Granted, I was in college, so I wasn't responsible for replacing our belongings via savings and insurance, but I'm fairly certain I would react the same way today if faced with such a crisis.

诚然，当时还在上大学， 不需要通过储蓄和保险承担更物品的责任，但相当确定， 如果今天面对同样的危机， 仍会做出相同的反应。

And what savings you had, the co-pays and the out-of-pocket portion that the insurance didn't cover wiped it out?

你所拥有的储蓄，加上那些保险未覆盖的自付部分和共同支付费用，已经全部耗尽吗？

Or you might be getting close enough where we have to worry about IRMA as far as Medicare goes.

或者你可能已经接近需要担心与医疗保险相关的IRMAA（医疗保险储蓄计划调整金额）的阶段。

We get equal insurances, saving schemes, like everything like that is the same for both Sevens programs.

获得平等的保险、储蓄计划，就像所有类似的内容对于两个 Sevens 计划是相同的。

The so-called three-pillar pension system consists of a basic endowment insurance plan led by the government, an enterprise supplementary endowment insurance plan, and a personal savings insurance plan.

所谓三支柱养老金体系，包括由政府主导的基本养老保险计划、企业补充养老保险计划以及个人储蓄保险计划。

So if I were in your shoes, I would just park this in a high-yield savings as an insurance policy that you get out of school 100% debt-free.

所以如果是你，会把这笔钱存入一个高收益储蓄账户，作为保险，确保你毕业后完全无债。

If you’re looking for long-term growth, the government’s own saving certificates are a pretty good bet.

【bet】如果你希望长期增值，政府的储蓄券是比较保险的。

So it may take some manual math to go, okay, we're not including my retirement savings or my health care deductions, just Uncle Sam takes their cut, Medicare, Social Security, federal taxes.

所以可能需要手动计算一下，好的， 不包括的退休储蓄或医疗保险扣款，只是给国税局留一部分，医保、社保和联邦税。