IELTS Speaking Part 3: Money, Saving and Spending

We've been talking about something you saved up for.

我們剛才聊到了妳存錢買的一樣東西。

Now I'd like to ask you some broader questions.

現在我想問妳一些比較廣泛的問題。

Of course, I'm ready.

當然，我準備好了。

Do young people today find it harder to save money?

現在的年輕人是不是更難存錢了？

In many ways, yes, and it's not entirely their fault.

在很多方面是的，而且這不完全是他們的錯。

Rents have soared, while starting salaries have barely moved!

房租狂漲，起薪卻幾乎沒什麼變！

On top of that, spending has never been so effortless.

除此之外，花錢從來沒有這麼容易過。

One tap on your phone, and the money's gone.

手機點一下，錢就沒了。

So is your phone the real enemy here?

所以真正的敵人是妳的手機囉？

Ha, my bank statement would certainly say so!

哈，我的銀行對帳單一定會這麼說！

To be fair, phones can also help us budget.

說句公道話，手機也能幫我們管理預算。

My app rounds up every purchase and saves the change.

我的 App 會把每筆消費進位成整數，把零錢存起來。

Should schools teach children how to manage money?

學校應該教小孩怎麼理財嗎？

Absolutely! I'd say it's long overdue.

當然！我覺得早就該這麼做了。

Most of us leave school knowing algebra,

我們大多數人畢業時懂代數，

but not how interest on a loan works.

卻不懂貸款利息是怎麼算的。

I learned about credit card interest the hard way.

我是吃了苦頭才搞懂信用卡利息的。

A single practical course could prevent years of debt.

只要一堂實用的課，就可能讓人免於好幾年的負債。

Do people today buy more than they really need?

現在的人是不是買得比真正需要的還多？

Without a doubt, and advertising plays a huge part.

毫無疑問，而且廣告的影響很大。

Fast fashion is so cheap that we treat clothes as disposable.

快時尚太便宜了，我們把衣服當成用完就丟的東西。

Some items are worn once, then simply thrown away!

有些衣服只穿一次，就直接丟掉了！

Is that changing at all, in your experience?

就妳的經驗來看，這種情況有在改變嗎？

Yes, and it's really encouraging!

有，而且真的很令人振奮！

Second-hand shopping is booming among people my age.

二手購物在我這個年紀的人之間正夯。

That said, it's partly about saving money, not the planet.

話雖如此，有一部分是為了省錢，而不是為了地球。

Finally, can money really make people happy?

最後一個問題，錢真的能讓人幸福嗎？

Up to a point, certainly, because it buys security.

在某種程度上當然可以，因為它能帶來安全感。

But beyond that, experiences matter far more than possessions.

但超過那個程度，經驗遠比物質重要。

Thank you. That's the end of the speaking test.

謝謝。口說測驗到此結束。

Oh, already? That went so quickly!

喔，已經結束了？時間過得好快！

Thank you very much. Goodbye!

非常謝謝您。再見！