I never borrow money; I don't like being in debt.

我从不借钱；我不喜欢负债。

They don't understand the relationship and differences between the balance sheet and the income statement.

他们不了解资产负债和之间的关系和区别。

You want to keep your head above water.

你想保持不负债。

Most people struggle financially because they do not know the difference between an asset and a liability.

多数就是因为不清楚资产与负债之间的区别才在财务问题中苦苦挣扎。

He did not look forward to being in debt because his restaurant was no longer popular.

他不希望由于餐馆不受欢迎而负债。

" Because people do not know the difference between an asset and a liability."

“因为们并不明白资产和负债的区别。”

It is caused by financial illiteracy and not understanding the difference between an asset and a liability.

而这是由他们在财务上的无知以及不理解资产和负债的区别造成的。

But are there other ways of building this future without having to lever up?

但是有没有其他方式来构建这个未来而不需要负债呢？

I'm not going into debt and then trying to pay it off later.

我不打算负债然后再想办法以后还清。

We go through those traps first, and we won't describe what might cause it to be a liability, but we'll assume for now that that puttable share is not liability classified.

我们首先会探讨那些陷阱，虽然不会述可能导致其被归类为负债的因素，但目前我们假设这种可回售股票并不属于负债分类。

I think that being debt-free is a really great And I'm sure many of us would love to never have any debt when it comes to our property.

我认为无债一身轻确实很棒，我相信我们许多都会希望在房产方面永远不负债。

Most Americans do not have enough savings to survive for more than two weeks without going into debt which means it is also stressful.

大多数美国没有足够的储蓄来支撑超过两周的生活而不负债，这意味着这也是一种压力。

And I'm wondering, in order to do that without debt, we would need to sacrifice part of our retirement for this.

我在想， 为了不负债购置度假屋，我们可能需要为此牺牲部分退休储蓄。

I don't like the word indebtedness, but I'm trying to think of a different like a synonym for that.

我不喜欢“负债”这个词，但我正在想办法找一个同义词。

If you don't like the off-balance-sheet theory, John, it's incumbent upon you to give us another theory.

如果你不喜欢资产负债外理论，约翰， 那么你有责任提出另一种理论。

Knowing that we can deal with unexpected costs without accruing debt helps us sleep at night.

知道我们可以应对意外开支而不负债让我们晚上睡得更香。

So we're going to go no debt.

所以我们打算不负债。

According to a study published by Bankrate, a financial services comparison and publishing company, 57% of Americans could not cover an unexpected $1,000 expense without taking on debt or selling something.

根据金融服务业比较和出版公司Bankrate发布的一项研究，57%的美国无法在不负债或变卖东西的情况下承担一笔意外的1000美元开销。

Essentially, what it says is we've got to get away from this whole business of mismatching the asset and liability side of our financial core institutions, of our financial system.

基本上，它的意思是我们必须摆脱这种资产和负债不匹配的问题，这是关于我们金融核心机构和整个金融系统的问题。

Double screwed is just screwed, right?

双倍负债不也还是负债吗?