You can use this video to practice your listening and comprehension as I speak.

您可以用這段視頻來練習聽力和理解能力。

Before we start, remember to subscribe to the channel, click on the bell, and follow us on Instagram.

在我們開始之前，請記得訂閱頻道，點擊鈴鐺，並在 Instagram 上關注我們。

You ready?

準備好了嗎？

So today, I'm gonna talk about money.

所以今天，我要談談錢。

This is a really important topic because money is a big part of our lives.

這是一個非常重要的話題，因為金錢是我們生活的重要組成部分。

So first, let's talk about currencies.

首先，我們來談談貨幣。

A currency is the type of money that a country uses.

貨幣是一個國家使用的貨幣種類。

For example, the currency of the U.S. is the dollar and the currency of Mexico is the peso.

例如，美國的貨幣是美元，墨西哥的貨幣是比索。

Every country uses a currency to buy and sell things.

每個國家都使用一種貨幣來買賣物品。

Some currencies are very valuable and other currencies are not very valuable.

有些貨幣很值錢，有些貨幣則不太值錢。

For example, today, one U.S. dollar is worth 22 Mexican pesos.

例如，今天 1 美元兌換 22 墨西哥比索。

The dollar is more valuable right now.

美元現在更有價值。

So what currency does your country use?

貴國使用什麼貨幣？

Okay, now let's talk about prices.

好了，現在我們來談談價格。

In the U.S., most things are expensive.

在美國，大多數東西都很昂貴。

They cost a lot of money.

他們花了很多錢。

In other countries, things are cheap.

在其他國家，東西很便宜。

They don't cost a lot of money.

它們的成本並不高。

For example, in the U.S., the average price of a house is about $250,000.

例如，在美國，房屋的平均價格約為 25 萬美元。

But in Mexico, the average price of a house is probably around $40,000.

但在墨西哥，房屋的平均價格可能在 4 萬美元左右。

That's a big difference, huh?

差別很大吧？

Prices are very different in different countries.

不同國家的價格有很大差異。

Another major difference is with salaries.

另一個主要區別是工資。

The salaries in some countries are high and the salaries in other countries are low.

有的國家工資高，有的國家工資低。

In the U.S., salaries are pretty high.

在美國，工資相當高。

Americans need to make a lot of money because life is expensive in the U.S.

美國人需要賺大錢，因為美國的生活成本很高。

In some countries, people don't need a lot of money to live.

在一些國家，人們並不需要很多錢就能生活。

But everyone needs some money to survive.

但每個人都需要一些錢來生存。

Okay, now let's talk about spending and saving money.

好了，現在我們來談談花錢和省錢的問題。

Some people really like spending money and other people prefer saving more money.

有些人很喜歡花錢，有些人則更喜歡省錢。

Different people have different habits.

不同的人有不同的習慣。

My family always liked saving money.

我的家人總是喜歡省錢。

My mom taught me to always save some of my money.

我媽媽教導我一定要把錢存起來。

So today, I try to save some of the money I earn.

所以今天，我努力把賺來的錢存起來。

It's not always easy to save, though.

不過，拯救並不總是那麼容易。

You have to be careful with your money because it's easy to spend too much.

你必須精打細算，因為很容易花得太多。

I know many people that don't save money.

我知道很多人都不會省錢。

They always spend their money on clothes, electronics, vacations, and other things.

他們總是把錢花在衣服、電子產品、度假和其他事情上。

I spend money on these things, but not all my money.

我花錢買這些東西，但不是我所有的錢。

But some people spend all their money because they want to enjoy the moment.

但有些人花光了錢，因為他們想享受當下。

I don't think I could do this.

我覺得我做不到。

I think it's good to enjoy the moment, but it's also good to plan for the future.

我認為，享受當下固然好，但為未來做好規劃也很重要。

One other thing that people do with their money is invest.

人們用錢做的另一件事就是投資。

You can invest in many different things like the stock market, real estate, currencies, or gold.

您可以投資股市、房地產、貨幣或黃金等許多不同的東西。

Many Americans invest their money.

許多美國人將錢用於投資。

They want to use this money to make more money in the future.

他們想用這筆錢在未來賺更多的錢。

In some countries, investing is not very popular.

在一些國家，投資並不流行。

Or sometimes, they don't have good investment options.

有時，他們也沒有好的投資選擇。

You need to be careful when you invest your money because not all investment options are good.

您在投資時需要小心謹慎，因為並不是所有的投資選擇都是好的。

Some investments are bad and you can lose money.

有些投資很糟糕，你可能會賠錢。

Overall, people have many different ways to manage their money.

總之，人們有許多不同的理財方式。

All right, that's all for today.

好了，今天就到這裡。

Leave a comment and tell me if you like spending, saving, or investing money.

請留言告訴我你喜歡花錢、存錢還是投資。

And remember to subscribe to the channel, click on the bell, and follow us on Instagram for more English tips and lessons.

記得訂閱頻道，點擊鈴鐺，並在 Instagram 上關注我們，獲取更多英語技巧和課程。

I'll see you next time.

下次見