Tammy Lally: Let's get honest about our money problems
譚美拉里: 誠實面對自己的金錢問題
Double-click the English transcript below to play the video.
your family's rules?
40th birthday, he called.
四十歲生日的那一天打電話來。
he needed quick cash,
so beaten down and shameful,
潦倒、羞恥的聲音,
that we would all ask,
基本問題之後,
but under one condition:
professional in the family,
at the local Starbucks,
當地的星巴克裡見面,
with the tough-love budget conversation.
「嚴苛的愛」生活費。
downsize to something you can afford,
換到小一點但能負擔的房子,
to keep up with the Joneses.
和別人比較而做的虛飾。
went into a fearsome blame game,
就開始了可怕的怪罪比賽,
and pissed-off sister.
這兩個身分之間遊走。
and felt ganged-up on.
覺得大家都聯手對付他。
with my tough-love budget conversation.
嚴苛的愛生活費談話來羞辱他。
I went looking for answers,
of overdue credit card bills
過期的信用卡帳單,
on the day that he died.
在他過世的那天交給他。
his beautiful 10-year-old daughter,
weeks before his high school graduation,
幾週後就要高中畢業,
in our family's money-shame cycle,
「金錢羞恥」循環中,
40 到 64 歲的成人
取消的狀況,
40 percent of the deaths,
accounting for seven out of 10 suicides.
就有七個是中年白人,
and self-defeating financial behaviors
by our rational, logical minds.
of our subconscious belief systems
our entire adult lives,
處理金錢的方式,
that you're lazy,
或就是不擅長處理錢。
a well-known shame researcher,
是一位著名的羞恥研究者,
painful feeling or experience
of love and belonging."
here's how I'm defining money shame:
我把金錢羞恥定義如下:
feeling or experience
of love and belonging,
我們的房子、我們的車子,
of examples of what I mean.
10,000 dollars a year or 10 million,
一萬美金或一千萬美金,
all of our power.
所有的權力都交給金錢。
if someone that you love, or you,
有金錢羞恥的話,
always picking up the check,
總是要當付錢的人,
of chronic not-enoughness.
都不覺得足夠的狀態。
really only can afford a Honda.
其實只負擔得起本田汽車。
讓自己看起來很棒。
from the grips of money shame,
金錢羞恥的掌心,
the Recession hit.
發生經濟衰退,
thinking I did something wrong,
認為是我做錯了什麼事,
What happened?"
發生了什麼事?」
I went outside and smiled.
走到外面對大家微笑。
was let go of the grip that I had
什麼都知道的人,
that a new financial plan
in my life, for me,
that we're suffering with money issues,
numbing out our pain.
我們得要停止去麻木我們的痛苦。
and your money history,
in order to be free.
happens through surrender,
of not forgiving.
completely forgiven your past,
完全寬恕你的過去,
to forgive ourselves and others
我們自己以及他人,
will continue to repeat.
and I know we all want one,
我知道我們都希望快速解決,
跟著你的錢走。
right away what you value.
你重視的是什麼。
Do I really value all this stuff?
我真的重視所有這些東西嗎?
what you're feeling when you're spending.
當你花錢時的感受是什麼。
that needs to happen.
money beliefs to begin with?
這些金錢信念的?
the first step I take with my clients.
我帶客戶所做的第一步如下。
childhood money memory.
最早的金錢相關記憶。
還是很困惑?
or did you run to the bank?
your parents do with the money?
into the money belief
to our net worth
等同於我們的淨值,
of chronic not-enoughness.
一種長期都覺得不夠足的狀態中。
with sugar and shopping.
longed to be financially rescued,
渴望在財務上被拯救,
with self-help books.
was our money belief.
是我們的金錢信念。
that our bank account balance
meeting with my brother ...
在星巴克的會面……
from his suffering,
to be the one to speak up
and share his legacy.
並分享了他的遺產。
不改變反而會致命。
and profound forgiveness,
深刻且深切的寬恕,
ABOUT THE SPEAKER
Tammy Lally - Money coachTammy Lally helps others master their finances.
Why you should listen
Tammy Lally is a Certified Money Coach and author of Money Detox. She helps others master their finances by first conquering their emotions around money, then by creating a comprehensive financial plan.
Lally has deep experience in the financial industry and has spent years studying psychology, addiction, recovery and spirituality. Her teachers include Brené Brown, Marianne Williamson, Pia Melody and Byron Katie.
Lally brings a distinctive blend of financial industry experience, psychological knowledge and spiritual consciousness to her work. She created a seven-step "Money Detox" process that allows anyone to achieve financial freedom and joy.
Tammy Lally | Speaker | TED.com