Podcast Transcript
大家好，欢迎回来MaoMi Chinese！
前几天，我在和我的朋友们讨论该不该存钱，还有每个月该存多少钱的问题。如果是我的父亲母亲，他们一定不会有这样的问题，因为对年纪比较大的中国人来说，存钱是必须的。可能大家有这样一个刻板印象，中国人喜欢存钱。其实，这不一定对。今天，我们一起来聊一聊为什么。
2018年，一份调查报告显示，在中国，35岁以下的年轻人中，百分之56的人没有存款。2020年，另外一份调查报告显示，中国30岁年轻人里，每年的平均存款是六万六千七百四十元，大约是一万零三百美元，七千五百英镑。在中国的31个省里，北京和上海的年轻人存款最多，他们每年大约有十万万元的存款。但是，也有11个省的年轻人，每年平均存款不到3万元，25个省的年轻人每年的平均存款不到5万元。还有一份调查报告显示，中国的30岁年轻人里，有百分之30的人每个月存不了钱，甚至还欠钱。
为什么一些中国的年轻人不存钱了呢？我想，主要有以下两个原因。第一个原因，是一些年轻人很喜欢消费，买东西和花钱会让他们更快乐。一些中国年轻人觉得，人生只有一次，想要什么就要买。第二个原因，是一些年轻人的收入比较低，或者房租比较高，所以他们没办法存钱。在一些中国的小城市，大多数人的工资都在一万以下，很多都只有两三千。
我问了我的几个朋友，他们一些人是非常喜欢存钱的人，一些人是不存钱的人。我们一起来听一听他们的想法吧！
“我就是资深的存钱爱好者。我每个月的房租大概占我收入的百分之28左右，然后我每个月收入的百分之40到45都用于固定的存款。我最大的快乐呢，就是每个月点开我的手机银行，看着我的存款稳步地增长。”
我的这位朋友应该是喜欢存钱的年轻人的代表。她把她每个月收入的百分之40到百分之45都存在银行，这是固定的。她喜欢看她的存款稳步增长。
“我是不存钱派，不是因为我不想存钱，而是因为我没有钱可以存。我的收入比较可观，但是我每个月也要交比较高的房租。同时，我去年向我哥哥借了一些钱来读研究生文凭，所以我今年还需要还钱，所以我并没有钱剩下来去存。”
这位朋友呢，他现在没有钱可以存，因为他要交很高的房租。而且，他每个月也要还钱。
其实每个人的生活方式都不一样，我们只要找到我们最舒服的生活方式就可以了。那你呢？你是喜欢存钱的人，还是不存钱的人呢？欢迎在网站上给我们留言哦！
Hello everyone. Welcome back to MaoMi Chinese!
A few days ago, I and my friends are discussing whether we save money or not, and how much money we should save every month. If it’s my parents, they wouldn’t have these questions, because too many elderly Chinese people, saving money is necessary. People may have a stereotype that Chinese people like saving money. In fact, this might not be right. Today, let’s talk about why.
In 2018, a survey showed that in China 56% of people who were younger than 35 had no savings. In 2020, another report showed that among Chinese young people who were younger than 30, the annual average saving was 67450 yuan, which was roughly 10300 dollars and 7500 pounds. In 31 provinces in China, young people in Beijing and Shanghai had the most savings. They had about 100,000 yuan saving every year. However, there were also 11 provinces where young people have less than 30,000 yuan saving annually and there were 25 provinces where young people had less than 50,000 yuan saving annually.
Why some Chinese young people don’t save now? I think, here are the 2 main reasons. Firstly, some young people like consuming. Buying things and spending money makes them feel happier. Some Chinese young people think that we only have 1 life, so buy whatever we want. Secondly, some young people have lower income, or their rent are very expensive, so they have no way to save money. In some small Chinese cities, most people’s salaries are less than 10,000/month, and many people only have 2 or 3 thousand.
I asked a few of my friends. Some of them are fans of saving money, some of them are not. Let’s listen to their ideas.
‘I am a senior fan of saving money. Each month the rent is about 28% of my income. 40% to 45% of my income is for fixed savings. My best happiness is to turn on my mobile phone and see my savings steadily increasing every month.’
My friend should represent young people who like saving. She saves 40% to 45% of her monthly income in the bank, which is fixed. She likes to see her saving growing steadily.
‘I don’t save money. It’s not because I don’t want to save. It’s because I don’t have money to save. My income is quite impressive, but every month I need to pay pretty expensive rent. Meanwhile, I borrowed some money from my older brother last year for my postgraduate diploma and therefore, I need to pay it back this year. So I don’t have money to save.’
This friend does not have money to save now, because he has to pay expensive rent. Also, he has to pay back money every month.
Actually, everyone has a different lifestyle. It’s great as long as we find our most comfortable lifestyles. So how about you? Are you a fan of saving or not? Welcome to leave your comments on our website!