管理類聯(lián)考考研英語(yǔ)二外刊選讀（2）

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When It Comes to Marriage and Money, Opposites Attract

題材：社會(huì)生活類

出處：WSJ 《華爾街日?qǐng)?bào)》

字?jǐn)?shù)：873 words

[1] The person you marry will often change your relationship to money.

【與你結(jié)婚的那個(gè)人會(huì)將你們的關(guān)系變成金錢關(guān)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.

【婚姻研究人員說(shuō)，我們傾向于根據(jù)共同的價(jià)值觀、共同的性格特征和其他相似之處來(lái)選擇伴侶。但印第安納大學(xué)(Indiana University)研究夫妻財(cái)務(wù)決策的市場(chǎng)營(yíng)銷學(xué)助理教授珍妮?奧爾森(Jenny Olson)說(shuō)，理財(cái)風(fēng)格不同的人容易相互吸引?！?/p>

【重點(diǎn)詞匯】

opposite /??p?z?t/ n. 對(duì)立的人(或物) adj. 對(duì)面的;另一邊的

[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.

【奧爾森教授說(shuō)，我們被那些能夠制衡我們自己嚴(yán)格的金錢規(guī)則的人所吸引。那些覺(jué)得自己太專注于存錢，而不是足夠?qū)Ｗ⒂谟缅X享受生活的人，可能會(huì)尋找一個(gè)能幫助他們?cè)谂紶枔]霍的情況下感到更舒服的伴侶?！?/p>

【重點(diǎn)詞匯】

rigid /?r?d??d/ adj. 死板的;僵硬的;過(guò)于嚴(yán)格的

splurge /spl??d?/ n. 亂花錢;揮霍 v. 亂花(錢);揮霍

【長(zhǎng)難句分析】

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

定語(yǔ)從句1：who feels…

定語(yǔ)從句2：who can help them more comfortable with an occasional splurge

賓語(yǔ)從句：(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，幾十年來(lái)，配偶往往變得越來(lái)越相似。密歇根大學(xué)研究婚姻財(cái)務(wù)的營(yíng)銷學(xué)教授斯科特?瑞克說(shuō)，嫁給吝嗇鬼的揮金如土的人設(shè)法找到了一些中間立場(chǎng)，在這個(gè)過(guò)程中相互學(xué)習(xí)?！?/p>

【重點(diǎn)詞匯】

spouse /spa?s/ n. 配偶

spendthrift /?spendθr?ft/ n. 揮霍者

tightwad /?ta?tw?d/ n. 吝嗇鬼

marital /?m?r?tl/ adj. 婚姻的;夫妻關(guān)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.

【瑞克教授說(shuō)：“不合群的夫妻日子不好過(guò)，這些婚姻可能更脆弱，最終可能以離婚收?qǐng)觥！彼麑?duì)1303對(duì)夫妻的分析結(jié)果將在即將出版的新書(shū)中呈現(xiàn)?！?/p>

【重點(diǎn)詞匯】

converge /k?n?v??d?/ v. 匯集;聚集;(思想、政策、目標(biāo)等)十分相似，相同

fragile /?fr?d?a?l/ 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.

【研究人員說(shuō)，這種相互影響，以及夫妻在匯集資產(chǎn)時(shí)獲得的內(nèi)在財(cái)務(wù)責(zé)任，是已婚夫婦比單身伴侶在財(cái)務(wù)上更具優(yōu)勢(shì)的部分原因。根據(jù)圣路易斯聯(lián)邦儲(chǔ)備銀行的研究，2019年25歲至34歲已婚夫婦的凈資產(chǎn)中值幾乎是單身家庭凈資產(chǎn)中值的9倍，高于2010年的4倍?！?/p>

【重點(diǎn)詞匯】

accountability /??ka?nt??b?l?ti/ n. 責(zé)任

pool /pu?l/ v. 集中資源 n. 游泳池

median net worth 凈值中位數(shù)

[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歲的克里斯汀?詹姆斯是德克薩斯州奧斯汀的一名產(chǎn)品經(jīng)理，當(dāng)她第一次開(kāi)始和她現(xiàn)在的丈夫、35歲的初創(chuàng)公司聯(lián)合創(chuàng)始人本約會(huì)時(shí)，她注意到他們開(kāi)始這種關(guān)系時(shí)，對(duì)財(cái)務(wù)的處理方式不同。詹姆斯先生認(rèn)為自己更愿意承擔(dān)金融風(fēng)險(xiǎn)，而詹姆斯太太則更傾向于保守地理財(cái)?！?/p>

【重點(diǎn)詞匯】

conservatively /k?n?s??v?t?vli/ adv. 保守地;謹(jǐn)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.

【詹姆斯太太說(shuō)，他們并沒(méi)有因?yàn)榉制缍l(fā)沖突，反而她丈夫的做法產(chǎn)生了積極的影響。在談過(guò)這件事后，詹姆斯太太改變了自己的職業(yè)生涯，進(jìn)入了科技行業(yè)，最終獲得了更高的薪水。她說(shuō)，如果沒(méi)有丈夫的鼓勵(lì)，她會(huì)覺(jué)得做出如此重大的生活改變是不安全的?！?/p>

【重點(diǎn)詞匯】

secure /s??kj??(r)/ adj. 安心的;有把握的 v. 獲得，實(shí)現(xiàn)

[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.

【她說(shuō)：“他說(shuō)，‘你的價(jià)值遠(yuǎn)遠(yuǎn)超過(guò)你的收入’，他鼓勵(lì)我承擔(dān)更多的風(fēng)險(xiǎn)，以不同的方式挑戰(zhàn)自己?！薄?/p>

[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.

【紐約心理治療公司翠貝卡療法的臨床總監(jiān)、心理治療師馬特?倫德奎斯特說(shuō)，交流財(cái)務(wù)觀念上的差異的夫婦更有能力一起做決定，盡管這種做法最初可能會(huì)讓人覺(jué)得乏味?！?/p>

【重點(diǎn)詞匯】

tedious /?ti?di?s/ adj. 冗長(zhǎng)的;單調(diào)乏味的

psychotherapist /?sa?k???θer?p?st/ n. 心理治療師

[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，一些客戶會(huì)定期在周末出游，并已養(yǎng)成了利用駕車時(shí)間討論財(cái)務(wù)狀況的習(xí)慣。當(dāng)孩子們?cè)谄嚭笞蝽飼r(shí)，父母?jìng)儠?huì)審查他們的預(yù)算狀況，并檢查朝著更長(zhǎng)期目標(biāo)的進(jìn)展情況。】

【重點(diǎn)詞匯】

snooze /snu?z/ 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.

【德克薩斯大學(xué)奧斯汀分校的營(yíng)銷學(xué)教授艾德里安?沃德說(shuō)，兩人交談還可以防止權(quán)力失衡，即一方任命自己為理財(cái)經(jīng)理?！?/p>

【重點(diǎn)詞匯】

appoint /??p??nt/ 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.

【在對(duì)夫妻如何理財(cái)?shù)难芯恐校值陆淌诎l(fā)現(xiàn)，夫妻中經(jīng)常有一方掌管財(cái)務(wù)，這不是因?yàn)樗麄冇懈玫臈l件這樣做，而是因?yàn)樗麄冇懈嗟臅r(shí)間做這項(xiàng)工作。公司內(nèi)部的資金經(jīng)理——沃德教授稱之為“家庭首席財(cái)務(wù)官”——經(jīng)常把另一方排除在決策之外。有時(shí)，對(duì)方會(huì)松一口氣，但隨著時(shí)間的推移，對(duì)方的理財(cái)能力會(huì)受到影響。】

[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.

【他說(shuō)：“盡管一起做決定很難，而且我們都很忙，對(duì)我們中的一個(gè)人來(lái)說(shuō)，這樣做會(huì)容易得多，但這是照顧彼此的最佳長(zhǎng)期方式?！薄?/p>

[15] Marcella Mollon-Williams, a behavioral financial adviser based in Bowie, Md., runs a premarital financial counseling session for couples.

【馬塞拉?莫隆-威廉姆斯是馬里蘭州鮑伊的一名行為財(cái)務(wù)顧問(wèn)，她為夫妻提供婚前財(cái)務(wù)咨詢服務(wù)。】

【重點(diǎn)詞匯】

session /?se?n/ n. 開(kāi)庭期; 會(huì)期;一場(chǎng) (活動(dòng))

[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.

【她在早期的關(guān)系中看到的主要問(wèn)題是：夫妻們經(jīng)常談?wù)撘环较Ｍ硪环奖苊庥盟麄兊腻X做的事情，而不是他們想要在一起做的事情?！?/p>

【重點(diǎn)詞匯】

as opposed to(表示對(duì)比)而，相對(duì)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.”

【她說(shuō)：“談?wù)摻疱X帶來(lái)的欲望，你想要完成的事情。”“當(dāng)你們開(kāi)始一起暢想，確定錢能買到的東西時(shí)，這會(huì)變得更容易。這是一種向前看，然后向后看的過(guò)程?！薄?/p>

【重點(diǎn)詞匯】

accomplish /??k?mpl??/ v. 完成

identify /a??dent?fa?/ v. 確認(rèn);認(rèn)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.

【為了在財(cái)務(wù)上保持一致，克里斯汀和本·詹姆斯每月都會(huì)召開(kāi)一次家庭財(cái)務(wù)會(huì)議。詹姆斯太太說(shuō)，談?wù)撍麄兊哪繕?biāo)、審查財(cái)務(wù)分配以及有時(shí)間就這些話題進(jìn)行溝通，有助于他們將目光放得更遠(yuǎn)?！?/p>

【重點(diǎn)詞匯】

allocation /??l??ke??n/ n. 劃撥的款項(xiàng);撥給的場(chǎng)地

[19] When she’s tempted to scroll through Redfin real-estate listings, she relies on her husband to hold her accountable.

【當(dāng)她想瀏覽Redfin的房地產(chǎn)列表時(shí)，她依賴丈夫幫她把關(guān)?！?/p>

[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.

【“我們可以互相說(shuō)‘我們現(xiàn)在不買新房子’或‘我們現(xiàn)在不買新車’——你有另一個(gè)人讓你變得實(shí)際，”她說(shuō)?！?/p>

【重點(diǎn)詞匯】

ground /ɡra?nd/ n. 地面 v. 以……為依據(jù);使停飛;使變得現(xiàn)實(shí)

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