Sarah Cunnane

莎拉·坎南(Sarah Cunnane

Fri, January 22, 2021, 7:20 AM


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.


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.


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



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


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.


“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.


2.Don’t try to justify frivolous purchases



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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.


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


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.


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.


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



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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.


“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.


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.


4.Don’t buy new



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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.


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.


“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.


5.Don’t spend when you can invest



 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.


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


“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."


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.


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.


6.Don’t go to a fancy college



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


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.


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.


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


“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.


7.Don’t splurge once you graduate



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


“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.


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.


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.”


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