I'll dip into my savings this time.

这次我储蓄了。

For months, she and her husband, a school security officer, have been dipping into savings and using credit cards to keep up with higher prices on food, gas, energy, as they take care of their two children.

库克的丈夫是一名学校警卫，家里有两个孩子。几个月来，为了负担上涨的食品、汽油、能源支出，他们一直在储蓄和信卡。

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，这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。

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储蓄的人。

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

而且如果我们需储蓄，那完全没问题。

What I would probably do is spend more time managing how I take money out of the retirement pot and that's things around drawing down on Isas and how I draw down on the pension and that kind of thing.

我可能会花更多时间来管理如何从退休金中提取资金，这包括如何个人储蓄账户（Isas）以及如何提取养老金等事宜。

The elevated level of stock prices is one reason why net worth was rising relative to income last year, which is why consumer spending was so strong, because people drew down their savings as a result.

股价处于高位是去年净资产相对于收入增长的一个原因，这也解释了为何消费支出如此强劲，因为人们因此了储蓄。

However, if things don’t improve, debt could become another issue. Expecting better days ahead, many households have continued to spend, by taking out loans and dipping into savings.

然而，如果情况没有， 务可能成为另一个问题。许多家庭预计未来会有更好的日子， 他们通过贷款和储蓄继续消费。

If you can't get that $1,000 from your monthly income, let's say you only make $800 per month, you must dip into your savings to pay your mortgage.

如果你每月的收入无法达到1000美元，比如说你每月只能赚800美元，你就必须储蓄来支付抵押贷款。

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

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， 在需时这些储蓄，有时我们会向其他存了钱的人借钱。

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这笔务，这样就不为住房发愁了。

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401k退休储蓄计划或类似的大学基金。

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？

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

【dig】我又得储蓄了。

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，投入了一笔房地产交易。

Have you ever used your savings?

你有没有过储蓄？

And I think what gets people kind of going off track and it's like, oh, I don't know if I want to touch the savings to pay off the debt.

而且我认为是什么让人们有些偏离正轨， 就是像这样的想法：哦，我不知道我是否应该储蓄来还清务。

If your daily food intake is not enough to cover your energy needs, your body will dip into savings, or calories stored as body fat, to make up the difference.

如果你的日常食物摄入不足以满足能量需求，身体便会储蓄， 即以体脂形式储存的卡路里，来弥补这一差额。