22-5-26【地道美语237】消费习惯与借钱生活，人工智能与个人理财

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millennials, money, and mobile tech

dialogue 1

Jingjing:　Mark, last time we saw each other we talked about________________.　I wonder what you think about __________?

Mark:　Hmm, that's ____________.　My first thought is that I'm tired of _________ that get used to _________________.

Jingjing:　You mean,____________?

Mark:　Sure, and _______________.　When they__________________, that's when it started to ______.

Jingjing:　Or, perhaps, ___________________.

Mark:　Generation Y might have made ________________.　China's way of doing it is simpler, and _____________: post-90s, post-2000s, etc.

Jingjing:　Well, OK.　Do you think people_______________ these years have as many _____ as you did?

Mark:　Good question.　I think a lot of things____________.

Jingjing:　For instance?

Mark:　______________.　There are so many apps for that.　Back when I was in college, it took me ________________on Excel to start to notice_________________.

Jingjing:　Yeah, an app can ___________________of what kind of life someone could expect based on their _______________.

Mark:　About ___, I disagree with most people about__________________________.

Jingjing:　I don't ______________.　People have chances we didn't have to do____________________.

Mark:　A whole lot of ___________ can be removed by apps ______________.

Jingjing:　I wish there were_____________that would __________________ for me based on my ____ and ____ needs.

Mark:　That'd be pretty cool—probably still more ____ than cooking, but something that would __________________ every day for something________________.

dialogue 2

Jingjing:　Mark, when you __________, I found an article about Americans__________.

Mark:　Oh yeah?　What's__________?

Jingjing:　More people than before ___________ their network of friends to ____________.

Mark:　That's probably a better choice than _________, when someone _____or so to_______________ for the month.

Jingjing:　I'd agree with you; but the article also said Americans have something like______ billion in __________.

Mark:　That's, what, _______GDP?

Jingjing:　Still, a lot of people are earning far less than_______________ of GDP, still_______ pretty big debts.

Mark:　Hopefully apps can solve that problem—let someone know how much ——-, if they buy it_____________________ when they can pay for it____________.

Jingjing:　Actually, I was_____________ by the article.　____________ suggests that people other than ———— are______________________.

Mark:　Then it's ___________, or kids.

Jingjing:　That'd be_____.　Then again, a lot of people with money know how to____________.

Mark:　They _______ numbers like you saw in the article, without _____what _________ is doing with money.　Anyway, as ———would______________ credit cards and ——

Jingjing:　That'd be nice.　It seems like you guys have___________________.

Mark:　Each with its ______________, don't I know it!

Jingjing:　Well, I didn't want to_____________.　Do you think AI is _________ for personal ——?

Mark:　It might lead people to give up hope, and others to _________________.　Definitely a new dawn, probably one with__________________.

Jingjing:　Geez,_______________!

Mark:　Sorry about that!　Anyway, good talk.　I'm __________________________.

new words and phrases

millennials:

generation X:　

generation Y:　

baby boomer:　

paint a pretty clear picture:

subscribe to that:　

the scoop:　

the average Joe:　

bubble:　

facets:　

tread water:

easy street: