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2018-10-26    À´Ô´:psychology today    ¡¾´ó ÖРС¡¿      ÃÀ¹úÍâ½Ì ÔÚÏß¿ÚÓïÅàѵ
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Money Can't Buy You Happiness—But Smart Money Management Can
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From a psychological perspective, we can all agree money can never make anyone happy. But it can definitely make life easier for many people. Many lottery winners, having grown wise through watching how sudden wealth has adversely impacted others, try as hard as they can to keep a cool head in deciding how to spend (or save) newly acquired financial abundance. 
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Lottery Winners Are Still Themselves—Only Richer
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In “Becoming a Winner But Staying the Same: Identities and Consumption of Lottery Winners,” (2011) Bengt Larsson found that contrary to the myth of lottery winners escaping current circumstances and becoming “someone else somewhere else,” in reality, lottery winners generally remain the same—except for indulging in higher levels of consumption. Larsson concluded that receiving large winnings is generally accompanied with an effort to maintain identity and social relationships.
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Mega Million Money Management
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How do lottery winners manage their money, and does it matter how much they receive up front? According to Larsson´s research, the answer appears to be yes.
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Larsson compared money management behaviors between those who received lump sum lottery winnings, versus installments. He found that winners who received lump sums tended to save and invest, as compared with winners who received monthly installments—who were more likely to spend the money.  In the author's words, "wild" lump sums make winners “tame” their winnings more firmly, whereas “domesticated” monthly installments can be spent more thoughtlessly without changing identity or becoming an unfortunate winner.”
Larsson±È½ÏÁËÄÇЩÊÕµ½Ò»´ÎÐÔ²ÊƱ½±½ðºÍ·ÖÆÚÊÕ¿îµÄÖн±ÕßÖ®¼äµÄ×ʽð¹ÜÀí·½Ê½¡£Ëû·¢ÏÖ£¬»ñµÃÒ»´ÎÐÔ¸¶¿îµÄ»ñ½±ÕßÇãÏòÓڰѽ±½ðÓÃÓÚ´¢ÐîºÍͶ×Ê£¬¶ø»ñµÃÔ¶ȷÖÆÚ¸¶¿îµÄ»ñ½±ÕßÔò¸üÓпÉÄÜ°ÑÇ®¶¼»¨µô¡£ÓÃ×÷ÕߵĻ°À´Ëµ£¬“·è¿ñ”µÄÒ»´ÎÐÔ¸¶¿î½±½ð»áÈûñ½±ÕßÃÇÔڹ滮½±½ðʱ¸üΪ¼á¶¨£¬¶øÏà±È֮ϣ¬ÕâÖÖÒÔ¸ü“κ͔µÄ·½Ê½ÊÕµ½Ã¿Ô·ÖÆÚ¸¶¿îµÄ»ñ½±ÕßÔÚ»¨Ç®Ê±»á¸ü¼ÓÇáÂÊ£¬ÕâҲʱËûÃÇÄܹ»±£³Ö×Ô¼ºÏÖÓеÄÉí·Ý£¬Ò²±ÜÃâÁ˳ÉΪһ¸ö²»ÐÒµÄÓ®¼Ò¡£

Millionaires in the Workplace: Lottery Winners Keep Working
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Think if you hit the jackpot you would end up leaving town and buying a yacht in the South of France? Think again. Believe it or not, research reveals that many lottery winners would choose to keep working.
ÏëÒ»Ï룬Èç¹ûÄãÖÐÁË´ó½±£¬Äã»áÀ뿪Õâ¸öµØ·½£¬È»ºó°áµ½ÃÀ¹úÄϲ¿»òÕß·¨¹ú£¬ÔÙÔÚÄÇÀïÂò¸öºÀ»ªÓÎͧÂð£¿ÔÙÏëһϡ£²»¹ÜÄãÐŲ»ÐÅ£¬µ÷²é½á¹ûÏÔʾ£¬ºÜ¶à»ñ½±Õß»áÑ¡Ôñ¼ÌÐø¹¤×÷¡£
 
Research by Bengt Furaker and Anna Hedenus (2009) found that a significant amount of lottery winners stayed in their same jobs. In their study, they found that less than 12% of winners quit working, and about 24% of participants took full-time unpaid leave. Of those who continued to work, 16% reduced their working hours, and 62% did not make any changes. µ÷²é·¢ÏÖ£¬¾ø´ó²¿·Ö»ñ½±Õß»áÑ¡Ôñ¼ÌÐø´ýÔÚËûÃǵŤ×÷¸Úλ¡£µ÷²éÈËÔ±·¢ÏÖ£¬12%µÄ»ñ½±Õß»áÑ¡Ôñ´ÇÖ°£¬»¹ÓÐ24%µÄÈË»áÇëÈ«Ö°ÎÞн¼Ù¡£ÔÚÄÇЩ¼ÌÐø¹¤×÷µÄÈ˵±ÖУ¬16% µÄÈË»áÑ¡Ôñ¼õÉÙ¹¤×÷ʱ¼ä£¬ÁíÓÐ62%µÄÈ˲»»á×÷³öÈκα仯¡£
 
Winners and Losers
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Research indicates that everyone reacts differently to the acquisition of sudden financial prosperity. Nonetheless, it is heartening to know that so many people choose to adopt sensible financial strategies to manage their winnings that that manage wealth while maintaining relationships.  
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