The money talk that every couple needs to have | Your Money and Your Mind

Transcriber:

You know how your partner likes their coffee,

Translator: Milka Vincentiya Reviewer: Karina Prabowo

Anda tahu racikan kopi yang disukai pasangan,

what love language they speak

bahasa cinta apa yang mereka gunakan

and even their medical history.

dan bahkan catatan medis mereka.

But how much do you know about their finances?

Tapi, seberapa tahu Anda tentang finansial mereka?

[Your Money and Your Mind with Wendy De La Rosa]

[Uangmu dan Pikiranmu bersama Wendy De La Rosa]

Chances are, you and your better half are among the 78 percent of people

Kemungkinannya, Anda dan belahan jiwa Anda berada di antara 78 persen orang

who would rather share their full dating history

yang memilih cerita kisah cinta mereka secara lengkap

and all of that drama

dengan segala dramanya

and all of that baggage that comes along with it,

dan masalah yang datang bersamaan dengan itu,

rather than to disclose your full financial history.

daripada membuka riwayat finansial Anda secara lengkap.

And yet research shows that your significant other

Dan lagi, penelitian menunjukkan bahwa pasangan Anda

has a large influence on a whole host of your behaviors.

memiliki pengaruh besar pada sejumlah besar perilaku Anda.

Understanding how they handle money

Memahami cara mereka mengurus uang

is a great way to prevent strife and misunderstandings.

adalah cara baik untuk mencegah perselisihan dan kesalahpahaman.

In fact, financial disagreements rank as the strongest predictor of divorce.

Nyatanya, ketidaksepakatan finansial menjadi prediktor terkuat perceraian.

So my tip here is that if you want to strengthen your relationship,

Jadi, saran saya, jika Anda ingin memperkuat hubungan,

it's time to talk about the money.

saatnya untuk membahas tentang uang.

You might be thinking, "My partner and I don't need to talk.

Mungkin Anda pikir, “Kami tidak perlu membicarakan ini.

My partner takes care of the money," or vice versa.

Pasanganku yang mengurus uang,” atau sebaliknya.

But a 2018 study of heterosexual couples shows that in these situations,

Tapi, studi pasangan heteroseksual tahun 2018 menunjukkan pada situasi ini,

the partner who takes on all of the responsibility,

pasangan yang mengurus semua tanggung jawab,

the one who manages all of the financial tasks,

yang mengatur semua pekerjaan finansial,

they become more and more proficient at financial management over time.

menjadi lebih dan lebih pandai dalam mengelola finansial seiring waktu.

But the other person,

Namun,

the person who has given up all of their financial responsibilities,

seorang yang memasrahkan semua tanggung jawab finansial,

their financial management capabilities decline over time.

kemampuan pengelolaan finansialnya akan berkurang seiring waktu.

And what if something happens?

Gimana jika terjadi sesuatu?

Maybe you break up, maybe it doesn't work out,

Mungkin hubungannya kandas, atau tidak berhasil,

or, God forbid, maybe your spouse dies too early.

atau, mungkin pasangan Anda meninggal lebih cepat.

If the person who wasn't responsible for the money management

Jika yang tidak bertanggungjawab atas pengelolaan finansial

ends up on their own,

ditinggal sendiri,

that person oftentimes struggles to regain their financial skills,

orang tersebut sering kesulitan untuk belajar finansial kembali,

making it more and more difficult

membuatnya jadi lebih dan lebih sulit

for them to navigate the world alone.

menjalankan hidupnya sendirian.

And 75 percent of the time,

Dan seringnya 75 persen

it's the women who outlive the men.

wanita hidup lebih lama dari pria.

For the partner who hasn't taken on the money management role,

Bagi pasangan yang belum pernah mengambil peran mengelola uang,

it's like forgetting a foreign language:

ibaratnya seperti lupa akan bahasa asing:

when you stop using it,

saat tidak digunakan lagi,

you lose some of your ability to understand and communicate in it.

Anda akan kehilangan kemampuan untuk paham dan berkomunikasi.

But if you keep that financial immersion going,

Tapi jika Anda tetap mempelajari finansial,

so does your fluency.

kemampuanmu juga berkembang.

Being open about your finances can be very scary,

Terbuka tentang keuanganmu mungkin sangat menyeramkan,

but it can also be very rewarding.

tapi juga bermanfaat.

Experiments have shown that shared vulnerability

Eksperimen menunjukkan bahwa membagikan kelemahan

establishes a greater sense of trust, cooperation

membangun rasa kepercayaan, kerja sama,

and intimacy in relationships.

dan intimasi dalam hubungan.

So to get you started,

Jadi untuk memulai,

I, along with a couple of colleagues,

saya, bersama dengan beberapa rekan,

developed a list of 10 conversation starters.

mengembangkan daftar dari 10 pembuka percakapan.

Here are just three.

Ini tiga diantaranya,

Number one:

Pertama:

What are your long-term financial goals?

Apa gol finansial dalam jangka panjangmu?

What do you want to accomplish together?

Apa yang ingin dicapai bersama?

Number two:

Kedua:

How do you measure your financial success?

Bagaimana mengukur kesuksesan finansial?

Is it a house with a white picket fence,

Apakah dengan rumah berpagar putih,

or is it having the ability to live anywhere around the globe?

atau dapat hidup di mana pun di dunia ini?

Number three:

Ketiga:

What's the one thing you wish your parents would have done differently financially?

Apa hal yang ingin kau ubah dari keputusan finansial orang tua?

As a university study found,

Berdasarkan studi,

it's important to answer these questions together

Sangat penting untuk menjawab pertanyaan ini bersama

because joint decision-making,

karena keputusan bersama,

making decisions as a couple,

membuat keputusan sebagai pasangan,

oftentimes results in taking fewer risks

dapat mengurangi risiko

that in turn can lead to higher savings.

yang meningkatkan uang tabungan.

Now, I'm sure you intuitively understand

Saya yakin sekarang Anda paham

that open, honest conversations with your better half are beneficial.

percakapan yang terbuka, jujur dengan pasangan Anda sangat berguna.

And I understand that it's difficult to get started,

Dan saya paham sulit untuk memulainya,

especially when talking about money.

apalagi membicarakan uang.

But a great first step is just to put some time on the calendar

Tapi langkah pertama adalah menentukan tanggal di kalender

so that you two can have a nice financial chat.

jadi kalian dapat bicara tentang uang.

Take out your phone right now,

Ambil ponsel Anda sekarang,

set the calendar invite.

buat janji di kalendar.

Your future self will thank you.

Kelak dirimu akan berterima kasih.