大学英语四级美文欣赏：美国孩子担心未来工资思维导图

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大学英语四级美文欣赏：美国孩子担心未来工资思维导图

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2023-03-17 14:33:53

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　　You might think teens have it easy. But they worry about a lot: bullying, getting into college, fitting in, finding a date. Now add earning enough money to the list. 　　have it e

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Youmightthinkteenshaveiteasy.Buttheyworryaboutalot:bullying,gettingintocollege,fittingin,findingadate.Nowaddearningenoughmoneytothelist.

haveiteasy过得舒服；处境很好；放松

fitin融入；适应

Just56%ofteensaged14-18believetheywillbeaswellofffinanciallyastheirparents,accordingtoaJuniorAchievementandAllstateFoundationsurvey.Somuchfortheoptimismofyouth.That’sdownfrom89%inthesamesurveyoneyearearlier.Inanothermajorshift,thesurveyfoundthatteensarepushingbacktheageatwhichtheyexpecttobefinanciallyindependent;morenowsaytheywillbeatleast25yearsoldbeforetheyareontheirown,comparedto20intheearliersample.

welloff手头宽裕；富裕的；处境好的

pushback把……向后推；推迟

Whatgives?AccordingtoUSAToday,thereisacumulativeeffectaftersomanyyearsofrecessionandslowgrowth.Teenshaveseenfamilyandfriendslosejobsandhomes;theycan’thelpbutfeelvulnerable.Thepaperreports:

“Manykidswereshieldedbyparentsduringthedownturn,saysRobCallender,directorofinsightsatyouthresearchfirmTRU.Momsanddadswoulddowithouttoavoidtakingthingsawayfromthekids.Asfinancesdwindled,though,thoseparentshavebeenforcedtolevelwiththekidsabouttheireconomicreality.”

whatgives?怎么回事？

cumulativeeffect累积效应

vulnerableadj.易受伤害的；脆弱的

shieldv.保护；庇护

downturn经济衰退；低迷时期

levelwith对……说实话

Teenshavealsohadtroublefindingsummerjobs,thoughprospectsarebetterthisyear.Andteensreportgettingfewermoneylessonsinschool.AccordingtotheJApoll,just24%sayteachersinstructthemabouthowtomanagemoney,downfrom58%ayearearlier.ThisjibeswithareportfromtheCouncilforEconomicEducation,whichfoundthatfewerstatesarerequiringschoolstotestintheareaofeconomicsandtoofferapersonalfinancecourse.

jibewith与……一致

Teensmayalsobesufferingfromwhatmanyadultsacknowledge:parentsarehorriblerolemodelswhenitcomestothingslikesavingandbudgets.Onlyhalfofparentsregularlysetasidemoneytosave;only43%setfinancialgoals;andonly24%takespecificstepstodiversifytheirinvestments,accordingtoaT.RowePriceParents,KidsandMoneysurvey.

sufferfrom忍受，遭受；受……之苦

setaside留出；把……置于一边

IntheJAsurvey,teensreportedasignificantdropinparentssavingasaresultoftherecession—21%thisyearvs.59%lastyear.Asyoumightexpect,teensaremodelingthatbehavior.Just56%plantosavesomeoftheirincome,downfrom89%ayearago,accordingtoJA.It’snotjustaplan;it’shappening,accordingtothePewResearchCenter,whichfoundthatyoungadultsaregettingaslowerstartsavingforretirement.

Itshouldcomeasnosurprisethenthatfewerteensarepracticingsoundmoneymanagementskills.JAfoundathree-foldincreaseinteensthatreportnotbudgeting.ThislargelyconfirmsaseparatesurveybySchwab,whichfoundasharpfalloffinteenmoneymanagementability.Accordingtothatsurvey,justaquarterof18-year-oldsknowhowtomanageacreditcard—downfromtwo-thirds.Lessthanhalfknowhowtochecktheaccuracyofabankstatement—downfrom60%.

Thisallrepresentsahugesetbackinthepushforamorefinanciallyliteratepopulation,whichmanyseeasourbesthopeforstavingoffanotherfinancialcrisis.Inthisenvironment,debilitatingteenmoneymythsaresuretopersist.

setbackn.挫折；退步