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cover of episode Ep 458: Healthy Relationships With Money: A Psychologist Tells All

Ep 458: Healthy Relationships With Money: A Psychologist Tells All

2025/1/15
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
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People
E
Emily White
J
Jean Chatzky
M
Matt Lundquist
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Jean Chatzky: 新年伊始，是时候重新审视并改善我们的财务状况了。许多美国人无法量入为出或财务状况不佳。我们需要建立财务稳定性和韧性，并培养与金钱更健康的关系。这不仅仅是数学问题，还涉及到许多隐藏的心理和情绪原因，例如回避财务报表、向朋友借钱、储蓄不足或根本不投资等。只有深入了解这些心理和情绪原因，才能有效改变行为。在我们的理财课程中，我们深入探讨个人财务故事，解开个人财务历史，即我们成长过程中吸收的观念，从而改变现状，最终利用金钱支持我们想要的生活。 Matt Lundquist: 我发现金钱是许多客户面临的最大问题之一。许多人回避谈论金钱，这可能是由于他们自身对金钱的不安全感或不舒服的感觉，也可能是他们本身的抗拒。我做了很多工作来了解我与金钱的历史和情感关系。我发现，人们寻求财务治疗并非为了获得财务规划建议，而是因为即使知道正确的理财方法，也无法付诸实践。这不仅仅是意志力的问题，背后可能存在更复杂的原因，例如童年经历、家庭环境、离婚、失业等。这些经历会潜移默化地影响我们成年后的财务行为。即使解决了物质问题，童年时期的情感创伤仍然可能影响成年后的财务行为。在年轻时建立良好的理财习惯，为未来更复杂的财务状况打下基础。一些常见的迹象包括经常回避财务报表、对消费金额缺乏清晰认知、以及与伴侣缺乏财务沟通等。面对财务问题，与其逃避，不如寻求帮助并直面现实，这往往比想象中轻松。

Deep Dive

Chapters
Many Americans struggle to live within their means or are in poor financial shape. This episode explores the psychological and emotional reasons behind our financial behaviors, emphasizing the importance of understanding our 'money story' to build a healthier relationship with money. The episode introduces Matt Lundquist, a psychotherapist specializing in money issues, to guide us through this process.
  • 42% of Americans can't live within their means
  • A quarter of Americans are in poor financial shape
  • Money issues are often rooted in psychology and emotions
  • Understanding your 'money story' (how you were raised and what you absorbed about money) is crucial for change

Shownotes Transcript

It’s somehow the middle of January — which means if you’ve made your resolutions and you’re still sticking to them, congratulations are in order! You’ve made it past Quitters Day) or the day when most people abandon their resolutions (it falls on the second Friday in January). 

But if you have fallen off of your financial resolutions, this is your sign to pick them back up. Because of his year, it’s time to get serious about building some financial stability, financial resiliency, and cultivate a healthier relationship with money. 

Matt Lundquist), a Columbia University-trained psychotherapist and founder of Tribeca Therapy digs into the root of our money issues and walks us through the steps we can take to improve our relationships with money once and for all. 

CHAPTERS:

**00:00 **Improving financial habits in the New Year

**06:00 **Common barriers to good financial behavior

18:00 Why people overspend and use money to address emotional voids

**28:00 **When to seek financial therapy

33:00 Mailbag Question 1: What’s the best way to invest in Bitcoin with a small amount of money? 

40:00 Mailbag Question 2: How do I best support my parents in paying back my student loans? 

TAKEAWAYS:

  • Many financial behaviors, such as avoiding credit card statements or overspending, are tied to deeper psychological patterns rather than a lack of financial knowledge.

  • Tackling small financial disagreements early as a couple can help build a framework for handling larger financial challenges later.

  • Finding the right therapist involves looking for someone experienced in discussing money-related emotions or asking targeted questions about their experience with this topic.

Learn more about Jean Chatzky's multiweek Money Makeover program )FinanceFixx) here). Use code PODCAST for a $100 discount.

Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com). Your first month is completely free.

Have a question for us? Write to us (or send us a voice note!) at [email protected].

While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at )Hermoney.com/subscribe)!

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