ruinieren
to ruin
To destroy or severely damage something materially or financially.
Der Wasserschaden hat die gesamte Ernte ruiniert.
The water damage ruined the entire harvest.

to ruin
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to ruin
To destroy or severely damage something materially or financially.
Der Wasserschaden hat die gesamte Ernte ruiniert.
The water damage ruined the entire harvest.

Verbs ending in '-ieren' often come from foreign languages, like 'ruinieren' (to ruin) from French. These verbs are always regular and inseparable, which makes their conjugation easier.
Er ruinierte sein Hemd mit dem Rotwein.
He ruined his shirt with the red wine.
'Ruinieren' (to ruin) is a transitive verb and almost always needs an accusative object. You always ruin someone or something.
Die schlechte Kritik hat den Film ruiniert.
The bad review ruined the film.
When a person harms themselves, the verb is used reflexively: 'sich ruinieren' (to ruin oneself). It is often supplemented with the preposition 'mit' (with) and the dative to show what caused the damage.
Sie hat sich mit den Krediten für das Haus finanziell ruiniert.
She financially ruined herself with the loans for the house.
In a figurative sense, 'ruinieren' (to ruin) is often used with abstract nouns. Typical combinations are 'den Ruf ruinieren' (to ruin one's reputation), 'die Gesundheit ruinieren' (to ruin one's health), 'die Karriere ruinieren' (to ruin one's career), or 'eine Überraschung ruinieren' (to ruin a surprise).
Durch seine Lügen hat er seinen guten Ruf ruiniert.
Through his lies, he ruined his good reputation.
to destroy
'zerstören' and 'ruinieren' can both mean that something is badly damaged. 'zerstören' sounds more direct and fits well when something becomes broken or unusable, for example a house or a plan. 'ruinieren' is often used when something ends up in a very bad state because of damage, financial problems, or wrong behavior. It is especially common with reputation, career, health, plans, or finances. Learners may confuse the words because both can also be used figuratively. As a guide: 'zerstören' emphasizes breaking or destroying something, while 'ruinieren' emphasizes the bad state or loss afterward.

Zu wenig Schlaf ruiniert auf Dauer die Gesundheit.
Too little sleep ruins your health in the long run.
Ein falscher Klick kann wichtige Dateien auf dem Computer zerstören.
One wrong click can destroy important files on the computer.