talking about than money:

談論的是比金錢更重要的問題。

sex, war, trauma,

性、戰爭、創傷。

religion, politics—

宗教、政治-

it's literally anything.

這是字面上的任何東西。

- What makes money such a taboo topic?

- 是什麼讓金錢成為如此禁忌的話題？

- It's a combination of being judged by society,

- 這是一個被社會評判的組合。

not having a roadmap,

沒有一個路線圖。

and then, certainly, our primitive brains

然後，當然，我們原始的大腦

thinking that we need to protect ourselves

認為我們需要保護自己

and stay silent to survive.

並保持沉默以生存。

- Certain kinds of decisions that involve taboos

- 涉及禁忌的某些種類的決定

or sacred values—

或神聖的價值-

there's evidence that actually

有證據表明，實際上

a different part of the brain is coming online.

大腦的一個不同部分正在上線。

- There are a lot of conversations about

- 有很多關於

making money,

賺錢。

but very few, or limited conversations that are

但很少，或有限的對話是

intimate about how to manage it,

密切關注如何管理它。

or how to even think about a financial decision.

或甚至如何思考一個財務決定。

- It is quite literally something

- 從字面上看，它是一種

that touches every aspect of our lives,

這涉及到我們生活的各個方面。

and if we don't learn, not just how to manage it,

以及如果我們不學習，不僅僅是如何管理。

but also how we feel about it,

但也是我們的感受。

it can have these ripple effects

它可以產生這些連鎖反應

on our lives in the future.

對我們未來生活的影響。

- Money taboos can have serious financial impacts.

- 金錢方面的禁忌會產生嚴重的財務影響。

The good news—

好消息是

the part of our brain where taboos live is not in charge—

you are.

你是。

This is "Your Brain on Money."

這就是 "你的金錢大腦"。

This is Kathleen.

這就是凱瑟琳。

She knew at an early age

她在很小的時候就知道

that she had an interest in finance.

她對金融有興趣。

- When I was a little girl,

- 當我還是個小姑娘的時候。

probably five or six,

大概有五到六個。

my favorite toy was a cash register.

我最喜歡的玩具是一個收銀機。

And I just loved hitting the buttons

而我只是喜歡按動按鈕

and hearing the 'kachings!' and I loved coins.

並聽到'kachings！'，我喜歡硬幣。

- Now, as a wealth psychology expert,

- 現在，作為一個財富心理學專家。

she's seen the effect money taboos

她已經看到了金錢禁忌的影響

have had on her clients from every walk of life.

她對來自各行各業的客戶都有影響。

- So the money talk taboo is there, and it's strong.

- 是以，談錢的禁忌就在那裡，而且很強烈。

It has to do with the fact

這與以下事實有關

that we have grown up in a society

我們在一個社會中成長起來

that historically has not been

歷史上不曾有過的

open and honest about money.

在金錢方面開誠佈公。

It's because families don't know how to

這是因為家庭不知道如何

talk about money,

說到錢。

and don't have a roadmap for teaching us

並沒有一個教我們的路線圖

about saving, spending, investing—

關於儲蓄、支出、投資-

and that silence is kind of

而這種沉默是一種

passed down through generation.

代代相傳。

- So how does the brain perpetuate

- 那麼，大腦是如何延續

the taboo around money?

圍繞金錢的禁忌？

Our two neuroscientists, Dr. Joseph Kable

我們的兩位神經科學家，約瑟夫-凱博博士

and Dr. Moran Cerf, are going to show us

和莫蘭-瑟夫博士，將向我們展示

what's happening inside our head.

我們腦子裡正在發生什麼。

- Our ancestors, back in the days,

- 我們的祖先，在過去的日子裡。

when they lived in small groups

當他們生活在小群中時

everyone had the benefit of the tribe,

每個人都有部落的利益。

and it worked for them not to stand out.

而且對他們來說，不突出是有效的。

Our brain still has this kind of view:

我們的大腦仍然有這種觀點。

an ideal world is one where everyone

一個理想的世界是每個人都能

has the same, and we all share resources,

有相同的，我們都共享資源。

but money became a very easy tool

但金錢成為一個非常容易的工具

to quantify people's position in a system.

來量化人們在一個系統中的位置。

We result to not revealing that too much

我們的結果是不透露太多的資訊

because it might end up showing us

因為它最終可能向我們展示

that we're not as high on the totem pole

我們在圖騰柱上沒有那麼高的地位

as we thought we were.

正如我們所認為的那樣。

So we're torn in a situation

是以，我們在一種情況下被撕裂了

where our brain still thinks one way,

在這裡，我們的大腦仍然以一種方式思考。

but we accept the normal society that is different.

但我們接受正常的社會，這是不同的。

In that sense, we're in a constant battle.

從這個意義上說，我們正處於一場持續的戰鬥中。

- What's interesting about the way

- 有意思的是，這種方式

our brain resolves this conflict,

我們的大腦解決了這種衝突。

is that it thinks about taboos differently

是，它對禁忌的思考方式不同

for most other decisions.

對於大多數其他的決定。

- In the world of decision-making,

- 在決策的世界裡。

we're engaging this valuation circuitry;

我們正在參與這個估值電路。

we're weighing costs and benefits.

我們正在權衡成本和效益。

- But with taboos, it's different.

- 但對於禁忌，就不一樣了。

- Decisions that involve taboos,

- 涉及禁忌的決定。

we've been able to identify with neuroimaging,

我們已經能夠用神經影像學來識別。

a different part of the brain is coming online,

大腦的一個不同部分正在上線。

the so-called 'executive brain.'

所謂的 "執行大腦"。

That's the part of the brain that enacts rules.

那是大腦中制定規則的部分。

These decisions are, you know, cut and dry.

這些決定是，你知道的，乾脆利落。

Nothing to weigh in terms of costs and benefits.

在成本和效益方面沒有什麼可以權衡的。

- The good news is

- 好消息是

the executive part of our brain is flexible,

我們大腦的執行部分是靈活的。

so even our deepest taboos

是以，即使是我們最深的禁忌

can change very quickly.

可以非常迅速地改變。

- Mask-wearing was not a social norm,

- 戴面具不是一種社會規範。

and then 'bam!' in the course of a month,

然後在一個月的時間裡 "砰 "的一聲。

we all decided, you know, to reorient our behavior.

我們都決定，你知道，重新調整我們的行為。

- So if that part of the brain is flexible,

- 是以，如果大腦的這一部分是靈活的。

what makes money such a taboo still?

是什麼讓金錢仍然是一個禁忌？

- So many people, no matter

- 那麼多的人，不管是

what their socioeconomic status is,

他們的社會經濟地位是什麼。

have a sense that everybody else

有一種感覺，其他人都

is doing this thing called money better,

是把這個叫做錢的東西做得更好。

and that somehow they're messing it up.

並說他們不知何故把它搞得一團糟。

And if we're able to break that money silence

而如果我們能夠打破這種金錢的沉默

and talk and share, what we find is

談論和分享，我們發現的是

'Oh wait a second, nobody's perfect with money.'

'哦，等一下，沒有人在金錢方面是完美的。

So, when we become more

是以，當我們變得更加

compassionate with ourselves,

對自己有同情心。

and more understanding of our relationship with money,

並更加理解我們與金錢的關係。

that shame would go away,

這種恥辱感會消失。

and I really do believe

而且我真的相信

we would be a healthier society

我們將是一個更健康的社會

and healthier individuals.

和更健康的個人。

But, what I find is if you take small baby steps,

但是，我發現的是，如果你採取小的嬰兒步驟。

and build up that muscle,

並建立起這塊肌肉。

and pick really good people to engage

並挑選真正優秀的人参與

in money conversations to start,

在金錢的對話中開始。

it ultimately breaks through the taboo,

它最終突破了禁忌。

and you find out that talking about money—

而你發現，談論金錢---

people think I'm crazy— but I think it's fun.

人們認為我瘋了--但我認為這很有趣。

- So what concrete steps

- 那麼，有哪些具體步驟

can we take to break the money taboo?

我們可以採取什麼措施來打破金錢的禁忌？

Meet Steven and Lindsay.

認識史蒂芬和林賽。

Lindsay's from Michigan.

林賽來自密歇根州。

- So for those of you not from the Michigan area,

- 所以對於那些不是來自密歇根地區的人來說。

we always hold up our hand

我們總是舉起我們的手

and we say, "I'm from this part of Michigan."

而我們說，"我來自密歇根州的這個地方"。

So I'm from this part of Michigan.

所以我來自密歇根州的這個地方。

- And Steven is a big music fan.

- 而史蒂芬是一個大的音樂迷。

- I am really specific about the lyrical rappers,

- 我對抒情的說唱歌手真的很具體。

which is why Ghostface Killah is still in my top five.

這就是為什麼Ghostface Killah仍然在我的前五名中。

- And as financial therapists,

- 而作為金融治療師。

they're going to explain how to break down

他們將解釋如何分解

the money taboo.

錢的禁忌。

- Belonging has protected us from the dawn of time,

- 從古至今，歸屬感一直在保護我們。

and whether we like it or not,

而無論我們是否喜歡它。

we do that a lot with our money.

我們經常用我們的錢這樣做。

We want to fit in, we want to belong.

我們想融入其中，我們想有歸屬感。

It's maybe buying something that we can't afford,

這也許是買了我們買不起的東西。

or maybe taking a trip

或者是來一次旅行

because we want to be with our friends,

因為我們想和我們的朋友在一起。

whereas what actually can really connect you

而實際上真正能把你聯繫起來的是

more deeply to your community

更深入地瞭解你的社區

and to your friends,

並對你的朋友說。

is being really truthful with them,

是對他們真正的誠實。

and saying something like,

並說一些類似的話。

"You know what that trip sounds awesome,

"你知道那趟旅行聽起來很棒。

but I can't commit to a full week.

但我不能承諾一個完整的星期。

I'll meet up with you guys over the weekend."

我將在週末與你們會合。"

So being truthful and kind,

是以，要真實和善良。

and as transparent as you feel comfortable,

並在你感到舒適的情況下儘可能地透明。

actually the deeper those friendships

實際上，這些友誼越深

and relationships become.

和關係成為。

- The biggest advantage of

- 的最大優勢是

talking about money more freely

更自由地談論錢的問題

is reducing stress, anxiety,

是減少壓力、焦慮。

and the mystery around money.

和圍繞金錢的神祕感。

If you're someone who is uncomfortable about money,

如果你是一個對金錢感到不舒服的人。

one of the first things you can do

你可以做的第一件事

is investigate how you feel about money

是調查你對金錢的感覺

and financial decisions.

和財務決策。

And using that as a journal prompt,

並將此作為日記的提示。

or a way to explore with a friend or a family member

或與朋友或家人一起探索的方法

will help you see why you're avoidant

將幫助你看到你為什麼會迴避

about talking about money.

關於談錢的問題。

More likely than not,

更有可能的是。

you'll realize that someone has already

你會發現，有人已經

experienced getting their bank account closed.

有過被關閉銀行賬戶的經歷。

Or someone has already experienced

或者有人已經經歷了

how the process moves when buying a house.

買房時的流程是如何進行的。

Whether it is a family member, a friend,

無論是家庭成員，還是朋友。

your partner, or anyone else

你的伴侶，或其他任何人

that you're feeling comfortable bringing up

你覺得可以提出來的

the topic of money with,

錢的話題與。

just know that money is something that's changing

只知道錢是不斷變化的東西

every day in our lives.

在我們生活中的每一天。

It's not one thing or one-size-fits-all for anybody.

這不是一件事，也不是對任何人都一刀切。

- So if you're the type of person

- 是以，如果你是這樣的人

who feels like, that you have nobody

誰覺得，你沒有人

to talk to about money:

談談錢的問題。

here's the good news.

這裡有一個好消息。

I've seen some amazing groups form online,

我在網上看到一些驚人的團體形成。

and then actually take them offline.

然後實際將它們下線。

So I would encourage you,

所以我鼓勵你。

depending on where you like to hang out on the internet,

取決於你喜歡在互聯網上掛出的地方。

to follow different forums or groups

關注不同的論壇或團體

talking about different financial things,

談論不同的金融事物。

even how finances intersect with our mental health.

甚至財務與我們的心理健康如何交織在一起。

- But really, the essence of talking about money

- 但實際上，談論金錢的本質是

is talking about,

是在談論。

"What are your emotions around money?

"你對金錢的情感是什麼？

What's important to you?

什麼對你來說是重要的？

What are your dreams, what are your hopes?"

你的夢想是什麼，你的希望是什麼？"

I mean those are all great conversations to have,

我的意思是這些都是很好的對話。

and it all starts with engaging in a financial conversation.

而這一切都要從參與財務對話開始。

So, let's break money silence.

是以，讓我們打破金錢的沉默。