预算与共同分担英语对话

对话原文与翻译

每句先给英文原句，下面一行是中文翻译。想练口语时把译文遮住，跟着音频一句句复述。

1. Tom 0:00

   The bike store offers twelve monthly payments, which feels easy now, but the final total becomes much higher.

   自行车店提供十二期付款，现在看起来压力很小，但最后总价会高很多。

   Line 1
2. Emma 0:07

   Is the bike urgent for commuting, or are installments mainly making an appealing purchase feel harmless?

   这辆车对你通勤来说是急需的吗，还是说分期主要只是让一个很想买的东西看起来没那么疼？

   Line 2
3. Tom 0:14

   It's useful rather than urgent, because my current bike still works even though repairs are becoming frequent.

   它更像是有用但不算紧急，因为我现在这辆还能骑，只是修的频率越来越高了。

   Line 3
4. Emma 0:19

   Then the decision isn't only about access, since you're also choosing how much to pay for timing.

   那这个决定就不只是“买不买得到”，而是在决定你愿意为“提前拥有”多付多少钱。

   Line 4
5. Tom 0:26

   Exactly, and the low monthly number is probably why the decision feels gentler than it really is.

   对，那个每月金额看起来很低，可能正是它让我觉得这件事比实际轻松的原因。

   Line 5
6. Emma 0:32

   Small monthly amounts often hide the premium, especially when the purchase already sounds healthy and practical.

   每月小额分期很容易把额外成本藏起来，尤其当这件商品本身又听起来健康又实用的时候。

   Line 6
7. Tom 0:39

   The extra amount isn't enormous, but it still bothers me because I'd basically be paying for impatience.

   多出来的钱不是天文数字，但我还是会不舒服，因为本质上我是在为自己的着急买单。

   Line 7
8. Emma 0:45

   Unless the old bike is already costing enough in repairs and lost time to justify buying sooner.

   除非你现在那辆旧车已经在维修费和耽误时间上，贵到足以证明早点换是合理的。

   Line 8
9. Tom 0:52

   So I should compare financing cost with expected repairs over the same period instead of with the sticker price alone.

   那我就应该把分期多出来的成本，拿去和同一时期旧车的预计维修成本比，而不是只盯着标价。

   Line 9
10. Emma 0:58

    Exactly, and include inconvenience too if breakdowns are making you late or stopping you from riding.

    对，而且如果抛锚已经让你迟到，或者干脆不敢骑了，那种不便也应该算进去。

    Line 10
11. Tom 1:06

    I could wait three months, save hard, and then finance a much smaller portion if needed.

    我也可以先等三个月，集中攒钱，到时候如果还需要分期，也只分一小部分。

    Line 11
12. Emma 1:11

    That seems like a good compromise because it reduces the premium without delaying forever.

    这看起来是个不错的折中，因为它既降低了额外成本，也不至于无限期往后拖。

    Line 12
13. Tom 1:17

    If the old bike survives that window, the installment plan loses a lot of its emotional pull.

    如果旧车顺利撑过那段时间，分期方案对我的吸引力大概也会少很多。

    Line 13
14. Emma 1:23

    And if it fails badly before then, financing becomes a response to evidence rather than to desire.

    如果它在那之前真的明显不行了，那分期就会变成对现实证据的回应，而不是对欲望的冲动。

    Line 14
15. Tom 1:30

    I like that distinction because the price of convenience should be justified instead of hidden.

    我很喜欢这个区分，因为便利的价格应该被正当化，而不是被藏起来。

    Line 15
16. Emma 1:35

    Then let the current bike's actual condition decide how much borrowing makes sense.

    那就让你现在这辆车的真实状态，来决定到底该借多少、该不该现在借。

    Line 16

本篇的真人发音、逐句跟读录音与发音评分都在 EngTalk App 内。

本课重点词汇

从本篇对话中挑出的实义词，按它们在全部 500 篇对话里出现的等级排序（越靠后等级出现的越优先）。已排除虚词、专有名词与数词。

• appealing /əˈpilɪŋ/ adjective

  有吸引力的；动人的

• harmless /ˈhɑrmləs/ adjective

  无害的；不会造成伤害的

• amounts /əˈmaʊnts/ noun

  数量；金额（amount的复数）

• enormous /ɪˈnɔrməs/ adjective

  巨大的

• basically /ˈbeɪsɪkli/ adverb

  基本上；大体上；主要地

• costing /ˈkɔstɪŋ/ verb

  cost的现在分词；花费

• breakdowns /ˈbreɪkˌdaʊnz/ noun

  breakdown的复数；故障；细目清单

• portion /ˈpɔrʃən/ noun

  一部分；一份

• installment /ɪnˈstɔlmənt/ noun

  分期付款；一期

• desire /dɪˈzaɪər/ noun

  愿望；渴望

• justified /ˈdʒʌstəˌfaɪd/ adjective

  有正当理由的；合理的

• bike's /baɪks/ noun

  自行车的（bike 的所有格）

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