<p>許多人談論如果他們在五年前購買了一隻股票，他們的 $10,000 投資會變成什麼。然而，有些人實際上會提前購買，並最終獲得可觀的收益。</p>
<p>有人在《拉姆齊秀》中打電話説，他 37 歲的姑姑擁有價值 $650,000 的特斯拉股票。她在特斯拉工作了六年，並沒有動用這些股票。打電話的人表示謹慎，認為把所有的雞蛋放在一個籃子裏並不好。</p>
<p><strong>不要錯過：</strong></p>
<ul>
<li><strong>‘滾動到 UBI’——德勤的第一快增長軟件公司允許用户在手機上賺錢。您今天可以以每股僅 $0.26 的價格投資，最低投資為 $1000。</strong></li>
<li><strong>傑夫·貝索斯支持的 Arrived Homes 在夏洛特物業上達成大交易——投資者獲得 34.7% 的回報</strong></li>
</ul>
<p>金融專家 <strong>戴夫·拉姆齊</strong> 對此評估表示贊同，並喜歡姑姑可以向侄子求助，而侄子告訴她要降低風險。視頻對話最終在拉姆齊的頻道上播出。他還分享了他會如何使用這筆錢，以及姑姑如何繼續積累財富。</p>
<h2>關於姑姑的更多背景</h2>
<p>姑姑是一名項目工程師，年收入 $70,000。她每月只支付 $1,000 的租金，並且有 $20,000 的債務將在今年償還。姑姑有退休投資，但沒有現金儲蓄。她希望等到資產達到 $1,000,000 時再出售，並且她也不想遭受鉅額税收損失。拉姆齊對資本利得税提供了相當直白的建議。</p>
<p>“你會有税。歡迎來到賺錢的世界。”</p>
<p>拉姆齊接着解釋説，這是一個好問題。他也沒有貶低特斯拉股票。他表示，無論這 $650,000 是在特斯拉、蘋果還是其他任何優質股票中，他都會持有相同的看法。拉姆齊相信投資組合多樣化，而不是將大部分或全部資本分配到單一資產中。</p>
<p><strong>趨勢：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，他們都參與了之前僅限於貝索斯和蓋茨等億萬富翁的另類資產類別。</strong></p>
<h2>拉姆齊會如何使用這 $650,000</h2>
<p>我們不知道姑姑需要支付多少資本利得税。她需要對她的收益支付 15% 的資本利得税，但拉姆齊認為這是值得支付的費用。</p>
<p>拉姆齊鼓勵姑姑將其視為廚房桌子上的 $650,000，而不是將其視為與特斯拉股票相關的資金。這位金融專家接着問，如果你看到那筆錢在你的廚房桌子上，你會怎麼做。</p>
<p>雖然每個人對如何使用這筆錢有不同的想法，但拉姆齊根據姑姑的財務狀況提供了建議。他表示，他會用這筆錢償還債務，然後購買一套房子。</p>
<p>打電話的人提到他們之前是一個低收入家庭，因此姑姑用現金在她所在地區購買房子是可行的。這樣，她就不必擔心任何租金或抵押貸款支付。</p>
<p><strong><em>另見：</em>‘我應該從哪個賬户先提取？’ 蘇茜·奧爾曼向 67 歲老人解釋提取退休賬户的最佳順序_</strong></p>
<h2>加大對退休賬户的投資</h2>
<p>拉姆齊總結説，如果她將更多資金投入到退休賬户中，她可以再賺取一百萬。如果她遵循拉姆齊的方法，她將沒有抵押貸款支付，並且能夠更好地最大化她的 401(k) 計劃和羅斯 IRA。</p>
<p>拉姆齊相信她每月可以投資接近 $5,000，這將是一個巨大的改變。特斯拉股票對她來説表現良好，但出售部分或全部股票可以打開更多的可能性。如果她明智地使用額外資金，她可以以可持續的方式提升生活質量。</p>
<p><strong>接下來閲讀：</strong></p>
<ul>
<li><strong>孩之寶、米高梅和斯凱奇信任這家 AI 營銷公司——現在以每股 $0.55 的價格投資 IPO 前的股份</strong>。**</li>
<li><strong>如果你 35 歲、50 歲或 60 歲：看看你現在應該儲蓄或投資的金額</strong></li>
</ul>

特斯拉

<p>戴夫·拉姆齊向一位來電者建議，關於他姑姑的 65 萬美元特斯拉股票，強調了多樣化的重要性，並接受資本利得税作為賺錢的一部分。他建議她將這隻股票視為桌上的現金，推薦她償還 2 萬美元的債務，並考慮購買房屋以消除租金。拉姆齊認為，這種方法可以改善她的財務狀況，使她能夠在退休賬户中進行大量投資，並提高生活質量</p>

<p>Many people talk about what their $10,000 investment would have turned into if they bought a stock five years before it became popular. However, some people actually buy early and end up with substantial gains.</p>
<div class="lb-trans"><p>許多人談論如果他們在五年前購買了一隻股票，他們的 $10,000 投資會變成什麼。然而，有些人實際上會提前購買，並最終獲得可觀的收益。</p>
</div><p>Someone called into &#34;The Ramsey Show&#34; saying that his 37-year-old aunt has $650,000 worth of Tesla stock. She worked at Tesla for six years and didn't touch the stock. The caller expressed caution, saying that it's not good to put all of your eggs in one basket.</p>
<div class="lb-trans"><p>有人在《拉姆齊秀》中打電話説，他 37 歲的姑姑擁有價值 $650,000 的特斯拉股票。她在特斯拉工作了六年，並沒有動用這些股票。打電話的人表示謹慎，認為把所有的雞蛋放在一個籃子裏並不好。</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>‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can invest today for just $0.26/share with a $1000 minimum.</strong></li>
<li><strong>Jeff Bezos-Backed Arrived Homes Hits A Big Sale On Charlotte Property – Investors Earning A 34.7% Return</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>‘滾動到 UBI’——德勤的第一快增長軟件公司允許用户在手機上賺錢。您今天可以以每股僅 $0.26 的價格投資，最低投資為 $1000。</strong></li>
<li><strong>傑夫·貝索斯支持的 Arrived Homes 在夏洛特物業上達成大交易——投資者獲得 34.7% 的回報</strong></li>
</ul>
</div><p>Financial guru <strong>Dave Ramsey</strong> was on board with the assessment and liked that the aunt could turn to her nephew and that he told her to minimize her risk. The video conversation ended up on Ramsey's channel. He also shares what he would do with the money and how the aunt can continue to build wealth.</p>
<div class="lb-trans"><p>金融專家 <strong>戴夫·拉姆齊</strong> 對此評估表示贊同，並喜歡姑姑可以向侄子求助，而侄子告訴她要降低風險。視頻對話最終在拉姆齊的頻道上播出。他還分享了他會如何使用這筆錢，以及姑姑如何繼續積累財富。</p>
</div><h2>More Context on the Aunt</h2>
<div class="lb-trans"><h2>關於姑姑的更多背景</h2>
</div><p>The aunt works as a project engineer and earns $70,000 per year. She's only paying $1,000 per month in rent and has $20,000 in debt that will be paid off this year. The aunt has retirement investments but no cash savings. She wants to wait until it reaches $1 million to sell, and she also doesn't want to take a big tax hit. Ramsey offered pretty blunt advice on the capital gains taxes.</p>
<div class="lb-trans"><p>姑姑是一名項目工程師，年收入 $70,000。她每月只支付 $1,000 的租金，並且有 $20,000 的債務將在今年償還。姑姑有退休投資，但沒有現金儲蓄。她希望等到資產達到 $1,000,000 時再出售，並且她也不想遭受鉅額税收損失。拉姆齊對資本利得税提供了相當直白的建議。</p>
</div><p>&#34;You're going to have taxes. Welcome to making money.&#34;</p>
<div class="lb-trans"><p>“你會有税。歡迎來到賺錢的世界。”</p>
</div><p>Ramsey went on to explain how this is a good problem to have. He also didn't bash Tesla stock. He said he would have the same opinion regardless of whether the $650,000 was in Tesla, Apple, or any other solid stock. Ramsey believes in portfolio diversification over allocating most or all of your capital into a single holding.</p>
<div class="lb-trans"><p>拉姆齊接着解釋説，這是一個好問題。他也沒有貶低特斯拉股票。他表示，無論這 $650,000 是在特斯拉、蘋果還是其他任何優質股票中，他都會持有相同的看法。拉姆齊相信投資組合多樣化，而不是將大部分或全部資本分配到單一資產中。</p>
</div><p><strong>Trending: 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></p>
<div class="lb-trans"><p><strong>趨勢：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，他們都參與了之前僅限於貝索斯和蓋茨等億萬富翁的另類資產類別。</strong></p>
</div><h2>How Ramsey Would Use the $650,000</h2>
<div class="lb-trans"><h2>拉姆齊會如何使用這 $650,000</h2>
</div><p>We don't know how much the aunt would have to pay in capital gains tax. She would have to pay a 15% capital gains tax rate on her gains, but Ramsey views it as an expense worth paying.</p>
<div class="lb-trans"><p>我們不知道姑姑需要支付多少資本利得税。她需要對她的收益支付 15% 的資本利得税，但拉姆齊認為這是值得支付的費用。</p>
</div><p>Ramsey encourages the aunt to view it as $650,000 on the kitchen table instead of seeing it as money tied to Tesla stock. The financial guru proceeds to ask what you would do if you saw that money on your kitchen table.</p>
<div class="lb-trans"><p>拉姆齊鼓勵姑姑將其視為廚房桌子上的 $650,000，而不是將其視為與特斯拉股票相關的資金。這位金融專家接着問，如果你看到那筆錢在你的廚房桌子上，你會怎麼做。</p>
</div><p>While each person has different ideas of what they would do with the money, Ramsey offered suggestions based on the aunt's financial situation. He said he would use the money to pay off the debt and then buy a house.</p>
<div class="lb-trans"><p>雖然每個人對如何使用這筆錢有不同的想法，但拉姆齊根據姑姑的財務狀況提供了建議。他表示，他會用這筆錢償還債務，然後購買一套房子。</p>
</div><p>The caller mentioned they were a low-income household earlier, so it may be feasible for the aunt to buy a house with cash in her area. Then, she doesn't have to worry about any rent or mortgage payments.</p>
<div class="lb-trans"><p>打電話的人提到他們之前是一個低收入家庭，因此姑姑用現金在她所在地區購買房子是可行的。這樣，她就不必擔心任何租金或抵押貸款支付。</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><em>另見：</em>‘我應該從哪個賬户先提取？’ 蘇茜·奧爾曼向 67 歲老人解釋提取退休賬户的最佳順序_</strong></p>
</div><h2>Load Up On Your Retirement Accounts</h2>
<div class="lb-trans"><h2>加大對退休賬户的投資</h2>
</div><p>Ramsey wraps things up by saying she can make another million if she puts more money into her retirement accounts. If she follows Ramsey's approach, she won't have any mortgage payments and will be in a better position to max out her 401(k) plan and Roth IRA.</p>
<div class="lb-trans"><p>拉姆齊總結説，如果她將更多資金投入到退休賬户中，她可以再賺取一百萬。如果她遵循拉姆齊的方法，她將沒有抵押貸款支付，並且能夠更好地最大化她的 401(k) 計劃和羅斯 IRA。</p>
</div><p>Ramsey believes she can invest close to $5,000 per month, which would be a big game changer. Tesla stock has served her well, but selling some or all of the shares can open up more possibilities. She can enhance her quality of life in a sustainable manner if she uses the extra funds wisely.</p>
<div class="lb-trans"><p>拉姆齊相信她每月可以投資接近 $5,000，這將是一個巨大的改變。特斯拉股票對她來説表現良好，但出售部分或全部股票可以打開更多的可能性。如果她明智地使用額外資金，她可以以可持續的方式提升生活質量。</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>Hasbro, MGM, and Skechers trust this AI marketing firm — invest pre-IPO from $0.55 per share now</strong> <strong>.</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>孩之寶、米高梅和斯凱奇信任這家 AI 營銷公司——現在以每股 $0.55 的價格投資 IPO 前的股份</strong>。**</li>
<li><strong>如果你 35 歲、50 歲或 60 歲：看看你現在應該儲蓄或投資的金額</strong></li>
</ul>
</div>

Dave Ramsey's Blunt Advice To Aunt Who Won't Sell $650K In Tesla Stock Over Tax Fears: 'You're Going To Have Taxes. Welcome To Making Money.'

- 一位 37 歲女性在特斯拉工作六年，持有 65 萬美元股票。  
- 她計劃等股票升至 100 萬美元再出售，避免高額税費。  
- 財務顧問建議她還清債務並投資退休賬户，以提高生活質量。

戴夫·拉姆齊對因擔心税收而不願出售 65 萬美元特斯拉股票的姑姑的直率建議：‘你會有税收的。歡迎賺錢。’