Name: 你是哪種 "金錢性格"？| 你在金錢上的大腦 (Which “money personality” are you? | Your Brain on Money)
Uploaded: 2023-01-17T18:05:32.000Z
Duration: 6 min 11 s

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

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。

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。

- 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,

因為他們的背景，因為他們是誰。

為什麼我們的財務建議不應該是這樣？

認識神經科學家約瑟夫-凱博博士

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

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。

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

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。

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

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.

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%。

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

- 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

if you have a negative association with money

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

The second is what we call money worship.

第二種是我們所說的拜金主義。

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。

第三種是我們所說的金錢地位。

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

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

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

和自作聰明的富人和超級富豪。

there are elements of truth in all of them,

- 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

- 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,

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

without maybe fully looking into everything.

- 如果你真的對金錢有警惕性。

you're afraid to do that  and spend money.

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?

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。

- 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。

是以，也許他們更像是一個儲蓄者。

or maybe they're someone who is not gonna invest

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

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

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你是哪種 "金錢性格"？| 你在金錢上的大腦 (Which “money personality” are you? | Your Brain on Money)

deprivation

deserve

determine

impact