音频讲解
Money 钱 (2)
A person who is financially savvy (intelligent, perceptive, and well-informed on the subject of money) will always save money. It’s a good idea to have an emergency fund of at least 3-6 months of living expenses (the amount of money you use to survive in everyday life). You can also invest money in the stock market – you could make a nice profit, but there’s also the risk of losing money if the economy goes downhill (starts to get worse). 一个有经济头脑的人（聪明、有洞察力、在金钱问题上见多识广）总是会省钱的。备一笔至少3—6个月的生活费（日常生活中用来生存的钱）的应急资金是个不错的主意。你也可以把钱投资在股市里，可能会获得不错的利润，但是如果经济下滑的话，你就有赔钱的风险。
Let’s say you want to purchase an expensive item like a car. If you haven’t saved up money or set aside money for the purchase, you can borrow money from the bank – which is also called taking out a loan. The disadvantage of this is that you’ll need to pay the money back in installments – plus interest (extra money). 假设，你想购买一个昂贵的东西，如汽车。如果你还没有存够钱或为购房预留资金，你可以向银行借钱——这也被称为贷款。这样做的弊端是，你需要分期付款——加上利息（额外的钱）。
When you travel, you’ll need to change/exchange money to be able to buy things with the local currency. Make sure to change money only at official locations like banks and travel agencies – otherwise, you could be tricked into receiving counterfeit bills (false paper money that is not legally valid). 当你旅行时，你需要兑换货币才能用当地货币买东西。确保只在银行和旅行社等官方场所兑换货币——否则，你可能会被骗而收到假钞（没有法律效力的假纸币）。
知识点：
1. financially savvy：有经济头脑的人
2. save money：省钱
3. emergency fund：应急资金
4. living expenses：生活费
5. invest money in the stock market：把钱投资在股市里
6. losing money：赔钱
7. the economy goes downhill：经济下滑
8. set aside money：预留资金；存钱；攒钱
9. borrow money from the bank：向银行借钱
10. taking out a loan：贷款
11. pay the money back in installments：分期付款
12. interest：利息
13. change/exchange money：兑换货币
14. local currency：当地货币
15. counterfeit bills：假钞
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