how much do you make and what's your net worth like are you being shady are you hiding money have you ever been in a relationship where the other person paid

你賺多少錢，你的淨資產是多少？你是不是在隱瞞什麼？你有藏錢嗎？你有沒有談過一段關係是對方付幾乎所有東西的？

for pretty much everything Hello friends welcome back to the channel it's Mickey and it's Kevin anyways for the last video of Finance February and if you didn't know I did a whole month of

幾乎付了所有東西。嗨朋友們，歡迎回到頻道！我是Mickey，他是Kevin。這是理財二月的最後一個影片，如果你不知道的話，我做了一整個月的

Finance videos all of the other ones will be linked down below but this is the last one in the series and of course I had to have none other than my

理財影片，其他所有影片都會在下方連結，但這是系列的最後一集，當然我必須請我在全世界

favorite person in the whole world on So today we're going to be talking about couple's finances and spefic specifically five Financial questions to ask your partner immediately in a healthy serious long-term relationships

最喜歡的人來。所以今天我們要談談情侶理財，特別是在健康、認真的長期關係中，要立刻問伴侶的五個財務問題。

these are things that we both certainly like to address again neither of us are Financial experts neither of us are claiming to be this is more like a

這些是我們倆都想要確定討論的事情。我們都不是財務專家，也不是聲稱自己是，這更像是

FaceTime call between you guys and us like as if you were our bestie which you are jumping into question number one how much do you make and what's your net

你們和我們之間的視訊通話，就像你是我們的閨蜜一樣，因為你就是。跳到第一個問題：你賺多少錢，你的淨

worth that's very spicy first question yes a lot of the things are implied right like if a lot of the current people are doing online dating like what

資產是多少？第一個問題真的很辣。是的，很多事情是可以推斷的，對吧，很多現代人都在用交友軟體，像是什麼

is in your profile like the first thing is like where do you live like what's your job what are your hobbies those things can really imply a lot of how

在你的個人資料上？第一件事是你住哪裡、你做什麼工作、你有什麼興趣，這些事情真的可以暗示很多你

much you make right yeah even on the first date you probably know the title and the company that they work at and based on that information you can do a

賺多少錢，對吧？是的，即使在第一次約會，你可能就知道他們的職稱和公司，根據這些資訊你可以做一個

very quick Google search like this is public information to know roughly ballpark of how much they're making and it's more so just educating yourself in the circumstances cuz you don't want to

非常快速的Google搜尋，這是公開資訊，可以大概知道他們賺多少，這更多是讓自己了解情況，因為你不想

be putting them in a tough spot or putting yourself in a tough spot right so ballpark is really important to know when in the relationship do you think it's appropriate to start actually

把他們置於困境或把自己置於困境，對吧，所以大概知道是真的很重要的。在什麼關係階段你覺得適合開始實際

talking about how much you make well I think once you go on a few dates and like you go do activities together the types of things that you do on a daily

談論你賺多少錢？我覺得一旦你約會幾次，一起做活動，你日常

basis require money right so you should start knowing like how much you spend should correlate with how much you make hopefully it matches it's important to talk about it so you don't have feelings

做的事情需要花錢，對吧，所以你應該開始知道你花多少應該和你賺多少相關，希望它們是匹配的。談論這個很重要，這樣你就不會有

of resentment just like if you don't have the information it's difficult to make educated informed decisions if one person is buying everything and doing something but they're they're okay with

怨恨的感覺，就像如果你沒有這些資訊，很難做出有根據的明智決定。如果一個人在買所有東西和做某些事，但他們

it and then the other person feels like guilty or whatever but they're like oh yeah no I make plenty of money that's fine or versus I don't make enough money

沒問題，然後另一個人覺得內疚什麼的，但他們說「沒關係，我賺很多錢，這沒問題」，或者「我賺的錢不夠

and that's not okay or like what we're not saying is that the more is better right or like one person they have to be equal just need to be talk about it and

這樣不行」。我們不是說越多越好，或者一個人必須賺一樣多，只需要談論它，

be understanding of like what's what each person is doing righted and I think if your partner is not willing to talk about it that a red flag that may be a red flag

並且理解每個人在做什麼，對吧。我覺得如果你的伴侶不願意談論這個，那是一個紅旗，那可能是一個紅旗，

like are you being shady you hiding money like what's the situation right so the second part of that question is what's your net worth and why do you think that's important task the only

就像你是不是在隱瞞什麼？你有藏錢嗎？是什麼情況，對吧。所以那個問題的第二部分是你的淨資產是多少，為什麼你覺得這很重要？唯一

additional Factor it talks about is another serious topic is like families and everything that attaches with that right so like your upbringings may be different some people may have had more

額外的因素是它談到另一個嚴肅的話題，就是家庭和與之相關的一切，對吧，所以你們的成長背景可能不同，有些人可能有更

fortunate backgrounds where you know their families are more supportive financially or they're just you know more well off it's an important conversation to have because first of

幸運的背景，他們的家庭在財務上更支持，或者他們只是更富裕。這是一個重要的對話，因為首先

all in can fluctuate greatly so they may be making a lot of money now and they may not have made a lot of money in the past or vice versa uh regardless the

收入可以大幅波動，所以他們現在可能賺很多錢，過去可能沒有賺那麼多，或者反過來，無論如何

income in itself is not enough to give you the full picture I think a lot of people just don't know like themselves how much it is if you do not know your

收入本身不足以給你完整的畫面。我覺得很多人就是不知道他們自己有多少。如果你不知道你

own net worth whether it's positive or negative regardless it's a very important thing to know I highly recommend like I personally use an app called mint and it links all of your

自己的淨資產，無論是正還是負，這都是非常重要的事情。我強烈推薦，我個人用一個叫mint的app，它連結你所有的

bank accounts credit cards and any Properties investments they can all go in there and then it calculates a net worth for you so that you don't have to

銀行帳戶、信用卡和任何房產投資，都可以放進去，然後它為你計算淨資產，這樣你就不用

do it yourself and it's and also keeps track of like making sure your subscriptions are like you're not like spending money on certain things too much do you did you feel like you knew

自己做，它還追蹤確保你的訂閱不會在某些東西上花太多錢。你覺得在我們交往之前你知道

what your net worth was before we got in our relationship yes because it was just a big negative number from the student loans yeah there wasn't much positive I

你的淨資產嗎？是的，因為那只是一個學生貸款的大負數。沒有多少正的。我

mean I didn't make any money when I met you but now you have paid back some of that loan and you make money now and then's looking a lot more promising yes

說我遇見你的時候沒有賺任何錢，但現在你已經還了一些貸款，你現在賺錢了，看起來更有希望了。是的，

now we're jumping into question number two how much is your spending per month and in what categories so this one I think is very important because your lifestyle related to your spending

現在我們跳到第二個問題：你每個月花多少錢，在哪些類別？我覺得這個非常重要，因為你的生活方式和你的消費

habits are probably going to be the thing that dictates how your relationship is right yeah like if one person is going to the club every weekend and like shelling out if both

習慣可能會決定你們關係的樣子，對吧。是的，如果一個人每個週末都去夜店花大錢，如果兩個人

people want to do that and they have the means to do that that's great fine but if one person's like oh I like to stay at home and eat popcorn and watch movies

都想這樣做而且有能力這樣做，那很好。但如果一個人說「我喜歡待在家裡吃爆米花看電影

and spend like $3 and again like every single relationship is different as long as you have a system that works for both of you that's fine like I don't judge

只花3美元」。而且每段關係都不一樣，只要你們有一個對雙方都有效的系統，那就好。我不評判

other people I hope that other people don't judge me for the way that we do things there's certain things that matter though it's not like finances right but like if you're spending like

別人，我希望別人也不要評判我們做事的方式。有些事情是重要的，不只是財務，對吧，但如果你

$300 on cigarettes every week because you smoke I mean maybe the smoking is bad too but also the finances of it is so let's talk about that because at least personally I definitely have

每週在香菸上花300美元因為你抽菸，可能抽菸本身也不好，但財務上也是問題。讓我們談談這個，因為至少對我個人來說，我確實有

non-negotiables in a relationship and part of that is no smoking because one health reasons but two financially and two uh I cannot date somebody who's a heavy drinker alcohol is not cheap it is

關係中的底線，其中一部分是不抽菸，一是健康原因，二是財務上。而且我不能和重度飲酒的人約會，酒不便宜，

definitely certainly a luxury when you are going to bars and it's like $15 a drink you got to tip the bartender like I know for myself it will not work if

絕對是奢侈品，當你去酒吧一杯飲料要15美元，你還要給調酒師小費。我知道對我來說，如果

I'm dating a heavy drinker and so even before I date someone even before I catch feelings I'm like okay that isn't non-negotiable feel is I also do feel

我在和一個重度飲酒的人約會，這行不通。所以甚至在我約會某人之前，在我動心之前，我就會想這是不是我的底線。我也覺得

like the person needs to be able to it's not really non-negotiable but like they need to be able to like do things that you want to do things like let's say I

那個人需要能夠...這不是完全的底線，但他們需要能夠做你想做的事情，像是假設我

want to go on a hike over the weekend and I like that my partner's like oh I'm I don't know what's the word I'm too unfit or I just don't want to do it

想週末去爬山，而我的伴侶說「我不知道怎麼說，我太不fit了」或者「我就是不想做」

right like Kevin's less concerned about the money and more concerned about the physical health I mean people can get better and worse but like I think it's

對吧，Kevin比較不在意錢，更在意身體健康。我的意思是人可以變好或變差，但我覺得

like mindset of being able to do the things you want to do one totally right number three is your home and Kevin and I I think we started off in the same

是能夠做你想做的事情的心態。完全對。第三是你的住房，Kevin和我覺得我們一開始的想法是一樣的

place we were both like let's just spend the least amount of rent and then as we our incomes have gotten a little higher we have both shifted our mindset to want

，我們都想花最少的房租，然後隨著我們的收入增加，我們的心態都轉變為想要

to be a little bit more luxurious but the most important thing is that we have been very open and honest and Kevin communicates with me almost every single

稍微更奢華一點。但最重要的是我們一直非常開放和誠實，Kevin幾乎每一天都會

day sending me red B links to different houses that he's see what kind of house style you're this is like a yeah and I think we have the same style we like and

發給我Redfin的不同房子連結，看你喜歡什麼風格的房子。這就像是，我覺得我們喜歡同樣的風格，所以

so it works out nicely that's number three housing number four cars you have people who spend a lot of money on a luxury car and perhaps that's very

很順利。這是第三點住房。第四點車子，有些人在豪車上花很多錢，也許這對他們

important to them for me as long as my car has four wheels and it moves that is good enough for me like I don't think I will not drive this Prius like I will

很重要。對我來說，只要我的車有四個輪子而且能動，那就夠好了。我不認為我會換掉這臺Prius，我會

continue to drive this Prius until it breaks down or if my parents need this car then maybe I would give them this car and get a new car but there's no

繼續開這臺Prius直到它壞掉，或者如果我父母需要這臺車，也許我會把這臺車給他們然後買新車，但沒有

reason to upgrade to a new car in my head and also I just don't think it's worth to buy a new car right like you know you can buy like a 3-year-old car

理由在我腦中升級到新車。而且我不認為買新車值得，對吧，你知道你可以買一臺三年的車，

it does the same thing and it's like half the price so I think car cars wise like figuring out like do you need two cars in this relationship how much are

它做同樣的事情而且價格是一半。所以我覺得車子方面，搞清楚你們在這段關係中需要兩臺車嗎，你們要

you going to be spending on gas commuting car related things and expenses are an important conversation to have and number five I have vacation because oh my god do we have friends all

花多少錢在油費、通勤、車相關的事情和開銷上是很重要的對話。第五點我放度假，因為天啊我們有朋友在

over the Spectrum for what what kind of vacationing they like to do like live staying in like a hostel or a capsule Hotel versus staying at like the Four

各種程度上，他們喜歡什麼樣的度假方式，像是住青年旅社或膠囊旅館，還是住在

Seasons everywhere you go some people save up a lot of their savings to go on this big vacation and so having that conversation of what does your vacation

四季酒店，到處都是。有些人存很多錢去這個大旅行，所以談談你的度假

budget look like and once you have all that information for basically how much they spend in a month it should tell you roughly whether your lifestyles are a

預算是什麼樣的。一旦你有了所有這些關於他們每月花多少的資訊，應該可以大概告訴你你們的生活方式是否

match for each other or where there are improvements so that you guys can match each other better we definitely know of people who in the relationship they spend money very differently on

匹配，或者哪裡有改進空間讓你們可以更匹配。我們確實認識一些人，在關係中他們在自己身上和

themselves versus their partner and I think that's when things can be a little sticky yeah but I mean I think it's a conversation like if the other person doesn't want anything that's totally

伴侶身上花錢非常不同，我覺得那時候事情可能會有點棘手。是的，但我覺得這是對話，如果另一個人不想要什麼，那完全

fine yeah yeah and that's that's fine as long as you're both on the same page that's fine if you're okay with your partner spending a lot of money on

沒問題，是的，那沒問題，只要你們都在同一頁上就好。如果你能接受你的伴侶在

themselves then that's fine just I'm telling you guys also like my personal I think it's money is a big portion but like if you think about it it just like

自己身上花很多錢，那就好。我只是告訴你們，我個人認為錢是很大一部分，但如果你想想，

how much you're contributing to the relationship pie right like let's say you have you know children are dependant or animals or other things like the other person is like spending they like

你對關係的貢獻有多少，對吧，假設你有孩子或寵物或其他東西，另一個人在花錢，他們

a stay-at-home person right or like their elderly parents like you know what I mean they as long as you're like doing something for the F for for the relationship or for themselves then like

是全職在家的人，對吧，或者他們年邁的父母，你知道我的意思，只要你為家庭或為自己做某些事，那

that's really important I like that you brought up that point because it's not about a onetoone return of like dollar to dollar it's your contribution and effort to the family what is your ideal

真的很重要。我喜歡你提到這一點，因為這不是一比一美元對美元的回報，而是你對家庭的貢獻和努力。你理想的

split for how finances are handled I think it's like probably fine at the beginning to be clear about splitting relationships it makes like if the relationship doesn't work out then it's

財務分配是怎樣的？我覺得一開始清楚分開可能是好的，這樣如果關係不成功，

probably it's easier to say bye-bye when things are like still separate right like it's like doesn't work which is totally fine and I think the split is a difficult thing because in different

可能更容易說再見，當事情還是分開的時候，對吧，如果不成就是不成，這完全沒問題。我覺得分配是困難的事情，因為在不同的

cultures and different Customs the way that you were raised is is going to severely impact the way that you perceive this situation even down to who should pay for the first date there's so

文化和不同習俗中，你被撫養的方式會嚴重影響你看待這個情況的方式，甚至到誰應該付第一次約會的錢，有太多

many varying opinions on that do you think a 50/50 split is ideal when you're starting a relationship or what's your take it doesn't have to be 50/50 but as

不同的意見。你覺得在開始一段關係時50/50分配是理想的嗎，還是你怎麼看？不一定要50/50，但只要

long as both people are contributing right like let's say like oh this meal I'll pay for but it's like you know it's not like as fancy of a meal and the next

兩個人都有貢獻，對吧，像是「這頓飯我付」但不是那麼高檔的餐，然後下一

meal is like oh thank you for getting me that meal and then they'll take it doesn't have to be like oh like I I remember they paid for a meal and it was

頓飯是「謝謝你請我那頓飯」然後他們會請。不一定要「我記得他們付了那頓飯是

$72 between the two of us next time if it was only $40 yeah right like as long as it feels like but then again like some people

兩個人72美元」下次如果只有40美元，對吧，只要感覺是...但話說回來，有些人

like to keep track of it down to the tea and that's okay for both of us I think it's an ick just because that's not how I was raised I don't treat other people

喜歡精確追蹤，那對我們倆來說沒問題。我覺得那是一個讓我不舒服的點，只是因為那不是我被撫養的方式，我不那樣對待別人

like that and so in the same way I would hope that other people don't treat me like that and I think it's you're allowed to shift this as time goes on

所以同樣的，我希望別人也不會那樣對我。我覺得你可以隨著時間改變這個，

right like maybe initially when you're dating you don't have all the information about how much they're making and how much you're making right and so maybe you start off with

對吧，也許一開始約會時你沒有所有關於他們賺多少和你賺多少的資訊，所以也許你一開始

something 50/50 and then later on you decide that perhaps the person who is making more is also able to help contribute a little bit more and then

50/50，然後後來你決定也許賺更多的人也能貢獻多一點，然後

that split shifts a little bit have you ever been in a relationship where the other person paid for pretty much everything yeah I guess I mean I also

那個分配改變一點。你有沒有過一段關係是另一個人付幾乎所有東西的？有，我想...我也

have should we talk about this it's kind of juic no no but I think when I was in medical school I made like zero money like even

有，我們應該談這個嗎？這有點八卦。不不，但我覺得當我在醫學院的時候，我賺的錢是零，甚至

like a lot of my friends would just pay for my stuff cuz they were in Tech right and they had a lot of money they were just nice to me and they would just

我很多朋友會付我的東西，因為他們在科技業，對吧，他們有很多錢，他們對我很好，會

cover my portion a lot of the times so okay number five and finally what does retirement look like to you I want to retire at a time where I'm still like

很多時候幫我付。好的，第五點最後，退休對你來說是什麼樣的？我想在我還能

physically able to do all the things I want to do and like my kids are not old mhm there's like two types of retirements one like work to work and

體力上做所有我想做的事情時退休，而且我的孩子還不老。有兩種退休，一種是為工作而工作，

two like I like you know there's lots of things I like being doctor like it's your eeky guy yeah so I think the first purpose is to be like oh I don't need to

另一種是我喜歡...你知道，有很多我喜歡當醫生的事情，這是你的ikigai。是的，所以我覺得第一個目的是「我不需要

work to make money yeah and then two I'll just do stuff to you know help people and make me like feel better again like we're big fans of the fire movement it's called Financial

為錢工作」，然後第二是我就做一些事情來幫助人們讓自己感覺更好。我們是FIRE運動的大粉絲，它叫財務

Independence retire early and we are big promotant of the financial Independence part and so that's like your Fu money how much money do you need to be able to

獨立提早退休，我們是財務獨立部分的大支持者，那就像是你的f-you錢，你需要多少錢才能

quit everything and like stop working all together if that were your choice right so our goal obviously is to reach that number as quickly as possible while still not depriving ourselves of having

放下一切停止工作，如果那是你的選擇，對吧。所以我們的目標顯然是儘快達到那個數字，同時不剝奪自己

a happy and enjoyable life experience like we're not like we can't go out to eat because this is going to set us back two calendar days from the retirement schedule that be

快樂和享受的生活體驗。我們不會說「我們不能出去吃飯因為這會讓我們的退休計畫延後兩天」那會是

crazy like why did you buy this this puts us back two day two hours the re the retirement early I think we both like I truly believe in

瘋狂的，「你為什麼買這個？這讓我們延後兩天兩小時退休」。我覺得我們都真心相信

the eeky guy if you have not read above related to that topic you definitely should so it's having a purpose for your life because what are you going to do

ikigai，如果你還沒讀過相關書籍，你絕對應該讀。這是為你的生活找到目的，因為你退休後要做什麼？

like do nothing on the beach like that's probably fun for a month maybe a year but you can't do that forever you need some sort of purpose whether it's volunteering whether it's breeding like

什麼都不做在海灘上？那可能有趣一個月，也許一年，但你不能永遠這樣做，你需要某種目的，無論是志願服務、是編織、

crocheting what's your hobby what do you like to do and for us retirement looks like having the flexibility to decide what we want to do with our lives it

是鉤針編織。你的興趣是什麼？你喜歡做什麼？對我們來說，退休看起來是有彈性決定我們想怎麼過生活。

doesn't mean I'm retiring and not doing anything it means that we get to choose what we want to do before that our priorities would be to send all of our

這不意味著我退休什麼都不做，這意味著我們可以選擇我們想做什麼。在那之前，我們的優先是把所有

kids however many we have to college we would like to pay for their definitely not sex but we'd like to put them through undergrad right yes do you agree

孩子，不管我們有多少個，送去大學。我們想付他們的...絕對不是六位數，但我們想幫他們完成大學本科。對吧，你同意嗎？

if they want to go to undergrad but I think for us us retirement doesn't look like a super luxurious um we're not staying in a mansion or anything for us it's more

如果他們想讀大學的話。但我覺得對我們來說，退休不像是超級豪華的，我們不會住在大豪宅裡，對我們來說更

just like you know Road I hope that when we go on get to retirement it's not like one day we just like have a celebration and like we stop doing stuff it

像是...你知道，我希望當我們退休的時候，不是有一天我們慶祝然後停止做事情，

shouldn't change like too much that's it we talked about all five topics all right does that mean we can't get married yeah I guess so do we have

不應該改變太多。就這樣，我們談了所有五個話題。好的，這是不是意味著我們可以結婚了？是的，我猜是的。我們有

anything that we don't like about each other we have been very transparent with each other I know it is not an easy thing to accomplish and again I would do

任何不喜歡對方的地方嗎？我們一直對彼此非常透明，我知道這不是一件容易做到的事，我建議

this in Parts you do not have to do this all in one go and I think there are certain situations Milestones where it like automatically will come up and it's

分階段做，你不必一次全部做完。我覺得有些情況、里程碑會自然出現，然後由你

your decision whether or not you want to share them right like one you're definitely going to go on your first V vacation together right right there's other things like if you decide to move

決定要不要分享，對吧，第一你們肯定會一起去度假，對吧，還有其他事情，如果你們決定

in together like those things are it's very natural to talk about those yeah cuz you probably have to submit proof of income you need to have at least three

一起搬進去，那些事情很自然會談到。是的，因為你可能必須提交收入證明，你需要至少

to five times to your rent right I love you good luck to everybody out there yes and I hope you found this video enjoyable useful if you have any

三到五倍的房租，對吧。我愛你。祝大家好運，是的，我希望你們覺得這個影片有趣有用。如果你有任何

feedback for us or any suggestions feel free to leave them in the comments below and we'll see you guys next week bye l

回饋或建議，歡迎在下方留言，我們下週見。掰！