戴夫拉姆齊的漸進轉變：承認比特幣的重要性，但保持投資懷疑態度

儘管戴夫·拉姆齊之前曾提出批評，但他對比特幣表達了更為微妙的看法。他承認它是一種貨幣，但強調其波動性和缺乏內在價值。拉姆齊建議不要投資比特幣，理由是比特幣缺乏現金流，而是推薦房地產和股票等傳統投資。

Dave Ramsey's Evolving Views on Bitcoin: A Measured Assessment

戴夫拉姆齊 (Dave Ramsey) 對比特幣不斷變化的看法：經過衡量的評估

In the tumultuous realm of finance, where opinions sway and markets fluctuate, the topic of Bitcoin has long been a polarizing force. For nearly two decades, this enigmatic cryptocurrency has ignited fierce debates among investors and financial pundits, leaving many to wonder about its legitimacy and investment prospects.

在動盪的金融領域，意見搖擺不定，市場波動，比特幣的話題長期以來一直是一股兩極分化的力量。近二十年來，這種神秘的加密貨幣引發了投資者和金融專家之間的激烈爭論，讓許多人對其合法性和投資前景感到懷疑。

One prominent figure who has consistently voiced his skepticism towards Bitcoin is Dave Ramsey, a renowned personal finance expert and author. Known for his staunch advocacy of traditional investment strategies, Ramsey has repeatedly dismissed cryptocurrencies as "risky" and "stupid investments," urging his audience to steer clear of this volatile asset class.

一直對比特幣表示懷疑的一位著名人物是戴夫·拉姆齊 (Dave Ramsey)，他是一位著名的個人理財專家和作家。拉姆齊以堅定倡導傳統投資策略而聞名，他多次將加密貨幣斥為“高風險”和“愚蠢的投資”，並敦促他的聽眾避開這種不穩定的資產類別。

However, in a recent episode of The Ramsey Show, Ramsey's stance on Bitcoin appeared to undergo a subtle shift, leaving viewers and financial enthusiasts alike both surprised and curious. In response to a caller named Jason from Connecticut, who inquired about Ramsey's thoughts on Bitcoin's recent surge in value, Ramsey adopted a more measured tone, acknowledging the asset's growing prominence.

然而，在最近一期的拉姆齊秀中，拉姆齊對比特幣的立場似乎發生了微妙的轉變，讓觀眾和金融愛好者既驚訝又好奇。來自康乃狄克州的傑森 (Jason) 打電話詢問拉姆齊對比特幣近期價值飆升的看法，在回應時，拉姆齊採取了更加謹慎的語氣，承認該資產的重要性日益凸顯。

"An asset with a trillion-dollar market cap is not a beanie baby," Ramsey conceded, implicitly recognizing the substantial market presence that Bitcoin has established over the years. This acknowledgment marks a departure from his previous dismissive attitude towards cryptocurrencies, which he has often likened to "gambling" or "investing in tulips."

拉姆齊承認：“市值數萬億美元的資產並不是無簷小便帽嬰兒”，這含蓄地承認了比特幣多年來已經建立的巨大市場影響力。這項承認標誌著他與先前對加密貨幣的不屑一顧的態度有所不同，他經常將加密貨幣比作「賭博」或「投資鬱金香」。

Delving deeper into his reasoning, Ramsey elaborated on his view of Bitcoin's nature, describing it as "a currency." While this characterization aligns with the terminology commonly used within the cryptocurrency community, Ramsey emphasized that currencies, by their very nature, lack inherent value.

拉姆齊深入探討了他的推理，詳細闡述了他對比特幣本質的看法，並將其描述為「一種貨幣」。雖然這種描述與加密貨幣社群中常用的術語一致，但拉姆齊強調，貨幣本質上缺乏內在價值。

"Currencies have no value except for their track record," Ramsey explained, suggesting that the value of Bitcoin, like that of traditional fiat currencies, is ultimately derived from the trust and acceptance it commands among its users.

拉姆齊解釋說：「除了其記錄之外，貨幣沒有任何價值。」他表示，比特幣的價值與傳統法定貨幣一樣，最終源自於其用戶的信任和接受。

Ramsey then drew comparisons between Bitcoin and established global currencies such as the yuan and the Japanese yen, highlighting their long-standing histories and the economic power of the countries that issue them. In contrast, he noted, Bitcoin's track record is relatively short, and its acceptance as a currency remains limited.

隨後，拉姆齊將比特幣與人民幣和日元等成熟的全球貨幣進行了比較，強調了它們悠久的歷史以及發行它們的國家的經濟實力。他指出，相較之下，比特幣的歷史記錄相對較短，其作為貨幣的接受度仍然有限​​。

"Of all the currencies, Bitcoin has the least faith," Ramsey remarked with a chuckle. "Someday, it may level out and become a thing, but Jason, it's not there yet."

「在所有貨幣中，比特幣是最沒有信仰的，」拉姆齊笑著說。 “有一天，它可能會趨於平穩並成為一種東西，但傑森，它還沒有到那裡。”

Despite his acknowledgment of Bitcoin's growing market cap, Ramsey maintained his skepticism regarding its suitability as an investment. He argued that Bitcoin, like other cryptocurrencies, does not generate cash flow, a characteristic that he considers essential for a sound investment.

儘管拉姆齊承認比特幣的市值不斷增長，但他仍然對其作為投資的適宜性持懷疑態度。他認為，與其他加密貨幣一樣，比特幣不會產生現金流，而他認為這項特徵對於穩健投資至關重要。

"I wouldn't wish Bitcoin investments on somebody I really dislike," Ramsey stated, suggesting that his stance on the asset has not fundamentally changed.

拉姆齊表示：「我不希望比特幣投資於我真正不喜歡的人。」這表明他對該資產的立場沒有根本改變。

Ramsey's evolving views on Bitcoin echo those of other renowned investors, such as Warren Buffett and his late business partner, Charlie Munger. Buffett, the legendary chairman of Berkshire Hathaway, has repeatedly dismissed Bitcoin as a "gambling token" lacking intrinsic value.

拉姆齊對比特幣不斷變化的看法與其他著名投資者的觀點相呼應，例如華倫·巴菲特和他已故的商業夥伴查理·芒格。波克夏海瑟威的傳奇董事長巴菲特多次將比特幣視為缺乏內在價值的「賭博代幣」。

In light of Ramsey's cautious stance on Bitcoin, investors may find more appealing opportunities within asset classes that generate tangible income. Traditional investments such as real estate and stocks have long been favored by value investors like Buffett and Ramsey, who prioritize cash flow and long-term stability over the volatility associated with cryptocurrencies.

鑑於拉姆齊對比特幣的謹慎立場，投資者可能會在產生有形收入的資產類別中找到更有吸引力的機會。房地產和股票等傳統投資長期以來一直受到巴菲特和拉姆齊等價值投資者的青睞，他們優先考慮現金流和長期穩定性，而不是與加密貨幣相關的波動性。

One potential investment that may appeal to both traditional value investors and cryptocurrency advocates is chip maker Nvidia (NVDA). During the previous cryptocurrency bull run, Nvidia experienced a surge in earnings due to the high demand for its GPU units, which were ideal for cryptocurrency mining.

晶片製造商英偉達（NVDA）可能會吸引傳統價值投資者和加密貨幣倡導者的潛在投資。在上一次加密貨幣牛市期間，由於對其 GPU 單元的高需求（非常適合加密貨幣挖礦），英偉達的收益大幅增長。

With Bitcoin rallying once again, Nvidia could potentially see a similar boost in demand. However, this time, the catalyst for growth is amplified by the ongoing battle in the field of artificial intelligence (AI). Tech giants are investing heavily in Nvidia's H100 chips, which are essential for training and deploying large language models, a key technology driving AI advancements.

隨著比特幣再次上漲，英偉達可能會看到類似的需求成長。然而，這一次，人工智慧（AI）領域持續的戰鬥放大了成長的催化劑。科技巨頭正在大力投資 Nvidia 的 H100 晶片，這對於訓練和部署大型語言模型至關重要，而大型語言模型是推動人工智慧進步的關鍵技術。

In its most recent fiscal year, Nvidia generated a substantial $29.7 billion in net income, demonstrating its profitability and attracting the attention of traditional investors who may be skeptical of the cryptocurrency market.

在最近一個財年，英偉達實現了 297 億美元的淨利潤，展示了其盈利能力，並吸引了可能對加密貨幣市場持懷疑態度的傳統投資者的注意。

It is important to note that the information presented here is for informational purposes only and should not be construed as financial advice. Investors are strongly advised to conduct thorough research and consult with qualified financial professionals before making any investment decisions.

值得注意的是，此處提供的資訊僅供參考，不應被視為財務建議。強烈建議投資者在做出任何投資決定之前進行徹底的研究並諮詢合格的金融專業人士。