提示 1.每期为一篇听力题，每篇裁剪为若干片段，每个片段重复四遍。 2.可以前两遍盲听理解，后两遍根据文字内容精听。 3.根据中英文意思，听不懂的地方多听几遍。 词汇提示 1.shrewdly 精明的 2.deduction 扣除 3.irrespective 无关联的 4.approximately 大约 5.essentials 必需品 6.accommodation 住宿 7.recreation 娱乐 8.designate 指定 9.allocate 划拨 10.complacent 自满的 11.potentially 潜在地 12.lucrative 利润丰厚的 13.dividends 分红 原文 2020.12 六级第一套 Passage One To achieve financial security, how much you save is always more important than the amount you earn or how shrewdly you invest. 要实现财务安全，存多少钱永远比赚多少钱或者投资多精明更重要。 If you're under 30 years old, your goal should be to save 20% of your monthly income after tax deductions. This is irrespective of how much you earn. 如果你还不到三十岁，那么你的目标应该是将每月税后收入的20%用作储蓄。这个数目与你赚多少钱无关。 Approximately 50% should be reserved for essentials like food and accommodation.The remaining 30% is for recreation and entertainment. 税后收入的大约50%应该预留给食物和住宿等生活必需品，剩下30%用于消遣和娱乐。 But for many young people, it will be difficult to designate such a large proportion of their income for savings. 但是对许多年轻人来说，将如此大一部分收入用作储蓄是有一定难度的。 If you find it hard to save any money at all, start by cutting all unnecessary spending, allocate the tiny amount of one or 2% for savings and gradually increase that amount. 如果你发觉自己一分钱都存不下，先从减少一切不必要支出入手，把1%或2%的少量收入划作储蓄之用，然后再逐渐增加。 Always keep that 20% goal in mind, prevent yourself from becoming complacent. 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. 始终牢记20%的目标，以防自己免得自满。要坚持执行如此严格的计划，可能具有一定挑战性，但如果你能树立正确的心态，就应该能让它发挥作用。 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 an emergency. 那么你应该如何处理存下来的钱呢。其中一小部分必须存放到易于取用的地方，以防紧急情况下需要用钱。 The largest proportion should be invested in retirement plans, either through your employer or privately. And you can keep some money for high risk, but potentially lucrative investments. 最大那部分则应该通过你的雇主或以私人方式投入退休金计划。你还可以留一部分用于风险高但潜在利润丰厚的投资。 Dividends can be reinvested or use to purchase something you like. By following plan, you should hopefully be able to enjoy your life now and still be financially secure in the future. 红利可以用作在投资或购买你喜欢的东西。通过执行这一计划，你应该有希望能享受现在的生活，并且在未来仍有经济保障。 问题： Question 9: What are people under 30 advised to do, to achieve financial security? Question 10: What should people do if they find it difficult to follow the speaker's advice on their financial plan? Question 11: What does the speaker think is important for achieving financial security?