評論
打印
Passage One
第一篇
To achieve financial security, how much you save is always more important than the amount you earn or how shrewdly you invest.
為了實現財務安全，存多少錢總是比賺多少錢或投資有多精明重要。
If you're under 30 years old, you goal should be to save 20% of your monthly income after tax deductions. This is irrespective of how much you earn.
如果你在30歲以下，你的目標應該是把每月扣除稅款后收入的20%存起來。這與你掙多少錢無關。
Approximately 50% should be reserved for the essential like food and accommodation. The remaining 30% is for recreation and entertainment.
大約50%應預留給食宿等必需品。剩下的30%用于娛樂消遣。
But for many young people, it'll be difficult to designate such a large proportion of their income for savings.
對許多年輕人來說，很難將收入的這么大一部分用于儲蓄。
If you find it hard to save any money at all, start by cutting all unnecessary spending, allocate a tiny amount of 1 or 2 percent for savings, and gradually increase that amount.
如果你發現存錢很困難，那就從削減所有不必要的開支開始，劃出1%或2%的額度用于存錢，然后逐漸增加額度。
Always keep that 20% goal in mind for prevent yourself from becoming complacent.
永遠記住20%的目標，防止你變得自滿。
It can be challenging to stick to such a strict plan. But if you adopt the right mindset, you should be able to make it work for you.
要堅持這樣嚴格的計劃是很有挑戰性的。但是如果你心態正常，應該就能夠讓它為你所用。
So, what should you be doing with the money that you are saving? Some must be kept easily accessible in case you need some cash in emergency.
那么，應該如何處理存下來的錢呢？以防你在緊急情況下需要一些現金，有些必須放在容易拿取的地方。
The largest proportion should be invested in retirement plans. Either for the young employer or privately.
最大的一部分應該投資于退休計劃。無論是年輕雇主還是自己私有。
And you can keep some money for high risk but potentially lucrative investments. Dividends can be re-invested or used to purchase something you like.
你還可以保留一些錢用于高風險但可能有利可圖的投資。紅利可以再投資或者用來購買你喜歡的東西。
By following this plan, you should hopefully be able to enjoy your life now, and still be financially secure in the future.
按照這個計劃，你應該有望享受當下的生活，并且在未來仍然有經濟上的保障。
Q 9:What are people under 30 advised to do to achieve financial security?
問題9：建議30歲以下的人做些什么來實現財務安全？
Q10:What should people do if they find it difficult to follow the speaker's advice on their financial plan?
問題10：如果人們發現很難遵循演講者關于財務計劃的建議，他們應該怎么做？
Q 11:What does the speaker think is important for achieving financial security?
問題11：演講者認為什么對實現財務安全很重要？
