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本期主題

When It Comes to Marriage and Money, Opposites Attract

題材：社會生活類

出處：WSJ《華爾街日報》

字?jǐn)?shù)：873 words

外刊選讀

[1] The person you marry will often change your relationship to money.

【與你結(jié)婚的那個人會將你們的關(guān)系變成金錢關(guān)系。】

[2]We tend to choose our partners based on shared values, in-common traits and other similarities, marriage researchers say. But money-management styles are one case in which opposites do attract, said Jenny Olson, an assistant professor of marketing at Indiana University who studies couples’ financial decision-making.

【婚姻研究人員說，我們傾向于根據(jù)共同的價值觀、共同的性格特征和其他相似之處來選擇伴侶。但印第安納大學(xué)(Indiana University)研究夫妻財務(wù)決策的市場營銷學(xué)助理教授珍妮?奧爾森(Jenny Olson)說，理財風(fēng)格不同的人容易相互吸引?！?br/>
【重點詞匯】

opposite /??p?z?t/ n. 對立的人（或物）adj. 對面的；另一邊的

[3] We are drawn to people who can check and balance our own rigidrules about money, Prof. Olson said. Someone who feels they are too focused on saving and not focused enough on using money to enjoy life might look for a partner who can help them feel more comfortable with an occasional splurge.

【奧爾森教授說，我們被那些能夠制衡我們自己嚴(yán)格的金錢規(guī)則的人所吸引。那些覺得自己太專注于存錢，而不是足夠?qū)Ｗ⒂谟缅X享受生活的人，可能會尋找一個能幫助他們在偶爾揮霍的情況下感到更舒服的伴侶。】

【重點詞匯】

rigid /?r?d??d/adj.死板的；僵硬的；過于嚴(yán)格的

splurge /spl??d?/ n. 亂花錢；揮霍v. 亂花（錢）；揮霍

【長難句分析】

Someone who feels they are too focused on saving and not focused enough on using money to enjoy life might look for a partner who can help them feel more comfortable with an occasional splurge.

主句：Someone might look for a partner

定語從句1：who feels…

定語從句2：who can help them more comfortable with an occasional splurge

賓語從句：(that) they are too focused on saving and not focused enough on using money to enjoy life

[4] Over the decades, however, spouses often grow more alike. The spendthrifts married to the tightwads manage to find some middle ground, learning from one another in the process, said Scott Rick, a marketing professor at the University of Michigan whose studies marital finances.

【然而，幾十年來，配偶往往變得越來越相似。密歇根大學(xué)研究婚姻財務(wù)的營銷學(xué)教授斯科特?瑞克說，嫁給吝嗇鬼的揮金如土的人設(shè)法找到了一些中間立場，在這個過程中相互學(xué)習(xí)?！?br/>
【重點詞匯】

spouse /spa?s/ n. 配偶

spendthrift /?spendθr?ft/ n. 揮霍者

tightwad /?ta?tw?d/n.吝嗇鬼

marital /?m?r?tl/adj.婚姻的；夫妻關(guān)系的

[5] “The spouses who don’t converge have a harder time and those marriages are probably more fragileand could end in divorce,” Prof. Rick said, referencing his analysis of 1,303 couples, which will be published in a forthcoming book.

【瑞克教授說：“不合群的夫妻日子不好過，這些婚姻可能更脆弱，最終可能以離婚收場?！彼麑?303對夫妻的分析結(jié)果將在即將出版的新書中呈現(xiàn)?！?br/>
【重點詞匯】

converge /k?n?v??d?/ v. 匯集；聚集；（思想、政策、目標(biāo)等）十分相似，相同

fragile /?fr?d?a?l/ adj. 不牢固的；脆弱的

[6] This mutual influence along with the built-in financialaccountability couples get when they pool their assets are partly why married couples have a financial advantage over their single counterparts, researchers say. The median net worth of married couples 25 to 34 years old was nearly nine times as much as the median net worth of single households in 2019, up from four times as much in 2010, according to research from the Federal Reserve Bank of St. Louis.

【研究人員說，這種相互影響，以及夫妻在匯集資產(chǎn)時獲得的內(nèi)在財務(wù)責(zé)任，是已婚夫婦比單身伴侶在財務(wù)上更具優(yōu)勢的部分原因。根據(jù)圣路易斯聯(lián)邦儲備銀行的研究，2019年25歲至34歲已婚夫婦的凈資產(chǎn)中值幾乎是單身家庭凈資產(chǎn)中值的9倍，高于2010年的4倍。】

【重點詞匯】

accountability /??ka?nt??b?l?ti/ n. 責(zé)任

pool /pu?l/ v. 集中資源n. 游泳池

median net worth 凈值中位數(shù)

[7] When Kristen James, a 33-year-old product manager in Austin, Texas, first started dating her now-husband, Ben, a 35-year-old startup co-founder, she noticed they came to the relationship with different approaches to their finances. Mr. James considered himself much more of a financial risk-taker; Ms. James preferred to manage her money more conservatively.

【33歲的克里斯汀?詹姆斯是德克薩斯州奧斯汀的一名產(chǎn)品經(jīng)理，當(dāng)她第一次開始和她現(xiàn)在的丈夫、35歲的初創(chuàng)公司聯(lián)合創(chuàng)始人本約會時，她注意到他們開始這種關(guān)系時，對財務(wù)的處理方式不同。詹姆斯先生認(rèn)為自己更愿意承擔(dān)金融風(fēng)險，而詹姆斯太太則更傾向于保守地理財。】

【重點詞匯】

conservatively /k?n?s??v?t?vli/ adv. 保守地；謹(jǐn)慎地

[8] Instead of their differences erupting in conflict, Ms. James said her husband’s approach had a positive influence. After talking it over as a couple, Ms. James made the leap to change her career, moving into the technology industry and ultimately earning a higher salary as a result. Without her husband’s encouragement, she said she wouldn’t have felt securemaking such a huge life change.

【詹姆斯太太說，他們并沒有因為分歧而爆發(fā)沖突，反而她丈夫的做法產(chǎn)生了積極的影響。在談過這件事后，詹姆斯太太改變了自己的職業(yè)生涯，進(jìn)入了科技行業(yè)，最終獲得了更高的薪水。她說，如果沒有丈夫的鼓勵，她會覺得做出如此重大的生活改變是不安全的?！?br/>
【重點詞匯】

secure /s??kj??(r)/ adj. 安心的；有把握的v. 獲得，實現(xiàn)

[9]“He said, ‘You’re worth far more than what you’re making,’ and he pushed me to take on more risk and challenge myself in different ways,” she said.

【她說：“他說，‘你的價值遠(yuǎn)遠(yuǎn)超過你的收入’，他鼓勵我承擔(dān)更多的風(fēng)險，以不同的方式挑戰(zhàn)自己。”】

[10] Couples who communicate about the differences in their financial beliefs are better able to make decisions together, as tedious as that practice may initially feel, said Matt Lundquist, a psychotherapist and the clinical director of Tribeca Therapy, a psychotherapy practice based in New York.

【紐約心理治療公司翠貝卡療法的臨床總監(jiān)、心理治療師馬特?倫德奎斯特說，交流財務(wù)觀念上的差異的夫婦更有能力一起做決定，盡管這種做法最初可能會讓人覺得乏味?！?br/>
【重點詞匯】

tedious /?ti?di?s/adj.冗長的；單調(diào)乏味的

psychotherapist /?sa?k???θer?p?st/ n. 心理治療師

[11]He points to clients who take a regular weekend trip and have made it a habit to use the driving time to discuss their finances. While the children snooze in the back of the car, the parents review the state of their budgets and check in on progress toward longer-term goals.

【他指出，一些客戶會定期在周末出游，并已養(yǎng)成了利用駕車時間討論財務(wù)狀況的習(xí)慣。當(dāng)孩子們在汽車后座打盹時，父母們會審查他們的預(yù)算狀況，并檢查朝著更長期目標(biāo)的進(jìn)展情況?！?br/>
【重點詞匯】

snooze /snu?z/ v. 打盹

[12] Talking as a pair also prevents an imbalance of power in which one partner appoints themselves money manager, said Adrian Ward, a marketing professor at the University of Texas at Austin.

【德克薩斯大學(xué)奧斯汀分校的營銷學(xué)教授艾德里安?沃德說，兩人交談還可以防止權(quán)力失衡，即一方任命自己為理財經(jīng)理?！?br/>
【重點詞匯】

appoint/??p??nt/ v. 任命；委任

[13] In his own research looking at how couples manage their money, Prof. Ward found that one partner often takes charge of the finances, not because they’re better equipped to do so, but because they have more time for the job. The in-house money manager—whom Prof. Ward calls “the household CFO”—often shuts the other partner out of the decision-making. Sometimes, the other person is relieved, but over time, that partner’s financial literacy suffers.

【在對夫妻如何理財?shù)难芯恐?，沃德教授發(fā)現(xiàn)，夫妻中經(jīng)常有一方掌管財務(wù)，這不是因為他們有更好的條件這樣做，而是因為他們有更多的時間做這項工作。公司內(nèi)部的資金經(jīng)理——沃德教授稱之為“家庭首席財務(wù)官”——經(jīng)常把另一方排除在決策之外。有時，對方會松一口氣，但隨著時間的推移，對方的理財能力會受到影響?！?br/>
[14] “Even though it’s hard to make decisions together and we’re both busy, and it would be way easier for one of us to just do it, it’s the best long-term way to care for each other,” he said.

【他說：“盡管一起做決定很難，而且我們都很忙，對我們中的一個人來說，這樣做會容易得多，但這是照顧彼此的最佳長期方式。”】

[15] Marcella Mollon-Williams, a behavioral financial adviser based in Bowie, Md., runs a premarital financial counseling session for couples.

【馬塞拉?莫隆-威廉姆斯是馬里蘭州鮑伊的一名行為財務(wù)顧問，她為夫妻提供婚前財務(wù)咨詢服務(wù)。】

【重點詞匯】

session /?se?n/ n.開庭期;會期；一場(活動)

[16] The main issue she sees early on in relationships: Couples too often talk about the things one partner wants the other to avoid doing with their money, as opposed to the things they want to do together.

【她在早期的關(guān)系中看到的主要問題是：夫妻們經(jīng)常談?wù)撘环较Ｍ硪环奖苊庥盟麄兊腻X做的事情，而不是他們想要在一起做的事情?！?br/>
【重點詞匯】

as opposed to（表示對比）而，相對于

[17]“Talk about the desires money brings, the things you want to accomplish,” she said. “When you start dreaming together, identifying the things money can buy, it’ll become easier. It’s sort of looking ahead and then working backwards.”

【她說：“談?wù)摻疱X帶來的欲望，你想要完成的事情?！薄爱?dāng)你們開始一起暢想，確定錢能買到的東西時，這會變得更容易。這是一種向前看，然后向后看的過程。”】

【重點詞匯】

accomplish /??k?mpl??/ v. 完成

identify /a??dent?fa?/ v. 確認(rèn)；認(rèn)出

[18] To stay on the same page financially, Kristen and Ben James set a monthly family finance meeting. Talking about their goals, reviewing financial allocations and having time to connect on those topics helps them keep their sights trained on the bigger picture, Ms. James said.

【為了在財務(wù)上保持一致，克里斯汀和本·詹姆斯每月都會召開一次家庭財務(wù)會議。詹姆斯太太說，談?wù)撍麄兊哪繕?biāo)、審查財務(wù)分配以及有時間就這些話題進(jìn)行溝通，有助于他們將目光放得更遠(yuǎn)?！?br/>
【重點詞匯】

allocation /??l??ke??n/ n. 劃撥的款項；撥給的場地

[19] When she’s tempted to scroll through Redfin real-estate listings, she relies on her husband to hold her accountable.

【當(dāng)她想瀏覽Redfin的房地產(chǎn)列表時，她依賴丈夫幫她把關(guān)。】

[20] “We have each other to say ‘We’ re not buying a new house right now’ or ‘We’re not buying a new car right now’—you have that other person to ground you,” she said.

【“我們可以互相說‘我們現(xiàn)在不買新房子’或‘我們現(xiàn)在不買新車’——你有另一個人讓你變得實際，”她說?！?br/>
【重點詞匯】

ground /ɡra?nd/ n.地面v. 以……為依據(jù)；使停飛；使變得現(xiàn)實

其他英語外刊推薦

《時代周刊》Times

《新聞周刊》Newsweek

《大西洋月刊》The Atlantic

《經(jīng)濟學(xué)人》The Economist

《國家地理》National Geographic

《紐約時報 》The New York Times

《科學(xué)美國人》Scientific American

《華盛頓郵報》The Wshington Post

《哈佛商業(yè)評論》Harvard Business Review

外刊閱讀需要一定量的積累，才有可能看到自己質(zhì)的飛躍。一般來說，至少要精讀3個月以上才能看到明顯的進(jìn)步，如果你還有一兩個月就考試了不建議讀外刊，去刷真題就好。