FINANCIAL ADVICE was once doled out(分发，施舍) solely(仅仅，唯一地) by well-paid professionals, and solely to the wealthy. Then, from the 1980s, celebrity advisers(明星顾问) took their tips to large radio and TV audiences, especially in America. Today legions(大批，众多) of social-media “finfluencers(金融网红)” spout off(高谈阔论，滔滔不绝) recommendations to anyone, anywhere.
过去，财务建议只由高薪专业人士提供，且只面向富人。然后，从20世纪80年代开始，明星顾问将他们的建议传播给广大的广播和电视观众，尤其是在美国。如今，大批社交媒体上的“金融网红”向任何地方的任何人滔滔不绝地提供建议。
As in previous decades, the recommendations of investment gurus(大师，权威)—how to cut expenses, build a savings fund or avoid scams(骗局，诈骗)—are sensible and universal. Beyond the shared basics, though, their counsel differs in telling ways(显著的方式). They may not know it, but they hold up a mirror(反映，揭示) to their countries’ financial mores(金融习俗), resisting audiences’ vices(恶习，坏习惯) or accidentally reinforcing(加强，强化) them.
与前几十年一样，投资大师的建议——如何削减开支、建立储蓄基金或避免骗局——是明智且普遍适用的。然而，在这些共同的基础之外，他们的建议却在显著的方式上有所不同。他们可能没有意识到，但他们正为自己的国家的金融习俗竖立一面镜子，要么抵制听众的恶习，要么无意中强化它们。
In America no young finfluencer yet matches the stature of(达到……的地位) Dave Ramsey, a gruff(粗声粗气的，粗鲁的) 65-year-old radio star turned podcaster(转型为播客主播). Much of his advice—offered in a stern(严厉的，不苟言笑的), fatherly style—is evergreen(永不过时的，常青的), built around(围绕……构建) emergency funds, sensible saving and buying shares for the long term.
在美国，还没有年轻的金融网红能与戴夫·拉姆齐的地位相匹敌，他是一位 65 岁、粗声粗气的广播明星转型播客主播。他的许多建议——以严厉又慈父般的风格提供——是永不过时的，围绕应急基金、理性储蓄和长期购买股票展开。