真不能跟外国人谈钱吗 Agenda

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这周，大家都在讨论12万是否算高收入，中国的情况我们就不多说了。
说说美国吧！
怎么样在美国算高收入？
美国人谈钱、谈收入，真的那么难以启齿？

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音乐: For the love of money, 特朗普的The Apprentice真人秀主题曲
工资：income，salary还是wage?

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这些词都可以，不过每个的用法有区别：
Salary: 工资
多用于annual salary (年收入、年薪)
Wage: 工资
多用于hourly wage (小时薪酬)
Income: 收入
多用于monthly or annual income (月或年收入)
Make money ｜赚钱

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We don't really talk about salaries. Too sensitive: 美国人真的互相不太聊工资、聊收入，很敏感
But when we do: 不过如果问，可以这样问：
Q:
How much do you make a month/a year?
What's the pay like?
A：
I make xxx.
The pay is (good) or (bad).
This topic makes most people uncomfortable and awkward: 这个话题让大多数人很不自在、很尴尬
Makes you seem very nosy if you ask: 如果你问，别人会觉得你很爱管闲事
美国，6位数是高薪
这几天，大家都在讨论的“12万”这个数字，英语怎么说？
正式：
120,000: a hundred twenty thousand
口语：
120 grand: a hundred twenty grand
120 K: a hundred twenty K

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虽然美国人不太会谈具体的收入数字，但是会说大概范围：
A 5-figure salary: 5位数年薪
A 6-figure salary: 6位数年薪
If you make 6 figures, it's something to brag about: 如果有6位数年薪，那也值得炫耀
Most Americans don't make 6 figures: 大多数美国人都没有6位数年薪
"高收入"怎么说？
最口语的3种说法：
Someone makes a high salary: 收入不错
Someone makes a lot: 赚很多钱、收入高
You're doing pretty well for yourself: 收入不错哦
正式的说法：
High income earner: 高收入者
It's too formal. We don't use it in daily life: 太正式了，口语里不会这么说
税前、税后、到手
Gross income (before tax): 税前收入
Net income (after tax): 税后收入
还有一个很形象的说法

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Take-home salary/pay: 到手收入
存钱、储蓄
To save up (动词)
Savings (名词)
It's hard to have savings nowadays: 现在要存钱真难
外国人怎么谈收入？

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You don't talk about salary with mere acquaintances: 一般熟人不会谈
It's a very private and sensitive issue: 总之是个特别私人、敏感的话题
#1. 好朋友能谈吗？| With close friends
We usually talk about what we do, not the salary: 和朋友之间谈工作，主要是聊在做什么事, 不是工资
We don't know how much most of our friends make: 基本上好朋友之间也不知道各自的收入水平

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但是，有一种情况下，外国人会和朋友谈工资：
If you're looking for work in the same industry: 如果你找工作，那个行业正好是你朋友从事的
You can ask them for advice on salary to make sure you don't get the short end of the stick: 可以问一下工资建议，确保自己不会吃亏
But we don't ask the exact amount: 但也不会问具体的数字
Salary range: 大概的工资范围
Ballpark figure: 大概的范围，＊ballpark是口语的说法＊
＃2. 男女朋友呢？| With your boyfriend or girlfriend
Only if you're in a steady relationship: 除非是关系特别稳定的
Maybe you're heading towards marriage: 有结婚打算的

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People who just started dating don't talk about their salaries: 刚开始恋爱的，不会谈收入
Many people don't know what their girlfriend/boyfriend makes: 很多人都不知道自己男女朋友的收入情况
＃4. 家人之间会聊吗？| With your own family
You talk about it with your parents and siblings: 和父母、兄弟姐妹会聊
Maybe not the exact figure, just the ballpark: 也许不是具体数字，是大概范围
The first time I realized how much my parents made was during college application: 我第一次意识到我父母的工资是申请大学的时候
You have to put in your parents' income to see if you qualify for grants and scholarships: 要填父母收入情况，看你是否有资格申请助学金、奖学金
＃5. 美国夫妻怎么管钱？| With your husband and wife

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In China, a lot of husbands will give part of their salary to their wife: 在中国，很多先生会把收入的一大部分交给太太管理
The wife manages the household expenses: 太太会管理家用开支
Most married American couples know how much the other person makes: 大多数美国夫妻当然了解彼此的收入情况
They have a joint bank account: 他们会有一个联名账户
A joint account is a pool of money: 联名账户就是把钱都集中起来
But each person still has their separate card and access: 但是夫妻各自有自己的卡，和独立使用的权限
#4. 要付父母房租？｜Pay rent to your parents
Most Americans think adults shouldn't live with their parents: 大多数美国人觉得, 成年后就要从家里搬出去
The idea is adults should be independent: 要独立
But many people are moving back or never leave home because rent is so expensive: 但是现在，越来越多的人搬回去跟爸妈住，因为租金太贵了
Some parents want their kids to live with them. They offer a free stay: 也有父母特别希望孩子跟自己住，会让他们免费住
Most parents will ask their children to contribute a fixed amount each month: 很多父母会让孩子每个月付一笔固定的钱
To cover utilities, groceries: 贡献水电费、吃的喝的