Save Money or Spend It on Experiences?

Full script

Read the whole talk.

All slides in one place. Read it through once, then practice slide by slide.

1. 01Save Money or Spend It on Experiences?

   Hi, everyone. Every payday, I ask myself the same question: should I save this money, or spend it on a trip, a concert, or a class? My parents say save. My friends say live now. Let's look at both sides.

   大家好。每到發工資的日子，我都會問自己同一個問題：這筆錢是該存起來，還是花在旅行、音樂會或者課程上？我父母說要存錢。我朋友說要活在當下。我們來看看兩方面。

2. 02For Saving: Security

   On one hand, saving gives you security. If you lose your job or have an emergency, savings protect you. Just knowing the money is there can reduce stress.

   一方面，存錢能帶來安全感。如果失業或者遇到緊急情況，存款能保護你。光是知道有這筆錢在，就能減輕壓力。

3. 03For Saving: Future Goals

   Saving also helps with big goals, like buying a home or studying later. Small amounts saved regularly can grow into something meaningful.

   存錢還能幫助實現大目標，比如買房子，或者以後繼續讀書。定期存下的小錢，也能積累成有意義的一筆。

4. 04For Experiences: Memories Last

   On the other hand, experiences create memories that last. I still talk about a trip I took with my best friend five years ago. I can't remember most things I bought that year.

   另一方面，經歷能留下長久的回憶。我到現在還會聊起五年前和最好的朋友一起去的一次旅行。而那一年買的大部分東西，我都不記得了。

5. 05For Experiences: Some Chances Don't Return

   Some experiences also have a time limit. Traveling while you're young and healthy, or spending time with older family members, can't always wait until later.

   有些經歷也是有時間限制的。趁年輕健康去旅行，或者陪伴年長的家人，這些不一定能等到以後。

6. 06My Rule

   So here's my rule. Every payday, I save twenty percent first, automatically. Whatever is left after my bills, I can spend on experiences without feeling guilty.

   所以，我給自己定了一條規則。每次發工資，我先自動存下百分之二十。付完賬單後剩下的錢，我就可以毫無負罪感地花在各種經歷上。

7. 07Conclusion

   In conclusion, it doesn't have to be one or the other. Save first, then spend on what truly matters to you. What would you choose? Thank you.

   總之，這不一定是二選一。先存錢，再把錢花在對你真正重要的事情上。你們會怎麼選呢？謝謝大家。