<p>一位 31 岁的音乐家在怀孕的未婚妻要求他用 15% 的储蓄来帮助她的父母摆脱即将失去的房子后，坚决拒绝了她的请求。这所房子是继承来的，曾经完全还清，但现在面临止赎。</p>
<h2>房子在他们抵押之前是完全清偿的</h2>
<p>根据这位音乐家的说法，他最近在 Reddit 的 r/AITAH 上分享了他的故事，这所房子最初属于他未婚妻的祖母，15 年前由她的父母继承。它曾经完全还清。但她的父母后来 抵押了房子以获取现金，经过多年的还款挣扎，银行现在正在启动加速条款。</p>
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<p>这位男士表示，拯救房子所需的金额很大，但对他来说并不致命。“这大约是我储蓄的 15%，” 他写道，表示他通过表演、教授音乐和为知名艺术家制作曲目来谋生。但即使有这样的收入，他也很谨慎。</p>
<p>“拥有一笔可观的储蓄对我来说很重要，” 他说，因为他已经有一个 10 岁的儿子，另一个孩子将在 5 月出生。他希望能 帮助孩子上大学 和未来的购房，尤其是因为他在没有这种支持的情况下长大。“我希望能够支付大学费用并 帮助他们买房（这些是我父母无法做到的事情），” 他说。</p>
<p>然而，他的未婚妻对此感到不满。她认为没有理由不偿还，告诉他他们不会在经济上受到伤害，而且他的收入可能会增长。“她认为我可以 ‘轻松’ 支付，但我拒绝这样做，” 他写道。</p>
<p>他不同意。“我认为这是在保护我们的长期财务稳定，” 他补充道。“如果发生止赎，她的父母将获得他们在房子中的权益，并能够负担得起其他地方。”</p>
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<h2>公众反应迅速而强烈</h2>
<p>评论者们压倒性地支持他。“他们有一所已还清的房子，现在却因为疏忽而失去它，” 有人说。“一笔 ‘贷款’ 只会让他们更依赖。” 其他人警告说，如果他现在支付，家人将会再次期待这种帮助。</p>
<p>一些人敦促他签署婚前协议，有人写道：“他们还没有结婚，她就已经试图情感操控他进入他的资产。”</p>
<p>这位男士还指出，他不想拥有这所房子，他形容这所房子老旧且需要不断修理。它位于一个他未婚妻自己称之为 “地狱般的业主协会” 的地方。</p>
<p>评论者指出，帮助可能很快变成一场噩梦。“一旦你救了他们，你就永远是安全网，” 有人警告。“这个先例永远不会消失。”</p>
<p><strong><em>另见：这个 ETF 发行商并不追逐指数——它正在构建收入、杠杆和信念的工具</em></strong></p>
<p>其他人分享了借钱给家庭成员的个人故事，这些家庭成员毁坏了房屋，未能支付租金，并永久损害了关系。</p>
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<p>这位音乐家尚未做出最终决定，但大多数评论者一致认为：这所房子曾经已经还清。支付同一所房子的费用不是他的责任。</p>
<p><strong>阅读下一篇：无众筹风险的私募房地产——** 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 31 岁的音乐家拒绝使用他 15% 的储蓄来帮助他怀孕的未婚妻的父母避免对他们继承的房屋的止赎，该房屋曾经是全款购买的。父母贷款后，现在在偿还贷款方面遇到困难。虽然音乐家认为保护自己和孩子的长期财务稳定很重要，但他的未婚妻觉得他应该提供帮助。公众舆论大多支持音乐家，认为帮助可能会导致她家人对他产生持续的财务期待</p>

<p>A 31-year-old musician is drawing a hard line with his pregnant fiancée after she asked him to use 15% of his savings to bail out her parents, who are about to lose their home. The home, which was inherited and once fully paid off, is now facing foreclosure.</p>
<div class="lb-trans"><p>一位 31 岁的音乐家在怀孕的未婚妻要求他用 15% 的储蓄来帮助她的父母摆脱即将失去的房子后，坚决拒绝了她的请求。这所房子是继承来的，曾经完全还清，但现在面临止赎。</p>
</div><h2>The House Was Free And Clear Until They Mortgaged It</h2>
<div class="lb-trans"><h2>房子在他们抵押之前是完全清偿的</h2>
</div><p>According to the musician, who shared his story on Reddit’s r/AITAH recently, the house originally belonged to his fiancée's grandmother before her parents inherited it 15 years ago. It was completely paid off. But her parents later took out a mortgage to access cash, and after years of struggling to make payments, the bank is now invoking the acceleration clause.</p>
<div class="lb-trans"><p>根据这位音乐家的说法，他最近在 Reddit 的 r/AITAH 上分享了他的故事，这所房子最初属于他未婚妻的祖母，15 年前由她的父母继承。它曾经完全还清。但她的父母后来 抵押了房子以获取现金，经过多年的还款挣扎，银行现在正在启动加速条款。</p>
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</div><p>The man said the amount needed to save the home is significant, but not ruinous for him. “It would be about 15% of my savings,” he wrote, saying that he earns a living through performing, teaching music, and producing tracks for well-known artists. But even with that income, he's cautious.</p>
<div class="lb-trans"><p>这位男士表示，拯救房子所需的金额很大，但对他来说并不致命。“这大约是我储蓄的 15%，” 他写道，表示他通过表演、教授音乐和为知名艺术家制作曲目来谋生。但即使有这样的收入，他也很谨慎。</p>
</div><p>“Having a substantial savings account is important to me,” he said, as he already has a 10-year-old son and another baby due in May. He wants to help his kids with college and future home purchases, especially since he grew up without that kind of support. “I want to be able to pay for college and help them buy a house (things my parents could not dream of doing),” he said.</p>
<div class="lb-trans"><p>“拥有一笔可观的储蓄对我来说很重要，” 他说，因为他已经有一个 10 岁的儿子，另一个孩子将在 5 月出生。他希望能 帮助孩子上大学 和未来的购房，尤其是因为他在没有这种支持的情况下长大。“我希望能够支付大学费用并 帮助他们买房（这些是我父母无法做到的事情），” 他说。</p>
</div><p>His fiancée, however, is upset. She believes there's no reason not to pay it off, telling him they wouldn't be hurting financially and that his income is likely to grow. “She sees it as I could ‘easily’ pay it, but I am refusing to do so,” he wrote.</p>
<div class="lb-trans"><p>然而，他的未婚妻对此感到不满。她认为没有理由不偿还，告诉他他们不会在经济上受到伤害，而且他的收入可能会增长。“她认为我可以 ‘轻松’ 支付，但我拒绝这样做，” 他写道。</p>
</div><p>He disagrees. “I see it as protecting our long-term financial stability,” he added. “If a foreclosure happens, her parents will get the equity they have in the house and be able to afford a different place.”</p>
<div class="lb-trans"><p>他不同意。“我认为这是在保护我们的长期财务稳定，” 他补充道。“如果发生止赎，她的父母将获得他们在房子中的权益，并能够负担得起其他地方。”</p>
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</div><h2>Public Reaction Was Swift And Strong</h2>
<div class="lb-trans"><h2>公众反应迅速而强烈</h2>
</div><p>Commenters overwhelmingly sided with him. “They had a paid-up house and now they are losing it through negligence,” someone said. “A ‘loan’ will only enable them.” Others warned that if he pays now, the family will expect it again.</p>
<div class="lb-trans"><p>评论者们压倒性地支持他。“他们有一所已还清的房子，现在却因为疏忽而失去它，” 有人说。“一笔 ‘贷款’ 只会让他们更依赖。” 其他人警告说，如果他现在支付，家人将会再次期待这种帮助。</p>
</div><p>Some  urged him to get a prenup, with one writing, “They’re not even married yet and she’s already trying to emotionally manipulate her way into his assets.”</p>
<div class="lb-trans"><p>一些人敦促他签署婚前协议，有人写道：“他们还没有结婚，她就已经试图情感操控他进入他的资产。”</p>
</div><p>The man also noted that he wants no ownership of the home, which he described as old and constantly in need of repairs. It's located in a homeowners association his fiancée herself has called “the HOA from hell.”</p>
<div class="lb-trans"><p>这位男士还指出，他不想拥有这所房子，他形容这所房子老旧且需要不断修理。它位于一个他未婚妻自己称之为 “地狱般的业主协会” 的地方。</p>
</div><p>Commenters pointed out that helping could quickly turn into a nightmare. “Once you rescue them, you’re the safety net forever,” one warned. “That precedent never goes away.”</p>
<div class="lb-trans"><p>评论者指出，帮助可能很快变成一场噩梦。“一旦你救了他们，你就永远是安全网，” 有人警告。“这个先例永远不会消失。”</p>
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<div class="lb-trans"><p><strong><em>另见：这个 ETF 发行商并不追逐指数——它正在构建收入、杠杆和信念的工具</em></strong></p>
</div><p>Others shared personal stories of lending money to family members who trashed homes, failed to pay rent, and permanently damaged relationships.</p>
<div class="lb-trans"><p>其他人分享了借钱给家庭成员的个人故事，这些家庭成员毁坏了房屋，未能支付租金，并永久损害了关系。</p>
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<div class="lb-trans"><p>如果你年收入超过 10 万美元，并面临类似的财务十字路口，与财务顾问合作可能会有所帮助。Domain Money 将你与认证专业人士配对，帮助你做出更聪明、更自信的决策。他们目前为准备将规划提升到新水平的人提供免费的策略会议。</p>
</div><p>The musician hasn't made a final decision yet, but most commenters agreed: the house was already paid off once. It's not his job to pay for the same house twice.</p>
<div class="lb-trans"><p>这位音乐家尚未做出最终决定，但大多数评论者一致认为：这所房子曾经已经还清。支付同一所房子的费用不是他的责任。</p>
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<div class="lb-trans"><p><strong>阅读下一篇：无众筹风险的私募房地产——** 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>

他本可以轻松地帮助怀孕的未婚妻的父母避免房屋被止赎，但他拒绝这样做，因为这栋房子曾经已经付清了