Why talking to your friends can help you save money | Your Money and Your Mind

90,364 views ・ 2021-03-03

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Transcriber:
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Changing people's financial behavior is difficult,
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Prevodilac: Marija Krsmanovic Lektor: Ivana Korom
Teško je promeniti finansijsko ponašanje ljudi,
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but it is possible.
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ali je moguće.
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[Your Money and Your Mind with Wendy De La Rosa]
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[Vaš novac i Vaš um sa Vendi De La Rosom]
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One company that was looking to reduce energy consumption in San Diego
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Jedna kompanija koja je želela da smanji potrošnju energije u San Dijegu
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tried to change people's behaviors
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je pokušala da promeni ponašanje ljudi
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by using signs with one key sentence.
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koristeći znake u jednoj ključnoj rečenici.
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What exactly was that sentence?
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Koja je to rečenica?
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Well, it turns out that signs about protecting the environment
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Pa, ispostavilo se da znaci o zaštiti okoline
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or looking out for future generations
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ili brizi za buduće generacije
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or signs that focus on the amount of money that people will save
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ili znaci koji se odnose na sumu novca koju će uštedeti
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were not effective in reducing consumers' energy consumption.
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nisu bili efikasni u smanjenju potrošnje energije.
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Instead, the message that worked the best
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Umesto toga, poruka koja je imala najviše uspeha
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was a simple one that read,
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je bila jednostavna i glasila je:
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"The majority of your neighbors
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“Većina vaših komšija
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are undertaking energy-saving actions every day.”
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svaki dan preduzimaju korake kojima štede energiju.”
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A similar message focusing on what our neighbors are doing
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Slična poruka koja se fokusira na ono što naše komšije rade
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was used in the UK to incentivize British taxpayers
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je korišćena u Ujedinjenom Kraljevstvu da podstakne britanske građane
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to pay their taxes on time.
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da plaćaju porez na vreme.
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That simple change, pointing out what other people are doing,
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Ta jednostavna promena koja ukazuje na ono što drugi ljudi rade
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led to an increase in collections of about 29 percent.
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je dovela do povećanja prikupljenog poreza za 29%.
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Psychologist Robert Cialdini, who worked on both of these studies,
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Psiholog Robert Ćaldini, koji je radio na obe studije,
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calls this phenomenon "social proof."
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je nazvao ovaj fenomen “socijalni dokaz.”
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He says people look to what others do
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On kaže da ljudi gledaju šta drugi rade
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in order to guide their own behavior.
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i to upravlja njihovim ponašanjem.
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It's no wonder, then,
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Onda, nije čudo
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that we base a lot of our own fiscal decisions
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što baziramo većinu naših finansijskih odluka
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on what other people do.
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na onome što drugi ljudi rade.
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And unfortunately, what we most easily observe
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I nažalost, ono što najlakše opažamo
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are other people's spending behavior,
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su potrošačke navike drugih ljudi, ne njihova štednja.
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not their savings behavior.
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01:19
It's easy to notice if your friend goes on vacation
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Lako je primetiti ako vaš prijatelj ode na odmor,
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or buys a new car or a swanky pair of shoes.
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ili kupi novi auto ili moderan par cipela.
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And with social media, you can even keep tabs
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Koristeći socijalne mreže možete čak i da pratite
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on the shopping habits of the rich and the famous.
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kupovne navike bogatih i slavnih.
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Now, if someone wins the lottery,
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Ako neko dobije na lutriji,
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we'd expect them to spend more money -- and they do.
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očekivali bismo da potroše više novca - i oni to i rade.
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But what's really interesting
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Ali nešto što je veoma zanimljivo
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is what happens to their neighbors.
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je ono što se događa njihovim komšijama.
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A recent study found that close neighbors of lottery winners
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Nova studija je pokazala da komšije bliske dobitnicima lutrije
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are more likely to borrow money, spend more on goods
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češće pozajmljuju novac, troše više na stvari
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and eventually declare bankruptcy.
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i na kraju proglase bankrot.
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In fact, the larger the lottery winner,
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U stvari, što je veći dobitak na lutriji,
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the higher the rate of bankruptcy
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veća je stopa bankrota među komšijama dobitnika lutrije.
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among the neighbors of the lottery winners.
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01:55
Basically, the lottery winner's behavior
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U suštini, ponašanje dobitnika utiče na njihove komšije.
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is rubbing off on their neighbors.
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02:00
We are always aware of consumer spending,
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Uvek smo svesni potrošnje,
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but what we are not aware of
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ali ono čega nismo svesni je kako drugi ljudi štede.
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are other people's savings behavior.
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02:06
So let's lift that veil.
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Pa, hajde da to razjasnimo.
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You can start with just a couple of friends.
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Možete da počnete sa par prijatelja.
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Instead of asking where they bought their new bike
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Umesto da ih pitate gde su kupili novi bicikl
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or the best time of year to travel to France,
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ili koje je najbolje doba godine za put u Francusku,
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ask them if they paid down their mortgage
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pitajte ih da li su otplatili hipoteku
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or if they have an emergency fund
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ili da li imaju fond za hitne slučajeve
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or if they've paid off their student loan.
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ili da li su otplatili studentski kredit.
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Tell them about your own financial situation.
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Pričajte im o svojoj finansijskoj situaciji.
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To really make this a social affair,
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Da bi ovo stvarno bio društveni događaj,
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I encourage you to start celebrating paying down your debts.
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ohrabrujem vas da počnete da slavite kada vratite dugove.
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Maybe you've seen the viral video of a happy dancing woman
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Možda ste videli popularni video u kome srećna žena,
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who paid off more than 200,000 dollars in student debt.
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koja je vratila studentski kredit od više od 200 000 dolara, igra.
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She was able to achieve this incredible milestone
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Ona je uspela da postigne ovaj neverovatni cilj
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because she was bold enough to ask her colleagues
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zato što je imala dovoljno hrabrosti
da pita svoje kolege i saradnike na poslu koliko zarađuju.
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and her industry peers
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how much they earned,
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noting the thousands of dollars that she was missing out on,
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Primetivši da propušta hiljade dolara,
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and finding a job that would pay her her fair market rate.
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ona je našla posao koji joj je omogućio da zaradi pravu tržišnu platu.
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I think that video gained notoriety
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Mislim da je taj video postao popularan
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because it's not often that we get to see what people have saved
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zato što retko imamo priliku da vidimo koliko su ljudi uštedeli
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and how they're doing it.
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i kako to rade.
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But it shouldn't be so rare.
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Ali to ne bi trebalo da bude retkost.
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By having check-ins with your friends,
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Razgovorom sa prijateljima možete da pomognete da to postane trend.
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you can help make a trend.
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I remember when I paid off my student loan,
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Sećam se kada sam otplatila studentski kredit.
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I wish I would have celebrated that milestone with friends.
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Volela bih da sam proslavila taj događaj sa prijateljima.
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But at the time, I, too, was brainwashed into thinking
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Ali u to vreme i ja sam bila ubeđena
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that I shouldn't talk to my friends about money,
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da ne bi trebalo da razgovaram sa prijateljima o novcu,
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that it was a scary taboo subject.
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da je to strašna tabu tema.
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Don't be like me.
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Ne budite kao ja.
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Start the conversation today.
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Počnite da razgovarate danas.
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Research has shown that our social bonds make us healthier.
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Intraživanje je pokazalo da nas socijalne veze čine zdravijima.
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It's time to harness your social ties
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Vreme je da upotrebite svoje društvene veze
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to boost your financial fitness, too.
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i za popravljanje svojih finansija.
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Your future self will thank you.
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Vaše buduće ja će vam zahvaliti.
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