剑19写作范文及解析 | Test3 每个人是否要为自己的未来存钱
观点类大作文，社会类话题
It is important for everyone, including young people, to save money for their future. To what extent do you agree or disagree with this statement?
题目来源：剑19Test3大作文
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题目大意
每个人，包括年轻人，都应该为自己的未来存钱。你在多大程度上同意或不同意这一说法?
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思路解析
这是一道观点类大作文，聊的是要不要存钱，审题是注意两点，一是题目明确提到了“young people”这个群体，在论证中需要考虑到。二是明确指出了存钱的目的是“for the future”，需要从这个角度出发展开。下面，王珍老师带大家一起来看下具体观点。
首先来看赞同的角度，有三方面。
一是存钱可以帮助个人应对未来可能出现的紧急情况或突发事件，例如失业、疾病或养老。提前存钱可以确保在这些情况下有足够的资金应对，减少经济压力，保障生活质量。
二是年轻人存钱可以帮助他们实现长期目标，如买房、创业或接受更多教育和培训。通过积累储蓄，他们可以离达成目标更近一步，而不需要依赖贷款或其他形式的债务，从而减少经济负担。
三是从年轻时开始存钱有助于培养良好的财务习惯，这些习惯将伴随人们的一生。有了这项技能，个人可以在在未来更好地规划和管理自己的财务，提高经济独立性和安全感。
再来看反对的角度，同样可以有三个角度
一是年轻人应该把钱花在当下的自我发展上，例如教育、培训和旅行，以积累知识和经验，提高自己的竞争力和综合素质。这些投资可能比单纯存钱带来的长期回报更大，有助于他们在职业生涯中获得更高的收入和更好的发展机会。
二是年轻人正处于人生的探索阶段，追求即时满足感和快乐也是重要的生活体验。过度强调存钱可能让他们错过很多值得体验的美好事物和机会，例如旅行、社交活动和兴趣爱好，这些都是丰富人生经历的重要部分。
三是年轻人的消费对经济增长有积极作用。通过购买商品和服务，他们可以推动市场需求，促进经济发展。如果所有人都倾向于存钱而不是消费，可能会导致经济停滞和市场萧条，影响整体社会的繁荣。
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提纲
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高分范文示例
In today's society, the importance of financial planning and saving for the future cannot be overstated, particularly for young individuals. I firmly agree that everyone, including young people, should prioritize saving money to ensure financial stability and security in the long term.
Firstly, developing the habit of saving money from a young age instils financial discipline and responsibility. Young people who learn to save early are better equipped to manage their finances as they grow older. This financial acumen helps them avoid the pitfalls of debt and unnecessary expenditures, fostering a sense of independence and self-sufficiency. For instance, a young adult with a savings account is less likely to rely on credit cards or loans for unexpected expenses, thereby avoiding high interest rates and potential financial strain.
Moreover, saving money early provides a safety net for future uncertainties and opportunities. Life is unpredictable, and having a financial cushion can alleviate stress during times of crisis, such as unemployment, medical emergencies, or economic downturns. Additionally, having savings can open doors to opportunities that require financial investment, such as higher education, starting a business, or purchasing property. For example, a young individual with substantial savings can afford to pursue advanced degrees or entrepreneurial ventures without the burden of overwhelming debt.
On the other hand, some might argue that young people should focus on enjoying their youth and spending money on experiences rather than saving. While it is important to enjoy life and gain valuable experiences, this perspective overlooks the long-term benefits of financial planning. Striking a balance between enjoying the present and preparing for the future is crucial. Young people can still partake in enriching experiences while setting aside a portion of their income for savings. This balanced approach ensures they do not compromise their future financial security for short-term gratification.
In conclusion, the practice of saving money from a young age is essential for ensuring financial stability, independence, and preparedness for life's uncertainties and opportunities. By prioritizing savings, young individuals can build a secure financial foundation that will benefit them throughout their lives.
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相关词汇和语法结构
saving for the future 为未来储蓄
financial stability 财务稳定
manage their finances 管理他们的财务
instills discipline 灌输纪律
financial acumen 财务敏锐度
avoid the pitfalls of debt 避免债务陷阱
unnecessary expenditures 不必要的开支
sense of independence 独立感
Self-sufficiency 自给自足
safety net for future uncertainties 未来不确定性的安全网
alleviate stress 缓解压力
economic downturns 经济衰退
overwhelming debt 巨额债务
long-term benefits 长期利益
developing the habit 养成习惯
sense of independence 独立感
unnecessary expenditures 不必要的开支
alleviate stress 缓解压力
