<p><strong>戴夫·拉姆齐</strong> 多年来听过各种各样的电话，但最近在《拉姆齐秀》上的一个电话让他完全感到意外。最初是一个例行的预算问题，结果变成了一场紧张的交流，让拉姆齐和联合主持人 <strong>乔治·卡梅尔</strong> 都显得非常震惊。</p>
<p><strong>今天的最佳理财交易</strong></p>
<h2>预算压力与改变人生的诊断</h2>
<p>来电者解释说，他和妻子已经开始制定预算，并计划在 12 到 18 个月内实现无债务。但每当他们讨论预算时，争吵总是不断出现。</p>
<p>“主要是因为她觉得我只是制定预算，然后和她讨论，” 他说。“她总是觉得我只是制定了预算，没有给她任何意见。”</p>
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<p>拉姆齐迅速识别出经典的 “书呆子与自由精神” 的动态。“你就像我——你是家里的书呆子，而她是自由精神，” 他说。拉姆齐解释说，要让预算作为团队合作有效，所谓的 “自由精神” 必须被允许进行更改。“否则，这不是我们的预算。这是你的预算。”</p>
<p>起初，讨论似乎很轻松。但当来电者提到他的妻子患有四期癌症，而他仍然期望她每周帮忙送 Uber Eats 几次时，语气发生了变化。</p>
<p>“哇。我们可不能埋没重点，” 卡梅尔惊讶地说。“她正在经历一些事情……祝福她，” 拉姆齐补充道。</p>
<p>来电者试图为这个请求辩解，说：“她的情况稳定，所以她可以出去，她在领残疾补助，所以她可以……”，解释说他只是需要一点帮助来加快他们无债务的时间表。但拉姆齐没有保留。“我绝对为称呼你妻子为四期癌症的抱怨者而向她道歉，” 他说。“而我发现现在你才是抱怨者。”</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，他们都参与了一个之前仅限于像贝索斯和盖茨这样的亿万富翁的另类资产类别。</strong></p>
<p>拉姆齐接着指出来电者缺乏同情心。“她去帮助她的姐妹，现在她因四期癌症而感到疲惫。祝福她。哦，我的天，伙计。难怪她不想和你说话。”</p>
<p>他敦促这位男士重新调整他的方式：“你只需说，‘好吧，亲爱的，我想确保我们最重要的是照顾你。考虑到这一点，这就是我们有多少钱。你想怎么花这笔钱？’”</p>
<p>卡梅尔强调，实现无债务不应以牺牲同情心或情感联系为代价。“如果因为她不能每周做几个小时的工作而导致 Uber Eats 延迟六个月，那也没关系。我们会慢慢来。”</p>
<p>在反思这个电话时，卡梅尔提醒听众，预算的统一来自于相互关心，而不是控制。“你永远无法通过冷漠达到统一。”</p>
<ul>
<li><strong>如果你 35 岁、50 岁或 60 岁：以下是你现在应该储蓄与投资的金额</strong></li>
<li><strong>在过去五年中，黄金价格大约上涨了 83%——像比尔·奥赖利和鲁迪·朱利安尼这样的投资者正在利用这个平台创建定制的黄金 IRA，以帮助保护他们的储蓄免受通货膨胀和经济动荡的影响。</strong></li>
</ul>
<p><strong><em>图片来源：Shutterstock</em></strong></p>

DAVE

<p>在最近的一期《拉姆齐秀》中，戴夫·拉姆齐在接到一个电话时感到震惊，来电者批评他罹患癌症的妻子没有通过兼职工作为他们的预算做贡献。来电者的妻子患有四期癌症，拉姆齐强调在预算中需要同情和关怀，敦促来电者将妻子的健康置于他们的无债务时间表之上。联合主持人乔治·卡梅尔也表达了这一观点，强调财务目标不应以情感联系和关怀为代价</p>

<p><strong>Dave Ramsey</strong> has heard it all over the years, but one recent call on “The Ramsey Show” caught him completely off guard. What started as a routine budgeting question turned into a tense exchange that left both Ramsey and co-host <strong>George Kamel</strong> visibly shaken.</p>
<div class="lb-trans"><p><strong>戴夫·拉姆齐</strong> 多年来听过各种各样的电话，但最近在《拉姆齐秀》上的一个电话让他完全感到意外。最初是一个例行的预算问题，结果变成了一场紧张的交流，让拉姆齐和联合主持人 <strong>乔治·卡梅尔</strong> 都显得非常震惊。</p>
</div><p><strong>Today's Best Finance Deals</strong></p>
<div class="lb-trans"><p><strong>今天的最佳理财交易</strong></p>
</div><h2>Budgeting Strains And A Life-Altering Diagnosis</h2>
<div class="lb-trans"><h2>预算压力与改变人生的诊断</h2>
</div><p>The caller explained that he and his wife had started budgeting and were working toward becoming debt-free in 12 to 18 months. But arguments kept coming up whenever they discussed the budget.</p>
<div class="lb-trans"><p>来电者解释说，他和妻子已经开始制定预算，并计划在 12 到 18 个月内实现无债务。但每当他们讨论预算时，争吵总是不断出现。</p>
</div><p>“Mostly because she feels like I just make the budget and then go over it with her,” he said. “She always feels like I just make it and don't give her any input.”</p>
<div class="lb-trans"><p>“主要是因为她觉得我只是制定预算，然后和她讨论，” 他说。“她总是觉得我只是制定了预算，没有给她任何意见。”</p>
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<div class="lb-trans"><ul>
<li><strong>沃伦·巴菲特曾说过，&#34;如果你不找到一种方法让钱在你睡觉时为你工作，你将工作到死。&#34;以下是你如何用仅仅 10 美元赚取被动收入的方法。</strong></li>
<li><strong>拥有超过 10 万美元的可投资资产？免费与受托顾问匹配，了解如何最大化你的退休金并节省税款——没有费用，没有义务。</strong></li>
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</div><p>Ramsey quickly identified the classic “nerd vs. free spirit” dynamic. “You're like me—you're the nerd in the house and she's the free spirit,” he said. Ramsey explained that for a budget to work as a team effort, the so-called “free spirit” must be allowed to make changes. “Otherwise, it's not our budget. It's your budget.”</p>
<div class="lb-trans"><p>拉姆齐迅速识别出经典的 “书呆子与自由精神” 的动态。“你就像我——你是家里的书呆子，而她是自由精神，” 他说。拉姆齐解释说，要让预算作为团队合作有效，所谓的 “自由精神” 必须被允许进行更改。“否则，这不是我们的预算。这是你的预算。”</p>
</div><p>At first, the discussion seemed lighthearted. But when the caller mentioned that his wife had stage 4 cancer and he still expected her to help by delivering for Uber Eats a few times a week, the tone shifted.</p>
<div class="lb-trans"><p>起初，讨论似乎很轻松。但当来电者提到他的妻子患有四期癌症，而他仍然期望她每周帮忙送 Uber Eats 几次时，语气发生了变化。</p>
</div><p>“Whoa. Let's not bury the lede here,” Kamel said, stunned. “She's going through something… Bless her heart,” Ramsey added.</p>
<div class="lb-trans"><p>“哇。我们可不能埋没重点，” 卡梅尔惊讶地说。“她正在经历一些事情……祝福她，” 拉姆齐补充道。</p>
</div><p>The caller tried to justify the request, saying, “She is stable and so she could go out and she’s on disability, so she could you know…” explaining that he just needed a little help to speed up their debt-free timeline. But Ramsey didn't hold back.” I absolutely apologize to your wife for calling her a whiner in stage 4 cancer,” he said. “And I have discovered that now you are the whiner.”</p>
<div class="lb-trans"><p>来电者试图为这个请求辩解，说：“她的情况稳定，所以她可以出去，她在领残疾补助，所以她可以……”，解释说他只是需要一点帮助来加快他们无债务的时间表。但拉姆齐没有保留。“我绝对为称呼你妻子为四期癌症的抱怨者而向她道歉，” 他说。“而我发现现在你才是抱怨者。”</p>
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<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，他们都参与了一个之前仅限于像贝索斯和盖茨这样的亿万富翁的另类资产类别。</strong></p>
</div><p>Ramsey then called out the caller's lack of empathy. “She went and helped her sister, and now she's too exhausted with her stage 4 cancer. Bless her heart. Oh my God, man. No wonder she doesn't want to talk to you.”</p>
<div class="lb-trans"><p>拉姆齐接着指出来电者缺乏同情心。“她去帮助她的姐妹，现在她因四期癌症而感到疲惫。祝福她。哦，我的天，伙计。难怪她不想和你说话。”</p>
</div><p>He urged the man to reframe his approach: “You just say, ‘All right honey, I want to make sure more than anything we take care of you. Given that, this is how much money we have. How do you want to spend the money?'”</p>
<div class="lb-trans"><p>他敦促这位男士重新调整他的方式：“你只需说，‘好吧，亲爱的，我想确保我们最重要的是照顾你。考虑到这一点，这就是我们有多少钱。你想怎么花这笔钱？’”</p>
</div><p>Kamel emphasized that becoming debt-free should not come at the expense of compassion or emotional connection. “If Uber Eats is delayed by six months because she can't go do a few hours a week, that's okay. We'll move at a slower pace.”</p>
<div class="lb-trans"><p>卡梅尔强调，实现无债务不应以牺牲同情心或情感联系为代价。“如果因为她不能每周做几个小时的工作而导致 Uber Eats 延迟六个月，那也没关系。我们会慢慢来。”</p>
</div><p>In reflecting on the call, Kamel reminded listeners that unity in budgeting comes from mutual care, not control. “You're never going to get to unity through apathy.”</p>
<div class="lb-trans"><p>在反思这个电话时，卡梅尔提醒听众，预算的统一来自于相互关心，而不是控制。“你永远无法通过冷漠达到统一。”</p>
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<div class="lb-trans"><ul>
<li><strong>如果你 35 岁、50 岁或 60 岁：以下是你现在应该储蓄与投资的金额</strong></li>
<li><strong>在过去五年中，黄金价格大约上涨了 83%——像比尔·奥赖利和鲁迪·朱利安尼这样的投资者正在利用这个平台创建定制的黄金 IRA，以帮助保护他们的储蓄免受通货膨胀和经济动荡的影响。</strong></li>
</ul>
</div><p><strong><em>Image: Shutterstock</em></strong></p>
<div class="lb-trans"><p><strong><em>图片来源：Shutterstock</em></strong></p>
</div>

戴夫·拉姆齐在一位来电者批评他患癌症的妻子没有从事副业时感到震惊——‘但她的病情是稳定的’