<p>最近的一次电话访谈中，<strong>The Ramsey Show</strong> 揭示了一位路易斯安那州女性在丈夫被捕后所面临的情感和财务混乱，她的丈夫可能面临多年监禁。</p>
<h2>租赁物业、两个孩子和失败的商业计划</h2>
<p>来自巴吞鲁日的两位母亲梅根告诉主持人 <strong>Jade Warshaw</strong> 和 <strong>Ken Coleman</strong>，她的丈夫在他们通话的前一周被捕。关于他可能的刑期，目前尚不清楚，但可能在两到十年之间。</p>
<p>这种不确定性颠覆了他们的财务状况。梅根表示，她的丈夫经营着一家成功的草坪护理和园艺公司，还负责他们三处租赁物业的维护。他每月的收入在 10,000 到 15,000 美元之间。</p>
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<p>现在，只剩下她一个人。她全职工作，税后和保险后每月收入约为 4,000 美元。他们有两个孩子，分别是 11 岁和 17 岁，都在私立学校就读。</p>
<p>“我只是想要提前做好准备，以免落后，” 她对主持人说。</p>
<p>科尔曼询问了关于业务的细节。“他有员工吗，还是他自己做所有的工作？” 梅根说他大部分工作都是自己做的，只有在冬季淡季时有一名员工。</p>
<p>这让主持人建议她考虑以某种形式继续经营业务，可能通过引入某人来接管体力劳动，并给予他们利润分成。“与其失去每月 15,000 美元的收入，也许你只会错过五六千，” Warshaw 说。</p>
<p>但梅根承认她一直与业务方面保持距离。“我从来不想参与。我想把我们的工作分开，” 她说。</p>
<p><strong>趋势：拥有财务计划的美国人可以将财富增加四倍 — ** 从 CFP 专业人士那里获取您的个性化计划 **</strong></p>
<p>尽管如此，科尔曼还是鼓励她与丈夫进行直接而务实的对话。“你每周在这些草坪上实际工作多少小时？” 他建议她问。“谁负责会计？”</p>
<p>他还敦促她在求职广告之前探索她的 支持网络。 “你是否有良好的支持系统和社区，无论是教堂、邻居还是家人？”</p>
<p>梅根表示，一些亲密的朋友和家人仍然支持她，她计划联系目前为她丈夫工作的员工。</p>
<h2>简化财务是下一步</h2>
<p>如果业务无法挽救，Warshaw 将谈话转向管理梅根可以控制的事务。</p>
<p>梅根表示，他们的抵押贷款每月为 4,000 美元，房屋欠款约为 260,000 美元。一处租赁物业仍有 140,000 美元的抵押贷款。</p>
<p><strong><em>另见： 自 1995 年以来，蓝筹艺术的表现一直超过标准普尔 500 指数，而分散投资现在使普通投资者能够接触这一机构资产类别。</em></strong></p>
<p>“如果我是你，我会考虑简化这一切，” Warshaw 说。她建议梅根列出所有消费债务，并考虑出售其中一处物业以释放现金并减少每月的负担。</p>
<p>由于她的丈夫在可预见的未来可能无法在财务上提供支持，现在 削减开支 可能会防止未来更深的财务危机。</p>
<h2>专家帮助可能会带来重大变化</h2>
<p>面临财务动荡的家庭通常不知道从何开始。Domain Money 提供针对年收入 100,000 美元或以上家庭的个性化财务规划。对于像梅根这样的人，拥有专业人士指导他们做出艰难选择，比如是否出售房屋、如何在单一收入下制定预算或如何处理小企业，可以带来更清晰的计划和更大的安心。</p>
<p>目前，梅根正在探索她的选择。她并没有放弃，但正如科尔曼所指出的，她正面临一场风暴：“这一切就像龙卷风一样向你袭来。”</p>
<p><strong>阅读下一篇：无众筹风险的私人市场房地产— ** 直接接触由一家超过 120 亿美元房地产公司管理的机构级交易 **</strong></p>
<p><strong><em>图片来源：Shutterstock</em></strong></p>

<p>一位来自路易斯安那州的女性梅根面临财务困境，因为她的丈夫被逮捕，可能面临 2 到 10 年的监禁。他之前经营着一家成功的草坪护理公司和三处出租物业，每月收入在 10,000 到 15,000 美元之间。梅根的收入为 4,000 美元，她在维持生活方式方面感到困难，并被建议考虑继续经营这家公司。专家建议简化财务，可能出售一处物业，并寻求专业的财务指导以应对这一危机</p>

<p>A recent call to “ The Ramsey Show” revealed the emotional and financial chaos one Louisiana woman is trying to navigate after her husband was arrested and could be facing years behind bars.</p>
<div class="lb-trans"><p>最近的一次电话访谈中，<strong>The Ramsey Show</strong> 揭示了一位路易斯安那州女性在丈夫被捕后所面临的情感和财务混乱，她的丈夫可能面临多年监禁。</p>
</div><h2>Rental Properties, Two Kids And A Failing Business Plan</h2>
<div class="lb-trans"><h2>租赁物业、两个孩子和失败的商业计划</h2>
</div><p>Megan, a mother of two from Baton Rouge told hosts <strong>Jade Warshaw</strong> and <strong>Ken Coleman</strong> that her husband had been arrested just the week before their call. The timeline of his potential sentence isn't yet clear, but it could be anywhere from two to 10 years.</p>
<div class="lb-trans"><p>来自巴吞鲁日的两位母亲梅根告诉主持人 <strong>Jade Warshaw</strong> 和 <strong>Ken Coleman</strong>，她的丈夫在他们通话的前一周被捕。关于他可能的刑期，目前尚不清楚，但可能在两到十年之间。</p>
</div><p>That uncertainty has upended their finances. Megan said her husband ran a successful lawn care and landscaping business and also handled maintenance for their three rental properties. He brought in between $10,000 and $15,000 a month.</p>
<div class="lb-trans"><p>这种不确定性颠覆了他们的财务状况。梅根表示，她的丈夫经营着一家成功的草坪护理和园艺公司，还负责他们三处租赁物业的维护。他每月的收入在 10,000 到 15,000 美元之间。</p>
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</div><p>Now, it's just her. She works full-time and brings home about $4,000 a month after taxes and insurance. They have two children, ages 11 and 17, both attending private school.</p>
<div class="lb-trans"><p>现在，只剩下她一个人。她全职工作，税后和保险后每月收入约为 4,000 美元。他们有两个孩子，分别是 11 岁和 17 岁，都在私立学校就读。</p>
</div><p>“I’m just trying to get ahead so I don’t get behind,” she told the hosts.</p>
<div class="lb-trans"><p>“我只是想要提前做好准备，以免落后，” 她对主持人说。</p>
</div><p>Coleman pressed for details on the business. “Does he have people that work for him, or is he doing all the work?” Megan said he does the majority of it himself and only has one employee during the slower winter season.</p>
<div class="lb-trans"><p>科尔曼询问了关于业务的细节。“他有员工吗，还是他自己做所有的工作？” 梅根说他大部分工作都是自己做的，只有在冬季淡季时有一名员工。</p>
</div><p>That led to the hosts suggesting she consider keeping the business running in some form, possibly by bringing someone in to take over the physical labor and offering them a profit share. “Instead of losing out on $15,000 a month, maybe you’re only missing out on five or six,” Warshaw said.</p>
<div class="lb-trans"><p>这让主持人建议她考虑以某种形式继续经营业务，可能通过引入某人来接管体力劳动，并给予他们利润分成。“与其失去每月 15,000 美元的收入，也许你只会错过五六千，” Warshaw 说。</p>
</div><p>But Megan admitted she had kept her distance from the business side of things. “I’ve never really wanted to be involved. I wanted to keep our jobs separate,” she said.</p>
<div class="lb-trans"><p>但梅根承认她一直与业务方面保持距离。“我从来不想参与。我想把我们的工作分开，” 她说。</p>
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<div class="lb-trans"><p><strong>趋势：拥有财务计划的美国人可以将财富增加四倍 — ** 从 CFP 专业人士那里获取您的个性化计划 **</strong></p>
</div><p>Still, Coleman encouraged her to have a direct and practical conversation with her husband. “How many hours a week are you actually doing something in these lawns?” he suggested she ask. “Who does the accounting?”</p>
<div class="lb-trans"><p>尽管如此，科尔曼还是鼓励她与丈夫进行直接而务实的对话。“你每周在这些草坪上实际工作多少小时？” 他建议她问。“谁负责会计？”</p>
</div><p>He also urged her to explore her support network before turning to job ads. “Do you have a good support system and community, whether it be church or neighbors or family?”</p>
<div class="lb-trans"><p>他还敦促她在求职广告之前探索她的 支持网络。 “你是否有良好的支持系统和社区，无论是教堂、邻居还是家人？”</p>
</div><p>Megan said a few close friends and family are still standing by her, and she plans to reach out to the employee who currently works for her husband.</p>
<div class="lb-trans"><p>梅根表示，一些亲密的朋友和家人仍然支持她，她计划联系目前为她丈夫工作的员工。</p>
</div><h2>Simplifying Finances Is The Next Step</h2>
<div class="lb-trans"><h2>简化财务是下一步</h2>
</div><p>If the business can't be salvaged, Warshaw shifted the conversation toward managing what Megan can control.</p>
<div class="lb-trans"><p>如果业务无法挽救，Warshaw 将谈话转向管理梅根可以控制的事务。</p>
</div><p>Megan said their mortgage payment is $4,000 a month and they owe about $260,000 on the house. One rental property still carries a $140,000 mortgage.</p>
<div class="lb-trans"><p>梅根表示，他们的抵押贷款每月为 4,000 美元，房屋欠款约为 260,000 美元。一处租赁物业仍有 140,000 美元的抵押贷款。</p>
</div><p><strong><em>See Also: Blue-chip art has historically outpaced the S&amp;P 500 since 1995, and fractional investing is now opening this institutional asset class to everyday investors.</em></strong></p>
<div class="lb-trans"><p><strong><em>另见： 自 1995 年以来，蓝筹艺术的表现一直超过标准普尔 500 指数，而分散投资现在使普通投资者能够接触这一机构资产类别。</em></strong></p>
</div><p>“I'd be looking to simplify this if I were you,” Warshaw said. She recommended Megan write out all their consumer debt and consider selling one of the properties to free up cash and reduce monthly obligations.</p>
<div class="lb-trans"><p>“如果我是你，我会考虑简化这一切，” Warshaw 说。她建议梅根列出所有消费债务，并考虑出售其中一处物业以释放现金并减少每月的负担。</p>
</div><p>With her husband likely unable to contribute financially for the foreseeable future, cutting expenses now could prevent a deeper financial crisis later.</p>
<div class="lb-trans"><p>由于她的丈夫在可预见的未来可能无法在财务上提供支持，现在 削减开支 可能会防止未来更深的财务危机。</p>
</div><h2>Expert Help Could Make A Big Difference</h2>
<div class="lb-trans"><h2>专家帮助可能会带来重大变化</h2>
</div><p>Families dealing with financial upheaval often don't know where to start. Domain Money offers personalized financial planning tailored to households earning $100,000 or more. For people like Megan, having a professional guide them through tough choices, like whether to sell a home, how to budget on one income, or what to do with a small business, can result in a clearer plan and greater peace of mind.</p>
<div class="lb-trans"><p>面临财务动荡的家庭通常不知道从何开始。Domain Money 提供针对年收入 100,000 美元或以上家庭的个性化财务规划。对于像梅根这样的人，拥有专业人士指导他们做出艰难选择，比如是否出售房屋、如何在单一收入下制定预算或如何处理小企业，可以带来更清晰的计划和更大的安心。</p>
</div><p>For now, Megan is exploring her options. She's not giving up, but as Coleman pointed out, she's facing a storm: “All of this is coming at you like a tornado.”</p>
<div class="lb-trans"><p>目前，梅根正在探索她的选择。她并没有放弃，但正如科尔曼所指出的，她正面临一场风暴：“这一切就像龙卷风一样向你袭来。”</p>
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<div class="lb-trans"><p><strong>阅读下一篇：无众筹风险的私人市场房地产— ** 直接接触由一家超过 120 亿美元房地产公司管理的机构级交易 **</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>

她的丈夫可能面临长达 10 年的监禁。‘Ramsey Show’ 的主持人建议她接管他的生意，但事情并没有那么简单