<p>并不是每天都有人的父亲——也是一名律师——想用 25 万美元换取一笔相当于一辆二手车的贿赂而打电话给 <strong>Dave Ramsey</strong>。但这正是当一位名叫 Jack 的来电者拨打&#34;The Ramsey Show&#34;时发生的事情，他说他的父亲给了他 5000 美元，让他放弃未来从已故祖父那里继承的信托权利。</p>
<p>问题是？Jack 甚至在他父亲去世之前是不能拿到这笔钱的。</p>
<p>&#34;我祖父大约五年前去世，他为他的三个孩子留下了一个信托，&#34;Jack 解释道。&#34;但对我父亲来说，他在金钱方面一直表现不佳。所以 他没有像他的兄弟姐妹那样一次性获得一笔巨款，而是每年获得定期付款。当他去世时，我将获得剩余的那笔巨款。&#34;</p>
<p><strong>不要错过：</strong></p>
<ul>
<li><strong>这家由杰夫·贝索斯支持的初创公司将允许你 ** 在仅 10 分钟内成为房东，最低投资仅需 100 美元 **</strong> <strong>。</strong></li>
<li><strong>拥有财务计划的美国人可以将财富增加 4 倍——** 从 CFP 专业人士那里获取你的个性化计划 **</strong></li>
</ul>
<p>根据 Jack 的说法，这笔巨款估计在 25 万美元到 30 万美元之间。</p>
<p>但 Jack 的父亲并不打算遵循这个计划，他想要立即获得所有的钱——并试图通过快速的现金报价和装修愿望来重写家庭的遗产。</p>
<p>&#34;他想让我签署一份文件，将信托转让给他，&#34;Jack 说。&#34;他用 5000 美元来贿赂我。&#34;</p>
<p>Ramsey 简直不敢相信。</p>
<p>&#34;所以你打算用 30 万美元换 5000 美元？他生活在哪个星球上，竟然认为你会这样做？&#34;他说。</p>
<p>Jack 澄清说，最初的报价实际上是 1 万美元，但降到了 5000 美元。&#34;他说他想翻新他的房子，买一辆新车，&#34;Jack 补充道。</p>
<p><strong>热门话题：有 10 万美元以上的投资吗？查理·芒格说这是最难的里程碑——现在不要停滞不前。** 与受托顾问匹配，继续积累财富 **</strong></p>
<p>联合主持人 <strong>Ken Coleman</strong> 插话要求更多细节：&#34;你用两个词形容我们——你说 ‘威胁’ 和 ‘贿赂’。这实际上是什么样子？&#34;</p>
<p>Jack 承认这不是威胁，而是明显的低价收购尝试。</p>
<p>Ramsey 对这种逻辑摇了摇头。&#34;数学不成立，&#34;他说。&#34;他如此不合逻辑，以至于他真的相信你会用 5000 美元换取 25 万美元。这对我来说真是不可思议。&#34;</p>
<p>然后 Ramsey 直指电话的情感核心。</p>
<p>&#34;你无法以任何方式将 ‘不’ 表达得让这个家伙满意，&#34;他告诉 Jack。&#34;这就像在抚摸一只鳄鱼，然后说 ‘乖鳄鱼’——你仍然会被咬掉手臂。&#34;</p>
<p>然后 Ramsey 告诉他一些可能听起来有点严厉——甚至冒犯——但这是 Jack 需要听到的现实：&#34;我希望我能让你有一个好父亲，但你没有。&#34;</p>
<p>Ramsey 告诉 Jack，他不仅在处理一个不合理的请求，而且还在面对一个不合理的人——没有任何整洁的对话可以解决这个问题。</p>
<p>&#34;当你说不的时候，这家伙会发疯，&#34;Ramsey 警告道。&#34;任何低于发疯的反应，我们称之为额外奖励。&#34;</p>
<p><strong><em>另见：一位 EA 联合创始人塑造了这个风险投资支持的市场——** 现在你可以投资于游戏的下一个大平台_**</em></strong></p>
<p>Coleman 将这种情况比作手术：&#34;这并不好玩。会很痛。但在另一边，你会变得更好。&#34;</p>
<p>建议不仅仅是情感上的——它还是战术性的。 Ramsey 敦促 Jack 保持界限对话简短、清晰，并且没有任何充满内疚的解释。</p>
<p>&#34;爸爸，祖父设立了这个，我会遵循祖父的愿望，&#34;Ramsey 建议 Jack 这样说。&#34;谢谢你的询问。很抱歉这对我不适用。希望你能找到其他方法来翻新你的房子和买车——毕竟你是律师。&#34;</p>
<p>Jack 值得称赞的是，他已经下定决心。他不会交出这笔钱。但和许多拨打 Ramsey 节目电话的人一样，他真正需要的是与不尊重界限的人设定界限的手册。</p>
<p>&#34;你要保持自己的尊严、勇气、善良和诚信，&#34;Ramsey 告诉他。&#34;那是你唯一能控制的事情。&#34;</p>
<p>如果这通电话证明了什么，那就是有时候 财务智慧 意味着知道何时不在合同上签字——尤其是当有人试图用你的遗产换取一笔涂装费和一辆新雷克萨斯时。</p>
<p><strong>阅读下一篇：德勤的#1 快速增长软件公司让用户仅通过滚动就能赚钱——** 合格投资者仍可以每股 0.50 美元的价格入场。**</strong></p>
<p><strong><em>图片来源：Shutterstock</em></strong></p>

DAVE

<p>戴夫·拉姆齐建议了一位来电者杰克，他的父亲提出以 5000 美元的价格放弃对 25 万美元信托的权利。拉姆齐批评了父亲不合理的提议，并强调设定界限，建议杰克尊重祖父的遗愿。拉姆齐强调了维护尊严和诚信的重要性，并警告杰克可能会遭到父亲的反击。杰克决定不接受这个提议，并寻求处理这一情况的建议</p>

<p>It's not every day someone calls <strong>Dave Ramsey</strong> because their dad—who's also a lawyer—wants to trade $250,000 for a used-car-sized bribe. But that's exactly what happened when a caller named Jack phoned into &#34; The Ramsey Show,&#34; saying his father offered him $5,000 to sign away future rights to a trust left by his late grandfather.</p>
<div class="lb-trans"><p>并不是每天都有人的父亲——也是一名律师——想用 25 万美元换取一笔相当于一辆二手车的贿赂而打电话给 <strong>Dave Ramsey</strong>。但这正是当一位名叫 Jack 的来电者拨打&#34;The Ramsey Show&#34;时发生的事情，他说他的父亲给了他 5000 美元，让他放弃未来从已故祖父那里继承的信托权利。</p>
</div><p>The catch? Jack isn't even supposed to get the money until his dad passes away.</p>
<div class="lb-trans"><p>问题是？Jack 甚至在他父亲去世之前是不能拿到这笔钱的。</p>
</div><p>&#34;My grandfather had passed away about five years ago and he left a trust to his three children,&#34; Jack explained. &#34;But for my dad, he's been historically bad with money. So instead of getting a lump sum like his siblings, he receives annual payments. And when he passes away, I'm set to receive the remaining lump sum.&#34;</p>
<div class="lb-trans"><p>&#34;我祖父大约五年前去世，他为他的三个孩子留下了一个信托，&#34;Jack 解释道。&#34;但对我父亲来说，他在金钱方面一直表现不佳。所以 他没有像他的兄弟姐妹那样一次性获得一笔巨款，而是每年获得定期付款。当他去世时，我将获得剩余的那笔巨款。&#34;</p>
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<div class="lb-trans"><p><strong>不要错过：</strong></p>
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<div class="lb-trans"><ul>
<li><strong>这家由杰夫·贝索斯支持的初创公司将允许你 ** 在仅 10 分钟内成为房东，最低投资仅需 100 美元 **</strong> <strong>。</strong></li>
<li><strong>拥有财务计划的美国人可以将财富增加 4 倍——** 从 CFP 专业人士那里获取你的个性化计划 **</strong></li>
</ul>
</div><p>That lump sum, according to Jack, is estimated to be between $250,000 and $300,000.</p>
<div class="lb-trans"><p>根据 Jack 的说法，这笔巨款估计在 25 万美元到 30 万美元之间。</p>
</div><p>But instead of sticking to the plan, Jack's father wants it all now—and is trying to rewrite the family legacy with a quick cash offer and a renovation wishlist.</p>
<div class="lb-trans"><p>但 Jack 的父亲并不打算遵循这个计划，他想要立即获得所有的钱——并试图通过快速的现金报价和装修愿望来重写家庭的遗产。</p>
</div><p>&#34;He wants me to sign a document that releases the trust to him,&#34; Jack said. &#34;And he's bribing me with $5,000 upfront.&#34;</p>
<div class="lb-trans"><p>&#34;他想让我签署一份文件，将信托转让给他，&#34;Jack 说。&#34;他用 5000 美元来贿赂我。&#34;</p>
</div><p>Ramsey couldn't believe it.</p>
<div class="lb-trans"><p>Ramsey 简直不敢相信。</p>
</div><p>&#34;So you're going to trade $300,000 for $5,000? What planet does he live on that he thinks you would do that?&#34; he said.</p>
<div class="lb-trans"><p>&#34;所以你打算用 30 万美元换 5000 美元？他生活在哪个星球上，竟然认为你会这样做？&#34;他说。</p>
</div><p>Jack clarified that the offer actually started at $10,000 but was downgraded to $5,000. &#34;He said he wants to renovate his house and buy a new car,&#34; Jack added.</p>
<div class="lb-trans"><p>Jack 澄清说，最初的报价实际上是 1 万美元，但降到了 5000 美元。&#34;他说他想翻新他的房子，买一辆新车，&#34;Jack 补充道。</p>
</div><p><strong>Trending: Have $100k+ to invest? Charlie Munger says that's the toughest milestone — don't stall now. Get matched with a fiduciary advisor and keep building</strong></p>
<div class="lb-trans"><p><strong>热门话题：有 10 万美元以上的投资吗？查理·芒格说这是最难的里程碑——现在不要停滞不前。** 与受托顾问匹配，继续积累财富 **</strong></p>
</div><p>Co-host <strong>Ken Coleman</strong> jumped in to press for more detail: &#34;You've used two words with us—you said ‘threatened' and ‘bribed.' What does that actually look like?&#34;</p>
<div class="lb-trans"><p>联合主持人 <strong>Ken Coleman</strong> 插话要求更多细节：&#34;你用两个词形容我们——你说 ‘威胁’ 和 ‘贿赂’。这实际上是什么样子？&#34;</p>
</div><p>Jack admitted it wasn't a threat, but a clear attempt at a low-ball buyout.</p>
<div class="lb-trans"><p>Jack 承认这不是威胁，而是明显的低价收购尝试。</p>
</div><p>Ramsey shook his head at the logic. &#34;The math is not mathing,&#34; he said. &#34;He's so illogical that he actually believes you would trade $5,000 for $250,000. That's just bizarre to me.&#34;</p>
<div class="lb-trans"><p>Ramsey 对这种逻辑摇了摇头。&#34;数学不成立，&#34;他说。&#34;他如此不合逻辑，以至于他真的相信你会用 5000 美元换取 25 万美元。这对我来说真是不可思议。&#34;</p>
</div><p>Then Ramsey cut straight to the emotional core of the call.</p>
<div class="lb-trans"><p>然后 Ramsey 直指电话的情感核心。</p>
</div><p>&#34;There's no way you can frame a ‘no' that this guy's going to like,&#34; he told Jack. &#34;It's like petting a crocodile and going ‘nice crocodile'—you're still going to get your arm bit off.&#34;</p>
<div class="lb-trans"><p>&#34;你无法以任何方式将 ‘不’ 表达得让这个家伙满意，&#34;他告诉 Jack。&#34;这就像在抚摸一只鳄鱼，然后说 ‘乖鳄鱼’——你仍然会被咬掉手臂。&#34;</p>
</div><p>Then Ramsey told him something that, sure, might come off a little harsh — maybe even offensive — but it was a reality Jack needed to hear: &#34;I wish I could make you have a good dad, but you don't.&#34;</p>
<div class="lb-trans"><p>然后 Ramsey 告诉他一些可能听起来有点严厉——甚至冒犯——但这是 Jack 需要听到的现实：&#34;我希望我能让你有一个好父亲，但你没有。&#34;</p>
</div><p>Ramsey told Jack he's not just dealing with an unreasonable request, but an unreasonable man—and there's no tidy conversation that can fix that.</p>
<div class="lb-trans"><p>Ramsey 告诉 Jack，他不仅在处理一个不合理的请求，而且还在面对一个不合理的人——没有任何整洁的对话可以解决这个问题。</p>
</div><p>&#34;This guy is going to go bonkers when you say no,&#34; Ramsey warned. &#34;Anything less than bonkers, we'll call it a bonus.&#34;</p>
<div class="lb-trans"><p>&#34;当你说不的时候，这家伙会发疯，&#34;Ramsey 警告道。&#34;任何低于发疯的反应，我们称之为额外奖励。&#34;</p>
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<div class="lb-trans"><p><strong><em>另见：一位 EA 联合创始人塑造了这个风险投资支持的市场——** 现在你可以投资于游戏的下一个大平台_**</em></strong></p>
</div><p>Coleman likened the situation to surgery: &#34;It's not fun. It's going to hurt. But on the other side, you're going to be better.&#34;</p>
<div class="lb-trans"><p>Coleman 将这种情况比作手术：&#34;这并不好玩。会很痛。但在另一边，你会变得更好。&#34;</p>
</div><p>The advice wasn't just emotional—it was tactical. Ramsey urged Jack to keep the boundary conversation short, clear, and free of any guilt-soaked explanations.</p>
<div class="lb-trans"><p>建议不仅仅是情感上的——它还是战术性的。 Ramsey 敦促 Jack 保持界限对话简短、清晰，并且没有任何充满内疚的解释。</p>
</div><p>&#34;Dad, Grandpa put this in place and I'm going to abide by Grandpa's wishes,&#34; Ramsey advised Jack to say. &#34;Thanks for asking. I'm sorry it doesn't work for me. I hope you find another way to renovate your house and get a car—since you're a lawyer and all.&#34;</p>
<div class="lb-trans"><p>&#34;爸爸，祖父设立了这个，我会遵循祖父的愿望，&#34;Ramsey 建议 Jack 这样说。&#34;谢谢你的询问。很抱歉这对我不适用。希望你能找到其他方法来翻新你的房子和买车——毕竟你是律师。&#34;</p>
</div><p>Jack, to his credit, had already made up his mind. He wasn't going to hand over the money. But like so many callers to Ramsey's show, what he really needed was the playbook for setting a boundary with someone who doesn't respect boundaries.</p>
<div class="lb-trans"><p>Jack 值得称赞的是，他已经下定决心。他不会交出这笔钱。但和许多拨打 Ramsey 节目电话的人一样，他真正需要的是与不尊重界限的人设定界限的手册。</p>
</div><p>&#34;You preserve your dignity, your courage, your kindness, your integrity,&#34; Ramsey told him. &#34;That's the only thing you have control over.&#34;</p>
<div class="lb-trans"><p>&#34;你要保持自己的尊严、勇气、善良和诚信，&#34;Ramsey 告诉他。&#34;那是你唯一能控制的事情。&#34;</p>
</div><p>And if the call proved anything, it's that sometimes financial wisdom means knowing when not to sign on the dotted line—especially when someone's trying to trade your inheritance for a paint job and a new Lexus.</p>
<div class="lb-trans"><p>如果这通电话证明了什么，那就是有时候 财务智慧 意味着知道何时不在合同上签字——尤其是当有人试图用你的遗产换取一笔涂装费和一辆新雷克萨斯时。</p>
</div><p><strong>Read Next: Deloitte's #1 Fastest-Growing Software Company Lets Users Earn Money Just by Scrolling — Accredited Investors Can Still Get In at $0.50/Share.</strong></p>
<div class="lb-trans"><p><strong>阅读下一篇：德勤的#1 快速增长软件公司让用户仅通过滚动就能赚钱——** 合格投资者仍可以每股 0.50 美元的价格入场。**</strong></p>
</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>

Dave Ramsey 表示：‘我希望我能让你有一个好父亲’，这是在一位来电者说他的父亲提供 5 千美元让他放弃 25 万美元的信托之后