hoarded cash

简明释义

贮存的现金

英英释义

例句

1.During the economic crisis, many people started to keep their money as hoarded cash 囤积现金 instead of investing it.

在经济危机期间，许多人开始将他们的钱作为囤积现金 囤积现金而不是投资。

2.After losing his job, he resorted to living off his hoarded cash 囤积现金 for several months.

失业后，他不得不靠囤积现金 囤积现金生活几个月。

3.The wealthy businessman was criticized for his hoarded cash 囤积现金 while others struggled to make ends meet.

这位富有的商人因其囤积现金 囤积现金而受到批评，而其他人则挣扎着维持生计。

4.In times of uncertainty, individuals may feel safer with hoarded cash 囤积现金 rather than relying on banks.

在不确定的时期，个人可能会觉得拥有囤积现金 囤积现金比依赖银行更安全。

5.The government encourages spending rather than hoarded cash 囤积现金 to stimulate the economy.

政府鼓励消费而不是囤积现金 囤积现金以刺激经济。

作文

In today's fast-paced world, the concept of money management has become increasingly important. Many individuals find themselves in a constant struggle to save and invest wisely. Among various financial strategies, one term that often comes up is hoarded cash. This phrase refers to the practice of accumulating large amounts of money without putting it to productive use. It raises questions about the implications of such behavior on both personal finances and the economy as a whole.To begin with, hoarded cash can be seen as a response to uncertainty. During times of economic instability, individuals may feel the need to safeguard their wealth. For instance, during the COVID-19 pandemic, many people chose to save rather than spend, leading to an increase in savings rates. While this cautious approach can provide a sense of security, it can also have detrimental effects on the economy. When consumers hoard cash instead of spending it, businesses suffer from reduced sales, which can lead to layoffs and further economic downturns.Moreover, hoarded cash represents missed opportunities for investment. Money that sits idle does not contribute to wealth generation. Instead, it loses value over time due to inflation. For example, if an individual keeps $10,000 in a savings account with minimal interest, that money will lose purchasing power over the years. On the other hand, investing that same amount in stocks, bonds, or real estate could potentially yield significant returns. This highlights the importance of finding a balance between saving for emergencies and investing for future growth.Additionally, the psychological aspect of hoarded cash cannot be overlooked. Some individuals may derive comfort from having cash on hand, believing it provides them with control over their financial situation. However, this mindset can lead to a false sense of security. The fear of losing money can prevent individuals from taking necessary risks that could lead to greater financial stability. Learning to manage this fear is crucial for anyone looking to improve their financial health.Furthermore, society as a whole can be affected by the phenomenon of hoarded cash. When large segments of the population choose to save excessively, it can lead to a decrease in consumer spending, which is a vital component of economic growth. Governments and policymakers often implement measures to encourage spending, such as tax breaks or stimulus packages, to combat the negative effects of cash hoarding. These interventions aim to stimulate the economy by encouraging people to invest and spend rather than simply save.In conclusion, while hoarded cash may provide a temporary sense of security, it can have far-reaching consequences for both individuals and the economy. It is essential to strike a balance between saving for emergencies and investing for future growth. By understanding the implications of hoarding cash, individuals can make more informed decisions about their financial strategies. Ultimately, embracing a proactive approach to money management can lead to greater financial stability and contribute to a healthier economy overall.

在当今快节奏的世界中，金钱管理的概念变得越来越重要。许多人发现自己在努力明智地储蓄和投资。在各种金融策略中，一个常常出现的术语是囤积现金。这个短语指的是积累大量资金而不加以有效利用的做法。它引发了关于这种行为对个人财务和整个经济影响的问题。首先，囤积现金可以被视为对不确定性的回应。在经济不稳定时期，个人可能会感到需要保护自己的财富。例如，在COVID-19大流行期间，许多人选择储蓄而不是消费，导致储蓄率上升。虽然这种谨慎的方法可以提供安全感，但也可能对经济产生不利影响。当消费者囤积现金而不是消费时，企业的销售额下降，可能导致裁员和进一步的经济衰退。此外，囤积现金代表了投资机会的丧失。闲置的资金无法促进财富的增长。相反，由于通货膨胀，它的价值随着时间的推移而下降。例如，如果一个人将10,000美元存入一个利息微薄的储蓄账户，这笔钱将随着岁月流逝而失去购买力。另一方面，将同样的金额投资于股票、债券或房地产可能会带来可观的回报。这突显了在应急储蓄和未来投资之间找到平衡的重要性。此外，囤积现金的心理方面也不容忽视。一些个人可能从手头有现金中获得安慰，认为这使他们对财务状况有控制感。然而，这种心态可能导致虚假的安全感。对失去金钱的恐惧可能会阻止个人采取必要的风险，从而导致更大的财务稳定。学会管理这种恐惧对任何希望改善其财务状况的人来说都是至关重要的。此外，整个社会也可能受到囤积现金现象的影响。当大部分人群选择过度储蓄时，可能导致消费支出减少，而消费支出是经济增长的重要组成部分。政府和政策制定者经常实施措施以鼓励消费，例如减税或刺激计划，以应对现金囤积的负面影响。这些干预措施旨在通过鼓励人们投资和消费而不是仅仅储蓄来刺激经济。总之，虽然囤积现金可能带来暂时的安全感，但它对个人和经济可能产生深远的影响。找到储蓄应急资金和投资未来增长之间的平衡至关重要。通过理解囤积现金的影响，个人可以更明智地做出财务决策。最终，积极主动地进行金钱管理可以带来更大的财务稳定，并有助于整体经济的健康发展。