt, and while I do that, keep the business open for, like, one to four days a month?

是的。

Yes.

然后就可以...好的。好的。

And then go okay. Okay.

我累了。我赚不到钱

I'm tired. I don't make any money

是的。

Yeah.

作为一个公式。对吧？什么

As a formula. Right? What

如果你做完全相同的事情，为你客户提供美容护肤服务，你会赚多少钱？如果你为别人做这些，只是按时间收费，你会赚多少？

would you make if you did the exact same thing you're doing, the aesthetic skincare for your clients? If you're doing that for somebody else and you were just getting paid for your time, what would you make?

轻松翻倍或三倍。

Easily double or triple.

是的。这就是答案。

Yeah. That's the answer.

是的。

Yeah.

只要他们允许你保留你的客户。

As long as they allow you to keep your clients.

是的。问题在于，如果我为另一家公司工作

Yeah. That's that's the problem is if I worked for another

你就得放弃客户，存在利益冲突。

You'd have to give up the client's conflict of interest.

是的，没错。所以我在想的是，在行业内做类似的工作，比如为某个品牌做销售之类的，这样就不会直接产生利益冲突。

Yeah. Exactly. So what I was thinking was, doing something similar in the industry, like working in sales for a brand or something like that that wouldn't be directly a conflict of interest.

你能赚到和做你现在的手艺活一样多的钱吗？

Would you make this much as would you make as much as if you did your actual craft?

是的。我确信如果我进入销售领域，比如为一家护肤品品牌工作，我一年大概能赚7万到10万。

Yeah. I'm sure I I could probably if I've got into sales and worked for, like, a skincare brand, I could probably bring anywhere from 70 to a 100 in a year.

那就去做吧。好的。是的。这根本不用犹豫。同时，开始阅读和学习商业知识。

Then do it. Okay. Yeah. It's a no brainer. And meanwhile do Do meanwhile, consider cons begin to read and study business.

是的，先生。

Yes, sir.

因为你是一个典型的意外创业者。嗯。这是我们在Entre Leadership与创业客户合作时的发现，我们指导着大约10,000家小企业。擅长你的技能与运营一家能实现你技能的企业之间存在着巨大差异。是的。

Because you're a classic accidental entrepreneur. Mhmm. Here's what we find when we're working with our entrepreneurial clients in Entre Leadership, and we coach about 10,000 small businesses. There's a vast difference between being good at your skill and running a business that accomplishes your skill. Yeah.

你擅长帮助人们解决皮肤问题的技艺，但在经营企业方面却很糟糕。谢谢。这没关系。你可以做到的。不过你可以学习如何经营。

You are good at your craft of helping people with their skin, you suck at running a business. Thanks. That's okay. You can do it. You can learn how, though.

商业头脑是一种可以学习的技能，因为你目前没有盈利。我知道这一点，因为和你聊了几分钟后，你显然很聪明，表达清晰。我认为你是对的。我觉得光靠和你交谈，你就能赚到10万美元。我真的相信你。

It's a learned skill, business acumen, because you're not making any profit. Know this because you should talking to you for a few minutes, you're obviously bright, you're articulate. I think you're right. I think you could go make a 100 k selling just after talking to you. Actually believe you.

对吧？如果你具备所有这些特质，却在你擅长的这门技艺上连这个数都赚不到，那就是商业问题。

Alright? Now if you're all of those things and you're not making at least that doing this craft that you're good at, it's a business problem.

是的。

Yeah.

所以去学习商业部分。让我告诉你，给你推荐几本书。我会送你一本《打造你热爱的事业》，这是我最新的畅销书第一名。我会给你一本。另一本我要推荐的书是我朋友迈克尔·格伯写的。

And so learn the business part. Let me tell you, recommend a couple books to you. I'm gonna send you a copy of Building a Business You Love, my latest number one bestseller. I'll give you a copy of it. Another book I'm gonna recommend is by a friend of mine named Michael Gerber.

它叫《E神话》，即创业神话，这本书教你学习如何经营你的事业，而不仅仅是在你的事业里工作。

It's called The E Myth, the entrepreneurial myth, and it is learning to work on your business, not just in your business.

好的。

Okay.

杰西卡，我们经常遇到这种情况，我也跟他们说同样的话——一个精通暖通空调维修的人，他非常擅长修理人们的暖通设备，更换坏掉的系统等等。作为一名暖通技术员，他决定自己创业，买了辆卡车，辞去工作，开始自己做暖通维修生意。虽然他技术很棒，但对经营企业一窍不通。嗯。结果他非但没能像以前为别人工作时那样赚8万美元，反而开着自己的卡车只赚了2万美元，过得非常痛苦。

So what we run into all the time, Jessica, and I tell them exactly the same thing I just told you, a guy who knows how to work on heating and air, and he's doing a really good job fixing people's heating and air, replacing their broken heating and air, all that kind of stuff, an HVAC guy, and he decides, I'm gonna open my own thing, and he gets a truck, and he leaves his job, and he goes into business fixing heating and air. Now he's really good heating and air technician, but he knows nothing about running a business. Mhmm. And he ends up exactly where you are instead of making 80,000 working for somebody else fixing heating and air. He ends up making 20,000 with his own truck, and he's miserable.

所以关键差异在于定价、营销、财务管理和业务增长，要懂得企业运营的各个环节并推动发展。四年后你可以带着现在缺乏的商业知识重新开始，雇佣三个 skincare 技师，你自己也做一些 skincare 服务，这样就能赚到15万。但你必须掌握那些你现在没有的额外技能。而眼下，你只是需要一些钱，而且你已经筋疲力尽了。

And so but the only difference there is pricing and marketing and accounting and growing the business, understanding the parts of a business and growing a business, and you can reset, relaunch four years from now with some knowledge that you don't have now on how to run a business, hire three people that do skincare, and you do some skincare, and you could make a 150. But you've gotta have those pieces you gotta have those other tools in your belt you don't have right now. And right now, you just need some money, and you're tired.

是的，先生。

Yes, sir.

从长远来看，你想经营企业吗？戴夫刚才那番鼓励说得很好，顺便说一句，他说得对。在还清债务、摆脱疲惫之后，你还想继续经营企业吗？

Do you wanna run a business long term? After Dave gave you that pep talk, it's a great one, by the way, and he's right. Do you want to run a business on the other side of this debt elimination and how tired you are?

不，我真的很想。我绝对热爱创业。只是我们家现在事情太多，所以我才会这么累。但是我...我真的很热爱，我热爱...

No. I really do. I I absolutely love entrepreneurship. The we just have a lot going on our family right now, so that's the reason I'm tired. But I I I love I love I

我的意思是，如果你每天去工作只赚2万4，你当然会累。没错。如果你每天去工作能赚24万，就不会那么累了。确实如此。

mean, if you go to work every day and you make 24,000, you're tired. Yeah. That's right. If go work every day and you make 240,000, you're not as tired. That's true.

确实如此。

That's true.

只是这确实很难。我的意思是，你正处于一种苦熬的状态。是的。我们称之为商业的跑步机阶段，你感觉自己就像在跑步机上。而在跑步机上跑步比在路上跑更累人，因为你哪儿也没去成。

It's just it's hard. I mean, you're you're just in a slog. Yeah. And we call it the treadmill stage of business, where you feel like you're on a treadmill. And you when you're on a treadmill, it's more tiring than running down the road because you're not getting anywhere.

嗯。嗯。

Mhmm. Mhmm.

这很累人，而且在情感上也很耗人，因为风景一成不变，而这正是问题的一部分。我自己过去几年也经历过这种长时间苦熬的阶段。所以我认为你很了不起，而且我认为这并非一个永久性的解决方案。这是一个为期三到五年的解决方案。

It's just tiring, and it's emotionally exhausting because the scenery does not change, and that that's part of the thing. And I've been there myself running hours over the years, in years past. So I think you're amazing, and I think you this is not a permanent Mhmm. Solution. It's a solution for three to five years.

嗯。去赚点钱吧。没错。别让自己太累。

Mhmm. Go make you some money. That's right. Get not tired.

没错。你会度过这个阶段重新回来，你依然是一位企业家，所以不要让那些怀疑的声音在你休息的时候占了上风。因为很多企业家拒绝做你正在做的事情：第一，你主动举手说，戴夫、肯，我需要一些帮助；第二，你接受了帮助并明白，这并不意味着你是个巨大的失败者，因为你并不是。你会暂停一下，并在这个暂停期间学习成长。

That's right. And you're gonna come back on the other side of this, and you're still an entrepreneur, so don't let the doubting voices, you know, kinda win the day here as you take a break. Because a lot of entrepreneurs refuse to do what you're actually doing, which is a) you raised your hand and said, Dave, Ken, I need some help, number one. Number two, you've taken it and said, Okay, it doesn't mean I'm a big giant failure, because you're not. And you're gonna pause, and you're gonna learn during the pause.

我认为当你回来时，你会更加成功。我为你感到非常兴奋。

And I think you come back, and you're way more successful. I'm very excited for you.

这并非故事的终点。这只是另一个篇章。是的，完全正确。凯莉，我不确定我们是否还有《E神话》的库存。

This is not this is not the end of the story. It's just another chapter. Yeah. Absolutely. Kelly, I don't know if we've got e myth in stock.

如果有的话，给她寄一本。如果没有，杰西卡，你就得自己买了，但我的意思是，有个叫亚马逊的东西。他们可能在我送到之前就已经把书放到你家门口了。不过迈克尔·格伯的《E神话》是一本简短的书。

If we do, send her one. If we don't, you'll have to get it yourself, Jessica, but, I mean, there's this thing called Amazon. They'll put one on your front porch before I can get it there anyway. But E Myth by Michael Gerber. It's a short book.

你会喜欢的，这是商业文献领域的经典之作，我会把我的《打造你热爱的事业》作为礼物寄给你，读一读并开始学习。但你要开始——我今年打算读12本关于小企业、经营小企业的商业书籍。是的，在你做其他事情的同时。

You'll like it, and it's a classic in the business literature realm, and we'll send you a copy of mine as a gift, building a business you love, and read it and begin to learn. But start start becoming I'm gonna read 12 business books on small business, running a small business this year Yep. While you're doing the other stuff

是的。

Yep.

并且关掉奈飞。

And turn off Netflix

是的。我还想补充一点。

Yep. And I'd add And

学习如何经营企业。

learn how to run a business.

我要再布置一项作业。在你附近肯定有人在这个领域做得很成功。

I'm gonna add one more homework assignment. There's gotta be somebody in your neck of the woods who's winning in this area.

没错。去向他们学习。

Yeah. Go learn from them.

就去请他们吃个午饭，像写读书报告那样请教他们。保持简单。就当是在为六年级作业研究他们的商业模式。你会惊讶于自己能学到多少东西。

And just go buy their lunch and just ask them, like a book report. Keep it simple. I think you're doing a sixth grade book report on their business. You'd be surprised what you'll learn.

是的，是的。要知道，如果时间允许进行深入指导的话，我觉得大概有四个关键点可以操作，能让你快速从24万做到50万。净利润很可能翻倍，因为可能只是些很简单的调整。回顾我做过的一些事时，我常想：天啊，就那么一个小改动，虽然看似愚蠢，却带来了百万美元的转变。

Yep. Yep. You could you know, I I would I would imagine there's about four levers if we had time to get into it and go in-depth coaching session that you could pull and go from 24 to 50 quick. You'd probably double the nets on this because there's probably just some stupid stuff. When I look back on some of the stuff I've done, I go, God, man, that one little thing, it was so stupid, and it changed a million dollars.

这真的很疯狂。你能做到的，你完全有这个能力。我听不出你有任何能力上的不足。我认为你没问题。我们都曾在金钱问题上犯过糊涂。

It's just nuts. You can do this, and you're very capable. I don't hear someone that's lacking in capability. I think you got it. We've all done dumb things with money.

我犯过的错后面可是带着好几个零呢。我看到人们最常犯的金钱错误之一就是没有规划。你必须要有计划，要有意识地管理，你需要制定预算。你必须告诉你的钱该去哪里，这样你就不会疑惑钱都花到哪儿去了。

I've done them with zeros on the end. One of the biggest mistakes I see people make with money is not having a plan for it. You got to have a plan. You got to be intentional, and you need to get a budget. You have to tell your money where to go so you're not wondering where it went.

我们的预算应用EveryDollar正是帮你实现这个目标的工具。这是最简单快捷的方式，为你每月进出的每一美元制定计划。现在就是开始的最佳时机，趁荒唐的节日消费季还没到来把你卷入漩涡，就因为你没有计划。别让这种情况发生。你已经受够犯这种错了。

Our budgeting app, EveryDollar, helps you do just that. It's the easiest and fastest way to make a monthly plan for every dollar you've got coming in and going out. Now's the best time to get started before the ridiculous holiday spending season gets here and sucks you in because you didn't have a plan. Don't let that happen. You're done making that mistake.

立即在App Store或Google Play免费下载每一美元。别只设定2026年的目标，要学会如何实现它们。2026年拉姆齐目标规划器现已推出，内含杰德、瑞秋和德洛尼提供的月度内容，帮助你在财务、信仰和人际关系方面保持正轨，并坚持完成目标。

Go download every dollar for free in the App Store or Google Play today. Well, don't just set goals for 2026. Learn how to reach them. The 2026 Ramsey goal planner is here. It's packed with monthly content from Jade, Rachel, and Deloney to help you stay on track with your money, faith, and relationships, and follow through on your goals.

我们每年都会提前售罄，所以别再等待了，否则你会错过的。现在以49.97美元的价格获取你的规划器。价格不菲，但这是我们为自己生产的最昂贵的产品之一，不过它确实很棒。我们完全放手让创意团队自由发挥，结果他们真的做到了。

We sell them out every year early, so don't wait around. You'll end up without one. Get yours at $49.97. That's a lot, but it's one of the most expensive products that we produce for us, But it is fabulous. We completely turned the creatives loose and said go play in your sandbox, and boy did they.

这是一款外观精美的产品，其设计和内部设计元素都非常出色。请访问ramseysolutions.com/store，2026年拉姆齐黄金规划器已上线，你也可以点击描述中的链接，我们会为你提供帮助。

It is a good looking product. The design the interior design elements are amazing. So ramseysolutions.com/store. The Ramsey Gold Planner for 2026 is here, and you can click the link in the description if you wanna go that way too. We'll help you out.

康涅狄格州的萨姆加入了我们。嘿，萨姆，你好吗？

Sam's with us in Connecticut. Hey, Sam. How are you?

我很好，你怎么样？

I'm good. How are you doing?

比我应得的要好。有什么可以帮你的？

Better than I deserve. How can I help?

所以我想听听你的建议，我和我妻子

So I wanted to get your advice. My wife and I

在投资债务方面，我们的风险承受能力非常不同，特别是涉及到我们目前居住的单户住宅，我想将其出租并另购一套住房

have a very different risk tolerance when it comes to investing in debt, specifically when it pertains to a single family home that we currently live in that I would like to rent and get a different home for

供我们居住，而且

us to live in, and

我妻子想卖掉它。她抱有完全无债一身轻的心态，但由于一些潜在变量，我们产生了分歧。我想逐步分析一下，听听您的看法。

my wife would like to sell it. She has the mentality of being completely debt free, and we're conflicted because of some of the the variables underneath. I wanted to kind of walk it through and see what you thought.

好的。你们有哪些潜在变量？

Okay. What are what are your underneath variables?

是的。对我来说，我手头的现金比抵押贷款欠款还多。我们在房子上拥有大约33万——抱歉是33万——33万美元的净值。

Yeah. So for me, I have more in cash on hand than I owe on the mortgage. We have about $330 300 and 330 I'm sorry. 330 k in equity on the house.

嗯。

Mhmm.

而我们目前唯一的债务是我妻子的学生贷款，她有3万美元的学生贷款，其中2万美元的利率约为5%到6%，1万美元的利率为3.5%或更低。

And the only debt that we currently have are my wife's student loans, which she has 30 ks in student loans, 20 k of that being at about five to 6% interest, 10 k at 3.5% or lower.

所以

So

我的想法是，我们两个人之间

my thought process was between the two of us, we

大约有19万美元的现金。

have about a 190 k in cash.

你的抵押贷款余额是多少？

What's your mortgage what's your mortgage balance?

抵押贷款余额，我们还剩下9.7万美元。是固定利率15年期，利率2.4%。

The mortgage balance, we have 97 k left on the mortgage. It's a fixed fifteen years at 2.4%.

好的。那你们的家庭收入是多少？

Okay. And what's your household income?

我们两个人的家庭税前收入是28.5万美元。

Household income between the two of us before taxes is $2.85.

好的。行。不错。为你高兴。嗯，干得漂亮。

Okay. Alright. Cool. Good for you. Well, well done.

你们俩多大了？

And how old are you two?

34岁。

34.

好的。行。那么你们说的变量就是这些底层因素，对吧？换句话说，这就是你们的故事，你们的财务故事，你们的数学故事。

Okay. Alright. And and so you're that that's the variables you were talking about, the underneath. Right? That in other words, that's your that's your story, your financial story, your math story.

是的。对我来说，我只是在想我们的房贷非常低。

Yes. For me, I'm just thinking we have a very low mortgage.

所以她的投票是：用现金买下一套房子，卖掉这套，然后用你们现有的现金今天就还清学生贷款。你的投票是保留出租房和学生贷款，因为利率低，保持杠杆状态。是的。

So her her her vote her vote is to pay cash for the next house and sell this one and pay off the student loans today out of the cash that you have. Your vote is keep the rental house and keep the student loans because they're low interest rate and stay leveraged. Yeah.

所以我说的是，我们还清5%或更高的那部分，就是那2万。3.5%的利率和我们能从高收益储蓄账户获得的差不多，很低。

So what I said was let's pay off the 5% or higher, the 20 k. The 3.5% is about the same as what we can get in a high yield savings. It's low.

好的。

Okay.

先放着吧。如果利率变化了，我们再还清。但我想保持杠杆继续赚钱，因为我的房贷利率大约是1

Leave them. If the rates change, then let's pay them off. But I would like to stay leveraged and make money on because my mortgage is about one

再说一次。告诉我，你们俩多大了来着？

One more time. Tell me tell me what how old you guys are again?

34岁。

34.

好的。抱歉。那么，萨姆，你是做什么工作的？

Okay. I'm sorry. And and what do you do for a living, Sam?

我在企业金融部门工作。

I work in corporate finance.

啊，好的。听起来就像。好的。很好。行。

Ah, okay. Sounded like it. Okay. Good. Alright.

你有金融学位吗？

Do you have a finance degree?

是的。

Yes.

有MBA学位吗？没有。好吧。行。酷。

Do have an MBA? No. Okay. Alright. Cool.

好吧。顺便说一下，我也有金融学位，并且专攻房地产，那是我成长的世界，也是杠杆之王，对吧？房地产。所以，显然，你们两个是聪明人，赚得很多，只要注意自己的行为，你们就会没事的。你们不在破产区或类似的情况。

Alright. So I've got a finance degree too, by the way, and with a specialization in real estate, that's the world I grew up in, which is the king of leverage, right? Real estate. So, Obviously, you two are smart people and you make really good money and you're going to be okay if you watch what you're doing. You're not in bankruptcy zone or anything like that.

你还记得大学时看案例研究吗？当我们做公司案例研究时，一家上市公司发行太多债券，他们发行了那么多债券，还背负着大量银行债务，我们视之为风险，我们会运行一个公式，降低股票价值，因为他们负债过多，那债务就等于风险。你还记得那些案例研究吗？

Do you remember looking at the case studies back in college when we used to do case studies on companies and when the bond a publicly traded company, when the bond they were putting out too many bonds, they were issuing so many bonds, and they were carrying a load of bank debt, that we looked at that as risk and we would run a formula and lower the value of the stock because they were carrying too much debt, that debt equaled risk. Do you remember those case studies?

大致上记得，是的。

At a high level, yeah.

是的，好吧。然后当我毕业后，我拿到了证券执照，在投资界销售房地产投资，当你比较一个波动性高的激进增长股票共同基金时，有一个指标，统计上衡量高波动性的叫做贝塔值。它是一个数学数字，波动性越大，贝塔值越高。明白吗？低波动性、平滑曲线对应低贝塔值，而高山低谷曲线对应高贝塔值。

Yeah, okay. And then when I got out of school, I got my securities license and I was selling investments in the real in the investment world, and there's a thing when you're comparing an aggressive growth stock mutual fund which has high volatility, and the measure statistically of the high volatility is called a beta. It's a math number that the more volatility, the higher the beta. Okay? And a low volatility, smooth curve versus a high mountain and valley curve is a low beta.

在那个世界里，我们被教导要做的，在复杂层面上，是说：好吧，我们将通过贝塔系数来调整风险。我们将使用贝塔系数作为数学方式来调整风险，因为你不能真正将一个20%回报率但高波动性的共同基金与一个11%回报率但低波动性的共同基金进行苹果对苹果的比较。你必须调整风险，而数学上，你这样做的方法是在一个反向数学公式中使用贝塔系数。这些听起来熟悉吗？

And what we were taught to do in that world, on a sophisticated level, was to say, Alright, we're going to adjust for risk by adjusting with the beta. We're going to use the beta as the mathematical way to adjust for risk, because you can't really compare a 20% rate of return high volatility mutual fund with an 11% rate of return low volatility mutual fund and compare them apples to apples. You have to adjust for risk, And mathematically, the way you do that is to use a beta in an inverse math formula. Does any of that sound familiar?

是的，有点熟悉。

Yeah. A little bit.

好的。那就是它的做法。所有这些晦涩难懂的学术讨论的要点是因为你从学术智识的角度来探讨这个问题，所以这就是我回答你问题的方式。关键在于，数学上，我们在商业中100%确定，并且在每个领域都得到了证明：更多的债务等于更多的风险。

Okay. That's that's how it's done. Point all of all of that gobbledygook academic talk was because you approach this from an academic intellectual viewpoint, and that so that's the way I'm approaching your question. The point being that mathematically, we are 100% sure in business, and it's proven in every area. More debt equals more risk.

句号。大量债务等于大量风险。没有债务等于几乎没有风险。所以风险与债务水平相关。你同意这一点吗？

Period. Lots of debt equals lots of risk. No debt equals almost no risk. So risk is associated with levels of debt. Would you agree with that?

是的。所以，比较你通过还清3%贷款而实现的无债务零风险，并说，不，我不想还清它，因为我要用那笔钱投资获得3%或4%的回报。声称你实际上在那笔交易中赚钱，但经过数学风险调整后，你并没有。

Yeah. So to compare your zero risk of being debt free by paying off the 3% loan and say, no, don't want to pay that off because I'm going to invest that money at 3%, to say that you're actually or 4%. To say that you're actually making money on that transaction, you're not after you mathematically adjust for risk.

你

Do you

明白了吗？

follow that?

我确实同意。是的。

I do. Yeah.

所以你最初的公式是大多数人使用的公式，但这是一个天真不成熟的公式，因为你在数学上没有将风险纳入讨论。这就是我要指出的。总而言之，债务和杠杆就等于风险。那么这在长期数据中是否得到验证呢？确实如此，因为我们采访了10,167位百万富翁时——我会寄给你一本《婴儿步百万富翁》的书，书后附有研究的白皮书，你可以仔细阅读——

So your initial formula is a formula most people use, but it's a naive unsophisticated formula because you're not mathematically including risk in the discussion. That's all I'm bringing up. So all of that to say debt and leverage equals risk. Now does that prove out in the data over long periods of time? Well, does, because when we interviewed 10,167 millionaires, and I'll send you a copy of the book Baby Steps Millionaires, which has the white paper of the research in the back of it, and you can go through it.

当我们采访10,000位百万富翁时，其中声称'我通过房屋贷款借款，或是不偿还低利率学生贷款并将差额用于投资而成为百万富翁'的人数，山姆，这个数字恰好是零。没有一个人是这样做的。他们都说了和你妻子一样的话。他们都说'我要摆脱债务，通过降低风险和增加现金流——因为我不需要偿还债务——我将用增加的现金流来积累财富，这种方式的可持续性非常高，因为我降低了风险系数'。这番长篇大论其实就想说：山姆，你妻子是对的。

When we interviewed 10,000 millionaires, the number of them that said, I became a millionaire by borrowing money on my house or not paying off a student loan at a low interest rate and investing the difference, the number of people that said that caused me to become a millionaire, Sam, it was precisely zero. None of them did it. They all said what your wife said. They all said I'm getting out of debt, and with the lowered risk and the increased cash flow, because I don't have debt payments, I'm gonna use the increased cash flow to build wealth, and the sustainability of this is very high because I've lowered my risk quotients. And this is a real fancy long diatribe to say, Sam, your wife's right.

确实如此。

It's true.

是的。她是对的。抱歉兄弟，你会输的。

Yeah. She's right. Sorry, bud. You'll lose.

再说一次

And again

如果我是你，我会卖掉你的房子，今天就还清你的学生贷款。然后用现金另买一套房子，亲吻我的妻子并对她说：感谢上帝，我娶了一个好女人。是的。这太真实了。

If I woke up in your shoes, I'd sell your house, and I'd pay off your student loans today. And I'd buy me another house with cash, and I'd kiss my wife on the lips and say, thank you Jesus, I married a good woman. Yeah. That's so true.

是啊，因为那19万现金哦，你是

Yeah, because the 190 k cash Oh, you're

处于如此有利的位置。你已经做对了这么多事情，而这几乎是一个深奥的哲学争论。它其实并不是什么大事，但你必须想明白这一点，因为问题在于你会进行推断，你会放大你在这里的任何价值体系。所以，如果你的价值体系是山姆那样的，并且你打算继续借钱投入其中，我刚才列出的所有那些糟糕情况——那都是真的——最终会把你拖垮。

in such a good position. You've done so many things right, and this is almost a esoteric, philosophical argument. It's really not really a big but but you've got to work this through, because the problem is you're going to extrapolate, you're going to magnify whatever your value system is here. So if your value system is Sam's and you're going to continue to borrow money into it, all of that crap I just laid out there that's all true is going to take you down eventually.

没错。因为你会一直这样做下去。

That's right. Because you'll keep doing it.

而如果你走她的路，也就是祖母的方式，它可能不像金融专业出身的人做得那么‘高级’，但在技术上实际上更为复杂。这不是很有趣吗？是的。那样你最终会得到一个高可持续性、高现金流、低风险的环境，而这与风险承受能力无关，关键在于最终什么才是有效的。

And if you go her way, which is grandma's way, it doesn't feel as sophisticated doing a finance major, but is actually technically more sophisticated. Isn't that interesting? Yeah. Then you end up with a high sustainability, high cash flow, low risk environment, and it's not risk tolerance, it's about what works in the end.

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以利亚在俄克拉荷马州。嗨，以利亚。你好吗？

Elijah is in Oklahoma. Hi, Elijah. How are you?

我很好。你们怎么样？

I'm good. How are you guys?

比我们应得的要好。先生，有什么事吗？

Better than we deserve. What's up, sir?

嘿。我和我妻子不久前决定开始实施婴儿步骤计划。我们现在还在第一步，决定开始的时间还不长。但今天打电话是因为我们大约一年前确实租了一辆车。

Hey. So me and my wife, not too long decided to go ahead and start doing the baby steps. We're still on baby step one. It hasn't been that long since we decided. But the reason I was calling today is because we did lease a car about a year ago.

我收听您的节目有一段时间了，我知道租车是不对的，但我们确实这么做了。而且，我们现在倒欠大约1万美元，所以处境有点棘手。我打电话来是想问问，我是应该继续租完这个租期，等到期后再想办法，还是在此期间有什么办法能让我们处境好一些。

I've been listening to you for a little while, and I know that's a no no, but we did do it. And, we're upside down on it about $10,000, and so we're kind of in a pickle. And I was just calling you guys to see if I should just ride the lease out and and, you know, see how you know, figure it out when it ends or if if there's something I can do in the meantime to kinda get us in a better position.

好的。是什么车？

Okay. What kind of car is it?

是一辆2025款雪佛兰Equinox。

It's a 2025 Chevy Equinox.

好的。租期是多长？

Okay. How long is the lease?

我相信是三年。所以到十月份就满一年了，所以我们还有几年时间。

I believe it's three years. So coming up October will be one year, so we'll still have a couple years on it.

那你每个月的付款是多少？

And how much is your monthly payment?

6.45美元。

$6.45.

好的。所以用14000来还清租约是合适的。50 15。

K. So it's good to take 14,000 to ride the lease up. 50 15.

是的。已经解决了。15。是的。差不多吧。

Yeah. It's settled off. 15. Yeah. Give or take.

是的。

Yeah.

好的。我不确定。我希望你重新核对一下你那10000美元亏损的数字。一年后这个数字听起来不对。

And okay. I'm not sure. I want you to double check your numbers on the $10,000 upside down. That sounds wrong after one year.

好的。嗯，我之前还有另一辆租赁的车，而且，我知道我不该这么做的。

Okay. Well, we had I had another vehicle that I had leased previously, and, again, I know it shouldn't have done it.

你把负资产转到了这辆车上

You rolled you rolled the negative into this

吗？从我的资产里。是的。

one? From my estate. Yep.

好的。那你打电话时，你是打电话去问结清金额的吗？他们给你提前买断的金额了吗

Okay. So when you called did you call you called to get a payoff. Did they give you the early buyout number

关于

on

租赁的，还是租赁的总金额？

the lease or the total number on the lease?

我相信是总金额。好的。我没问。

I believe it was the total number. K. I didn't ask.

他们刚刚告诉你可以提前买断。如果我今天给你开张支票付清车款并拥有它，今天的金额是多少？因为根据你给我的数字，我觉得那会低于10,000美元。

They just told You early buyout. Need If I wrote you a check today to pay the car off and own it, what is the number today? Because I think that's gonna be less than 10,000 with the numbers you're giving me.

好的。

Okay.

可能不是，但也有可能。好吗？这是我想做的第一件事。好了，事情是这样的。

Might not be, but it could be. Okay? That's the first thing I wanna do. Alright. So here's the thing.

我们知道如果你写一张15,000美元的支票，你可以开这辆车两年。

We know if you write a check for $15,000 you can drive the car for two years.

嗯哼。

Uh-huh.

这是你今天的数字。我们知道那个数字。好吗？64524。好吗？

That's your numbers today. We know that number. Okay? 64524. Okay?

所以我们知道那将会带我们到那里。现在，那就是我们最坏的情况，然后你在最后归还它

And so we know that's where that's going to take us. Now and so that's our worst case scenario, and then you turn it in at the end of

租约。

the lease.

就像你说的，把租约履行完。好吗？这是最坏的情况。现在，如果我们卖掉车，为此需要开一张1万美元的支票，那我们本可以多开两年车，只多花5000美元。

Like you said, ride the lease out. Okay? That's our worst case. Now, if we sell the car, and in order to sell the car we have to write a $10,000 check, then we could have driven the car for two more years for only $5,000 difference.

好的。

Okay.

如果是那样的话，我可能会把租约履行完。所以如果你的1万这个数字是对的，我会继续履行租约，因为相比支付1万5获得车的完全使用权，你这样做并没有获得足够的好处。

I'd probably ride the lease out if that's the case. So if your 10 number is correct, I'm gonna ride the lease out because you're not making enough headway on this versus you get the full use of the car if you pay the 15.

是的。

Yeah.

如果我只需要开一张1万的支票，我就失去了两年用车权。所以实际上，我相当于用差价——在这个情况下是5000——获得了车的使用权。现在我觉得你会发现实际数字会更低。假设是7000吧。如果你能用7000摆脱租约，我会这样做吗？

If I only if I write a check for 10, I don't have the car for two years. And so, really, I get the use of the car for the difference, which is 5 in that scenario. Now I think you're gonna find it to be less. Let's call it 7. And if you could get out of it for 7, would I get out of it?

会的，我可能会。这相当于十个月的月供，然后我就不用支付剩下几个月的款项了。所以是的，如果你能用7000或更少的钱摆脱租约，我可能会开支票或者从信用合作社借7000块钱来摆脱它。但我不知道你之前转入了多少负资产，也不知道你得到的是哪些数字。当然，你还得把这个和车的实际价值进行比较。

Yeah. I probably would. That's like ten months payments, and then I'm free from the other month's payments. So yeah, if you could get out of it for 7 or anything less, I'm probably gonna write a check and get out of it or borrow the money, the 7,000 at the credit union and get out of But I don't know how much negative equity you rolled, and I don't know which numbers you're you're getting. And, of course, you gotta compare this to the actual value of the car.

你是如何评估这辆车的价值的？

How did you value the car?

嗯，我联系了一些经销商，并提供了所有信息，然后他们

Well, I had I'd called some dealerships and and gave them all the information, and they

他们告诉了你他们愿意支付的价格。

they They told you what they would pay for it.

六千。哦，是的。是的，没错。

Six. Oh, yeah. Yeah. Exactly.

看，那是批发价。你可以把这辆Equinox卖给个人买家。

See, that's that's the wholesale number. You could sell the Equinox to an individual.

是的。

Yes.

是的。如果你那样做，差价是七千还是五千？是的。很可能。因为你得到的是批发价。

Yeah. And if you did that, is it 7 or is it 5 difference? Yeah. Probably. Because that that's a wholesale number you got.

所以，要弄清楚你的实际数字，首先要做的是打电话给财务部门。就是你付款本上的那个+1 800号码，或者付款网站上的号码，跟他们说，我需要提前买断。如果我今天开支票，今天的结清金额是多少？我需要那个数字。我觉得应该不到一万。

So the second so first thing you gotta do to figure out your real numbers is you gotta call the finance department. That's your +1 800 number on your payment book, okay, or on your website for payments, and talk to them and say, I need the early buyout. If I write a check today, what's the payoff today? I need that number. I think it's less than ten.

明白吗？然后第二个数字，你需要去凯利蓝皮书kbb.com，或者埃德蒙兹汽车指南，随便哪个都行，查一下你车的私人销售价值，不是置换价值。因为以利亚，经销商从你这里买车是为了转手赚钱。如果他们花2万买那辆车，就意味着他们打算卖2万5。

Okay? Then the second number, you need to go to kelly blue book, kbb.com, or Edmunds Car Guide, either one, and look up the private sale value of your car, not the trade in value. Because when a dealer buys a car from you, Elijah, they buy it to resell at a profit. Okay. And so if they buy that car for 20, that means they plan to sell it for 25.

好的，明白了。

Okay. Gotcha.

如果是那样的话，你本可以以2万3的价格卖给个人。这大概就是你的差价，像那辆Equinox的情况，差不多就在那个范围内。

You could have sold it to an individual for 23, if that's the case. And that's a that's a you know, that's probably your difference, something like that with that Equinox, somewhere in there.

是的。我坐在这里听这个，这提醒我们不要被当时的决定所困。这里面有情感因素，因为这是一个年轻人在说，伙计，我们搞砸了，现在你得努力解决这个问题。祝你好运。是的。

Yeah. I I'm sitting here listening to this, and and, you know, it's just a a reminder to not get sucked into whatever the decision was. There's an emotion there because here's a young guy who's going, man, we messed up, and now you gotta try to wade through this. Good luck. Yeah.

当你阐述这些时，我真的感到同情。这种情感拉扯很强。它当时看起来像是个好主意，最不济的想法。但当你真正陷入其中，胃里或胸口那种沉甸甸的感觉，每月600多？我记得我写的是645美元的月供。

And as as you were laying this out, I just I feel legit compassion. And there is such an emotional pull. It seems like such a good idea, the least idea. And then when you actually get stuck with it and the pit in your stomach or your chest of that 600 and what? I think I wrote $645 a month payment.

是啊，那可真不少。

Yeah. That's a lot.

这这确实是个大问题。现在他没什么选择余地了，因为我不觉得——我是说，我很希望他能试着在公开市场上卖给某个人，但如今的经济形势下没多少人会想要2025款雪佛兰Equinox。你可以试试，但可能只能硬着头皮承担损失了。

That's that's a heavyweight. And now he doesn't have a ton of options because I don't I mean, I'd love for him to try to sell it on on the open market to somebody, but not a lot of people in today's economy are looking for a 2025 Chevy Equinox. You try it, but you may have to just bite the bullet on this.

有个叫以利亚的人买了一辆。对。没错。确实有人买。但他是租的。

There's a guy named Elijah that bought one. Yeah. That's right. With the Somebody buying them. But, yeah, he leased it.

对吧？我觉得你提出了一个很好的观点：当你对购买某物感到兴奋，或者处于看似绝望的境地时，在这两种情况下都需要按下暂停键，等一晚上再决定。肯，你提出的这个视角非常聪明——我们可以这样看问题：好吧

Right? You know, I think you bring up a good point too that when you're excited about buying something or you're in what feels like a desperate situation and you're buying something, you need to push pause in both cases and wait overnight. And here's the lens I think, Ken, you're bringing up that's very smart. Here's the lens to look at it. Say, alright.

十年后看这会是个好决定吗？如果我26岁，36岁的我会不会对26岁这个决定暴跳如雷？

Is this a good decision ten years from now? Yeah. If I'm 26 years old, will the 36 year old version of me be pissed at That's the 26 year great old

这个角度看问题很好。

way of looking at it.

如果36岁的我会回头说'我要掐死你这个小混蛋'——因为你只是冲动兴奋，喜欢新车皮革味这些东西，结果被套牢了；或者你其实在害怕根本没必要担心的事，表现得像天要塌了似的。这就是当你拉开时间维度，展望十年、十五年、三十年后，视角带给你的清醒。我们发现——我三十多年前刚做这个节目时就看到研究：富人做决策时会问'这对未来十到三十年的我有什么影响？'；中产阶级问'这对三年后的我有什么影响？'

If that 36 year old version of me is gonna look back and go, I'm gonna choke you, you little, you know, because you're just being impulsive and excited and you like that new car leather smell, all that stuff, and you know, you got stuck in it, or you're feeling scared and you're scared about nothing. You're acting like this is a big deal, it's not a big deal. And that's what perspective gives you when you pan back and you say out there ten years, fifteen years, thirty years. One of the things we found, I found this study like, god man, when I first started on this show, like thirty something years ago, that wealthy people, when you talk to them and interview them, their planning window, when they're when they're getting ready to do something, they ask themselves, How's this going to affect me ten or twenty or thirty years from now? Middle class people say, How's this going to affect me three years from now?

穷人则说：谢天谢地终于周五了。

Poor people say, Thank God it's Friday.

没错。没错。

That's right. That's right.

天哪，又是星期一。

Oh God, it's Monday.

是的，没错。

Yeah, that's right.

齐格·齐格勒曾说过，穷人拥有大电视，富人拥有大书房。

And Zig Ziglar used to say, Poor people have big TVs. Rich people have big libraries.

嗯哼。

Mhmm.

明白吗？所以这是一种长远思维，不要像穷人那样思考。是的。如果你想成为富人，就开始像富人一样思考，在美国你就能成为富人。

You know? So it's a long term thinking thing, and so don't think like poor people. Yep. And if you wanna be rich people, start thinking like rich people, and you'll become rich people in America.

对。顺便说一句，有个建议。在戴夫推荐的24小时冷静期内，实际上回家算一下每月645美元的分期付款会对你的开支造成什么影响。很多人不会这么做。他们直接就买车了，对吧？

Right. By the way, here's a notion. In the twenty four hour pause that Dave recommended, actually go home and run the numbers on what a $645 a month payment is gonna do to your expenses. A lot of people don't do that. They're on the car Right?

而且有一种负面情绪或兴奋情绪驱使他们去了汽车销售点。他们找到了销售员。所有这一切，当他们坐进车里、驾驶它时，内啡肽都在爆发，他们想知道这会是什么感觉。我会看起来怎么样？但没有人坐下来想，每月645美元会是什么感觉？

And there's a negative emotion or an excited emotion that drove them to the car lot. They got a salesperson. All the things, endorphins are exploding when they sit in the car, when they drive it, and they wonder what it's gonna feel like. What am I gonna look like? And nobody sits there and goes, What's $645 a month gonna feel like?

是啊，有多少次有人每月加薪500美元，却用一笔新的每月750美元的分期付款来庆祝。

Yeah, well the number of times somebody gets a $500 a month raise and celebrates it with a new $750 a month payment.

没错，说得好。我们这是在做什么呢，各位？

Yeah, that's a great point. Are we doing here, folks?

完全是一回事，没错。它完全符合所有这些情况。重点是，以利亚，你不是唯一一个。我们大多数人都做过你做的这种傻事。是的。

It's the same exact thing, yeah. It falls into all of that. And point being, Elijah, you're not the only one. Most of us have done this dumb thing you did. Yeah.

我们爱你。我们为你扭转局面感到骄傲。拿到那两个数字，实际的私人销售价值和提前买断价，将它们与保留这辆车所需的15,000美元进行比较，然后问问自己，获得自由值得吗？如果你只能节省一千或两千美元，那就把租期开完。如果你能节省15,000或10,000美元，那就今天处理掉它。

We love you. We're proud of you for turning it around. Get those two numbers, the actual private sale value and the early buyout, compare those to the $15,000 number to keep the car, and then ask yourself, is it worth it to be set free? If you're only going to save a thousand dollars or $2,000, drive the thing through the lease. If you're going to save $15,000 or $10,000 then get rid of it today.

我们今天的经文，箴言第四章第十八和十九节：‘义人的路好像黎明的光，越照越明，直到日午。恶人的道好像幽暗，自己不知因什么跌倒。’西奥多·罗斯福说过：‘知道什么是对的并不意味着什么，除非你做对的事。’萨拉在大急流城与我们连线。

Our scripture of the day, Proverbs four eighteen and nineteen, but the path of the just is like the shining sun that shines ever brighter into the perfect day. The way of the wicked is like darkness. They do not know what makes them stumble. Theodore Roosevelt said, knowing what's right doesn't mean much unless you do what's right. Sarah is with us in Grand Rapids.

嘿，怎么了？

Hey, What's up?

嗨，戴夫。我想感谢你每天陪我散步。我一边散步一边听祷告。所以谢谢你。

Hi, Dave. I want to thank you for walking with me every day. Listen to on my walks and I pray. So thank you.

我知道我是在锻炼身体。

I knew I was getting some exercise.

我没有债务，但我的收入大约是55,000美元。我只是在想，什么时候我该帮女儿买辆车，或者给家里换窗户，或者去度个假？

I am gut free, but I make about 55,000. And I'm just wondering at what point can I should I help my daughter buy a car or purchase windows for my house or go on a vacation?

当你有钱的时候。

When you have the money.

是啊。是啊。所以这就是

Yeah. Yeah. So that's

我正在尝试

what I'm trying

弄清楚的事情。我觉得按照你的说法，我可能还需要多存点钱。所以

to figure out. I think according to you, I probably need to save more. So

嗯，我我不知道。我是说，我不确定为什么我在你散步时告诉你的那些话，但确实如此。

Well, I I don't know. I mean, I don't know why what I told you on your walk, but yeah.

是的。给我们描述一下

Yeah. Give us a picture

那个情况。我的意思是，你没有债务。你有一个3到6个月开支的应急基金。对吧？

of it. I mean, you're debt free. You have an emergency fund of 3 to 6 months of expenses. Right?

我大概有12,000。是的。

I have about 12,000. Yeah.

那是3到6个月的开支吗？

Is that three to six months of expenses?

是的。那可能处于那个范围的低端。是的。

Yeah. That's probably the lower end of that. Yeah.

好的。那么你我们已经有了应急基金。那你还有比那更多的存款吗？没有。

Alright. Then you we have an emergency fund in place. And then do you have any more money saved than that? No.

不，没什么。

No. Not much.

不。当你存了钱，你就买窗户。或者当你存了钱，我们给女儿买辆车。顺便说一句，让女儿工作也没什么不好，也许她付一半的车钱。也许你出一点力，或者你出一两千美元。

No. When you have money saved, you buy windows. Or when you have money saved, we buy daughter a car. By the way, it won't hurt for daughter to be working and, you know, maybe she pays for half of this car. Maybe you put in a little help or you put in a thousand $2,000.

她出一两千美元，就能得到一辆小破车给她开开，对吧？

She puts in a thousand, $2,000 car, get gives her a little teenage hoopty. Right?

对。嗯，是的。那完全是另一回事了，但没错。

Right. Well, yeah. There yeah. That's a whole issue, but yes.

为什么这是个问题？

Why is that an issue?

嗯，在我经历其中一次离婚时，我的前夫承诺给我两个女儿各买一辆车。好吧，那是他的问题。所以我给了我一个女儿一辆车，但我让她付了一半的钱。但我把那笔钱给了另一个女儿。所以我想，如果那个女儿争气，她还没买车。

Well, I gave when I went through one of my divorces, my ex husband promised both my daughters a car. Well, that's his problem. So I I gave one of my daughters a car, but I made her pay half. But I gave that money to the other daughter. So I think then if that daughter worth and she hasn't bought a car.

所以我现在还得开车接送她往返安娜堡的学校。所以开车很多，而且我自己也有四十五分钟的通勤路程。

So and I'm driving her back and forth to school in Ann Arbor. So it's a lot of driving, and and I have a forty five minute commute as well.

你给了

You gave

她现金买车，但她没用来买车。

her cash for a car, and she didn't use it for a car.

嗯，她还有现金，只是存起来了。所以

Well, she still has the cash, but she just is saving it. So

她有多少钱？

How much money does she have?

她有大约6000美元。

She has she has about $6,000.

那就告诉她赶紧去买辆车吧。

Well, tell her just go buy a dadgum car.

但我只给了她2000美元。

But I only gave her 2,000.

所以那没问题。她可以去买车。问题是什么？你的前夫与此事无关。这就是我们叫他麦克斯的原因。

So That's fine. She can go buy a car. What's the problem? Your ex husband had nothing to do with this. That's why we call him Max.

是的。但我让另一个女儿支付了那辆车价值的一半，我让她付了一半的钱。

Yeah. But I but I gave the other daughter half the I made her pay half the value of that car.

嗯，那又怎样？你根本没钱。

Well, so what? You don't have any money.

好吧。

Okay.

六千美元的女儿？就买辆六千美元的车。另一个女儿？离婚时就是这么处理的。如果你前夫想出点钱，那没问题，但你根本没钱。

$6,000 daughter? Get a $6,000 car. Other daughter? That's the way it went down in the divorce. If your ex husband wants to put some money in, that's fine, but you don't have any money.

不。而且你不需要为一个银行里有六千美元的孩子通勤，还开车跑遍大半个埃及那么远。安娜堡离大急流城很远。这太疯狂了。

No. And you don't need to be commuting for a kid that's got $6,000 in the bank, and you're driving around half of Egypt up there. Ann Arbor's a long way from Grand Rapids. That's insanity.

我知道。

I know.

让那孩子赶紧上车。告诉她起床起床起床，自己开车过去。莎拉，我觉得你得去

Get that kid's butt in a car. Tell her to be up at get get get up and drive herself down there. Sarah, I think you gotta get to

意识到你总会在某个时刻让女儿失望。当失望确有实据时，就像戴夫说的，你必须坦然接受。你现在似乎陷入了一个疯狂循环，试图取悦所有人，让每个人都开心，可你连给房子装窗户的钱都不够。

a point where you realize you are going to disappoint your daughter at some point. And when we have real reasons for the disappointment, like Dave's saying, you're just gonna have to own that. You're it feels like you're in this crazy cycle right now, trying to please, trying to make everybody happy, and you don't have enough money to get windows in your house.

没错。

Right.

是的。所以开始主动些。这次通话我会全力帮你。这甚至比我们散步聊天还有效。好吗？

Yeah. So start taking some initiative. I'm gonna help you a whole bunch in this one call. This is even better than our walk. Okay?

那么这次通话。准备好了吗？告诉你女儿自己去买车，因为你不再接送她了，我会帮你一起去选车。好了，这一件解决了。

So here here the one call. You ready? Tell your daughter to go buy a car because you're not driving her anymore, and you I'll help you go pick out a car. Okay. That now that one's done.

让我告诉你你刚刚赢回了什么。每天两小时，你

And let me tell you what what you just got back. Two hours a day, you

刚刚赢回了。还有所有的油钱？

just got back. And all the gas?

还有所有的油费。这会帮你省下一大笔钱来换窗户。嗯。是的。这简直就是个奇迹。

And all the gas. And that's gonna help you save up a lot of money for your windows. Mhmm. Yeah. This is just miracle right here.

太棒了。奇迹。真高兴你打了电话来。

Amazing. Miracle. I'm so glad you called.

而且既然你不用再开车跑遍密歇根了，我们还为你找到了一些加班机会或第二份工作的机会。

And we also found you some overtime opportunities or second job opportunity now that you're not driving all over Michigan.

既然你不用再开优步接送那个有钱自己买车的孩子了。是的。

Now that you're not Ubering a kid that has the money to buy her own car. Yeah.

哇。我喜欢在我正确的时候让我的孩子们失望。你知道吗？当我正确或者合乎常理时，就像，是的，我现在正在让你失望。

Wow. I love to disappoint my kids when I'm right. You know? I like you know, when I'm right or it makes common sense, it's like, yeah, I'm disappointing you right now.

我以前经常告诉他们，听着。你总得有点事情在你30岁时告诉你的治疗师。所以我们现在就先把这个给覆盖了。好吗？

I used tell them all the time, like, look. You gotta have something to tell your therapist when you're 30. So we're just gonna go ahead and cover that now. Okay?

得了吧。

Come on.

每个人都需要挣扎。每个人都需要挣扎。每个人都需要一些爸爸问题，所以我现在就给你一些爸爸问题。哦，太疯狂了。不是吧。

Everybody needs a struggle. Everybody needs a struggle. Everybody needs some some dad issues, so I'm gonna give you some dad issues right now. Oh, that's crazy. Is no.

不行。不行。让我来帮你解决这个。我要打开那个大大的'不行'盒子。所以

Nope. Nope. Let me give let me help you with that. I'm gonna open out the big box of nope. So