(单词翻译:单击)
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.
为了实现财务安全，存多少钱总是比赚多少钱或投资有多精明重要。
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岁以下，你的目标应该是把每月扣除税款后收入的20%存起来。这与你挣多少钱无关。
Approximately 50% should be reserved for the essential like food and accommodation. The remaining 30% is for recreation and entertainment.
大约50%应预留给食宿等必需品。剩下的30%用于娱乐消遣。
But for many young people, it'll be difficult to designate such a large proportion of their income for savings.
对许多年轻人来说，很难将收入的这么大一部分用于储蓄。
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.
如果你发现存钱很困难，那就从削减所有不必要的开支开始，划出1%或2%的额度用于存钱，然后逐渐增加额度。
Always keep that 20% goal in mind for prevent yourself from becoming complacent.
永远记住20%的目标，防止你变得自满。
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.
要坚持这样严格的计划是很有挑战性的。但是如果你心态正常，应该就能够让它为你所用。
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，应该如何处理存下来的钱呢？以防你在紧急情况下需要一些现金，有些必须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.
最大的一部分应该投资于退休计划。无论是年轻雇主还是自己私有。
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.
你还可以保留一些钱用于高风险但可能有利可图的投资。红利可以再投资或者用来购买你喜欢的东西。
By following this plan, you should hopefully be able to enjoy your life now, and still be financially secure in the future.
按照这个计划，你应该有望享受当下的生活，并且在未来仍然有经济上的保障。
Q 9:What are people under 30 advised to do to achieve financial security?
问题9：建议30岁以下的人做些什么来实现财务安全？
Q10:What should people do if they find it difficult to follow the speaker's advice on their financial plan?
问题10：如果人们发现很难遵循演讲者关于财务计划的建议，他们应该怎么做？
Q 11:What does the speaker think is important for achieving financial security?
问题11：演讲者认为什么对实现财务安全很重要？
