A: 你工作这么多年了，有没有开始考虑理财的事情？Nǐ gōngzuò zhème duō nián le, yǒu méiyǒu kāishǐ kǎolǜ lǐcái de shìqing?
You've been working for so many years — have you started thinking about managing your money?
B: 其实我前几年都没怎么管钱，工资花完就算了。今年才意识到需要好好规划。Qíshí wǒ qián jǐ nián dōu méi zěnme guǎn qián, gōngzī huā wán jiù suàn le. Jīnnián cái yìshi dào xūyào hǎohao guīhuà.
Honestly, the past few years I didn't really manage my money — once the salary was spent, that was it. Only this year did I realize I need to plan properly.