實(shí)戰(zhàn)口語(yǔ)情景對(duì)話：Personal Finance 個(gè)人財(cái)務(wù)

Todd: Anita, I thought we would talk about money and investments.

托德：安妮塔，我們來(lái)談?wù)勫X(qián)和投資吧。

Anita: OK.

安妮塔：好。

Todd: So, you're pretty young.

托德：你很年輕。

Anita: Yes.

安妮塔：對(duì)。

Todd: And how old are you?

托德：你多大了?

Anita: I am 23.

安妮塔：我23歲。

Todd: 23, so that's very young. So as a young person, do you think about your future and saving and retirement?

托德：23歲，是很年輕。作為一個(gè)年輕人，你有考慮過(guò)未來(lái)、存款和退休嗎?

Anita: I think about my immediate future. I'm not too worried about my retirement just yet, simply because I think you never know : will you retire? will you not retire? I mean, sometimes people get so caught up planning for retirement and saving money for retirement and they don't get to enjoy their life.

安妮塔：我有考慮過(guò)不久的將來(lái)。我現(xiàn)在并不是太擔(dān)心退休問(wèn)題，因?yàn)槲也恢溃簳?huì)退休嗎?還是不會(huì)退休?我的意思是，有時(shí)人們會(huì)被退休計(jì)劃困住，只考慮為退休存錢(qián)而無(wú)法享受生活。

Todd: Right. But I think, like, I'm getting older. I'm 37 right, so...

托德：沒(méi)錯(cuò)。不過(guò)我認(rèn)為，你看我的年紀(jì)越來(lái)越大，我今年已經(jīng)37歲了，所以……

Anita: That's still young.

安妮塔：你仍然年輕。

Todd: It's still fairly young, but I think everybody that's my age wishes we had started saving when we were your age.

托德：還算年輕，但是我認(rèn)為在我這個(gè)年紀(jì)的人們會(huì)希望在你那么大時(shí)就開(kāi)始存錢(qián)。

Anita: I agree. I agree. I'm not thinking about retirement but I'm definitely thinking about my immediate future. What will I do after university? Because right now, I'm a graduate student. When I was an undergraduate, I never thought about saving. I just was worried about paying monthly bills, paying my rent, things like that, so I was worried about having enough money to pay the current expenses. I wasn't worried about savings, but now that I'm a graduate student and I'm about to finish my education, I have to think about what will I do after university. Where will I go? If I look for a job, maybe I will have to travel somewhere. Maybe there will be a period of time when I will not have a job, so that, yes, I am worried about, so right now I'm thinking about savings for that part of my life.

安妮塔：我同意，我同意這個(gè)觀點(diǎn)。我沒(méi)有考慮過(guò)退休問(wèn)題，不過(guò)我有考慮過(guò)不遠(yuǎn)的將來(lái)。比如我大學(xué)畢業(yè)后要做什么?現(xiàn)在我是名研究生。我是本科生的時(shí)候，從來(lái)沒(méi)有考慮過(guò)存錢(qián)。我只是擔(dān)心每個(gè)月要付的賬單和租金，擔(dān)心是否有足夠的錢(qián)支付當(dāng)前的開(kāi)支。我并沒(méi)有為存錢(qián)煩惱，可是現(xiàn)在我是研究生，我馬上就要完成學(xué)業(yè)，我要考慮畢業(yè)以后做什么。我要去哪里?如果找工作，我可能要去其他的地方。也許會(huì)有一段時(shí)間我找不到工作，我現(xiàn)在在擔(dān)心這些，所以現(xiàn)在我在考慮為我的生活存錢(qián)。

Todd: Now, Anita, you're married, correct?

托德：安妮塔，你結(jié)婚了，對(duì)嗎?

Anita: Yes.

安妮塔：對(duì)。

Todd: So is finances something that you normally talk with your husband or is it something that you still are used to doing separately and independently?

托德：那你是經(jīng)常和丈夫商量財(cái)政問(wèn)題還是你更習(xí)慣經(jīng)濟(jì)獨(dú)立?

Anita: No, no, no. We have joint accounts. Any financial things we discuss.

安妮塔：不，不是，不是這樣的。我們有共同帳戶(hù)。任何財(cái)政問(wèn)題我們都會(huì)一起商量。

Todd: Right, yeah, cause I think especially with marriage, that's probably always one of the main things is money.

托德：好，我認(rèn)為婚姻關(guān)系中，最主要的一個(gè)問(wèn)題可能就是錢(qián)。

Anita: You see, for me personally, I don't think how I could... I cannot imagine that I would be married to somebody and have two separate bank accounts: one for him and one for me. I don't think that would work for me personally.

安妮塔：就我個(gè)人來(lái)說(shuō)，我并不認(rèn)為我……我無(wú)法想象我結(jié)婚后還和丈夫用兩個(gè)帳戶(hù)：他一個(gè)，我一個(gè)。就我個(gè)人而言我認(rèn)為這不可行。

Todd: Yeah, it does actually sound strange.

托德：對(duì)，聽(tīng)起來(lái)是有些奇怪。

Anita: Because then, think about it, if you go for dinner with your husband, who pays?

安妮塔：你想想看，如果你和丈夫一起吃晚餐，那誰(shuí)付錢(qián)?

Todd: Right.

托德：對(duì)。

Anita: And if it's him paying all the time, well that's not fair towards him, so I think once you're in the marriage together, once you're doing everything together, you might as well be saving and spending together as well.

安妮塔：如果總是他買(mǎi)單，對(duì)他來(lái)說(shuō)并不公平，所以我認(rèn)為兩個(gè)人結(jié)婚以后，一起生活以后，最好還是一起存錢(qián)一起承擔(dān)開(kāi)支。

Todd: You're right. That makes perfect sense, but I think in the U.S. nowadays it's common now for couples to have separate checking accounts.

托德：你說(shuō)的對(duì)。這很有道理，不過(guò)現(xiàn)在在美國(guó)，夫妻有獨(dú)立帳戶(hù)的情況很普遍。

Anita: It is and, even my parents had that for awhile. I personally don't like it because to me it seems like a back door. If somebody had two accounts and they're married to me it's a way of saying, "I love you and I'm married to you, but just in case something happens to us, I've got my own account to depend on.

安妮塔：的確是，我父母有一段時(shí)間就是這樣。不過(guò)我個(gè)人不喜歡這樣，對(duì)我來(lái)說(shuō)，這就像留了后路一樣。如果有人有兩個(gè)帳戶(hù)，他和我結(jié)婚就好像在說(shuō)：我愛(ài)你，所以我和你結(jié)婚，但是以防我們之間會(huì)出現(xiàn)問(wèn)題，我要留下我的個(gè)人帳戶(hù)。

Todd: Great point.

托德：這個(gè)觀點(diǎn)很好。

Anita: And to me, personally, I will do my upmost best for my relationship not to get to that point, so because I am not even taking that into consideration, I'm not acting that way right now.

安妮塔：就我個(gè)人來(lái)說(shuō)，我會(huì)盡最大努力使我的婚姻不會(huì)走到那一步，因?yàn)槲疑踔炼紱](méi)有考慮過(guò)這個(gè)問(wèn)題，我也并沒(méi)有那樣做。

Todd: Well said.

托德：說(shuō)的好。