預算與共同分擔英語對話

對話原文與翻譯

每句先給英文原句，下面一行是中文翻譯。想練口說時把譯文遮住，跟著音訊一句句複述。

1. Tom 0:00

   There's a certification course I want, but paying for it would eat into my emergency savings.

   我想上的證照課不便宜，付了就會吃掉我的緊急預備金。

   Line 1
2. Emma 0:05

   Is the course likely to improve your options soon, or is the benefit mostly general and long-term?

   這課程近期真的能提升你的選項嗎？還是好處比較偏長期、泛用型？

   Line 2
3. Tom 0:12

   It's somewhere in between, because recruiters mention it but nobody treats it like a guaranteed advantage.

   介於中間吧，獵頭會提到，但也沒人把它當成保證加分。

   Line 3
4. Emma 0:18

   Then you're comparing a possible career lift with cash that protects you from very real short-term problems.

   那你其實是在比較「可能的職涯加成」和「能擋下短期風險的現金緩衝」。

   Line 4
5. Tom 0:25

   That's why I'm stuck, since I don't want caution to quietly turn into stagnation.

   我就是卡在這裡，不想讓謹慎不知不覺變成停滯。

   Line 5
6. Emma 0:30

   Caution isn't stagnation by default, because the real question is whether this course beats the risk you're exposing yourself to.

   謹慎不一定等於停滯，重點是這門課的收益是否大過你正在承受的風險。

   Line 6
7. Tom 0:39

   My job feels stable, but the company has been cutting small costs in ways that make me uneasy.

   我工作看起來穩，但公司最近連小成本都在砍，讓我有點不安。

   Line 7
8. Emma 0:45

   That matters a lot, because a shakier environment makes emergency savings more valuable rather than less.

   這很關鍵，環境越不穩，緊急預備金的價值只會更高，不會更低。

   Line 8
9. Tom 0:52

   I could pay in installments, but the total becomes slightly higher if I do that.

   我可以分期，但這樣總額會再高一點。

   Line 9
10. Emma 0:57

    A slightly higher total may still be worth it if installments preserve a minimum safety cushion.

    如果分期能保住最低安全緩衝，就算總額稍高，也可能值得。

    Line 10
11. Tom 1:03

    Another option is delaying the course one quarter and saving specifically toward it first.

    另一個做法是把課程延後一季，先專款存到位再報名。

    Line 11
12. Emma 1:09

    That would also reveal whether the urge stays strong once the first wave of excitement settles down.

    這也能測試：等第一波興奮退去後，你是否還那麼想上。

    Line 12
13. Tom 1:16

    If I can keep three months of expenses untouched, I'd feel much better enrolling.

    只要能保留三個月生活費不動，我就會更安心去上課。

    Line 13
14. Emma 1:21

    And if the company's signals worsen before then, you'll be grateful you didn't rush.

    而且如果到那時公司訊號更差，你會慶幸自己沒有衝動行動。

    Line 14
15. Tom 1:26

    So the course isn't a no, and it just needs a financial condition attached to it.

    所以這門課不是不要，而是要附上一個財務條件才行。

    Line 15
16. Emma 1:31

    Exactly, because ambition works better when it doesn't quietly dismantle the backup plan beneath it.

    沒錯，因為有企圖心最好，但不能悄悄把底下的備案拆掉。

    Line 16

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本課重點單字

從本篇對話中挑出的實義詞，依它們在全部 500 篇對話裡出現的等級排序（越靠後等級出現的越優先）。已排除虛詞、專有名詞與數詞。

• advantage /ədˈvæntɪdʒ/ noun

  優勢；有利條件；好處

• stagnation /stæɡˈneɪʃən/ noun

  停滯

• exposing /ɪkˈspoʊzɪŋ/ verb

  正在暴露；揭露

• uneasy /ʌnˈizi/ adjective

  不安的；不自在的

• shakier /ˈʃeɪkiər/ adjective

  更不穩的；更不可靠的

• cushion /ˈkʊʃən/ noun

  墊子；靠墊

• reveal /rɪˈvil/ verb

  揭示；顯示

• urge /ɝdʒ/ verb, noun

  敦促；強烈欲望

• settles /ˈsɛtəlz/ verb

  解決；安定下來

• untouched /ʌnˈtʌtʃt/ adjective

  未觸碰的；未改動的

• grateful /ˈɡreɪtfəl/ adjective

  感激的

• dismantle /dɪsˈmæntəl/ verb

  拆除；拆開

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