<p>在 70 岁工作是一回事。没有储蓄、压力不断增加以及一些持续消耗 你所剩无几的现金 又是另一回事。</p>
<p>一位名叫 Janice 的女性从俄克拉荷马城打电话到&#34;The Ramsey Show&#34;，解释了这对夫妇的困境。她和她的丈夫都 70 岁，没有退休储蓄，依靠每月合计 2000 美元的社会保障金生活。Janice 还通过清洁房屋赚取另外 2000 美元，她形容这份工作体力要求很高。她的丈夫面临健康问题，收入不稳定。</p>
<p>&#34;我 70 岁了。我没有退休金，&#34;她说。&#34;我和我丈夫都没有退休金。&#34;</p>
<p><strong>不要错过：</strong></p>
<ul>
<li><strong>被称为 ‘营销的 ChatGPT’ 的公司刚刚开启了每股 0.85 美元的融资轮——** 已有 10,000 多名投资者参与 **</strong></li>
<li><strong>沃伦·巴菲特曾说过，‘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。’** 这里是你如何用仅仅 10 美元开始赚取被动收入的方法。**</strong></li>
</ul>
<p>他们有 25,000 美元现金，欠 27,000 美元的房贷，仍然有汽车贷款。他们的房子估值约为 250,000 美元。他们还拥有一辆价值约 10,000 美元的跑车和一辆已还清贷款的皮卡。Janice 表示，她非常渴望保住他们的房子，无法想象住在任何更便宜的地方。</p>
<p>Ramsey 给了她两个选择。首先，立即出售跑车。</p>
<p>&#34;抱歉，跑车得卖掉，&#34;他说。</p>
<p>卖掉汽车后，这对夫妇可以消除汽车贷款，向房贷支付 10,000 美元，保留 15,000 美元作为应急储蓄，并在接下来的 17 个月内专注于偿还剩余的余额。这并不容易，但可以做到。</p>
<p>&#34;如果没有任何债务，你就能撑下去，&#34;Ramsey 告诉她。&#34;这不会好看，但你能撑下去。&#34;</p>
<p><strong>趋势：拥有财务计划的美国人财富可增加 4 倍——** 从 CFP 专业人士那里获取个性化计划 **</strong></p>
<p>然后是消费习惯。</p>
<p>&#34;我们不花钱，&#34;Janice 说。&#34;我们主要做的就是外出就餐。&#34;</p>
<p>Ramsey 没有放过这个问题。</p>
<p>&#34;你不能外出就餐。你破产了。外出就餐让你不得不清洁厕所，&#34;他说。&#34;除非你在那工作，否则你不会见到餐厅的内部。&#34;</p>
<p>他认为，Janice 感受到的压力不仅仅是关于金钱。这是关于拒绝改变。</p>
<p>&#34;如果你想保住这所房子，你就得开始过得像个完全破产的人，&#34;Ramsey 说。&#34;你没有余地。&#34;</p>
<p>不过，Ramsey 知道这个计划取决于 Janice 能否继续清洁工作。而在 70 岁时，这个时间框架是有限的。</p>
<p>&#34;我们不知道你还能做多久，70 岁了，&#34;他说。&#34;我们必须在你失去工作能力之前让你摆脱债务。&#34;</p>
<p><strong><em>另见：通用汽车支持的 EnergyX 正在解决锂供应危机——在他们扩大全球生产之前投资</em></strong></p>
<p>他的第二个选择？完全出售房子。</p>
<p>&#34;你有一栋价值 250,000 美元的房子，对吧？&#34;他说。&#34;今天就卖掉它，你就没有债务了。拿出 100,000 美元，买一套价值 100,000 美元的公寓。搬进去，那就是你的退休之家。&#34;</p>
<p>当 Janice 反对说物业管理费会是个问题时，Ramsey 迅速打断了她：&#34;没问题。&#34;更大的问题不是费用，而是他们赚取收入的时间在流逝。</p>
<p>&#34;你必须做出选择，&#34;他告诉她。&#34;必须有所妥协。现在这样行不通。&#34;</p>
<p>然后是最后一句——尖锐、不可谈判：</p>
<p>&#34;他必须在健康允许的情况下工作。你也要在健康允许的情况下工作。&#34;</p>
<p>根据美联储的 消费者财务调查 的数据，65 至 74 岁的人平均在退休账户中储蓄超过 609,000 美元。但平均数并不能说明全部情况。一半的家庭 在这个年龄段的储蓄为 200,000 美元或更少。许多人远远低于这个数字。有些人，比如 Janice 和她的丈夫，甚至一无所有。</p>
<p>这就是关键。无论你多大年纪，或者你离边缘有多近——等待并不会让数学变得更美好。无论你是 30 岁还是 70 岁，无论是仍在积累还是已经落后，现在是认真对待的时候。在你仍然可以选择结果的时候，和值得信赖的财务顾问交谈——在你的选择开始自己做决定之前。</p>
<p><strong>接下来阅读：这家由杰夫·贝索斯支持的初创公司将允许你 ** 在仅仅 10 分钟内成为房东，最低投资仅需 100 美元 **</strong> <strong>。</strong></p>
<p><em><strong>图片来源：Shutterstock</strong></em></p>

DAVE

<p>一对来自俄克拉荷马城的 70 岁夫妇，Janice 和她的丈夫，面临着财务困境，没有退休储蓄，依靠社会保障金生活。他们有 25,000 美元的现金，一套价值 250,000 美元的房子，以及一辆价值 10,000 美元的跑车。财务专家 Dave Ramsey 建议他们出售跑车以消除债务，并专注于节俭生活。他强调了他们情况的紧迫性，建议他们可能需要出售房子以确保更可管理的生活状况。Ramsey 强调了立即采取行动的重要性，以避免进一步的财务恶化</p>

<p>Working into your 70s is one thing. Doing it with no savings, mounting stress, and habits that keep draining what little cash you have is another.</p>
<div class="lb-trans"><p>在 70 岁工作是一回事。没有储蓄、压力不断增加以及一些持续消耗 你所剩无几的现金 又是另一回事。</p>
</div><p>A woman named Janice from Oklahoma City called into &#34; The Ramsey Show&#34; and explained the couple's predicament. She and her husband are both 70, have no retirement savings, and rely on a combined $2,000 per month in Social Security. Janice earns another $2,000 cleaning homes—a job she described as physically demanding. Her husband, facing health issues, brings in inconsistent part-time income.</p>
<div class="lb-trans"><p>一位名叫 Janice 的女性从俄克拉荷马城打电话到&#34;The Ramsey Show&#34;，解释了这对夫妇的困境。她和她的丈夫都 70 岁，没有退休储蓄，依靠每月合计 2000 美元的社会保障金生活。Janice 还通过清洁房屋赚取另外 2000 美元，她形容这份工作体力要求很高。她的丈夫面临健康问题，收入不稳定。</p>
</div><p>&#34;I'm 70 years old. I have no retirement,&#34; she said. &#34;My husband and I, neither one have a retirement.&#34;</p>
<div class="lb-trans"><p>&#34;我 70 岁了。我没有退休金，&#34;她说。&#34;我和我丈夫都没有退休金。&#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>被称为 ‘营销的 ChatGPT’ 的公司刚刚开启了每股 0.85 美元的融资轮——** 已有 10,000 多名投资者参与 **</strong></li>
<li><strong>沃伦·巴菲特曾说过，‘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。’** 这里是你如何用仅仅 10 美元开始赚取被动收入的方法。**</strong></li>
</ul>
</div><p>They have $25,000 in cash, owe $27,000 on their home, and still carry a car loan. Their home is valued around $250,000. They also own a roadster worth about $10,000 and a paid-off pickup. Janice said she's desperate to keep their house and can't imagine living anywhere cheaper.</p>
<div class="lb-trans"><p>他们有 25,000 美元现金，欠 27,000 美元的房贷，仍然有汽车贷款。他们的房子估值约为 250,000 美元。他们还拥有一辆价值约 10,000 美元的跑车和一辆已还清贷款的皮卡。Janice 表示，她非常渴望保住他们的房子，无法想象住在任何更便宜的地方。</p>
</div><p>Ramsey gave her two options. First, sell the roadster immediately.</p>
<div class="lb-trans"><p>Ramsey 给了她两个选择。首先，立即出售跑车。</p>
</div><p>&#34;I'm sorry, but the roadster is gone,&#34; he said.</p>
<div class="lb-trans"><p>&#34;抱歉，跑车得卖掉，&#34;他说。</p>
</div><p>With the car sold, the couple could eliminate their car loan, put $10,000 toward the mortgage, keep $15,000 in emergency savings, and focus the next 17 months on paying off the remaining balance. It wouldn't be easy—but it would be possible.</p>
<div class="lb-trans"><p>卖掉汽车后，这对夫妇可以消除汽车贷款，向房贷支付 10,000 美元，保留 15,000 美元作为应急储蓄，并在接下来的 17 个月内专注于偿还剩余的余额。这并不容易，但可以做到。</p>
</div><p>&#34;With no debt at all you can make it,&#34; Ramsey told her. &#34;It's not going to be pretty, but you can make it.&#34;</p>
<div class="lb-trans"><p>&#34;如果没有任何债务，你就能撑下去，&#34;Ramsey 告诉她。&#34;这不会好看，但你能撑下去。&#34;</p>
</div><p><strong>Trending: Americans With a Financial Plan Can 4X Their Wealth — Get Your Personalized Plan from a CFP Pro</strong></p>
<div class="lb-trans"><p><strong>趋势：拥有财务计划的美国人财富可增加 4 倍——** 从 CFP 专业人士那里获取个性化计划 **</strong></p>
</div><p>Then came the spending habits.</p>
<div class="lb-trans"><p>然后是消费习惯。</p>
</div><p>&#34;We don't spend money,&#34; Janice said. &#34;The main thing we do is we eat out.&#34;</p>
<div class="lb-trans"><p>&#34;我们不花钱，&#34;Janice 说。&#34;我们主要做的就是外出就餐。&#34;</p>
</div><p>Ramsey didn't let it slide.</p>
<div class="lb-trans"><p>Ramsey 没有放过这个问题。</p>
</div><p>&#34;You can't eat out. You're broke. Eating out is causing you to clean toilets,&#34; he said. &#34;You're not going to see the inside of a restaurant unless you're working there.&#34;</p>
<div class="lb-trans"><p>&#34;你不能外出就餐。你破产了。外出就餐让你不得不清洁厕所，&#34;他说。&#34;除非你在那工作，否则你不会见到餐厅的内部。&#34;</p>
</div><p>The stress Janice was feeling, he argued, wasn't just about money. It was about refusing to change.</p>
<div class="lb-trans"><p>他认为，Janice 感受到的压力不仅仅是关于金钱。这是关于拒绝改变。</p>
</div><p>&#34;If you want to keep this house, you're going to start living like you're completely bankrupt,&#34; Ramsey said. &#34;You do not have wiggle room here.&#34;</p>
<div class="lb-trans"><p>&#34;如果你想保住这所房子，你就得开始过得像个完全破产的人，&#34;Ramsey 说。&#34;你没有余地。&#34;</p>
</div><p>Still, Ramsey knew this plan hinged on Janice's ability to keep cleaning. And at 70, that timeline is limited.</p>
<div class="lb-trans"><p>不过，Ramsey 知道这个计划取决于 Janice 能否继续清洁工作。而在 70 岁时，这个时间框架是有限的。</p>
</div><p>&#34;We don't know how much longer you can do this at 70 years old,&#34; he said. &#34;We have got to get you clear of this debt before you start losing the ability to work like he has.&#34;</p>
<div class="lb-trans"><p>&#34;我们不知道你还能做多久，70 岁了，&#34;他说。&#34;我们必须在你失去工作能力之前让你摆脱债务。&#34;</p>
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<div class="lb-trans"><p><strong><em>另见：通用汽车支持的 EnergyX 正在解决锂供应危机——在他们扩大全球生产之前投资</em></strong></p>
</div><p>His second option? Sell the house entirely.</p>
<div class="lb-trans"><p>他的第二个选择？完全出售房子。</p>
</div><p>&#34;You've got a $250,000 house, right?&#34; he said. &#34;Sell it today, you're debt-free. Take $100,000, buy a $100,000 condo. Move yourself into it and that's your retirement home.&#34;</p>
<div class="lb-trans"><p>&#34;你有一栋价值 250,000 美元的房子，对吧？&#34;他说。&#34;今天就卖掉它，你就没有债务了。拿出 100,000 美元，买一套价值 100,000 美元的公寓。搬进去，那就是你的退休之家。&#34;</p>
</div><p>When Janice pushed back, saying HOA fees would be an issue, Ramsey cut it off quickly: &#34;No problem.&#34; The bigger issue wasn't fees—it was the clock ticking on their ability to earn.</p>
<div class="lb-trans"><p>当 Janice 反对说物业管理费会是个问题时，Ramsey 迅速打断了她：&#34;没问题。&#34;更大的问题不是费用，而是他们赚取收入的时间在流逝。</p>
</div><p>&#34;You're going to have to make a choice,&#34; he told her. &#34;Something has to give. This is not working right now.&#34;</p>
<div class="lb-trans"><p>&#34;你必须做出选择，&#34;他告诉她。&#34;必须有所妥协。现在这样行不通。&#34;</p>
</div><p>And then the final line—sharp, nonnegotiable:</p>
<div class="lb-trans"><p>然后是最后一句——尖锐、不可谈判：</p>
</div><p>&#34;He's going to have to work all his health will allow him. You're going to work all your health will allow you.&#34;</p>
<div class="lb-trans"><p>&#34;他必须在健康允许的情况下工作。你也要在健康允许的情况下工作。&#34;</p>
</div><p>According to data from the Federal Reserve's Survey of Consumer Finances, the average 65 to 74-year-old has over $609,000 set aside in retirement accounts. But averages don't tell the whole story. Half of households that age have $200,000 or less. Many have far less. Some, like Janice and her husband, have nothing.</p>
<div class="lb-trans"><p>根据美联储的 消费者财务调查 的数据，65 至 74 岁的人平均在退休账户中储蓄超过 609,000 美元。但平均数并不能说明全部情况。一半的家庭 在这个年龄段的储蓄为 200,000 美元或更少。许多人远远低于这个数字。有些人，比如 Janice 和她的丈夫，甚至一无所有。</p>
</div><p>And that's the point. It doesn't matter how old you are, or how close you are to the edge—waiting doesn't make the math nicer. Whether you're 30 or 70, still building or already behind, now is the time to get serious. Talk to a trusted financial adviser while you can still choose your outcome—before your choices start making themselves.</p>
<div class="lb-trans"><p>这就是关键。无论你多大年纪，或者你离边缘有多近——等待并不会让数学变得更美好。无论你是 30 岁还是 70 岁，无论是仍在积累还是已经落后，现在是认真对待的时候。在你仍然可以选择结果的时候，和值得信赖的财务顾问交谈——在你的选择开始自己做决定之前。</p>
</div><p><strong>Read Next: This Jeff Bezos-backed startup will allow you to become a landlord in just 10 minutes, with minimum investments as low as $100</strong> <strong>.</strong></p>
<div class="lb-trans"><p><strong>接下来阅读：这家由杰夫·贝索斯支持的初创公司将允许你 ** 在仅仅 10 分钟内成为房东，最低投资仅需 100 美元 **</strong> <strong>。</strong></p>
</div><p><em><strong>Image: Shutterstock</strong></em></p>
<div class="lb-trans"><p><em><strong>图片来源：Shutterstock</strong></em></p>
</div>

Dave Ramsey 在听到一对夫妇没有任何退休储蓄后对一位 70 岁的老人说：“你破产了——外出就餐导致你不得不打扫厕所。”