VOA慢速英語：美國(guó)千禧一代謹(jǐn)慎消費(fèi)

Many young Americans have a large amount of debt even before they begin working. Millennials -- people between 18 and 35 -- are worried about paying their student loans, so many of them are not using credit cards. Some experts believe this trend may have a long-term effect on the economy.
許多年輕的美國(guó)人在他們開始工作之前就已經(jīng)負(fù)債累累。千禧一代--18至35人群--擔(dān)心他們的學(xué)生貸款，所以他們中的許多人不再使用信用卡。專家認(rèn)為這種趨勢(shì)可能對(duì)經(jīng)濟(jì)產(chǎn)生了長(zhǎng)遠(yuǎn)的影響。
Stefanie O’Connell graduated from New York University with a degree in drama and a large amount of debt. There were not many jobs for someone with her education. So she became cautious about how she spent her money.
斯蒂芬妮 歐 康奈爾（音譯）畢業(yè)于紐約大學(xué)，戲劇學(xué)位，并且負(fù)債累累。她并沒有很多對(duì)口的工作。所以，她很謹(jǐn)慎的消費(fèi)。
That behavior caused her to begin a new career as a financial expert. She writes ablog about wealth management. It has helped her to learn that many millennials share her situation.
這種行為導(dǎo)致她成為一名理財(cái)專家作為新的職業(yè)生涯。她編輯關(guān)于財(cái)務(wù)管理的博客。這能都幫助她了解更多的千禧一代分享他們的狀況。
“They’re very wary of spending beyond their means. They’re wary of tools like credit cards. They’re wary of taking any kind of risk -- even if it is a smart risk, like investing.”
“他們”對(duì)于入不敷出的消費(fèi)很謹(jǐn)慎。他們對(duì)于信用卡工具很謹(jǐn)慎。他們對(duì)于談?wù)擄L(fēng)險(xiǎn)--甚至是很精明的投資風(fēng)險(xiǎn)也很謹(jǐn)慎。
O’Connell’s experience with her blog readers is supported by information gathered by the U.S. central bank. It found that the percentage of Americans under 35 who hold credit card debt has fallen to its lowest level since 1989.
歐 康奈爾和他的讀者的經(jīng)歷為美國(guó)中央銀行收集的信息提供了幫助。美國(guó)35歲以下的人持有信用卡負(fù)債的百分比已經(jīng)下降至1989之后的最低點(diǎn)。
Credit cards are an important part of the American financial system. Without one, it is difficult to buy many goods and services. These can include buying a cell phone or renting an apartment.
信用卡是美國(guó)金融系統(tǒng)的重要部分。沒有信用卡，是很難買到商品和享受到服務(wù)的。這些包括了購(gòu)買電話和租房子。
Credit expert Adam Levin says young people need these financial instruments.
信用專家 亞當(dāng) 萊文（音譯））說年輕人需要這些金融工具。
“It’s critically important for a young person to build credit, to build strong credit. That doesn’t mean you over-credit yourself. It just means that you are wise about your credit; you are a responsible payer, that you don’t get yourself in over your head.”
對(duì)于年輕人來說建立信用是十分重要的。但是并不是意味著你要過度消費(fèi)自己。只是意味著你要智慧消費(fèi)；你要成為一個(gè)負(fù)責(zé)任的消費(fèi)者，不能讓自己栽在自己的頭上。
Smartphone apps like Level Money can help young people build credit. The apps give advice and help people make better spending decisions without going deeper into debt.
智能手機(jī)APP例如Level Money 能夠幫助年輕人建立信用。這些APP可以給出建議并且?guī)椭藗內(nèi)绾卧诓幌萑胴?fù)債的情況下更好的作出消費(fèi)決策。
I’m Ashley Thompson.
艾斯利 托馬森 報(bào)道。