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 yourself— knowing 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。