作為一個年輕人你有考慮過未來、存款和退休嗎

今天的這段對話，在討論錢和投資，
 
作為一個年輕人你有考慮過未來、存款和退休嗎
 
來聽今天的講解:
 
A: Anita, I thought we would talk about money and investments.
 
安妮塔，我們來談?wù)勫X和投資吧。
 
B: OK.
 
好。
 
A: So, you're pretty young.
 
你很年輕。
 
B: Yes.
 
對。
 
A: And how old are you?
 
你多大了？
 
B: I am 23.
 
我23歲。
 
A: 23, so that's very young. So as a young person, do you think about your future and saving and retirement?
 
23歲，是很年輕。作為一個年輕人，你有考慮過未來、存款和退休嗎？
 
B: 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.
 
我有考慮過不久的將來。我現(xiàn)在并不是太擔(dān)心退休問題，因為我不知道：會退休嗎？還是不會退休？我的意思是，有時人們會被退休計劃困住，只考慮為退休存錢而無法享受生活。
 
A: Right. But I think, like, I'm getting older. I'm 37 right, so...
 
沒錯。不過我認(rèn)為，你看我的年紀(jì)越來越大，我今年已經(jīng)37歲了，所以……
 
B: That's still young.
 
你仍然年輕。
 
A: It's still fairly young, but I think everybody that's my age wishes we had started saving when we were your age.
 
還算年輕，但是我認(rèn)為在我這個年紀(jì)的人們會希望在你那么大時就開始存錢。
 
B: 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.
 
我同意，我同意這個觀點。我沒有考慮過退休問題，不過我有考慮過不遠(yuǎn)的將來。比如我大學(xué)畢業(yè)后要做什么？現(xiàn)在我是名研究生。我是本科生的時候，從來沒有考慮過存錢。我只是擔(dān)心每個月要付的賬單和租金，擔(dān)心是否有足夠的錢支付當(dāng)前的開支。我并沒有為存錢煩惱，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。也許會有一段時間我找不到工作，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。
 
A: Now, Anita, you're married, correct?
 
安妮塔，你結(jié)婚了，對嗎？
 
B: Yes.
 
對。
 
A: 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?
 
那你是經(jīng)常和丈夫商量財政問題還是你更習(xí)慣經(jīng)濟獨立？
 
B: No, no, no. We have joint accounts. Any financial things we discuss.
 
不，不是，不是這樣的。我們有共同帳戶。任何財政問題我們都會一起商量。
 
A: Right, yeah, cause I think especially with marriage, that's probably always one of the main things is money.
 
好，我認(rèn)為婚姻關(guān)系中，最主要的一個問題可能就是錢。
 
B: 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.
 
就我個人來說，我并不認(rèn)為我……我無法想象我結(jié)婚后還和丈夫用兩個帳戶：他一個，我一個。就我個人而言我認(rèn)為這不可行。
 
A: Yeah, it does actually sound strange.
 
對，聽起來是有些奇怪。
 
B: Because then, think about it, if you go for dinner with your husband, who pays?
 
你想想看，如果你和丈夫一起吃晚餐，那誰付錢？
 
A: Right.
 
對。
 
B: 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.
 
如果總是他買單，對他來說并不公平，所以我認(rèn)為兩個人結(jié)婚以后，一起生活以后，最好還是一起存錢一起承擔(dān)開支。
 
A: 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.
 
你說的對。這很有道理，不過現(xiàn)在在美國，夫妻有獨立帳戶的情況很普遍。
 
B: 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.
 
的確是，我父母有一段時間就是這樣。不過我個人不喜歡這樣，對我來說，這就像留了后路一樣。如果有人有兩個帳戶，他和我結(jié)婚就好像在說：我愛你，所以我和你結(jié)婚，但是以防我們之間會出現(xiàn)問題，我要留下我的個人帳戶。
 
A: Great point.
 
這個觀點很好。
 
B: 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.
 
就我個人來說，我會盡最大努力使我的婚姻不會走到那一步，因為我甚至都沒有考慮過這個問題，我也并沒有那樣做。
 
A: Well said.
 
說的好。