評論
打印
1 What Are Your Assets and Liabilities?
問題一：你的資產和負債狀況如何？
This question is paramount because assets and liabilities are the basic building blocks of the financial life you'll live together. Assets (banks accounts, investments, retirement plans and a house) help you strive for the life you want. The liabilities (a mortgage, credit-card debt, auto loans and leases) will hold you back.
這個問題至關重要，因為資產負債狀況是夫妻共同財務生活的基石所在。資產（銀行存款、投資理財、退休計劃和持有房產等）能讓你過上自己想要的幸福生活，負債（住房抵押貸款、信用卡債務、汽車貸款和租車費用等）則把你往相反的方向拉。
Your goal is to pinpoint where you are financially as a couple so that you can map out where you want to go together. That could mean determining how much you want to save each month for retirement, or how much you want to put into an account for a new house, a new car or an annual vacation.
你的目標是要準確了解雙方共同的財務狀況，這樣才能規劃出兩人今后的奮斗目標，包括決定每月存多少錢用于退休生活，或者存多少錢來買一棟新房子、一輛新汽車或每年出去度一次假。
It also could mean talking about how you each use debt and the amount of debt you each have -- and mapping out a plan to pay off as quickly as possible the combined debt you will have as a family.
這個話題的交流還包括雙方如何選擇負債，以及負債的具體金額，并擬定一個計劃，在盡可能短的時間里償還雙方組建家庭后的共同債務。
The best way to approach this: Present each other with a copy of your net-worth statement, a simple list of all your assets and liabilities. And voice no judgments. Mocking a partner's choices will simply lead to future silence.
討論的最佳方式是：給對方一份自己的凈價值表，簡明扼要地列出你的資產和負債項目。記住，不要妄加評判，嘲笑對方的財務選擇會直接切斷雙方未來的交流途徑。
