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买车还是租车?

时间:2021-03-12 05:14来源:互联网 提供网友:nan   字体: [ ]
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Anchor: Lots of Americans, you know, you are one of them, dream about owning a shiny new car. But before you spend your hard-earned cash on some hot wheels, you definitely want to hear what personal finance guru Dave Ramsey has to say. As you know, he is a syndicated radio talk show host and the author of the best selling book "The Total Money Makeover"

Hey, there, good to see you, Dave

Dave Ramsey: Good to see you.

Anchor: So, we never ever buy a new car?

Dave Ramsey: Well, I am like everybody else, I am a boy, I like new cars, but they go down in value like a rock. I mean, Kiplinger's Personal Finance Magazine says you lose 60% of the value in the first 4 years, the worst car accicdents happen on the show room floor.

Anchor: Oh, and the minute you drive it off the show room floor, of course the value plummets1 right away, right?

Dave Ramsey: All right. Sure it's the wheels break the curb2, you know, you really have to change, you know.

Anchor: Oh my god, so maybe not a wise use of your money. What about employee discount for the cars?

Dave Ramsey: Well,certainly it's pulled people back into that and 0% interest before that, but even then, you got to consider by the time you get it home, you've still lost money. So, a wise use of your dollars, unless you've got just piles of cash, is to really pay cash for a high-quality 1 or 2 or 3 year- old used car, let someone else take the butt-kicking on depreciation3.

Anchor: Oh, you have done it then break it down with a lease payment, it sounds / reasonable, what about leasing a car? Come on!

Dave Ramsey: We call it a fleecing. You know, Consumer Reports says it is the most expensive way to operate a vehicle, (OK.)because in fleecing, what you've done is to quit asking "how much", (ok), now, you just asking "how much down, how much a month" (mm, right)and when you start asking that, you are gonna live in endless payments the rest of your life , and again, like I always say, you tie up your most, your most powerful wealth building to ,which is your income, with no car payments , you can have some money.

Anchor: Alright, now, tell us about how to buy a used car then, you say that's a way we go, right? how, how used is used?

Dave Ramsey: Well, it depends on how much money you have. (Ok). And, you should pay cash. Again, grandmother's rule: If you can pay cash.I can't believe this guy's said I pay cash for a car. Look, just for a short period of time, drive like no one else, so later you can drive like no one else. The average Car Payment in America is 378 dollars over 84 months right now. Wow. If you took that and invest it from age 25 to age 65 in a mutual4 fund, you'll have 4.4 million dollars.(Holy pal5! All right.)Hope you like the car.(All right.) so, let's take that money, set them in a cookie jar, pay cash for a little used car, and then move up, and then do it again, and then move up and work your way out.

Anchor: Ok, And how do we, how do we move up? So we are saving money, ok so we are buying our niceresolvable car right, for cash, then we are putting away money each month for a nicer car? (Pay yourself a car payment.)

Dave Ramsey: Pay yourself a car payment, (all right) and then you've got 4000 dollars every 11 months or so.

Anchor: How do we know how much we can afford?

Dave Ramsey: You should never have vehicles, cars, boats, trucks, sedan and their sisters that add up to more than half your annual income. Cause then you got too much tied up and things are going down in value. It's the most expensive thing we buy, but it's all about prestige. I mean, we spent a minimum amount of money to impress somebody at the stoplight we'll never meet.

Anchor: I Know, it is a big ego6 buy, isn't it? It really is. (It really is.) All, right, what about people who are afraid of getting stuck with problems if you buy a used car, you know, it is a lemon.

Dave Ramsey: Well, that's an old car dealer's myth. I mean, really, if you buy a car from 50s to 60s, that might be true, but the cars that we build today, are fabulous7 cars. And they've got a lot of life in them, used to if you had one at 60000 miles , it is about to fall apart. Now it's got 260 thousand miles if it is about to fall apart, they got a lot life in them. And you can get services like car factory, you can check the history of the car, make sure you're getting a good car, have your mechanic check it, there are good cars out there.

Anchor: All right, let's take a look at your tips here, just by way of your views, so, you said, don't buy a new car, unless you are rich.

What, what's rich?

Dave Ramsey: Well, usually you need at least a million bucks,(ok)I mean the bottom line is can you lose 20,000 dollars and not miss it?

Anchor: Wow, I don't think anybody can say that. All right, you say, don't lease a car ever ever ever? Never. Nerver? It's never a good deal. Ok, buy a car that is 2 years old or more. Why is it 2 years?

Dave Ramsey: Again, becasue that is where the most of that appreciation8, most of that value lost in the first two years.

Anchor: Ok, pay cash.

Dave Ramsey: Absolustely, always. Because, then you have that control of your earned money. We get in the thing of all the money goes out and all the money comes in, all the money goes out, only the names that changed your protecting in this otherwise.

Anchor: Save up for that better car, all right, great advice as always, thanks a lot.

Dave Ramsey: Thanks. Don't forget we are gonna be on 60 Minutes Sunday night.

Anchor: I hey, man. I was just get ready to say that. Oh, dear, I am sorry , ( you're always doing my job)I am sorry, Don't forget you can see more of Dave Ramsey on 60 minutes this weekend, good to see you.

Dave Ramsey: Thank you.


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1 plummets 6ad2591440d0665e409f3090cf2e1ed2     
v.垂直落下,骤然跌落( plummet的第三人称单数 )
参考例句:
  • As a result, blood sugar plummets, sometimes even going below the baseline. 结果,血糖浓度迅速掉落,有时甚至落于基线之下。 来自互联网
  • State and local governments could continue to back as tax revenue plummets. 由于税收的直线下降,州和地方政府可能继续削减支出。 来自互联网
2 curb LmRyy     
n.场外证券市场,场外交易;vt.制止,抑制
参考例句:
  • I could not curb my anger.我按捺不住我的愤怒。
  • You must curb your daughter when you are in church.你在教堂时必须管住你的女儿。
3 depreciation YuTzql     
n.价值低落,贬值,蔑视,贬低
参考例句:
  • She can't bear the depreciation of the enemy.她受不了敌人的蹂躏。
  • They wrote off 500 for depreciation of machinery.他们注销了500镑作为机器折旧费。
4 mutual eFOxC     
adj.相互的,彼此的;共同的,共有的
参考例句:
  • We must pull together for mutual interest.我们必须为相互的利益而通力合作。
  • Mutual interests tied us together.相互的利害关系把我们联系在一起。
5 pal j4Fz4     
n.朋友,伙伴,同志;vi.结为友
参考例句:
  • He is a pal of mine.他是我的一个朋友。
  • Listen,pal,I don't want you talking to my sister any more.听着,小子,我不让你再和我妹妹说话了。
6 ego 7jtzw     
n.自我,自己,自尊
参考例句:
  • He is absolute ego in all thing.在所有的事情上他都绝对自我。
  • She has been on an ego trip since she sang on television.她上电视台唱过歌之后就一直自吹自擂。
7 fabulous ch6zI     
adj.极好的;极为巨大的;寓言中的,传说中的
参考例句:
  • We had a fabulous time at the party.我们在晚会上玩得很痛快。
  • This is a fabulous sum of money.这是一笔巨款。
8 appreciation Pv9zs     
n.评价;欣赏;感谢;领会,理解;价格上涨
参考例句:
  • I would like to express my appreciation and thanks to you all.我想对你们所有人表达我的感激和谢意。
  • I'll be sending them a donation in appreciation of their help.我将送给他们一笔捐款以感谢他们的帮助。
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