<p>许多人谈论如果他们在五年前购买了一只股票，他们的 $10,000 投资会变成什么。然而，有些人实际上会提前购买，并最终获得可观的收益。</p>
<p>有人在《拉姆齐秀》中打电话说，他 37 岁的姑姑拥有价值 $650,000 的特斯拉股票。她在特斯拉工作了六年，并没有动用这些股票。打电话的人表示谨慎，认为把所有的鸡蛋放在一个篮子里并不好。</p>
<p><strong>不要错过：</strong></p>
<ul>
<li><strong>‘滚动到 UBI’——德勤的第一快增长软件公司允许用户在手机上赚钱。您今天可以以每股仅 $0.26 的价格投资，最低投资为 $1000。</strong></li>
<li><strong>杰夫·贝索斯支持的 Arrived Homes 在夏洛特物业上达成大交易——投资者获得 34.7% 的回报</strong></li>
</ul>
<p>金融专家 <strong>戴夫·拉姆齐</strong> 对此评估表示赞同，并喜欢姑姑可以向侄子求助，而侄子告诉她要降低风险。视频对话最终在拉姆齐的频道上播出。他还分享了他会如何使用这笔钱，以及姑姑如何继续积累财富。</p>
<h2>关于姑姑的更多背景</h2>
<p>姑姑是一名项目工程师，年收入 $70,000。她每月只支付 $1,000 的租金，并且有 $20,000 的债务将在今年偿还。姑姑有退休投资，但没有现金储蓄。她希望等到资产达到 $1,000,000 时再出售，并且她也不想遭受巨额税收损失。拉姆齐对资本利得税提供了相当直白的建议。</p>
<p>“你会有税。欢迎来到赚钱的世界。”</p>
<p>拉姆齐接着解释说，这是一个好问题。他也没有贬低特斯拉股票。他表示，无论这 $650,000 是在特斯拉、苹果还是其他任何优质股票中，他都会持有相同的看法。拉姆齐相信投资组合多样化，而不是将大部分或全部资本分配到单一资产中。</p>
<p><strong>趋势：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，他们都参与了之前仅限于贝索斯和盖茨等亿万富翁的另类资产类别。</strong></p>
<h2>拉姆齐会如何使用这 $650,000</h2>
<p>我们不知道姑姑需要支付多少资本利得税。她需要对她的收益支付 15% 的资本利得税，但拉姆齐认为这是值得支付的费用。</p>
<p>拉姆齐鼓励姑姑将其视为厨房桌子上的 $650,000，而不是将其视为与特斯拉股票相关的资金。这位金融专家接着问，如果你看到那笔钱在你的厨房桌子上，你会怎么做。</p>
<p>虽然每个人对如何使用这笔钱有不同的想法，但拉姆齐根据姑姑的财务状况提供了建议。他表示，他会用这笔钱偿还债务，然后购买一套房子。</p>
<p>打电话的人提到他们之前是一个低收入家庭，因此姑姑用现金在她所在地区购买房子是可行的。这样，她就不必担心任何租金或抵押贷款支付。</p>
<p><strong><em>另见：</em>‘我应该从哪个账户先提取？’ 苏茜·奥尔曼向 67 岁老人解释提取退休账户的最佳顺序_</strong></p>
<h2>加大对退休账户的投资</h2>
<p>拉姆齐总结说，如果她将更多资金投入到退休账户中，她可以再赚取一百万。如果她遵循拉姆齐的方法，她将没有抵押贷款支付，并且能够更好地最大化她的 401(k) 计划和罗斯 IRA。</p>
<p>拉姆齐相信她每月可以投资接近 $5,000，这将是一个巨大的改变。特斯拉股票对她来说表现良好，但出售部分或全部股票可以打开更多的可能性。如果她明智地使用额外资金，她可以以可持续的方式提升生活质量。</p>
<p><strong>接下来阅读：</strong></p>
<ul>
<li><strong>孩之宝、米高梅和斯凯奇信任这家 AI 营销公司——现在以每股 $0.55 的价格投资 IPO 前的股份</strong>。**</li>
<li><strong>如果你 35 岁、50 岁或 60 岁：看看你现在应该储蓄或投资的金额</strong></li>
</ul>

特斯拉

<p>戴夫·拉姆齐向一位来电者建议，关于他姑姑的 65 万美元特斯拉股票，强调了多样化的重要性，并接受资本利得税作为赚钱的一部分。他建议她将这只股票视为桌上的现金，推荐她偿还 2 万美元的债务，并考虑购买房屋以消除租金。拉姆齐认为，这种方法可以改善她的财务状况，使她能够在退休账户中进行大量投资，并提高生活质量</p>

<p>Many people talk about what their $10,000 investment would have turned into if they bought a stock five years before it became popular. However, some people actually buy early and end up with substantial gains.</p>
<div class="lb-trans"><p>许多人谈论如果他们在五年前购买了一只股票，他们的 $10,000 投资会变成什么。然而，有些人实际上会提前购买，并最终获得可观的收益。</p>
</div><p>Someone called into &#34;The Ramsey Show&#34; saying that his 37-year-old aunt has $650,000 worth of Tesla stock. She worked at Tesla for six years and didn't touch the stock. The caller expressed caution, saying that it's not good to put all of your eggs in one basket.</p>
<div class="lb-trans"><p>有人在《拉姆齐秀》中打电话说，他 37 岁的姑姑拥有价值 $650,000 的特斯拉股票。她在特斯拉工作了六年，并没有动用这些股票。打电话的人表示谨慎，认为把所有的鸡蛋放在一个篮子里并不好。</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>‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can invest today for just $0.26/share with a $1000 minimum.</strong></li>
<li><strong>Jeff Bezos-Backed Arrived Homes Hits A Big Sale On Charlotte Property – Investors Earning A 34.7% Return</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>‘滚动到 UBI’——德勤的第一快增长软件公司允许用户在手机上赚钱。您今天可以以每股仅 $0.26 的价格投资，最低投资为 $1000。</strong></li>
<li><strong>杰夫·贝索斯支持的 Arrived Homes 在夏洛特物业上达成大交易——投资者获得 34.7% 的回报</strong></li>
</ul>
</div><p>Financial guru <strong>Dave Ramsey</strong> was on board with the assessment and liked that the aunt could turn to her nephew and that he told her to minimize her risk. The video conversation ended up on Ramsey's channel. He also shares what he would do with the money and how the aunt can continue to build wealth.</p>
<div class="lb-trans"><p>金融专家 <strong>戴夫·拉姆齐</strong> 对此评估表示赞同，并喜欢姑姑可以向侄子求助，而侄子告诉她要降低风险。视频对话最终在拉姆齐的频道上播出。他还分享了他会如何使用这笔钱，以及姑姑如何继续积累财富。</p>
</div><h2>More Context on the Aunt</h2>
<div class="lb-trans"><h2>关于姑姑的更多背景</h2>
</div><p>The aunt works as a project engineer and earns $70,000 per year. She's only paying $1,000 per month in rent and has $20,000 in debt that will be paid off this year. The aunt has retirement investments but no cash savings. She wants to wait until it reaches $1 million to sell, and she also doesn't want to take a big tax hit. Ramsey offered pretty blunt advice on the capital gains taxes.</p>
<div class="lb-trans"><p>姑姑是一名项目工程师，年收入 $70,000。她每月只支付 $1,000 的租金，并且有 $20,000 的债务将在今年偿还。姑姑有退休投资，但没有现金储蓄。她希望等到资产达到 $1,000,000 时再出售，并且她也不想遭受巨额税收损失。拉姆齐对资本利得税提供了相当直白的建议。</p>
</div><p>&#34;You're going to have taxes. Welcome to making money.&#34;</p>
<div class="lb-trans"><p>“你会有税。欢迎来到赚钱的世界。”</p>
</div><p>Ramsey went on to explain how this is a good problem to have. He also didn't bash Tesla stock. He said he would have the same opinion regardless of whether the $650,000 was in Tesla, Apple, or any other solid stock. Ramsey believes in portfolio diversification over allocating most or all of your capital into a single holding.</p>
<div class="lb-trans"><p>拉姆齐接着解释说，这是一个好问题。他也没有贬低特斯拉股票。他表示，无论这 $650,000 是在特斯拉、苹果还是其他任何优质股票中，他都会持有相同的看法。拉姆齐相信投资组合多样化，而不是将大部分或全部资本分配到单一资产中。</p>
</div><p><strong>Trending: 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></p>
<div class="lb-trans"><p><strong>趋势：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，他们都参与了之前仅限于贝索斯和盖茨等亿万富翁的另类资产类别。</strong></p>
</div><h2>How Ramsey Would Use the $650,000</h2>
<div class="lb-trans"><h2>拉姆齐会如何使用这 $650,000</h2>
</div><p>We don't know how much the aunt would have to pay in capital gains tax. She would have to pay a 15% capital gains tax rate on her gains, but Ramsey views it as an expense worth paying.</p>
<div class="lb-trans"><p>我们不知道姑姑需要支付多少资本利得税。她需要对她的收益支付 15% 的资本利得税，但拉姆齐认为这是值得支付的费用。</p>
</div><p>Ramsey encourages the aunt to view it as $650,000 on the kitchen table instead of seeing it as money tied to Tesla stock. The financial guru proceeds to ask what you would do if you saw that money on your kitchen table.</p>
<div class="lb-trans"><p>拉姆齐鼓励姑姑将其视为厨房桌子上的 $650,000，而不是将其视为与特斯拉股票相关的资金。这位金融专家接着问，如果你看到那笔钱在你的厨房桌子上，你会怎么做。</p>
</div><p>While each person has different ideas of what they would do with the money, Ramsey offered suggestions based on the aunt's financial situation. He said he would use the money to pay off the debt and then buy a house.</p>
<div class="lb-trans"><p>虽然每个人对如何使用这笔钱有不同的想法，但拉姆齐根据姑姑的财务状况提供了建议。他表示，他会用这笔钱偿还债务，然后购买一套房子。</p>
</div><p>The caller mentioned they were a low-income household earlier, so it may be feasible for the aunt to buy a house with cash in her area. Then, she doesn't have to worry about any rent or mortgage payments.</p>
<div class="lb-trans"><p>打电话的人提到他们之前是一个低收入家庭，因此姑姑用现金在她所在地区购买房子是可行的。这样，她就不必担心任何租金或抵押贷款支付。</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><em>另见：</em>‘我应该从哪个账户先提取？’ 苏茜·奥尔曼向 67 岁老人解释提取退休账户的最佳顺序_</strong></p>
</div><h2>Load Up On Your Retirement Accounts</h2>
<div class="lb-trans"><h2>加大对退休账户的投资</h2>
</div><p>Ramsey wraps things up by saying she can make another million if she puts more money into her retirement accounts. If she follows Ramsey's approach, she won't have any mortgage payments and will be in a better position to max out her 401(k) plan and Roth IRA.</p>
<div class="lb-trans"><p>拉姆齐总结说，如果她将更多资金投入到退休账户中，她可以再赚取一百万。如果她遵循拉姆齐的方法，她将没有抵押贷款支付，并且能够更好地最大化她的 401(k) 计划和罗斯 IRA。</p>
</div><p>Ramsey believes she can invest close to $5,000 per month, which would be a big game changer. Tesla stock has served her well, but selling some or all of the shares can open up more possibilities. She can enhance her quality of life in a sustainable manner if she uses the extra funds wisely.</p>
<div class="lb-trans"><p>拉姆齐相信她每月可以投资接近 $5,000，这将是一个巨大的改变。特斯拉股票对她来说表现良好，但出售部分或全部股票可以打开更多的可能性。如果她明智地使用额外资金，她可以以可持续的方式提升生活质量。</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>Hasbro, MGM, and Skechers trust this AI marketing firm — invest pre-IPO from $0.55 per share now</strong> <strong>.</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>孩之宝、米高梅和斯凯奇信任这家 AI 营销公司——现在以每股 $0.55 的价格投资 IPO 前的股份</strong>。**</li>
<li><strong>如果你 35 岁、50 岁或 60 岁：看看你现在应该储蓄或投资的金额</strong></li>
</ul>
</div>

Dave Ramsey's Blunt Advice To Aunt Who Won't Sell $650K In Tesla Stock Over Tax Fears: 'You're Going To Have Taxes. Welcome To Making Money.'

- 一位 37 岁女性在特斯拉工作六年，持有 65 万美元股票。  
- 她计划等股票升至 100 万美元再出售，避免高额税费。  
- 财务顾问建议她还清债务并投资退休账户，以提高生活质量。

戴夫·拉姆齐对因担心税收而不愿出售 65 万美元特斯拉股票的姑姑的直率建议：‘你会有税收的。欢迎赚钱。’