全面金钱改造
The total money makeover
Dave Ramsey · 初版 2003 年
13人推荐
17位读者提及
19次提及
为什么值得读
- 给出走出财务困境与清理债务的实用步骤
- 倡导通过合理牺牲换取日后的从容生活
- 助人摆脱月光与账单焦虑并找回生活安宁
Dave 将他17年的财务教学与咨询经验浓缩为7个条理分明、易于遵循的步骤，指引你走出债务泥潭，实现 Total Money Makeover。此外，你还将读到50多个来自普通人的真实故事，他们践行了这些原则并正赢得财富自由。这是一套适合所有人的方案，无论收入高低或年龄大小。通过 The Total Money Makeover，你将能够：制定万无一失的全额还债计划；识破最危险的10大金钱谬论；为应急与退休攒下一大笔丰厚的养老金；积极改变你
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……突如其来的一张400美元账单就能把他们压垮。如果你想过上非同寻常的生活，你就必须有非同寻常的优先级，并且做出牺牲。HN 上没几个人应该过着月光族的生活。可以去看看 Dave Ramsey 的《Total Money Makeover》，作为入门参考模型。没错，你现在必须做出牺牲，以后才能受益。
…unexpected $400 bill would ravage them. If you want to live a un-average life, you need to have un-average priorities and sacrifice. Few on HN should be living paycheck to paycheck. Check out Dave Ramsey's Total Money Makeover for a starting model. And yes, you'll have to sacrifice now to benefit later.
……低至5000美元就能和解。你甚至可以现在就打电话给他们，说明情况，开始尝试协商和解。我强烈建议听听 The Dave Ramsey show，读读他的书《The Total Money Makeover》。他会一步步教你如何走出这种烂摊子。如果你想深入聊聊，随时可以联系我。我经历过破产，对这方面懂了不少。d@dylanized.com
…settle for as low as $5k. You might even call them up now, explain the situation, and start trying to negotiate settlements. I highly recommend listening to The Dave Ramsey show and reading his book The Total Money Makeover. He walks you through how to get out of a mess like this. feel free to contact me if you'd like to talk in more depth. I have been through bankruptcy and learned a lot about this stuff. d@dylanized.com
……根据你收入的多少和波动性做出相应调整。我最近刚退出咨询这一行，但此前干了将近十年。如果你真想做出改变，我建议读读 Dave Ramsey 的《The Total Money Makeover》。
…appropriately for the amount and variability of your income. I just recently left the consulting game, but did so for nearly a decade. If you're truly interested in making a change I recommend reading The Total Money Makeover by Dave Ramsey.
我要推 Dave Ramsey 的《Total Money Makeover》。听我说——当你身无债务、住在一套不大但已经还清房贷的房子里时，你会有大量的额外“脑容量”，这些以前可都是用来应付账单、操心被裁员或者下一份工作等等的。然而……
I'm going to say Dave Ramsey's Total Money Makeover. Hear me out -- when you're debt-free in a modest paid-off house, you have so much extra "brain space" that used to be devoted to managing bills, worrying about layoffs or the next job, etc. Whereas…
Dave Ramsey 的《Total Money Makeover》同样也是对我人生改变最大的书。我现在的生活平静多了。TTMM 里经常引用的《The Millionaire Next Door》也非常棒。人们对百万富翁的普遍看法完全……
Dave Ramsey’s Total Money Makeover is my most life-changing book as well. My life is much more peaceful now. Often referenced in TTMM, is The Millionaire Next Door, which is also excellent. The common conception of millionaires completely…
……不要刷信用卡买东西，除非你每月都能全额还清欠款；去看看《Rich Dad Poor Dad》（领会其核心思想就行，千万别死板照搬他所有的建议）和 Dave Ramsey 的《Total Money Makeover》，趁年轻及早培养良好的理财习惯。）第二阶段：我会力推你规划（或至少考虑一下）（迟早）拥有自己的事业。做自由职业者或者在公司打工……
…do not buy things on credit cards unless you can pay off the balance monthly, check out Rich Dad Poor Dad, just take in the overall message don't follow all his advice to the letter and Dave Ramsey's Total Money Makeover to build good money management habits now while you're young.) Stage 2: I would push you to plan on (or at least think about) having your own business (eventually). Freelancing or working for a company…