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美国财经作家戴夫·拉姆西:你不能取得成功的10个原因

美国财经作家戴夫·拉姆西:你不能取得成功的10个原因



Sarah Cunnane

莎拉·坎南(Sarah Cunnane

Fri, January 22, 2021, 7:20 AM

2021122日,星期五,上午7:20

戴夫·拉姆西(Dave Ramsey)说,这是您无法前进的10个原因.jpg

Dave Ramsey says here are 10 reasons you're not getting ahead.

戴夫·拉姆西(Dave Ramsey)说,以下是你不能取得成功的10个原因


Talk-radio host Dave Ramsey says you can solve your money troubles just as soon as you stop causing them.

广播电台主持人戴夫·拉姆西(Dave Ramsey)说,只要您停止造成金钱上的麻烦,就可以解决。


The money management guru has been doling out his signature blend of tough-love financial advice and Biblical wisdom since 1992. He learned it all the hard way: In his 20s, Ramsey built a million-dollar fortune flipping houses but lost it all when banks started calling in his debts. He had to buckle down to build back up from bankruptcy.

1992年以来,这名理财大师一直在奉献他的招牌招牌建议和圣经智慧的混合体。他从所有的艰难过程中学到了:20多岁的拉姆齐(Ramsey)建造了百万美元的翻新房屋,但是当银行倒闭时开始讨债。他不得不屈服于从破产中恢复过来。


Now his radio show is syndicated on more than 600 stations, and he’s the author of several books. He teaches Americans how to save more money and avoid wallowing in debt — even during the current financial crisis.

现在,他的广播节目已在600多个电视台上联合发布,并且他是几本书的作者。他教美国人如何省更多的钱,避免债务沉重,即使在当前的金融危机期间也是如此。


Here are 10 reasons you're not getting ahead, according to Dave Ramsey.

戴夫·拉姆西(Dave Ramsey)指出,以下是你不能取得成功的10个原因:


1.Don’t try to tackle your biggest debts first

不要尝试先解决最大的债务


不要尝试先解决最大的债务.jpg

Elnur / Shutterstock


When you’re deep in debt with multiple loans, freeing yourself can seem impossible. That’s why Ramsey suggests the “debt snowball method.”

如果您背负着多笔贷款的沉重债务,那么解放自己似乎就不可能了。这就是拉姆齐提出债务滚雪球方法的原因。


Rather than start with the loan with the highest interest rate, Ramsey says to pay off the loan with the lowest balance first, making only minimum payments on the rest. The idea is that each small victory inspires you to tackle bigger challenges.

拉姆齐说,与其从利率最高的贷款开始,不如先还清余额最低的贷款,其余的只付最低的钱。这个想法是,每一次小小的胜利都会激发您应对更大的挑战。


“It’s more about behavior change than numbers. Once your income is freed up, you can finally use it to make progress toward your savings goals,” Ramsey explains on his website.

更多的是行为改变,而不是数字。一旦您的收入被释放,您就可以最终使用它来实现您的储蓄目标。” Ramsey在他的网站上解释道。


The snowball method is one of Ramsey's most common pieces of advice but it's also controversial. If your credit score is hurting, it may be better to use an online service that can help you determine which bills to pay off first to get your score back up.

雪球法是Ramsey最常见的建议之一,但也引起争议。如果您的信用评分受到影响,最好使用在线方式这项服务来帮助您确定先付清哪些账单以恢复您的分数。


2.Don’t try to justify frivolous purchases

不要试图证明轻率的购买是合理的


不要试图证明轻率的购买是合理的.png

borevina / Shutterstock

博尔维纳/ Shutterstock


If you want to become financially independent, you’ll have to figure out where you can cut corners. That means no more lattes or new jeans.

如果您想在财务上变得独立,则必须找出可以偷工减料的地方。这意味着不再需要拿铁或新牛仔裤。


“But I work hard all day. I deserve it. Oh, call the wahhmbulance — we all work,” Ramsey said on his radio show.

但是我整天努力工作。我应得的。噢,叫呼呼呼唤-我们都在努力,拉姆齐在电台节目中说。


With just a bit of budgeting, most people learn they’re not nearly as strapped as they think they are. Overspending is what’s keeping Americans in debt, Ramsey says, especially the attitude that you deserve what you want.

仅需一点点预算,大多数人就会知道他们并没有像他们认为的那样受困。拉姆西说,超支是让美国人背负债务的原因,尤其是您应有的态度。


Each shopping trip helps fritter away your future, especially if you're not using money-saving tools including a free browser add-on that helps you find better prices online.

每次购物旅行都会帮助您摆脱将来的烦恼,尤其是如果您没有使用省钱的工具,包括免费的浏览器附加程序,可以帮助您在网上找到更优惠的价格。


3.Don’t buy with a credit card what you can buy with cash

不要用信用卡购买可以用现金购买的东西


不要用信用卡购买可以用现金购买的东西.png

Jacob Lund / Shutterstock

雅各布·隆德/ Shutterstock


Ramsey says you don’t need fancy software to help you save. Once you’ve worked out your monthly budget, withdraw that much cash from the bank and separate it into envelopes labeled gas, groceries, entertainment and whatever else you need.

拉姆齐说,您不需要精美的软件即可帮助您节省开支。计算完每月预算后,请从银行提取大量现金,然后将其分成标有汽油,食品,娱乐和其他所需物品的信封。


“Anytime you want to know how much money you have left to spend in your budget category, just take a peek in your envelope,” Ramsey said in a blog post.

拉姆齐在博客中说:任何时候,您都想知道预算中还有多少钱可以花,只看一眼就可以了。


It may sound old school, but the envelope system forces you to think about your expenses. It’s so easy to tap a credit card and forget about it, while cash makes you watch the money leave.

听起来有些老套,但是信封系统迫使您考虑费用。轻按信用卡即可忘却它,这很容易,而现金使您可以看着钱离开。


4.Don’t buy new

不要买新的


不要买新的.png

4 PM production / Shutterstock


Assuming your car has four wheels, that’s good enough for Dave Ramsey. Buying the newest model of anything is a waste.

假设您的汽车有四个车轮,对于戴夫·拉姆齐(Dave Ramsey)来说就足够了。购买任何事物的最新模型都是一种浪费。


“If you’re tired of the kitchen countertops or want to upgrade to the latest and greatest cellphone, think again … Don’t steal from your needs to pay for your wants,” he writes on his blog.

他在博客中写道:如果您厌倦了厨房台面,或者想升级到最新,最好的手机,请三思……不要从需求中窃取资金来满足您的需求。


Ramsey says no one should buy a new car, unless they have a net worth in excess of  $1 million. Cars lose a huge chunk of their value as soon as they’re driven off the lot.

拉姆齐(Ramsey)说,除非他们的净资产超过100万美元。汽车一被抛弃,就会立即失去其价值的很大一部分。


“The average millionaire drives a four-year-old car with 41,000 miles on it, and of course it’s paid for. They haven’t made a car payment in decades, which is why they’re millionaires,” he adds.

普通的百万富翁开着一辆有41,000英里行驶里程的四岁汽车,这当然是有偿的。他们几十年来没有付过车费,这就是为什么他们是百万富翁。他补充道。


5.Don’t spend when you can invest

不要在可以投资的时候花钱


不要在可以投资的时候花钱.jpg

 Andrii Yalanskyi / Shutterstock


When Ramsey appeared on Larry King Live in 2015, the Dow was doing well and unemployment was steadily decreasing. King wanted to know: If the economy’s so great, why are Americans still suffocating in debt?

当拉姆齐(Ramsey)在2015年出现在拉里·金(Larry KingLive上时,道指表现良好,失业率稳步下降。金想知道:如果经济如此好,为什么美国人仍然负债累累?


Ramsey said wage stagnation has played a significant factor, but that’s no excuse to let consumers off the hook.

拉姆西(Ramsey)表示,工资停滞是一个重要因素,但这并不是让消费者摆脱困境的借口。

“Americans have a spending problem,” he told King.

他对金说:美国人有消费问题。


“In order to make money on your mutual fund and your 401(k), you have to put money into your 401(k). If you had been doing that [since the 2008 recession] ... your money would have tripled."

为了在共同基金和401k)上赚钱,您必须将资金投入401k)。如果您一直这样做(自2008年经济衰退以来)……您的钱将会增加两倍。


You don’t reap the benefits of a flourishing economy by consuming even more; it’s investing that brings wealth. Set aside 15% of your monthly income, build it up, and then put it into the market at regular intervals.

您不会通过消费更多而获得繁荣的经济的好处;带来财富的投资。拨出您月收入的15%,积累起来,然后定期将其投入市场。


If you're not confident in your ability to invest on your own, you might lean on a fidicuary financial planner to help you with your portfolio.

如果您对自己的投资能力不自信,则可以依靠财务理财师来帮助您进行投资。


6.Don’t go to a fancy college

不要去上名牌大学

上学.png

ssguy / Shutterstock


You’re at the top of your class, so why wouldn’t you attend the best school?

您是班上的佼佼者,那么为什么不上最好的学校?


According to a 2018 university study, three quarters of all jobs that pay more than $35,000 are held by people with some form of higher education — but don’t set yourself up for failure by saddling yourself with debt.

根据2018年的大学研究,所有工作中有四分之三的薪水超过35,000美元由受过某种形式高等教育的人持有,但不要因背负债务而使自己陷入失败。


In 2020, the total amount of student debt in the United States is an estimate $1.56 trillion, and graduates are eager to find ways to deal with their unpaid loans.

2020年,美国学生债务总额为估计值总额为1.56万亿美元,毕业生渴望找到处理未偿还贷款的方法。


Ramsey says the important thing is getting a decent education without taking out a loan — not the prestige of an Ivy League school.

拉姆齐说,重要的是在不借贷的情况下获得体面的教育-而不是常春藤盟校的声望。


“That’s the biggest lie we’ve ever believed: where you went to school has some correlation with your future success. It has almost zero,” he told CNBC last year.

这是我们有史以来最大的谎言:您上学的地方与您未来的成功有一定的联系。它几乎为零。他去年告诉CNBC


7.Don’t splurge once you graduate

毕业后不要挥霍

毕业后不要挥霍.png

mimagephotography / Shutterstock


When you leave school and find your first real job, you might feel like you’ve got money to burn. Slow your roll.

当您离开学校并找到第一份真正的工作时,您可能会觉得自己有钱在燃烧。放慢脚步。


“I tell young people who call our radio show that you’re already used to living like a broke college kid, so keep living like one until you start making grown-up money,” Ramsey told CNBC in 2018.

Ramsey2018年对CNBC表示:我告诉参加我们广播节目的年轻人,您已经习惯了像一个破烂的大学生那样生活,所以要保持像一个人那样生活,直到您开始赚大钱为止。


You don’t have to resort to eating instant noodles and drinking instant coffee; it’s more about the mentality of making every penny count.

您不必求助于吃方便面和喝速溶咖啡;这更多地是要精打细算的心态。


By limiting your expenses and buying necessities on the cheap, Ramsey said, “you can clean up any debt you might have, build up your emergency fund and start saving for the things you want and need down the road like a better car and a down payment on a house.”

通过限制开支和廉价购买必需品,Ramsey说:您可以清理可能欠下的债务,建立应急基金,并开始为将来想要和需要的东西储蓄,例如买一辆更好的汽车和一辆卡车。付款。


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