The brain is taking in the information, it's making narratives from an early age.

大腦從很小的時候就開始接受資訊，進行敘述。

They are looking to the people around them to show them how to interact with money.

他們希望周圍的人告訴他們如何與金錢打交道。

But children don't directly interact with money, so parents don't need to worry until much later in their lives, right?

但孩子們並不直接與金錢打交道，所以父母在孩子長大後才需要擔心，不是嗎？

At the age of three, this is when we first start putting together the equation of money and value.

三歲時，我們第一次開始把金錢和價值等式聯繫起來。

What are the parts of my money story that I think are valuable to pass on to my kids?

在我的理財故事中，有哪些部分是我認為值得傳授給孩子的？

What were the messages that were sent by your mother, your father, your grandparents, your aunts, your uncles, you know, significant caregivers?

你的母親、父親、祖父母、姨媽、舅舅，你知道的，重要的照顧者傳遞了哪些資訊？

And how do you think it affects your financial communication today?

您認為這對您今天的財務交流有何影響？

The biggest thing that parents can do to help their children make better financial decisions in the future is talking to them about their personal financial decisions now in the present.

要幫助子女在未來做出更好的財務決策，父母能做的最大事情就是在當下與子女談論他們的個人財務決策。

How can we make sure our children learn healthy attitudes around money?

我們怎樣才能讓孩子學會對待金錢的健康態度？

And how can we confront and correct the deficits in our own upbringing?

我們又該如何正視並糾正自己成長過程中的不足呢？

This is Your Brain on Money.

這就是你的 "金錢大腦"。

So, Dr. Cable, when we're growing up, how does our brain take in money behaviors?

那麼，凱布爾博士，在我們成長的過程中，我們的大腦是如何接受金錢行為的呢？

We're born at a stage where the brain isn't fully developed yet.

我們出生時，大腦尚未完全發育成熟。

And a lot of the final development of the brain happens outside in the world, you know, compared to other species.

與其他物種相比，大腦的大部分最終發育都是在外面的世界完成的。

And so the brain is taking in information and is putting it into categories, is making associations, is making narratives from an early age.

是以，大腦從很小的時候就開始接收資訊，並將其歸類、聯想和敘述。

And we start to develop these thoughts that are called money scripts.

我們開始產生這些被稱為 "金錢腳本 "的想法。

And so just like an actor is given a script and told in a scene how to act, when certain things happen around money, our brain gives us a certain thought, and then we know the script and how we're going to act.

是以，就像演員拿到劇本並被告知在一場戲中如何表演一樣，當某些事情發生在金錢周圍時，我們的大腦會給我們某種想法，然後我們就知道了劇本和我們要如何表演。

Our early experiences in our family system and directly around money have a profound impact on our beliefs around money, and our beliefs around money predict our financial outcomes.

我們早年在家庭系統中的經歷以及直接與金錢有關的經歷對我們的金錢觀念產生了深遠的影響，而我們的金錢觀念又預示著我們的財務結果。

If you grew up poor, money is something that's scary.

如果你從小家境貧寒，那麼錢就是一件可怕的東西。

Not having money is scary.

沒有錢是可怕的。

The problem is that as you grow older, maybe you do have money, but you still have that fear.

問題是，隨著年齡的增長，也許你有錢了，但你仍然有這種恐懼。

You still have that anxiety because you can't shake that belief that there'll never be enough money.

你仍然有焦慮，因為你無法擺脫 "錢永遠不夠花 "的信念。

On the other side, folks who might be really affluent and privileged, they might think money can solve every problem, but not build up mental toughness or withstand things that sometimes money can't solve.

另一方面，那些真正富裕和享有特權的人，他們可能會認為金錢可以解決一切問題，但卻沒有建立起心理韌性或承受力，而這些有時是金錢無法解決的。

And so children are being constantly exposed to the attitudes, the mindsets, and the behaviors of their parents and other loved ones around them and their relationship around money.

是以，孩子們經常會接觸到父母和其他親人的態度、心態和行為，以及他們與金錢的關係。

If all of this is happening at an early age, what are the real-world effects later in adulthood?

如果所有這些都發生在幼年時期，那麼成年後會產生怎樣的現實影響？

Kathleen and Brad were kind enough to share their own stories growing up.

凱思琳和布拉德非常友好地分享了自己的成長故事。

My mother gave me some money to go buy milk.

媽媽給了我一些錢，讓我去買牛奶。

It was the good old days when you could go buy milk when you were a kid, unsupervised.

那是過去的美好時光，小時候可以在無人看管的情況下去買牛奶。

And so I ran off with my friend.

就這樣，我和我的朋友跑了。

We got the milk.

我們買了牛奶

And I can remember there was a nickel change.

我還記得有一次換了五分錢。

And when I got home, I gave my mother the milk, but I did not give her the nickel.

回家後，我把牛奶給了媽媽，但沒有給她五分錢。

And of course I got in trouble.

當然，我也惹上了麻煩。

What I walked away with was my love of money is shameful, that there's something wrong with my desire to hang onto this nickel that is not okay.

我得到的啟發是，我對金錢的熱愛是可恥的，我對這些鎳幣的渴望是有問題的，是不對的。

And so as an adult, what is interesting is I've always been good at managing the money, making money, but my love of money, my desire as an entrepreneur to be profitable, actually I had to work through some of that shame and that discomfort, I think, because I was sent the message that it's not okay, Kathleen, that you loved money so much that you want to keep it.

成年後，有趣的是，我一直善於理財和賺錢，但我對金錢的熱愛，我作為一個企業家對盈利的渴望，實際上我必須克服一些羞恥和不適，我想，因為我得到的資訊是，凱瑟琳，你愛錢愛到想要留住它，這是不對的。

So I think I associated not having money with pain and anxiety and family strife.

所以，我覺得我把沒錢與痛苦、焦慮和家庭紛爭聯繫在了一起。

My mom likes to say we were middle-class except lower.

我媽媽喜歡說我們是中產階級，除了低層。

And I'm like, yeah, mom, they got words for that.

我就想，是啊，媽媽，他們有專門的詞來形容這個。

In my understanding of my own financial psychology, I went home and I interviewed my mother.

在瞭解了自己的理財心理後，我回家採訪了母親。

I didn't understand why she was so afraid to invest.

我不明白她為什麼如此害怕投資。

And then she told me this story about my grandfather, which all of a sudden made my crazy relationship with money make perfect sense.

然後她給我講了我爺爺的故事，這讓我突然明白了我和錢之間的瘋狂關係。

My grandfather went to the bank one day and his money was gone.

有一天，我爺爺去銀行取錢，發現錢不見了。

It was the Great Depression.

那是大蕭條時期。

The banks closed.

銀行關門了。

He never put a dollar in the bank the rest of his life.

他一輩子都沒往銀行裡存過一美元。

He died in his nineties, keeping his money in a lockbox.

他九十多歲時去世，把錢放在一個保險箱裡。

So understanding that family pattern, it really gave me compassion for my grandfather and my mother, because of course my mom's anxious about money.

是以，瞭解了這種家庭模式後，我真的對我的祖父和母親產生了同情，因為我的母親當然會為錢而焦慮。

She's too anxious to invest.

她太急於投資了。

She was raised by a guy who wouldn't even put money in the bank.

她是由一個連錢都不願意存進銀行的人撫養長大的。

So we have these conclusions we walk away with around money.

是以，我們得出的這些結論都是圍繞著錢而得出的。

Rich people are greedy, or money corrupts, or you can never have enough money, or there's virtue in having less money.

有錢人貪婪，或者金錢使人墮落，或者錢永遠不夠用，或者錢少也有美德。

These are all beliefs that we've studied that get inherited and emerge from our experiences around money.

這些都是我們研究過的信念，它們從我們與金錢有關的經歷中繼承和產生。

So what can we do to help our children learn better money habits and perhaps even reconcile what was passed down to us?

那麼，我們能做些什麼來幫助我們的孩子學會更好的理財習慣，或許還能調和傳給我們的東西呢？

The first is the earlier you start, the better off.

首先是越早開始越好。

So start early and talk about money often.

是以，要儘早開始並經常談錢。

Let your child digest what it is that you're talking about about money.

讓您的孩子消化您所說的關於錢的內容。

Be sure that you don't push all the details of your financial experience on them.

確保不要把自己財務經驗的所有細節都強加給他們。

And so the collection of all these money messages that we receive as we are growing up is called your money story.

是以，我們在成長過程中接收到的所有這些金錢資訊的集合，就叫做 "你的金錢故事"。

Pick those lessons that you want to pass down to the next generation, like passing on a legacy.

選擇那些你想傳給下一代的課程，就像傳承遺產一樣。

In modern society, it's gotten tougher.

在現代社會，這變得更加艱難。

It's become digits on a screen.

它變成了螢幕上的數字。

And the more abstract it gets, the more vulnerable we are to making mistakes around it.

它越抽象，我們就越容易犯錯誤。

So make it visual, make it concrete.

是以，要使其形象化、具體化。

So for a five-year-old, it might be, this is a quarter, this is a dime, this is a dollar.

是以，對於一個五歲的孩子來說，這可能是 25 美分，這是 1 美分，這是 1 美元。

And then showing them how to make change.

然後向他們展示如何做出改變。

And as someone progresses, then you start to increase those lessons in terms of somebody gets their first job, how do you negotiate a salary?

隨著一個人的進步，你開始增加這些課程，比如有人得到了第一份工作，你該如何談薪水？

How do you read a paycheck?

如何閱讀工資單？

So it's these educational moments that happen over time.

是以，這些教育時刻會隨著時間的推移而發生。

You might be able to say like, sometimes this is a really tough time and we're gonna talk about it.

你也許可以說，有時這段時間真的很難熬，我們要好好談談。

Maybe we're gonna journal about it.

也許我們可以寫日記來討論這個問題

Maybe we're gonna take a walk.

也許我們該出去走走

We're gonna do other things to help us feel better.

我們要做其他事情來讓自己感覺好一些。

And that gives your child or children multiple resources of how they can deal with themselves, their emotions, and their money.

這將為您的孩子提供多種資源，讓他們知道如何處理自己、情緒和金錢。

If you think that you are very financially well-off and so your children are fine, they don't need to hear or you don't need to talk about money, take a step back and think about your parents and your parents' parents and your parents' parents' parents so that you can be clear that you're only benefiting your child by having these money conversations and experiences with them.

如果你認為自己經濟條件很好，所以你的孩子很好，他們不需要聽或者你不需要談錢，那麼請退一步想想你的父母、你父母的父母以及你父母的父母的父母，這樣你就能清楚地認識到，與孩子進行這些金錢方面的對話和經歷只會讓他們受益。

And the more you do it, the more you'll see these opportunities arise.

你做得越多，就會發現這些機會出現得越多。

And I think those natural financial conversations and those teachable moments are great ways to be able to express your family values, to teach your kids about money, and to do so in a way that is a little bit more palatable.

我認為，這些自然而然的財務對話和寓教於樂的時刻，是表達家庭價值觀、向孩子傳授金錢知識的好方法，而且這種方法更容易讓孩子接受。