避免過度花費
Phoebe is asking Wayne about whether she should get a debit card.
菲比問韋恩她是否該辦一張簽帳金融卡。
credit card 信用卡
Phoebe: Do you think it is necessary for me to get a debit card? I already have an ATM card actually.
菲比：你覺得我需要辦簽帳金融卡嗎？我其實已經有一張提款卡了。
necessary(adj.)必要的
Wayne: It depends on your spending habits. To me, using a debit card is more convenient, as opposed to an ATM card, which is strictly limited to transactions at an ATM. Plus, debit cards can be used at millions of stores, online merchants and ATMs.
韋恩：要不要辦取決於妳的消費習慣。對我而言，比起只能用來提款的提款卡，簽帳金融卡比較方便。再加上，許多店家、網路商家或自動提款機都接受簽帳金融卡。
depend on 取決於～as opposed to 相較於～be limited to 受限於
Phoebe: That’s true. Finding an ATM can sometimes be too much of a hassle to bother with.
菲比：這倒是真的，有時候找台自動提款機也是挺麻煩的。
hassle(n.)麻煩或困難的事
Wayne: Instead of running up a credit card balance, debit cards let you pay with the money you actually have in your bank account and help you prevent spending beyond your budget.
韋恩：比起積欠卡費，簽帳金融卡讓妳使用帳戶中的實際存款餘額，這有助於避免過度花費。
run up a debt 欠債run up a bill 積欠帳款run up expenses 欠費within budget 在預算內
Phoebe: For spendthrifts like me, it helps budgeting and managing my money wisely.
菲比：像我這樣的月光族，這有助於控制預算及妥善管理金錢。
spendthrift 月光族live (from) paycheck to paycheckbudget(v.)控制預算
Wayne: But keep in mind that financial tools don’t come without any drawbacks. Debit cards are no exception.
韋恩：但要記得，金融工具並非毫無缺點，簽帳金融卡也不例外。
drawback(n.)缺點、不利因素exception(n.)例外
Phoebe: How so?
菲比：怎麼說？
Wayne: Debit cards generally don’t offer as many perks or have as many protections against fraud as credit cards.
韋恩：簽帳金融卡通常不比信用卡提供那麼多的福利與防詐騙措施。
perk(n.)（工作上的）福利或待遇、好處、有利條件benefit(n.)福利protection(n.)保護（措施或機制）
Phoebe: How bad could it be if I don’t have the protections?
菲比：要是沒有防詐騙措施，情況會有多糟？
Wayne: Let’s say, if an identity thief hacks into your account and takes out your money, you would lose the money immediately and getting the money back would be tough.
韋恩：比方說，如果有人盜用個資並登入妳的帳戶，然後把錢提出來，錢會直接被盜取，要再追回這筆錢就很難了。
hack(v.)駭客入侵tough(adj.)棘手的、困難的