Name: 伴侶之間金錢觀不同，到底該怎麼辦才好？如果不解決後果會很嚴重......►聽聽理財大師怎麼說 - Ramit Sethi 拉米特．塞提（中英字幕） (伴侶之間金錢觀不同，到底該怎麼辦才好？如果不解決後果會很嚴重... ►聽聽理財大師怎麼說 - Ramit Sethi 拉米特．塞提（中英字幕）)
Uploaded: 2025-05-21T09:52:09.000Z
Duration: 4 min 50 s

形容詞最高級

Most common issue of all is that one partner is a spender and one is a saver.

最常見的問題是，一方是花錢大戶，一方是儲蓄大戶。

情態助動詞 A2

There are other issues which a lot of people will say, "I can't seem to get on the same page."

還有其他一些問題，很多人會說："我似乎無法達成共識"。

And when I ask them, "tell me about a specific time in the last 30 days where you two were not on the same page," they're like, bruh.

當我問他們，"告訴我過去 30 天裡，你們倆哪次意見不一致 "時，他們會說，"老兄"。

They instantly know and it hits them very deeply.

他們立刻就知道了，並深受打擊。

No. We have to remember that most of us don't even understand money for ourselves.

我們必須記住，我們中的大多數人甚至連自己都不瞭解錢。

And then when we get with a partner, it's like one plus one equals twenty.

當我們有了搭檔，就像一加一等於二十。

We really don't understand how to bring our perspectives together.

我們真的不知道如何將我們的觀點結合起來。

And so here we have one person who says, "hey, we have a lot of money.

於是就有一個人說："嘿，我們有很多錢。

Like we can actually afford to go out to a nice vacation or dinner."

就像我們真的有能力去度個好假或吃頓飯一樣"。

And the other person says, "I don't feel safe."

你就是那個 "我覺得不安全 "的人麼？

I was like, "look at the the compound interest.

And my wife, she said, "I wanna use money to feel safe."

我妻子說 "我想用錢來獲得安全感"

我當時想，這個詞是什麼意思？

Because to me, the word I use to describe money is growth, I wanna grow, I wanna have an impact.

因為對我來說，我用 "成長 "這個詞來形容金錢，我想成長，我想產生影響。

And so when we originally started talking, we started to rewind and we would talk about, you know,

是以，當我們最初開始談話時，我們開始倒帶，我們會談論，你知道的、

what were the things our parents said around the dinner table?

我們的父母在餐桌上都說了些什麼？

Everyone has money beliefs that they learned as a kid.

每個人都有小時候學到的金錢觀。

So their parents might have said, "we don't talk about money in this family."

所以他們的父母可能會說 "我們家不談錢"。

Or, "oh, those rich people, that's for rich people, not for people like us."

或者說，"哦，那些有錢人，那是為有錢人準備的，不是為我們這樣的人準備的"。

Do you have any things that you remember hearing as a kid about money?

在你的記憶中，小時候有沒有聽過關於錢的事情？

So think about when you grow up hearing, "we can't afford that, we can't afford that."

所以，想想你在成長過程中聽到的 "我們負擔不起，我們負擔不起 "吧。

One day, when you have actually a pretty decent amount of money, a lot of people still tell themselves, "we can't afford that."

有一天，當你真正有了一筆相當可觀的錢時，很多人還是會告訴自己，"我們負擔不起"。

So they still go on the same type of vacations they would have gone on 15 years ago.

是以，他們仍然會像 15 年前一樣去度假。

They still tell their kids, we can't afford that.

他們仍然告訴自己的孩子，我們負擔不起。

So when I'm speaking to these couples and I talk to them about their problem, and I go, "on a scale of one to 10, how big of a deal is this?"

所以當我和這些夫婦談話時 我和他們談起他們的問題 然後我問 "從1到10 這個問題有多嚴重？"

And they go, "uh, you know, like maybe a four out of 10."

然後他們就說 "呃，你知道的，就像10分中的4分"

So what I say to them is, okay, now imagine fast forwarding 30 years, you've got two kids, you've got a mortgage, you've made 10,000 financial decisions now.

所以我對他們說，好吧，現在想象一下，快進 30 年後，你有了兩個孩子，你有了房貸，你現在已經做出了 1 萬個財務決定。

How big of a deal do you think this disagreement is?

And they instantly go, "oh, that's a nine out of 10."

他們馬上就會說 "哦，10分中有9分"。

Because most of us in the moment, we minimize our financial problems with our partner, but we can easily see how people get divorced over money when it calcifies and amplifies over the next 25 years.

因為我們大多數人在當下都會盡量減少與伴侶之間的財務問題，但我們不難發現，在接下來的 25 年裡，當金錢問題逐漸鈣化和放大時，人們是如何因為金錢而離婚的。

The good news is that you don't have to always agree with your partner on certain things.

好消息是，您不必總是同意伴侶的某些觀點。

He might wanna spend money on a certain thing.

If you can if you can jointly afford it or he can individually afford it, that's fine.

如果你們共同負擔得起，或者他個人負擔得起，那就沒問題。

So these are couples, do you have them separate their money?

那麼，這些都是夫妻，你會讓他們把錢分開嗎？

是以，他們中的一些人有一個共同賬戶。

Or what I like to recommend for couples is they have a joint account and they have their own independent accounts.

或者，我建議夫妻雙方擁有一個共同賬戶，同時擁有各自的獨立賬戶。

Well, we don't now, but when Lisa and I first got married, that's exactly what we did.

我們現在不這麼做了，但麗莎和我剛結婚時，我們就是這麼做的。

We said, all right, we have one account where this is for all the bills.

我們說，好吧，我們有一個賬戶，這是所有賬單的賬戶。

Then we each get an equal amount of spending money in a separate account.

然後，我們每人在一個單獨的賬戶中獲得等額的花銷。

所以，現在你可以為所欲為了。

You can save your money, you can spend your money.

And that was the saving grace, like figuring that out early on was magical.

這也是我的救命稻草，就像一開始就明白這一點一樣神奇。

It freed us up because the things I wanted to spend money on she thought was dumb and the things she wanted to spend money on I thought was dumb.

這讓我們之間的關係得到了解放，因為我想花錢買的東西她認為是愚蠢的，而她想花錢買的東西我認為是愚蠢的。

所以我就想，"嘿，你做你的"。

But look at the approach you took, it's so important for everybody to catch this, you could sit there and fight about cosmetics or cars or suitcases or whatever, and you do that for the rest of your life.

但看看你們採取的方法，這對每個人都很重要，你們可以坐在那裡，為化妝品、汽車或手提箱什麼的爭吵，你們的餘生都會這樣。

It's awful to sit there and you're fighting the same battle you fought 20 years ago.

坐在那裡，和 20 年前打同樣的仗，實在太可怕了。

Or what you and Lisa did, which is amazing, you set up a system.

你和麗莎的做法也很了不起，你們建立了一個系統。

Okay, joint, now we got our mortgage or rent covered, et cetera.

好了，現在我們的抵押貸款或房租等都有了著落。

Independent accounts and now the problem vanishes.

So money always is gonna be complicated, especially when you have two people, different earnings, different money philosophies.

所以錢的問題總是很複雜，尤其是當你有兩個人，不同的收入，不同的理財理念。

But the solution is not to simply fight and talk each other into seeing your perspective.

但是，解決的辦法並不是簡單地爭吵和勸說，讓對方看清自己的觀點。

But sometimes you need to add some systems and psychology which really solves the problem.

但有時你需要添加一些系統和心理學知識，這樣才能真正解決問題。

字幕列表影片播放

perspective

approach

decent

figure