Financial health for a typical American household can be stressful.

經濟上的健康狀態對於一個典型的美國家庭而言可以是相當有壓力的。

We know that 46 percent of all Americans would struggle coming up with 400 dollars in the event of an emergency.

我們知道有 4.6 成的美國人在遇到緊急事故時難以籌出 400 元美金。

And 60 percent of all Americans will face that emergency within 12 months or less.

還有 6 成的美國人會在 12 個月或更短的時間內遇到這樣的狀況。

When you ask the question, "What does money mean to you," most people will say things like, "I feel anxious."

當你提出了問題如，「金錢對於你而言是什麼呢」，大部分人會說類似如：「讓我感到很焦慮。」

And so the insecurities come.

然後開始感到沒安全感。

The shame comes.

羞愧感也跟著一起來。

I think we have a fraught relationship with money, because it comes with judgment.

我認為我們與金錢有令人憂心的關係，因為一般這段關係伴隨著批評。

When you're not able to pay your bills on time, you can personalize that.

當你沒有辦法準時繳交帳單，你會將這件事針對在自己身上。

I don't want anyone to think that I'm not smart.

我不想要任何人認為我不聰明。

I don't want anyone to know that I am very insecure with money.

我不想要任何人知道我對於金錢很不安。

I don't want anyone to know that I am super stressed out.

我不想要任何人知道我焦慮到不行。

So now let's change the narrative.

現在換個陳述方式。

6 lessons on how to improve our relationship with money.

六招教你改善與金錢的關係。

1: Talk about it.

1：談談這件事。

You can't do it alone.

這你沒辦法獨自完成。

And that's when your squad has to come in.

這時候你的親友團就該加入了。

It's taboo.

這是一個禁忌。

We typically don't talk about our stresses when it comes to money.

我們一般不討論自己與金錢有關的壓力。

We need to come together as a group of friends, no judgment, no shame.

我們需要像一群朋友一般團結在一起，沒有批評，沒有恥辱感。

Celebrate the fact that we've made a decision that we want to have a better relationship with money.

一起慶祝我們做了一個想要與金錢關係更好的決定。

That is worth applauding or snapping your fingers about.

這很值得拍手或彈指。

Once you've done that, then you get real.

當你做了這樣的決定，你會開始有實感。

Nothing should be off-limits.

沒有東西應該被侷限的。

Where does this relationship come from?

這樣與金錢間惡性的關係是從怎麼來的？

Why am I spending all this money on things that don't align with my goals?

為什麼我花了這些錢在不符合我夢想的東西上面？

What are your fears?

你的恐懼是什麼？

What are your hopes?

你的希望又是什麼？

What are your dreams?

你的夢想是什麼？

But then we start to take action.

然後開始付諸行動。

What can we do this week?

我們這週可以做什麼？

Or what can we do this month?

或者我們這個月可以做什麼？

2: Understand what money is.

2：了解什麼是金錢。

Money is not the end-all be-all.

金錢並非一切。

It's the mechanism to accomplish whatever your goals are.

他只是實現你無論是什麼目標的方法。

It does not define you.

但它並不能定義你這個人。

It's just a mechanism to accomplish what matters to you most.

這只是一個能實現對你而言最重要事物的方法。

3: Identify what matters to you.

3：確認什麼對你而言最重要。

Ask yourself one fundamental question: What are you saving for?

問自己一個很基本的問題：你為了什麼存錢？

If you're saving for a car, if you're saving to pay down your debt, if you're saving for that rainy-day fund, it will include short-term goals, and it will include long-term goals.

如果你為了一輛車、為了還貸款、為了存應急備用金，這會包括短期目標，也包括了長期目標。

4: ...And then really picture it.

4：將它具現化。

Visualize what you're really trying to accomplish.

試著將你要完成的目標具現化。

A vision board is a visual representation of what you're saving for.

一個願景板可以將你存錢的目標呈現出來。

So if we break it down, go get a poster board.

我們來詳細列出步驟，去拿一個告示板。

Get your markers, get your glitter.

拿出你的馬克筆，你要加亮片粉也可以。

Take magazine pictures, cut it all out.

找出雜誌上你喜歡的照片，把它剪下來。

Have that picture of that great trip.

準備好你夢想旅程的圖片。

Have the picture of you paying down your student debt.

一張你正在償還你的學生貸款的照片。

The vision board sounds like, "Oh, how can that really help?"

但這個願景板感覺，嗯真的能幫上忙嗎？

The point is your goals need to align with your behaviors, and the vision board is really a representation of where you wanna go and then how you live your life, and in the meantime are the steps to really get there.

重點在於你的目標必須與你的行為相符合，而願景板可以將你想去的地方或你想要過怎樣的生活呈現出來，而這也是達成目標的一部分。

5: It's not what you make, it's what you keep.

5：重點不在於你賺了多少，而是存了多少。

It's not about what you make, it's about what you keep.

重點不在於你賺了多少，而是存了多少。

It's about understanding do I have the ability with what I'm making to take care of my basic needs?

了解自己是否有能力用自己所賺的錢滿足最基本的需求。

And if not, what adjustments do I need to make?

如果不行，有什麼地方需要調整的？

And then we start to break it down and talk about the tools.

然後我們開始一一細看並討論怎樣的工具能幫上忙。

We start to say, "Do we have our savings account? Auto-save."

我們可以從「你有沒有儲蓄存款的戶頭，自動存款的功能」開始著手。

Set it and forget it, or every day, put a dollar a day.

設定好就別想它了，或者可以每天手動存一元進去。

Whatever that rhythm is for you, the goal is the rhythm, not the amount.

自己掌握自己的節奏，目標是在於抓到存款節奏養成習慣，而非存款多寡。

You can start slow.

你可以慢慢開始。

You can start small, but you have to start now.

你可以從少量存款開始，但你必須現在開始。

And then let me give you a trick, we all have impulses.

然後讓我給你一個小撇步，就是我們都有衝動的時候。

Many times, because the phone is always with us, we start shopping.

很多時候，因為手機不離身，我們開始在網路上買東西。

Go out to any site, shop up, put it in your cart.

去任何一個網站，逛一逛之後，將想買的東西放進購物車。

Just don't hit buy.

但千萬不要馬上按購買。

Wait 24 hours, go back and ask yourself, "Do I really need it?

等個 24 小時再回頭問自己：「我真的需要這個嗎？」

"What about these items map to my goal?"

「這些東西能讓我夠接近我的目標嗎？」

And if it's nothing, hit delete and you got your fix.

如果沒有，按下刪除，這樣就解決了你的購物癮啦。

6: Be good to yourself.

6：對自己好一點。

It's also important to know that your self-worth is not determined by your net worth.

知道個人價值並不是由總資產所定義，這件事非常重要。

This is something that we can do better about.

對於這件事我們都可以再做得更好。

You celebrate your wins.

可以為自己慶功。

And when you make that misstep, no judgment, no shame.

然而當你不小心犯了個錯，沒有必要批評，也沒有必要感到恥辱。

Just get back at it.

重新回到軌道上就好。