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Things that people are more comfortable talking about than money: sex, war, trauma, religion, politics— it's literally anything.
比起金钱，人们更愿意谈论的话题是：性、战争、创伤、宗教、政治--什么都行。
What makes money such a taboo topic?
是什么让金钱成为一个如此禁忌的话题？
It's a combination of being judged by society, not having a roadmap, and then, certainly, our primitive brains thinking that we need to protect ourselves and stay silent to survive.
它会让我们受到社会的评判，没有手册，当然，我们原始的大脑会认为我们需要保护自己，只有保持沉默才能存活。
Certain kinds of decisions that involve taboos or sacred values— there's evidence that actually a different part of the brain is coming online.
某些涉及禁忌或神圣价值观的决定--有证据表明，实际上是大脑的另一个部分在负责。
There are a lot of conversations about making money, but very few, or limited conversations that are intimate about how to manage it, or how to even think about a financial decision.
有很多关于赚钱的对话，但关于如何管理金钱、或者是如何考虑财务决策的对话却寥寥无几。
It is quite literally something that touches every aspect of our lives, and if we don't learn, not just how to manage it, but also how we feel about it, it can have these ripple effects on our lives in the future.
它确实触及了我们生活的方方面面，如果我们不学习如何管理金钱，也不关注我们对金钱的感受，它就可能会对我们未来的生活产生连锁反应。
Money taboos can have serious financial impacts.
金钱禁忌可能会产生严重的财务影响。
The good news— the part of our brain where taboos live is not in charge— you are.
好消息是，禁忌的存在并不是由大脑决定的--而是你。
This is "Your Brain on Money."
这就是“你对金钱的看法。”
This is Kathleen. She knew at an early age that she had an interest in finance.
这位是凯瑟琳。她在很小的时候就知道自己对金融感兴趣。
When I was a little girl, probably five or six, my favorite toy was a cash register.
我小时候，大概五六岁，最喜欢的玩具是收银机。
And I just loved hitting the buttons and hearing the 'kachings!' and I loved coins.
我特别喜欢按下按钮，听它发出‘咔嗒’声！而且我喜欢硬币。
Now, as a wealth psychology expert, she's seen the effect money taboos have had on her clients from every walk of life.
现在，作为一名财富心理专家，她看到了金钱禁忌对各行各业的客户产生的影响。
So the money talk taboo is there, and it's strong.
谈论金钱的禁忌是存在的，而且很强烈。
It has to do with the fact that we have grown up in a society that historically has not been open and honest about money.
这是因为我们的社会历史对金钱并没有秉持开放和诚实的态度。
It's because families don't know how to talk about money, and don't have a roadmap for teaching us about saving, spending, investing— and that silence is kind of passed down through generation.
因为家庭并不知道如何谈论金钱，也没有教我们如何储蓄、消费和投资的手册--于是这种沉默也就代代相传了下来。
So how does the brain perpetuate the taboo around money?
那么，大脑是如何延续对金钱的禁忌的呢？
Our two neuroscientists, Dr. Joseph Kable and Dr. Moran Cerf, are going to show us what's happening inside our head.
我们的两位神经学家，约瑟夫·凯布尔博士和莫兰·瑟夫博士，将向我们展示大脑内部发生了什么。
Our ancestors, back in the days, when they lived in small groups everyone had the benefit of the tribe, and it worked for them not to stand out.
当我们的祖先还是以小群体而居的时候，每个人都能得到部落的好处，对他们来说不出头是有效的。
Our brain still has this kind of view: an ideal world is one where everyone has the same, and we all share resources, but money became a very easy tool to quantify people's position in a system.
现在我们的大脑仍然有这样的观点：在理想的世界中，人人拥有的东西都是一样的，我们都会共享资源，但金钱却是一种能轻松量化人们在体系中的地位的工具。
We result to not revealing that too much because it might end up showing us that we're not as high on the totem pole as we thought we were.
于是我们便对这个信息保持缄默，否则它可能会暴露我们在社会体系中的地位并不如想象中的那么高。
So we're torn in a situation where our brain still thinks one way, but we accept the normal society that is different.
因此，我们陷入了这样一种境地：我们大脑的思考方式没有改变，但却接受了不同的正常社会。
In that sense, we're in a constant battle.
从这个意义上说，我们处于一场持续的斗争中。
What's interesting about the way our brain resolves this conflict, is that it thinks about taboos differently for most other decisions.
有趣的是，我们的大脑在解决这种冲突时，会以与大多数其他决定不同的方式去思考禁忌。
In the world of decision-making, we're engaging this valuation circuitry; we're weighing costs and benefits.
在决策领域，我们使用的是这种估值电路；用来权衡成本和收益。
But with taboos, it's different.
但有了禁忌，情况就不同了。
Decisions that involve taboos, we've been able to identify with neuroimaging, a different part of the brain is coming online, the so-called 'executive brain.'
我们已经可以用神经成像鉴别出涉及禁忌的决定是不一样的，它是大脑的另一个部分在工作，即所谓的“执行大脑”。
That's the part of the brain that enacts rules.
这是大脑制定规则的部分。
These decisions are, you know, cut and dry.
这些决定是千篇一律的。
Nothing to weigh in terms of costs and benefits.
在成本和收益方面没有什么可衡量的。
The good news is the executive part of our brain is flexible, so even our deepest taboos can change very quickly.
好消息是，我们大脑的执行部分是灵活的，所以即便是最根深蒂固的禁忌也可以快速改变。
Mask-wearing was not a social norm, and then 'bam!' in the course of a month, we all decided, you know, to reorient our behavior.
戴口罩并不是一种社会规范，然后突然间，在一个月的时间里，我们都决定要改变自己的行为。
So if that part of the brain is flexible, what makes money such a taboo still?
那么，如果大脑的这一部分是灵活的，是什么让金钱仍然是一个禁忌呢？
So many people, no matter what their socioeconomic status is, have a sense that everybody else is doing this thing called money better, and that somehow they're messing it up.
无论他们的社会经济地位如何，许多人都有一种感觉，认为其他人在金钱方面都做的很好，而自己却弄的一塌糊涂。
And if we're able to break that money silence and talk and share, what we find is 'Oh wait a second, nobody's perfect with money.'
如果我们能够打破关于金钱的沉默，开始交谈和分享，就会发现‘哦，等一下，没有人在金钱方面能做到完美’。
So, when we become more compassionate with ourselves, and more understanding of our relationship with money, that shame would go away, and I really do believe we would be a healthier society and healthier individuals.
所以，当我们对自己变得更有同情心，更多地理解我们与金钱的关系时，这种羞耻感就会消失，我相信这样我们便会成为一个更健康的社会和个人。
But, what I find is if you take small baby steps, and build up that muscle, and pick really good people to engage in money conversations to start, it ultimately breaks through the taboo, and you find out that talking about money— people think I'm crazy— but I think it's fun.
但是，我发现，如果你迈出一小步，并强化这种行为，挑选非常优秀的人开始谈论金钱，最终便会打破禁忌，你会发现谈论金钱，虽然人们以为我疯了，但我却觉得很有趣。
So what concrete steps can we take to break the money taboo?
那么，我们可以采取哪些具体步骤来打破金钱禁忌呢？
Meet Steven and Lindsay. Lindsay's from Michigan.
有请史蒂文和林赛。林赛来自密歇根。
So for those of you not from the Michigan area, we always hold up our hand and we say, "I'm from this part of Michigan."
对那些不是来自密歇根地区的人，我们总会举起手，说，“我来自密歇根的这个地区。”
So I'm from this part of Michigan.
所以我来自密歇根州的这个地区。
And Steven is a big music fan.
史蒂文是个超级音乐迷。
I am really specific about the lyrical rappers, which is why Ghostface Killah is still in my top five.
我对抒情说唱歌手非常专一，所以“鬼脸煞星”（Ghostface Killah）仍然在我的最爱前五之列。
And as financial therapists, they're going to explain how to break down the money taboo.
作为金融治疗师，他们将解释如何打破金钱禁忌。
Belonging has protected us from the dawn of time, and whether we like it or not, we do that a lot with our money.
从时光伊始，归属感就一直保护着我们，无论我们喜欢与否，很多时候我们都在用钱获得归属感。
We want to fit in, we want to belong.
我们想融入，我们想要归属感。
It's maybe buying something that we can't afford, or maybe taking a trip because we want to be with our friends, whereas what actually can really connect you more deeply to your community and to your friends, is being really truthful with them, and saying something like, "You know what that trip sounds awesome, but I can't commit to a full week.
它可能是买一些我们买不起的东西，或者是因为我们想和朋友们在一起而去旅行，而真正能让你与社区和朋友们更深入地联系在一起的，是你真诚地对待他们，说一些：“跟你说，那场旅行听起来很棒，但我不能腾出一整周的时间。
I'll meet up with you guys over the weekend."
我会在周末和你们见面。”
So being truthful and kind, and as transparent as you feel comfortable, actually the deeper those friendships and relationships become.
所以说，做到诚实、友善、让你不反感的透明，这些友谊和关系就会加深。
The biggest advantage of talking about money more freely is reducing stress, anxiety, and the mystery around money.
更自由地谈论金钱的最大好处是它可以减少压力、焦虑和围绕金钱的神秘感。
If you're someone who is uncomfortable about money, one of the first things you can do is investigate how you feel about money and financial decisions.
如果你是一个对金钱感到不安的人，你可以做的第一件事就是调查你对金钱和财务决策的感觉。
And using that as a journal prompt, or a way to explore with a friend or a family member will help you see why you're avoidant about talking about money.
将此作为日记提示，或者是与朋友或家人一起探索的一种方式，这可以帮助你明白为什么你会对金钱避而不谈。
More likely than not, you'll realize that someone has already experienced getting their bank account closed.
更有可能的是，你会发现，有人的银行账户已经被关闭过。
Or someone has already experienced how the process moves when buying a house.
或者有人已经体验过买房的过程。
Whether it is a family member, a friend, your partner, or anyone else that you're feeling comfortable bringing up the topic of money with, just know that money is something that's changing every day in our lives.
无论是你的家人、朋友、你的伴侣，还是其他任何你觉得愿意和你谈论金钱话题的人，只需要记住金钱是我们生活中每天都在变化的东西。
It's not one thing or one-size-fits-all for anybody.
它不是一成不变的，也不是对任何人都适用的。
So if you're the type of person who feels like, that you have nobody to talk to about money: here's the good news.
所以，如果你觉得你找不到可以谈论金钱的对象：好消息来了。
I've seen some amazing groups form online, and then actually take them offline.
我看到有很多很棒的小组在网上形成，然后将其带到了线下。
So I would encourage you, depending on where you like to hang out on the internet, to follow different forums or groups talking about different financial things, even how finances intersect with our mental health.
所以，我鼓励你，根据你喜欢冲浪的平台，关注不同的论坛或小组，谈论不同的财务问题，甚至财务与我们的心理健康有何关系。
But really, the essence of talking about money is talking about, "What are your emotions around money?
但实际上，谈论金钱的本质是在谈论，“你对金钱有什么情感？
What's important to you? What are your dreams, what are your hopes?"
什么对你来说很重要？你的梦想是什么，你的希望是什么？”
I mean those are all great conversations to have, and it all starts with engaging in a financial conversation.
这些对话都很棒，只需要参与到一场金融对话中就行。
So, let's break money silence.
那么，让我们打破金钱沉默吧。
