在TikTok趋势及个人故事的启发下, 美国人与朋友开立共享银行账户以节省旅行费用, Americans are opening shared bank accounts with friends to save for trips, inspired by TikTok trends and personal stories, fostering financial intimacy but risking imbalance and unauthorized access.

部分美国人正在与朋友开设共同的银行账户, 以加强联系, 储蓄旅行, 这一趋势源于TikTok上流行的故事和个人经历, Some Americans are opening shared bank accounts with friends to strengthen bonds and save for trips, a trend inspired by viral stories on TikTok and personal experiences like one woman’s flight conversation. 像麦迪逊·马钦和金这样的朋友利用联合账户——如现金申请——为共同目标提供资金,并增加有趣的规则以鼓励问责制。 Friends like Madison Machen and Kim use joint accounts—such as Cash App—to fund shared goals, adding playful rules to encourage accountability. 提倡者说,这种“金融亲密关系”可以增加透明度,减少资金压力,加深信任,而专家则告诫说,风险包括捐款不平等、未经授权提款和分担费用责任。 Advocates say this "financial intimacy" boosts transparency, reduces money stress, and deepens trust, while experts caution that risks include unequal contributions, unauthorized withdrawals, and shared liability for fees. 虽然有些人建议将个人沉没资金作为更安全的替代办法,但另一些人则认为共享账户简化了小组旅行,消除了费用分担争端。 Though some recommend individual sinking funds as a safer alternative, others find shared accounts simplify group travel and eliminate cost-splitting disputes. 这种做法反映出人们日益渴望将财务规划与情感联系相结合,但成功与否取决于明确的沟通和相互信任。 The practice reflects a growing desire to blend financial planning with emotional connection, but success depends on clear communication and mutual trust.