【理财英文】四大思维方式让你无法富有今天分享的是理财英文

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今天分享的是理财英文，主题是：四大思维方式让你无法富有-4 Ways Your Brain Is Keeping You From Getting Rich，文章作者Melanie Lockert，中文为本公号创建人浦亮元翻译，正文2044字，如觉得不错，欢迎分享给你的朋友们！如对译文有不同的理解，欢迎联系微信号puliuangyuan，期待你的建议，谢谢！

Content:

Have you ever wondered why you’re not rich yet? Maybe you’re perplexed on why you can’t seem to save more or get your spending under control, despite your best efforts. In theory, managing your money should be simple: spend less, earn more. But as humans our brains are wired in a certain way based on our experiences and conditioning, and that wiring may be partly to blame for your money woes.

你有没有想过，为什么你还不富有？尽管你尽了最大的努力，也许你还会很困惑：为什么不能省下更多的钱财，或者控制开销。从理论上说，管理钱财应该是很简单的事情：多赚钱，少花钱。作为人类，我们的大脑是以经验和条件为基础进行连接的，而大脑的思维方式可能会对资金不足有贡献。

1.You Have a Scarcity Mindset

匮乏的心态

If you constantly feel like you never have enough money, you may be suffering from a ‘scarcity mindset’.

如果你持续地感觉自己从来没有足够的钱财，你可能受到“紧缺心态”的匮乏。

According Psychology Today, “A scarcity mindset narrows our time frame, causing us to make impulsive, short-term decisions that increase our difficulties in the long-term, like putting off paying credit card bills or not opening bills, hoping they will magically disappear.”

根据《当代心理学》，“匮乏心态，缩小了我们的时间范围，导致我们做出冲动的、短期的决定，而长期上是增加了困难，比如，推迟支付信用卡的账单，或不开账单，希望这些们能奇迹般地消失。”

Having a scarcity mindset can lead to a feeling of deprivation that can lead to poor judgement. For example, you can overspend to try and fill the void of not having enough. Conversely, it could also lead to extreme penny pinching — and the inability to enjoy life — because you feel like there will never be enough.

匮乏的思维，可能会产生一种被剥夺的感觉，进一步导致判断力的下降。例如，你可以过度尝试并填补资金的匮乏。相反，这也可能会导致极端的小气，无法享受生活，因为你觉得永远不够。

You may not get over your scarcity mindset over night, but you can work towards getting over it by writing all the things you do have in your life right now. Focus on what you do have, not what you don’t.

你不可能在一夜之间就可以克服匮乏心态，但你可以努力通过写你目前生活中所做的一切来克服它。聚焦你所拥有的，而不是你所没有的。

2.You’re Not Aware of Your Spending Triggers

没有意识到消费诱因

Our relationship to money and spending can be deeply personal.

我们与金钱及支出的关系，可能是非常个性化的。

We may all have our own beliefs about money, but all of us have psychological ‘spending triggers’. Spending triggers are places, environments, or emotions that can trigger you to spend more than you normally would. For example, if you have a spending problem and walk by your favorite store, you might be triggered to spend.

我们可能都会有自己的金钱观，但我们在心理上都会有“消费诱因”。支出的消费诱因，是一些能够触发你比平常消费更多的地点，环境，或情绪。例如，如果你有开销问题，在路过最喜欢的商店，可能你就会被诱导去消费。

And if you’re tired or sad, you might find yourself shopping online.

如果疲倦或悲伤，你可能会发现自己在网上购物。

The key is to recognize your spending triggers. What situations or emotions tend to trigger a spending spree? Write down your spending triggers and modify your behavior so that you can try to avoid those landmines that can lead to increased spending.

关键点是要能够意识到消费诱因。在什么情况，或什么情绪下，会引发花钱如流水的情况？写下你的消费诱因，改变你自己的行为，这样，你就可以试着去避免那些可能会导致支出增加的所谓“地雷”。

3.The Status Quo Bias Is Keeping You Stagnant

对现状的偏见，让你停滞不前

As we grow older, we tend to get pretty comfortable with our surroundings and how we do things. Unfortunately, this may not be so great for our financial lives.

随着年龄的增长，我们往往会对周围的环境和自己的做事方式感到非常惬意。不幸的是，这可能对我们的财务状况并没有什么用处。

In order to improve your financial life, you need to change aspects of your current lifestyle. Whether you’re paying off debt or trying to save for retirement, reaching your financial goals means making some serious shifts in behavior — and that’s something most people aren’t willing to do, according to the status quo bias.

为了改善财务状况，需要改变你目前的生活方式的方方面面。无论偿还债务，还是为了退休存钱，财务目标，意味着，要在行为上做出一些重大的改变-根据现状的偏爱，这是绝大多数人所不乐意做的。

The status quo bias is a cognitive bias that states that most people prefer to stick with the familiar and prefer things to remain the same. However, if you’re trying to improve your finances, you can’t do things the way you’ve always done them. Getting out of debt or building wealth typically requires changing mindsets getting out of your comfort zone.

现状偏爱，是一种认知方面的偏差，其认为绝大多数人喜欢坚持熟悉的事物，并喜欢保持不变。但是，如果你想改善你的财务状况，你就不能像以前那样做事情。摆脱债务，或积累财富，往往需要在心态上改变，走出自己的舒适区。

And it also means recognizing how inertia is holding you back.

这也意味着，要认识到惰性是如何把你拉回到老路的。

To break the status quo, try doing things a little differently and recognize it will be a bit uncomfortable. That’s okay. Our greatest achievements tend to occur outside of our comfort zones.

打破现状，尝试做一些不同的事情，并认识到这样去做可能会不那么不舒服。这样还好！我们最大的成就，往往会出现在舒适区之外。

4.The Ostrich Effect Has You Keeping Your Head in the Sand

鸵鸟效应，让你的头留在沙子里

As humans, we generally seek out pleasure and try to avoid pain. When it comes to your finances, it’s no different. Researchers Dan Galai and Orly Sade found that investors tend to avoid negative information and avoid risky situations. They dubbed this behavior as the ‘Ostrich Effect’, the process of avoiding risky financial situations by burying your head in the sand and not acknowledging they exist.

作为人类，我们一般会寻求快乐，并试图去避免痛苦。谈到财务状况，也没什么不一样的地方。丹·佳莱和奥利·萨德，这两位研究人员发现，投资者倾向于去避免负面的信息和风险的状况。他们将这种行为称之为：“鸵鸟效应”，即通过把你的头埋在沙子里，而不去承认存在的有风险的财务状况的过程。

Though their study was based on investors, it’s easy to see how this can relate to other areas of finance.

尽管丹·佳莱和奥利·萨德的研究是基于投资者的，但很容易看出这如何与其他金融领域有一定的关系。

Perhaps you’re avoiding that credit card bill or put off logging into your checking account because it’s too depressing.

也许你正在逃避信用卡账单，或者推迟登录支票帐户，因为这会让你变得非常压抑。

In order to combat the Ostrich Effect, it’s important to face your money troubles head on. Avoidance can only lead to more troubles down the line, so take action with your finances and acknowledge that it may be tough or painful — but will lead to better financial management.

为了对抗“鸵鸟效应”，直面资金问题是很重要的。回避，只能导致更多的麻烦，因此，用财务与知识去采取行动，这可能会很艰难或很痛苦，但却会能够让财务管理水平变得更好。

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