个人理财，是在对个人收入、资产、负债等数据进行分析整理的基础上，根据个人对风险的偏好和承受能力，结合预定目标运用诸如储蓄、保险、证券、外汇、收藏、住房投资等多种手段管理资产和负债，合理安排资金，从而在个人风险可以接受范围内实现资产增值的最大化的过程。下面有小编整理的关于个人理财的英语口语，欢迎大家阅读!
Dialouge 1
A:Can you lend me fifty bucks?
A:你可以借我50美元吗?
B:What? Again? Why do you keep running out of money?
B:什么?又借?你怎么老是缺钱?
A:I guess I don't earn enough.
A:我想是赚得不够多。
B:No,I think it's how you budget your life, that's the problem.
B:不，我想是你没有好好计划开支，这才是问题所在。
A:That's my business, not yours.
A:那是我的问题，不关你事。
B:True enough, until the time comes that you need to take my mon-ey.I don't know where you're wasting your money but I think you need to take a look at what's really important.
B:你说得对，可是每次你来找我借钱，我不知道你是怎么花掉你的钱的，但是你应该想想什么事情真正值得花钱。
A:So how do you survive from pay day to pay day?
A:那你是怎样度过没有发工资的日子呢?
B:I don't just survive. I put money away as well.I know when I get paid where most of the cash will go, and I stick to my plan. If I follow a budget I don't have any nasty surprises.
B:我不仅仅“度日”，我还存钱，领了工资后，我知道钱该往什么地方花，而且我坚持这种做法，我遵循一个比较固定的预算。量人为出，这样我就没有你这种麻烦了。
A:I'm not disciplined enough I guess.
A:我想我无法那么自律。
B:ln a few months I'm planning to invest my money into some for-eign companies. I think you need to reevaluate your spending hab-its.
B:几个月以后我打算把钱投资到一些外国公司去。我想你应该再反省一下你的花钱习惯。
Dialouge 2
A:You look at bit dull today. What's up?
A:你今天看起来不那么高兴，怎么了?
B:Well, my mum lost her job yesterday.
B:嗯，我妈昨天把工作给丢了。
A:I'm sorry to hear that. Well,l heard that registered urban unem-ployment rate reached 4 percent this year,with more than half be-ing women.
A:真抱歉，我该问的。嗯，我听说今年城镇居民的`失业率达到4%，而其中一半以上都是女的。
B:The supply outstrips the demand in the job market and women are in a disadvantageous position as a whole.
B:人才市场供大于求，女性总的来说还是处于劣势。
A:Yeah,it's true. What is she going to do?
A:确实是那样。有什么办法吗?
B:Well,she is thinking of doing some household cleaning or baby-sitting in the community.
B:嗯，我妈打算去小区里给人打扫卫生或看孩子什么的。
A:That's not bad. It could be a short-term altemative. Your mum can look for another one when the market improves. Things will work out eventually.
A:那也不错。先暂时找个工作干着。等形势好转了再找个好的。事情最终都会解决的。
B:Thank you.I just hope she won't feel pressed.
B:谢谢了。我只希望她能心情好点儿。