如何处理与另一半的财务问题？

如何处理与另一半的财务问题？

YOU AND YOUR significant other share all sorts of wonderful things, including love, family and intimacy. But that means you also get to share the not-so-romantic things, including debt, budgets and financial challenges.

你和你的另一半分享所有美好的事情，包括爱、家庭和亲密。但这意味着你也可以分享一些不那么浪漫的事情，包括债务、预算和财务挑战。

Managing your money and relationship is a real challenge. And while it's not typically fun or sexy to talk about investments or student loans, getting on the same financial page can be crucial to maintaining a healthy, long-lasting relationship. This can be true whether you're managing money and marriage or a long-term partnership.

管理你的金钱和人际关系是一个真正的挑战。虽然谈论投资或学生贷款通常并不有趣，但在财务上保持一致对维持健康、持久的关系至关重要。无论你是在理财、经营婚姻还是经营长期的伙伴关系，这都是正确的。

Know These Tips When Managing Money and Relationships

在管理金钱和人际关系时，要知道这些技巧

Learn your partner's money habits. The best time to become familiar with how your partner handles money is early in the relationship. When you first start dating, " You may pick up clues in the way he talks about his upbringing or his career goals. When the relationship gets more serious, you may want to glean more detailed information on your beau's financial state, including debts, savings, retirement plans, financial goals and credit interest rates.”says Erin Lowry, author of "Broke Millennial Takes On Investing.

学习伴侣的理财习惯。了解伴侣如何理财的最佳时机是在恋爱初期。《破产的千禧一代开始投资》一书的作者艾琳·劳里说，当你第一次约会时，你可以从他谈论他的成长或职业目标的方式中找到线索。当你们的关系变得更加认真时，你可能想收集更多关于你男友的财务状况的详细信息，包括债务、储蓄、退休计划、财务目标和信贷利率。

Get on the same page about goals. One less intimidating way to bring up money and get a sense of your partner's financial mindset is to talk about long-term goals. Does your honey plan to travel the world one day? Retire early? Move abroad? Change careers? Discussing these future fantasies can be a fun way , including the steps necessary to change your financial trajectory.

就目标达成一致。一个不那么吓人的方法就是谈论长期目标，这样你就能了解对方的财务状况。你的爱人计划有一天环游世界吗?提前退休吗?出国吗?改变你的职业吗?讨论这些未来的幻想可能是一个有趣的方式，包括必要的步骤来改变你的财务轨迹。

Find a referee. If you're constantly fighting about the money, it may be time to find a financial referee, such as a financial advisor, financial therapist or counselor. This person can weigh in on arguments and help you draft up workable solutions. "Finding a (certified financial planner) who can play referee and sometimes counselor is a great starting point," Shah says.

找一个裁判。如果你一直在为钱而争吵，也许是时候找个理财顾问了，比如理财顾问、理财治疗师或咨询师。这个人可以参与讨论，帮助你起草可行的解决方案。沙阿说:“找一个(注册理财规划师)，他既能当裁判，有时还能当顾问，这是一个很好的起点。”

Avoid Common Relationship and Money Mistakes

避免常见的人际关系和金钱错误

Everyone makes mistakes, but avoid these common pitfalls when handling your relationship and money.

每个人都会犯错，但是在处理你们的关系和金钱时要避免这些常见的陷阱。

Forgetting to update important information. Whether this is your first marriage or fourth, don't neglect to update your estate-planning documents, such as your will, and make sure to update the beneficiary designations on your retirement and insurance accounts. You want to make sure your spouse will be taken care of if you die before he or she does, and that any ex-spouse is removed from important documents.

忘记更新重要信息。无论这是你的第一次婚姻还是第四次婚姻，都不要忘记更新你的遗产规划文件，比如你的遗嘱，并确保更新你退休和保险账户上的受益人名单。如果你的配偶在你去世之前就去世了，你希望确保他/她能得到照顾，并且任何前任配偶都不能出现在重要文件中。

Find the source of the miscommunication . If money arguments are coming up in the bedroom, at the breakfast table or during vacation, it's time to diagnose the source of the miscommunication and start working toward a long-term solution. Is your partner's overspending bothering you? Are you frustrated with the way he handles money? "Don't just get mad about the problem, but come up with a way you think you can provide a solution," Lowry says. Regular money meetings, either on your own or with a financial referee, are a good way to get any concerns off your chest and take a fresh look at your financial accounts and goals.

找出误会根源。如果在卧室、早餐桌上或度假时出现了关于钱的争吵，那么是时候诊断出误会的根源，并开始寻找一个长期的解决方案了。你的伴侣过度消费困扰你吗?你对他处理金钱的方式感到沮丧吗?洛瑞说:“不要只是对问题感到愤怒，而是要想出一个你认为可以提供解决方案的方法。”无论是你自己的还是与财务顾问，定期的理财会议是一个消除你心中的担忧，重新审视你的财务账目和目标的很好的方法。