正常即是破产——别做普通人！

这就是我面临重大抉择的地方

That's where my big decision is

现在。所以我几乎会选择方案C，迈克尔，因为如果你将收入的15%投入退休金，那么下一步除了其他投资外就是还清房贷。所以我几乎要动摇了。你们房贷还剩多少？

right now. So I I almost would do option c, Michael, because if you're funding 15% of your income into retirement, the next step beyond any other investing is to pay off the house. So I almost would be tempted. How much do you guys have left on your mortgage?

260,000。好的。

260,000. Okay.

是的。意思是2.8，它是

Yeah. Mean It's a 2.8 it's

2.85的利率。

a 2.85 rate.

好的。是的。再次强调，利率并不真正适用于我们讨论数学时的内容，它更多是关于行为改变，寻找内心的平静。我们的另一位主持人约翰·德洛尼医生常说，我们追求的是心灵的安宁。我们发现，当人们彻底无债时，那是在财务上最平静的状态之一，相比之下，高压力、高财务压力下还要应付账单和维持一切则截然不同。

Okay. Yes. Again, the interest rates don't really apply to what we talk when we talk about math, it is so behavior change, finding peace. Doctor John Deloney, one of our other hosts, he always says we're solving for peace. And we find when people are completely debt free, that is one of the most peaceful places you can be financially versus high stress, high financial stress with trying to pay bills and keep up with everything.

所以，迈克尔，你可以自由支配剩下的那30,000。如果你想开个经纪账户什么的，是的，那样做不会有坏处。但从技术上讲，下一步应该是把任何额外的钱都用来还房贷。不过，考虑到裁员这种特殊情况，如果你想感觉更安全些，当然可以。

So you could do what you want with that 30,000, Michael, that's left. You if you if you wanna open up a brokerage account or something, yes, that is not gonna that's not gonna hurt. But the next step technically would be Yeah. To throw anything extra at the house. But but because there is this, you know, again, kind of weird thing with the layoff, if you wanna feel extra safe, can.

但我觉得你不需要额外的缓冲，毕竟你已经有六个月的应急基金，而且还在领薪水。

But I don't feel like you have to have extra padding, you know, when you have a six month emergency fund, and you're still getting paid.

是的。你还在领薪水。确实。我有一部分想法可能会等到这场风波过去。虽然因为有钱在手，这算不上最糟糕的风波。

Yeah. You're still getting paid. Yeah. There's part of me that might wait until this it's a storm. It's not the stormiest of storms because of the money.

是的。我有一部分想法是，可能会等到你找到下一份工作。如果真的找到了，那真是天赐良机，因为你既能拿到遣散费又有新工作的收入，这样你就能好好利用这3万美元了。比如，那时你完全可以大幅偿还房贷，加速还清。是否等到找到下一份工作，这完全取决于你。

Yeah. There's part of me that might wait until you land that next job. And then if you do, I mean, what a blessing because you'd be getting the severance plus to pay from your new job, then you'd have something to do with this 30,000. Like, you could really do some major damage on your mortgage at that point as far as paying it off. Whether or not you wait until you secure the next job is really up to you

嗯。

Mhmm.

以及你和你妻子在财务安全感方面的考虑。

And how you and your wife feel about it security wise.

太棒了。好的。那个，很感谢你的建议，希望你们未来一切顺利。

Awesome. Alright. Well, you know, appreciate I appreciate the advice and, you know, hopefully good good luck moving forward.

当然，迈克尔。虽然对你失业感到遗憾，但很欣慰你们的经济状况还不错。你们的储蓄做得很好，而且那份遣散费确实帮了大忙。

Absolutely, Michael. Well, I'm sorry about the job loss, but I'm I'm thankful you guys are in the position you are. You guys have done a great job saving and yeah. And again, that severance is so helpful.

瑞秋，我们花点时间聊聊这个吧，我能感觉到你开始有些沮丧——不是沮丧，但像是...

Rachel, let's just take a moment and talk about it because I could tell you're getting frustrated not frustrated, but like

利率？是说利率吗？

The interest rate? The interest rate.

让我们来谈谈这个问题，因为人们总是纠结于‘我有这笔债务，但利率很优惠’。所以在他们心里某个角落，他们觉得可以一直拖着，因为2.2%的利率嘛，你知道的，这没什么大不了的。

And and let's talk about that because people get so hung up on, I've got this debt, but the interest rate is good. So therefore, somewhere in their mind, they think they can just string it along because Yeah. Is that 2.2%? You know? That is not a big deal.

不，这很严重。债务就是风险，无论如何粉饰。如果你背负债务，就意味着你的人生伴随着风险。即使利率较低，实际上在很多方面更危险，因为你更可能长期放任它存在于生活中。

Yeah. It is a big deal. Debt is risk no matter how you slice it. If you are tied to debt, that means you have risk associated with your life. And even if the interest rate is lower, it's actually in many ways more dangerous because you're more, likely to leave it around and keep it in your life for longer.

所以大家要记住这一点。

So just remember, guys.

没错，这就是债务的实质。这也是难点所在——比如关于是否提前还清房贷的问题，人们还剩6万美元贷款，却有7万非退休投资金时就会犹豫。

Yes. That is debt. And that is the hard thing because I think, you know, even the question with paying off the house, you know, people Right. You know, they have $60,000 left in the mortgage, and they have 70,000 in in nonretirement investments. And they're like, wait.

他们会说‘你要我现在还清房贷？可我去年投资收益高达20%，而房贷利率才3%啊’。

You want me to just pay off my house? But I'm making up to, like, 20% this last year, you know, and my mortgage is the old interest rate of 3%.

对。

Right.

这样算下来能有17%的利差。所以人们会精打细算。再说一次，我们不是傻子，完全理解这种想法。

I could be making a 17% spread. And so the calculations come into place. And, again, we're not dumb. We get that. Totally get that.

从数学角度讲这很合理。但永远无法计算的是围绕金钱的情感因素，正是这些情感因素构成了金钱的阴影面。金钱带来的情感波动，金钱引发的压力

That makes sense mathematically. But what is never calculated, again, is the emotions around money, which is what what shades yeah. The emotions around money, the stress around money

嗯哼。

Mhmm.

以及它带给你的内心平静。所以我们可以整天玩数字游戏，但这也是为什么我们建议先还清最小债务而非最高利率债务的原因。这不是数学问题。个人理财的核心在于行为模式，而非理论知识。

The peace that you have around it. And so so we can play the math game all day long, but that's even one reason we talk about you pay off the smallest debt first, not the highest interest rate. Like, it's not a math problem. Majority of personal finance is your behavior. It's not the head knowledge.

不在于Excel表格。不在于试图计算哪个利率对你最有利——况且这也没那么糟。债务就是债务。正如你所说，《箴言》中写道：借债人是债主的奴仆。所以无债一身轻的感觉真的很自由，各位。

It's not the Excel sheets. It's not trying to form the interest rate that's what's best for you, and it's not that bad. Debt is debt. So to your point, the borrower is slaves to the lender, when it says in Proverbs. So there's something freeing about being debt free, you guys.

所以，迈克尔确实有个很好的起点。是的，我为他感到兴奋。我认为这是个崭新的转变，美好的季节。没错。

So, again, Michael, he has a great head start. I'm, yeah, I'm excited for him. I think it's a new change, good season. Yes.

所以说这是

So it's

并非危机。这只是个小小的不便。

not a crisis. This is just an inconvenience.

如果你听我说话超过五分钟，就会知道在金钱上随大流不是好事，因为随大流意味着破产。而我希望你与众不同。这就是为什么我喜欢我们与Fairwinds信用合作社的合作。Fairwinds的朋友们刚刚推出了全新的Ramsey借记卡，上面写着：负债是常态。做个特立独行的人吧。

If you've listened to me for more than five minutes, you know that being normal with your money is not a good thing because normal is broke. And I want you to be weird. That's why I love what we're doing with Fairwinds Credit Union. Our friends at Fairwinds just launched a brand new Ramsey debit card, and it says, debt is normal. Be weird.

就在卡片正面。我太喜欢这个设计了。因为每次刷卡时，你都在选择一种没有信用卡还款和债务的全新生活方式。多年来，Fairwinds一直在帮助像你这样的人更快摆脱债务并积累财富。他们不会像大银行那样硬塞给你信用卡或汽车贷款。

Right on the front. I love that. Because every time you swipe it, you're choosing to live differently with no credit card payments and no debt. You see, Fairwinds has been helping people like you ditch debt faster and build wealth for years. They're not trying to shove credit cards or auto loans in your face like the big banks do.

他们还与我们合作推出了面向Ramsey粉丝的智能套装，包含免手续费支票账户、高收益储蓄账户（助你快速积累应急资金），以及现在这款能帮你专注执行'婴儿学步'理财计划的Ramsey借记卡。我们期待你尝试这套服务。今天就访问fairwinds.org/ramsay了解详情。网址是fairwinds.org/ramsay。

And they've worked with us to create the Smart Bundle for Ramsey fans. It includes a no fee checking account, a high yield savings account to supercharge your emergency fund, and now the Ramsey debit card to help you stay focused on the baby steps. We're excited for you to try it. So check them out today at fairwinds.org/ramsay. That's fairwinds.org/ramsay.

由NCUA提供保险。

Insured by the NCUA.

随大流终将破产，而常识反而成了异类。我们在此帮助你改变人生。这里是Ramsey电台，来自Fairwinds信用合作社演播室的Ramsey网络。我是今日主持人Rachel Cruz，与Jade Warshaw共同接听您的来电，号码是(888)825-5225。首先接通的是明尼阿波利斯的Jeff。

Normal is broke and common sense is weird. So we're here to help you transform your life. From the Ramsey Network in the Fairwinds Credit Union studio, this is the Ramsey Show. And I'm Rachel Cruz hosting today with Jade Warshaw, and we're taking your calls at (888) 825-5225. Up first, we have Jeff in Minneapolis.

你好Jeff，欢迎来到节目。

Hi, Jeff. Welcome to the show.

嗨，下午好。

Hey. Good afternoon.

感谢来电咨询。请问有什么可以帮您？

Thanks for calling in. How can we help?

是的。我和家人正准备购置我们的第三套住房。我们因工作调动在六月份卖掉了之前的房子。目前财务状况良好，既有投资也有退休储备，正在寻找预算范围内既能保持经济舒适度，又不必在人生现阶段苛求面面俱到的理想住宅。

Yeah. So my family and I were in the process of getting ready to purchase a, home for ourselves. This will be the third home that we've owned. We sold our previous house back in June when we relocated for a job change. And I'm feeling that we're sitting pretty good financially with what we have invested and in retirement and trying to identify the right level of home that our budget can support while still letting ourselves be comfortable financially, but also feeling that going into our third home that we maybe don't need to settle on every single item at this point of our life as well.

好的。您考虑的大致预算是多少？

Good. So what are you thinking about spending?

目前我们看中的房产价格大约在550到600之间。

Well, right now we're considering a property that would be around the $5.50 to 600 range.

明白了。

Okay.

说实话从没想过会买这么大的房子，但考虑到目前房地产市场的膨胀情况，这个价位才能满足我们对家庭主妇所需功能的所有要求。

And I didn't ever think I would end up in a home of that size, but with real estate being, you know, somewhat inflated right now, that's kind of what we're looking at needing to be in to check all the boxes that we're looking for housewives.

您是否确认，包括税款、保险、物业费等所有支出后，首付款不会超过您税后收入的25%？

And you feel good that if you put whatever down payment you're gonna put, it's not gonna be any more than 25% of your take home when you include taxes, insurance, HOA, all that stuff?

是的。根据我们支付的首付款金额，我们大概会达到25%的标准线。

Yeah. Depending on what we put down for a down payment, we'd be tracking right about the right about the 25% mark.

你会用现金储蓄吗？

Would you have saved in cash?

所以我们目前手头有3.10美元现金。这其中包括夏天卖房所得的一大笔钱。嗯。其中大约50美元是我视为应急基金的部分。

So we got a we're sitting on $3.10 in cash right now. Now that includes that includes a bunch of money from the sale of our home in the summer. Mhmm. About 50 of that is what I've considered to be our emergency fund.

好的。

Okay.

你知道的，剩下的钱会用于购房，大概2.50美元左右。

You know, the rest of that would go into the home purchase, so about about $2.50.

好的，干得漂亮杰夫。还有任何障碍吗？你还有其他债务吗？

Okay. Good for you, Jeff. Well done. Is there anything standing in the way? Do you have any other debt?

或者

Or

嗯，我们目前经济状况不错。除此之外，我们有一笔小额汽车贷款，金额是5000美元。这是我们唯一的其他债务。我们没有信用卡债务，也没有

Well, we're sitting pretty good. Otherwise, we've got a small car loan, $5,000 on that. That's the only other debt that we have. We're free of credit card debts, free of

教育贷款 很好。

education Good.

是的，完全没有那些。我们在家。我们的

Yeah. None none of that. We're we're at home. Our

有什么问题吗，杰夫？

What's the problem, Jeff?

家人在家。所以我们正在努力，你知道的，提供一些灵活性，以便在需要时可以进行生活调整，无论是教育还是

Family at home. So we're we're trying to, you know, provide some flexibility to, you know, have life change if needed there, whether it's education or

那么你需要什么帮助？是什么让你打电话进来？你最大的疑问是什么？

So what do you need from What made you call in? What's your biggest question?

嗯，我们一直在考虑

Well, as we've been looking at

这次购房，你看，我们考虑的是——这笔钱真的应该这样配置吗？是否应该把资金投入购房，

this home purchase, it's just, you know, what we think about is is that really the best way to deploy that money? Should that money go into a home purchase,

还是应该，你

or should it be, you

知道的，进一步投资或留作孩子的教育基金？现在把

know, further invested or set aside for a child's education? Is it the

这笔钱用于购房

right move to put that

真的是明智之举吗？

much money into a home right now?

嗯，你自己也说过，你说你的投资状况很好。你说一切都按计划进行。那么假设我们推演一下——如果你真的买了这栋房子，就像你说的，它符合我们所说的安全购房标准，同时还能留有足够余地来实现你提到的其他目标：为孩子存大学学费，额外偿还房贷，你依然有资金做这些事。而如果你不买这栋房子，我们假设你没买——

Well, you said yourself, you said you're sitting pretty with your investments. You said you're, you know, everything seems to be on track. So if you did let's let's just play it out. If you did purchase this house, like you're saying, it would meet the criteria that we say is kind of a safe place to buy a house and still have enough margin to do the things that you've mentioned, which is save up for kids, college, be able to put a little bit extra on the house, you'd still have that money in order to do that. Whereas if you didn't purchase this house, let's pretend you didn't purchase this house.

假设你没买——你会怎么处理这笔钱？拿去投资吗？直接投入股市？

Let's pretend that you what would you do? Take this money and invest it? Would you drop it in the stock market?

在市场上投放一些，把价格提高到5.29美元。

Drop some in the market, beef up a $5.29.

好的。那么你打算租多久？

Okay. And then how long would you rent?

嗯，是的。我们需要尽快找到一个长期住所，为了大家的舒适。但是

Well, we yeah. We we need to get into a long term home as soon as we can just for everybody's comfort. But

但你是

But you're

说可能先找个更小的房子，那种不是

saying just maybe a smaller home, something not

对。

Yeah.

可能是个404,100,000美元的房子，而我们每月的，你知道，月供更接近1,200而不是2,400美元。

Maybe it's maybe it's a $404,100,000 dollar home and our monthly, you know, our monthly payment is closer to 1,200 instead of instead of 2,400.

这样做能满足你的需求吗，还是你会觉得是在做出牺牲？

Would it suit your needs if you did that, or would you feel like you were sacrificing?

我会觉得我们是在做出牺牲。

I would feel like we were sacrificing.

嗯。孩子们多大了？

Yeah. And how old are the kids?

现在两岁半。

Two and a half right now.

好的。你们俩一年收入多少？

Okay. And how much do you guys make a year?

我在1我

I'm at 1 I'm

在93，我妻子在57。

at 93, and my spouse is at my wife's at 57.

好的。我是说，你们俩，杰夫，你们是怎么在金钱方面长大的？因为你之前说过，我们...我...我从来没想过买房这件事。

Okay. I mean And did you did you both how did you guys grow up with money, Jeff? Did you because you said, we I I wouldn't imagine ever buying a home

是的。所以这个很贵。我妻子...嗯，我妻子成长环境比较拮据，你知道的，家庭人口多，但他们还是撑过来了。她确实和我的成长背景很不一样。

Yeah. So this expensive. My wife my, yeah, my wife grew up from pretty, you know, pretty limited means, you know, larger larger family, and they they they made it work. But Yeah. You know, she definitely comes from, you know, a different background than than I do.

我小时候家里从不需要为钱发愁。我父母在金钱方面总是做明智的决定。

When I was growing up, we, as a family, didn't ever have to worry about money. My parents always made smart decisions with it.

在买房这件事上，谁更犹豫？你还是她？

We Who's more hesitant about the house purchase? You or her?

对。从生活态度来看，我得说她确实更谨慎一些

Right. Approval approach to life. I would say she is a little more hesitant

比我谨慎。

than I am.

这完全合理。而且你知道，有时候钱这东西挺奇怪的，因为你们已经很成功了杰夫。我是说你们年收入六位数。我猜你们没有负债——我希望你们今晚就用这笔钱把车贷还清。你们现在是无债一身轻。

Which makes total sense. And, you know, sometimes money's weird because you guys have been really successful, Jeff. I mean, you guys make 6 figures. I'm gonna say you have no debt because I think you're gonna pay car off tonight is what I want you to do with some of this money. You know, you're debt free.

你们有充足的应急资金，有大笔首付款，还有年幼的孩子。你们甚至已经为孩子们开设了5.20美元的九账户。我是说，从各方面来看你们都算得上非常成功了。

You have a fully funded emergency fund. You have a massive down payment. You have little kids. You've already started $5.20 nine's for that. I mean, like, you guys in all terms are very successful.

我觉得，如果我们来自一个经济相对拮据的家庭，习惯了精打细算、处处谨慎，她的情感可能还没能跟上现实生活的变化。这其实很正常。我们接到的咨询电话里，经常有人会说'天啊我们居然能负担这次度假，但这会不会太疯狂？'——他们情感上还无法消化自己实际所处的经济状况。所以我完全理解她的感受。

And I think sometimes if we come from a family where there was a little bit more scarcity, you had to watch things, more caution around it, it's almost like her emotions haven't caught up with the reality of what she's living. And I think that's really normal. I think a lot of people when we get calls sometimes, people know like, oh my gosh, we can spend this on vacation, but is that crazy? Like, they can't emotionally digest, like, where they really are at, you know, realistically. And so so I could I totally see where she's coming from, and I get that.

但另一方面，我们不能总是让情绪主导决策，因为情绪有时并不合理。你看实际数据就知道，你们的财务状况完全在掌控之中。

But also, our emotions can't be our driver of decisions always because they sometimes don't make sense. Like, they're not logical always, you know? And when you look at the numbers, Yeah. You guys are not out of control

完全同意。这种时候数据就派上用场了。就像前几天晚上我丈夫杰夫也这样，他看着我们预算里某个项目说'这太贵了吧'。

at all. That's a good time when the numbers do help you. Like, looking at the numbers, I mean, the same thing happened to us, the other night, Jeff. My husband had said there was a line item on our budget. He was like, man, I just think that's too expensive.

我当时就反问他：'是相对于什么觉得贵？'因为人总会对某些事物抱有固有认知。就像你说的，我们以前从没想过能买50万或60万美元的房子——但那只是相对于过去的经济状况。正如瑞秋所说，以你们现在的收入水平完全负担得起。把具体数字列出来，计算占收入比例，这能帮助情感认知跟上现状，让人恍然大悟：原来真是这样。

And I had to look at him and say, in relative to what? Like, relative to what? Because sometimes you can have a certain number in your mind about a certain thing that, like you said, I didn't think we'd ever have a house that was 5, you know, 5 or $600,000 But that might have been relative to the the old situation. But relative to where you are now, like Rachel said, it's totally within means. And sometimes running out those numbers and running out the actual percentage of your income is so helpful because it helps you, it helps your emotions align with where you are now and go, oh my gosh, this is so true.

然后你们应该花时间沉浸在这种成就感里，击掌庆祝说'我们真的做到了'。能够负担曾经不敢想的东西，这太棒了。我认为在心理和情感上标记这些时刻很重要，这些都是人生胜利——而人们往往忽略了庆祝自己的成就。

And then just take some time and marinate in that, high five each other and be like, man, we really did it. Good for us. We can afford things that we once thought were out of reach. And I think it's so important to mark those times, both mentally and emotionally, because they are wins and it's so easy to go through life and not celebrate your wins.

说得太对了。

That's so So good.

这是个好建议。是的，非常感谢。

That's good advice. Yeah. Appreciate that.

是的，你们有没有具体看中哪套房子，正考虑支付首付？比如，她是否能想象出具体哪一套，还是说只是这个价格区间，你们准备开始物色？

Yeah. Do you guys do you all have a specific house that you that you guys have looked at and you're thinking about putting putting a down payment on? Like, is there a specific one that she can, like, picture and see, or is it just that's the price range and you guys are gonna start looking?

没有。是的，我们已经在市场上看了一段时间。我们对几处房产出过价但都没成功，这让我们不得不提高预算。要知道，我们原本不打算超过每小时4.5美元，但为了某处房产，门槛已经提到了5.5美元。

No. Yeah. We've been we've been in the market for a while. We've had several offers that have not gone through on different properties, which has kinda caused us to escalate what we're looking to spend. You know, at one point, we weren't gonna go above $4.50 an hour knocking on the door of $5.50 for a specific property.

所以这也让我们有些顾虑。

So that's what gives us some apprehension as well.

我明白了。

I gotcha.

我们已经偏离了最初保守的计划，虽然在其他财务决策上我们一向保守。

We've shifted away shifted away from our original conservative plan, and we've always been conservative in all other financial decisions.

完全理解。我懂你的意思。是的。

Totally. I hear you. I hear you. Yeah.

这正是那些防护措施真正发挥作用的时候。我们之前提到的25%规则，就像是你的北极星——我们可能以某种方式开始，但这确实是不可逾越的底线。无论我们作何选择，都不会越过这条线。正如你们所说，如果按计划行事，你们也不会越界。记住这一点对你们很有好处。

That's when those guardrails really help though. What we said before, the 25% rule, that's when that's kind of like your true north of we may have started out one way, but this is truly the the line in sand. We know no matter what we choose, we're not crossing that. And I think for you guys, like you said, if you do the plan the way you said, you're not gonna you're not gonna cross that line. And I think that's that's good for you to remember.

本节目由BetterHelp赞助播出。我有一群很棒的朋友，坚定的信仰，以及完美的妻子和家人。我还掌握着相当于两个博士学位的身心健康知识。但多年来与优秀治疗师相处的时光，才真正改变了我的人生。合适的治疗师能彻底改善你的心理、情绪和人际关系健康。

This show is sponsored by BetterHelp. I have awesome friends, I got a great faith, and I have an amazing wife and family. I've also got two PhDs worth of information about how to be well. And yet, the times that I've spent with great therapists over the years have made all the difference for me. The right therapist can change everything about your mental, emotional and relational health.

这个月，BetterHelp的朋友们将聚光灯对准了治疗师——这些真正让世界变得更美好的人。BetterHelp拥有超过3万名治疗师，是全球最大的在线治疗平台。BetterHelp确实有效，平均评分高达4.9分（满分5分）。他们确实专业可靠。

And this month, friends at BetterHelp are shining the spotlight on the therapists, the people who truly make the world a better place. With over 30,000 therapists, BetterHelp is the largest online therapy provider in the world. And BetterHelp works. They have an average rating of 4.9 out of five. They work.

BetterHelp完全在线运作，能轻松融入你的日程安排。只需回答几个简单问题，平台就会为你匹配持证治疗师。若觉得不合适，可随时免费更换治疗师。本月我们致敬那些帮助数百万人迈出正确下一步的治疗师。如果你准备好寻找合适的治疗师，BetterHelp能助你开启这段旅程。

Plus BetterHelp is totally online, so it's easy to fit into your schedule. To get started, just answer a few simple questions and BetterHelp will connect you with a licensed therapist. And if it's not the right fit, you can switch at any time for no extra cost. This month, we celebrate the therapists who've helped millions of people take the next right step. If you're ready to find the right therapist for you, BetterHelp can help you start that journey.

访问betterhelp.com/ramsay可享首月9折优惠。网址是betterhelp.com/ramsay。

Visit betterhelp.com/ramsay to get 10% off your first month. That's betterhelphelp.com/ramsey.

今日提问环节由Why Refi赞助。如果你当初申请私人学生贷款时并非蓄意违约，但生活总有意外——Why Refi不会对你妄加指责，而是会帮你制定切实可行的还款计划。登录whyrefi.com/ramsay了解更多详情。网址是字母y开头：yrefi.com/ramsay。部分州不可用。

Our question of the day is brought to you by Why Refi. If you didn't take out private student loans hoping you didn't take private student loans out hoping to default, but life happens and Why Refi will not shame you, they'll help you explore a real plan to get you back on track. Head to whyrefi.com/ramsay to find out more. That's the letter y,refy.com/ramsay. Not available in all states.

好的。今天的提问来自爱荷华州的杰米。ta说：'我在偿还债务方面遇到困难，不是因为负担不起，而是难以动用银行里的现金。我有近8万美元车贷和45万美元房贷，但手头有30万美元流动资金，还有10万美元的证券账户资金。'

Okay. Today's question comes from Jamie in Iowa. They say, I'm struggling to pay off debt, not because I can't afford to, but because it's hard for me to let go of the cash that's in the bank. I have close to 80,000 in car loans and a $450,000 mortgage. I have liquid cash of $300,000 and a brokerage account with $100,000 in it.

我知道保留债务毫无意义，但看到所有可用现金时我就难以割舍。该如何从心理上克服这一点？天啊，这太疯狂了——如果你清空30万流动资金，至少缩减到3-6个月备用金，再从经纪账户取出10万，几乎就能还清所有债务，包括房贷，虽然不能完全还清但能接近。肯定能结清8万车贷并大幅减少房贷。杰米，我感觉这像是对未知的恐惧。

I know it makes no sense to keep the debt, but I have a hard time not seeing all of the cash available. How do I overcome this mentally? Oh, man. So this is crazy because, yeah, if you were to clear out the 300,000 of liquid cash, or at least, you know, take it down to three to six months and then take the 100,000 out of the brokerage, you could almost pay off everything, including the mortgage, almost, you'd get pretty close, but for sure, you'd clear the 80,000 in car loans and get rid of most of the mortgage. I have a sense, Jamie, that this is some sort of like fear of the unknown, I think.

要知道，人们紧抓存款不放通常出于两个原因之一。要么是我们之前讨论过的稀缺心态——可能源于你的成长经历，某种经历让你形成'有钱就必须存着'的观念。无论你曾极度贫困，还是处于某种无法获得所需的关系中，或是经历过失业恐慌、家人受苦不得不领食品券，总之某些经历让你产生了必须紧握金钱的感觉。要么就完全相反——你可能觉得自己过得非常好，就是喜欢看着账户里那笔钱的感觉，而想到钱没了会怎样时，因为从未经历过所以充满未知。

You know, whenever people cling on to savings, it's usually either one of two things. It's kind of like that scarcity mentality that we talked about earlier, which is maybe the way you came up, something caused you to be like, when I have money, I have to keep it. Whether you grew up super duper poor or you were in some sort of a relationship where you couldn't get what you needed or you had a scary time where you lost a job and your family suffered and you had to go on food stamps, whatever that was, something affected you to the point that, yeah, you feel like you have to cling to money. Or maybe it was none of that, maybe you just feel like you're doing super duper well and you just love the feeling of looking over in that account and seeing that money and just the idea of what it would feel like when it's gone, you don't know because you've never done

它。

it.

瑞秋，我们今天早讨论过这点。我们教授的很多内容对人们来说都是巨大的问号，因为来电咨询的人大多一生负债。多数人从未体验过还清房贷的感觉，像她这样拥有30万存款的情况更是罕见。所以当我们要求人们转向未知领域时，他们就像攥着珍珠项链般紧张地问'那会是什么感觉？'

And I think that that's so Rachel, we talked about this earlier today. So much of what we teach is a big question mark to people because people are calling us, most people have been in debt their entire life. Most people have never felt what it feels like to have paid off mortgage. Most people have never felt what it feels like to have, in her case, 300,000 in savings. And so, so much of this is a question mark that when we ask people to shift into the unknown, they're like clutching their pearls like, well, what's it gonna feel like?

会发生什么？如果这样如果那样...这些假设接踵而来时我理解会让人不知所措。但此刻你更需要自问：如果我不这样做会怎样？另一端会有什么后果？我们来聊聊这个。

What's gonna happen? What if, what if, what if and all these what ifs come and I get it, it can be overwhelming. But in this case, you almost have to ask yourself, well, what if I don't do this? What what's the repercussion on the other end? Let's talk about that.

因为如果你留着这8万车贷，最终只会不断被利息吸血。没错，这太荒谬了。为什么要这样？房贷也是同理。

Because if you keep this $80,000 in car loans around, all you're gonna end up doing is, you know, draining, milking yourself with interest. Oh, yeah. That's ridiculous. Why do that? Same thing with the mortgage.

分期还款表的存在是有原因的。它能清晰展示你每年支付的利息和本金比例。白纸黑字告诉你：债务留得越久，支付的利息就越多。所以你必须自问：这个代价值得吗？无债一身轻又会是什么感觉？

I mean, an amortization schedule is there for a reason. It's explaining how much the interest is costing you year over year and how much is going to the principal. So you can see on paper that the longer you keep that debt around, the more you're paying an interest. So you kind of have to ask yourself at what cost and what would it feel like to be free?

是的。而且很有趣的是，我们总在谈论改变有多么困难。嗯哼。即使你在做一些明知有点愚蠢的事，比如她说的那些话。我是说，她当时说，虽然如此，但因为熟悉所以感觉安心。

Yeah. And it is so interesting that people we always talk about change is so hard. Mhmm. And even if you're doing something that you know is kind of stupid, like what she's even saying. Mean, she was saying, she's like, but it but it feels comfortable because I know.

即便明知自己在做错事，至少我知道那是什么感觉。

Even though even though what I'm doing is wrong, at least I know how it feels.

嗯哼。

Uh-huh.

至少我能停留在那种状态。所以生活中有些改变确实很难。无论是人际关系上的改变，还是身体或健康方面的变化，都会让你内心感到拉扯。但如果你是在向好的方向改变，我们一次又一次地发现，无债一身轻的人才是真正自由的。他们自由了。

And I can at least stay in there. So there is a level of change in life that's hard. And that's if you're changing something relationally, if you're changing your, you know, physically or your health, like, it it causes something to be stretched within you. But if you're changing to something that is good, and what we have found time and time again is that people that are debt free, they are free. They are free.

就是这样。嗯哼。如果你想重新负债，随时都可以回去。整个行业都在等着你呢。对吧。

That's it. Mhmm. And if you wanna get back into debt, you can always get back into debt. Like, there's a whole industry waiting for you. Like Right.

如果你讨厌现状，马上就能重新负债，比如申请个人贷款再把钱花掉。总之随你便。

If you hate it, you can get right back in and, you know, take a personal loan and put money back. Mean, whatever you wanna figure out.

想回去的话随时可以回去。

You can put it back if you want to.

是的。但掌控自己的人生确实有所不同。当你还清债务并重建储蓄时，这一切都真正属于你。那辆车是你的。要知道，你重新积累的储蓄也是你的。

Yes. But there's something about owning your life. And when you pay things off and you build back up that savings, it's all yours. That car is yours. You know, that savings that you build back up is yours.

确实如此。这是一种不同的方式。Jade，你之前也说过，认为持有现金更安全其实是个误区。因为现金同样存在风险。

And so it is. It's kind of a different approach. And you've even said, Jade, before how it is a it's kind of a myth that you're safer with the cash. Yeah. Because you have you have risk.

比如说现金，假设发生意外情况，你不得不动用现金储备，但你依然需要偿还其他债务。

Like, cash, like, something were to happen and you have to drain your cash for some reason, you still have a payment.

你仍然有债务要还。是的。如果纯粹从数学角度考虑——假设你对我说'我在券商账户有30万，还有10万...不对，抱歉。

Like You still have payments. Yes. And the let's just if you wanna take it completely mathematically, the feeling of if you tell me, hey, I have 300,000 in a brokerage and a 100,000 or no. No. I'm sorry.

30万现金加10万券商资产，你以为自己拥有40万，但事实并非如此。如果你有45万资产，但同时有4.5美元房贷未还，实际上你还欠5万。是的，这些都不属于你。这笔账根本算不平。

300,000 in cash and a 100,000 in a brokerage, you're thinking you think you own $400,000, but that is not true. If you own 450, if you owe $4.50 on a mortgage, you owe you owe 50,000. Yes. Nothing is yours. That equation does not add up.

另外还有8万车贷。所以严格来说你处于负债状态，净资产是负的。对，是负资产。

And then there's the other 80,000 in car loans. So, technically, you are in the red. It's a negative net worth. Negative net worth. Yeah.

所以你一直在自欺欺人，告诉自己'这些钱是我的'，但事实上根本不是。从数学角度看，数字正在嘲笑你；从情感角度看，你会觉得'如果还清债务，心里会更踏实'。

So you're lying you're you're all of this is based on a lie that you're telling yourself, this money's mine. This money's mine. And it's really, really not. And so there's if you approach it from the math, the math is laughing at you. And if you approach it from the emotions, the emotions are going, well, there's more peace over here if you go ahead and pay this off.

这有点像约翰·德洛尼博士说的，你必须选择现实。是的。现实在告诉你什么？这就是我要给你的建议，杰米，听瑞秋的，把债还清。

So it's kind of like what Doctor. John Deloney says, you have to choose reality. Yeah. And what is the reality telling you? And that's what I would tell you to do, Jamie, is take Rachel's advice, pay it off.

如果你感觉很糟——虽然从来没人打电话来说‘我还清了所有债务却感觉糟透了，帮我把债要回来’——但理论上你确实可以...

And if you feel terrible, which no one's ever called in here and said, I paid off all my debt and I feel horrible. Help me get it back. Yeah. But you could if

如果你想的话，当然可以。嗯。希望这能帮到你。好了，我们连线达拉斯的查德。

you wanted if you want to. Yep. Hope that helps. Alright. Let's go to Dallas, and we have Chad on the line.

你好，查德。

Hi, Chad.

嘿，你们好吗？

Hey. How are you doing?

我们很好。有什么能帮你的？

We're doing great. How can we help?

我收听节目有段时间了，发现你们谈到婴儿步骤时对象基本都是固定收入人群。我的问题是，我的收入每月每年都在波动。有没有针对这种情况的定制方案？还是说我们得设法让婴儿步骤适用于...

So I've been listening for a while, and pretty much everybody I hear you talk about the baby steps with is on a structured income. My question is my income fluctuates monthly and yearly. Is there a custom plan made for somebody in my situation, or do we just try to make the baby steps work for

是我还是所有人？

me or everybody?

嗯，有很多收入不固定的人会打电话进来。

Well, there's a lot of irregular income earners that call in.

我曾经也是，查德，如果这能让你好受些的话。

I was one, Chad, if that makes you feel better.

是的。严格来说我也是。我是说，我们确实，嗯，很棒的你

Yeah. I technically am. I mean, yeah, we get, I mean, great You

一个都没听说过，而且所有的

haven't heard one and all the

好的。是的。是的。这很常见。很多人收入都不固定，无论是做自由职业还是按佣金结算的工作，他们可能某个季度赚很多，比如摄影师，旺季收入很高然后就会淡下来。

Okay. Yes. Yes. That's very common. There's a lot of people that are irregular, whether they're doing freelance work or commission based positions where they make a lot one season, or like photographers, they make a ton one season and then it kinda goes dead.

这是很常见的理财方式，或者人们经常遇到这种情况。所以不，执行婴儿步骤没有特别的方法。但如果你工作的季节性差异很大，查德？好吧，跟我详细说说。

That is a very normal approach to money or people have that situation all the time. So no, there's not a special way to do the baby steps. But if your job is it seasonally very different, Chad? Okay. Well, tell me tell me about that.

什么是季节？

What's the what's the seasons?

所以大自然母亲控制着我的我的

So mother nature controls my my

是的。

Yep.

工作，基本上。我，我修理过冰雹损坏的汽车。

Work, basically. I, my I've fixed hail damaged cars.

好的。

Okay.

所以如果暴风雨来了，我就有好的风暴季节。

So if it storms, I have good storm seasons.

是的。我赚很多

Yep. I make a lot

关于钱的问题。如果我的风暴系统较弱，那么我

of money. If I have weak storm systems, then I

完美。

Perfect.

可以看看。

Can look.

所以我会做的是

So what I would do is

通常我每年会有大约四到五个月的淡季。我会为这段时间存钱。想到要用那笔钱还债...明白了。然后当工作减少时，我就得四处凑钱付账单。

about like, I usually have about a four to five month slow period throughout the year Okay. That I save my money for that slow time. And so the thought of paying that money off onto my debt Gotcha. Then Yes. It work dies off, and now I do I'm scrounging for money to pay my bills.

所以，没错。额外偿还债务的钱并不包括你的日常开支。我会保留你为储蓄预留的那部分资金——这很明智。我会把那笔钱视为生活必需开支，用于衣食住行等基本需求。那不是无目的的闲钱。

So, yeah. So the paying extra on your debt is that doesn't include your monthly expenses. So I would I would have that fund of what you've set aside for savings, which is so smart. I would consider that amount of money for your expenses, for your your four walls, your food, your shelter, utilities, transportation. That's not just extra money that's just hanging out that has no purpose.

嗯。那是用来在淡季维持基本生活的。所以我们建议设立一个‘峰谷账户’。如果你清楚每月固定需要支出X金额，在没有收入时就得从储蓄中提取这笔钱来支付开销。如果你能精确到这种程度，并且知道那笔资金就是为此准备的，那么我不会用那笔额外的钱去还债。

Mhmm. That's to cover your basic living expenses during low season. So we do say to have an account that we call your peaks and valleys. And you and if you know, okay, we spend x amount every single month that we need this much, and if we don't bring in any money, I have to pull this amount out of savings in order to cover our expenses. Like, if you're down to a tee like that and you know that that fund is there for that, no, I would not throw that extra at the debt.

这完全没问题。偿还债务高于一切，或者说高于任何可以削减的开支。所以我会审视你的生活方式，看看是否有任何固定支出——无论季节或天气如何——可以额外用于房屋开销。但你的那笔资金，我认为应该作为应对收支波动的储备金，确保能按时支付账单。我们从不建议人们为了还债而拖欠账单。

That's totally fine. The paying off debt is above anything or anything that you can cut. So I would look at your lifestyle and say, hey, is there anything in our regular expenses that we have regardless of, you know, seasonality of the weather that we can throw extra at the house? But, no, your that fund, I would consider your peaks and valleys fund to be able to literally pay your bills. So we don't tell people to get behind on their bills to pay off debt.

保持正常支付，这正是那笔资金的用途。但任何能从预算中挤出的额外款项，或者在淡季能多做的工作，这才是关键。

Stay current, which is what that fund is for. But anything extra that you can squeeze out of the budget and or any more work you can do in those slow periods That's the t.

关键就在于在淡季多做工作。

That's the t right there is doing work in the slow periods.

是的，那时候可以再找份工作。伙计，这样你就能双倍收入，这太棒了。

Yeah. Go get another job during that time. And, man, that you could double up, which is great.

长期以来，我一直饱受睡眠困扰，整夜辗转反侧后醒来仍昏昏沉沉。但现在我期待就寝时光，醒来时神采奕奕——这要归功于Casper。这家公司十多年来始终致力于用持久耐用的高品质材料改善睡眠。如今我们全家都睡在Casper床垫上。没错，连狗狗都有专属的Casper宠物床——这毫不意外。

For way too long, I struggled with sleep and woke up groggy after tossing and turning all night. But now I look forward to bedtime, and I wake up bright eyed and bushy tailed thanks to Casper, a company that's been perfecting better sleep for over a decade using durable, high quality materials that actually last. My whole family now sleeps on Casper mattresses. Yes. Even the dogs have their own Casper dog bed to no one's surprise.

这不仅是个人感受。Casper顾客的床垫使用年限长达数年，五分之四的顾客会向朋友推荐。加上免费配送和100晚试睡服务，Casper绝非噱头。这是一款品质持久、值得信赖的床垫。立即访问casper.com/ramsay，使用促销码Ramsay可享床垫类商品75折，其他商品9折优惠。

And it's not just one man's opinion. Casper customers keep their mattresses for years, and four out of five customers recommend them to friends. And with free delivery and a hundred night trial, Casper is no gimmicks. A mattress you can trust backed by quality that lasts. So go to casper.com/ramsay and use promo code Ramsay to receive 25% off all mattresses and 10% off everything else with code Ramsay.

网址是casper.com/ramsay。部分商品除外。

That's casper.com/ramsay. Exclusions apply.

如果你喜欢这个节目，帮助我们最好的方式之一就是口口相传。在社交媒体上分享，推荐给亲朋好友，这些都非常有帮助。记得订阅频道，点赞、分享视频，我们一直希望通过节目传播理财知识，帮助人们掌控自己的财务。绝对是这样。

Well, if you enjoy the show, one of the best ways that you can help us out is by spreading the word. So putting it on social, sharing it with your friends and family, it's always helpful. So make sure to subscribe. Yeah, give us a like, share the videos, and we always love to spread the word about the show because we wanna help people get control of their money. Absolutely.

好的。接下来让我们连线休斯顿的特雷。嗨，特雷，欢迎来到节目。

Alright. Next, let's go to Trey in Houston. Hi, Trey. Welcome to the show.

你最近怎么样？

How are you doing?

我们很好。有什么可以帮你的？

We're doing good. How can we help?

我现在信用卡负债大约4000美元，没有其他贷款或债务。我和女友正在考虑结婚，打算近期向她求婚。我们一直在讨论买房之类的事情。我跟她提起过这个节目，但我想知道该怎么告诉女友我其实在财务状况上撒了点谎？

So I'm about $4,000 in credit card debt right now. I don't have any other loans nor any other anything else. And, basically, me and my girlfriend have been talking about getting married, and I've been thinking about just engaging to her soon and stuff. And she we've been talking about homes and everything like that. And we've been I've been talking to her about the show, but I just wanna know how can I tell my girlfriend that I kinda lied about my financial situation?

哦不，你撒谎了？具体怎么回事？

Oh, no. You lied. What happened?

其实我只告诉她我欠了大概2000美元。

So, basically, I only told her I have, like, $2,000.

特雷，你为什么要撒谎？为什么？

Why did you lie, Trey? Why?

一开始我就是那样的情况。后来随着时间的推移，事情开始逐渐累积。不过我确实拿到了我的第三套公寓，现在就是这样了。

So at first, that's where I was at. And then I started just it started racking up over time. But I did get my first my well, my third apartment, and then I just now it is.

让我理清一下。当你告诉她你有两千时，你是真有那两千，然后又在没告知她的情况下额外积累了两千？是在积累原有那两千的同时又积累了新的两千吗？

So let me make this let me understand. When you told her you had two k, did you have two k, and then you accumulated another two without telling her that you accumulated while you were accumulating the other two?

是的。

Yes.

好吧。这让我感觉稍微...

Okay. What's That makes me feel a little

好受些了。确实。所以你没有一开始就对她撒谎，但从那以后你就没对她诚实过。你告诉她有两千而现在变成五千的那次谈话是什么时候？

bit better. For sure. Yeah. So you didn't lie to her, like, upfront, but you've not been honest with her since. When was that conversation that you told her two k and now it's five k?

是一年前还是两周前？

Was it a year ago or, like, two weeks ago?

那是几周前的事了，大概几周前。

It was a couple it was a couple weeks ago.

几周时间？所以你两周内就攒了两千块？

Couple weeks So you accumulated the two k in two weeks?

对。

Yeah.

哦，好的。再说一遍是做什么来着？

Oh, okay. Doing what again?

你是说你的第三套公寓？那两千块是干嘛用的？

Did you say your third apartment? What what was the 2 K for?

这两千块主要用来买了很多我现在用的东西。其实我最近添置了不少新物件，都还没怎么跟她提过。比如什么？就是很多新东西。

2 K was used mainly for basically, like, a lot of the, like, stuff that I have. Like, currently, I got a lot of new stuff, that I really haven't kinda told her about either. Like what? Got a lot of new stuff.

具体说说。

Name it.

我买了一张新床。

I got a new bed.

好的。

Okay.

我买了一张新床。还买了些其他东西，比如锅碗瓢盆之类的。

I got a new bed. I got some other, like, pots, pans, stuff like that.

好的。因为你刚搬完家。

Okay. Because you just moved.

明白了。所以你是在给公寓添置东西。

Okay. So you're buying stuff for the apartment.

我搬家没多久，但其实我大部分时间都待在她的公寓里。

I moved not too so, basically, I moved not too long ago, but I've been at her apartment a lot of my time.

了解了。

Understood.

所以很多物品都在她公寓里，我前不久刚搬家，然后我现在还在搬。

So a lot of the stuff has been and I've been at her apartment, I'm moving not long ago, and then I'm like, I'm still moving.

你觉得如果你说‘嘿，只是让你知道’会发生什么？

What do you think will happen if you say, hey. Just so you know.

现在。她现在在听，所以很可能能听到我说话。

Now. She's listening now, so she's probably hearing me.

她是和你在一起，还是在工作的地方听着，然后你会

Is she there with you, or is she, like, at work listening and you're gonna come

回家时她在，

home to She's,

比如，正在听着。是的，我要喊了。

like, listening on the yes. I'm gonna yell.

好吧。嗨，特雷的女朋友。

Alright. Well, hi, Trey's girlfriend.

进展顺利。这就像Mori的风格。Trey，你为什么做成这样？好吧，那你女朋友叫什么名字？

This is doing well. This is like Mori. Why did you make it like this, Trey? Okay. So what's your girlfriend's name?

你能说

Can you say

吗？既然她在听。Shayla。

it since she's listening? Shayla.

我最初收入大约是48，但现在涨到50左右，因为我获得了4%的加薪。

So I originally earned about 48, but now I make around 50 because I got a 4% pay increase.

很好。

Good.

所以我年收入大约50。很好。到现在为止，我和她一直在讨论这件事，就像我们一直在

So I make around 50 a year. Good. At this point, I've been talking me and her have been talking about this like we've been

谈论你的节目。我们一直在讨论那些小步骤。我今天发给她了。嗯。

talking about your show. We've been talking about the baby steps. I sent it to her today Mhmm.

诸如此类的事情。所以我们一直在深入讨论和琢磨，主要围绕如何摆脱债务的问题。她大致告诉了我她那边欠债的情况。

And stuff. So we've been really talking and honing in, and we've been talking about all the stuff about getting out of debt. She kinda told me where she's in debt on her end.

她欠了多少？

How much does she have?

但我

But I

大概就是，学生贷款大约有8、9千美元的样子。

kinda just, like, around 8 or 9,000 in the student loans.

好的。特雷，我能问你个问题吗？如果你一直在听这个节目，是什么原因让你...我是说，你收入不错，有五万块。为什么你要借钱买锅碗瓢盆和床？为什么不直接用现金支付呢？

Okay. Now can I ask you, Trey? If you've been listening to this show, what caused you to go I mean, you have a fine income, 50,000. What caused you to go into debt to buy pots and pans and a bed? Why didn't you just cash flow that?

你当时是怎么想的？

What was going through your mind?

起初问题在于，我现在公寓里的那些东西——比如沙发和床铺——其实不是我的，是我姐姐的，所以我得把它们还给她。

So at first, the problem was was that I had to get the the stuff that's currently in my apartment, the, like, couch and bed stuff is not mine. It was my sister's, so I had to give that back to her.

明白了。所以你觉得自己时间紧迫？

Got you. So you felt like you were in a time crunch?

是的。我当时处于一种时间紧迫的状态，就是，你知道的，必须赶紧处理。你可以

Yes. I was in a time crunch situation where, like, I had to, you know, kinda spend it just kinda do it. You could do

现在就做，或者

it now or

我只想鼓励你继续前进。我很高兴你和Shayla都在收听节目。我喜欢你们开始专注于这一点。我只想鼓励你，同时也提醒你。未来总会有让你感到时间紧迫的时候。

I'll I I just wanna encourage you going forward. I love that you and your and and Shayla are listening to the show. I love that you guys are starting to hone in on this. I just wanna encourage you and also just admonish you. Going forward, there's always gonna be times where you feel like there's a time crunch.

会有一些时候让你觉得必须快速行动。

There's going be times where you feel like you have to move fast.

紧急时刻正是债务行业最喜欢你的时候，当你着急时。无论你是在车行想着'我得买辆新车'，还是急着搬家，快、快、快。

Urgency is where the debt industry loves you when you're urgent. Whether you're on a car lot and you're like, I got to get a new car. Yes. I moved to go, go, go.

他们总在你危机时找到你。是的，

They find you in crisis. Yes,

没错，百分百确定。

that's right. 100%. 100%.

但如果你现在就开始锻炼这种能力，哪怕只是停下来喘口气，然后问问自己：我还能做什么替代方案？我能不能在朋友家沙发上睡一周，先攒点钱？当然可以。我能不能上Craigslist或Air Craigslist找找？

But if you can start now to exercise the muscle of just even taking a moment, taking a breather and going, okay. What can I do instead? Can I can I sleep on a friend's couch for a week while I save up some money? Yes. Could I go on Craigs an Air Craigslist?

或者Air

Or an Air

充气床垫。100美元的充气床垫。

mattress. A $100 air mattress.

我曾经在充气床垫上睡了很久。

I slept on an Air mattress for a long time.

是的，特雷，你要永远记住总会有其他选择的。嗯哼。懂吗？所以无论是家具还是汽车，遇到这种情况总有解决方案。

Yeah. So just always know, Trey, that there is always another option. Mhmm. K? So in a situation, whether it's furniture or a car, there are options out there.

因此放慢节奏是做出明智财务决策的关键，不要让自己感觉被逼到绝境。而且...毕竟才过去两周，不像你已经隐瞒她好几个月了。

So slowing down is a really big part of making wise financial decisions, not feeling like you're backed into a corner. That and then and I would wanna get to and, again, it's only been two weeks, so it's not like you've lived with this for months and, like, lied to her.

对。你

Right. You

知道吗？我是说，但我更想知道是什么原因让你不告诉她。是因为她会生气吗？是因为你感到尴尬？还是因为你希望自己当初做得更好，现在对这些选择感到内疚和羞愧？

know? I mean, like but I would wanna know from you what's caused you to not tell her. Is it because she'll get mad? Is it that you're embarrassed? Is it that you wish you had done better and now you kinda have some guilt and shame around the choices that you've made?

主要的动机是什么？你知道吗？

What was the main motivation? Do you know?

老实说，对我来说，最主要的原因就是，我和她一直在讨论结婚的事。我们一直在商量要花多少钱。她还提到私奔来节省开支，不想办那种铺张的婚礼仪式。

I would say, honestly, for me, the main thing was just, like, you know, me and her have been talking about marriage. And like we've been talking about how much we wanna spend. She've been talking about being getting eloped instead so we can save a lot of that money. We don't just go in and just have this big wedding ceremony.

是啊。

Yeah.

她并不追求那些。我觉得这情况让我有点难堪，就像，唉。你知道，我不太想告诉她我刚做了这件事，因为她肯定会说，嘿，你为什么要那样做？你根本不需要那样。

And she's not looking for that. I think we've been it was a situation where it was, like, a little bit of embarrassment like, dang. Like, you know, I didn't really wanna tell her that I just did this because she's gonna she's gonna tell me, hey. Why'd you do that? You didn't need to do that.

我们可以想出别的办法。

We can figure something out.

是的，是的。就连这个，特雷，也是学习沟通模式的一个例子。你有种感觉不该告诉她，所以你没说。

Yeah. Yeah. Even even this even this, Trey, is an example of just learning that communication pattern. You had a feeling about not telling her. You didn't tell her.

但即便如此，你还是以一种奇怪的方式在节目上间接告诉了她。我只想鼓励你未来，如果这是你爱且信任的人，就直接去找她坦白真相。

But then even still, you came on the show as a strange way of telling her. I would just wanna encourage you in the future. Just if this is a person you love, you trust, go to them and tell them the truth.

是啊，特雷，婚姻一开始就藏着锅碗瓢盆可不行。

Yeah. And starting off marriage with hiding the pots and pans, Trey.

我们不该那样做。

We don't wanna do that.

我们不该那样。我们不该养成那种习惯，因为说实话，秘密会开始侵蚀信任。嗯。

We don't wanna do that. We don't wanna get we don't wanna get in that habit because, genuinely, I mean, secrets start to they that erodes trust Mhmm.

确实如此。

Sure does.

而且速度之快。特雷，在这件事上尽可能对她坦诚，未来也是。我是说，杰达，我们结婚已经超过十年了。

So fast. And as honest as you can be, Trey, with her about this and going forward, I mean, yeah, Jada, we've been married we've been married over a decade.

嗯。

Mhmm.

我们俩。

Both of us.

那对男人呢？

And To men?

我们学到的关于丈夫的事。对，对。抱歉。不是彼此之间。

What we've learned husbands. Yeah. Yeah. That's sorry. Not to each other.

对我们自己的配偶。我们

To our own spouses. That we

我的一件事。

one thing me.

我认为我们都可以说，生活中总会出现一些让你感到尴尬和不快的事情。对吧。这是难免的。而当你开始隐瞒这些事情时，信任就开始瓦解了。所以，越能训练自己保持脆弱和诚实，这就是很好的第一步。

I think we both could say that there are things that are going to come up in life that you're embarrassed about and you don't like. Right. Is gonna happen. And the moment you start hiding those things is where that trust erodes. So the more vulnerable and honest you can be trained, this is a great first step.

让我先说，为了减轻一点负担，金额是2000美元。明白吗？其实情况可能更糟，确实可能更糟，但这不重要。

And let me just say to lighten the lighten the load a little bit that it's $2,000. K? It's not. Some pe you know, some that it could be much worse. It can be much worse, but but that doesn't matter.

不管金额多少，关键在于背后的原则。我希望你们能建立健康的沟通模式，并且——我要你们剪掉信用卡。你们是用信用卡透支的吗？

Regardless of the amount, it's the principle behind it. Right. That I want you to get in a healthy pattern of you guys communicating and being and and I want you to cut up the credit. Was it credit cards that you that you charged it on, you said?

是的，全都是用

Yes. It was all it

信用卡。

was credit cards.

今天就剪掉它们。你们一直在收听节目，讨论节目内容，并开始实践我们所说的。所以剪掉信用卡，改用现金支付。

They cut it up today. You guys have been talking and listening to the show. You've been talking about the show, listening to the show, and she start doing stuff that we talk about. So cut up the credit cards. You guys cash flow it.

她听起来很棒，我知道她在听，

She sounds amazing. I know she's listening,

姑娘。

girl.

我们支持你。我们既站在她那边，也站在你这边，Trey。但她听起来很冷静。嗯哼。这件事上要明智些。

We are for you. We are on her team and your team, Trey. But she sounds so level headed. Uh-huh. And be wise about this.

你知道吗？如果没钱就别买，别让这成为你生活的常态。这包括订婚戒指，包括婚礼、蜜月等等一切。不过，我觉得这会很棒的。

You know? If you don't have the money, don't buy it and let that start to be a pattern in your life. And that and that includes the engagement ring. That includes the wedding and the honeymoon and all the things. But, yeah, I I think it's I think it's gonna be awesome.

你知道你什么时候会...算了，我不该问。

Do you know when you're gonna well, no. I don't ask

你们在一起多久了？

long have you been together?

目前我们分分合合。到现在断断续续交往大概一年了。

Right now, I've been with her off and on. We were off and on for about a year now.

哦，好吧。

Oh, okay.

不过，我和她稳定交往已经快三个月了。

But, I have been secured with her for about through going on three months

现在。

now.

和她在一起很安全。

Secured with her.

很好，我对此一无所知。

Good I don't know anything about it.

真的，真的

Really, really

或者说，那只是一个阶段

or, like That's a phase

我之前不知道这件事。

I didn't know about that.

然后，是的，确保了。就像，在我们短暂停止交谈之前，

And then, yeah, secured. Like, before we stopped talking for a little bit, and

然后我们回来了

then we got back

一起。好的。

together. Okay.

我喜欢。我喜欢，特雷。就像是

I like it. I like it, Trey. It's like

一条裙子。

a skirt.

我为你们感到兴奋。哦，伙计。太棒了。所有安保人员都站出来了。这很棒。

I'm excited for y'all. Oh, man. Love it. And all the all the security coming forward. It's great.

我热爱创业者。别忘了，伙计们，我自己也是从一张牌桌开始创业的。所以我深知被人依赖的滋味——你的团队、家人，更不用说客户。当你成为发薪水的那个人时，你绝不能盲目行事。但说实话，早期差点拖垮我们的一件事，就是浪费时间在那些因为业务部门之间不沟通而永远对不上的电子表格上。

I love entrepreneurs. Don't forget, guys, I started my company on a card table myself. So I know what it's like to have people counting on you, your team, your family, not to mention your customers. And when you're the one signing the paychecks, you can't afford to fly blind. But I'll be honest, early on, one thing that nearly sunk us was wasting time with spreadsheets that didn't add up because business units didn't talk to each other.

我最后告诉团队：解决它。他们做到了。我们选择了NetSuite。那是多年前的事了。从此我们再没回头。

I finally told my team, just fix it. And they did. We got NetSuite. That was years ago. And we've never looked back.

看，NetSuite不仅适用于科技巨头。它是专为像您这样成长中的企业打造的。已有超过43,000家企业使用NetSuite，其中许多起步时和您一样。现在内置AI功能，NetSuite能提供更多帮助。这是一个连接您业务各个环节的系统，提供实时洞察而非猜测。

See, NetSuite isn't just for tech giants. It's built for growing businesses like yours. Over 43,000 businesses already run on NetSuite, including a lot that started just like you. And now with built in AI, NetSuite is helping them even more. It's one system connected to every part of your business for real time insights, not guesswork.

NetSuite AI能标记库存问题、现金流风险，甚至在供应商延误成为问题前预警。因此您可以信赖数据，不再浪费时间，更快做出正确决策。立即访问netsuite.com/ramsay免费体验产品演示。网址是netsuite.com/ramsay。

NetSuite AI flags inventory issues, cash flow risks, even supplier delays before they become problems. So you can trust the data, stop wasting time, and make the right decisions faster. Take a free product tour today at netsuite.com/ramsay. That's netsuite.com/ramsay.

全新EveryDollar现已推出，它远不止是一个预算应用。功能丰富得令人难以置信，全部设计旨在帮助您更快实现财务进步。普通人使用新版EveryDollar仅15分钟就能发现数千美元的财务优化空间。立即免费开始使用EveryDollar，可在App Store或Google Play下载。

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好的。现在连线芝加哥的安德鲁。嗨，安德鲁。欢迎参加节目。

Alright. Let's go to Andrew in Chicago. Hi, Andrew. Welcome to the show.

嘿，杰。嘿，瑞秋。你们今天怎么样？

Hey, Jay. Hey, Rachel. How are you guys doing today?

我们很好。有什么能帮您的？

We're doing great. How can we help?

我准备在未来一个月左右向我交往五年的女友求婚。

So I am about to propose to my girlfriend of five years coming up in the next month or so.

哦，恭喜你们。

Oh, congratulations.

随着我们关系的发展，显然接下来会有婚礼和购房计划。我的问题是，在为婚礼首付和购房首付存钱的同时，是否还应该继续将收入的15%用于退休投资？还是应该降低这个比例？希望能得到一些指导。

And with us moving forward, obviously, that comes wedding and pay for the wedding and looking at buying a house in the next couple of years. My question is when you're saving up for a down payment and for a wedding, should you still invest your 15% of your income, for, like, retirement? Or should you reduce that to a lower percent or kind of guidance on that?

按照'婴儿学步'理财法，购房属于第三步B阶段。你需要先完成第三步（3-6个月的应急储蓄），然后是3B阶段（存购房首付），第四步才是15%的投资。如果你们觉得可以同时进行3B和第四步，并且在首付上取得进展，我认为是可以的。这取决于你们自己的选择。

Well, so in the baby steps, technically the house would be 3B. So you'd save up baby step three first, so three to six months. Then you do 3B, which is save for a down payment, and then four is the investing, the 15%. Now, if you felt like you could do 3B and four at the same time and make, you know, find progress on that down payment, I would say that's fine. That's up to you guys if you wanna do that.

你们还有其他债务吗？

Do you have any other debt or anything like that?

我们俩都没有负债。她今年12月就要大学毕业了，很好，无债一身轻。我目前也没有任何债务。

So we're both out of debt. She's gonna be graduating college here in December. Great. Debt free. I'm currently debt free.

在结婚前我们会保持财务独立。所以我想寻求一些关于我们应该怎么做的建议。目前我有2万美元的储蓄。

We're keeping our finances separate until marriage. K. So I'm kinda just looking for guidance for what we should do. I currently have 20,000 in savings.

好的。

Okay.

她的年薪是多少？请继续。

Does she yearly salary. Go ahead.

请继续。

Go ahead.

我的年薪...我两周后要换新工作了。我目前的薪水是10万，而她作为教师一月份入职时的薪水将是5万。

My yearly salary I'm going to a new job in two weeks. My current salary will be 100,000, and her salary as a teacher will be 50,000 when she starts in January.

你们打算花多少钱？我是说，在芝加哥地区，房价可能相当高。你们需要准备多少预算才能满足需求？

What would you be looking to spend? I mean, in the Chicago area, it can be pretty spendy. What do you what's it gonna cost to get what you guys need?

作为首套房，可能在200到300之间吧。

Probably somewhere as a first home, probably somewhere between 2 and 300 probably.

好的。那没问题。

Okay. Then yeah.

再往西边远一点的地方。

Further out in the West.

是啊。还有婚礼的事对吧？嗯哼。你们打算在婚礼上花多少钱？

Yeah. And the wedding. Right? Mhmm. How much are you guys wanting to spend on the wedding?

我们刚进入细节讨论阶段，还没真正确定预算。

We're just getting into those weeds. We haven't really decided on a budget yet.

别把你的婚礼说成杂草。抱歉。

And don't call your wedding a weed. Sorry.

我开玩笑的啦。

I'm just kidding.

那个...家人会帮忙支付部分费用吗，还是全部由你们自己承担？

Is is is family helping pay for any of that, or is it all on you guys?

是的。我相信她父母和我父亲都会为婚礼出资。

Yeah. I believe both her parents and my dad both are going to contribute to the wedding.

所以首要任务就是和他们坐下来坦诚沟通，了解他们计划资助的具体金额，因为这显然会极大影响婚礼总预算。你们需要根据自身财务状况决定能承担多少，无论是否有家人资助。提前明确这些数字并了解资金到位方式对婚礼规划至关重要。如果他们只是打算象征性给10美元作贺礼，那情况就完全不同了——毕竟场地订金等都需要实付。尽管这类谈话可能令人尴尬，但在婚礼筹备初期厘清这些细节非常关键且大有裨益。是的。

So the first point of that would be really sitting down with them and finding out honestly what they plan to contribute because that's gonna I mean, obviously, heavily impact what the overall spend of the wedding is because you guys are then gonna have to look at your budget and say, whether they help us or not, here's what we can contribute. So having those numbers ahead of time and also understanding how it will be dispersed is very important to planning a wedding. Because if their thought was like, oh, we're just going to give you $10 as a wedding gift, that's very different because deposits and stuff have to be made. So really getting in the details on that, as awkward as it may seem, I think is so important and is so helpful Yes. On the beginning part of planning a wedding because Yeah.

那些时间线和那些，你知道的，那些存款，都必须按时完成。

Those timelines and those, you know, those deposits, they gotta go on time.

所以

So

是的。对。所以为了让你们清楚，好吧，这就是我们得到的帮助，那笔钱。这笔钱够我们办婚礼吗？是的。

Yes. Yeah. So to make sure you guys know, okay, here's what we're being helped with, that amount. And is that amount of money enough for what we're wanting Yeah. As a wedding?

如果不够，我们还需要增加多少？这现实吗，还是我们需要降低一些期望？除此之外，是的，还要为买房存钱。所以，如果我是你们，我不介意人们暂停第四步，几年内不投资。这并不是硬性规定。

And if not, how much more do we need to add to that? And is that realistic, or do we need to pull back some of our expectations? So that and then on top of that, yes, saving for saving for a a house. So if, yeah, if I were you guys, you know, I'm okay with people pausing baby step four and not investing for maybe years. That's not really a hard and fast rule.

不过这是个好建议。

But it's a good one, though.

除此之外，我可能会想开始投资，因为复利太强大了。但如果你们需要暂停几年只为攒够一大笔首付，我可以接受。但可能不会超过三年不投资。好的。

Anything beyond that, I would probably want to get in and start investing because that compound interest is so great. But if y'all need to pause for a few years just to build up a large amount for a down payment, that I would be okay with that. But I probably wouldn't go any longer than three years not investing. Okay.

那么三到六个月的应急基金，是基于你的收入还是支出计算的？

And then the three to six month emergency fund, is that based off of your income or off of expenses?

这实际上取决于你可以从几个角度来考虑。我喜欢从工作状况、感情状态和健康这几个方面来思考。比如说，如果你是单身，我可能会直接考虑存六个月的开支，因为一旦失去收入就彻底没保障了。但如果已婚，即便我失去收入，配偶还有收入的话，安全感就会高一些。

It's really based off of you could think about it a couple of ways. So I like to think about, like, job situation. I like to think of relationship status and health. So for instance, if you were a single person, I'd probably automatically go to six months simply because if I lose my income, that's it, right? But if I'm married and there's another person who if I lose my income, but if they have theirs, there's a little bit more security there.

这就是我考量人际关系层面的方式。然后我会考虑健康因素。如果你们中有人健康状况较差，可能需要住院或无法工作，这就会影响你选择存三个月还是六个月的开支。这些就是我评估的重点。至于你们的情况...

So that's kind of how I consider the relational side of it. Then I'm thinking about health. If one of you is in, you know, poorer health and there's an opportunity for hospital stays or being out of work, that's another thing that could impact wanting to have six months versus three months. So those are the kind of things that I look at. With you guys, I mean, there anything

嗯，我想补充的是——你问的是该存三个月收入还是三个月开支？或者你是在问时间方面...

Well, I think I would say too from a are you asking should you save three months of income or three months of expenses? Or were you asking time What do

问题在于应该存多少钱？这是基于存三个月收入还是三个月...

it's off of how much you should save? Is that based off of saving up to three months of your income or three

开支？我们其实不按收入计算，更多是基于开支。比如确保房租、伙食这些基本支出。温斯顿和我就是这么做的。

months of your We don't really do by income. It's more of expenses. So when you look at keeping, yes. You know, the rent paid, food on the table. So that's what Winston and I did.

我们当时计算了每月最低生存开销。你们是按最低标准计算的吗？

We kinda looked at our monthly Bare bones. And we stayed did you go bare bones?

我们最初确实按最低标准计算，后来...

We did we did it bare bones at first, and then

然后我们更新了。是的。所以，你们可以先从最基本的生活开销开始计算，比如食物、水电、房租这些维持生活的必要支出，先搞清楚这些基础费用是多少，而不是那些额外的娱乐消费。要知道，不包括外出就餐之类的。就是说，只算最基础的生存开销，总共需要多少钱？

And then you we updated. Yes. So, yeah, so you guys could just start with, okay, what keeps food, lights on, the rent paid, and get that, know, not all the extra exciting stuff. You know, no going out to eat. Like, if you got the bare bones, how much is that?

然后你可以把这个数字乘以3、4、5或6，这样就能得出应急基金的金额。但Jade说的也很重要，你们是双收入无孩家庭。所以你们完全可以按三个月的生活费来准备应急基金，特别是你们还在为首付款存钱的时候。是的，就是要达到那个目标

And then you can multiply that by 3, four, five, six, and that can give you kind of that number for that emergency fund. But what Jade's saying too, I think is important that you guys are gonna be two people with two incomes, no kids. So you really could go on that three month, especially since you are gonna be saving up for a down payment. Yeah. Like, getting to that

因为你可以

because you can

随时回头再处理。确实如此。这个建议有帮助吗，Andrew？

always come back later. And do. That's right. That's right. Is that helpful, Andrew?

是的，太完美了。这是两个问题一起回答了。之前我确实不确定

Yeah. That's perfect. That's one question both questions, so unanswered. Definitely, I didn't know if

太好了。再次恭喜你们。这一定会很棒的。

Perfect. So great. Well, congratulations again. Yeah. That's gonna be fun.

好的，我们抓紧时间连线圣地亚哥的Jamie。Jamie你好，欢迎参加节目。

Alright. Quickly, let's go to Jamie in San Diego. Hi, Jamie. Welcome to the show.

你好，非常感谢。

Hi. Thank you so much.

好的，今天有什么可以帮您的？

Yes. How can we help today?

好的，我的问题是，七年前我和丈夫结婚时收到了《财务自由大学》作为礼物。我们不仅还清了所有债务，还在应急基金中存了六个月的生活费。目前我们将家庭收入的15%用于投资，

Okay. My question is, we my husband and I, seven years ago, were gifted Financial Peace University as a wedding gift. We were able to get completely out of debt, save six months of expenses in our emergency fund. We currently invest 15% of

我们的家庭

our household

并且我们大约有21.5万美元的储蓄。

income, and we have about 215,000 in savings.

明白了。

Okay.

我们住在一个消费水平很高的地区，目前还负担不起房贷。我们在圣地亚哥，这里物价确实很高。但我的问题是，我们刚有了第二个孩子，按计划我十二月份就要回去工作了。

We live in a really expensive area. We cannot afford to pay a mortgage yet. We're in San Diego, so it's just really expensive. But my question is, we just had our second kid. I'm supposed to go back to work in December.

想到要回去工作，还要支付高额的托儿费用让别人来抚养我们的孩子，这真的很难受。那么，如果我不回去工作，我们每月从储蓄中取出1000到2000美元，这样我就能在家照顾孩子，因为我们有这么大一笔储蓄，这是不是完全愚蠢的决定？

The thought of going back to work and paying so much in childcare for someone else to raise our kids is just really hard. So is it just a completely stupid move for me to not go back to work and us pull 1 to $2,000 of savings each month so that I can stay home with our kids because we have such a big Savings. Of savings.

是的。你们有2.5美元，你们有2.5美元的流动资金。对吧？

Yes. Y'all have $2.50 y'all have $2.50 liquid. Right?

2.0215美元。

$2.02 15.

是的。2.15美元。好吧。你知道，我觉得我可以接受，比如...我不确定。如果真的每月只有1000美元的话。嗯哼。

Yeah. $2.15. Okay. You know, I I would be okay with it for, like I don't know. If it's if it really is 1,000 a month Uh-huh.

而且你需要一点...所以每月2000美元。

And you need a little So 2,000 a month.

是的。长期计划是什么？这里有长期的解决方案吗？还是你们只是住在一个对你们来说太昂贵的地区？你们需要搬家吗？

Yeah. What's the long term plan? Is there a long term solve here, or are you just living in an area that's way too expensive for you guys? Do you need to move?

不。嗯，我丈夫大约六个月前换了职业，他现在处于一个会不断获得晋升的轨道上。所以，希望这种情况只会持续一两年，直到他能存下钱。而且他有很多成长机会，只是目前...

No. Well, my husband changed careers about six months ago, and he is on a track where he is gonna be getting promotions. And so, hopefully, this would only be a year or two of how he's able to savings. And he has he has a lot of growth opportunity, but it's just there's I

我想说的是杰米。所以我觉得我可以接受。我认为你们都很努力。你们存钱是为了能够做一些

would say Jamie. So I would say I would be okay with it. I think you guys have worked hard. You put money aside to be able to make some

这样的行动。

of these moves.

但我需要设定一个底线，因为可能会出现这样的情况：比如我们在圣地亚哥，但晋升机会迟迟不来，事情并没有按预期发展。如果计划落空，你可能会开始为自己找理由。那2.15美元转眼就会花光。

But I would have a threshold because what can happen is you're like, well, we're in San Diego. You know, the promotions haven't really come. It's not really what's happened. You know, if stuff doesn't happen according to plan, you can start justifying your position. That $2.15 is gonna be gone in an instant.

所以你需要设定一个底线，比如储蓄不超过10万美元。如果晋升无望，我就必须回去工作——这就是底线。不过短期内我确实可以接受这种情况。但不要坐视那2.15美元耗尽而没有其他计划。所以要明确你不可逾越的底线。

So you need threshold to say we're not going past a 100,000 in savings. So either I have to go back to work if the promotions aren't coming, have that threshold. But yes, I am okay with it for a time for sure. But don't sit there and just drain that $2.15 without another plan. So have a threshold of what you will not pass.

这个数字对你们来说可以是任何金额。但没错，你们努力做出了选择，这是你们想要且负担得起的选择。欢迎回到拉姆齐秀和Fairwinds信用联盟直播间。我是今天的主持人瑞秋·克鲁兹，与杰德·沃肖一起解答大家的问题。接下来我们连线德克萨斯州达拉斯的南希。

That can be whatever number it is for you guys. But, yeah, you've worked hard to make choices, and this is a choice you want, and you can afford it. Welcome back to the Ramsey Show and the Fairwinds Credit Union studio. I'm Rachel Cruz hosting today with Jade Warshaw, and we're answering your questions. Up next, we have Nancy in Dallas, Texas.

你好南希，欢迎来到节目。

Hi, Nancy. Welcome to the show.

你好，谢谢邀请我。

Hi. Thanks for having me.

是的，完全正确。我们今天能帮上什么忙？

Yes. Absolutely. How can we help today?

我丈夫大约一周前失业了。

So my husband lost his job about a week ago.

天啊，真遗憾。

Oh my gosh. Sorry.

他是我们家唯一的经济来源，因为我现在怀第三胎属于高风险妊娠。我想请教一下，在他找到新工作前的这几个月我们该如何应对。

He was our sole income earner as I'm a high risk pregnancy right now with our third kiddo. And I just want some guidance on how we navigate the next few months until he's able to find work.

天啊，明白了。

Oh my gosh. Okay.

您的高风险是因为年龄因素还是其他原因？

Are you high risk because of your age or are you high risk because of other factors?

是其他原因。不过谢天谢地，这个问题有可能在宝宝足月时自行解决。

Because of other factors. Okay. And thank God there's a chance that the issue will resolve itself by the time the baby comes to term.

嗯，是的。进展到哪一步了？

Mhmm. Yeah. Far along that?

就是我现在需要卧床休息。好的。是的。

That I'm on bed rest. Okay. Yeah.

我现在是怀孕24周。

I am twenty four weeks right now.

好的，好的。那么在财务方面，你们现在情况如何？你们有多少债务？

Okay. Okay. So financially, where where are you guys? How much debt do you guys have?

实际上今年夏天我们搬到了乡下的一栋房子，一直在试图卖掉原来的房子。

So we actually moved houses earlier this summer to a house in the country, and we've been trying to sell our other house.

天啊。你们要付两笔房贷吗？

Oh gosh. You have two mortgage payments?

没有。谢天谢地。

No. Thank god.

哦，很好。

Oh, good.

我们目前住的这套房子是全款买的，没有贷款。

We were able our our the house we're in right now, we have no debt on.

哦，太棒了。

Oh, great.

是的。但我们旧房子还有贷款。

Yeah. But we have debt on the old house.

好。

K.

然后我们还有两笔车贷。

And then we have two car loans.

好的。你们的车贷金额是多少？

Okay. How much are your car loans?

我丈夫的卡车还欠5美元，然后我们的面包车还欠24美元。

My husband owes $5 on his truck, and then we owe $24 on my minivan.

好的。那5千美元的卡车，每月还款是多少？

Okay. And how much is the payment on the 5 k, the truck?

每月770美元。

$770 a month.

好的。那你的面包车每月还款是多少？

Okay. And how much is your van payment?

507美元。

$507.

好的。那你们现在不住的那栋房子的房贷是多少？

Okay. And how much is the mortgage payment on the house that you're not living in?

1470美元。

$1,470.

好的。完美。好的。那他每个月带回家多少钱？比如，打到你的账户上？

Okay. Perfect. Okay. And what was he bringing home per month? Like, was hitting your account?

他有很多加班费。收入稳定在七到八千之间，但他的基本工资是每小时40美元，每周工作36小时。

He got a lot of overtime. It was consistently between seven and eight, but his base pay was, $40 an hour, thirty six hours a week.

好的。那他，他是做什么的？什么样的工作？

Okay. And what was, what what was he doing? What kind of work?

他做维修工作，设施维护。好的。

He worked maintenance, facility Okay.

好的。你

Okay. Do you

有存下什么钱吗？我是说，能直接买下第二套房子的那种。那笔钱是从哪来的？

have any money saved? I mean, were able to buy a second house kind of outright. Where'd that money come from?

我丈夫工作非常努力。我们俩都曾努力过一段时间，后来还得到了一笔家族遗产。

My husband worked really hard. We both did for a while, and then we came into some family inheritance money.

而且

And

所以这就像是加速了我们搬离城市、放慢生活节奏这个梦想的实现过程。

so it just kind of like sped up this process for this dream we had of moving out of the city and slowing down our lives.

是的。嗯。

Yeah. Mhmm.

靠着积蓄和继承的财产，我们得以搬到这里。然后我们想着卖掉之前的房子，就能还清车贷。嗯。还清房贷。是的。

So between savings and inheritance, we were able to get out here. And then we thought selling our previous home, it would pay off the cars Uh-huh. Pay off the mortgage. Yeah.

等你们最终卖掉时能带来多少收益？

What will it bring when you sell it eventually?

现在挂牌价是260万，我还欠160万。好的。所以应该能还清...是的。我们所有的

It's listed for $2.60 right now and I owe 160 on it. Okay. So it should pay off Yeah. All of our

那你们就没有任何剩余的积蓄了吗？

And you so you don't have anything left over saved from?

我们确实。我们几乎用光了所有积蓄来建房子。不过我们还留了1000美元的应急资金。

We no. We ended up using all of our savings pretty much to build the house. We still have our 1,000 emergency funds, though.

1000美元。

1,000.

好的。南希，告诉我，他要重新获得那样的收入有多难？感觉就像是维持生计。我不确定。

Okay. Tell me this, Nancy. How how hard will it be for him to be able to replace that income? It just feels like maintenance. I don't know.

我...我理解。我不想显得无知，但我觉得这是个很宽泛的范围，可能很快就能找到替代工作，对吧？你觉得他有选择余地吗？

I I I get it. I don't wanna be ignorant, but I feel like that's a very wide spectrum of being able to probably plug in somewhere pretty quickly. Right? Would you does he feel like there's options?

他一直在大量投简历。但我不确定能找到和上一家公司待遇相当的工作。

He's been applying a lot. I don't know that we'll find anything that's comparable to the last company.

当然。

Sure.

但我

But I

我想我们能在二十多到三十出头的范围内找到合适的。

think we can find something in the high twenties, low thirties.

当然。好的。我会这样做，因为你们每月有2700美元用于偿还债务。嗯。我会试着计算——也许你们已经制定了非常严格的预算。

Sure. Okay. So what I would do because y'all you guys have 2,700 a month going out to debt. Mhmm. And I would I would figure out maybe you already have a really tight budget to figure out.

你们目前居住的房子没有房贷，但我会计算食物、水电费、汽车油费等必要开支。嗯。然后算出最低生活所需。我不知道这对你们来说是多少，可能是4000或5000美元。

You don't have a mortgage payment on the house you're currently living in, but I would figure out food, utilities, gas for the cars, like the things that you guys have to have Mhmm. And figure out, okay. Here is the minimum that we can scrape by. And I don't know what that is gonna be for you guys. I don't know if it's 4,000, 5,000.

我完全没概念。但你们需要把债务也算进去。如果我是你们——我太着急了，甚至无法想象你卧床休息时还要面对这些——他拿到任何遣散费了吗？

I have no idea. But you guys need to figure that out with the debt included. And if I were you, which I'm so urgent, so I can't even imagine how you're feeling that you're on bed rest and, like, this is happening, did he get any severance at all?

没有。没有遣散费。

No. No severance.

好的。房子那边进展如何？要我说，我会催房产经纪人说必须尽快成交，最好30天内拿到报价完成交易。

Okay. What's the what's the movement on the house? Is there anything like, I would be on my realtor like, we gotta close. Like, we gotta get an offer and close in thirty days.

我们从六月份就开始挂牌出售，最初标价290万，现在已经降了3万。

We've we've had the house listed since June, and it was originally listed at $2.90. And we've dropped it 30 k.

你什么时候投放的？

When did you do the drop?

五个月前。

Five months.

哦，是逐步进行的。好吧。

Oh, it's been gradual. Okay.

是逐步进行的。

It's been gradual.

是啊。嗯，平均来说

Yeah. Well, average

降低了。我想我们最后一次投放大约是在一周半前

dropped it down. I think the last drop we did, like, a week and

左右。目前平均停留时间是两个月。你们稍微超过了这个时间，可能是价格问题。

a half. Yeah. Average is two months right now sitting. So you guys are over that a little bit. So It might be a price thing.

是的。我和Jade在一起，你知道的，你们现在最紧急要做的事情，但收入方面也同样紧迫。如果我是他，你知道，我现在不会在意是否匹配，因为情况会好转的。对吧？等孩子出生、房子卖掉后，压力就会开始缓解，生活会继续的。

Yeah. So I I am with Jade, you know, if you what what you guys can do to to be urgent on that, but even urgent on the on the income side. Like, if I were him, you know, I wouldn't I wouldn't care if it's comparable for right now because some things are gonna turn. Right? This after, you know, you have the baby, the house sells, like, some things are gonna start to, like, alleviate some stress, right, as life continues on.

我是说，大概就在接下来六七个月内。但在此之前，我觉得至少要到夏天。这是我心里的预期。我得去做点什么。是的。

I mean, it'll be in the next, you know, six, seven months. But until then, in these next I mean, I would think until, like, summer. Like, that would would be in my head. I gotta go do anything. Yeah.

只要能维持现状，做什么都行。Nancy，我也希望他能申请，他之前做的工作显然创造了很高的市场价值，他一定能找到新机会。你知道吗？人类天性里总有种假设，觉得失去的东西永远无法被更好的替代，所以我们往往会降低标准，尤其是在裁员的情况下。

Anything to be able to stay current on this stuff. And and my hope is too, Nancy, that he that he does apply and that what he was doing obviously was bringing market value of something that was fantastic and that he can find something. You know? I think there's always a natural assumption in our human spirit that we if we lose something, that the next thing's never gonna be as good. And so we're probably gonna have to always downgrade, especially if there's, like, a layoff situation.

但事实并非总是如此。

But that's not always the case.

没错。我觉得你们俩今晚必须坐下来决定，无论发生什么，绝不能因此陷入疯狂负债。哪怕他明天就去开Uber，有收入总比没收入强。因为一千美元对你们来说——听众朋友们这就是为什么我们总说买房前要有3-6个月应急资金——你们现在真的被逼到绝境了。必须要有这个准备。是的。

Yeah. I think both of you have got to sit down tonight and decide that come hell or high water, like, debt, you're not gonna go crazy into debt because of this. Like, even if he's picking up Uber tomorrow, like, any money coming in is gonna be better than no money coming in because with a thousand dollars, yeah, you guys are you guys are up against the wall, which is for the listening audience why we always say you gotta have three to six months of expenses before buying a house. You've just gotta have it. Yep.

就算你指望另一套房子的钱，没到手就不算你的。这是给所有听众的忠告。Nancy，我们真心希望他能尽快找到工作。前几天我们接到个电话，有人失业了，我要给你们布置和他一样的家庭作业：今晚列个清单。

Even if you're counting on another house to spend, money's not yours until it's in your hand. Like, that's this is a cautionary word for the wise for for everybody else listening. And yeah. For you guys, Nancy, I mean, we're pulling for you whatever he can get immediately. I I we had a call the other the other day where a guy lost his job and I'm I I'm gonna give you the same homework that I gave him, which is to make a list tonight.

你们坐下来，列出所有在那个领域工作或认识相关人士的熟人，然后打电话联系。别只是发短信，要打电话说'嘿，我正在找工作，有什么消息吗？'尽可能多建立这种人际联系。他应该多和人喝咖啡见面，因为这才是找到工作的方式。

You guys sit down, make a list of everybody you know that's in that field or know somebody that's in that field and call them, like make contact. Don't just text them, call them and say, hey, I'm in the market, do you know anything? Have you heard anything? And really start making those connections person to person as much as you can. He should be going to coffee with people and because that's the way you're gonna get a job.

现在光在网上投简历已经行不通了。所以今晚就把清单列出来，你们得亲自去跑跑看。

Just putting in resumes, you know, on the Internet doesn't work anymore. So make that list tonight, and you guys hit the pavement

关于这点。是的，完全同意，南希。哦，我真的很抱歉。我能想象压力有多大，但我相信等钱开始进账时压力会减轻的。是的。

on that. Yeah, absolutely, Nancy. Oh, I'm so sorry. I could only imagine how stressful, but I think the stress will lower when money starts coming in. Yeah.

在这个特殊时期，我们要看的是他能以任何可能的方式做到什么程度。我确信他也深有同感。但没错。再说一遍，那份预算——计算出你们在食物、水电等基本开支上最低能压缩到多少，取消订阅服务，不外食，你们现在要过极简生活。现在算是危机应对模式。

In any way that's possible for him in this season, that's what we're looking at. And I know I'm sure he feels it too. But yeah. So and again, that budget, figuring out how much on the minimal side that you guys can spend on food, utilities, all of that, cutting subscriptions, not going out to eat, you guys are bare bones. It's kind of that crisis mode right now.

这没什么。你们会挺过去的。一定会挺过去的。他会找到新工作。房子也会卖掉的。

And that's okay. And you're going to get through it. You're going to get through it. And he's going to find another job. The house is going to sell.

事情都会好起来的。但现在，我们必须勒紧裤腰带。嘿，大家好。我是瑞秋·克鲁兹，有个好消息要告诉你们。拉姆齐圣诞现金大放送活动开始了。

Things are going to happen. But for now, we are going to buckle down. Hey, guys. It's Rachel Cruz, and I've got great news for you. The Ramsey Christmas cash giveaway is here.

我们每周会送出500美元，还有5000美元现金大奖。听着。你可以每天参与来增加中奖几率，而且完全免费。只需访问ramsaysolutions.com/giveaway。重复一遍：ramsaysolutions.com/giveaway。

We are giving away 500 every week plus a grand prize of $5,000 in cash. Listen. You can enter daily to boost your chances of winning, and there's no purchase necessary. Just go to ramsaysolutions.com/giveaway. That's ramsaysolutions.com/giveaway.

祝大家好运。每个人都需要保险，但很难找到不只为赚钱、真正懂行且愿意帮助你的专业人士。通过拉姆齐可信保险专家，你永远不必应付卑鄙商家或油滑销售，因为他们都经过面试、审查和培训，确保成为以你利益为先的市场专家。访问ramseysolutions.com/coverage寻找所需保险类型，对接拉姆齐认证代理。若通过YouTube或播客收听，也可点击描述区链接。

Good luck, you guys. Everyone needs insurance, but it can be hard trying to find a pro who's not just looking to make a buck, but agents that actually know their stuff and they're wanting to help you. So with a Ramsey Trusted Insurance Pro, you'll never have to deal with a sleazy business or slimy salespeople because they're all interviewed, they're vetted and coached to make sure that they are market experts when it comes to your best interest. So go to ramseysolutions.com/coverage to find the type of insurance that you're looking for and connect with a Ramsey trusted agent. Or you can click the link in the description if you are watching on YouTube or listening on podcast.

好的，让我们连线俄勒冈州波特兰市的玛丽。嗨，玛丽，欢迎来到节目。

Alright. Let's go to Mary in Portland, Oregon. Hi, Mary. Welcome to the show.

嗨，你好。

Hi. Hello.

你好，你好。今天我们能帮上什么忙？

Hello. Hello. How can we help today?

哦，非常感谢你们愿意倾听这个故事并给出建议。基本上，我和丈夫除了房贷外没有其他债务，他是个十足的DIY爱好者，工作非常努力。他是块未经雕琢的钻石。二十三年前我们结婚时买了10英亩地，上面有个单宽活动房屋，本打算自建住房，但你知道生活总有意外。我们五口人曾挤在850平方英尺的空间里。

Oh, thank you so much for just hearing this story out and giving your thoughts. So, basically, my husband and I, we're debt free except for our mortgage, and, he is a hardcore do it yourselfer, works really hard. He's a diamond in the rough. He, we bought 10 acres twenty three years ago when we got married with a single wide mobile home on it with the intention to build, and, you know, life happens. And, there was five of us in 850 square feet.

所以他发挥所长，给活动房屋加盖了附加部分，但失败了。现在有严重霉菌问题，必须拆除。他想重建，而我认为我们该新建房屋或搬入双宽活动房屋。我们甚至考虑过搬家，但马上要有新生儿了。

So him being him, built an addition onto the mobile home that has, failed. We have extreme mold, and, it it needs to be torn down. He wants to rebuild it. And I think that we should either build or bring in a double wide mobile home. We've even looked at moving, but with a brand new grandbaby on the way.

加上我母亲最近刚住进辅助生活机构，我觉得搬家不太现实。所以我们很想知道，当你们处于这种情况——房贷所剩不多却要考虑新增房贷时，会怎么做？

And my mom just recently in assisted living, I don't think that that's just an option. So we're kinda curious. What would you do when you're in this situation when you really don't owe much on your mortgage, and you're looking at adding another mortgage?

嗯，有个问题。为什么不能搬家呢？你提到孩子和母亲。是因为不想离开这个地区还是这块地？

Yeah. Just a question. Why can't you move? You said a baby and your mother. Is it because you don't wanna leave the area or the property?

因为你可以搬到别的地方去。我并不是说这是唯一的选择。我只是想确认我听懂了你的意思。

Because you could move somewhere else. I'm not saying that's the option. I'm just making sure that I've that I heard you correctly.

简单来说，我们的家人都在这里，而且我们住的地方物价极高，我们根本不可能再买到现在这样的房产。我丈夫在自家土地上建了个店铺，他一直在那里工作。所以这意味着要放弃这些，放弃我们的额外收入。我们无法找到替代品，除非搬到很远的地方。

Basically, it's family that's here, and, we live in an area that's extremely expensive, and we could never purchase what we have right now and replace it. My husband has built a shop on the property that he has worked out of. And, so that would mean leaving that and leaving our extra income. We just couldn't replace it. We'd have to move really far away.

明白了。好的。你们家是不是有25英亩地？

Sure. Okay. And you guys have is it 25 acres?

我们有10英亩地。

We have 10 acres.

10英亩地。好的，明白了。那现在这个活动房值多少钱？

10 acres. Okay. Perfect. And how much is the mobile home worth right now?

你是说现在的贷款余额吗？是的，我们还欠9万5千美元。

You mean, like, the current mortgage? Yeah. We owe 95,000.

好的。那你们一年收入大概多少？

Okay. And how much do you guys make a year?

一年，他的年薪是8万美元。这还不包括任何额外收入。

A year, he's at 80,000 a year. That doesn't include any of the extras.

好的。平均来说，他还能赚多少额外收入？

Okay. On average, what does he make extra?

这个我说不准。时有时无的，所以我们并不真的依赖这部分收入。可能每个月大概几千美元吧。

That one, I couldn't say. It kinda comes and goes, and so we don't really rely on it. And it it could be a couple thousand every month or so.

那我能不能问个关于扩建部分的问题？你们最初有个活动房屋，后来又扩建了。只有扩建部分有霉菌问题，对吗？

So can I ask a question about the addition? So you've got you had the initial mobile home, then you added an addition. The addition is the only place that has mold. Right?

据我所知，除了扩建部分，我们还没深入检查其他区域。

As I far know, we haven't dug too far into it other than the addition yet.

那你们家有多少口人？是不是只有...

So if you were to how how many in your family? Is it just

我们家有五口人。

There's there's five of us.

我们五个人。所以如果拆除扩建部分，大家能暂时待在房子的原始区域吗？或者，我不清楚这个空间有多大。

Five of us. So if you were to remove the addition, could everybody temporarily be in the initial part of the house? Or, like, I don't know how large this is.

850平方英尺。是的，虽然会有点挤，但我们可以做到。

It's 850 square feet. Yeah. I mean, it would be tight, but, yeah, we we could do that.

费用是多少？我很想知道拆除扩建部分的成本，以及再建一个新扩建部分的费用。

How much would it cost? I I'd love to know the numbers of what it would cost to remove the addition and then what it costs to add another addition.

我丈夫坚持自己动手，不让别人插手。

My husband's all himself. He won't let anyone else do it.

所以K，听着，他可能别无选择。我是说，你懂我的意思吗？人们往往因为固执己见而陷入困境——比如‘他不愿意做’之类的。玛丽，我更多是在对他说，你们现在的情况...我不知道，这可能不得不成为一个选项。

So K. Well on Still, he well, he may not have an option. I mean, like, you know what I mean? Like, that's that's where people pin themselves into bad situations is because, well, he won't do it or, you know and I'm talking more to him than you, Mary, that, you know, you guys are in a situation that it's like, I don't know. I don't it may have to be an option.

你明白吗？就因为他自尊心作祟，想完全靠自己处理，结果显然行不通。所以我们需要考虑所有可能的方案，对吧？你能理解这种感受吗？但他连考虑都不愿意考虑？

You know what I mean? Like, just taking it off completely because of his pride, and he doesn't wanna he just wants to do everything himself, which obviously didn't work. So we need all the options in the world. Right? Do you feel that way, but he, like, won't even he won't even entertain the idea?

不，他会考虑的。任何建议他都愿意听取，他非常开明。我们只是想做出正确的财务决策，毕竟我们的房产负债不多。

No. He will. He'll he'll entertain any of the ideas. He's phenomenal. We just wanna make a a financial decision that's correct, you know, because we don't owe much on our property.

他更像是那种一旦还清债务就能松口气、有喘息空间的人，但我们却无家可归。

He is more of the type that once it's paid off, he can breathe, and he has room, but yet we have no home to live in.

是啊，你们没法在发霉的房子里住。所以我再问一次：不管谁来施工，拆掉屋顶要多少钱？换新屋顶又要多少钱？

So Yeah. You can't live in mold. So again again with my other question is, regardless who does the work, what's it cost to tear it off, and what's it cost to put a new one on?

我是说，拆除部分他应该会自己动手，所以除了运垃圾的费用外，拆屋顶基本不用花钱。

I mean, I guess tearing it down, he would do, so it wouldn't cost anything to tear it down other than taking things to the

垃圾场。好吧。那就是免费。免费。行。

dump. Okay. So free. Free. Okay.

然后重建的话，我记得我们当初建它大概花了5到7千美元。

And then and rebuilding it, I think it cost us maybe 5 to 7,000 to build it.

好的。那这就是我们要解决的等式了。多久能完工？现在问题是——所以我刚才问——大家能都住在主屋那边吗？因为你们必须搬离发霉的环境。

Okay. So then that would that's the equation we're solving for. How quickly? Now if you have to that's why I asked, can everybody stay in the main side? Because you gotta get out of the mold.

所以情况就是

So it's like

对。

Right.

先把这件事完成，然后计算一下以你现有的盈余，多久能存下5000到6000美元？因为没有其他债务，你应该有不少闲钱。我是说，可能不算太多。你们一家五口年收入8万，但玛丽，你有工作吗？

Getting that done and then doing the math of how quickly can you save $5,000 to $6,000 with the margin that you have? Because there's no other debt. You should have a decent amount of margin laying around. I mean, maybe not a decent amount. You're a family of five on 80,000, but Do you work, Mary?

嗯，我在家教育孩子。

Mhmm. I homeschool my kids.

好的。

Okay.

是的，所以，没错，我有工作。

Yeah. So, yes, I do.

对。不。合理。合理。我不该说‘是的’。

Yeah. No. Fair. Fair. I shouldn't yes.

不该这么表述。

Is there phrase it that way.

但我还是要问同样的问题，因为你全职工作，你丈夫也全职工作。你们俩都得做些副业来增加收入，才能尽快攒够这5000到7000美元，因为你们会感受到彼此在那个特定部分的存在。

But I I say I'm still gonna ask the same question because you work full time. Your husband works full time. Both of you are gonna have to do something on the side to bring in income in order to save up this 5 to $7,000 as quickly as possible because you guys are gonna feel each other's presence in in that single part of that

他的副业，我是说，你说大概每月1000到2000美元，但我们并不太指望它。我会把它当作目标，说我们需要在未来三个月至少存2000美元，这样就有6000美元了。然后我们就可以开始扩建，这需要几个月时间来完成。

mobile His side business, I mean, you said kind of like, well, it's like around a thousand, maybe 2,000 a month, but we don't really count on it. I would be counting. I mean, I would I would make it a goal to say we need to save at least $2,000 for the next three months. That's 6,000. So then we can start the addition, and that'll be a couple of months to do that.

所以，你知道的，生活到了五月、六月就会不一样。嗯。如果你们真的下定决心说，嘿，不行。不行。

And so, you know, life looks different come, you know, May, June. Mhmm. If you guys actually buckle down and say, hey. No. No.

不行。我们要额外工作让这件事真正实现。

No. We are gonna work extra to make this actually happen.

是的。我担心的一点是，一旦你住进移动房屋，拆掉部分结构并添加新部分，这是不合法的。而且如果房子烧毁，保险也不会赔偿。

Yeah. The one thing that concerns me is the fact that once you, get into a mobile home and you take parts out of it and you add new parts in, it's not legal. And also insurance doesn't cover you if your house burns down.

所以你的意思是，你丈夫不能自己动手，必须雇专业人士来做？

So that means so what you're saying is your husband can't do the work. You have to hire a professional.

我认为法律上不允许在移动房屋上扩建。

I don't think legally you can build an addition onto a mobile home.

但他确实这么做了。你一直忍受着这种情况，而且你本来不会说出来——别误会我的意思。我不是说你需要做合法的事，但我想问的是，当初为什么没有这种逻辑？

But he did. And you were living with that and you wouldn't have said it I'm don't get me wrong. I'm not saying that you need to do something legal, but where was that logic the first time, I guess, is what I'm asking.

我丈夫做事有自己的原则。

My husband does things on his own terms.

明白了。玛丽，帮我个忙。当你打电话来提问时，瑞秋的第一反应是你需要搬到别处去。而你当时的反应是这不可能。所以现在我们试着进入你的世界，说：好吧。

Got you. So, Mary, help me with this. When you called in with the question, Rachel's first thing was you you need to move somewhere else. And you were like, that's impossible. So now we're now we try to go into your world and say, okay.

那我们就重新规划吧。问题是这样的——那么你想怎么做？

Well, then let's just rebuild. You're And like, well, here's the problem. So what do you want to do?

我的意思是，我什么都可以考虑。这就是我打电话的原因。

I mean, I'm open to anything. That's why I was calling

并不是什么都可以考虑，因为你拒绝搬家，而且你...听着，我是站在你这边的，但只是把你刚才的话复述给你听。搬家太贵了，而且你对加建部分的合法性有顾虑。所以你有这些担忧，那就必须做出选择——我们有没有漏掉什么选项？

not open to anything because you're not open to moving and you have No. I'm Well, I'm listen, I'm on your side, but I'm just saying what you said back to you. You're not moving is too expensive and you're concerned with the legality of the addition. So there you have some qualms. So you're gonna have to choose, is there an option that we didn't think of?

你是否在考虑：干脆不要活动房屋了，我们自己盖房子？告诉我们你的想法，我们才能帮你实现。

Is Are you thinking, hey, scrap the mobile home and let's build our own home? You tell us what you're thinking of doing so we can help you get there.

玛丽，这大概就是我会考虑的方向——把建造房屋设为目标。虽然显然会更昂贵，而且会增加抵押贷款，但我希望你们能这么做。因为移动房屋的价值，你知道，有时取决于市场行情。

That's probably what I would look at anyways, Mary, to make it a goal to build something. It'd obviously be more expensive and it would be adding on a mortgage. I want you guys to do that. But having something that, you know, because mobile homes, I mean, depending on sometimes. The market Yes.

有时它们确实会贬值。所以从财务角度看，拥有一个能为家庭长期提供稳定保障的资产，我认为是个很棒的目标。那10英亩土地上有适合建造的地块吗？我猜肯定有的。

Sometimes they do go down. And so having something from a financial standpoint that's really steady for your family long term, I think, is a is a great goal. Is there is there a building plot on that land, on that 10 acres? I mean, I'm sure there is.