循環信用卡債務創紀錄
Investor Michael Burry warned that Americans are saving less and borrowing more and that the extra money they had accumulated through the pandemic has now been spent.
投資人貝瑞警告，美國人儲蓄減少，借貸增加，他們在整個疫情期間積累的額外資金現在已經花光了。
accumulate(v.)積累、積聚、積攢=gather
He said this could lead to a sustained decline in consumer spending and hurt companies’ bottom lines.
他說這可能導致消費者支出持續下降，並損害企業的利潤。
sustained(adj.)持久的;持續的=continuingdecline(n.)下降;減少;衰落=fall=decreasebottom line(生意上達成交易的)底線;最低條件;(公司在一段時期內的)盈虧總額
Burry is most famous for his billion-dollar bet against the housing market in the 2000s, which was detailed in Michael Lewis’s book “The Big Short.”
貝瑞在金融市場上享有盛名，最有名是在2000年左右對房地產市場做空數十億美元，這段事蹟被寫進邁克爾·劉易斯的《大賣空》一書。
bet against the market做空市場bet against the housing market賭房地產市場會下跌short=short-selling賣空;做空
The Scion Asset Management boss tweeted that “US Personal Savings fell to 2013 levels, the savings rate to 2008 levels — while revolving credit card debt grew at a record-setting pace back to the pre-COVID peak despite all those trillions of cash dropped in their laps.”
這位Scion資產管理公司的老闆在推特上寫道：「美國個人儲蓄降至2013年的水準，儲蓄率降至2008年的水準——而循環信用卡債務以創紀錄的速度增長，回到了新冠病毒爆發前的峰值，儘管他們手上有上兆元現金。」
savings存款;儲蓄金savings account儲蓄帳戶revolve(v.)(使)旋轉;(使)轉動;(使)環繞;圍繞revolving(v.)旋轉的;繞轉的;轉動的a revolving bookcase旋轉書櫃peak(n.)最高點;高峰sth. dropped in their laps意外、無預警獲得某事物
He added a concerning note which read, “Looming: a consumer recession and more earnings trouble.”
他添加了一條令人擔憂的註釋，寫道：「迫在眉睫：消費衰退和更多收益問題」。
concerning(adj.)令人擔憂的=worrying=disturbingloom(v.)(令人驚恐地)隱約顯現;(不希望或不愉快的事情)陰森地逼近
To explain in simpler terms, if people are getting deeper in debt and running out of savings, they will likely cut spending, and this will curb economic growth. Soaring inflation has also been a factor, forcing consumers to tighten their belts.
簡單解釋就是，如果人們的負債變得越來越多，儲蓄就會越來越少，他們可能會削減開支，這將抑制經濟成長。通膨飆升也是一個因素，迫使消費者勒緊褲帶。
in debt負債curb(v.)抑制;壓抑=restrain=hold backcurb inflation抑制通膨tighten ones belt勒緊褲帶、縮衣節食
Burry has been vocal about his market predictions.
貝瑞一向對他的市場預測直言不諱。
vocal(adj.)直言不諱的; 暢所欲言的=outspoken
In April, he tweeted that thanks to stimulus checks, forgivable loans, cash-out refinancing offers, and indirect economic aid, US households were able to increase their wealth.
今年4月，他在推特上表示，由於振興支票、可免除貸款、現金再融資方案和間接經濟援助，美國家庭在疫情期間財富增加。
stimulus checks經濟振興支票;紓困金支票forgivable loans可免除貸款forgivable可原諒的;可寬恕的a forgivable mistake情有可原的錯誤cash-out refinancing offers現金再融資方案indirect economic aid間接經濟援助
However, Burry also pointed out inflation fears that would prevent further stimulus and all the factors weighing on people’s finances, such as higher prices, rising interest rates, asset-price declines, and limited wage gains.
然而，貝瑞也指出，對通膨的擔憂恐阻礙進一步刺激，以及物價上漲、利率攀升、資產價格下跌和工資成長有限對人們財務狀況造成的壓力。
stimulus(n.)(經濟)振興;刺激weigh on sb.使～焦慮不安
Burry is well-known for his grim predictions about the financial market.
貝瑞以其對金融市場的悲觀預測而聞名。
grim(adj.)嚴峻的;令人沮喪的
Last summer, he identified the “greatest speculative bubble of all time in all things,” and warned that meme stocks and cryptocurrencies were headed towards the “mother of all crashes.”
去年夏天，他指出將發生「有史以來最大的投機泡沫」，並警告迷因股和加密貨幣即將成為「所有崩盤的源頭」。
speculate(v.)投機;做投機買賣speculative(adj.)投機的a speculative bubble投機泡沫a real-estate bubble房地產泡沫the dot-com bubble(1995年至2001年間)網際網路泡沫meme stocks迷因股票cryptocurrency(n.)加密貨幣