和你老公為了錢吵架?去看金融治療師

和你老公為了錢吵架?去看金融治療師

These new specialists, who are the subject of a study published this month in the journal Contemporary Family Therapy, do double-duty as experts in family issues and financial planning.

這些新的專家是本月發(fā)表在《當(dāng)代家庭治療》(Contemporary Family Therapy)雜志上的一項(xiàng)研究的主題，他們既是家庭問題專家，又是理財(cái)專家。

For the study, researchers observed how six couples, aged 21 to 76, fared when they talked about their money woes with financial therapists. And — as you might guess if you’ve ever fought with a partner about credit-card splurges or cab fare home — the 30- to 50-minute sessions got pretty emotional.

在這項(xiàng)研究中，研究人員觀察了6對(duì)年齡在21歲至76歲之間的夫婦，當(dāng)他們與理財(cái)顧問談?wù)撟约旱呢?cái)務(wù)困境時(shí)，他們的表現(xiàn)如何。而且——如果你曾經(jīng)因?yàn)樾庞每〒]霍或打車回家的費(fèi)用與伴侶爭(zhēng)吵過(guò)，你可能會(huì)猜到——30到50分鐘的爭(zhēng)論變得相當(dāng)情緒化。

“One woman was close to tears listening to her husband explain an early memory in their relationship about money that she didn’t understand at the time,” says financial planner John Grable, a founding member of the Financial Therapy Association, in a press release.

金融治療協(xié)會(huì)的創(chuàng)始人之一、理財(cái)規(guī)劃師約翰•格拉布爾在一份新聞稿中表示:“一位女士在聽丈夫解釋他們之間關(guān)于金錢的早期記憶時(shí)，眼淚都快掉下來(lái)了。”

“The story helped explain his odd behavior that she always thought of as just being mean. They left clearly closer emotionally and financially feeling more powerful.”

“這個(gè)故事有助于解釋他的古怪行為，她一直認(rèn)為這是卑鄙的。他們?cè)诟星樯虾徒?jīng)濟(jì)上走得越近，感覺就越強(qiáng)大。”

The study’s lead author, University of Georgia couples and financial therapist Megan Ford, says finances are the “No. 1” thing couples fight about — which is why it’s strange that money and relationships aren’t researched more.

該研究的主要作者、佐治亞大學(xué)的夫妻和金融治療師梅根·福特說(shuō)，財(cái)務(wù)狀況是夫妻吵架“第一位”——這就是為什么金錢和關(guān)系沒有得到更多研究的原因。

“We know it and believe it,” Ford says, “but there is not a huge body of literature on the topic.”

“我們知道并相信它，”福特說(shuō)，“但關(guān)于這個(gè)主題的文獻(xiàn)還不多。”

There also aren’t a lot of financial therapists. Study researchers found that, while there are more than 80,000 certified financial planners and 50,000 family therapists in the United States, there are only 50 certified financial therapists in the entire country.

事實(shí)上也沒有足夠的金融治療師。研究人員發(fā)現(xiàn)，盡管美國(guó)有8萬(wàn)多名注冊(cè)理財(cái)規(guī)劃師和5萬(wàn)名家庭治療師，但全國(guó)只有50名注冊(cè)理財(cái)治療師。

“Therapists need to work together to solve problems that occur around financial behaviors of couples and learn how to connect to all of their emotions,” says Ford.

“治療師需要一起工作來(lái)解決夫妻財(cái)務(wù)行為方面出現(xiàn)的問題，并學(xué)習(xí)如何與他們所有的情感相聯(lián)系。”福特說(shuō)。

Of course, all of this is assuming that Americans can afford a financial therapist to begin with, what with college grads struggling with permanent-feeling student debt and Americans struggling to take vacations and put presents under the tree.

當(dāng)然，所有這些都是在假設(shè)美國(guó)人一開始就能請(qǐng)得起金融治療師的情況下發(fā)生的，比如大學(xué)畢業(yè)生一直在為學(xué)生債務(wù)而苦苦掙扎，美國(guó)人很難去度假，也很難把禮物放在圣誕樹下。