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音頻科普：拒絕當“好好先生”，否則你可能“口袋空空”！
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音頻科普：拒絕當“好好先生”，否則你可能“口袋空空”！
?A study correlating personality traits with financial data found that agreeable people had lower savings, higher debt and higher bankruptcy rates. Christopher Intagliata reports.?一項研究將個人性格特征和財產(chǎn)情況結(jié)合起來分析，結(jié)果顯示，“好好先生”往往存款更低、負債累累而且面臨較高的破產(chǎn)危機——克里斯托弗·因塔利亞塔報道。
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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 peoplehave lower savings, they have higher debt, and they're also more likely to go bankrupt or default on their loans."?
你是一個難以說不的人嗎——或者說，一個好人嗎?如果是這樣，一個順理成章的后續(xù)問題可能是:你的財務(wù)狀況如何?如此發(fā)問的原因在于:“好好先生”往往儲蓄更少、債務(wù)更高、也更容易破產(chǎn)或拖欠貸款。
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.?
桑德拉·馬茨是紐約市哥倫比亞商學(xué)院的計算社會科學(xué)家。通過將調(diào)查問卷和銀行數(shù)據(jù)相結(jié)合，她和她的同事喬·格萊斯頓發(fā)現(xiàn)，在性格測試中得分越高的人，越有可能陷入可怕的財務(wù)困境——尤其是如果他們一開始的收入就很低。
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.?
研究人員還將美國和英國數(shù)百萬人的性格數(shù)據(jù)與當?shù)責(zé)o法償還債務(wù)的數(shù)據(jù)相結(jié)合，他們再次發(fā)現(xiàn)，一個區(qū)縣或地方居民的平均性格得分越高，他們的經(jīng)濟狀況就越差。
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.?
馬茨認為，其中一個因素可能是隨和的人不太在乎錢。也許他們會更頻繁地付賬，或者在自己無法負擔(dān)的時候借錢。他們過分慷慨了。
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. [Sandra C. Matz and Joe J. Gladstone,?Nice Guys Finish Last: When and Why Agreeableness Is Associated With Economic Hardship]
那么，怎樣才能讓他們聰明一點呢?
“我們可以用另一種方式重新組織這句話，不要只是為了自己才關(guān)心財務(wù)，而是要為了你的家人和你愛的人。”因為如果你對財務(wù)管理不善，那不僅會影響到自己，還會影響到所有你關(guān)心的人，以及你深愛的人。
這可能會把“好好先生”關(guān)心他人的超能力轉(zhuǎn)化成為更好的財務(wù)意識。
這項研究結(jié)果發(fā)表于《個性與社會心理學(xué)雜志》（the?Journal of Personality and Social Psychology）。[Sandra C. Matz and Joe J. Gladstone,?Nice Guys Finish Last: When and Why Agreeableness Is Associated With Economic Hardship]
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.
如果馬茨成功地教會好人變得小氣一些，那么誰來買單呢?“這是一個需要商量的問題，之后應(yīng)該更公平地分配。”所以，如果“好好先生”說我不能一直付錢，我只是有時想買單，但同時我也想從你那里得到一些回報，因為這才是在真正維持一段關(guān)系，而不是單向付出。
這意味著“好好先生”可能要在進行不愉快的談話時變得更自在一些。
—克里斯托弗·因塔利亞塔
翻譯：Neo
校對：楊青
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?A study correlating personality traits with financial data found that agreeable people had lower savings, higher debt and higher bankruptcy rates. Christopher Intagliata reports.?一項研究將個人性格特征和財產(chǎn)情況結(jié)合起來分析，結(jié)果顯示，“好好先生”往往存款更低、負債累累而且面臨較高的破產(chǎn)危機——克里斯托弗·因塔利亞塔報道。
?
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 peoplehave lower savings, they have higher debt, and they're also more likely to go bankrupt or default on their loans."?
你是一個難以說不的人嗎——或者說，一個好人嗎?如果是這樣，一個順理成章的后續(xù)問題可能是:你的財務(wù)狀況如何?如此發(fā)問的原因在于:“好好先生”往往儲蓄更少、債務(wù)更高、也更容易破產(chǎn)或拖欠貸款。
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.?
桑德拉·馬茨是紐約市哥倫比亞商學(xué)院的計算社會科學(xué)家。通過將調(diào)查問卷和銀行數(shù)據(jù)相結(jié)合，她和她的同事喬·格萊斯頓發(fā)現(xiàn)，在性格測試中得分越高的人，越有可能陷入可怕的財務(wù)困境——尤其是如果他們一開始的收入就很低。
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.?
研究人員還將美國和英國數(shù)百萬人的性格數(shù)據(jù)與當?shù)責(zé)o法償還債務(wù)的數(shù)據(jù)相結(jié)合，他們再次發(fā)現(xiàn)，一個區(qū)縣或地方居民的平均性格得分越高，他們的經(jīng)濟狀況就越差。
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.?
馬茨認為，其中一個因素可能是隨和的人不太在乎錢。也許他們會更頻繁地付賬，或者在自己無法負擔(dān)的時候借錢。他們過分慷慨了。
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. [Sandra C. Matz and Joe J. Gladstone,?Nice Guys Finish Last: When and Why Agreeableness Is Associated With Economic Hardship]
那么，怎樣才能讓他們聰明一點呢?
“我們可以用另一種方式重新組織這句話，不要只是為了自己才關(guān)心財務(wù)，而是要為了你的家人和你愛的人。”因為如果你對財務(wù)管理不善，那不僅會影響到自己，還會影響到所有你關(guān)心的人，以及你深愛的人。
這可能會把“好好先生”關(guān)心他人的超能力轉(zhuǎn)化成為更好的財務(wù)意識。
這項研究結(jié)果發(fā)表于《個性與社會心理學(xué)雜志》（the?Journal of Personality and Social Psychology）。[Sandra C. Matz and Joe J. Gladstone,?Nice Guys Finish Last: When and Why Agreeableness Is Associated With Economic Hardship]
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.
如果馬茨成功地教會好人變得小氣一些，那么誰來買單呢?“這是一個需要商量的問題，之后應(yīng)該更公平地分配。”所以，如果“好好先生”說我不能一直付錢，我只是有時想買單，但同時我也想從你那里得到一些回報，因為這才是在真正維持一段關(guān)系，而不是單向付出。
這意味著“好好先生”可能要在進行不愉快的談話時變得更自在一些。
—克里斯托弗·因塔利亞塔
翻譯：Neo
校對：楊青
關(guān)注【深圳科普】微信公眾號，在對話框：
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