托德:安妮塔,我們來(lái)談?wù)勫X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。
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。我只是擔(dān)心每個(gè)月要付的賬單和租金,擔(dān)心是否有足夠的錢支付當(dāng)前的開(kāi)支。我并沒(méi)有為存錢煩惱,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。
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。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。
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: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?
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,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。
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。