夫妻之間理財觀念不一致要怎樣調和?

Perhaps you've heard money is a major stressor in romantic relationships.

你可能聽說過戀愛中錢是矛盾之源。

That's why it can be uncomfortable—or even strain relationships—when the woman in a heterosexual relationship makes more money.

這就是爲什麼，女方賺錢更多會讓人感覺不舒服，有時甚至會影響戀情。

And when two people in a relationship come from diametrically opposite socioeconomic backgrounds, it raises all sorts of difficult conversations about how you should spend and earn money.

戀愛中兩個人經濟背景截然相反時，關於應該怎樣花錢和賺錢會產生各種分歧。

But as more women earn more and with most women working full time, even after they have children, some couples have opted out of a traditional marker of marriage: combined finances.

但隨着越來越多的女性收入增加，而且大多數女性甚至生育之後也會全職工作，有些夫妻就脫離了傳統的婚姻模式：財產合併。

These days, young couples—whether they are married or simply living together—are more likely to keep their finances separate, or at least partially so.

現如今年輕夫妻無論是已婚的還是隻同居的，都更有可能會把錢分開放，或者至少部分分開。

Twenty years ago, when Wendy Underwood, 43, married her husband Kurtis Kolt, 44, the couple opened a credit card together.

現在43歲的Wendy Underwood20年前嫁給了現在44歲的丈夫Kurtis Kolt，這對夫妻一起辦了一張信用卡。

"We thought that was the sort of thing married people should do," she says. "We learned pretty quickly that we both had very different approaches to money. I was brought up to believe you do without everything to be able to pay off debt. My approach to that credit card was, I'll have beans on toast for a week to make sure I pay off that balance at the end of the month."

她說：“我們以爲結了婚的人都該這樣，但我們很快發現我們的金錢觀很不一樣。我從小就被教育要盡一切努力還清債務。我使用信用卡的方法是吃一週加豆的吐司也要確保月底時還清賬單。”

Her husband's outlook was more "casual"—he would make a payment but didn't feel compelled to pay the full amount.

而她丈夫的態度就更“隨意”一點，他會還款，但覺得不需要勉強自己還清全部欠款。

That card wasn't in use for long. "If we had kept that credit card and added all our finances together, I honestly don't think we would still be married," Underwood says. "We just saw very quickly that it was a big source of tension for us."

這張卡很久都沒用了，Underwood說：“如果我們還用那張卡，把所有錢都放一起，說實話我覺得我們早就離婚了，我們只是很快發現了這是我們矛盾的主要根源。”

It didn't help that at the time, they were both young—in their early twenties—and still learning how to manage their personal finances.

當時他們都20歲剛出頭，儘管還很年輕也沒用，仍然在學着如何管理自己的個人財產。

So they created a new account solely to hold money for joint expenses like mortgage payments and utilities.

所以他們開了一個新賬戶，只用於爲按揭貸款和生活繳費這樣的共同支出存錢。

The couple tracks those expenses alone in a spreadsheet. ("The secret to a healthy marriage is spreadsheets," Underwood quips.) But with the exception of those big-ticket items, they keep their money separate.

這對夫妻在電子表格中單獨跟蹤這些費用，（Underwood開玩笑說：“健康婚姻的祕訣就是電子表格。”）但除了這些大額花銷外，他們的錢是分開的。

Underwood is quick to note that for her, maintaining separate finances is "not a substitute for being transparent" when it comes to finances. "I can honestly say I've never hidden a purchase from my husband, unless it was a gift for him," she says. "I'm not someone who has gone out and blown $600 on a pair of shoes and then hid them in the back of the wardrobe."

Underwood很快注意到對她來說，涉及錢的問題時保持財務獨立“並不影響財務透明”，她說：“我可以誠實地說我從未揹着丈夫偷偷花錢，除非是給他買禮物。我不會出去花$600買一雙鞋然後藏在衣櫃最裏面。”

One reason the arrangement has worked for Underwood and her husband is because they value the same things, from travel to gourmet food.

對Underwood和她丈夫來說這個方法很有效的一個原因就是他們有共同的愛好，都喜歡旅行和美食。

It's a function of personalities and circumstances, too: Underwood and her husband are both fiercely independent and don't have children.

這也受個性和家庭環境的影響：Underwood和她丈夫都非常獨立，而且沒有孩子。

"I think I work really hard for my money, and I don't want someone else telling me, 'You should reconsider spending on this thing,'" she says. "I don't want someone having that much control over my money."

她說：“我覺得自己爲了賺錢真的很努力，我不想別人告訴我‘買這個東西你還是再考慮考慮吧’，我不想別人太過干涉我的錢。”

It also helps that they are both self-employed and have similar incomes. "I actually do think it would be harder if Kurtis was earning a lot more money than me," she says. "Then we would have to adjust our approach ... but I do think we would still keep our money separate and just come up with a workaround that works for both of us."

還有一點也很重要，就是他們都是自由職業者，收入也差不多，她說：“我真的認爲如果Kurtis比我賺得多很多的話，我們兩個相處會更難，那樣我們就得調整錢的分配方法了，但我的確覺得我們仍然會財務分開，只是會想出一個適合我們兩個人的方法。”