Mmm, sex, war, trauma, religion, politics.

嗯，性、戰爭、創傷、宗教、政治。

It's literally anything.

簡直無所不能。

It's a combination of being judged by society, not having a roadmap, and then certainly our primitive brains thinking that we need to protect ourselves and stay silent to survive.

這是被社會評判的綜合結果，沒有路線圖，當然還有我們原始的大腦認為我們需要保護自己，保持沉默才能生存。

Certain kinds of decisions that involve taboos or sacred values, there's evidence that actually a different part of the brain is coming online. There are a lot of conversations about making money, but very few or limited conversations that are intimate about how to manage it or how to even think about a financial decision.

有證據表明，某些涉及禁忌或神聖價值的決定，實際上是大腦的另一部分在起作用。關於賺錢的對話很多，但關於如何管理金錢或如何考慮財務決策的對話卻很少，甚至很有限。

It is quite literally something that touches every aspect of our lives.

實際上，它涉及到我們生活的方方面面。

And if we don't learn not just how to manage it, but also how we feel about it, it can have these ripple effects on our lives in the future.

如果我們不僅不學習如何管理它，也不學習如何看待它，它就會對我們未來的生活產生連鎖反應。

Money taboos can have serious financial impacts.

金錢禁忌會對財務產生嚴重影響。

The good news?

好消息是什麼？

The part of our brain where taboos live is not in charge.

我們大腦中禁忌的那部分不受控制。

You are.

你是

This is your Brain on Money. This is Kathleen.

這就是你的 "金錢大腦"。我是凱瑟琳

She knew at an early age that she had an interest in finance.

她很早就知道自己對金融感興趣。

When I was a little girl, probably five or six, my favorite toy was a cash register.

在我五六歲的時候，我最喜歡的玩具是收銀機。

And I just loved hitting the buttons and hearing the ka-chings, and I loved coins.

我喜歡按按鈕，喜歡聽咔嚓咔嚓的聲音，喜歡硬幣。

Now as a wealth psychology expert, she's seen the effect money taboos have had on her clients from every walk of life. So the money talk taboo is there and it's strong.

現在，作為一名財富心理學專家，她看到了金錢禁忌對各行各業客戶的影響。是以，談錢的禁忌是存在的，而且很強烈。

It has to do with the fact that we have grown up in a society that historically has not been open and honest about money.

這與我們成長於一個歷來對金錢不開誠佈公的社會有關。

It's because families don't know how to talk about money and don't have a roadmap for teaching us about saving, spending, investing.

這是因為家庭不知道如何談論金錢，也沒有教我們儲蓄、消費和投資的路線圖。

And that silence is kind of passed down through generation.

這種沉默代代相傳。

So how does the brain perpetuate the taboo around money?

那麼，大腦是如何讓金錢禁忌長期存在的呢？

Our two neuroscientists, Dr. Joseph Cable and Dr. Moran Cerf, are going to show us what's happening inside our head. Our ancestors back in the days, when they lived in small groups, everyone had the benefit of the tribe and it worked for them not to stand out.

我們的兩位神經科學家，約瑟夫-凱布爾博士和莫蘭-瑟夫博士，將向我們展示我們的大腦內部發生了什麼。我們的祖先生活在小群體中時，每個人都能享受到部落的福利，這對他們來說很有效，不會顯得特別突出。

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 has the same and we all share resources, but money became a very easy tool to quantify people's position in a system.

理想的世界是每個人都擁有相同的東西，大家共享資源，但金錢卻成了一個非常容易量化人們在系統中地位的工具。

We resort to not revealing that too much because it might end up showing us that we're not as high on the totem pole as we thought we were.

我們不願意透露太多，因為這可能會讓我們知道，我們在圖騰柱上的地位並沒有我們想象的那麼高。

So we're torn in a station where our brain still thinks one way, but we accept the norm of society that is different.

是以，我們的大腦仍在以一種方式思考，但我們卻接受了不同的社會規範，這讓我們很糾結。

In that sense, we're in a constant battle. What's interesting about the way our brain resolves this conflict is that it thinks about taboos differently from most other decisions.

從這個意義上說，我們一直在戰鬥。我們的大腦解決這種衝突的有趣之處在於，它對禁忌的思考方式與大多數其他決策不同。

In the world of decision-making, we're engaging this valuation circuitry.

在決策領域，我們正在使用這種估值電路。

We're weighing costs and benefits.

我們正在權衡成本和效益。

But with taboos, it's different.

但禁忌就不一樣了。

Decisions that involve taboos, we've been able to identify with neuroimaging.

涉及禁忌的決定，我們已經能夠通過神經成像來識別。

A different part of the brain is coming online, the so-called executive brain.

大腦的另一部分正在上線，即所謂的執行大腦。

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

這是大腦制定規則的部分。

These decisions are cut and dry, nothing to weigh in terms of costs and benefits.

這些決定都是一刀切的，無需權衡成本和收益。

The good news is the executive part of our brain is flexible, so even our deepest taboos can change very quickly.

好在我們大腦的執行部分是靈活的，所以即使是我們最深的禁忌也能很快改變。

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, we all decided to reorient our behavior.

然後，"砰 "的一聲，在一個月的時間裡，我們都決定調整自己的行為。

So if that part of the brain is flexible, what makes money such a taboo still? So many people, no matter what their socioeconomic status is, have a sense that everybody else is doing this thing called money better and that somehow they're messing it up.

那麼，如果大腦的這一部分是靈活的，是什麼讓金錢仍然如此忌諱呢？很多人，無論他們的社會經濟地位如何，都有一種感覺，那就是別人都在把錢這件事做得更好，而自己卻把它弄得一團糟。

And if we're able to break that money silence and talk and share, what we find is, oh, wait a second, nobody's perfect with money.

如果我們能夠打破對金錢的沉默，進行交流和分享，我們就會發現，哦，等等，沒有人在金錢方面是完美的。

So when we become more compassionate with ourselves and more understanding of our relationship with money, that shame would go away.

是以，當我們對自己更有同情心，更瞭解自己與金錢的關係時，這種羞恥感就會消失。

And I really do believe we would be a healthier society and healthier individuals.

我真的相信，我們會成為一個更健康的社會和更健康的個人。

But what I find is if you take small baby steps and build up that muscle and pick really good people to engage in money conversations to start, it ultimately breaks through the taboo and you find out that talking about money, people think I'm crazy, but I think it's fun. So what concrete steps can we take to break the money taboo?

但我發現，如果你邁出一小步，鍛鍊肌肉，挑選真正優秀的人開始金錢對話，最終就會打破禁忌，你會發現，談論金錢，人們覺得我瘋了，但我覺得這很有趣。那麼，我們可以採取哪些具體步驟來打破金錢禁忌呢？

Meet Steven and Lindsey.

認識一下史蒂文和林賽。

Lindsey's from Michigan.

林賽來自密歇根州。

So for those of you not from the Michigan area, we always hold up our hand and we say, I'm from this part of Michigan.

是以，對於那些不是來自密歇根地區的人，我們總是舉起手說，我來自密歇根的這個地方。

So I'm from this part of Michigan.

我來自密歇根州的這個地方。

And Steven is a big music fan.

史蒂文是個音樂迷。

I am really specific about the lyrical rappers, which is why Ghostface Killah is still in my top five.

我對抒情說唱歌手非常挑剔，這也是為什麼鬼臉-基拉（Ghostface Killah）仍然排在我的前五名的原因。

And as financial therapists, they're going to explain how to break down the money taboo. Belonging has protected us from the dawn of time and whether we like it or not, we do that a lot with our money.

作為理財治療師，他們將解釋如何打破金錢禁忌。從古至今，"歸屬感 "一直在保護著我們，不管我們願不願意，我們在金錢問題上也是如此。

We want to fit in.

我們想融入其中。

We want to belong.

我們想要歸屬感。

Is maybe buying something that we can't afford or maybe taking a trip because we want to be with our friends.

也許是買了我們買不起的東西，也許是因為想和朋友們在一起而去旅行。

Whereas what actually can really connect you more deeply to your community and to your friends is being really truthful with them and saying something like, you know what, that trip sounds awesome, but I can't commit to a full week.

而真正能將你與社區和朋友更深地聯繫在一起的，是對他們實話實說，比如說，你知道嗎，那次旅行聽起來很棒，但我不能承諾一整個星期。

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

週末我再來找你們。

So being truthful and kind and as transparent as you feel comfortable, actually the deeper those friendships and relationships become. The biggest advantage of talking about money more freely is reducing stress, anxiety, and the mystery around money.

是以，真實、善良、透明，只要你覺得舒服，實際上這些友誼和關係就會變得更加深厚。更自由地談論金錢的最大好處是減少壓力、焦慮和金錢的神祕感。

If you're someone who is uncomfortable about money, one of the first things you can do is investigate how you feel about money and financial decisions and using that as a journal prompt or a way to explore with a friend or a family member will help you see why you're avoidant about talking about money.

如果你對金錢感到不自在，那麼你可以做的第一件事就是調查自己對金錢和財務決策的感受，並將其作為日記的提示，或作為與朋友或家人探討的一種方式，這將幫助你瞭解自己為什麼迴避談論金錢。

More likely than not, you will realize that someone has already experienced getting their bank account closed or someone has already experienced how the process moves when buying a house.

更有可能的是，你會發現有人已經經歷過關閉銀行賬戶的過程，或者有人已經經歷過買房時的流程。

Whether it is a family member, a friend, your partner, or anyone else that you're feeling comfortable bringing up the topic of money with, just know that money is something that's changing every day in our lives.

無論是家人、朋友、伴侶還是其他任何人，只要你願意和他們談論錢的話題，你就應該知道，錢是我們生活中每天都在變化的東西。

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

對任何人來說，這都不是一件事，也不是萬能的。

So if you're the type of person who feels like that you have nobody to talk to about money, here's the good news.

所以，如果你是那種覺得沒有人可以跟你談錢的人，那麼好消息來了。

I've seen some amazing groups form online and then actually take them offline.

我見過一些令人驚歎的團體在網上成立，然後又真正脫機運行。

So I would encourage you, depending on where you like to hang out on the internet, to follow different forums or groups talking about different financial things, even how finances intersect with our mental health.

是以，我鼓勵大家，根據自己喜歡上網的地方，關注不同的論壇或小組，討論不同的財務問題，甚至財務如何與我們的心理健康交織在一起。

But really the essence of talking about money is talking about what are your emotions around money?

但實際上，談論金錢的本質是談論你對金錢的情感是什麼？

What's important to you?

什麼對你最重要？

What are your dreams?

你的夢想是什麼？

What are your hopes?

您的希望是什麼？

I mean, those are all great conversations to have and it all starts with engaging in a financial conversation.

我的意思是，這些都是很好的對話，而這一切都要從參與財務對話開始。

So let's break money silence.

所以，讓我們打破金錢的沉默吧。