<p>最近在《拉姆齊秀》上，由 <strong>喬治·卡梅爾</strong> 和 <strong>傑德·沃肖</strong> 主持的一次電話諮詢發生了急劇轉變，因為一位聽眾提出了一個看似簡單的關於信用卡債務的問題。</p>
<p>這位來電者想知道他應該專注於償還高餘額但利率為 0% 的信用卡，還是利率較高但餘額較小的信用卡。</p>
<h2>債務雪球法與雪崩法</h2>
<p>卡梅爾插話説：“這很簡單，但很難理解並完全付諸行動。” 他説：“數學上講，為什麼要先償還利率最高的債務，因為你能省下最多的錢，對吧？但我們發現，真正成功擺脱債務的人都是使用債務雪球法。”</p>
<p><strong>不要錯過：</strong></p>
<ul>
<li><strong>受 Uber 和 Airbnb 啓發——德勤最快增長的軟件公司正在將 70 億部智能手機轉變為收入生成資產——只需$1,000，你就可以以每股僅$0.26 進行投資！</strong></li>
<li><strong>貝索斯最喜歡的房地產平台推出了一種方式來利用持續的私人信貸熱潮</strong></li>
</ul>
<p>債務雪球法並不關注利率，而是優先償還餘額最小的債務。“你可以忽略利率。想象一下它不存在——0% 或 50%，只需先償還餘額最小的債務，” 卡梅爾説。這個想法是，先償還小額債務可以建立動力並幫助改變行為，這最終能讓人們擺脱債務。</p>
<p>當來電者透露他總共有超過$220,000 的債務（不包括抵押貸款）時，談話發生了轉變。這包括$15,000 的信用卡債務、$18,000 的商業債務和約$80,000 的汽車貸款。</p>
<p><strong>熱門話題：許多人正在使用退休收入計算器來檢查他們是否在按計劃進行——以下是這一公式背後的詳細信息。</strong></p>
<p>卡梅爾震驚了。“你年收入$60,000，卻欠$80,000 的汽車貸款？” 她問。來電者解釋説，他最近買了一輛新 Kia，欠$53,000，儘管現在它的價值只有約$45,000。每月還款為$757。</p>
<p>“你還以為，‘天哪，我在這件事上賺了大錢！’” 卡梅爾開玩笑道，顯然對此感到難以置信。</p>
<p>結果發現，這名男子還欠$30,000 的麪包車，而它的價值僅為$20,000。兩輛車的還款壓得他的月預算喘不過氣來。“你因為這些車而陷入困境，” 沃肖直言不諱地説。“這兩輛車今天就得賣掉。”</p>
<p><strong>_另見：</strong><em>‘我該從哪個賬户先提取？’ 蘇茜·奧爾曼向 67 歲的老人解釋了提取退休賬户的最佳順序</em><strong>_</strong></p>
<p>除了車輛債務，來電者還有一個複雜的財務故事：他最近失去了父親，經歷了沒有遺囑的遺產認證，繼承了一套他現在每月支付$1,200 的房子，並且在單一收入的情況下養活他的未婚妻和他們三個不到兩歲的孩子。他還提到每月$300 的太陽能電池板，他本來並不想要。</p>
<p>儘管如此，他還是設法存下了$1,000——這是拉姆齊計劃中的第一步——並且每月通過副業額外收入$2,000 到$3,000。他的未婚妻是一名全職媽媽，也通過一家多層次營銷公司推廣護髮產品賺取幾百美元。</p>
<p>但卡梅爾警告不要依賴多層次營銷的收入。“谷歌一下這家公司的披露聲明，” 他説。他們在法律上必須披露有多少人賺錢。“我認為這不是你們的出路。”</p>
<p><strong>接下來閲讀：</strong></p>
<ul>
<li><strong>黑石公司稱 2025 年為另類資產之年。來自紐約的一家公司悄然建立了一個超過 60,000 名投資者的羣體，他們都參與了這一之前僅限於貝索斯和蓋茨等億萬富翁的另類資產類別。</strong></li>
<li><strong>如果你 35 歲、50 歲或 60 歲：到現在你應該存下或投資多少</strong></li>
</ul>

DAVE

<p>在《拉姆齊秀》上，一位來電者尋求關於管理信用卡債務的建議，但他透露自己總債務超過 22 萬美元，其中包括 8 萬美元的汽車貸款。主持人批評他融資購買 5.3 萬美元的起亞汽車的決定，而這輛車現在的價值為 4.5 萬美元，並建議他出售兩輛車。儘管面臨財務困境，他已經存下了 1000 美元，並通過副業獲得額外收入，但被警告不要依賴多層次營銷的收入</p>

<p>A recent call on “The Ramsey Show,” hosted by <strong>George Kamel</strong> and <strong>Jade Warshaw</strong>, took a sharp turn after a listener asked a seemingly straightforward question about credit card debt.</p>
<div class="lb-trans"><p>最近在《拉姆齊秀》上，由 <strong>喬治·卡梅爾</strong> 和 <strong>傑德·沃肖</strong> 主持的一次電話諮詢發生了急劇轉變，因為一位聽眾提出了一個看似簡單的關於信用卡債務的問題。</p>
</div><p>The caller wanted to know if he should focus on paying off credit cards with 0% interest but high balances, or the ones with higher interest rates and smaller balances.</p>
<div class="lb-trans"><p>這位來電者想知道他應該專注於償還高餘額但利率為 0% 的信用卡，還是利率較高但餘額較小的信用卡。</p>
</div><h2>Debt Snowball vs. Avalanche</h2>
<div class="lb-trans"><h2>債務雪球法與雪崩法</h2>
</div><p>Kamel jumped in: &#34;It's simple but it's hard to grasp and to fully just take action on,&#34; he said. “The math says why would you knock out the highest interest first because you’re saving the most money, right? But what we've found is that people who actually successfully get out of debt once and for all do it using the debt snowball method.”</p>
<div class="lb-trans"><p>卡梅爾插話説：“這很簡單，但很難理解並完全付諸行動。” 他説：“數學上講，為什麼要先償還利率最高的債務，因為你能省下最多的錢，對吧？但我們發現，真正成功擺脱債務的人都是使用債務雪球法。”</p>
</div><p><strong>Don't Miss:</strong></p>
<div class="lb-trans"><p><strong>不要錯過：</strong></p>
</div><ul>
<li><strong>Inspired by Uber and Airbnb – Deloitte's fastest-growing software company is transforming 7 billion smartphones into income-generating assets – with $1,000 you can invest at just $0.26/share!</strong></li>
<li><strong>Bezos' Favorite Real Estate Platform Launches A Way To Ride The Ongoing Private Credit Boom</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>受 Uber 和 Airbnb 啓發——德勤最快增長的軟件公司正在將 70 億部智能手機轉變為收入生成資產——只需$1,000，你就可以以每股僅$0.26 進行投資！</strong></li>
<li><strong>貝索斯最喜歡的房地產平台推出了一種方式來利用持續的私人信貸熱潮</strong></li>
</ul>
</div><p>Instead of focusing on interest rates, the debt snowball method prioritizes paying off the smallest balances first. “You can cross out the interest rate. Imagine it doesn't exist—0% or 50%, just pay off the smallest balance first,” said Kamel. The idea is that paying off smaller balances first builds momentum and helps change behavior, which is what ultimately gets people out of debt.</p>
<div class="lb-trans"><p>債務雪球法並不關注利率，而是優先償還餘額最小的債務。“你可以忽略利率。想象一下它不存在——0% 或 50%，只需先償還餘額最小的債務，” 卡梅爾説。這個想法是，先償還小額債務可以建立動力並幫助改變行為，這最終能讓人們擺脱債務。</p>
</div><p>The conversation took a turn when the caller revealed he had more than $220,000 in total debt—excluding his mortgage. That included $15,000 in credit cards, $18,000 in business debt, and about $80,000 in auto loans.</p>
<div class="lb-trans"><p>當來電者透露他總共有超過$220,000 的債務（不包括抵押貸款）時，談話發生了轉變。這包括$15,000 的信用卡債務、$18,000 的商業債務和約$80,000 的汽車貸款。</p>
</div><p><strong>Trending: Many are using retirement income calculators to check if they’re on pace —here’s a breakdown on what’s behind this formula.</strong></p>
<div class="lb-trans"><p><strong>熱門話題：許多人正在使用退休收入計算器來檢查他們是否在按計劃進行——以下是這一公式背後的詳細信息。</strong></p>
</div><p>Kamel was floored. &#34;You make $60,000 a year and you owe $80,000 in auto loans?&#34; she asked. The caller explained that he had recently bought a new Kia, owing $53,000 on it, even though it's now worth only about $45,000. The payment is $757 a month.</p>
<div class="lb-trans"><p>卡梅爾震驚了。“你年收入$60,000，卻欠$80,000 的汽車貸款？” 她問。來電者解釋説，他最近買了一輛新 Kia，欠$53,000，儘管現在它的價值只有約$45,000。每月還款為$757。</p>
</div><p>&#34;And you thought, ‘Man, I'm taking them to the cleaners on this one!’&#34; Kamel joked, clearly in disbelief.</p>
<div class="lb-trans"><p>“你還以為，‘天哪，我在這件事上賺了大錢！’” 卡梅爾開玩笑道，顯然對此感到難以置信。</p>
</div><p>As it turned out, the man also owed $30,000 on a minivan worth only $20,000. Between both cars, the payments were choking his monthly budget. &#34;You are sinking because of these cars,&#34; Warshaw said bluntly. &#34;Both of these cars need to go today.&#34;</p>
<div class="lb-trans"><p>結果發現，這名男子還欠$30,000 的麪包車，而它的價值僅為$20,000。兩輛車的還款壓得他的月預算喘不過氣來。“你因為這些車而陷入困境，” 沃肖直言不諱地説。“這兩輛車今天就得賣掉。”</p>
</div><p><strong>_See Also:</strong><em>‘Which Bucket Do I Draw From First?’ Suze Orman Explains To 67-Year-Old The Best Order For Tapping Into Her Retirement Accounts</em><strong>_</strong></p>
<div class="lb-trans"><p><strong>_另見：</strong><em>‘我該從哪個賬户先提取？’ 蘇茜·奧爾曼向 67 歲的老人解釋了提取退休賬户的最佳順序</em><strong>_</strong></p>
</div><p>Outside of the vehicle debt, the caller had a complicated financial story: He had recently lost his father, gone through probate without a will, inherited a home he's now paying $1,200 a month for, and is supporting his fiancée and their three babies under two years old on a single income. He also mentioned solar panels costing $300 a month that he didn't want in the first place.</p>
<div class="lb-trans"><p>除了車輛債務，來電者還有一個複雜的財務故事：他最近失去了父親，經歷了沒有遺囑的遺產認證，繼承了一套他現在每月支付$1,200 的房子，並且在單一收入的情況下養活他的未婚妻和他們三個不到兩歲的孩子。他還提到每月$300 的太陽能電池板，他本來並不想要。</p>
</div><p>Despite all of this, he had managed to save $1,000—Baby Step 1 in the Ramsey plan—and was bringing in an extra $2,000 to $3,000 a month from a side hustle. His fiancée, a stay-at-home mom, also earns a few hundred dollars promoting hair care products through a multi-level marketing company.</p>
<div class="lb-trans"><p>儘管如此，他還是設法存下了$1,000——這是拉姆齊計劃中的第一步——並且每月通過副業額外收入$2,000 到$3,000。他的未婚妻是一名全職媽媽，也通過一家多層次營銷公司推廣護髮產品賺取幾百美元。</p>
</div><p>But Kamel warned against counting on the MLM income. &#34;Google the disclosure statement for this company,&#34; he said. They legally have to disclose how many people make money. “I don't think this is the way out for you guys.”</p>
<div class="lb-trans"><p>但卡梅爾警告不要依賴多層次營銷的收入。“谷歌一下這家公司的披露聲明，” 他説。他們在法律上必須披露有多少人賺錢。“我認為這不是你們的出路。”</p>
</div><p><strong>Read Next:</strong></p>
<div class="lb-trans"><p><strong>接下來閲讀：</strong></p>
</div><ul>
<li><strong>BlackRock is calling 2025 the year of alternative assets. One firm from NYC has quietly built a group of 60,000+ investors who have all joined in on an alt asset class previously exclusive to billionaires like Bezos and Gates.</strong></li>
<li><strong>If You're Age 35, 50, or 60: Here’s How Much You Should Have Saved Vs. Invested By Now</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>黑石公司稱 2025 年為另類資產之年。來自紐約的一家公司悄然建立了一個超過 60,000 名投資者的羣體，他們都參與了這一之前僅限於貝索斯和蓋茨等億萬富翁的另類資產類別。</strong></li>
<li><strong>如果你 35 歲、50 歲或 60 歲：到現在你應該存下或投資多少</strong></li>
</ul>
</div>

Dave Ramsey 的來電者詢問如何還清信用卡債務——但因欠下 52,000 美元的 Kia 車貸而被批評——‘你因為這些車而陷入困境’