Intermediate - A Financial Consultant (C2524)

A: 老同学,好久不见啊!
lǎo tóngxué, hǎojiǔbùjiàn a!
My old classmate, long time no see!
B: 是啊,毕业快十年了。
shì a, bìyè kuài shí nián le.
Yeah, it will soon be ten years since our graduation.
A: 你现在做什么工作?
nǐ xiànzài zuò shénme gōngzuò?
What work do you do now?
B: 我是老师。你呢?
wǒ shì lǎoshī. nǐ ne?
I am a teacher, and you?
A: 我在金融行业。
wǒ zài jīnróng hángyè.
I am in finance.
B: 哦,具体是做什么的?
ò, jùtǐ shì zuò shénme de?
Oh, what exactly do you do?
A: 我在银行做理财顾问。
wǒ zài yínháng zuò lǐcái gùwèn.
I am a financial management consultant.
B: 厉害的嘛!
lìhai de ma!
That's awesome!
A: 也没什么,说得简单点,就是如果储户有很多钱,不知道该怎么理财,就可以来咨询我。我给他们制订一个方案,多少钱炒股,多少钱买基金,多少钱买保险……
yě méi shénme, shuōde jiǎndān diǎnr, jiùshì rúguǒ chǔhù yǒu hěnduō qián, bù zhīdào gāi zěnme lǐcái, jiù kěyǐ lái zīxún wǒ. wǒ gěi tāmen zhìdìng yī gè fāng'àn, duōshǎo qián chǎogǔ, duōshǎo qián mǎi jījīn, duōshǎo qián mǎi bǎoxiǎn……
It's nothing. Putting it simply, if a depositor has a lot of money and doesn't know how to manage it, they can come and consult with me. I draw up a plan for them to set how much money to spend on speculating in stocks, how much money to use buying funds, how much money to buy insurances....
B: 你不理财,财不理你嘛。你们家一定是你理财咯?
nǐbùlǐcái,cáibùlǐnǐ ma. nǐmen jiā yīdìng shì nǐ lǐcái lo?
If you don't take care of your money, your money won't take care of you. So in your family it must be you who manages the money.
A: 不是,我的钱,得全部上交给我老婆。
bùshì, wǒ de qián, děi quánbù shàngjiāo gěi wǒ lǎopó.
No, I have to hand over all my money to my wife.

Key Vocabulary

毕业 bìyè to graduate
金融 jīnróng finance
行业 hángyè industry, profession
具体 jùtǐ specifically
理财 lǐcái to manage money
顾问 gùwèn consultant
储户 chǔhù depositor
咨询 zīxún to consult
制订 zhìdìng to draw up
方案 fāng'àn plan
炒股 chǎogǔ to speculate in stocks
基金 jījīn fund
保险 bǎoxiǎn insurance
你不理财,财不理你 nǐbùlǐcái,cáibùlǐnǐ If you don't take care of your money, your money won't take care of you.
上交 shàngjiāo to hand over to

Supplementary Vocabulary

理财 lǐcái financial management
利息 lìxī interest
储蓄 chǔxù savings
咨询师 zīxúnshī consultant
中央 zhōngyāng central

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