W: Our guest on today's Book Talk is John Black, the author of the new bestseller, Retire Early.
W:我们今天读书谈话的嘉宾是约翰·布莱克,他是最新畅销书《提早退休》的作者。
M: Thanks for having me on the show, Lisa.
M:谢谢你让我上节目,丽莎。
W: John, your book is getting a lot of attention, partly because you write that most people can retire by 40, Is that realistic?
W:约翰,你的书引起了很大的关注,部分原因是因为你说大多数人可以在40岁之前退休,这现实吗?
M: Definitely. When researching this book, I interviewed hundreds of people who retired by 40.
M:肯定的。为写这本书做研究时,我采访了几百个40岁就退休的人。
W: Okay, but how much money does a person need to retire? I've read articles recommending one million dollars as a good figure for retirement.
W:好的,但是一个人需要多少钱才能退休呢?我读过一些文章,建议把100万美元作为退休金的理想数字。
M: While most financial planners do give numbers, I don't think thafs useful, as people are living in different areas with different costs of living, and have different needs and wants, which is why I suggest that people aim for financial independence.
M:虽然大多数财务规划师会给出数字,但我认为这没有什么用,因为人们生活在不同的地区,有不同的生活成本,有不同的需求和愿望,这就是为什么我建议人们以经济独立为目标。
W: What do you mean by financial independence?
W:你说的经济独立是什么意思?
M: Having investment income that's greater than monthly expenses.
M:投资收益大于每月支出。
W: That sounds risky to me. What if an accident happens or you get ill and need medical treatment? Shouldn't people have extra cash for emergencies?
W:听起来很冒险。如果发生意外或生病需要治疗怎么办?人们不应该有多余的现金以备不时之需吗?
M: Too many people spend their lives working on jobs they hate because they're afraid, so I counsel people to take risks.
M:太多人因为害怕而一辈子都在做他们讨厌的工作,所以我建议人们去冒险。
Retirement doesn't have to be permanent, and if people need to, they can go back to work.
退休不一定是永久性的,如果人们需要,他们可以回去工作。
W: But it's not always easy to get back into the workforce after an extended absence.
W:但是长时间休假后,要重新回到工作岗位并不总是那么容易的。
M: True, but if you keep current with your skills, you will be attracted to employers.
M:是的,但是如果你保持你的技能,你会被雇主所吸引的。
W: Maybe, but how can anyone save enough to retire by 40 when most people can't retire at 60?
W:也许吧,但是当大多数人不能在60岁退休的时候,怎么可能有人存够40岁退休的钱呢?
M: Simple, by cutting housing, food, and transport expenses, and investing half your monthly income.
M:很简单,就是削减住房、食物和交通费用,把每月收入的一半用来投资。
W: That sounds impossible.
W:听起来不太可能。
M: I admit it's difficult, but it has worked for thousands
M:我承认这很难,但它已经成功了几千年。
Questions 12 to 15 are based on the conversation you have just heard.
问题12到15是基于你刚才听到的对话。
Question12.What do we learn about the man's book published recently?
关于男士最近出版的书,我们了解到什么?
Question13. What do the articles the woman read recommend?
女士读过的文章提供了什么建议?
Question14.What does the man say abo out retirement?
关于退休,男士说了什么?
Question15. How does the man say his proposal about retirement can be carried out?
关于男士提出的退休的建建议,他说如何实施?
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