听力原文：
Passage One

To achieve financial security, how much you save is always more important than the amount you earn or how shrewdly you invest. If you are under 30 years old, your goal should be to save 20% of your monthly income after tax deductions. This is irrespective of how much you earn. Approximately 50% should be reserved for the essential like food and accommodation. Through mainly 30% is for recreation and entertainment. But for many young people, it'll be difficult to designate such a large proportion of their income for savings.
If you find it hard to save any money at all, start up by cutting all unnecessary spending, allocate at a tiny amount of 1 or 2 percent for savings, and gradually increase that amount. Always keep that 20% goal in mind for prevent yourself from becoming complacent.
It can be challenging to stick to such a strict plan. But if you adopt the right mindset, you should be able to make it work for you.
So, what should you be doing with the money that you saving? Some must be kept easily accessible in case you need some cash in emergency. The largest proportion should be invested retirement plans. Either for the young employer or privately. And you can keep some money for high risk but potentially lucrative investments. Dividends can be re-invested or used to purchase something you like. By following this plan, you should hopefully be able to enjoy your life now, and still be financially secure in future.

Q9：What are people under 30 advised to do to achieve financial security?

细节辨认题。短文开头提到，对于30岁以下的年轻人，目标是将每月税后收入的20%存起来，即30岁以下的年轻人应将每月净收入的五分之一存起来。

听力原文：
Passage One

To achieve financial security, how much you save is always more important than the amount you earn or how shrewdly you invest. If you are under 30 years old, your goal should be to save 20% of your monthly income after tax deductions. This is irrespective of how much you earn. Approximately 50% should be reserved for the essential like food and accommodation. Through mainly 30% is for recreation and entertainment. But for many young people, it'll be difficult to designate such a large proportion of their income for savings.
If you find it hard to save any money at all, start up by cutting all unnecessary spending, allocate at a tiny amount of 1 or 2 percent for savings, and gradually increase that amount. Always keep that 20% goal in mind for prevent yourself from becoming complacent.
It can be challenging to stick to such a strict plan. But if you adopt the right mindset, you should be able to make it work for you.
So, what should you be doing with the money that you saving? Some must be kept easily accessible in case you need some cash in emergency. The largest proportion should be invested retirement plans. Either for the young employer or privately. And you can keep some money for high risk but potentially lucrative investments. Dividends can be re-invested or used to purchase something you like. By following this plan, you should hopefully be able to enjoy your life now, and still be financially secure in future.

Q10：What should people do if they find it difficult to follow the speaker's advice on their financial plan?

细节推断题。讲话者提到，如果按他提出的理财计划建议很难做到，可以先从削减不必要的开支做起，先存1%~2%，然后逐渐增加这个比例。

听力原文：
Passage One

To achieve financial security, how much you save is always more important than the amount you earn or how shrewdly you invest. If you are under 30 years old, your goal should be to save 20% of your monthly income after tax deductions. This is irrespective of how much you earn. Approximately 50% should be reserved for the essential like food and accommodation. Through mainly 30% is for recreation and entertainment. But for many young people, it'll be difficult to designate such a large proportion of their income for savings.
If you find it hard to save any money at all, start up by cutting all unnecessary spending, allocate at a tiny amount of 1 or 2 percent for savings, and gradually increase that amount. Always keep that 20% goal in mind for prevent yourself from becoming complacent.
It can be challenging to stick to such a strict plan. But if you adopt the right mindset, you should be able to make it work for you.
So, what should you be doing with the money that you saving? Some must be kept easily accessible in case you need some cash in emergency. The largest proportion should be invested retirement plans. Either for the young employer or privately. And you can keep some money for high risk but potentially lucrative investments. Dividends can be re-invested or used to purchase something you like. By following this plan, you should hopefully be able to enjoy your life now, and still be financially secure in future.

Q11：What does the speaker think is important for achieving financial security?

综合理解题。短文前半部分提到关于如何存钱的财务计划，后半部分提到存下的钱如何使用的问题，末尾提到只有坚持这样的计划，你才能享受现在的生活并确保未来的财务安全。由此可知，制订合理的计划是确保实现个人财务安全的重要办法。