TED演讲：改善与金钱关系的6种方法

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控制我们的个人财务状况可能会让人感到不知所措，但这不是必须的。Thasunda Duckett分享了如何最大程度地减少对金钱的耻辱，并开始就如何储蓄进行诚实的对话。

演讲者：Thasunda Duckett

演讲题目：改善与金钱关系的6种方法

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When you think about money and your dreams and you're looking at your account, you're like, "My bank account does not align with my dreams."
当你考虑金钱和梦想两者的关系时，当你正在查看自己的帐户时，你就会觉得“我的账户余额与我的梦想不符”。 [The Way We Work] [我们的工作方式] Financial health for a typical American household can be stressful.一个典型的美国家庭的财务健康状况可能会令人压力很大。 We know that 46 percent of all Americans would struggle coming up with 400 dollars in the event of an emergency.我们知道，在紧急情况下，有46％的美国人会努力拿出400美元。 And 60 percent of all Americans will face that emergency within 12 months or less.60％的美国人将在12个月或更短的时间内面临紧急情况。 When you ask the question, "What does money mean to you," most people will say things like, "I feel anxious." And so the insecurities come. 当你问“钱对你意味着什么”这个问题时，大多数人都会说“我感到焦虑”。所以，不安全感就这样到来了。 The shame comes. I think we have a fraught relationship with money, because it comes with judgment.羞耻感也来了。我认为我们与金钱之间存在着令人困扰的关系，因为它带有批判性。 When you're not able to pay your bills on time, you can personalize that. I don't want anyone to think that I'm not smart.当你无法按时付款时，可以进行个性化设置。我不想让任何人认为我不聪明。 I don't want anyone to know that I am very insecure with money. I don't want anyone to know that I am super stressed out. So now let's change the narrative.我不想让任何人知道我对金钱充满了不安全感。我不想让任何人知道我压力很大。因此，现在让我们更改对钱的看法。 [6 lessons on how to improve our relationship with money][关于如何改善我们与金钱的关系的6课] [1: Talk about it.][1：说说吧。] You can't do it alone. And that's when your squad has to come in.你不能一个人做。做这件事时，你必须让你的小伙伴们加入进来。 It's taboo. We typically don't talk about our stresses when it comes to money.我知道这是禁忌。当涉及到金钱时，我们通常不会谈论自己的压力。 We need to come together as a group of friends, no judgment, no shame.我们需要一群朋友聚在一起，丢掉批判感，丢掉羞耻感。 Celebrate the fact that we've made a decision that we want to have a better relationship with money.庆祝我们已经决定要与金钱建立更好的关系这一事实。 That is worth applauding or snapping your fingers about.这值得你鼓掌或拍手叫好。 Once you've done that, then you get real. Nothing should be off-limits. Where does this relationship come from?完成此操作之后，你就会变得真实。没有什么是应该被禁止的。那么，这种关系从何而来呢？ Why am I spending all this money on things that don't align with my goals? What are your fears? What are your hopes? What are your dreams?想想为什么我要将这些钱都花在与目标不符的事情上？你有什么担心？你有什么希望？你的梦想是什么？ But then we start to take action. What can we do this week? Or what can we do this month?不过随后我们就应该开始采取行动。想想这星期我们能做什么？或者这个月我们能做什么？ [2: Understand what money is][2：了解什么是钱] Money is not the end-all be-all. It's the mechanism to accomplish whatever your goals are.钱不是一切事物的终极目标。它是实现你目标的机制而已。 It does not define you. It's just a mechanism to accomplish what matters to you most.它不能定义你。它只是一种完成对你而言最重要的事情的机制。 [3: Identify what matters to you ... ][3：钱确定对你来说很重要...] Ask yourself one fundamental question: what are you saving for?扪心自问一个基本问题：你储蓄是为了什么？ If you're saving for a car, if you're saving to pay down your debt, if you're saving for that rainy day fund, it will include short-term goals and it will include long-term goals.如果你存钱买车，如果你存钱还债，如果你存钱买未雨绸缪的基金，它将包括你的短期目标和长期目标。 [4: ... and then really picture it.][4：...然后真正地描绘它。] Visualize what you're really trying to accomplish. A vision board is visual representation of what you're saving for.想象一下你真正想要完成的事情。愿景板是你为之储蓄的视觉表现。 So if we break it down, go get a poster board. Get your markers, get your glitter.所以如果我们把它拆解开来，先去拿个海报板。拿上你的记号笔，拿上你的闪光笔。 Take magazine pictures, cut it all out. Have that picture of that great trip.拍些杂志照片，然后全部剪下来。拍下那次伟大旅行的照片。 Have the picture of you paying down your student debt. The vision board sounds like, "Oh, how can that really help?"然后把你还清学生债务的照片发给我。可能你们听到愿景板，就会想说：“哦，那真的有帮助吗？”  The point is your goals need to align with your behaviors, and the vision board is really a representation of where you wanna go and then how you live your life, and in the meantime are the steps to really get there.它的关键在于你的目标需要与行为保持一致，愿景板实际上代表了你想要去的地方以及生活方式，同时也是真正实现目标的步骤。 [5: It's not what you make, it's what you keep.][5：这不是你创造的东西，而是你保留的东西。] It's not about what you make, it's about what you keep. It's about understanding do I have the ability with what I'm making to take care of my basic needs?这不是在于你做了什么，而在于你保留了什么。这是关于理解我是否有能力做些什么来满足我的基本需求？ And if not, what adjustments do I need to make? And then we start to break it down and talk about the tools.如果没有，我需要做什么调整？然后我们开始分解它并讨论操作方式。 We start to say, "Do we have our savings account, auto-save?" Set it and forget it, or every day, put a dollar a day.我们开始说，“我们有储蓄账户吗，汽车储蓄？”把它放好，忘了它，或者每天存一点，一美元一天。 Whatever that rhythm is for you, the goal is the rhythm, not the amount.不管你的节奏是什么，目标是节奏，而不是数量。 You can start slow. You can start small, but you have to start now.你可以开始放慢脚步。你可以从小处开始，但必须立即开始。 And then let me give you a trick, we all have impulses. Many times, because the phone is always with us, we start shopping.然后让我给你一个小技巧，我们都有一种冲动。很多时候，因为手机一直在我们身边，所以我们经常会购物。 Go out to any site, shop up, put it in your cart. Just don't hit buy.你可以用任何一种方式购物，将看中的物品放入购物车。但是不要立即付款购买。 Wait 24 hours, go back and ask yourself, "Do I really need it? What about these items map to my goal?"等待24小时，然后回去问自己：“我真的需要吗？这些物品符合我的目标吗？” And if it's nothing, hit delete and you got your fix.如果你没有答案，请点击删除，然后你将得到答案。 [6: Be good to yourself.][6：对自己好一点。] It's also important to know that your self-worth is not determined by your net worth. This is something that we can do better about.同样重要的是要知道你的自我价值不是由你的净资产决定的。这是我们可以做的更好的事情。 You celebrate your wins. And when you make that misstep, no judgment, no shame. Just get back at it.你要对自己好一点。即使偶尔你犯了错，不需要批判，也不要感到羞耻。想想刚刚我们说的这些吧。

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