A：So, Jimmy, how does it feel to have your own money? 
Jimmy, 自己有钱的感觉怎么样？

B：It’s great, dad. I don’t mind delivering papers, but the real fun is collecting the money.
太棒了，爸爸。送报纸倒没有什么，真正的快乐是收钱。

A：Even though you are only twelve, it’s not too early to start saving a little money. 
虽然你才刚刚十二岁，可现在开始攒钱也不算早了。

B：I’ve never had a bank account before. Why don’t I just keep my money under the matterss like grandpa does?
我还从来没有开过银行账户呢。为什么我就不能像爷爷那样把钱藏在床垫下呢？

A：You know you would spend it. And also, money in the bank earns interest. 
那样，你就会把钱花掉的。况且，把钱存在银行还有利息呢。

B：But what if I need my money suddenly?
如果我急需用钱，怎么办？

A：The bank will give you a PIN, and you can withdraw money from any ATM. 
银行会给你一个密码，你可以从自动提款机提钱。

B：Great! So it’s almost the same as keeping it under the matters!
太好了! 这么说，存在银行和藏在床垫下并没有什么区别!

A：Not quite. You have to maintain a minimum balance of twenty dollars. And sometimes the bank has service charges. But you don’t have to worry about that yet. Let’s go make your first depos 
不太一样。你的账户里最少得存二十美元。有时候，银行还要收服务费。但你现在还不用担心这些。我们去存第一笔钱吧!

B：OK. Guess I have to do that before. I can make money my first withdrawal.
好的。只有先存钱，我才能开始取钱。