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One key to achieving financial security is having an emergency fund.
擁有緊急預備金是實現財務安全的關鍵之一。
key(n.)關鍵security(n.)安全、保障
This is money saved to cover unexpected expenses or emergencies, such as car or home repairs, medical bills or job loss.
緊急預備金是為應對突發的支出或緊急狀況而儲存的資金，例如汽車或房屋維修費、醫療費用或失業。
cover(v.)支付expense(n.)支出、費用repair(n.)修理sth. be under repair某物在修繕中sth. be beyond repair某物無法修理loss(n.)失去、損失
An emergency fund should contain between half a month and six months of living expenses.
緊急預備金的金額應包含半個月到六個月的生活費。
contain(v.)包含container(n.)容器living expenses生活開銷、生活支出
The lower amount can help with small emergencies and the higher amount can help with bigger ones, like losing a job.
較低的金額可以幫助應付小額的緊急支出，而較高的金額則有助於應付較大的緊急支出，例如失業。
amount(n.)數量，接不可數名詞help with幫助=assist in／aid inbe between jobs失業中
The U.S. Consumer Financial Protection Bureau suggests several ways to build an emergency fund.
美國消費者金融保護局（CFPB）建議了幾種建立緊急基金的方法。
suggest(v.)建議=recommend／propose
First, large amounts of money received for a birthday or a large bonus can be set aside in the fund.
首先，可以將生日禮金或大額獎金存入緊急預備金。
bonus(n.)獎金、紅利set aside撥出、儲存=put aside
Money can also be saved from paychecks to make sure the fund grows each month.
也可以從薪水中儲蓄，以確保緊急預備金每月都有增長。
paycheck(n.)薪資單
The CFPB also offers advice on where to keep the emergency fund.
CFPB也提供了關於存放緊急預備金的建議。
advice(n.)建議constructive advice有建設性的建議
The safest, most convenient place is in a bank account.
最安全且最方便的方式是將資金存入銀行帳戶中。
account(n.)帳戶、描述give a vivid account of sth.對某事提出生動的描述
Another option is having cash on hand, which is less secure because cash can easily be stolen or lost.
另一個選擇是將現金放在手邊，但這樣較不安全，因為容易被竊取或丟失。
on hand手邊的、隨時可用的secure(adj.)安全的、穩定的、牢固的
However an emergency fund is kept, it is a great way to help pay for life’s unexpected events.
不論緊急預備金存放方式如何，它都是應對生活中突發事件的一個好方法。
however(adv.)無論如何=no matter how