理財的三大心理误区(精选).docVIP

理财的三大心理误区 Three Big Money Mistakes You Could Be Making Right Now Do you have chronic money problems? Spend too much? Give too much to your good-for-nothing kids? Keep putting off writing or updating your will? 理财方面，你有没有某种“痼疾”呢？花钱太多？给啥也不会干的孩子太多钱？一直磨磨蹭蹭，不愿写（或更新）遗嘱？ Maybe its all in your head. Really. 也许这些问题全都源于你的大脑。真的。 Financial advisers and therapists have identified a number of psychologically-based mistakes people make with their money. 理财顾问和治疗师已经发现了许多基于心理的理财误区。 How you feel is how you deal…with money, that is, says New York psychotherapist Karol Ward, whose six-figure clients help other people make money but find it difficult to hold on to their own. 纽约的心理治疗师卡罗尔?沃德(Karol Ward)表示：“你的心理会决定你怎样对待……金钱。”沃德的客户中有一些是年薪达六位数的人，他们帮助其他人赚钱，却发现很难管好自己的钱。 Here are a few of the most common psychological problems people have with their finances─and what you can do about them: 以下是人们在理财方面最常遇到几个心理问题──我们还将谈到如何克服这些问题： 1. Overspending 1. 乱花钱 Ms. Ward worked with a young woman who wanted a relationship but had deep pain from her childhood around trusting others. Most of the womans evenings after work were spent wandering through stores shopping for clothes she didnt need, recalls Ms. Ward. 沃德曾为一位年轻女士做过咨询，这位女士想建立恋爱关系，但童年时遭受的“深切伤痛”导致她无法信任别人。沃德回忆道，这位女士晚上下班后大都在逛商店，购买她并不需要的衣服。 When she came to see Ms. Ward, she wanted to get out of debt and manage her money. During therapy she uncovered the connection between her fear and loneliness and the overspending. 当她来找沃德咨询时，她想摆脱债务，把她的钱管理好。在治疗中，她发现了自己的恐惧和孤单与乱花钱之间的联系。 Overspending usually is related to the management of emotional pain, distorted beliefs about what people feel they deserve and a disconnection between the impulse to buy and the actual results of the purchase, says Ms. Ward. 沃德说，乱花钱通常与伤痛情绪管理不当、对自己应有生活方式认识扭曲以及购物冲动和购物实际结果错位等因素有关。 Many overspenders dont need what they buy─they just feel they have to buy it, she says. 她说：“许多乱花钱的人并不需要他们购买的东西──他们只是觉得非买不可。” Financial planner Timothy McGrath has seen many clients overspend because they want to live