摘要：雅思中國網雅思頻道跟大家分享的雅思閱讀素材題目是“College students have a lot to learn about finances”。關于這個問題，我的答案是肯定。大學不應該是大概學學，而應該是廣泛學習，金融知識滲入在日常的方方面面，所以一定要學。

今天給大家帶來的是一篇關于大學生的雅思閱讀文章。新生代大學生缺乏金融知識，不知道怎么做預算。究其根本，主要是因為多數學生缺少相關家庭教育。父母和學校應該為大學生們補上這一課，越早越好。一起來看看這篇文章怎么說的吧！

Ask a college freshman what he or she is excited about, and the list might range from the lack of a curfew(宵禁;戒嚴) to the unlimited dining hall pizza. Likely not on the list? Learning how to make smart financial decisions. And that's too bad, say experts, as that's exactly what all students need to focus on.

Millennials(千禧一代), perhaps not surprisingly, are not very savvy(精明的;精通的)about money. In fact, a recent study, Money Matters on Campus, found that since 2012 students are less likely to follow a budget, pay credit card bills on time and infull, balance their checkbooks every month or buy only the things they need. The study, which surveyed 42,000 college freshmen across theU.S.,was conducted by education technology company EverFi and sponsored by Higher One, a financial services company serving college students.

College students know they could do better. When it comes to grading(評分) how they manage their money, half give themselves a lukewarm(不溫不火的) "C," according to a 2015 U.S. Bank survey of 1,640.

"Most of these kids come from homes whose parents don’t possess any kind of plan for the money except planning their next vacation or doing Christmas," says Jim Chilton,CEO of the non-profit Society for Financial Awareness.(非營利性的金融意識社團總裁Jim Chilton說，“這些孩子的父母除了計劃下一次的旅行和過圣誕，花錢大都沒有什么計劃。”)

"When these young folks hit college, it’s a tidal wave of indecision ... as they punch in quickly Mommy and Daddy’s cell number to find out how they’re going to get by(應付;應對),"he says. "I call this begging by cluelessness(無知). It happens every start to a new semester."(“當這些年輕人上了大學，那就是各種猶豫不決的高峰期……他們忙不迭地撥打父母的手機，詢問怎樣過日子。”他說。“我把這種現象稱為無腦的乞討，每學期開學都會發生。”)

Millennials know they're in for (一定會遇到)some pain. They face higher levels of a student loan debt — two-thirds of recent bachelor’s degree recipients(接受者) have outstanding student loans, with an average debt of about $27,000, compared with $15,000 two decades ago — and face lower levels of wealth and personal income than Baby Boomers and Gen X at the same stage in their lives, according to a 2014 Pew Research Centerreport.

So parents should talk to their children about finances — and the sooner the better. With fall semester upon them, students are spending (and, sometimes, saving) money on their own,often for the first time in their lives. The choices they make can affect their lives for years to come, so it's critical that they make informed(知情的)ones.

For starters, teach themhow to budget, explain the intricacies(微妙，復雜) of having and using a credit card, and encourage them to ask if their college offers a financial literacy course.(教新生怎樣做預算，告訴他們使用信用卡的復雜之處，或是鼓勵他們問一問學校有沒有金融掃盲課程。).

“Many Millennials aren't as financially savvy as they'd like to be — mainly because no one has ever taught them about personal finances," says Lynnette Khalfani-Cox, a money coach and author of multiple financial well-being books.

Chilton adds, "It's never too early to start."

Vocabulary

Millennials千禧一代

Curfew宵禁;戒嚴

Savvy精通的;精明的

Grade評分

Lukewarm微溫的;不夠熱情的

Getby 應付;應對;勉強度日

Bein for… 一定會遇到……

Informed知情的

Intricacy微妙之處

本文中雅思寫作高分句式

1. In fact, a recent study,Money Matters on Campus, found that since 2012 students are less likely to follow a budget…

句式1：a recent study found that…最近的一項研究發現……

句式2：…is/are (less/more)likely to do… 更不可能/更有可能做……

2. When it comes to grading(評分) how they manage their money, half give themselves a lukewarm(不溫不火的) "C,"…

句式：when it comes tosomething/doing something 當談到……

3. With fall semester upont hem, students are spending (and, sometimes, saving) money on their own, often for the first time in their lives.

句式：with…隨著……

4. The choices they make can affect their lives for years to come, so it's critical that they make informed(知情的)ones.

句式：it is critical that… ……很關鍵/重要。

本文觀點選自“唐老雅”