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  • you know how your partner likes their coffee?

    你知道你的伴侶喜歡喝什麼咖啡嗎?

  • What love language they speak and even their medical history.

    他們說的是什麼愛情語言,甚至是他們的病史。

  • But how much do you know about their finances?

    但你對他們的財務狀況瞭解多少呢?

  • Yes, chances are you and your better half are among the 78% of people who would rather share their full dating history and all of that drama and all of that baggage that comes along with it rather than to disclose your full financial history.

    是的,你和你的另一半有可能是78%的人中的一員,他們寧願分享他們的全部約會史和所有的戲劇性和所有的包袱,而不是披露你的全部財務歷史。

  • And yet research shows that your significant other has a large influence on a whole host of your behaviors.

    然而研究表明,你的另一半對你的一系列行為都有很大的影響。

  • Understanding how they handle money is a great way to prevent strife and misunderstandings.

    瞭解他們如何處理金錢,是防止紛爭和誤解的好辦法。

  • In fact, financial disagreements ranked as the strongest predictor of divorce.

    事實上,經濟上的分歧被列為離婚的最強預測因素。

  • So my tip here is that if you want to strengthen your relationship, it's time to talk about the money.

    所以我在這裡的建議是,如果你想加強你們的關係,就應該談錢了。

  • You might be thinking my partner and I don't need to talk.

    你可能會覺得我和我的搭檔不需要說話。

  • My partner takes care of the money or vice versa.

    我的伴侶照顧錢或反之。

  • But a 2018 study of heterosexual couples show than in these situations the partner who takes on all of the responsibility, the one who manages all of the financial tasks they become more and more proficient and financial management over time.

    但2018年對異性夫妻的研究表明,比在這些情況下,承擔所有責任的伴侶,管理所有財務任務的人,他們會隨著時間的推移變得越來越熟練和財務管理。

  • But the other person, the person who has given up all of their financial responsibilities, their financial management capabilities, decline over time.

    但另一個人,已經放棄了所有的財務責任,他們的理財能力,隨著時間的推移而下降。

  • And what if something happens?

    如果發生什麼事呢?

  • Maybe you break up.

    也許你們分手了。

  • Maybe it doesn't work out.

    也許它不工作了。

  • Or, God forbid, maybe your spouse dies too early.

    或者,上帝保佑,也許你的配偶死得太早。

  • If the person who wasn't responsible for the money management ends up on their own, that person and oftentimes struggles to regain their financial skills, making it more and more difficult for them to navigate the world alone and 75% of the time, it's the woman who outlive the men.

    如果沒有負責理財的人最後還是要靠自己,那這個人和往往會努力恢復自己的理財技能,讓他們越來越難以獨自駕馭這個世界,75%的時候,都是女人比男人活得更久。

  • For the partner who hasn't taken on the money management role, it's like forgetting a foreign language.

    對於沒有承擔理財任務的夥伴來說,就像忘記了一門外語。

  • When you stop using it, you lose some of your ability to understand and communicate in it.

    當你停止使用它時,你就會失去一些對它的理解和交流能力。

  • But if you keep that financial immersion going, so does your fluency.

    但如果你一直保持這種財務上的沉浸感,你的流暢度也會提高。

  • Being open about your finances can be very scary, but it can also be very rewarding.

    公開自己的財務狀況可能是非常可怕的,但也可能是非常有益的。

  • Experiments have shown that shared vulnerability establishes a greater sense of trust, cooperation and intimacy and relationships.

    實驗表明,共同的脆弱性能建立起更強的信任感、合作感和親密感及關係。

  • So to get you started, I, along with a couple of colleagues, developed a list of 10 conversation starters here.

    是以,為了讓你開始,我和幾個同事一起,在這裡制定了10個對話開始的清單。

  • Just three number one.

    只有三個一號。

  • What are your long term financial goals?

    你的長期理財目標是什麼?

  • What do you want to accomplish together?

    你們想一起完成什麼?

  • Number two?

    二號?

  • How do you measure your financial success?

    你如何衡量你的財務成功?

  • Is it a house with a white picket fence, or is it having the ability to live anywhere around the globe?

    是房子有白色的柵欄,還是擁有在全球任何地方生活的能力?

  • Number three.

    第三個。

  • What's the one thing you wish your parents would have done differently financially, as a university study found, is important to answer these questions together because joint decision making making decisions as a couple oftentimes results in taking fewer risk.

    你希望你的父母在財務上做的一件事是什麼,大學研究發現,共同回答這些問題是很重要的,因為作為一對夫婦的共同決策通常會導致承擔更少的風險。

  • That in turn, can lead to higher savings.

    這反過來又可以帶來更多的節約。

  • Now, I'm sure you intuitively understand that open, honest conversations with your better half or beneficial, and I understand that it's difficult to get started, especially when talking about money.

    現在,我相信你直觀地瞭解到,與你的另一半進行開放,誠實的對話或有益,我明白這很難開始,特別是在談論錢的時候。

  • But a great first step is just to put some time on the calendar so that you, too, can have a nice financial chat.

    但是,很好的第一步,就是在日曆上安排一些時間,讓你也能好好地聊一聊財務。

  • Take out your phone right now, said the calendar.

    馬上拿出手機,日曆說。

you know how your partner likes their coffee?

你知道你的伴侶喜歡喝什麼咖啡嗎?

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B1 中級 中文 TED 財務 承擔 日曆 研究 狀況

每對夫婦都需要進行的金錢對話--你的金錢和你的心靈 (The money talk that every couple needs to have | Your Money and Your Mind)

  • 6 3
    林宜悉 發佈於 2021 年 02 月 04 日
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