你好我好大家好

Agreeable Money

Are you an agreeable person, you know, a nice guy? If so, a logical follow-up might be: how are your finances? And here's why: "Agreeable people have lower savings, they have higher debt, and they're also more likely to go bankrupt or default on their loans."

Sandra Matz is a computational social scientist at the Columbia Business School in New York City. Using a combination of questionnaires and bank data, she and her colleague Joe Gladstone found that people who score as more agreeable on personality tests have a better chance of ending up in dire financial straits, especially if they are low-income to begin with.

The researchers also combined personality data on millions of people in the U.S. and the U.K. with regional data on how many people were unable to pay their debts. And they found, again, that the nicer a county or local area's people on average, the worse their finances.

Matz thinks a factor could be that agreeable people just don't care much about money. Maybe they pick up the tab more often, or loan money when they can't afford to. They're generous to a fault.

So how do you get them to wise up? "One way we could reframe this is saying, don't care about money just for yourself, but care about it for your family, care about it for the people you love. Because if you mismanage your money it's not just going to affect you, but it’s also going to affect all the people you care about, and that you love deeply."

Which might translate agreeable people's superpower, caring about other people, into better financial sense. The results are in the Journal of Personality and Social Psychology.

If Matz does succeed in teaching nice people to be more stingy, who then will pick up the tab? "Then it's a matter of negotiating, then it should be more equally distributed. So if the agreeable person says I can't pay all the time, I only want to do that once in a while, but I also want you to give something back, because that's what makes a relationship a relationship, and not a one way street."

Which might mean agreeable people need to get a little more comfortable having disagreeable conversations.

参考译文

你是不是一个和善的人,别人眼中的老好人,如果是,我就有理由再问你一个问题:你的财务状况如何?因为和善的人存款更少,债务更高,他们也更有可能破产或拖欠贷款。

桑德拉是纽约哥伦比亚商学院的计算社会学家。通过结合调查问卷和银行数据,她和同事格莱斯顿发现,性格测试中和善的人更有可能陷入可怕的财务困境,特别是低收入者。

研究人员还结合了两组数据,一组是美英两国数百万人的性格特征,另一组是各地无力偿还债务的人数。他们还发现,平均来说,一个县或地区的人越和善,财务状况越糟糕。

桑德拉认为,原因之一可能是,和善的人不太看重钱。也许他们更喜欢替人买单,或在手头紧的时候借钱,他们更能容忍他人的过失。

那怎么让老好人聪明起来呢?我们可以纠正他们的心态,比如跟他们说不关心自己可以,但你关心家人,关心你爱的人,他们不能没钱。你管不好钱,不仅会影响你,也会影响所有你关心的人、你深爱的人。

以上方法可能会把老好人的仁爱超能力转化为更好的理财意识。这项研究发表在性格与社会心理学杂志上。

可如果把好人都教成小气鬼,谁还会去买单呢?桑德拉说,这就需要谈判了,风水轮流转。好心人可以说偶尔一次可以,不可能每次都我买单,我也想得到大家的回报,这才是人际交往,是你来我往,不是有去无回。

这可能意味着,老好人不能你好我好大家好,还是要说些不好听的话。

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