個人理財，是在對個人收入、資產、負債等資料進行分析整理的基礎上，根據個人對風險的偏好和承受能力，結合預定目標運用諸如儲蓄、保險、證券、外匯、收藏、住房投資等多種手段管理資產和負債，合理安排資金，從而在個人風險可以接受範圍內實現資產增值的最大化的過程。下面有小編整理的關於個人理財的英語口語，歡迎大家閱讀!
A:Can you lend me fifty bucks?
A:你可以借我50美元嗎?
B:What? Again? Why do you keep running out of money?
B:什麼?又借?你怎麼老是缺錢?
A:I guess I don't earn enough.
A:我想是賺得不夠多。
B:No,I think it's how you budget your life, that's the problem.
B:不，我想是你沒有好好計劃開支，這才是問題所在。
A:That's my business, not yours.
A:那是我的.問題，不關你事。
B:True enough, until the time comes that you need to take my mon-ey.I don't know where you're wasting your money but I think you need to take a look at what's really important.
B:你說得對，可是每次你來找我借錢，我不知道你是怎麼花掉你的錢的，但是你應該想想什麼事情真正值得花錢。
A:So how do you survive from pay day to pay day?
A:那你是怎樣度過沒有發工資的日子呢?
B:I don't just survive. I put money away as well.I know when I get paid where most of the cash will go, and I stick to my plan. If I follow a budget I don't have any nasty surprises.
B:我不僅僅“度日”，我還存錢，領了工資後，我知道錢該往什麼地方花，而且我堅持這種做法，我遵循一個比較固定的預算。量人為出，這樣我就沒有你這種麻煩了。
A:I'm not disciplined enough I guess.
A:我想我無法那麼自律。
B:ln a few months I'm planning to invest my money into some for-eign companies. I think you need to reevaluate your spending hab-its.
B:幾個月以後我打算把錢投資到一些外國公司去。我想你應該再反省一下你的花錢習慣。
Dialouge 2A:You look at bit dull today. What's up?
A:你今天看起來不那麼高興，怎麼了?
B:Well, my mum lost her job yesterday.
B:嗯，我媽昨天把工作給丟了。
A:I'm sorry to hear that. Well,l heard that registered urban unem-ployment rate reached 4 percent this year,with more than half be-ing women.
A:真抱歉，我該問的。嗯，我聽說今年城鎮居民的失業率達到4%，而其中一半以上都是女的。
B:The supply outstrips the demand in the job market and women are in a disadvantageous position as a whole.
B:人才市場供大於求，女性總的來說還是處於劣勢。
A:Yeah,it's true. What is she going to do?
A:確實是那樣。有什麼辦法嗎?
B:Well,she is thinking of doing some household cleaning or baby-sitting in the community.
B:嗯，我媽打算去小區裡給人打掃衛生或看孩子什麼的。
A:That's not bad. It could be a short-term altemative. Your mum can look for another one when the market improves. Things will work out eventually.
A:那也不錯。先暫時找個工作幹著。等形勢好轉了再找個好的。事情最終都會解決的。
B:Thank you.I just hope she won't feel pressed.
B:謝謝了。我只希望她能心情好點兒。
