A 61-year-old Arkansas woman called into the "The Ramsey Show" hoping for clarity on investing in her 401(k) while still paying off debt. But what started as a simple inquiry quickly turned into a reality check, tractor and all. The caller introduced herself as Teresa, a self-described "country girl" with no nest egg. "I have no retirement money saved up whatsoever," she told personal finance expert Dave Ramsey, although she had started following his Baby Steps plan and scraped together a $1,000 emergency ...

文章核心观点 - 个人理财专家Dave Ramsey坚决反对为获取CRNA认证而承担20万美元学生贷款的计划[1][3] - 反对理由基于高额债务风险、学业完成不确定性以及新婚家庭可能面临的意外生活事件[4][5] 财务决策分析 - 贷款金额高达20万美元而新婚夫妇计划在婚后一个月内承担此债务[2][3] - 潜在收入提升显著从业者当前7万美元年薪提升至接近20万美元[3] - 专家指出历史上存在因特殊需求子女照顾等生活变故导致无法工作偿还债务的案例[4] 职业规划与风险 - 专家强调并非所有开始CRNA课程的学生都能毕业成功率并非百分之百[4] - 建议推迟入学计划直至家庭财务状况更加稳固并探索其他支付教育费用的方式[5] - 建议确认职业选择与新生子女照顾需求之间的优先级避免未来冲突[5] 专家个人经历佐证 - 专家分享自身二十多岁时因银行并购被要求提前偿还房地产贷款导致两年半内失去全部资产的经历[5] - 该经历被用来强调即使按时还款外部金融环境变化也可能引发债务危机[5]