When It Comes to Marriage and Money, Opposites Attract
题材：社会生活类
出处：WSJ 《华尔街日报》
字数：873 words
[1] The person you marry will often change your relationship to money.
【与你结婚的那个人会将你们的关系变成金钱关系。】
[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.
【婚姻研究人员说，我们倾向于根据共同的价值观、共同的性格特征和其他相似之处来选择伴侣。但印第安纳大学(Indiana University)研究夫妻财务决策的市场营销学助理教授珍妮•奥尔森(Jenny Olson)说，理财风格不同的人容易相互吸引。】
【重点词汇】
opposite /ˈɒpəzɪt/ n. 对立的人(或物) adj. 对面的;另一边的
[3] We are drawn to people who can check and balance our own rigid rules 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.
【奥尔森教授说，我们被那些能够制衡我们自己严格的金钱规则的人所吸引。那些觉得自己太专注于存钱，而不是足够专注于用钱享受生活的人，可能会寻找一个能帮助他们在偶尔挥霍的情况下感到更舒服的伴侣。】
【重点词汇】
rigid /ˈrɪdʒɪd/ adj. 死板的;僵硬的;过于严格的
splurge /splɜːdʒ/ n. 乱花钱;挥霍 v. 乱花(钱);挥霍
【长难句分析】
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
定语从句1：who feels…
定语从句2：who can help them more comfortable with an occasional splurge
宾语从句：(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，几十年来，配偶往往变得越来越相似。密歇根大学研究婚姻财务的营销学教授斯科特•瑞克说，嫁给吝啬鬼的挥金如土的人设法找到了一些中间立场，在这个过程中相互学习。】
【重点词汇】
spouse /spaʊs/ n. 配偶
spendthrift /ˈspendθrɪft/ n. 挥霍者
tightwad /ˈtaɪtwɒd/ n. 吝啬鬼
marital /ˈmærɪtl/ adj. 婚姻的;夫妻关系的
[5] “The spouses who don’t converge have a harder time and those marriages are probably more fragile and could end in divorce,” Prof. Rick said, referencing his analysis of 1,303 couples, which will be published in a forthcoming book.
【瑞克教授说：“不合群的夫妻日子不好过，这些婚姻可能更脆弱，最终可能以离婚收场。”他对1303对夫妻的分析结果将在即将出版的新书中呈现。】
【重点词汇】
converge /kənˈvɜːdʒ/ v. 汇集;聚集;(思想、政策、目标等)十分相似，相同
fragile /ˈfrædʒaɪl/ adj. 不牢固的;脆弱的
[6] This mutual influence along with the built-in financial accountability 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.
【研究人员说，这种相互影响，以及夫妻在汇集资产时获得的内在财务责任，是已婚夫妇比单身伴侣在财务上更具优势的部分原因。根据圣路易斯联邦储备银行的研究，2019年25岁至34岁已婚夫妇的净资产中值几乎是单身家庭净资产中值的9倍，高于2010年的4倍。】
【重点词汇】
accountability /əˌkaʊntəˈbɪləti/ n. 责任
pool /puːl/ v. 集中资源 n. 游泳池
median net worth 净值中位数
[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岁的克里斯汀•詹姆斯是德克萨斯州奥斯汀的一名产品经理，当她第一次开始和她现在的丈夫、35岁的初创公司联合创始人本约会时，她注意到他们开始这种关系时，对财务的处理方式不同。詹姆斯先生认为自己更愿意承担金融风险，而詹姆斯太太则更倾向于保守地理财。】
【重点词汇】
conservatively /kənˈsɜːvətɪvli/ adv. 保守地;谨慎地
[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 secure making such a huge life change.
【詹姆斯太太说，他们并没有因为分歧而爆发冲突，反而她丈夫的做法产生了积极的影响。在谈过这件事后，詹姆斯太太改变了自己的职业生涯，进入了科技行业，最终获得了更高的薪水。她说，如果没有丈夫的鼓励，她会觉得做出如此重大的生活改变是不安全的。】
【重点词汇】
secure /sɪˈkjʊə(r)/ adj. 安心的;有把握的 v. 获得，实现
[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.
【她说：“他说，‘你的价值远远超过你的收入’，他鼓励我承担更多的风险，以不同的方式挑战自己。”】
[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.
【纽约心理治疗公司翠贝卡疗法的临床总监、心理治疗师马特•伦德奎斯特说，交流财务观念上的差异的夫妇更有能力一起做决定，尽管这种做法最初可能会让人觉得乏味。】
【重点词汇】
tedious /ˈtiːdiəs/ adj. 冗长的;单调乏味的
psychotherapist /ˌsaɪkəʊˈθerəpɪst/ n. 心理治疗师
[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，一些客户会定期在周末出游，并已养成了利用驾车时间讨论财务状况的习惯。当孩子们在汽车后座打盹时，父母们会审查他们的预算状况，并检查朝着更长期目标的进展情况。】
【重点词汇】
snooze /snuːz/ 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.
【德克萨斯大学奥斯汀分校的营销学教授艾德里安•沃德说，两人交谈还可以防止权力失衡，即一方任命自己为理财经理。】
【重点词汇】
appoint /əˈpɔɪnt/ 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.
【在对夫妻如何理财的研究中，沃德教授发现，夫妻中经常有一方掌管财务，这不是因为他们有更好的条件这样做，而是因为他们有更多的时间做这项工作。公司内部的资金经理——沃德教授称之为“家庭首席财务官”——经常把另一方排除在决策之外。有时，对方会松一口气，但随着时间的推移，对方的理财能力会受到影响。】
[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.
【他说：“尽管一起做决定很难，而且我们都很忙，对我们中的一个人来说，这样做会容易得多，但这是照顾彼此的最佳长期方式。”】
[15] Marcella Mollon-Williams, a behavioral financial adviser based in Bowie, Md., runs a premarital financial counseling session for couples.
【马塞拉•莫隆-威廉姆斯是马里兰州鲍伊的一名行为财务顾问，她为夫妻提供婚前财务咨询服务。】
【重点词汇】
session /ˈseʃn/ n. 开庭期; 会期;一场 (活动)
[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.
【她在早期的关系中看到的主要问题是：夫妻们经常谈论一方希望另一方避免用他们的钱做的事情，而不是他们想要在一起做的事情。】
【重点词汇】
as opposed to(表示对比)而，相对于
[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.”
【她说：“谈论金钱带来的欲望，你想要完成的事情。”“当你们开始一起畅想，确定钱能买到的东西时，这会变得更容易。这是一种向前看，然后向后看的过程。”】
【重点词汇】
accomplish /əˈkʌmplɪʃ/ v. 完成
identify /aɪˈdentɪfaɪ/ v. 确认;认出
[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.
【为了在财务上保持一致，克里斯汀和本·詹姆斯每月都会召开一次家庭财务会议。詹姆斯太太说，谈论他们的目标、审查财务分配以及有时间就这些话题进行沟通，有助于他们将目光放得更远。】
【重点词汇】
allocation /ˌæləˈkeɪʃn/ n. 划拨的款项;拨给的场地
[19] When she’s tempted to scroll through Redfin real-estate listings, she relies on her husband to hold her accountable.
【当她想浏览Redfin的房地产列表时，她依赖丈夫帮她把关。】
[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.
【“我们可以互相说‘我们现在不买新房子’或‘我们现在不买新车’——你有另一个人让你变得实际，”她说。】
【重点词汇】
ground /ɡraʊnd/ n. 地面 v. 以……为依据;使停飞;使变得现实
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