6 ways to improve your relationship with money | The Way We Work, a TED series

Transcriber: TED Translators admin

Translator: TED Translators Admin Reviewer: Hafizh Alfarisi

Saat kau memikirkan uang dan impianmu, lalu melihat rekeningmu

dan kau pun berpikir, “Saldoku tak sejalan dengan impianku.”

[Cara Kita Bekerja]

Kesehatan finansial bagi kebanyakan keluarga Amerika bisa membuat stres.

When you think about money and your dreams

and you're looking at your account,

Kita tahu bahwa 46 persen orang Amerika kesulitan

you're like, "My bank account does not align with my dreams."

mempersiapkan 400 dolar untuk keadaan darurat.

[The Way We Work]

Padahal, 60 persen orang Amerika menghadapi keadaan darurat itu

Financial health for a typical American household can be stressful.

dalam 12 bulan atau kurang.

We know that 46 percent of all Americans would struggle

Ketika kau tanyakan, “Apa arti uang bagimu?”

kebanyakan akan menjawab, “Aku cemas dibuatnya.”

coming up with 400 dollars in the event of an emergency.

And 60 percent of all Americans will face that emergency

Rasa tak aman pun muncul, begitu pula rasa malu.

Kupikir hubungan kita rumit dengan uang karena uang diikuti penilaian orang.

within 12 months or less.

When you ask the question, "What does money mean to you,"

Ketika kau tidak mampu membayar tagihan tepat waktu,

most people will say things like, "I feel anxious."

benakmu mungkin terbebani.

“Aku tak mau dianggap tidak pintar.”

And so the insecurities come. The shame comes.

“Aku tak mau yang lain tahu kalau aku sangat mencemaskan uang.”

I think we have a fraught relationship with money,

because it comes with judgment.

“Aku tak mau yang lain tahu kalau aku sangat tertekan.”

When you're not able to pay your bills on time,

Jadi, coba ubah narasinya.

you can personalize that.

[Enam cara memperbaiki hubungan kita dengan uang]

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

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

[1: Membicarakannya.]

Kau tak bisa melakukannya sendiri dan temanmu perlu membantu.

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

So now let's change the narrative.

Ini memang tabu.

Kita biasanya tidak membicarakan stres saat membahas uang.

[6 lessons on how to improve our relationship with money]

Kita mesti bersatu sebagai sekelompok teman,

[1: Talk about it.]

tanpa penilaian, tanpa rasa malu.

Beri selamat ke diri kita karena telah memutuskan

You can't do it alone. And that's when your squad has to come in.

untuk menjalin hubungan yang lebih baik dengan uang.

It's taboo.

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

Hal ini layak diberi tepukan tangan atau jentikan jari.

We need to come together as a group of friends,

Begitu melakukannya, kau mulai memahaminya.

no judgment, no shame.

Semua bisa dibicarakan.

Celebrate the fact that we've made a decision

“Dari mana hubungan ini berasal?”

that we want to have a better relationship with money.

“Kenapa kuhabiskan semua uang untuk hal yang tidak mendukung impianku?”

That is worth applauding or snapping your fingers about.

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

“Apa ketakutanmu? Apa harapanmu? Apa impianmu?”

Nothing should be off-limits.

Kemudian, kita mulai bertindak.

“Apa yang bisa kita lakukan minggu ini atau bulan ini?”

Where does this relationship come from?

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

[2: Memahami uang.]

Uang bukanlah segalanya.

What are your fears? What are your hopes? What are your dreams?

Uang adalah mekanisme untuk mewujudkan apa pun impianmu.

But then we start to take action.

Uang tidak mendefinisikan dirimu.

What can we do this week? Or what can we do this month?

Uang hanyalah mekanisme untuk mewujudkan apa yang terpenting untukmu.

[2: Understand what money is]

Money is not the end-all be-all.

[3: Kenali apa yang penting bagimu ... ]

Tanyakan dirimu satu pertanyaan penting: untuk apa tabunganmu?

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

Jika kau menabung untuk membeli mobil, membayar utang,

It does not define you.

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

ataupun untuk biaya tak terduga,

tabungan mencakup tujuan jangka pendek dan jangka panjang.

[3: Identify what matters to you ... ]

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

[4: ... dan bayangkanlah.]

If you're saving for a car, if you're saving to pay down your debt,

Bayangkan apa yang ingin kau capai.

if you're saving for that rainy day fund,

Papan visi adalah gambaran visual dari tujuanmu menabung.

it will include short-term goals

and it will include long-term goals.

Jika mau membuat rinciannya, siapkan papan poster,

[4: ... and then really picture it.]

ambil spidolmu, glitermu,

Visualize what you're really trying to accomplish.

ambil majalah, foto, potong semuanya.

A vision board is visual representation

Pasang foto perjalanan yang mengasyikkan, pasang fotomu saat mencicil utang kuliah.

of what you're saving for.

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

Papan visi mungkin membuatmu bertanya, “Memangnya ini bisa membantu?”

Get your markers, get your glitter.

Take magazine pictures, cut it all out.

Intinya adalah tujuanmu perlu selaras dengan perilakumu

Have that picture of that great trip.

dan papan visi benar-benar menggambarkan

Have the picture of you paying down your student debt.

ke mana kau ingin pergi dan bagaimana kau menjalani hidup

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

sekaligus menunjukkan langkah untuk mencapai tujuanmu.

[5: Bukan apa yang kau hasilkan, tapi yang kau simpan.]

The point is your goals need to align with your behaviors,

Bukan apa yang kau hasilkan, tapi yang kau simpan.

and the vision board is really a representation

Ini soal memahami apakah kita punya kemampuan

of where you wanna go and then how you live your life,

menggunakan penghasilan kita untuk memenuhi kebutuhan dasar.

and in the meantime are the steps to really get there.

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

Jika tidak, penyesuaian apa yang perlu kita buat?

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

Lalu, kita mulai membuat rinciannya dan membahas alatnya.

It's about understanding do I have the ability

Mulai tanyakan, “Apa rekeningku punya fitur auto-save?”

with what I'm making to take care of my basic needs?

Pasanglah, lalu lupakan, atau tabung satu dolar setiap hari.

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

Apa pun sistem yang cocok untukmu, tujuannya adalah sistem, bukan jumlahnya.

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

Kau bisa mulai pelan-pelan.

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

Kau bisa mulai menabung sedikit, tapi harus dimulai sekarang.

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

Biar kuberi sebuah trik; kita semua punya dorongan kuat.

Karena kita selalu memegang ponsel, kita malah berbelanja.

Whatever that rhythm is for you,

the goal is the rhythm, not the amount.

Silakan kunjungi situs apa pun, masukkan belanjaan ke keranjang,

You can start slow.

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

tapi jangan tekan tombol beli.

Tunggu 24 jam, lalu kembali dan tanya ke diri sendiri,

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

“Apa aku membutuhkan ini?

Many times, because the phone is always with us,

Apa barang-barang ini berkaitan dengan tujuanku?”

we start shopping.

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

Jika tidak, hapuslah dan dorongan belanjamu terpuaskan.

Just don't hit buy.

[6: Perlakukan dirimu dengan baik.]

Wait 24 hours, go back and ask yourself,

Kau mesti tahu kalau harga diri tidak ditentukan oleh kekayaanmu.

"Do I really need it?

What about these items map to my goal?"

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

Pandangan ini bisa diterapkan dengan lebih baik.

Rayakan kemenanganmu.

[6: Be good to yourself.]

Saat kau salah langkah, tak ada penghakiman maupun rasa malu.

It's also important to know

Cukup ulangi lagi.

that your self-worth is not determined by your net worth.

This is something that we can do better about.

You celebrate your wins.

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

Just get back at it.