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  • - The idea that one-size-fits-all for money advice

    - 對金錢諮詢一刀切的想法

  • is just terrible.

    是可怕的。

  • We all have different personalities.

    我們都有不同的個性。

  • We know this intuitively, and we all have different values.

    我們憑直覺知道這一點,而且我們都有不同的價值觀。

  • Not everybody wants or needs to own a home.

    不是每個人都想或需要擁有一個家。

  • Not everybody wants or needs to have children.

    不是每個人都想或需要有孩子。

  • - Everyone has different attitudes

    - 每個人都有不同的態度

  • and hangups about money.

    和對金錢的掛念。

  • So how do we get to know our money personalities?

    那麼,我們如何瞭解自己的金錢個性呢?

  • - To me, you gotta dive into your psychology.

    - 對我來說,你得潛心研究你的心理學。

  • You have to understand why you think the way you think

    你必須瞭解為什麼你會有這樣的想法

  • around money, and how that's manifesting in your life,

    圍繞金錢,以及如何在你的生活中表現出來。

  • in order to change it.

    以此來改變它。

  • - We are diverse in so many ways.

    - 我們在許多方面都是多樣化的。

  • So therefore, when we think about financial advice,

    是以,當我們考慮財務諮詢時。

  • it should also be unique for the person,

    它也應該是個人獨特的。

  • for their background, for who they are.

    因為他們的背景,因為他們是誰。

  • - Everything else in our lives

    - 我們生活中的其他一切

  • is customized to our preferences.

    是根據我們的喜好定製的。

  • Why shouldn't our financial advice be?

    為什麼我們的財務建議不應該是這樣?

  • This is "Your Brain On Money."

    這就是 "你的金錢之腦"。

  • Meet neuroscientists Dr. Joseph Kable

    認識神經科學家約瑟夫-凱博博士

  • and Dr. Moran Cerf.

    和莫蘭-瑟夫博士。

  • They're here to explain how much of our personalities

    他們在這裡解釋我們的個性有多少

  • are actually built into the structures of our brains.

    實際上是建立在我們的大腦結構中。

  • - We can see structural differences in the brain,

    - 我們可以看到大腦中的結構差異。

  • specifically in the areas of the valuation circuitry

    特別是在估值電路領域。

  • of the brain, the areas of the brain

    大腦中的區域

  • that are important for decision-making,

    這對決策很重要。

  • as well as functional differences

    以及功能差異

  • in terms of how those areas of the brain are connected.

    在大腦的這些區域是如何連接的方面。

  • If you go in and get an MRI,

    如果你去做了核磁共振檢查。

  • that MRI of your brain, you know, contains some

    你的大腦的核磁共振成像,你知道,包含一些

  • information about whether you are more likely

    關於你是否更有可能

  • or less likely to be a risk-taker.

    或更不可能成為一個風險承擔者。

  • - How much of our personality are we born with,

    - 我們的個性有多少是天生的。

  • and how much develops over time?

    以及隨著時間的推移有多少發展?

  • - The kind of, really a little hand-wavey answer

    - 那種,真的有點手忙腳亂的回答

  • that scientists landed on,

    科學家登陸的。

  • is that about 50% of our personality is DNA.

    是,我們的個性中大約50%是DNA。

  • You're born, and we can look at your DNA as a baby

    你出生後,我們可以查看你的DNA,作為一個嬰兒

  • and predict that you're gonna be an extrovert,

    並預測你會成為一個外向的人。

  • or predict that you're gonna be neurotic.

    或預測你將會是神經質的。

  • And then of the other 50%, about half, so 25% of the whole,

    然後在其他50%中,大約有一半,所以是整體的25%。

  • is determined by your parents

    是由你的父母決定的

  • and your childhood experiences,

    和你的童年經歷。

  • and the other 25% by your peers.

    而另外25%由你的同齡人決定。

  • - This is Dr. Klontz.

    - 我是克隆茲博士。

  • He's here to explain how our personalities manifest

    他在這裡解釋我們的個性是如何表現出來的

  • in the way we deal with money.

    在我們處理金錢的方式。

  • - After studying tens of thousands of people,

    - 在研究了數以萬計的人之後。

  • we've identified four patterns of beliefs around money

    我們已經確定了圍繞金錢的四種信念模式

  • that people manifest:

    人們表現出來的。

  • The first is money avoidance.

    首先是避開金錢。

  • This is where we have a

    這時,我們有一個

  • negative association with money.

    與金錢的負面聯繫。

  • Now, no surprise,

    現在,毫不奇怪。

  • if you have a negative association with money

    如果你對金錢有負面的聯想

  • that is strongly held, it is gonna have a negative impact

    堅定地認為,這將會產生負面的影響

  • on your financial outcomes.

    對你的財務結果。

  • The second is what we call money worship.

    第二種是我們所說的拜金主義。

  • This is the opposite

    這是一個相反的情況--

  • this is where you're putting money on a pedestal.

    這就是你把錢放在一個基座上的地方。

  • "More money's gonna make me happier,

    "更多的錢會讓我更快樂。

  • it's gonna solve all my problems."

    它將解決我所有的問題。"

  • The third is what we call money status.

    第三種是我們所說的金錢地位。

  • This is the 'Keeping up with the Joneses effect,'

    這就是 "跟上瓊斯效應"。

  • where we equate our self-worth with our net worth.

    在這裡,我們將自我價值等同於我們的淨資產。

  • The fourth is what we call money vigilance.

    第四種是我們所說的金錢警覺性。

  • This is the money personality of the wealthy

    這就是富人的金錢個性

  • and the self-made wealthy and the ultra-wealthy.

    和自作聰明的富人和超級富豪。

  • Interestingly, there is a downplaying

    有趣的是,有一種淡化的現象

  • of how much money they have.

    他們有多少錢。

  • For all of these money personalities,

    對於所有這些金錢的個性。

  • there are elements of truth in all of them,

    所有這些都有真理的成分。

  • and there's elements of dysfunction.

    而且有功能障礙的因素。

  • - This is Dr. James, a financial therapist,

    - 這位是詹姆斯博士,一位金融治療師。

  • and he's seen how these money archetypes

    他看到了這些錢的原型是怎樣的

  • can impact our behavior.

    可以影響我們的行為。

  • - There's some people who, maybe they're impulsive

    - 有一些人,也許他們是衝動的---。

  • they're someone who wants to do something,

    他們是想做什麼的人。

  • and that impulsivity can have good options and good times,

    以及衝動可以有好的選擇和好的時機。

  • but maybe that also makes them buy things or try things

    但也許這也使他們購買東西或嘗試東西

  • or start a new business

    或開始新的業務

  • without maybe fully looking into everything.

    也許沒有完全看清一切。

  • - If you're really money vigilant,

    - 如果你真的對金錢有警惕性。

  • you're afraid to do that and spend money.

    你害怕這樣做,害怕花錢。

  • It's important to be vigilant, honoring that part in you,

    重要的是要保持警惕,尊重你身上的那部分。

  • saving and investing, but, what's the point of all that

    儲蓄和投資,但是,這一切有什麼意義呢?

  • if you're still living a life of deprivation?

    如果你還在過著匱乏的生活?

  • You don't deserve that. Nobody deserves that.

    你不值得這樣。沒有人值得這樣。

  • Trying to find balance around all of these beliefs

    試圖圍繞所有這些信念找到平衡點

  • is very, very important for not just our mental health,

    是非常非常重要的,不僅僅是對我們的心理健康。

  • but for our financial health.

    但為了我們的財務健康。

  • - Or maybe someone who's a little bit more risk-tolerant.

    - 或者,也許是一個更能容忍風險的人。

  • They don't like to take on risk,

    他們不喜歡承擔風險。

  • so maybe they're more of a saver,

    是以,也許他們更像是一個儲蓄者。

  • or maybe they're someone who is not gonna invest

    或者他們是不打算投資的人

  • in the thing right away, they wanna see it proven.

    他們想看到它被證明。

  • So, I think there are ways that those things

    所以,我認為有一些方法可以讓這些東西

  • become part of our internal narrative

    成為我們內部敘述的一部分

  • of how we think about money,

    我們如何看待金錢的問題。

  • how we think about chance or risk or opportunities.

    我們如何思考機會或風險或機遇。

  • And if we are aware of that,

    而如果我們意識到了這一點。

  • we can make better decisions for ourselves.

    我們可以為自己做出更好的決定。

  • - As a financial therapist,

    - 作為一名金融治療師。

  • Lindsay helps her clients understand themselves

    Lindsay幫助她的客戶瞭解自己

  • so they can understand their relationship with money.

    以便他們能夠了解自己與金錢的關係。

  • - Personal finance is named such for a reason.

    - 個人理財被冠以這樣的名字是有原因的。

  • Personal finance is personal,

    個人理財是個人的事。

  • but the financial literacy industry

    但金融知識產業

  • has really said,

    真的說過。

  • "Actually, you're not that special.

    "實際上,你並不那麼特別。

  • We all need to do this one thing."

    我們都需要做這一件事。"

  • And we just know that that does not work.

    而我們知道,這並不奏效。

  • - I think really good financial planners,

    - 我認為真正好的財務規劃師。

  • they actually give personality tests

    他們實際上是在進行性格測試

  • to really check to see who you are,

    要真正檢查,看看你是誰。

  • to see where you are on how you handle risk.

    以瞭解你在處理風險方面的情況。

  • And from there, they tailor their advice

    在此基礎上,他們對自己的建議進行調整

  • or the information they share with you.

    或他們與你分享的資訊。

  • The more you know yourselfknowing your personality

    你越瞭解自己--瞭解自己的個性

  • and even knowing your money personality

    甚至瞭解你的金錢個性-

  • can shape your decisions.

    可以塑造你的決定。

  • So make that investment.

    所以要進行這種投資。

  • Learn, grow, reflect, and it could actually change

    學習、成長、反思,它實際上可以改變

  • whatever decision you wanna make financially in the future.

    無論你將來在財務上想做什麼決定。

  • - If I were to kind of go back and analyze myself,

    - 如果我回頭分析一下自己。

  • I would rather not think about money.

    我寧願不考慮錢的問題。

  • When I was struggling financially,

    當我在經濟上掙扎的時候。

  • I was forced, rather, to face the music

    相反,我是被迫面對音樂的。

  • and deal with my financial situation.

    並處理好我的財務狀況。

  • I'm a huge fan of automating.

    我是一個自動化的超級粉絲。

  • I am automating paying my bills,

    我正在自動支付我的賬單。

  • I am automating saving money

    我正在自動化省錢

  • in my different savings accounts,

    在我不同的儲蓄賬戶中。

  • and I am automating putting money

    而我正在自動把錢

  • into an investment account for my retirement,

    進入一個投資賬戶,用於我的退休生活。

  • because if it was up to me to manually move money

    因為如果是由我來手動移動資金的話

  • every now and then, there's just no way I would do it,

    每隔一段時間,我就會去做,只是沒有辦法。

  • or I would do it far less frequently than I should.

    否則我就不會那麼頻繁地這樣做。

  • This is the other thing,

    這是另一件事。

  • we all think we need to learn more about money

    我們都認為我們需要學習更多關於金錢的知識 --

  • and we might

    而我們可能-

  • but most of us kind of know what to do.

    但我們大多數人都知道該怎麼做。

  • So what are the tasks that you're putting off,

    那麼,哪些是你正在拖延的任務。

  • and what are the feelings that are getting in the way

    有什麼感情在阻礙著你?

  • of doing that task?

    做這項工作的?

  • Start there.

    從那裡開始。

- The idea that one-size-fits-all for money advice

- 對金錢諮詢一刀切的想法

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