For most millennials, the hardest thing seems to be the ability to save money.

對多數千禧世代來說，最困難的事情似乎是儲蓄的能力。

Well, it's not every day the likes of the avocado toast story and similar stories with millennials' money-saving ineptitude come out.

酪梨吐司的故事和其它千禧世代無力存錢等類似故事並不是會每天都發生。

They are frequent enough that a stereotype is forming.

不過它們頻繁的程度足以形成一個刻板印象。

Some millennials have problems with saving for the future.

有些千禧世代的人難以為未來儲蓄。

Many millennials can save money as a young adult, but others still have difficulty.

許多千禧世代可以從年輕時期開始存錢，但其他的依舊有困難。

The millennials that do keep for the future tend to be saving a fixed amount for their retirement.

會為未來儲蓄的千禧世代傾向會為退休生活存下一定金額的錢。

As to whether or not this will work for them in the long run remains to be seen.

至於這是否會對他們產生長遠影響，那就不一定了。

Let's take a look at two typical millennials.

我們來看看兩種典型的千禧世代。

First, we have John.

首先是 John。

John is in his late twenties, John isn't saving for retirement, John's trying to live life to its fullest and experience as much as he can.

John 現在是二十歲晚期、他沒有為退休儲蓄，他試著要盡情過日子並盡可能地累積經驗。

Now, let's look at Kevin.

我們再來看 Kevin。

Kevin is a lot like John.

Kevin 跟 John 很像。

He's the same age and makes around the same amount, but unlike John, Kevin takes a conscientious effort every day to save money and put those savings towards his retirement.

他年齡相同、收入相當，但跟 John 不同的是，Kevin 每天都會有意識地努力存錢，為退休儲蓄。

Let's look at John and Kevin's spending habits to see where they differ and how that affects them financially.

我們來看看 John 和 Kevin 的花費習慣，看看兩者差異在哪以及那如何影響的了他們的財務面。

One of the earliest life lessons that Kevin learned was how to cook.

Kevin 學習的早期教訓之一是學會如何下廚。

By being able to cook, Kevin can save money.

因為能夠下廚，Kevin 可以存錢。

For example, when John is hungry, he tends to eat out instead of cooking.

舉例而言，當 John 肚子餓時，他傾向外食而不是自己下廚。

On a typical day, John may spend roughly $15 on lunch and $25 on dinner.

在普通的一天，John 可能午餐會花約 15 美元、晚餐 25 美元。

In comparison to the $40 that John spent on just two meals, Kevin may have spent that same amount on ingredients and made five times the number of meals.

相較於 John 僅僅兩餐就花費 40 美元，Kevin 可能會花費同樣的金錢購買食材並料理五倍的餐量。

Of course, these numbers can change.

當然了，這些數字可能改變。

If John has expensive tastes, that $40 he spends each day on meals can explode to $60 or $70.

如果 John 喜歡吃貴的東西，他每天花費的 40 美元餐費可能暴漲到 60 或 70 美元。

But by using the same amount of money, Kevin can make even more meals than you would think.

但利用同樣的錢，Kevin 可以料理比你想像還多的餐點。

You see, by Kevin choosing to buy groceries and cook at home, he can save the almost $280 per week that John spends on food.

是這樣的，透過選擇購買食材並在家下廚，Kevin 每週可以省下 John 用來外食幾乎 280 美元。

Before Kevin ever goes shopping, he will write a list of everything that he needs, and while he is shopping, Kevin makes sure to stick to his list.

在 Kevin 去購物前，他會列一張清單，上面寫著自己需要的所有東西，而當他採買的時候，Kevin 會確保自己依循清單購物。

Before going grocery shopping, Kevin will make sure to eat something.

去採買雜貨之錢，Kevin 會確保自己吃點東西。

Because he knows having a satisfied stomach allows him to keep his list even amongst all of the delicious temptations at the grocery store.

因為他知道，飽足的胃讓他即便是在充斥每位誘惑的雜貨店中把持著，只購買清單上的項目。

In contrast, John will go to the grocery store hungry, and he'll not make a list, trusting that he can remember everything that he needs.

相反的，John 會空腹去雜貨店，而且他不會列清單，因為他相信自己可以記住自己需要的所有東西。

By going to the grocery store hungry, John is far more tempted by the food available there.

而空腹去雜貨店的結果是，John 更容易被那裡有的食物誘惑。

Since John doesn't have a physical list, he's essentially making a list up as he goes.

因為 John 沒有實體清單，他基本上是邊逛邊制定清單。

John is really into buying name brands, while Kevin doesn't care all that much.

John 真的很喜歡買名牌，而 Kevin 卻不太在意。

But because John only buys name brands, he shops at places where he can buy them, which are usually a bit more expensive.

但因為 John 只買名牌，他會去能買到它們的地方購物，通常都較昂貴。

By being able to shop for the generic and occasionally store brands, Kevin can save anywhere from 10% to 20%.

藉由能夠在一般的商店購物，偶爾去名牌商店，Kevin 可以省下約 10% 到 20% 的錢。

Kevin will also go to Walmart instead of going to Target like John.

Kevin 會前往 Ｗalmart（沃爾瑪），而不是跟 John 一樣去 Target（目標）購物。（譯註：沃爾瑪為美國平價零售店，目標則較昂貴）

Sadly, both Kevin and John do have their vices.

令人難過的是，Kevin 和 John 都有他們的惡習。

One of the steadiest strains on anyone's wallet is their vice.

對任何人錢包最穩定的負擔就是他們的惡習。

This vice can range from smoking, drinking, gambling, or collecting.

這個惡習可能是吸菸、酗酒、賭博或收藏。

Anything when taken to the point of excess will become a vice.

任何事在被發揮到極端時，都會成為惡習。

After a long day at work, Kevin likes to drink a beer or maybe a glass of wine.

在漫長一天工作之後，Kevin 喜歡喝點啤酒或是來杯紅酒。

Though Kevin wants to save money, his biggest obstacle is his vice.

雖然 Kevin 想存錢，他最大的障礙的他的惡習。

The average American will spend $565 a year on alcohol.

美國人平均每年會花費 565 美元在酒精上。

While Kevin's vice is hard on his wallet, it's nothing like John's vice.

雖然 Kevin 的惡習對他的錢包造成負擔，那也比不上 John 的惡習。

John is a pack-a-day smoker.

John 是每天一包菸的吸菸者。

By smoking a pack a day, John will spend $2,011 a year on his vice.

每天抽一包菸讓 John 每年花費 2,011 美元在他的惡習上。

By looking at what the average American will spend on these two vices annually, we can see how they are not only hurting John and Kevin's physical health but also financially.

透過觀察美國人一年平均在這兩樣惡習的花費，我們可以看到他們不但影響了 John 和 Kevin 的身體健康，也影響了他們的財務。

Kevin and John both recently purchased homes.

Kevin 和 John 近期都買了房子。

After buying a house, one of the easiest ways for Kevin to save money is to replace all of his lightbulbs with energy-efficient LEDs.

在購屋後，讓 Kevin 省錢最簡單的方式之一是將所有燈泡改成節能的 LED 燈。

But Kevin is not happy with just that savings.

但 Kevin 對於只有那樣的儲蓄不滿足。

He wants to reinvest in his house, so he's also looking into replacing the old inefficient appliances with more efficient ones.

他想要重新投資在房子上，所以他也在研究以更節能的家電替換老舊、低效能的。

By reinvesting into new appliances to ensure that they are energy-efficient, Kevin will save 25% or nearly $550 a year on energy costs.

通過對新電器的再投資，確保它們是節能的，凱文將節省25%或更多。除了節省能源費用外，他每年還能節省近五百五十美元的能源費用。

Beyond saving money on his energy bills, Kevin is also now looking into ways he can save on his water bill.

除了在電費帳單上省錢之外，Kevin 也在思考他可以省水費的方式。

One of the biggest fears of a new home owner like Kevin is unexpected costs that come after purchasing your house.

對於 Kevin 這樣的新手屋主來說，最大的恐懼之一就是購屋後意料之外的開銷。

Some of the most common unexpected new homeowner costs are: maintenance cost, property tax, insurance, utility bills, and so on.

一些最常見的預期外新手屋主花費包括：維修費、產物稅、保險、帳單，等等。

But with the money Kevin is able to save on his utility bills, he's able to buy more appliances and furniture for his house on his schedule.

但 Kevin 在帳單上節省的錢，讓他得以在自己的進度上，為房屋添購更多家電以及家具。

In comparison, John sees the upfront costs of getting new and energy-efficient appliances or the purchases of LED light bulbs as unnecessary,

相反的是，John 將購買新的節能家電或是 LED 燈泡等直接花費視為不必要的，

and decides to wait until he needs to get them instead of being proactive.

並決定等到需要時才買，而不是未雨綢繆。

What this means is that if John's appliances do break, then he will be scrambling to purchase a new one, and may end up overpaying because he did not do enough research.

這意味著，如果 John 的家電真的壞了，那他就會急著要買新的，最後可能因為沒做足研究而買貴。

Kevin, on the other hand, likes to wait 30 days before making any big purchases.

另一方面，Kevin 喜歡在大筆開銷之前，等個 30 天。

By waiting 30 days, this gives him the adequate time he needs to think through whether he needs the item or not, and if so, where to find the best possible deal.

透過 30 天的等待期，這給了他足夠的時間，思考自己是否需要該品項，如果需要的話，哪裡可以買得最划算。

This means that Kevin sits down and considers if this purchase matches all his current needs at a price that he can afford. 

這表示 Kevin 會坐下並考量這項購物是否符合他現在的需求，以及是否是他負擔得起的價格。

One of the biggest drains on any newly-independent young adult's wallet isn't impulse buy.

對於任何剛獨立的年輕人來說，對於他們錢包最大的負擔不是衝動購物。

For John and many people, the old adage of "money burning holes in my pockets" is true.

對於 John 和許多人而言，「錢在口袋裡燒洞」這句俗諺是真實的。（譯註：俗諺表示「錢在口袋裡留不住，一有錢就想花」）

But by waiting those 30 days, Kevin will also be able to plan his purchase. 

藉由等待 30 天，Kevin 也將能夠規劃他的購物行為。

This means that instead of cramming that entire purchase on credit cards, which John does quite often, Kevin can gather enough cash together with his savings to make payment for items he needs.

這代表著，與其將整批購物花費全部刷在一張信用卡上（這是 John 常做的事），Kevin 可以透過存款籌足足夠現金購買需要的物品。

By practicing these money-saving tips, Kevin can squeeze more out of his paycheck.

藉由實行這些省錢訣竅，Kevin 也可以更善加利用他的薪水。

While, in comparison, John sometimes still has to go back to his parents and ask if he can borrow some money.

相較之下，John 有時還得回頭找他的父母借錢。

Many of these tips can be tedious to enact at first, but after a while, they become second nature.

這些訣竅很多在一開始實行會很乏味，但過一陣子後，他們會變成第二天性。

Thank you guys so much for watching. 

非常感謝各位觀看。

Like, subscribe, and I'll see you in the next one.

點贊、訂閱，我們下集節目見。