如何處理與另一半的財務(wù)問題？

如何處理與另一半的財務(wù)問題？

YOU AND YOUR significant other share all sorts of wonderful things, including love, family and intimacy. But that means you also get to share the not-so-romantic things, including debt, budgets and financial challenges.

你和你的另一半分享所有美好的事情，包括愛、家庭和親密。但這意味著你也可以分享一些不那么浪漫的事情，包括債務(wù)、預(yù)算和財務(wù)挑戰(zhàn)。

Managing your money and relationship is a real challenge. And while it's not typically fun or sexy to talk about investments or student loans, getting on the same financial page can be crucial to maintaining a healthy, long-lasting relationship. This can be true whether you're managing money and marriage or a long-term partnership.

管理你的金錢和人際關(guān)系是一個真正的挑戰(zhàn)。雖然談?wù)撏顿Y或?qū)W生貸款通常并不有趣，但在財務(wù)上保持一致對維持健康、持久的關(guān)系至關(guān)重要。無論你是在理財、經(jīng)營婚姻還是經(jīng)營長期的伙伴關(guān)系，這都是正確的。

Know These Tips When Managing Money and Relationships

在管理金錢和人際關(guān)系時，要知道這些技巧

Learn your partner's money habits. The best time to become familiar with how your partner handles money is early in the relationship. When you first start dating, " You may pick up clues in the way he talks about his upbringing or his career goals. When the relationship gets more serious, you may want to glean more detailed information on your beau's financial state, including debts, savings, retirement plans, financial goals and credit interest rates.”says Erin Lowry, author of "Broke Millennial Takes On Investing.

學(xué)習(xí)伴侶的理財習(xí)慣。了解伴侶如何理財?shù)淖罴褧r機(jī)是在戀愛初期。《破產(chǎn)的千禧一代開始投資》一書的作者艾琳·勞里說，當(dāng)你第一次約會時，你可以從他談?wù)撍某砷L或職業(yè)目標(biāo)的方式中找到線索。當(dāng)你們的關(guān)系變得更加認(rèn)真時，你可能想收集更多關(guān)于你男友的財務(wù)狀況的詳細(xì)信息，包括債務(wù)、儲蓄、退休計劃、財務(wù)目標(biāo)和信貸利率。

Get on the same page about goals. One less intimidating way to bring up money and get a sense of your partner's financial mindset is to talk about long-term goals. Does your honey plan to travel the world one day? Retire early? Move abroad? Change careers? Discussing these future fantasies can be a fun way , including the steps necessary to change your financial trajectory.

就目標(biāo)達(dá)成一致。一個不那么嚇人的方法就是談?wù)撻L期目標(biāo)，這樣你就能了解對方的財務(wù)狀況。你的愛人計劃有一天環(huán)游世界嗎?提前退休嗎?出國嗎?改變你的職業(yè)嗎?討論這些未來的幻想可能是一個有趣的方式，包括必要的步驟來改變你的財務(wù)軌跡。

Find a referee. If you're constantly fighting about the money, it may be time to find a financial referee, such as a financial advisor, financial therapist or counselor. This person can weigh in on arguments and help you draft up workable solutions. "Finding a (certified financial planner) who can play referee and sometimes counselor is a great starting point," Shah says.

找一個裁判。如果你一直在為錢而爭吵，也許是時候找個理財顧問了，比如理財顧問、理財治療師或咨詢師。這個人可以參與討論，幫助你起草可行的解決方案。沙阿說:“找一個(注冊理財規(guī)劃師)，他既能當(dāng)裁判，有時還能當(dāng)顧問，這是一個很好的起點。”

Avoid Common Relationship and Money Mistakes

避免常見的人際關(guān)系和金錢錯誤

Everyone makes mistakes, but avoid these common pitfalls when handling your relationship and money.

每個人都會犯錯，但是在處理你們的關(guān)系和金錢時要避免這些常見的陷阱。

Forgetting to update important information. Whether this is your first marriage or fourth, don't neglect to update your estate-planning documents, such as your will, and make sure to update the beneficiary designations on your retirement and insurance accounts. You want to make sure your spouse will be taken care of if you die before he or she does, and that any ex-spouse is removed from important documents.

忘記更新重要信息。無論這是你的第一次婚姻還是第四次婚姻，都不要忘記更新你的遺產(chǎn)規(guī)劃文件，比如你的遺囑，并確保更新你退休和保險賬戶上的受益人名單。如果你的配偶在你去世之前就去世了，你希望確保他/她能得到照顧，并且任何前任配偶都不能出現(xiàn)在重要文件中。

Find the source of the miscommunication . If money arguments are coming up in the bedroom, at the breakfast table or during vacation, it's time to diagnose the source of the miscommunication and start working toward a long-term solution. Is your partner's overspending bothering you? Are you frustrated with the way he handles money? "Don't just get mad about the problem, but come up with a way you think you can provide a solution," Lowry says. Regular money meetings, either on your own or with a financial referee, are a good way to get any concerns off your chest and take a fresh look at your financial accounts and goals.

找出誤會根源。如果在臥室、早餐桌上或度假時出現(xiàn)了關(guān)于錢的爭吵，那么是時候診斷出誤會的根源，并開始尋找一個長期的解決方案了。你的伴侶過度消費困擾你嗎?你對他處理金錢的方式感到沮喪嗎?洛瑞說:“不要只是對問題感到憤怒，而是要想出一個你認(rèn)為可以提供解決方案的方法。”無論是你自己的還是與財務(wù)顧問，定期的理財會議是一個消除你心中的擔(dān)憂，重新審視你的財務(wù)賬目和目標(biāo)的很好的方法。