教育费用规划
Financial Planning for Education
父母讨论并制定如何为孩子的教育提供资金的策略，包括学费、课外活动、潜在的海外留学费用以及长期储蓄计划。
对话轮次
8
预计时长
4 分钟
场景
儿童教育规划
完整对话内容
以下是该情境的完整英语对话，包含中英文对照和重点解析
👩
Wife
第 1 轮
Honey, we really need to sit down and strategize how we're going to finance Ethan's education. He's growing up so fast, and the costs are only going to increase.
English
亲爱的，我们真的需要坐下来好好规划一下伊桑的教育经费。他长得太快了，费用只会越来越高。
中文翻译
👨
Husband
第 2 轮
You're right. I've been thinking about it too. Tuition fees alone are daunting, not to mention extracurricular activities and the potential for overseas study down the line.
English
你说得对。我也一直在考虑这件事。光是学费就让人望而却步了，更别提课外活动和以后可能发生的海外留学费用了。
中文翻译
👩
Wife
第 3 轮
Exactly. We need a solid long-term savings plan. Maybe a dedicated education fund? And what about college savings accounts or other investment options?
English
就是。我们需要一个可靠的长期储蓄计划。也许是一个专门的教育基金？还有大学储蓄账户或其他投资选择呢？
中文翻译
👨
Husband
第 4 轮
Good ideas. We should definitely look into 529 plans or similar tax-advantaged accounts. We also need to factor in potential inflation.
English
好主意。我们应该研究一下529计划或类似的免税账户。我们还需要考虑潜在的通货膨胀。
中文翻译
👩
Wife
第 5 轮
That's a crucial point. Beyond just the tuition, he might want to pursue a sport or a specific art. Those specialized programs can be quite expensive.
English
那是一个关键点。除了学费，他可能想学一项运动或一门特定的艺术。这些专门的课程会很贵。
中文翻译
👨
Husband
第 6 轮
Right. We should set aside a separate budget for those. And if he does go to college abroad, the living expenses will probably exceed the tuition itself.
English
对。我们应该为那些项目留出单独的预算。如果他真的去国外上大学，生活费可能会超过学费本身。
中文翻译
👩
Wife
第 7 轮
Then we should probably consult a financial advisor who specializes in education planning. They could give us tailored advice.
English
那我们可能应该咨询一位专门从事教育规划的财务顾问。他们可以给我们量身定制的建议。
中文翻译
👨
Husband
第 8 轮
That's an excellent suggestion. We need a comprehensive strategy, not just a savings account. Let's schedule a meeting with one next week.
English
那是个很棒的建议。我们需要一个全面的策略，而不仅仅是一个储蓄账户。我们下周就约一个顾问见面吧。
中文翻译
🎯
对话学习完成
结合右侧的词汇和句型解析，加深理解和记忆
重点词汇
strategize
制定策略
To plan carefully or make a strategy for something, often used in business or family discussions like planning for the future.
中文解释
仔细规划或为某事制定策略，通常用于商业或家庭讨论中，如规划未来。
finance
金融
To provide money for something, like paying for education; as a noun, it means money matters.
中文解释
为某事提供资金，例如支付教育费用；作为名词，指金钱事务。
tuition fees
学费
The money paid to a school or university for classes; important for talking about education costs.
中文解释
支付给学校或大学的用于上课的钱；对于谈论教育成本很重要。
daunting
令人生畏的
Something that seems scary or difficult to deal with, like high costs that make you worry.
中文解释
看起来可怕或难以应对的东西，比如那些让你担心的昂贵成本。
extracurricular activities
课外活动
School activities outside of regular classes, like sports or clubs, which help children develop skills.
中文解释
学校正常课堂以外的活动，如体育或俱乐部，帮助儿童发展技能。
savings plan
储蓄计划
A method to save money over time for a specific goal, such as a child's future education.
中文解释
一种随着时间为特定目标储蓄金钱的方法，例如孩子的未来教育。
inflation
通货膨胀
The rise in prices over time, which makes things more expensive in the future; key in financial planning.
中文解释
随着时间推移价格上涨，使未来的东西更贵；在财务规划中至关重要。
budget
预算
A plan for how to spend money; 'set aside a budget' means to reserve money for something specific.
中文解释
如何花钱的计划；'预留预算'意味着为特定事物预留钱。
financial advisor
财务顾问
A professional who gives advice on money matters, like saving for education; useful when seeking expert help.
中文解释
一位提供金钱事务建议的专业人士，例如为教育储蓄；寻求专家帮助时有用。
comprehensive
全面的
Complete and including all important parts; used for a full plan that covers everything.
中文解释
完整并包括所有重要部分；用于涵盖一切的完整计划。
重点句型
"We really need to sit down and strategize how we're going to finance Ethan's education."
"我们真的需要坐下来，制定策略，讨论如何资助Ethan的教育。"
重点句型
语法解析
This sentence uses 'sit down and' to suggest a serious discussion, and 'strategize' for planning; useful for starting family talks about future plans. Grammar: 'how we're going to' shows future intention.
中文解析
这个句子使用“sit down and”来暗示严肃的讨论，“strategize”用于规划；有助于开启关于未来计划的家庭对话。语法：“how we're going to”表示未来的意图。
"Tuition fees alone are daunting, not to mention extracurricular activities and the potential for overseas study down the line."
"单单学费就令人望而却步，更不用说课外活动和未来可能的海外留学了。"
重点句型
语法解析
This expresses that costs are scary, and adds more with 'not to mention'; 'down the line' means in the future. Useful for discussing increasing expenses. Grammar: List of items with 'and' for addition.
中文解析
这表达了费用吓人的含义，并用‘not to mention’添加更多；‘down the line’意为将来。适用于讨论不断增加的费用。语法：用‘and’连接的项目列表。
"We need a solid long-term savings plan."
"我们需要一个稳固的长期储蓄计划。"
重点句型
语法解析
'Solid' means reliable, 'long-term' for over many years; this is a direct way to suggest saving money. Useful in financial conversations. Grammar: Simple statement with adjectives describing the plan.
中文解析
“Solid”意为可靠，“long-term”指持续多年；这是直接建议储蓄钱财的方法。在金融对话中有用。语法：用形容词描述计划的简单陈述。
"We should definitely look into 529 plans or similar tax-advantaged accounts."
"我们绝对应该研究529计划或类似的税收优惠账户。"
重点句型
语法解析
'Look into' means to research or investigate; 'definitely' shows strong agreement. Useful for suggesting options in planning. Grammar: Modal 'should' for advice, with 'or similar' for alternatives.
中文解析
“Look into”意为研究或调查；“definitely”表示强烈的同意。在规划中建议选项时有用。语法：情态动词“should”用于建议，用“or similar”表示替代方案。
"We also need to factor in potential inflation."
"我们还需要考虑潜在的通货膨胀。"
重点句型
语法解析
'Factor in' means to include or consider something important; useful for talking about future risks like rising prices. Grammar: 'Potential' describes possible future events.
中文解析
‘Factor in’的意思是包括或考虑某件重要的事情；这在谈论未来风险如价格上涨时很有用。语法：‘Potential’描述可能发生的未来事件。
"We should set aside a separate budget for those."
"我们应该为那些拨出单独的预算。"
重点句型
语法解析
'Set aside' means to reserve; 'separate' for something distinct. Practical for allocating money. Grammar: 'For those' refers back to previous ideas like activities.
中文解析
'Set aside' 意思是预留；'separate' 用于区别的事物。在分配资金方面实用。语法：'For those' 指回之前提到的想法，如活动。
"Then we should probably consult a financial advisor who specializes in education planning."
"那么，我们可能应该咨询一位专注于教育规划的财务顾问。"
重点句型
语法解析
'Consult' means to seek advice from an expert; 'who specializes in' describes the person's expertise. Useful when needing professional help. Grammar: Relative clause 'who' adds details.
中文解析
“Consult”意为向专家寻求建议；“who specializes in”描述了这个人的专长。在需要专业帮助时很有用。语法：关系从句“who”添加细节。
"We need a comprehensive strategy, not just a savings account."
"我们需要一个全面的策略，而不仅仅是一个储蓄账户。"
重点句型
语法解析
'Comprehensive' means full and complete; 'not just... but' pattern contrasts simple vs. detailed plans. Useful for emphasizing thorough planning. Grammar: Contrast with 'not just' for comparison.
中文解析
“Comprehensive”意为完整和全面；“not just... but”模式对比简单与详细计划。有助于强调彻底规划。语法：使用“not just”进行对比。