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

Transcriber:

You know how your partner likes their coffee,

Translator: Aznah Binti Arshad Reviewer: Nurul Hanim Abd Karim

Anda tahu kopi kesukaan pasangan anda,

what love language they speak

bahasa cinta mereka

and even their medical history.

malah sejarah perubatan mereka.

But how much do you know about their finances?

Namun, sejauhmana anda tahu kewangan mereka?

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

[Wang dan Minda Anda bersama Wendy De La Rosa]

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

Kemungkinan besar, anda dan pasangan tergolong dalam 78 peratus manusia

who would rather share their full dating history

yang lebih cenderung kongsi sejarah mereka bercinta

and all of that drama

dan semua drama berkaitannya

and all of that baggage that comes along with it,

dan semua beban yang dipikul bersamanya,

rather than to disclose your full financial history.

berbanding mendedahkan sejarah penuh kewangan anda.

And yet research shows that your significant other

Kajian menunjukkan pasangan anda

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

mempunyai pengaruh yang besar terhadap tingkah laku anda.

Understanding how they handle money

Memahami cara mereka mengurus wang

is a great way to prevent strife and misunderstandings.

adalah satu cara yang baik elak perselisihan dan salah faham.

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

Malah, pertelingkahan kewangan adalah penyebab terbesar perceraian.

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

Nasihat saya, jika anda mahu perkukuhkan hubungan anda,

it's time to talk about the money.

sudah masanya bercakap tentang wang.

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

Anda mungkin fikir, “Kami tak perlu berbincang.

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

Pasangan saya uruskan kewangan,” atau sebaliknya.

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

Kajian 2018 terhadap pasangan heteroseksual tunjukkan dalam situasi ini,

the partner who takes on all of the responsibility,

pasangan yang mengambil semua tanggungjawab,

the one who manages all of the financial tasks,

yang mengurus semua tugasan kewangan,

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

pada suatu masa menjadi semakin cekap dalam pengurusan kewangan.

But the other person,

Namun pasangannya,

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

pasangan yang lepaskan tanggungjawab kewangan,

their financial management capabilities decline over time.

keupayaan pengurusan kewangan mereka semakin merosot.

And what if something happens?

Bagaimana jika sesuatu berlaku?

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

Mungkin anda berpisah, hubungan tak menjadi,

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

atau mohon dijauhi, pasangan meninggal awal.

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

Jika yang tak bertanggungjawab dalam urusan kewangan

ends up on their own,

berakhir keseorangan,

that person oftentimes struggles to regain their financial skills,

orang itu selalunya bergelut untuk dapatkan semula kemahiran kewangan,

making it more and more difficult

menjadikan ia semakin sukar

for them to navigate the world alone.

untuk menghadapi kehidupan berseorangan.

And 75 percent of the time,

Selalunya 75 peratus,

it's the women who outlive the men.

wanita hidup lebih lama dari lelaki.

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

Bagi pasangan yang tak ambil peranan mengurus wang,

it's like forgetting a foreign language:

ia seperti melupakan bahasa asing:

when you stop using it,

jika berhenti bertutur,

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

anda hilang kebolehan memahami dan berkomunikasi dengannya.

But if you keep that financial immersion going,

Namun jika anda kekal mendalami ilmu kewangan,

so does your fluency.

begitu juga kefasihan anda.

Being open about your finances can be very scary,

Berlaku jujur dengan kewangan anda agak menakutkan,

but it can also be very rewarding.

namun ia juga sangat menguntungkan.

Experiments have shown that shared vulnerability

Ujikaji menunjukkan perkongsian kelemahan

establishes a greater sense of trust, cooperation

membentuk sikap saling percaya, kerjasama

and intimacy in relationships.

dan kemesraan lebih erat dalam perhubungan.

So to get you started,

Untuk anda mulakannya,

I, along with a couple of colleagues,

saya dan beberapa orang rakan,

developed a list of 10 conversation starters.

membuat satu senarai 10 pembuka bicara.

Here are just three.

Di sini hanya tiga.

Number one:

Pertama:

What are your long-term financial goals?

Apa matlamat kewangan jangka masa panjang?

What do you want to accomplish together?

Apa yang anda nak capai bersama?

Number two:

Kedua:

How do you measure your financial success?

Bagaimana anda ukur kejayaan kewangan?

Is it a house with a white picket fence,

Adakah dengan sebuah rumah berpagar putih,

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

atau keupayaan tinggal di mana sahaja seantero dunia?

Number three:

Ketiga:

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

Apa satu hal kewangan anda harap ibu bapa anda lakukan secara berbeza?

As a university study found,

Satu dapatan kajian universiti,

it's important to answer these questions together

penting untuk menjawab soalan ini bersama

because joint decision-making,

kerana membuat keputusan bersama,

making decisions as a couple,

membuat keputusan sebagai pasangan,

oftentimes results in taking fewer risks

selalunya menyebabkan pengambilan sedikit risiko

that in turn can lead to higher savings.

yang tambahkan simpanan lebih banyak.

Now, I'm sure you intuitively understand

Saya pasti gerak hati anda tahu

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

perbualan yang terbuka dan jujur bersama pasangan adalah bagus.

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

Saya juga faham ia sukar untuk dimulakan,

especially when talking about money.

terutamanya apabila bercakap tentang wang.

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

Namun langkah pertama yang bagus ialah untuk tetapkan masa

so that you two can have a nice financial chat.

supaya anda berdua boleh berbual tentang kewangan.

Take out your phone right now,

Keluarkan telefon anda sekarang,

set the calendar invite.

tetapkan temujanji.

Diri anda nanti akan berterima kasih.

Your future self will thank you.