VOA慢速英语：美国千禧一代谨慎消费

Many young Americans have a large amount of debt even before they begin working. Millennials -- people between 18 and 35 -- are worried about paying their student loans, so many of them are not using credit cards. Some experts believe this trend may have a long-term effect on the economy.
许多年轻的美国人在他们开始工作之前就已经负债累累。千禧一代--18至35人群--担心他们的学生贷款，所以他们中的许多人不再使用信用卡。专家认为这种趋势可能对经济产生了长远的影响。
Stefanie O’Connell graduated from New York University with a degree in drama and a large amount of debt. There were not many jobs for someone with her education. So she became cautious about how she spent her money.
斯蒂芬妮 欧 康奈尔（音译）毕业于纽约大学，戏剧学位，并且负债累累。她并没有很多对口的工作。所以，她很谨慎的消费。
That behavior caused her to begin a new career as a financial expert. She writes ablog about wealth management. It has helped her to learn that many millennials share her situation.
这种行为导致她成为一名理财专家作为新的职业生涯。她编辑关于财务管理的博客。这能都帮助她了解更多的千禧一代分享他们的状况。
“They’re very wary of spending beyond their means. They’re wary of tools like credit cards. They’re wary of taking any kind of risk -- even if it is a smart risk, like investing.”
“他们”对于入不敷出的消费很谨慎。他们对于信用卡工具很谨慎。他们对于谈论风险--甚至是很精明的投资风险也很谨慎。
O’Connell’s experience with her blog readers is supported by information gathered by the U.S. central bank. It found that the percentage of Americans under 35 who hold credit card debt has fallen to its lowest level since 1989.
欧 康奈尔和他的读者的经历为美国中央银行收集的信息提供了帮助。美国35岁以下的人持有信用卡负债的百分比已经下降至1989之后的最低点。
Credit cards are an important part of the American financial system. Without one, it is difficult to buy many goods and services. These can include buying a cell phone or renting an apartment.
信用卡是美国金融系统的重要部分。没有信用卡，是很难买到商品和享受到服务的。这些包括了购买电话和租房子。
Credit expert Adam Levin says young people need these financial instruments.
信用专家 亚当 莱文（音译））说年轻人需要这些金融工具。
“It’s critically important for a young person to build credit, to build strong credit. That doesn’t mean you over-credit yourself. It just means that you are wise about your credit; you are a responsible payer, that you don’t get yourself in over your head.”
对于年轻人来说建立信用是十分重要的。但是并不是意味着你要过度消费自己。只是意味着你要智慧消费；你要成为一个负责任的消费者，不能让自己栽在自己的头上。
Smartphone apps like Level Money can help young people build credit. The apps give advice and help people make better spending decisions without going deeper into debt.
智能手机APP例如Level Money 能够帮助年轻人建立信用。这些APP可以给出建议并且帮助人们如何在不陷入负债的情况下更好的作出消费决策。
I’m Ashley Thompson.
艾斯利 托马森 报道。