真不能跟外国人谈收入吗？

这周，大家都在讨论12万是否算高收入，中国的情况我们就不多说了。

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说说美国吧！

怎么样在美国算高收入？

美国人谈钱、谈收入，真的那么难以启齿？

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音乐: For the love of money, 特朗普的The Apprentice真人秀主题曲

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工资：income，salary还是wage?

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这些词都可以，不过每个的用法有区别：

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• Salary: 工资
  
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多用于annual salary (年收入、年薪)

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• Wage: 工资
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多用于hourly wage (小时薪酬)

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• Income: 收入
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多用于monthly or annual income (月或年收入)

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Make money ｜赚钱

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We don't really talk about salaries. Too sensitive: 美国人真的互相不太聊工资、聊收入，很敏感

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But when we do: 不过如果问，可以这样问：

Q:

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• How much do you make a month/a year?
• What's the pay like?
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A：

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• I make xxx.
• The pay is (good) or (bad).
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This topic makes most people uncomfortable and awkward: 这个话题让大多数人很不自在、很尴尬

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Makes you seem very nosy if you ask: 如果你问，别人会觉得你很爱管闲事

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美国，6位数是高薪

这几天，大家都在讨论的“12万”这个数字，英语怎么说？

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正式：

• 120,000: a hundred twenty thousand
  
  

口语：

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• 120 grand:  a hundred twenty grand
• 120 K: a hundred twenty K
  
  

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虽然美国人不太会谈具体的收入数字，但是会说大概范围：

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• A 5-figure salary: 5位数年薪
• A 6-figure salary: 6位数年薪
  
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If you make 6 figures, it's something to brag about: 如果有6位数年薪，那也值得夸耀

Most Americans don't make 6 figures: 大多数美国人都没有6位数年薪

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"高收入"怎么说？

最口语的3种说法：

• Someone makes a high salary: 收入不错
• Someone makes a lot: 赚很多钱、收入高
• You're doing pretty well for yourself: 收入不错哦
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正式的说法：

High income earner: 高收入者

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It's too formal. We don't use it in daily life: 太正式了，口语里不会这么说

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税前、税后、到手

• Gross income (before tax): 税前收入
• Net income (after tax): 税后收入
  
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还有一个很形象的说法

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Take-home salary/pay: 到手收入

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存钱、储蓄

• To save up (动词)
• Savings (名词)
  
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It's hard to have savings nowadays: 现在要存钱真难

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外国人怎么谈收入？

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You don't talk about salary with mere acquaintances: 一般性的熟人不会谈

It's a very private and sensitive issue: 总之是个特别私人、敏感的话题

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#1. 好朋友能谈吗？| With close friends

We usually talk about what we do, not the salary: 和朋友之间谈工作，主要是聊在做什么事, 不是工资

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I don't know how much most of my friends make: 我不知道我好朋友的收入水平

但有一种情况下，美国人会和朋友谈工资：

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If you're looking for work in the same industry: 如果你找工作，那个行业正好是你朋友从事的

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You can ask them for advice to make sure you don't get the short end of the stick: 可以问一下工资建议，确保自己不吃亏

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But don't ask the exact amount: 但也不会问具体的数字

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• Salary range: 大概的工资范围
• Ballpark figure: 大概的范围，＊ballpark是口语的说法＊
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＃2. 男女朋友呢？| With your boyfriend or girlfriend

Only if you're in a steady relationship: 除非是关系特别稳定的

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Maybe you're heading towards marriage: 有结婚打算的

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People who just started dating don't talk about their salaries: 刚开始恋爱的，不会谈收入

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＃4. 家人之间呢？| With your own family

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You talk about it with your parents and siblings: 和父母、兄弟姐妹会聊

Maybe not always the exact figure: 有时也不是具体的数字

The first time I realized how much my parents made was during college application: 我第一次意识到我父母的工资是申请大学的时候

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You have to put in your parents' income to see if you qualify for grants and scholarships: 要填父母收入情况，看你是否有资格申请助学金、奖学金

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＃5. 美国夫妻怎么管钱？| With your husband and wife

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In China, a lot of husbands give part of their salary to their wives: 在中国，很多先生会把收入的一大部分交给太太

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The wife manages the household expenses: 太太会管理家用开支

Most married American couples have a joint bank account: 很多美国夫妻会有一个联名账户

It's a pool of money: 把钱都集中起来

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But each person still has their separate card and access: 但是夫妻各自有自己的卡，和独立使用的权限

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#4. 要付父母房租？ ｜Pay rent to your parents

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Most Americans think adults shouldn't live with their parents: 大多数美国人觉得, 成年后要从家里搬出去

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Adults should be independent: 成年了，要独立

But many people are moving back or never leave home because rent is so expensive: 但是现在，越来越多的人搬回去跟爸妈住，因为租金太贵了

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Most parents will ask their children to contribute a fixed amount each month: 很多父母会让孩子每个月付一笔固定的钱

To cover utilities, groceries: 贡献水电费、吃的喝的

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In China, we also give part of our salaries to our parents:  在中国，我们也会给父母工资的一部分

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But they save it up for us: 但是爸爸妈妈会帮我们存起来

料到金钱、收入，中美差异还真大；

你在这方面有什么经验、观察、问题？

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开言英语

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