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

Transcriber: TED Translators admin

譯者: Marssi Draw 審譯者: Lo Hsien Huang

When you think about money and your dreams

當你想到錢和自己的夢想，

再看看銀行戶頭，

and you're looking at your account,

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

會想：「我的戶頭和夢想 是兩條平行線。」

[The Way We Work]

[ 我們工作的方式 ]

Financial health for a typical American household can be stressful.

財務健全對典型美國家庭來說， 可能會是很有壓力的事。

We know that 46 percent of all Americans would struggle

我們知道有 46% 的美國人

如果突然要付四百美元 應急可能會很掙扎。

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

And 60 percent of all Americans will face that emergency

60% 的美國人會在 12 個月內碰到那種情況。

within 12 months or less.

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

如果你問別人： 「錢對你來說有什麼意義？」，

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

大部分的人會說： 「錢讓我很焦慮。」

And so the insecurities come. The shame comes.

不安和恥辱的感覺襲來。

I think we have a fraught relationship with money,

我覺得我們和錢的關係讓人很擔心，

because it comes with judgment.

因為錢總是和批評連在一塊。

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

如果你沒辦法準時繳清帳單，

you can personalize that.

可能就會開始針對自己：

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

我不想讓人覺得我不夠聰明；

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

我不希望別人知道 我對錢很沒有安全感；

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

我不希望別人知道我壓力超大。

So now let's change the narrative.

現在讓我們來換個說法。

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

[ 六堂課改善你和錢的關係 ]

[1: Talk about it.]

[ 一、談錢 ]

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

這件事你不能一個人做。 這時你的朋友就該登場。

It's taboo.

談錢是禁忌。

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

我們通常不會跟別人聊 跟錢有關的壓力。

We need to come together as a group of friends,

我們應該要像朋友般齊聚一堂，

no judgment, no shame.

沒有批評、沒有恥辱感。

Celebrate the fact that we've made a decision

我們應該要為做決定而高興，

that we want to have a better relationship with money.

為了想要和錢有更好的關係而高興。

That is worth applauding or snapping your fingers about.

這件事值得鼓掌叫好。

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

只要你做到了，就會成真。

Nothing should be off-limits.

沒有什麼是不能談的。

Where does this relationship come from?

這樣的關係是從哪來的？

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

為什麼我把錢花在 不符合我目標的事情上？

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

你的恐懼、期望、夢想是什麼？

But then we start to take action.

然後我們開始採取行動。

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

這個星期可以做到什麼？ 這個月可以做到什麼？

[2: Understand what money is]

[ 二、了解錢是什麼 ]

Money is not the end-all be-all.

錢不是最重要的東西。

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

錢是讓我們實現目標的機制。

It does not define you.

錢不會定義你是誰。

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

錢這個機制讓你可以得到 對你而言最重要的東西。

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

[ 三、認清對你來說重要的事 ]

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

問自己一個基本問題： 你省錢是為了什麼？

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

省錢為了買車、還債，

if you're saving for that rainy day fund,

為了以備不時之需，

it will include short-term goals

你會有短期目標

and it will include long-term goals.

和長期目標。

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

[ 四、然後真的去想像藍圖 ]

Visualize what you're really trying to accomplish.

想像你真的想要實現的事。

A vision board is visual representation

願景板能具體呈現 你想要為了省錢得到的東西。

of what you're saving for.

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

分解動作：找一張海報板、

Get your markers, get your glitter.

麥克筆、亮粉。

Take magazine pictures, cut it all out.

找雜誌裡的圖片，全都剪下來。

Have that picture of that great trip.

完美旅行的圖片、

Have the picture of you paying down your student debt.

你付清學貸的圖片。

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

願景板這東西 「怎麼可能會真的有用？」

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

重點是你的目標要和行為相符，

and the vision board is really a representation

願景版真的是呈現

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

你真心想去的地方、 你想怎麼過生活，

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

同時也是你做到這些事的步驟。

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

[ 五、做什麼不重要， 留下什麼才重要 ]

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

做什麼不重要，留下什麼才重要。

It's about understanding do I have the ability

重點在於了解自己有沒有能力

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

用我做的事來滿足我的基本需求？

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

如果不行，要怎麼調整？

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

然後再拆解步驟、談談工具。

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

我們開始會說： 「我們有自動存款帳戶嗎？」

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

設好了就忘掉它吧， 或是每天存一塊錢進去。

Whatever that rhythm is for you,

不管你的規律是什麼，

the goal is the rhythm, not the amount.

目標就是遵守規律，不是數量。

You can start slow.

你可以慢慢來，

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

從一點點開始，但你要馬上行動。

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

再教你一招。

每個人都有衝動，

Many times, because the phone is always with us,

因為手機無所不在，

we start shopping.

所以我們隨時開始購物。

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

上某個網站、逛一圈， 把商品放進購物車。

Just don't hit buy.

但是先不要按下「購買」。

Wait 24 hours, go back and ask yourself,

等過了 24 小時再回頭自問，

"Do I really need it?

「我真的需要這個嗎？

What about these items map to my goal?"

這些東西符合我的目標嗎？」

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

如果沒有，就刪除， 你就調整成功。

[6: Be good to yourself.]

[ 六、對自己好 ]

It's also important to know

很重要的一點是

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

你的個人價值不是由 你的淨資產來決定。

This is something that we can do better about.

這一點我們可以做得更好。

You celebrate your wins.

慶祝自己成功。

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

做錯了不要批評、 不要覺得丟臉。

Just get back at it.

回頭再來一次就好。