<p>最近在《拉姆齐秀》上，由 <strong>乔治·卡梅尔</strong> 和 <strong>杰德·沃肖</strong> 主持的一次电话咨询发生了急剧转变，因为一位听众提出了一个看似简单的关于信用卡债务的问题。</p>
<p>这位来电者想知道他应该专注于偿还高余额但利率为 0% 的信用卡，还是利率较高但余额较小的信用卡。</p>
<h2>债务雪球法与雪崩法</h2>
<p>卡梅尔插话说：“这很简单，但很难理解并完全付诸行动。” 他说：“数学上讲，为什么要先偿还利率最高的债务，因为你能省下最多的钱，对吧？但我们发现，真正成功摆脱债务的人都是使用债务雪球法。”</p>
<p><strong>不要错过：</strong></p>
<ul>
<li><strong>受 Uber 和 Airbnb 启发——德勤最快增长的软件公司正在将 70 亿部智能手机转变为收入生成资产——只需$1,000，你就可以以每股仅$0.26 进行投资！</strong></li>
<li><strong>贝索斯最喜欢的房地产平台推出了一种方式来利用持续的私人信贷热潮</strong></li>
</ul>
<p>债务雪球法并不关注利率，而是优先偿还余额最小的债务。“你可以忽略利率。想象一下它不存在——0% 或 50%，只需先偿还余额最小的债务，” 卡梅尔说。这个想法是，先偿还小额债务可以建立动力并帮助改变行为，这最终能让人们摆脱债务。</p>
<p>当来电者透露他总共有超过$220,000 的债务（不包括抵押贷款）时，谈话发生了转变。这包括$15,000 的信用卡债务、$18,000 的商业债务和约$80,000 的汽车贷款。</p>
<p><strong>热门话题：许多人正在使用退休收入计算器来检查他们是否在按计划进行——以下是这一公式背后的详细信息。</strong></p>
<p>卡梅尔震惊了。“你年收入$60,000，却欠$80,000 的汽车贷款？” 她问。来电者解释说，他最近买了一辆新 Kia，欠$53,000，尽管现在它的价值只有约$45,000。每月还款为$757。</p>
<p>“你还以为，‘天哪，我在这件事上赚了大钱！’” 卡梅尔开玩笑道，显然对此感到难以置信。</p>
<p>结果发现，这名男子还欠$30,000 的面包车，而它的价值仅为$20,000。两辆车的还款压得他的月预算喘不过气来。“你因为这些车而陷入困境，” 沃肖直言不讳地说。“这两辆车今天就得卖掉。”</p>
<p><strong>_另见：</strong><em>‘我该从哪个账户先提取？’ 苏茜·奥尔曼向 67 岁的老人解释了提取退休账户的最佳顺序</em><strong>_</strong></p>
<p>除了车辆债务，来电者还有一个复杂的财务故事：他最近失去了父亲，经历了没有遗嘱的遗产认证，继承了一套他现在每月支付$1,200 的房子，并且在单一收入的情况下养活他的未婚妻和他们三个不到两岁的孩子。他还提到每月$300 的太阳能电池板，他本来并不想要。</p>
<p>尽管如此，他还是设法存下了$1,000——这是拉姆齐计划中的第一步——并且每月通过副业额外收入$2,000 到$3,000。他的未婚妻是一名全职妈妈，也通过一家多层次营销公司推广护发产品赚取几百美元。</p>
<p>但卡梅尔警告不要依赖多层次营销的收入。“谷歌一下这家公司的披露声明，” 他说。他们在法律上必须披露有多少人赚钱。“我认为这不是你们的出路。”</p>
<p><strong>接下来阅读：</strong></p>
<ul>
<li><strong>黑石公司称 2025 年为另类资产之年。来自纽约的一家公司悄然建立了一个超过 60,000 名投资者的群体，他们都参与了这一之前仅限于贝索斯和盖茨等亿万富翁的另类资产类别。</strong></li>
<li><strong>如果你 35 岁、50 岁或 60 岁：到现在你应该存下或投资多少</strong></li>
</ul>

DAVE

<p>在《拉姆齐秀》上，一位来电者寻求关于管理信用卡债务的建议，但他透露自己总债务超过 22 万美元，其中包括 8 万美元的汽车贷款。主持人批评他融资购买 5.3 万美元的起亚汽车的决定，而这辆车现在的价值为 4.5 万美元，并建议他出售两辆车。尽管面临财务困境，他已经存下了 1000 美元，并通过副业获得额外收入，但被警告不要依赖多层次营销的收入</p>

<p>A recent call on “The Ramsey Show,” hosted by <strong>George Kamel</strong> and <strong>Jade Warshaw</strong>, took a sharp turn after a listener asked a seemingly straightforward question about credit card debt.</p>
<div class="lb-trans"><p>最近在《拉姆齐秀》上，由 <strong>乔治·卡梅尔</strong> 和 <strong>杰德·沃肖</strong> 主持的一次电话咨询发生了急剧转变，因为一位听众提出了一个看似简单的关于信用卡债务的问题。</p>
</div><p>The caller wanted to know if he should focus on paying off credit cards with 0% interest but high balances, or the ones with higher interest rates and smaller balances.</p>
<div class="lb-trans"><p>这位来电者想知道他应该专注于偿还高余额但利率为 0% 的信用卡，还是利率较高但余额较小的信用卡。</p>
</div><h2>Debt Snowball vs. Avalanche</h2>
<div class="lb-trans"><h2>债务雪球法与雪崩法</h2>
</div><p>Kamel jumped in: &#34;It's simple but it's hard to grasp and to fully just take action on,&#34; he said. “The math says why would you knock out the highest interest first because you’re saving the most money, right? But what we've found is that people who actually successfully get out of debt once and for all do it using the debt snowball method.”</p>
<div class="lb-trans"><p>卡梅尔插话说：“这很简单，但很难理解并完全付诸行动。” 他说：“数学上讲，为什么要先偿还利率最高的债务，因为你能省下最多的钱，对吧？但我们发现，真正成功摆脱债务的人都是使用债务雪球法。”</p>
</div><p><strong>Don't Miss:</strong></p>
<div class="lb-trans"><p><strong>不要错过：</strong></p>
</div><ul>
<li><strong>Inspired by Uber and Airbnb – Deloitte's fastest-growing software company is transforming 7 billion smartphones into income-generating assets – with $1,000 you can invest at just $0.26/share!</strong></li>
<li><strong>Bezos' Favorite Real Estate Platform Launches A Way To Ride The Ongoing Private Credit Boom</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>受 Uber 和 Airbnb 启发——德勤最快增长的软件公司正在将 70 亿部智能手机转变为收入生成资产——只需$1,000，你就可以以每股仅$0.26 进行投资！</strong></li>
<li><strong>贝索斯最喜欢的房地产平台推出了一种方式来利用持续的私人信贷热潮</strong></li>
</ul>
</div><p>Instead of focusing on interest rates, the debt snowball method prioritizes paying off the smallest balances first. “You can cross out the interest rate. Imagine it doesn't exist—0% or 50%, just pay off the smallest balance first,” said Kamel. The idea is that paying off smaller balances first builds momentum and helps change behavior, which is what ultimately gets people out of debt.</p>
<div class="lb-trans"><p>债务雪球法并不关注利率，而是优先偿还余额最小的债务。“你可以忽略利率。想象一下它不存在——0% 或 50%，只需先偿还余额最小的债务，” 卡梅尔说。这个想法是，先偿还小额债务可以建立动力并帮助改变行为，这最终能让人们摆脱债务。</p>
</div><p>The conversation took a turn when the caller revealed he had more than $220,000 in total debt—excluding his mortgage. That included $15,000 in credit cards, $18,000 in business debt, and about $80,000 in auto loans.</p>
<div class="lb-trans"><p>当来电者透露他总共有超过$220,000 的债务（不包括抵押贷款）时，谈话发生了转变。这包括$15,000 的信用卡债务、$18,000 的商业债务和约$80,000 的汽车贷款。</p>
</div><p><strong>Trending: Many are using retirement income calculators to check if they’re on pace —here’s a breakdown on what’s behind this formula.</strong></p>
<div class="lb-trans"><p><strong>热门话题：许多人正在使用退休收入计算器来检查他们是否在按计划进行——以下是这一公式背后的详细信息。</strong></p>
</div><p>Kamel was floored. &#34;You make $60,000 a year and you owe $80,000 in auto loans?&#34; she asked. The caller explained that he had recently bought a new Kia, owing $53,000 on it, even though it's now worth only about $45,000. The payment is $757 a month.</p>
<div class="lb-trans"><p>卡梅尔震惊了。“你年收入$60,000，却欠$80,000 的汽车贷款？” 她问。来电者解释说，他最近买了一辆新 Kia，欠$53,000，尽管现在它的价值只有约$45,000。每月还款为$757。</p>
</div><p>&#34;And you thought, ‘Man, I'm taking them to the cleaners on this one!’&#34; Kamel joked, clearly in disbelief.</p>
<div class="lb-trans"><p>“你还以为，‘天哪，我在这件事上赚了大钱！’” 卡梅尔开玩笑道，显然对此感到难以置信。</p>
</div><p>As it turned out, the man also owed $30,000 on a minivan worth only $20,000. Between both cars, the payments were choking his monthly budget. &#34;You are sinking because of these cars,&#34; Warshaw said bluntly. &#34;Both of these cars need to go today.&#34;</p>
<div class="lb-trans"><p>结果发现，这名男子还欠$30,000 的面包车，而它的价值仅为$20,000。两辆车的还款压得他的月预算喘不过气来。“你因为这些车而陷入困境，” 沃肖直言不讳地说。“这两辆车今天就得卖掉。”</p>
</div><p><strong>_See Also:</strong><em>‘Which Bucket Do I Draw From First?’ Suze Orman Explains To 67-Year-Old The Best Order For Tapping Into Her Retirement Accounts</em><strong>_</strong></p>
<div class="lb-trans"><p><strong>_另见：</strong><em>‘我该从哪个账户先提取？’ 苏茜·奥尔曼向 67 岁的老人解释了提取退休账户的最佳顺序</em><strong>_</strong></p>
</div><p>Outside of the vehicle debt, the caller had a complicated financial story: He had recently lost his father, gone through probate without a will, inherited a home he's now paying $1,200 a month for, and is supporting his fiancée and their three babies under two years old on a single income. He also mentioned solar panels costing $300 a month that he didn't want in the first place.</p>
<div class="lb-trans"><p>除了车辆债务，来电者还有一个复杂的财务故事：他最近失去了父亲，经历了没有遗嘱的遗产认证，继承了一套他现在每月支付$1,200 的房子，并且在单一收入的情况下养活他的未婚妻和他们三个不到两岁的孩子。他还提到每月$300 的太阳能电池板，他本来并不想要。</p>
</div><p>Despite all of this, he had managed to save $1,000—Baby Step 1 in the Ramsey plan—and was bringing in an extra $2,000 to $3,000 a month from a side hustle. His fiancée, a stay-at-home mom, also earns a few hundred dollars promoting hair care products through a multi-level marketing company.</p>
<div class="lb-trans"><p>尽管如此，他还是设法存下了$1,000——这是拉姆齐计划中的第一步——并且每月通过副业额外收入$2,000 到$3,000。他的未婚妻是一名全职妈妈，也通过一家多层次营销公司推广护发产品赚取几百美元。</p>
</div><p>But Kamel warned against counting on the MLM income. &#34;Google the disclosure statement for this company,&#34; he said. They legally have to disclose how many people make money. “I don't think this is the way out for you guys.”</p>
<div class="lb-trans"><p>但卡梅尔警告不要依赖多层次营销的收入。“谷歌一下这家公司的披露声明，” 他说。他们在法律上必须披露有多少人赚钱。“我认为这不是你们的出路。”</p>
</div><p><strong>Read Next:</strong></p>
<div class="lb-trans"><p><strong>接下来阅读：</strong></p>
</div><ul>
<li><strong>BlackRock is calling 2025 the year of alternative assets. One firm from NYC has quietly built a group of 60,000+ investors who have all joined in on an alt asset class previously exclusive to billionaires like Bezos and Gates.</strong></li>
<li><strong>If You're Age 35, 50, or 60: Here’s How Much You Should Have Saved Vs. Invested By Now</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>黑石公司称 2025 年为另类资产之年。来自纽约的一家公司悄然建立了一个超过 60,000 名投资者的群体，他们都参与了这一之前仅限于贝索斯和盖茨等亿万富翁的另类资产类别。</strong></li>
<li><strong>如果你 35 岁、50 岁或 60 岁：到现在你应该存下或投资多少</strong></li>
</ul>
</div>

Dave Ramsey 的来电者询问如何还清信用卡债务——但因欠下 52,000 美元的 Kia 车贷而被批评——‘你因为这些车而陷入困境’