和你老公为了钱吵架?去看金融治疗师

These new specialists, who are the subject of a study published this month in the journal Contemporary Family Therapy, do double-duty as experts in family issues and financial planning.

这些新的专家是本月发表在《当代家庭治疗》(Contemporary Family Therapy)杂志上的一项研究的主题，他们既是家庭问题专家，又是理财专家。

For the study, researchers observed how six couples, aged 21 to 76, fared when they talked about their money woes with financial therapists. And — as you might guess if you’ve ever fought with a partner about credit-card splurges or cab fare home — the 30- to 50-minute sessions got pretty emotional.

在这项研究中，研究人员观察了6对年龄在21岁至76岁之间的夫妇，当他们与理财顾问谈论自己的财务困境时，他们的表现如何。而且——如果你曾经因为信用卡挥霍或打车回家的费用与伴侣争吵过，你可能会猜到——30到50分钟的争论变得相当情绪化。

“One woman was close to tears listening to her husband explain an early memory in their relationship about money that she didn’t understand at the time,” says financial planner John Grable, a founding member of the Financial Therapy Association, in a press release.

金融治疗协会的创始人之一、理财规划师约翰•格拉布尔在一份新闻稿中表示:“一位女士在听丈夫解释他们之间关于金钱的早期记忆时，眼泪都快掉下来了。”

“The story helped explain his odd behavior that she always thought of as just being mean. They left clearly closer emotionally and financially feeling more powerful.”

“这个故事有助于解释他的古怪行为，她一直认为这是卑鄙的。他们在感情上和经济上走得越近，感觉就越强大。”

The study’s lead author, University of Georgia couples and financial therapist Megan Ford, says finances are the “No. 1” thing couples fight about — which is why it’s strange that money and relationships aren’t researched more.

该研究的主要作者、佐治亚大学的夫妻和金融治疗师梅根·福特说，财务状况是夫妻吵架“第一位”——这就是为什么金钱和关系没有得到更多研究的原因。

“We know it and believe it,” Ford says, “but there is not a huge body of literature on the topic.”

“我们知道并相信它，”福特说，“但关于这个主题的文献还不多。”

There also aren’t a lot of financial therapists. Study researchers found that, while there are more than 80,000 certified financial planners and 50,000 family therapists in the United States, there are only 50 certified financial therapists in the entire country.

事实上也没有足够的金融治疗师。研究人员发现，尽管美国有8万多名注册理财规划师和5万名家庭治疗师，但全国只有50名注册理财治疗师。

“Therapists need to work together to solve problems that occur around financial behaviors of couples and learn how to connect to all of their emotions,” says Ford.

“治疗师需要一起工作来解决夫妻财务行为方面出现的问题，并学习如何与他们所有的情感相联系。”福特说。

Of course, all of this is assuming that Americans can afford a financial therapist to begin with, what with college grads struggling with permanent-feeling student debt and Americans struggling to take vacations and put presents under the tree.

当然，所有这些都是在假设美国人一开始就能请得起金融治疗师的情况下发生的，比如大学毕业生一直在为学生债务而苦苦挣扎，美国人很难去度假，也很难把礼物放在圣诞树下。