首页 500强 活动 榜单 商业 科技 商潮 专题 品牌中心
杂志订阅

家庭在谈金钱话题时,应遵循这三条沟通规则

Glenn Kurlander
2026-02-23

它们不仅能让正式的家庭会议更成功,也能让日常的家庭互动更富有成效。

文本设置
小号
默认
大号
Plus(0条)

洛根·罗伊显然没有遵循这些规则。图片来源:Jamie McCarthy/Getty Images

经常有人问我,如何成功召开家庭会议。这类问题通常关注事务性细节:选择合适的地点;确定适当的参与者;制定最有效的议程;安排最恰当的时间。虽然这些都很重要,但不出所料的是,提问者往往会忽略最关键、也最具挑战性的部分:如何把控对话本身。

家庭的复杂性众所周知:即便再深思熟虑的人,也难免会说出事后追悔莫及的话,或听到一些过于刺耳的言语。

在家庭中,最艰难的对话往往不在于表面上的言辞,而在于言语背后层层叠加的情绪,例如那些没有说出口的期待、旧日的失望、未愈合的情感创伤、酝酿了数十年的怨怼。有时,如果我们足够幸运,在这些负面情绪背后,还会隐藏着深层的温情。简而言之,正如福克纳在《修女安魂曲》(Requiem for a Nun)中的那句话:“过去从未消逝,甚至从未过去。”

当层层叠叠的情绪相互碰撞时,即便再深思熟虑的人,也难免会说出事后追悔莫及的话,或听到一些过于刺耳的言语。多年来,我一直尝试帮助家庭遵循三条规则——我相信,它们不仅能让正式的家庭会议更成功,也能让日常的家庭互动更富有成效。我在自己的家庭生活和职业实践中,也始终在努力践行这些规则。因为我和所有人一样,都存在“致命”缺陷——我也是人,所以并不总是能成功。但只要我能够遵循这些规则,就能获益良多。

以下是我建议所有家庭遵循的三条规则。

1. 稍作停顿

看过警队题材剧集《警之光》(Blue Lights)的观众,应该对剧中人物格里·克利夫的这句口头禅印象深刻。该剧讲述了北爱尔兰警察局三名见习警员以及负责训练他们的资深警官的故事。(顺带提一句,如果你还没看过,这部剧值得一看,剧情非常精彩。)这条规则看似简单,却蕴含深意,它不仅适用于管理对话,也适用于生活的方方面面:在回应或行动之前,请先稍作停顿。

当家人说出触发我们情绪的话时,身体的反应往往先于大脑的理解。我们会心跳加快、呼吸急促、思维进入“战斗模式”。这是人类进化形成的生理机制在发挥作用:“战或逃”机制启动,杏仁核先于前额叶皮层作出反应。

稍作停顿便能打断这种本能反应。它为理性和共情的思考争取时间,让情绪反应不再独占上风;也为我们从应激反应转向冷静反思创造空间。

这种停顿不必太久。可能只是一次呼吸的时间,或者一句简单的话:“让我想一想。”在这瞬息之间,我们便能恢复镇定,从被情绪和生理反应裹挟,回归有意图的理性思考。

这种有意为之的停顿,足以改变全局。它传递出冷静的信号,树立了自我克制的典范,更能营造出一种氛围,邀请他人以同样的姿态与我们对话。

2. 在开口之前要“三思”

在开口说话之前,先快速思考以下三个关键问题:

1. 我真的需要说吗?

并不是每一句话都是有用的,哪怕它是事实。我们并不总是需要证明自己是对的。有时沟通需要的是克制,有些话或许没有必要说出口。问问自己:说这句话是为了维护关系,还是只是为了赢得争论?

2. 我需要现在就说吗?

时机是沟通中至关重要且可控的变量。有些话虽然是真实且必要的,但如果在错误的时机说出来,效果可能适得其反。有时候,等到所有人情绪平复、心态开放时再表达,效果更佳。

3. 我需要用这种表达方式吗?

我们选择的措辞、语气、语速、肢体语言,都会决定对方把信息理解为引导还是评判,感知为共情还是傲慢。语气既可以治愈人,也可以让关系僵化。在表达时,应选择善意、温暖和共情的语气,而非聪明、机智、高人一等的姿态。

这套“三重压力测试”如同极其有效的过滤器。它能确保我们说出的话,真正服务于我们最想达成的目标,即巩固彼此的关系。

3. 坚守方向,不受情绪左右

每个家庭都有自己的“天气变化”:突如其来的狂风骤雨、漫长的干旱期,甚至偶尔来上一场飓风;当然,也会有温暖晴朗的日子。我们无法控制家庭的情绪氛围,就像无法控制自然界的天气一样,但我们可以选择坚守自己的方向。

这个方向指的是我们的核心价值观——善良、慷慨、共情、忠诚、稳重、尊重、真实和爱。这些是恒定不变的。而情绪、误解、沮丧、失望等则如同“天气”一样变幻无常。

当我们能够辨识并始终牢记二者的区别,就不那么容易被每次情绪爆发所左右。此时,引导我们行为的不是一时冲动,而是原则。

这并不意味着消极或冷漠,而是在他人状态不佳时(尤其是在这种时候),我们依然保持内心稳定。这意味着拒绝让一场短暂的风暴,造成永久性的伤害。

在具体行为上表现为:

• 当别人提高嗓门时,我们应尽量放低声音;

• 当对话开始偏向指责时,努力把它拉回理解本身;

• 当他人沉溺于当下情绪时,我们坚持长远眼光。

信任来自一致性,而非完美无缺。我们无法向亲人保证自己永不犯错;但当他们清楚我们的方向,并看到我们始终如一地朝着方向前行时,便会自然而然地产生信任与安定感。

融和运用

这三条规则相辅相成,相互增强:

稍作停顿,为对话创造空间;

检验措辞,让表达更加清晰;

坚守方向,帮助关系恢复平衡。

三者共同作用,推动对话从应激反应转向理性反思;从防御对抗转向情感联结。

它们所传递的核心理念是:管理家庭沟通的关键不在于控制,而在于保持稳定。事实上,家庭并不是需要被“解决”的问题,而是需要被悉心照料的生态系统。最好的做法是学会以耐心、优雅、从容的态度,应对家庭情绪和氛围的变化。

本文所表达的观点和意见仅代表作者个人的立场,不代表摩根士丹利财富管理部(Morgan Stanley Wealth Management)或其关联方的观点。所有观点如有变更,恕不另行通知。文中的信息及所表达的任何观点,均不构成对任何证券买卖的招揽或推荐。过往业绩不代表未来表现。

摩根士丹利财富管理部为摩根士丹利美邦公司(Morgan Stanley Smith Barney LLC)(简称“摩根士丹利”)旗下的业务部门。

文中信息来自多个被认为可靠的数据来源,但摩根士丹利不对外部来源数据的准确性或完整性作出任何声明。

摩根士丹利及其关联方以及摩根士丹利的财务顾问和私人财富顾问不提供税务或法律建议。客户在涉及税务及税务规划事宜时,应咨询其税务顾问;在涉及信托与遗产规划、慈善捐赠、公益规划及其他法律事务时,应咨询其律师。

© 2025 Morgan Stanley Smith Barney LLC。SIPC 成员。CRC 4999408 11/2025

Fortune.com上发表的评论文章中表达的观点,仅代表作者本人的观点,不代表《财富》杂志的观点和立场。(财富中文网)

译者:刘进龙

审校:汪皓

经常有人问我,如何成功召开家庭会议。这类问题通常关注事务性细节:选择合适的地点;确定适当的参与者;制定最有效的议程;安排最恰当的时间。虽然这些都很重要,但不出所料的是,提问者往往会忽略最关键、也最具挑战性的部分:如何把控对话本身。

家庭的复杂性众所周知:即便再深思熟虑的人,也难免会说出事后追悔莫及的话,或听到一些过于刺耳的言语。

在家庭中,最艰难的对话往往不在于表面上的言辞,而在于言语背后层层叠加的情绪,例如那些没有说出口的期待、旧日的失望、未愈合的情感创伤、酝酿了数十年的怨怼。有时,如果我们足够幸运,在这些负面情绪背后,还会隐藏着深层的温情。简而言之,正如福克纳在《修女安魂曲》(Requiem for a Nun)中的那句话:“过去从未消逝,甚至从未过去。”

当层层叠叠的情绪相互碰撞时,即便再深思熟虑的人,也难免会说出事后追悔莫及的话,或听到一些过于刺耳的言语。多年来,我一直尝试帮助家庭遵循三条规则——我相信,它们不仅能让正式的家庭会议更成功,也能让日常的家庭互动更富有成效。我在自己的家庭生活和职业实践中,也始终在努力践行这些规则。因为我和所有人一样,都存在“致命”缺陷——我也是人,所以并不总是能成功。但只要我能够遵循这些规则,就能获益良多。

以下是我建议所有家庭遵循的三条规则。

1. 稍作停顿

看过警队题材剧集《警之光》(Blue Lights)的观众,应该对剧中人物格里·克利夫的这句口头禅印象深刻。该剧讲述了北爱尔兰警察局三名见习警员以及负责训练他们的资深警官的故事。(顺带提一句,如果你还没看过,这部剧值得一看,剧情非常精彩。)这条规则看似简单,却蕴含深意,它不仅适用于管理对话,也适用于生活的方方面面:在回应或行动之前,请先稍作停顿。

当家人说出触发我们情绪的话时,身体的反应往往先于大脑的理解。我们会心跳加快、呼吸急促、思维进入“战斗模式”。这是人类进化形成的生理机制在发挥作用:“战或逃”机制启动,杏仁核先于前额叶皮层作出反应。

稍作停顿便能打断这种本能反应。它为理性和共情的思考争取时间,让情绪反应不再独占上风;也为我们从应激反应转向冷静反思创造空间。

这种停顿不必太久。可能只是一次呼吸的时间,或者一句简单的话:“让我想一想。”在这瞬息之间,我们便能恢复镇定,从被情绪和生理反应裹挟,回归有意图的理性思考。

这种有意为之的停顿,足以改变全局。它传递出冷静的信号,树立了自我克制的典范,更能营造出一种氛围,邀请他人以同样的姿态与我们对话。

2. 在开口之前要“三思”

在开口说话之前,先快速思考以下三个关键问题:

1. 我真的需要说吗?

并不是每一句话都是有用的,哪怕它是事实。我们并不总是需要证明自己是对的。有时沟通需要的是克制,有些话或许没有必要说出口。问问自己:说这句话是为了维护关系,还是只是为了赢得争论?

2. 我需要现在就说吗?

时机是沟通中至关重要且可控的变量。有些话虽然是真实且必要的,但如果在错误的时机说出来,效果可能适得其反。有时候,等到所有人情绪平复、心态开放时再表达,效果更佳。

3. 我需要用这种表达方式吗?

我们选择的措辞、语气、语速、肢体语言,都会决定对方把信息理解为引导还是评判,感知为共情还是傲慢。语气既可以治愈人,也可以让关系僵化。在表达时,应选择善意、温暖和共情的语气,而非聪明、机智、高人一等的姿态。

这套“三重压力测试”如同极其有效的过滤器。它能确保我们说出的话,真正服务于我们最想达成的目标,即巩固彼此的关系。

3. 坚守方向,不受情绪左右

每个家庭都有自己的“天气变化”:突如其来的狂风骤雨、漫长的干旱期,甚至偶尔来上一场飓风;当然,也会有温暖晴朗的日子。我们无法控制家庭的情绪氛围,就像无法控制自然界的天气一样,但我们可以选择坚守自己的方向。

这个方向指的是我们的核心价值观——善良、慷慨、共情、忠诚、稳重、尊重、真实和爱。这些是恒定不变的。而情绪、误解、沮丧、失望等则如同“天气”一样变幻无常。

当我们能够辨识并始终牢记二者的区别,就不那么容易被每次情绪爆发所左右。此时,引导我们行为的不是一时冲动,而是原则。

这并不意味着消极或冷漠,而是在他人状态不佳时(尤其是在这种时候),我们依然保持内心稳定。这意味着拒绝让一场短暂的风暴,造成永久性的伤害。

在具体行为上表现为:

• 当别人提高嗓门时,我们应尽量放低声音;

• 当对话开始偏向指责时,努力把它拉回理解本身;

• 当他人沉溺于当下情绪时,我们坚持长远眼光。

信任来自一致性,而非完美无缺。我们无法向亲人保证自己永不犯错;但当他们清楚我们的方向,并看到我们始终如一地朝着方向前行时,便会自然而然地产生信任与安定感。

融和运用

这三条规则相辅相成,相互增强:

稍作停顿,为对话创造空间;

检验措辞,让表达更加清晰;

坚守方向,帮助关系恢复平衡。

三者共同作用,推动对话从应激反应转向理性反思;从防御对抗转向情感联结。

它们所传递的核心理念是:管理家庭沟通的关键不在于控制,而在于保持稳定。事实上,家庭并不是需要被“解决”的问题,而是需要被悉心照料的生态系统。最好的做法是学会以耐心、优雅、从容的态度,应对家庭情绪和氛围的变化。

本文所表达的观点和意见仅代表作者个人的立场,不代表摩根士丹利财富管理部(Morgan Stanley Wealth Management)或其关联方的观点。所有观点如有变更,恕不另行通知。文中的信息及所表达的任何观点,均不构成对任何证券买卖的招揽或推荐。过往业绩不代表未来表现。

摩根士丹利财富管理部为摩根士丹利美邦公司(Morgan Stanley Smith Barney LLC)(简称“摩根士丹利”)旗下的业务部门。

文中信息来自多个被认为可靠的数据来源,但摩根士丹利不对外部来源数据的准确性或完整性作出任何声明。

摩根士丹利及其关联方以及摩根士丹利的财务顾问和私人财富顾问不提供税务或法律建议。客户在涉及税务及税务规划事宜时,应咨询其税务顾问;在涉及信托与遗产规划、慈善捐赠、公益规划及其他法律事务时,应咨询其律师。

© 2025 Morgan Stanley Smith Barney LLC。SIPC 成员。CRC 4999408 11/2025

Fortune.com上发表的评论文章中表达的观点,仅代表作者本人的观点,不代表《财富》杂志的观点和立场。(财富中文网)

译者:刘进龙

审校:汪皓

I’m often asked for tips about how to run successful family meetings. The questions usually focus on matters of logistics: choosing the right venue; selecting the appropriate attendees; structuring the most effective agenda; and finding the best time. While these are all important matters, not surprisingly, the inquiries typically ignore the critical and most challenging element: how to manage the conversation itself.

You know how family is: even the most thoughtful among us can say things we later regret, or hear things that sting more deeply than they should.

In families, the hardest conversations are often not about what’s being said; instead, they’re about the layers that exist behind and underneath what’s being said — unspoken expectations, old disappointments, unhealed emotions, resentments that have brewed and fermented for decades. Sometimes, if we’re lucky, there’s an underlying affection that hides behind the frustration. In short, as Faulkner wrote in Requiem for a Nun: “The past is never dead. It’s not even past.”

When those layers collide, even the most thoughtful among us can find ourselves saying things we later come to regret, or hearing things that sting more deeply than they should. Over the years, I’ve tried to help families adhere to three rules that I believe provide hope for driving not just more successful formal family meetings, but more fruitful daily family interactions as well. I’ve tried to apply them in my life within my own family and in my professional life as well. Because I suffer from the literally fatal flaw we all do — I’m human — I’m not always successful. But when I am able to follow these rules, I find that I benefit immensely.

Here are the three rules I suggest families follow.

1. Take a Beat

Viewers of that great police procedural TV show Blue Lights about three probationary officers in the Police Service of Northern Ireland and the senior officers who train them will immediately recognize that line as the guiding mantra of Gerry Cliff. (And by the way, if you haven’t seen the show, you must — it’s fabulous. You’ll thank me later.) It’s a deceptively simple rule, and it has application not just for managing conversations but for all of life: before responding, before acting, take a beat.

When a family member says something that triggers us, our body reacts before our brain has had a chance to interpret. Our pulse races, our breath quickens, our mind goes into battle mode. That’s evolutionary human biology at work: fight or flight; amygdala firing before the prefrontal cortex engages.

Taking a beat interrupts that reflex. It gives the rational, empathetic part of our mind time to catch up with the emotional side. It provides the space in which we can shift from reaction to reflection.

The pause doesn’t have to be long. It can be as brief as one breath — or a simple, “Let me think about that for a second.” In that small space, we regain composure; move from being swept away by emotion and biology to the realm of intentionality and rational thought.

And that single act — choosing with intentionality— has the potential to change everything. It signals calm, models self-control, and can create a space where others are invited to meet us on the same ground.

2. Stress Test What You Are About to Say

Before speaking, run a quick internal check by asking three powerful questions:

1. Do I need to say it?

Not every statement, even if true, is helpful. We don’t always need to be right. Sometimes communication requires contraction, and that may mean just not saying it at all. Ask whether saying it serves the relationship — or whether saying it is only in service of winning a debate.

2. Do I need to say it now?

Timing is a crucial and controllable variable in communication. A true and necessary observation, delivered at the wrong moment, can do more harm than good. Sometimes, what needs to be said will be heard best later — after emotions settle and receptivity returns.

3. Do I need to say it this way?

The words we choose, our tone of voice, our pacing, our body language, all determine whether our message is interpreted as guidance or judgment, empathy or condescension. Tone can heal or harden. Choose kindness over cleverness, warmth over wit, empathy over one-upmanship.

This three-pronged stress test can operate as a remarkably effective filter. It’s a way of ensuring that what leaves our mouth is aligned with what we most want to accomplish, which is to strengthen the relationship at issue.

3. Keep to Your Compass Heading — the Rest Is Weather

Every family has its weather: sudden squalls, long dry spells, even a hurricane or two. Sometimes, warm sunny days. We can’t control family weather any more than we can control the weather in nature, but we can keep our compass heading.

Our heading is our core set of values — kindness, generosity, empathy, loyalty, steadiness, respect, authenticity, love. These are constants. The weather — moods, misunderstandings, frustrations, disappointments — is variable.

When we keep the distinction in mind and remind ourselves which is which, we lessen the extent to which we’re tossed about by every gust of emotion. Our rudder becomes principle, not provocation.

That doesn’t mean being passive or detached. It means staying centered even when — especially when — others aren’t at their best. It means refusing to let temporary storms cause permanent damage.

In practical terms, it looks like this:

• When someone else raises their voice, we should try to lower ours.

• When the conversation veers toward accusation, try to bring it back to understanding.

• When others get lost in the moment, hold to the long view.

Consistency builds trust — not perfection. We can’t promise our loved ones that we’ll get it right every time; but when they know our compass points and see us steering by them with constancy, it brings trust and stability.

Putting It All Together

These three rules work together and synergistically.

Taking a beat creates space.

Testing your words brings clarity.

Keeping to your compass heading restores balance.

Together, they shift conversations from reactive to reflective, from defensive to connective.

They teach that managing family communication isn’t about control — it’s about steadiness. The truth is families aren’t problems to be solved; they’re ecosystems to be tended. The best they can do is learn to navigate the weather with patience, grace, and a steady hand on the wheel.

The views and opinions expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley Wealth Management or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results.

Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC (“Morgan Stanley”).

Information contained herein is based on data from multiple sources considered to be reliable and Morgan Stanley makes no representation as to the accuracy or completeness of data from sources outside of Morgan Stanley.

Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

© 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC 4999408 11/2025

The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.

财富中文网所刊载内容之知识产权为财富媒体知识产权有限公司及/或相关权利人专属所有或持有。未经许可,禁止进行转载、摘编、复制及建立镜像等任何使用。
0条Plus
精彩评论
评论

撰写或查看更多评论

请打开财富Plus APP

前往打开