ABOUT THE SPEAKER
Tammy Lally - Money coach
Tammy 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.

More profile about the speaker
Tammy Lally | Speaker | TED.com
TEDxOrlando

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

Filmed:
2,068,458 views

為了生活費和管理財務而掙扎是很常見的,但誠實並開放地談論它卻不常見。為什麼我們要隱藏關於金錢的問題?在這場很細膩、個人化的演說中,作家譚美拉里鼓勵我們脫離「金錢羞恥」,並告訴我們要如何停止將我們的銀行帳戶餘額和我們的自我價值劃上等號。
- Money coach
Tammy Lally helps others master their finances. Full bio

Double-click the English transcript below to play the video.

00:12
Have you every一切 had to break打破
your family's家庭的 rules規則?
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你們是否曾經必須要打破家規?
00:16
Today今天, I'm breaking破壞 mine,
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今天,我要打破我的家規,
00:18
around money, secrecy保密 and shame恥辱.
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關於金錢、秘密,以及羞恥的家規。
00:23
In 2006, on my brother哥哥 Keith's基斯的
40th birthday生日, he called.
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2006 年,我哥哥基斯在他
四十歲生日的那一天打電話來。
00:29
"Tam, I'm in dire可怕的 straits海峽.
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「譚美,我的狀況非常糟。
00:32
I wouldn't不會 ask unless除非 I had to.
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不到必要關頭,我不會問的。
00:36
Can I borrow 7,500 dollars美元?"
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我能否跟你借 7500 美金?」
00:40
This wasn't the first time
he needed需要 quick cash現金,
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那並不是他第一次急需現金,
00:43
but this time, his voice語音 frightened受驚 me.
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但這一次,他的聲音嚇著了我。
00:47
I had never heard聽說 him
so beaten毆打 down and shameful可恥,
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我從來沒有聽過他這麼
潦倒、羞恥的聲音,
00:54
and it was on his 40th birthday生日.
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且那天是他的四十歲生日。
01:01
After a few少數 basic基本 questions問題
that we would all ask,
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問了幾個大家都會問的
基本問題之後,
01:05
I agreed約定 to loan貸款 him the money,
but under one condition條件:
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我同意借他錢,但有一個條件:
01:10
that as the financial金融
professional專業的 in the family家庭,
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身為家中的財務專家,
01:12
I wanted to meet遇到 with him and his wife妻子
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我想要和他及他太太見面,
01:14
to see what was really happening事件.
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了解真正的狀況。
01:17
Weeks later後來, we met會見
at the local本地 Starbucks星巴克,
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幾週之後,我們在
當地的星巴克裡見面,
01:21
and I started開始 right in
with the tough-love堅韌的愛 budget預算 conversation會話.
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我一開始就切入談起
「嚴苛的愛」生活費。
01:26
"You should sell the house,
downsize縮小規模 to something you can afford給予,
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「你應該把房子賣了,
換到小一點但能負擔的房子,
01:30
sell the toys玩具.
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把『玩具』賣掉。
01:32
And Starbucks星巴克?
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至於星巴克呢?
01:34
Give up the five-dollar-a-day五美元一天 coffee咖啡."
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放棄每天五美金的咖啡。」
01:37
You know, all the trappings服飾 that we do
to keep up with the Joneses攀比.
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你知道的,所有為了
和別人比較而做的虛飾。
01:42
Quickly很快, my brother哥哥 and his wife妻子
went into a fearsome可怕的 blame game遊戲,
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很快地,我哥哥和他太太
就開始了可怕的怪罪比賽,
01:47
and it got messy.
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場面很難看。
01:49
I vacillated動搖 between之間 therapist治療師
and pissed-off惹惱了 sister妹妹.
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我在治療師和被惹毛的妹妹
這兩個身分之間遊走。
01:56
I wanted them to be better than this.
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我希望他們做得比現在這樣更好。
01:58
"Come on, you two. Get your shit拉屎 together一起.
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「拜託,兩位,別再瞎搞了。
02:02
You're parents父母.
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你們是父母。
02:03
Grow成長 up and buck降壓 up."
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成熟一點,振作一點。」
02:08
After we left, I called my mom媽媽,
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我們離開後,我打電話給我母親,
02:12
but Keith基思 beat擊敗 me to it,
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但基斯比我快了一步,
02:14
and he told her that I wasn't helpful有幫助.
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他跟母親說我都不幫忙。
02:17
In fact事實, he was hurt傷害
and felt ganged-up聯合起來 on.
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事實上,他很受傷,
覺得大家都聯手對付他。
02:24
Of course課程 he did. I shamed羞愧 him
with my tough-love堅韌的愛 budget預算 conversation會話.
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他當然會有這種反應。我用我那段
嚴苛的愛生活費談話來羞辱他。
02:33
Two months個月 went by when I received收到 a call.
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兩個月之後,我接到一通電話。
02:36
"Tam? I have bad news新聞.
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「譚美?我有壞消息。
02:40
Keith基思 committed提交 suicide自殺 last night."
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基斯昨晚自殺了。」
02:47
Days later後來, at his home,
I went looking for answers答案,
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幾天後,在他家,我去尋找答案,
02:52
in his "office辦公室" -- the garage車庫.
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我進到他的「辦公室」——車庫。
02:56
There, I found發現 a stack
of overdue過期的 credit信用 card bills票據
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在那裡,我找到一疊
過期的信用卡帳單,
03:00
and a foreclosure喪失抵押品贖回權 notice注意 served提供服務 to him
on the day that he died死亡.
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還有一份回贖權取消通知,
在他過世的那天交給他。
03:24
My brother哥哥 left behind背後
his beautiful美麗 10-year-old-歲 daughter女兒,
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我哥哥留下了一個美麗的十歲女兒,
03:29
his brilliant輝煌 18-year-old-歲 son兒子,
weeks before his high school學校 graduation畢業,
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一個聰明的十八歲兒子,
幾週後就要高中畢業,
03:34
and his wife妻子 of 20 years年份.
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還有結婚二十年的太太。
03:38
How did this happen發生?
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這是怎麼發生的?
03:42
My brother哥哥 was caught抓住
in our family's家庭的 money-shame金錢-恥辱 cycle週期,
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我哥哥陷入了我家的
「金錢羞恥」循環中,
03:46
and he was far from alone單獨 in this.
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且他不是唯一的一個人。
03:50
Suicide自殺 rates利率 among其中 adults成年人 ages年齡 40 to 64
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從 1999 年開始,
40 到 64 歲的成人
03:55
have risen上升 nearly幾乎 40 percent百分 since以來 1999.
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自殺率上升了近 40%。
04:00
Job工作 loss失利, bankruptcy破產 and foreclosures喪失抵押品贖回權
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近 40% 的自殺死者遇到
失業、破產,和回贖權
取消的狀況,
04:03
were present當下 in nearly幾乎
40 percent百分 of the deaths死亡,
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04:06
with white白色 middle-aged中年 men男人
accounting會計 for seven out of 10 suicides自殺.
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十個自殺者當中
就有七個是中年白人,
04:13
What I've learned學到了
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我們發現,
04:16
is that our self-destructive自我毀滅
and self-defeating弄巧成拙 financial金融 behaviors行為
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我們的自我毀滅
和自取滅亡的財務行為
04:22
are not driven驅動
by our rational合理的, logical合乎邏輯 minds頭腦.
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並不是由理性、邏輯的大腦所控制。
04:27
Instead代替, they are a product產品
of our subconscious潛意識 belief信仰 systems系統
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反之,這些行為是我們
潛意識信念系統的產物,
04:33
rooted in our childhoods童年
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深根於我們的童年,
04:35
and so deeply ingrained根深蒂固 in us,
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在我們體內非常根深蒂固,
04:38
they shape形狀 the way that we deal合同 with money
our entire整個 adult成人 lives生活,
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形塑了我們在整個成年期中
處理金錢的方式,
04:43
and so many許多 of you are left believing相信
that you're lazy,
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所以,許多人就會
相信自己是懶惰、
04:49
crazy or stupid -- or just bad with money.
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瘋了,或是愚蠢,
或就是不擅長處理錢。
04:55
This is what I call money shame恥辱.
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這就是我所謂的金錢羞恥。
04:59
Dr博士. Bren布倫é Brown棕色,
a well-known知名 shame恥辱 researcher研究員,
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布芮尼布朗博士
是一位著名的羞恥研究者,
05:02
defines定義 shame恥辱 as "the intensely激烈
painful痛苦 feeling感覺 or experience經驗
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她把羞恥定義為
「極度痛苦的感覺或經驗,
05:09
of believing相信 that we are flawed有缺陷,
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相信我們有瑕疵,
05:12
and therefore因此 unworthy不值得
of love and belonging屬於."
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因此不值得被愛及有所歸屬。」
05:17
Based基於 on this definition定義,
here's這裡的 how I'm defining確定 money shame恥辱:
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根據這個定義,
我把金錢羞恥定義如下:
05:23
"the intensely激烈 painful痛苦
feeling感覺 or experience經驗
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「極度痛苦的感覺或經驗,
05:26
of believing相信 that we are flawed有缺陷,
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相信我們有瑕疵,
05:29
and therefore因此 unworthy不值得
of love and belonging屬於,
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因此不值得被愛及有所歸屬,
05:32
based基於 on our bank銀行 account帳戶 balances結餘,
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依據的是我們的銀行帳戶餘額、
05:35
our debts債務, our homes家園, our cars汽車
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我們的負債、
我們的房子、我們的車子,
05:40
and our job工作 titles標題."
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以及我們的工作頭銜。」
05:43
Let me give you a couple一對
of examples例子 of what I mean.
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讓我舉幾個例子來說明我的意思。
05:47
I believe that we all have money shame恥辱,
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我相信我們都有金錢羞恥,
05:50
whether是否 you earn
10,000 dollars美元 a year or 10 million百萬,
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不論你的年收入是
一萬美金或一千萬美金,
05:54
and it's because we give money
all of our power功率.
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原因是因為我們把
所有的權力都交給金錢。
05:59
Here's這裡的 what it would look like
if someone有人 that you love, or you,
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如果你所愛的人或是你本身
有金錢羞恥的話,
06:03
might威力 have money shame恥辱.
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看起來會是這個樣子的:
06:06
They play the big shot射擊,
always picking選擇 up the check,
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他們會裝作是大人物,
總是要當付錢的人,
06:09
financially經濟 rescuing營救 family家庭 and friends朋友.
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在財務上去拯救家人和朋友。
06:12
They are financially經濟 secure安全,
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他們在財務上是安全的,
06:14
but they live生活 in a state
of chronic慢性 not-enoughness非 enoughness.
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但他們生活在一種長期
都不覺得足夠的狀態。
06:20
They drive駕駛 a Mercedes奔馳, but their budget預算
really only can afford給予 a Honda本田.
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他們開賓士汽車,但他們的預算
其實只負擔得起本田汽車。
06:28
And they're looking good at every一切 cost成本.
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他們會不計代價想
讓自己看起來很棒。
06:32
I know that we can break打破 free自由
from the grips交手 of money shame恥辱,
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我知道我們可以脫離
金錢羞恥的掌心,
06:36
because I did.
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因為我就做過。
06:39
Shortly不久 after my brother's兄弟 death死亡,
the Recession不景氣 hit擊中.
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在我哥哥過世後不久,
發生經濟衰退,
06:43
I lost丟失 my business商業 and faced面對 bankruptcy破產.
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我失去了我的事業,面臨破產。
06:48
Secretly偷偷, I was terrified.
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私底下,我害怕極了。
06:53
I stayed in my home for a year,
thinking思維 I did something wrong錯誤,
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我待在我家裡一整年,
認為是我做錯了什麼事,
06:59
told myself, "What did you do?
What happened發生?"
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我問自己:「你做了什麼?
發生了什麼事?」
07:03
I stayed silent無聲, while all along沿,
I went outside and smiled笑笑.
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我保持沉默,但我一直都會
走到外面對大家微笑。
07:09
Nobody沒有人 knew知道.
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沒有人知道。
07:11
That's money shame恥辱.
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那就是金錢羞恥。
07:14
So what I had to do
was let go of the grip that I had
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我必須要放下,
不能再覺得我知道所有的答案。
07:20
on knowing會心 all the answers答案.
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07:22
I was the know-it-all知道這一切 in my family家庭,
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在我家,我就是那個
什麼都知道的人,
07:25
and I had to give up the idea理念
that a new financial金融 plan計劃
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我得要放棄認為新的財務計畫
就是解決方案的想法。
07:30
was the solution.
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07:33
And so just like everything
in my life, for me,
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所以,就像我人生中的一切一樣,
07:38
I was sent發送 a human人的 to help,
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有個人來幫助我,
07:42
and I accepted公認 the help,
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而我接受了那幫助,
07:46
but I had to do major重大的 self-inquiry自我查詢
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但我得要做重要的自我探索,
07:49
about my family's家庭的 money history歷史
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探索我家族的金錢史
07:52
and my money beliefs信仰.
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以及我的金錢信仰。
07:56
We have to start開始 having this conversation會話.
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我們得要開始進行這樣的談話。
08:00
Money can no longer be a taboo忌諱 topic話題.
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金錢不能夠再是禁忌的話題。
08:04
We have to get honest誠實 with each other
that we're suffering痛苦 with money issues問題,
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我們得要對彼此誠實,
坦誠我們遇到了金錢問題,
08:10
and let's get real真實 -- we have to stop
numbing麻木 out our pain疼痛.
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而且,咱們要實際點——
我們得要停止去麻木我們的痛苦。
08:16
In order訂購 to uncover揭露 the painful痛苦 parts部分
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為了要揭露出你的金錢故事
及你的金錢歷史中的痛苦部分,
08:19
of your money story故事
and your money history歷史,
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08:23
you can't be numb麻木.
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你不能麻木。
08:25
We have to let go of our past過去
in order訂購 to be free自由.
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我們得要放下過去,才能夠自由。
08:32
Letting go of the past過去
happens發生 through通過 surrender投降,
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要透過屈服、信念,以及寬恕,
08:36
faith信仰 and forgiveness饒恕.
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才能放下過去。
08:39
Debt債務 is the tangible有形 manifestation表現
of not forgiving寬容.
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債務就是不寬恕的實質具體呈現。
08:44
If you have debt債務, you've not
completely全然 forgiven原諒 your past過去,
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如果你還欠債,你就還沒有
完全寬恕你的過去,
08:49
so it's our work
to forgive原諒 ourselves我們自己 and others其他
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所以,我們要做的是寬恕
我們自己以及他人,
08:52
so that we can live生活 freely自如.
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這樣我們才能自由地生活。
08:54
Otherwise除此以外, our history歷史
will continue繼續 to repeat重複.
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不然,我們的歷史就會不斷重演。
08:59
This is not a quick fix固定,
and I know we all want one,
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這並不是快速解決的方案,
我知道我們都希望快速解決,
09:03
but it's a slow wake-up醒來.
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但它其實是緩慢的覺醒。
09:05
This is another另一個 level水平 of work.
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這是另一個層級的工作了。
09:08
We have to go higher更高 to get it,
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我們得要爬更高才能得到它,
09:11
to get at it.
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才能夠得著它。
09:14
So try this: follow跟隨 your dollars美元.
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所以,試試這樣做:
跟著你的錢走。
09:17
Your money will show顯示 you
right away what you value.
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你的金錢會馬上告訴你
你重視的是什麼。
09:21
Where's哪裡 it going?
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它被花到哪裡去了?
09:22
And then ask yourself你自己:
Do I really value all this stuff東東?
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接著,問問你自己:
我真的重視所有這些東西嗎?
09:27
And get curious好奇 about
what you're feeling感覺 when you're spending開支.
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要好奇地去了解
當你花錢時的感受是什麼。
09:31
Are you lonely孤獨?
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你寂寞嗎?
09:33
Are you bored無聊?
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你無聊嗎?
09:34
Or are you just excited興奮?
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或者你只是興奮?
09:39
But there's deeper更深 work
that needs需求 to happen發生.
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但還有更深的工作需要去做。
09:42
How did you get all these
money beliefs信仰 to begin開始 with?
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你一開始是怎麼產生出
這些金錢信念的?
09:46
I call this your money autobiography自傳,
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我稱它為你的金錢自傳,
09:49
and as a money coach教練, this is
the first step I take with my clients客戶.
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我是個金錢教練,
我帶客戶所做的第一步如下。
09:54
Think back to your earliest最早
childhood童年 money memory記憶.
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回想你孩童時期
最早的金錢相關記憶。
09:58
What did it feel like when you got money?
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當你拿到錢的時候,感覺如何?
10:01
Were you excited興奮, proud驕傲 or confused困惑?
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你是很興奮、很驕傲,
還是很困惑?
10:06
And what did you do with the money?
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你把錢用在哪裡?
10:08
Did you run with the candy糖果 store商店,
or did you run to the bank銀行?
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你是跑去糖果店,還是跑去銀行?
10:12
And what did you hear your parents父母 say,
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你聽見你的父母說什麼?
10:15
and what did you see
your parents父母 do with the money?
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你看到你的父母如何使用金錢?
10:19
My brother哥哥 and I heard聽說,
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我哥哥和我聽到的是:
10:21
"More money will make us happy快樂."
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「更多的錢會讓我們快樂。」
10:24
Every一切 day.
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每天都聽到。
10:25
"More money will make us happy快樂."
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「更多的錢會讓我們快樂。」
10:27
And we internalized內在 that
into the money belief信仰
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我們就會把它內化成金錢信念,
10:31
that our self worth價值 was equal等於
to our net worth價值
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相信我們的自我價值
等同於我們的淨值,
10:35
as we watched看著 our mom媽媽 live生活 in a state
of chronic慢性 not-enoughness非 enoughness.
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同時看著我們的母親活在
一種長期都覺得不夠足的狀態中。
10:41
And she numbed麻木 the pain疼痛
with sugar and shopping購物.
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她用糖和購物來麻痹那痛苦。
10:46
So what did we do?
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所以,我們做了什麼?
10:48
Keith基思 played發揮 out my mother's母親 life.
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基斯重演了我母親的人生。
10:51
He was an underearnerunderearner,
longed渴望 to be financially經濟 rescued獲救,
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他賺的錢很少,
渴望在財務上被拯救,
10:55
and he numbed麻木 out the pain疼痛 with alcohol.
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他用酒精來麻木他的痛苦。
10:59
I did the opposite對面.
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我做的相反。
11:01
I became成為 a high earner收入來源,
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我變成了高收入者,
11:03
rescuer救命 恩人,
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拯救者,
11:06
and I numbed麻木 the pain疼痛 out
with self-help自救 books圖書.
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我用自助書籍來麻目我的痛苦。
11:11
But what we had in common共同
was our money belief信仰.
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但我們兩人的共通點
是我們的金錢信念。
11:14
We both believed相信
that our bank銀行 account帳戶 balance平衡
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我們都相信我們的銀行帳戶餘額
11:17
was equal等於 to our self worth價值.
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等同於我們的自我價值。
11:20
Looking back at the Starbucks星巴克
meeting會議 with my brother哥哥 ...
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回頭看我和我哥哥
在星巴克的會面……
11:25
he didn't need a budget預算 and my judgment判斷.
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他並不需要生活費和我的評斷。
11:29
He needed需要 a breakthrough突破
from his suffering痛苦,
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他需要的是從他的苦難突破出來,
11:32
and he needed需要 my compassion同情.
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他需要我的同理心。
11:36
Keith基思 was not able能夠
to be the one to speak說話 up
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基斯無法成為說出來並且打破
我們家族金錢羞恥循環的那個人,
11:38
and break打破 our family家庭 money shame恥辱 cycle週期,
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11:41
so he left me to do the work
and share分享 his legacy遺產.
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所以他把這個工作留給我,
並分享了他的遺產。
11:46
Change更改 is difficult,
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改變很難,
11:49
but in my family家庭, not changing改變 is fatal致命.
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但在我的家庭中,
不改變反而會致命。
11:54
So I did the work,
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所以我做了這項工作,
11:56
and I have experienced有經驗的 deep
and profound深刻 forgiveness饒恕,
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我已經經驗過了
深刻且深切的寬恕,
12:03
and as I stand here today今天,
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且,今天我站在這裡,
12:05
I am living活的 on purpose目的,
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我活著是有目的的,
12:09
I serve服務, and money serves供應 me.
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我服務,而金錢也會服務我。
12:13
It only takes one person in your family家庭
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在你的家庭中,只需要有一個人
12:18
to break打破 through通過 the money-shame金錢-恥辱 cycle週期.
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來打破金錢羞恥的循環。
12:21
I want you to be the one.
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我希望各位能當這個人。
12:24
Thank you.
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謝謝。
12:25
(Applause掌聲)
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(掌聲)
Translated by Lilian Chiu
Reviewed by Helen Chang

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ABOUT THE SPEAKER
Tammy Lally - Money coach
Tammy 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.

More profile about the speaker
Tammy Lally | Speaker | TED.com

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