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Dave Says … Debt is Normal, but that doesn’t make it smart Dave siger ... Gæld er Normal, men det gør det ikke smart

Dave Says By Dave Ramsey Dave siger ved Dave Ramsey

Dear Dave, Kære Dave,
I’ve been trying to talk my husband out of going into debt to pay for things for years now. Jeg har forsøgt at tale min mand ud af at gå i gæld at betale for ting i årevis nu. His idea is that debt is normal and there’s nothing wrong with it, as long as we can afford the monthly payments. Hans idé er, at gælden er normal og der er intet galt med det, så længe vi har råd til de månedlige betalinger. We can afford these payments right now, but I don’t think its OK and I’m worried about the future. Vi har råd til disse betalinger lige nu, men jeg tror ikke, at dens OK, og jeg er bekymrede for fremtiden. I’d rather invest the money or save it instead of giving it to creditors. Jeg vil hellere investere de penge, eller gemme det i stedet for at give den til kreditorerne.
— Annette - Annette

Dear Annette, Kære Annette,
Well, your husband is right about one thing. Tja, din mand har ret i én ting. Debt IS normal in this country today. Gæld er normalt i dette land i dag. But that doesn’t make it smart or OK. Men det gør det ikke smart eller OK. He was wrong, though, when he said you can afford the extra payments. Han var forkert, selv om, når han siger, du har råd til de ekstra betalinger. Here’s what I mean. Her er hvad jeg mener.

On average, about three out of every 100 people in the United States are wealthy. I gennemsnit er omkring tre ud af hver 100 personer i USA er velhavende. By wealthy, I mean they make at least $200,000 a year and have a net worth of $1 million or more. Velhavende, og her mener jeg de gør mindst $ 200.000 om året og har en nettoformue på $ 1 million eller mere. I think it’s pretty fair to say that these folks aren’t normal. Jeg tror, det er temmelig fair at sige, at disse folk er ikke normal. You might even say they’re weird when compared to everyone else. Du kan endda sige, de er mærkelige i forhold til alle andre.

Financially speaking, being normal in today’s society means being broke. Finansielt set er normale i det moderne samfund: at være brød. According to The Wall Street Journal, 70 percent of Americans are living paycheck to paycheck. Ifølge The Wall Street Journal, 70 procent af amerikanerne lever paycheck til paycheck. And did you know that 34 percent of the people who will retire this year will do so with an income of less than $10,000 a year? Og vidste du, at 34 procent af de mennesker, der vil gå på pension i år vil gøre det med en indkomst på mindre end $ 10.000 om året? That’s scary! Det er skræmmende! Can you see why I don’t want to be normal? Kan du se, hvorfor jeg ikke ønsker at være normal?

Here’s another little fact on why you can’t “afford” to make payments on stuff, even if you can meet the monthly requirements. Her er et lille faktum om, hvorfor du ikke kan "råd" til at foretage betalinger på ting, selv om du kan opfylde de månedlige krav. The average car payment in America is $378 a month over 55 months. Den gennemsnitlige bil betaling i USA er $ 378 om måneden over 55 måneder. Do you know what would happen if you took that money and invested it in good growth stock mutual funds? Vil du vide, hvad der ville ske, hvis du fandt, at penge og investeret det i god vækst bestand gensidige fonde? That money, invested from age 25 to 65 would provide you with more than $4 million by the time you were ready to retire. At penge, der investeres fra alderen 25 til 65 vil give dig mere end $ 4 millioner i den tid, du var klar til at gå på pension.

So, if managing my money properly and retiring with some dignity — and wealthy to boot — is weird, then I want to be the weirdest guy around! Så hvis forvalte mine penge ordentligt og gå på pension med en vis værdighed - og velhavende at starte - er mærkelige, da jeg ønsker at være den weirdest fyr rundt!
— Dave - Dave

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