实战口语情景对话 第728期:Personal Finance 个人财务

Todd: Anita, I thought we would talk about money and investments.
托德：安妮塔，我们来谈谈钱和投资吧。

Anita: OK.
安妮塔：好。

Todd: So, you're pretty young.
托德：你很年轻。

Anita: Yes.
安妮塔：对。

Todd: And how old are you?
托德：你多大了？

Anita: I am 23.
安妮塔：我23岁。

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岁，是很年轻。作为一个年轻人，你有考虑过未来、存款和退休吗？

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：我有考虑过不久的将来。我现在并不是太担心退休问题，因为我不知道：会退休吗？还是不会退休？我的意思是，有时人们会被退休计划困住，只考虑为退休存钱而无法享受生活。

Todd: Right. But I think, like, I'm getting older. I'm 37 right, so...
托德：没错。不过我认为，你看我的年纪越来越大，我今年已经37岁了，所以……

Anita: That's still young.
安妮塔：你仍然年轻。

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：还算年轻，但是我认为在我这个年纪的人们会希望在你那么大时就开始存钱。

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，我同意这个观点。我没有考虑过退休问题，不过我有考虑过不远的将来。比如我大学毕业后要做什么？现在我是名研究生。我是本科生的时候，从来没有考虑过存钱。我只是担心每个月要付的账单和租金，担心是否有足够的钱支付当前的开支。我并没有为存钱烦恼，可是现在我是研究生，我马上就要完成学业，我要考虑毕业以后做什么。我要去哪里？如果找工作，我可能要去其他的地方。也许会有一段时间我找不到工作，我现在在担心这些，所以现在我在考虑为我的生活存钱。

Todd: Now, Anita, you're married, correct?
托德：安妮塔，你结婚了，对吗？

Anita: Yes.
安妮塔：对。

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：那你是经常和丈夫商量财政问题还是你更习惯经济独立？

Anita: No, no, no. We have joint accounts. Any financial things we discuss.
安妮塔：不，不是，不是这样的。我们有共同帐户。任何财政问题我们都会一起商量。

Todd: Right, yeah, cause I think especially with marriage, that's probably always one of the main things is money.
托德：好，我认为婚姻关系中，最主要的一个问题可能就是钱。

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：就我个人来说，我并不认为我……我无法想象我结婚后还和丈夫用两个帐户：他一个，我一个。就我个人而言我认为这不可行。

Todd: Yeah, it does actually sound strange.
托德：对，听起来是有些奇怪。

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，那谁付钱？

Todd: Right.
托德：对。

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：如果总是他买单，对他来说并不公平，所以我认为两个人结婚以后，一起生活以后，最好还是一起存钱一起承担开支。

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：你说的对。这很有道理，不过现在在美国，夫妻有独立帐户的情况很普遍。

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：的确是，我父母有一段时间就是这样。不过我个人不喜欢这样，对我来说，这就像留了后路一样。如果有人有两个帐户，他和我结婚就好像在说：我爱你，所以我和你结婚，但是以防我们之间会出现问题，我要留下我的个人帐户。

Todd: Great point.
托德：这个观点很好。

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：就我个人来说，我会尽最大努力使我的婚姻不会走到那一步，因为我甚至都没有考虑过这个问题，我也并没有那样做。

Todd: Well said.
托德：说的好。