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

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

   腳踏車店提供 12 期分期，現在看起來很輕鬆，但總價會高出不少。

   Line 1
2. Emma 0:07

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

   腳踏車是通勤急需嗎？還是分期只是讓想買的東西看起來比較無害？

   Line 2
3. Tom 0:14

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

   比較像有用但不急，因為我現在這台還能騎，只是維修越來越頻繁。

   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.

   那就不只是「能不能騎」的問題，你其實也在決定願意為時機多付多少。

   Line 4
5. Tom 0:26

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

   對，而且每月金額看起來小，可能正是我覺得這決定比較溫和的原因。

   Line 5
6. Emma 0:32

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

   小月付常會把溢價藏起來，尤其當這筆消費本來就聽起來健康又實用時。

   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.

   多付的金額不算巨大，但我還是介意，因為那幾乎是在為急性子買單。

   Line 7
8. Emma 0:45

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

   除非舊車的維修費和耽誤時間已經高到足以合理化早點換車。

   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.

   所以我應該把融資成本跟同期間預期維修費比較，而不是只看標價。

   Line 9
10. Emma 0:58

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

    對，而且如果故障讓你遲到或無法騎，也要把不便成本算進去。

    Line 10
11. Tom 1:06

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

    我可以先等三個月、努力存錢，之後若需要再分期較小的部分。

    Line 11
12. Emma 1:11

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

    這聽起來是個好折衷，既能降低溢價，也不會無限期拖延。

    Line 12
13. Tom 1:17

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

    如果那台舊腳踏車撐過那段時間，分期方案在情緒上的吸引力就會小很多。

    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嚴重故障，那融資就是對證據的回應，而不是對慾望的回應。

    Line 14
15. Tom 1:30

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

    我喜歡這個區分，因為便利的代價應該被說清楚，而不是被悄悄隱藏。

    Line 15
16. Emma 1:35

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

    那就讓目前這台車的實際狀況，來決定借多少才合理。

    Line 16

本篇的真人發音、逐句跟讀錄音與發音評分都在 EngTalk App 內。

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。

• appealing /əˈpilɪŋ/ adjective

  有吸引力的；動人的

• harmless /ˈhɑrmləs/ adjective

  無害的；不會造成傷害的

• amounts /əˈmaʊnts/ noun

  數量；金額（amount的複數）

• enormous /ɪˈnɔrməs/ adjective

  巨大的

• basically /ˈbeɪsɪkli/ adverb

  基本上；大體上；主要地

• costing /ˈkɔstɪŋ/ verb

  cost的現在分詞；花費

• breakdowns /ˈbreɪkˌdaʊnz/ noun

  breakdown的複數；故障；細目清單

• portion /ˈpɔrʃən/ noun

  一部分；一份

• installment /ɪnˈstɔlmənt/ noun

  分期付款；一期

• desire /dɪˈzaɪər/ noun

  願望；渴望

• justified /ˈdʒʌstəˌfaɪd/ adjective

  有正當理由的；合理的

• bike's /baɪks/ noun

  自行車的（bike 的所有格）

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