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The idea that one-size-fits-all for money advice is just terrible.
“一刀切”的理财建议实在是太可怕了。
We all have different personalities.
我们每个人都有不同的个性。
We know this intuitively, and we all have different values.
我们本能地就知道这一点，每个人都有不同的价值观。
Not everybody wants or needs to own a home.
并不是每个人都想或需要拥有一套房子。
Not everybody wants or needs to have children.
并不是每个人都想要或需要孩子。
Everyone has different attitudes and hangups about money.
每个人对金钱都有不同的态度和顾虑。
So how do we get to know our money personalities?
那么，我们如何了解自己的金钱个性呢？
To me, you gotta dive into your psychology.
我觉得，你必须要认真研究自己的心理。
You have to understand why you think the way you think around money, and how that's manifesting in your life, in order to change it.
你必须明白你为什么会对金钱有那样的想法，以及它在你的生活中有哪些表现，只有这样才能改变它。
We are diverse in so many ways.
我们在很多方面都是多样化的。
So therefore, when we think about financial advice, it should also be unique for the person, for their background, for who they are.
所以，在提到财务建议时，也应该根据每个人、他们的背景以及他们是谁，来给出独一无二的建议。
Everything else in our lives is customized to our preferences.
我们生活中的其他一切都是根据喜好定制的。
Why shouldn't our financial advice be?
那财务建议又有什么道理不定制呢？
This is "Your Brain On Money."
这里是"Your Brain On Money"。
Meet neuroscientists Dr. Joseph Kable and Dr. Moran Cerf.
认识一下神经科学家约瑟夫·凯布尔博士和莫兰·瑟夫博士。
They're here to explain how much of our personalities are actually built into the structures of our brains.
他们将向我们解释我们的个性中有多大比例是构筑在大脑结构中的。
We can see structural differences in the brain, specifically in the areas of the valuation circuitry of the brain, the areas of the brain that are important for decision-making, as well as functional differences in terms of how those areas of the brain are connected.
大脑内部存在结构差异，尤其是大脑的评估电路区域、决策区域，而且这些区域之间的连接也存在功能差异。
If you go in and get an MRI, that MRI of your brain, you know, contains some information about whether you are more likely or less likely to be a risk-taker.
如果给你的大脑做一个核磁共振，成像结果会包含一些信息，能说明你是否可能是一个冒险者。
How much of our personality are we born with, and how much develops over time?
我们的个性中有多少是与生俱来的，又有多少是随着时间的推移而逐渐形成的？
The kind of, really a little hand-wavey answer that scientists landed on, is that about 50% of our personality is DNA.
科学家们得到的答案是，大约50%的人的性格是由DNA决定的。
You're born, and we can look at your DNA as a baby and predict that you're gonna be an extrovert, or predict that you're gonna be neurotic.
出生的时候，我们就可以根据你婴儿时期的DNA，预测你是个外向的人，或者你会变得神经质。
And then of the other 50%, about half, so 25% of the whole, is determined by your parents and your childhood experiences, and the other 25% by your peers.
在剩下的50%中，大约有一半，也就是25%，由你的父母和你的童年经历决定，另外25%由你的同龄人决定。
This is Dr. Klontz. He's here to explain how our personalities manifest in the way we deal with money.
这是克朗茨博士。他将向我们解释我们的个性在我们处理金钱的方式中有何表现。
After studying tens of thousands of people, we've identified four patterns of beliefs around money that people manifest: The first is money avoidance.
在研究了数以万计的人之后，我们发现了人们对金钱的四种信念模式：第一种是逃避金钱。
This is where we have a negative association with money.
也就是我们与金钱之间有着负面关系。
Now, no surprise, if you have a negative association with money that is strongly held, it is gonna have a negative impact on your financial outcomes.
毫不奇怪的是，如果你与金钱之间的负面关系非常强烈，它就会对你的财务结果产生负面影响。
The second is what we call money worship.
第二种是我们所说的拜金主义。
This is the opposite— this is where you're putting money on a pedestal.
这种观念恰恰相反--他们会把钱供起来。
"More money's gonna make me happier, it's gonna solve all my problems."
“更多的钱会让我更快乐，它会解决我所有的问题。”
The third is what we call money status.
第三种就是我们所说的金钱状况。
This is the 'Keeping up with the Joneses effect,' where we equate our self-worth with our net worth.
也就是“赶上琼斯家效应”，我们会把自我价值等同于净资产。
The fourth is what we call money vigilance.
第四种是我们所说的金钱警惕。
This is the money personality of the wealthy and the self-made wealthy and the ultra-wealthy.
这是富人、白手起家的富人和超级富豪的金钱个性。
Interestingly, there is a downplaying of how much money they have.
有趣的是，人们会淡化他们所拥有的财富。
For all of these money personalities, there are elements of truth in all of them, and there's elements of dysfunction.
在所有的金钱个性中，都有真实存在的元素，也有功能失调的元素。
This is Dr. James, a financial therapist, and he's seen how these money archetypes can impact our behavior.
这是詹姆斯博士，一位金融治疗师，他看到了这些金钱原型对我们行为的影响。
There's some people who, maybe they're impulsive— they're someone who wants to do something, and that impulsivity can have good options and good times, but maybe that also makes them buy things or try things or start a new business without maybe fully looking into everything.
有些人可能比较冲动，他们想做某件事，这种冲动有时候会带来良好的选择和愉快的时光，但还有些时候，冲动会让他们在没有考虑周全的情况下就购买、尝试某物，或者创业。
If you're really money vigilant, you're afraid to do that and spend money.
如果你真的对金钱比较警惕，就不敢这么做和花钱。
It's important to be vigilant, honoring that part in you, saving and investing, but, what's the point of all that if you're still living a life of deprivation?
保持警惕、尊重你内心的那一部分、储蓄和投资是很重要的，但是，如果你一直生活窘迫，那这一切又有什么意义呢？
You don't deserve that. Nobody deserves that.
你不应该这样，谁都不应该这样。
Trying to find balance around all of these beliefs is very, very important for not just our mental health, but for our financial health.
要在这些金钱信念中找到平衡，这对我们的心理健康和财务健康都很重要。
Or maybe someone who's a little bit more risk-tolerant.
或者还有些人对风险容忍度会高一点。
They don't like to take on risk, so maybe they're more of a saver, or maybe they're someone who is not gonna invest in the thing right away, they wanna see it proven.
他们不喜欢承担风险，所以他们更喜欢存钱，或者他们不会立即投资某件事，而是要先看到它已被证明可行。
So, I think there are ways that those things become part of our internal narrative of how we think about money, how we think about chance or risk or opportunities.
所以，我觉得这些东西会内化为我们的一部分，塑造我们看待金钱、看待机会、风险或机遇的方式。
And if we are aware of that, we can make better decisions for ourselves.
如果我们能意识到这一点，就可以为自己做出更好的决定。
As a financial therapist, Lindsay helps her clients understand themselves so they can understand their relationship with money.
作为一名金融治疗师，Lindsay帮助她的客户了解自己，从而理解他们与金钱的关系。
Personal finance is named such for a reason.
个人理财之所以被这样命名是有原因的。
Personal finance is personal, but the financial literacy industry has really said, "Actually, you're not that special.
个人理财是个人化的，但金融知识行业却说：“事实上，你并没有那么特别。
We all need to do this one thing."
我们都需要做这一件事。
And we just know that that does not work.
而我们知道这样是行不通的。
I think really good financial planners, they actually give personality tests to really check to see who you are, to see where you are on how you handle risk.
我认为真正优秀的财务规划师，会给你进行个性测试，了解你是谁，看看你对风险的应对方式。
And from there, they tailor their advice or the information they share with you.
根据测试结果，他们会为你定制理财建议或分享给你的信息。
The more you know yourself— knowing your personality and even knowing your money personality— can shape your decisions.
你对自己了解得越多--了解你的个性，甚至了解你的理财个性--就能塑造你的决定。
So make that investment.
所以，在这方面投入吧。
Learn, grow, reflect, and it could actually change whatever decision you wanna make financially in the future.
学习、成长、反思，它实际上可以改变你未来想要做出的任何财务决定。
If I were to kind of go back and analyze myself, I would rather not think about money.
如果要让我倒回去分析一下自己，我宁愿不去想钱。
When I was struggling financially, I was forced, rather, to face the music and deal with my financial situation.
当我的财务状况很糟糕时，我被迫直面后果，去处理我的财务状况。
I'm a huge fan of automating.
我非常崇尚自动化。
I am automating paying my bills, I am automating saving money in my different savings accounts, and I am automating putting money into an investment account for my retirement, because if it was up to me to manually move money every now and then, there's just no way I would do it, or I would do it far less frequently than I should.
我在自动支付账单，自动往不同的储蓄账户中存钱，自动将钱存入我的退休投资账户，如果这些事情都需要我手动转账，我可能就做不到了，或者会比应做的频率低很多。
This is the other thing, we all think we need to learn more about money— and we might— but most of us kind of know what to do.
这是另一回事了，我们都自认为需要更多地了解金钱--我们可能也确实会这么做--但大多数人都知道该做什么。
So what are the tasks that you're putting off, and what are the feelings that are getting in the way of doing that task?
那么，你把什么任务推迟了呢？是什么感觉阻碍了你完成这项任务？
Start there.
从那里开始解决问题。
