2024年12月四级第2套仔细阅读 Passage 1 原文翻译及答案解析

As a university student, I've come to realise just how little I know about money. I've come to the brutal realisation that Australia's youth are being done a great disservice by not receiving any consistent financial education.

作为一名大学生，我逐渐意识到自己对金钱的了解是多么匮乏。我痛苦地认识到，澳大利亚的年轻人由于没有接受任何持续的金融教育，正在遭受极大的损害。

Diving headfirst into the crash course of starting university, I've quickly tried to get myself up to speed with the financial terms of the modern era to help manage my personal finances. I've read some financial education books, done some online learning, and have spoken to my nearest and dearest for their pearls of financial wisdom.

一头扎进大学的速成课程中，我迅速试图让自己跟上现代金融术语，以帮助管理个人财务。我阅读了一些金融教育书籍，进行了一些在线学习，并向我最亲近的人请教他们的金融智慧珍珠。

There are undoubtedly hundreds of great resources out there for those wishing to improve their financial literacy, but while I was researching, I still kept wishing that I didn't have to play catch-up with the money world. I felt that I was sailing the financial seas with no skills and no life jacket!

毫无疑问，有数百个优秀资源供那些希望提高金融素养的人使用，但在研究过程中，我仍然希望不必在金钱世界中追赶。我感觉自己像在金融海洋中航行，没有技能也没有救生衣！

However, after talking to my friends who felt the same, I quickly realised that it wasn't my ignorance but the lack of financial education in our schooling system that is leaving high schoolers seriously behind in the modern world of money.

然而，在与有同样感受的朋友交谈后，我很快意识到，不是我的无知，而是我们学校教育体系中缺乏金融教育，才让高中生在现代金钱世界中严重落后。

Let's compare a theoretical financial education subject to the standard compulsory English class. On average, English may not be the most popular subject, but it's consistently on the schedule throughout high school, with all students graduating fluent in English.

让我们将一个理论上的金融教育科目与标准的必修英语课进行比较。平均而言，英语可能不是最受欢迎的科目，但它在整个高中期间一直安排在课程表中，所有学生毕业时都能流利使用英语。

A financial education subject should do just the same. It shouldn't be just a one-day event but a course integrated throughout the whole of high school that would allow students to gradually expand their financial literacy, and would prevent the need for a 'catch up' phase once we're out on our own after graduation.

金融教育科目应该做到同样的事情。它不应该只是一天的活动，而应该是一门贯穿整个高中的课程，让学生逐步扩展金融素养，并避免毕业后独立生活时需要“追赶”阶段的需要。

In the same way that learning a language or new skills takes time, building financial skills requires practice and years of gradually accumulating it and applying it to daily life.

就像学习一门语言或新技能需要时间一样，建立金融技能需要实践和多年逐渐积累并将其应用于日常生活。

Giving young people the opportunity to become familiar with the world of money would provide them with a great advantage to enter adulthood with confidence and security so that they are able to manage their own money and look after themselves.

给予年轻人熟悉金钱世界的机会，将为他们提供巨大的优势，使他们能够自信和安全地进入成年，从而能够管理自己的金钱并照顾自己。