戴夫·拉姆西：你不能取得成功的10个原因（上）

8.Don’t give your kids an allowance

不要给孩子零用钱

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Ramsey says America doesn’t have a debt crisis; it has a parenting crisis. Financial literacy starts at home, and parents are setting their kids up for failure by giving them an “allowance.”

拉姆齐说，美国没有债务危机；它有育儿危机。财务知识从家庭开始，父母通过给孩子“津贴”来使他们为失败做好准备。

“I just don’t like the word. Allowance kind of sounds like, ‘You’re not good enough, so I have to do something for you.’ It kind of sounds like welfare. Instead, we called it ‘commission.’ You got paid for doing chores. Work? Get paid. Don’t work? Don’t get paid,” he told CNN in 2014.

“我只是不喜欢这个词。津贴听起来像是“你不够好，所以我必须为你做些事情。”听起来听起来像是福利。相反，我们称其为“佣金”。您因做家务而得到报酬。工作？得到报酬。不工作吗不要得到报酬。”他在2014年告诉CNN。

Make no mistake, Ramsey said, all the work he made his kids do was age- appropriate. “You’re 4 years old, we’re not going to send you off to the salt mines,” he joked.

毫无疑问，拉姆齐说，他让孩子们做的所有工作都是适合年龄的。他开玩笑说：“您4岁，我们不会派您去盐矿。”

9.Don’t try to get rich too quickly

不要试图过快致富

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While it’s great to come into a sudden windfall, Ramsey says it’s better to build a fortune slowly and sustainably.

拉姆齐（Ramsey）表示，虽然突如其来的意外之财真是太好了，但最好还是缓慢而可持续地积累财富。

“Ninety percent of the [millionaires] I have met did it gradually,” Ramsey said on his radio show in 2017. “I’m not against getting money quickly ... but there are all kinds of problems that go with it when it comes quickly.... How often have we seen the young athlete get money and it destroys their life?”

拉姆西在2017年的广播节目中说：“我遇到的[百万富翁]中有90％是逐步做到这一点的。我并不反对迅速赚钱...但是当它很快到来的时候会有各种各样的问题.... 。我们有多少次看到年轻的运动员得到钱却毁了他们的生活?”

He said the Book of Proverbs sums it up: “Wealth grown hastily will dwindle.”

他说箴言书对此进行了总结：“仓促增长的财富将会减少。”

His advice isn’t just based on Biblical wisdom; Ramsey is also speaking from experience. He gained and lost a $4 million portfolio flipping houses before age 30.

他的建议不仅仅基于圣经的智慧。拉姆齐也是根据经验发言。在30岁之前，他赚了400万美元的投资组合却失去了一笔。

10.Don’t buy an engagement ring from a jewelry store

不要从珠宝店购买订婚戒指

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You want to dazzle her, but you shouldn’t start your life together with a pile of debt.

您想让她眼花一亮，但您不应该带着沉重的债务开始自己的生活。

On the Bobby Bones radio show in 2019, Ramsey was asked about the popular rule of thumb that helps suitors decide how much to spend on an engagement ring.

在2019年的Bobby Bones广播节目中，Ramsey被问到流行的经验法则，该法则可帮助求婚者确定订婚戒指上的花费。

“The jewelry stores say three months’ [salary]. I say one month,” he quipped.

“珠宝店说，三个月的薪水。我说一个月，”他打趣道。

“Diamonds are like furniture. They’ve got a huge market, so where you buy it can be very, very important. If you can go to a diamond broker or someone who knows a little bit about diamonds, even a high-end pawn shop, you can get [rings] for a quarter on the dollar. And really good stones.”

钻石就像家具。他们拥有巨大的市场，因此在哪里购买可能非常重要。如果您可以去钻石经纪人或对钻石了解一点的人，甚至是一家高档典当行，都可以用四分之一美元的价格买到[戒指]。和真正的好玉石

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来源于：yah