I'll dip into my savings this time.

次我要储蓄了。

Yet this is exactly what should be seen if some people are dipping into their excess savings.

然而，如果一些人自己的过剩储蓄，正是应该看到的情况。

So the first thing that happened was when he took out the 401k.

- 首先发生的事情是他了401k退休储蓄计划。

So, I took that money out of 401k, put it into a real estate deal.

所以，我了401k退休储蓄计划里的钱，投入了一笔房产交易。

Are you pulling from savings at all?

你有没有储蓄呢，约翰？

Because you had said you didn't want to touch the savings.

因为你之前说过你不想储蓄。

How much of this savings, Amber, are you using monthly?

安伯，你每月多少笔储蓄？

I have a hard time touching that nest egg.

我很难那笔养老储蓄。

Who may need their savings because of a life event that comes up.

由于突发的生活事件可能需要储蓄的人。

And if we need to dip into savings, that's totally fine.

而且如果我们需要储蓄，那完全没问题。

I’m going to have to dig into my savings again.

【dig】我又储蓄了。

Have you ever used your savings?

你有没有过储蓄？

What do we call it when you actually have to go into your savings to spend something?

当您实际上必须储蓄来花钱时， 我们怎么称呼它？

And that'll make you feel a little bit better about letting go of less of your savings.

会让你在较少储蓄时感觉好一些。

You would take your emergency fund and pay off your $10,000 today.

你会应急储蓄，今天就把那1万美元的债务还清。

So, Lester, for retirement savers, the important thing is when you need to tap that 401k or likewise that college fund.

因此，莱斯特，对于退休储蓄者来说，关键在于何时需要401k退休储蓄计划或类似的大学基金。

So sometimes we save money ourselves and dip into that savings when we need it, and sometimes we borrow from other people who've saved money.

因此， 有时我们会自己存钱， 在需要时些储蓄，有时我们会向其他存了钱的人借钱。

So if I have to prop up my business using my personal savings, then I'm supporting the business financially while it goes through a difficult time.

因此，如果我不不个人储蓄来支撑我的生意，那么在段艰难时期， 我就是在经济上支持它， 助其渡过难关。

If people have the funds and it sounds like the solicitor has savings they can pull from, I'd say that's generally the route you'd want to go.

如果人们有资金， 且起来律师也有储蓄可以，那么通常来说， 就是你应选择的路径。

We could drain our savings and pay off that with a little bit of a personal loan and not have to worry about a roof.

我们可以储蓄，再借一点个人贷款来还清笔债务，样就不为住房发愁了。