There are few relationships more complicated than the one we have with money.
很少有什么关系比我们与金钱的关系更复杂的了。
Some of us are intimate with our finances, endlessly doing research and keeping track of every penny. Others are more distant; they have a general idea of where their money is going, but aren't sure if it's the right move or if it's enough. Then there are the emotional ones, those who cling to money at the wrong times and make impulsive decisions.
我们有些人密切关注自己的财务状况，无休止地进行研究、跟踪每一分钱的去向。其他人与金钱的关系则更为疏远；他们对自己钱财的去向有大体的了解，不过不肯定是否正确或是否充分。还有一些感情用事的人，他们在错误的时间握着钱不放，冲动地做出决定。
So, what kind of investor and saver are you?
那么，你属于哪种投资者和储蓄者呢？
Not sure? Ask yourself these questions: Do I consistently keep track of my spending? And do I do so weekly, monthly or annually? Do I feel that I'm OK financially as long as my checks don't bounce? Do I plan and save for big purchases or do I buy on a whim?
无法确定？问自己如下问题：我是否始终如一地跟踪自己的支出情况？我是每周、每月还是每年查一次？只要我的支票没有被退回来，我就感觉自己的财务状况还不错？我买大件商品的时候，是有计划的、并且会为此存钱，还是凭着一时冲动？
There also are online quizzes, such as J.P. Morgan Chase's 'Financial Styles' found at ChaseFinancialStyle.com, that can help you determine your investing and saving profile.
网上测试也可以提供帮助，比如摩根大通(J.P. Morgan Chase) ChaseFinancialStyle.com网站上提供的“理财风格”测试。这些测试可以帮助你确定自己的投资和储蓄风格。
Once you determine your style, you can use certain strategies and tools to reinforce the positive aspects of your approach -- and contain the negative ones.
一旦确定了自己的风格，你就能用一定的战略和工具来巩固其中有利的方面，控制不利的方面。
Understanding your financial approach can help you figure out where your 'strategy is most vulnerable to pitfalls or problems,' says Hersh Shefrin, a professor of behavioral finance at Santa Clara University who helped J.P. Morgan Chase develop its quiz.
圣克拉拉大学(Santa Clara University)行为金融学教授舍夫林(Hersh Shefrin)说，弄清自己的理财方式可以帮助你认清自己的“战略在哪些地方最容易陷入陷阱或出现问题”。他帮助摩根大通开发了“财务风格”测试。
The Analytical Investor
分析型投资者
You're a stickler for details and data. And while it's good to be thorough with your research, if taken to an extreme people can forget to take their personal situation and goals into account when making financial and investment decisions.
你拘泥于细节和数据。虽然进行全面的研究是好事，但如果做得过头了，在做理财或投资决策时，就可能会忘记考虑自己的个人情况和目标。
This type of investor can get hit with what some advisers call 'analysis paralysis,' where they have trouble making decisions because they can't help thinking there is always more research to be done.
这类投资者可能会受到一些咨询人士所说的“分析瘫痪症”的打击。在这种情况下，他们难以作出决策，因为他们禁不住地会想总有更多的研究要做。
'They're what I call 'see mores' -- they always want to see more,' says Bryan Place, founder of Place Financial Advisors, a financial-planning firm in Manlius, N.Y. 'Rather than overwhelming themselves and spending too much time digging through content,' they should limit themselves to three or four reliable sources, he says.
纽约州理财公司Place Financial Advisors的创始人普雷斯(Bryan Place)说，他们就是我所说的“信息挖掘派”，他们总想知道更多的信息。普雷斯说，他们不应该让自己应付不过来、花费太多的时间在挖掘内容上，而是应 该把自己限制在3到4个可靠的信息来源上。
If you have a tendency to delay acting on your financial goals, Mr. Place says, make a list of the pros and cons and give yourself a deadline to decide -- and stick to it.
普雷斯说，如果你在朝着自己的理财目标努力方面有拖延的倾向，那么就列出各种利弊，给自己设一个做出决定的最后期限，并要恪守期限。
While you may be great at budgeting, you might benefit from online expense-tracking tools offered by Mint.com or financial-planning software from Quicken (quicken.intuit.com) that can help you distance yourself from your day-to-day transactions to recognize spending and saving trends over time.
你或许很擅长做预算，但仍可能会从Mint.com网站提供的在线支出跟踪工具或Quicken提供的理财软件（网址为quicken.intuit.com）中获益，它们可以帮助你避免过于关注每日的交易，而是认识到长期的支出和储蓄趋势。
At Mint.com, you can build graphs that show how your spending, income, debt or net worth has changed over a specific period. You also can see changes in spending in certain categories, such as groceries.
在Mint.com网站，你可以构建图表，显示某个特定时期支出、收入、负债或净资产的变化情况。你还可以察看某些方面的支出变化情况，比如在买菜上的开销。
The Big-Picture Investor
粗放型投资者
You know your bottom line, but you don't keep track of every transaction or plan every action or expense. While this approach can be less stressful if you're able to consistently save and meet your financial goals, it can leave you unsure about exactly where your money is going and where you can cut back.
你知道自己的底线在哪里，不过你不会跟踪每一笔交易，或对每一个行动和每一笔支出进行计划。如果你能始终如一地存钱、达到自己的理财目标，这种做法的压力会较小。不过，你可能无法确定自己的钱都到了哪里，可以在哪些方面减少投资。
To avoid falling into a set-it-and-forget-it routine and ending up with outdated and unsuccessful strategies for investing and saving, review your strategies at least once a year. For instance, the retirement-savings plan you started five years ago might not be on pace to fund the lifestyle you live today given the recession, so re-evaluate allocations at least once a year, says Carlo Panaccione, a financial planner in Redwood Shores, Calif.
为了避免陷入“决定完了就不再过问”的套路，避免 以过时、失败的投资储蓄战略告终，你需要至少每年审视一下自己的战略。加州的一位理财顾问帕纳乔内(Carlo Panaccione)说，举例来讲，由于衰退的出现，5年前你开始的退休储蓄计划可能无法满足眼下的生活方式，因此至少每年要对自己的资产配置重新评估 一下。
Break down your expenses into two categories: 'necessities,' which would include mortgage payments, utility bills and food; and 'lifestyle,' optional costs such as cable television and gym memberships, says Larry Rosenthal, a financial planner near Washington, D.C. Tools at Mint.com and Quicken's software allow you keep track of spending in each category.
华盛顿特区附近的理财顾问罗森塔尔(Larry Rosenthal)说，把自己的支出分成两个类别：必需品和非必需品。必需品包括抵押贷款还款、水电费和食品，非必需品包括有线电视和健身卡。 Mint.com 网站上的工具和Quicken的软件使你可以跟踪每个类别中的支出。
To monitor your spending, use a debit card or credit card instead of cash, says Mr. Place, and look at your accounts online at least once or twice a week. But make sure to pay off the credit-card balance each month.
普雷斯说，为了监控自己的支出情况，你要使用借记卡或信用卡，而不是现金；并且至少每周察看一两次网上帐户。不过，你要确保每个月把信用卡欠帐还清。
Meanwhile, online calculators such as the one offered by Discover Financial Services, discoverbank.com/calculators.html, can help you devise a monthly plan for reaching a long-term savings goal.
与此同时，像Discover Financial Services （网址为discoverbank.com/calculators.html）提供的这类网络计算器可以帮助你设计为实现长期储蓄目标每个月该有怎样的计划。
The Emotional Investor
冲动型投资者
Emotional investors are reactionary, often making financial decisions based on what's happening at the moment and ignoring long-term needs and goals.
感情用事的投资者往往冲动行事，常常以眼下的情况为基础作出理财决策，而忽视长期的需求和目标。
'They might look at it as 'Gee, my kid's education is really coming up soon, I have to focus on that and kind of put their retirement on the back burner,' says Mr. Panaccione.
帕纳乔内说，他们可能这样想：哎呀，我孩子的教育很快就得开始了，我必须专注这个问题，把我的退休计划放到一边。
For such investors, he suggests creating two lists: one with short-term goals, such as a vacation or car purchase, and one with long-term goals, such as saving for retirement.
对于这类投资者，他建议列出两份清单：短期目标，比如度假和买车；长期目标，比如为退休存钱。
Then, set up savings or investing accounts for each goal -- one account for, say, the purchase of a house, one for retirement and another for college tuition. To ensure that each portion is funded consistently, set up automatic deposits to each account, says Mr. Rosenthal.
然后，为每个目标开个储蓄或投资帐户。比如，一个帐户是为买房用的，一个为退休，一个为大学学费。罗森塔尔说，为了确保每个部分都有持续不断的资金，你需要为每个帐户开设一个自动存款功能。
Matt Havens, partner at Global Vision Advisors, a financial-services firm in Hingham, Mass., suggests forcing yourself to plan for emergencies by building a cash reserve to cover at least six months of expenses. Having that safety net will help you avoid an impulsive move.
马萨诸塞州金融服务公司Global Vision Advisors 合伙人黑凡斯(Matt Havens)建议，建立一个至少满足6个月支出的现金储备，从而强迫自己制定应急计划。有了这样的安全网络，就可以帮助你避免冲动行动。
And when it comes to investing, don't make drastic changes to your asset allocation. 'A main weakness of this group is that they tend to buy high and sell low because of emotion and fear,' says Bryan Hopkins, a financial planner in Anaheim Hills, Calif. It might help to sit down with a planner to create a long-term investment plan.
在投资方面，不要大幅改变自己的资产配置。加州一位理财顾问霍普金斯(Bryan Hopkins)说，感情用事型投资者的一个主要弱点是，他们往往受情绪和恐惧的倾向而高买低卖。和一位理财顾问坐下来一起制定一个长期的投资计划，这样做或许有帮助。