Two emotions — shame and guilt — drive us away from conversations about our finances, Kahler says.
卡勒称，有两种情绪，也就是羞耻及罪恶感，会让我们对自己的财务状况避而不谈。
“It's the one-time expenses that kill a budget,” said Rick Kahler, a financial planner in Rapid City, S.D.
“这类一次性开支会耗尽整个预算，”南达科他州拉皮德城的理财规划师里克·卡勒（RickKahler）告诫道。
Kahler was once part of a group of eight financial planners that decided to have a conversation about how much they made the prior year and how much they were worth.
卡勒曾是一个八人理财规划师小组成员，有一次这个小组决定聊聊他们上一年挣了多少钱，自己的身价又是多少。
Mr. Kahler says he helped bring him around to a big-tent description that is slightly more optimistic: Retirement means doing what I want, when I want, with whom I want.
卡勒说，他说服这名客户进行略微乐观一点的大帐篷式描述：退休意味着在我想做的时间，和我喜欢的人一起，做我想做的事。
Mr. Kahler says he helped bring him around to a big-tent description that is slightly more optimistic: Retirement means doing what I want, when I want, with whom I want.
卡勒说，他说服这名客户进行略微乐观一点的大帐篷式描述：退休意味着在我想做的时间，和我喜欢的人一起，做我想做的事。
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