2025届福建省厦门海沧实验中学英语高三上期末考试试题含解析

2025届福建省厦门海沧实验中学英语高三上期末考试试题考生请注意：1．答题前请将考场、试室号、座位号、考生号、姓名写在试卷密封线内，不得在试卷上作任何标记。2．第一部分选择题每小题选出答案后，需将答案写在试卷指定的括号内，第二部分非选择题答案写在试卷题目指定的位置上。3．考生必须保证答题卡的整洁。考试结束后，请将本试卷和答题卡一并交回。第一部分（共20小题，每小题1.5分，满分30分）1．Accordingtoarecentstudy,thehighschoolgraduationrateforblackmenhasfallenby43percent,while________ofblackwomenhasrisenby56percent.A．that B．whatC．one D．which2．---Howabout______plantoopenabranch?---Ishouldsayitwas______failure.A．a;a B．a;/ C．the;/ D．the;a3．---Couldweaccomplishthetaskaccordingtotheschedule?---Idoubtthat.Theproblemremains______wecangetfinancialaidwithinthisweek.A．that B．how C．why D．when4．Amotherrecognizesthefeelofherchild’sskinwhenblindfolded._________,shecaninstantlyidentifyherbaby’scry.A．SimilarlyB．MeanwhileC．NeverthelessD．Accordingly5．---________IremindyouofistoreturnthebooktoourEnglishteacher.---Iwillgiveittohim_________Iseehim.A．That;immediatelyB．What;themomentC．What;whileD．Whether;once6．Ifweusethenewrecyclingmethod,alargenumberoftrees.A．aresaved B．willsave C．willbesaved D．havesaved7．－WhataboutinvitingTracytohosttheparty?－Goodidea!Sheisveryquickinmind.Oh,_______,hereshecomes.A．don’tpullmyleg B．alittlebirdtoldmeC．speakofthedevil D．it’sapieceofcake8．Thebusdroppedmeoffandpulledaway_____IrealizedIhadleftmybagonit.A．whileB．beforeC．afterD．since9．WhenIsaidsomeonebroketheschoolregulations,I______you.Whydidyougetthatangry?A．don’treferto B．haven’treferredto C．wasn’treferringto D．hadn’treferredto10．-Areyoureadyforthehistorytesttomorrow?-No,IwishI_____theclockback.A．hadturned B．couldturnC．willturn D．wouldhaveturned11．WuLeiistheonlyChineseplayerhasmadeitontothelatestWorldSoccer500list.A．who B．whichC．whose D．whom12．Ifyou,thespecialoneintheworld,wanttoshowyour______personality,thisT-shirtisexactlywhatyouarelookingfor.A．calm B．unique C．straight D．constant13．Itissometimessaidthatasocietycanbejudged____thewayitcares____itsweakestmembers.A．on;about B．by;for C．under;with D．with;on14．Theoldwomanwho________inthedesertedhousealonefortenyearshasbeensettledinanursinghomenow.A．lived B．haslivedC．hadlived D．hasbeenliving15．HelensaidthatshewouldbringmeJustinBieber'slatestCDthenextday,butshe.A．wouldn't B．didn'tC．hadn't D．hasn't16．Youneverreallyunderstandaperson________youconsiderthingsfromhispointofview.A．if B．onceC．as D．until17．Whenitcomestoinpublic,noonecanmatchhim.A．speak B．speaking C．beingspoken D．bespoken18．Privatecarswillberequiredtostayoffroadsoneoutoffiveweekdays____thetrafficpressure.A．toreduce B．reducing C．reduced D．reduce19．Theshockingnewsmademerealize_____________terribleproblemswewouldface.A．that B．howC．why D．what20．—Idroppedbyat6:00pmyesterdaybutfailedtoseeyouatyourhouse.—I________inagymatthattime.A．wasexercisingB．amexercisingC．haveexercisedD．hadexercised第二部分阅读理解（满分40分）阅读下列短文，从每题所给的A、B、C、D四个选项中，选出最佳选项。21．（6分）AROBOTcompanionforolderpeopleaimstopromoteactivityanddealwithlonelinessbyurgingthemtotakepartindigitalandphysicalactivities.TheElliQrobot,madebyIsrael-basedstart-upIntuitionRobotics,willbepublishedattheDesignMuseuminLondonthisweek.ElliQisasmalldesktopdevicethatconsistsofadomed(拱形的)“body”andaseparatedetachable(可拆卸的)screen.CreatedincollaborationwithSwissdesignerYvesBehar,therobotisabletoencourageadegreeofsocialengagement.SimilartohomeassistantsliketheAmazonEcho,peoplecansimplytalktoit,andtherearevisualcluesthatcouldbeparticularlyhelpfulforthosewithhearingdifficulties.AkeypurposeofElliQistoactasaneasyplatformtoaccessexistingservicessuchassocialmedia,andmessagingprograms.Forexample,thedevicecouldalerttheusersthattheirgrandchildhaspostedanewphotoonFacebook,showittothemonthescreen.ElliQcanrecommendactivitiesvoluntarily.Itmightaskifyou’reinterestedinwatchingavideo,forinstance,orsuggestawalk.Itcanalsoactasremindertotakemedication.Havingarobotconstantlyoffersuggestionscouldobviouslygetannoying,sothedeviceusesmachinelearningtotailorthesesuggestionstoindividualpreferences.Ifasuggestionismetwithapositiveresponseonce,ElliQmighttryitagain.Ifnot,itmightchangeforadifferenttack.1、WhichofthefollowingstatementsisNOTtrue?A．Arobotcompanionforolderpeoplewillstronglyadvisethemtoparticipateindigitalandphysicalactivitiestobehealthy.B．TheElliQrobotispublishedattheDesignMuseuminLondon.C．ThescreenoftheElliQrobotcanberemovedifnecessary.D．TheElliQrobotiscreatedbySwissdesignerYvesBeharandIsrael-basedstart-upIntuitionRobotics.2、Theunderlinedword“alert”isclosestmmeaningto.A．declareB．announceC．remindD．say3、ElliQcanservethefollowingpurposesEXCEPT.A．whentheuser’sfriendupdateshismoments(朋友圈),itcanshowittotheuseronthescreen.B．itcanrecommendsomeactivitieseventheuserdoesn’task.C．itwillconstantlygivesuggestionsregardlessoftheuser’sindividualpreference.D．itcanhelpthosewithhearingdifficultiesbyofferingvisualclues.4、Inwhichcolumnwearemostlikelytofindthepassage?A．News&TechnologyB．PeopleC．HealthD．InternationalAffairs22．（8分）OnenightIreceivedaFacebookmessagefromLaura,aformerclassmate.“HeySteve,”shesaid,“Iknowyou’vealwaysbeenananimallover.I’vejusthadababyandIcan’tkeepmyminipig.”Beingfondofanimals,IknewIwantedthepig.Ijusthadtofigureouthowtomakeithappen.Ilivedinatwo-bedroomsingle-levelhouseinGeorgetwon,Ontario.It’stoughtobringapigbacktothehouseIsharewithtwodogs,twocats,andmylifelongpartner.ButIwasnotlettingthatpiggo.SoItoldLauraI’dtaketheanimal.WhenIgothomewiththepig,Ihidherinthebedroom,andbegantoprepareadinnerforAlisha—herfavouritebaconcheeseburgers.It’sbettertomakeherhappybeforeintroducingthenewmembertoher.WhenIledhertothebedroomandshowedherthesurprise,Alishastoodinthedoorwaylikeastatue.IttookherafewsecondstoknowwhatIhaddone.Shecomplainedaboutmyunreasonableaction.Sheinsistedtherewasnomoreroominthehouse.IknewIwaswrong,butIhopedIcouldsmooththingsover.Soonenough,thelovelypigdidthesmoothingforme.Neverhadwefeltsuchjoyasshebroughttous.Wegotheraname“Esther”.Esther’sarrivalchangedourlives.Afewweekslater,wedecidedtostopeatingbacon.Wefigureditwasourturntotrytochangetheworldforotheranimals.Afewmonthslater,wemovedtoafarmwherewecaredforabandonedanimals—sofar,sixrabbits,sixgoats,twosheep,onehorse,threecowsandthreechickens.1、Whodoestheunderlinedphrase“mylifelongpartner”inParagraph2referto?A．Laura. B．Steve. C．Alisha. D．Esther.2、WhydidtheauthorcookAlishaameal?A．Topleasehertoacceptthepig. B．Tomakeanapologytoher.C．TocelebrateEsther’sarrival. D．Toshowoffhiscookingskills.3、WhatwasAlisha’sreactionthemomentshesawEsther?A．Sheburstintotears. B．Sheshowedinterestinher.C．ShequarreledwithSteve. D．Shewasfrozenforawhile.4、Whatisthebesttitleforthetext?A．ASmallPigMakingaBigDifferenceB．AnAbandonedPigFindingaWarmHomeC．ALittlePigBringingHappinesstoaFamilyD．ALovelyPigRemovingaCouple’sDisagreement23．（8分）Overthecourseofhislongandamazingcareer,W.SomersetMaugham(1874-1965)achievedgreatsuccessasanovelistandaplaywright.Nothappywithjustbeingawriter,Maughamwasalsoaspy.Butthiswaslessofasuccessthanhiswriting.Dec15,2016marked51yearssincehisdeath,andMaugham’sworkshaveneverbeenoutofprint.OfHumanBondage(1915)washismasterpiece.Thetitlecomesfromthegreat17thcenturyDutchphilosopherBaruchSpinoza.Thephilosopherthoughtthathumanbeingswereslavestowhattheywantedandneeded.That’sexactlywhatPhilipCarey,theheroofthenovel,experiences.Careyisaslavetohisemotionalneeds.Hedoesn’tgetmuchlovewhenheisachild,sohelooksforlovelater.Afterlosingbothhisparentsearlyinhislife,Careyisraisedbyapaternalunclewhoisemotionallycold.Inhisadultlife,hegoesfromwomantowomanandjobtojob,ashefindsitastruggletofindeitherpersonalhappinessortherightjobforhistalents.Notwantingtobecomealawyer,heiseventuallytrainedandqualifiedasaphysician.Buttrueloveismuchhardertofind.Hefindsthatheattractswomenhehasnofeelingsforandfallsinlovewiththosewhohavenointerestinhimor,worse,trytotakeadvantageofhim.Heistornapartbythepainofhishelplessloveofawaitressandnotbeingabletoreturntheloveofayoungartist.AlthoughMaughamtriedtohideit,thebookisabouthisownlife.Carey’slovelesschildhoodandromantictroubleswereMaugham’sown.However,hemanagedtoturnthesepainfuldetailsintoastorythatwouldinterestreaderswhosharehischaracters’feeling.Maughamdoesnotjustwriteabouthislifeinthenovel.Hewritesaboutdeeplypersonalthingsinawaythatspeakstoeveryoneabouttheirwantsandneeds.1、InwhichfielddidMaughamachievegreatsuccess?A．Politics. B．Writing.C．Sport. D．Philosophy.2、WhatcanweinferfromParagraph2?A．Maugham’sworksmayneverappearinprint.B．Maugham’sworksbecomeabighitovernight.C．Maugham’sworksdon’ttopthebest-sellerlist.D．Maugham’sworksarestillpopularamongreaders.3、Thehero,Carey,inOfHumanBondage_________.A．isthemasterofhisownemotionsB．thinksit’smucheasiertofindtrueloveC．hasstrongemotionalneedsforlackofloveD．rescueshimselffrombeingaslavetohisneeds4、Whatisthearticlemainlyabout?A．Maugham’smasterpiece. B．Maugham’sbeliefs.C．Maugham’sloveforwriting. D．Maugham’spopularity.24．（8分）ThelastthingCaitlinHippwouldhaveexpectedasshepreparedtoturn28yearsoldwastobelivingathomewithherparents.Allshe’severwantedtodoistobecomeanelementaryschoolteacher.Andinthemeantime,she’sbeenworkingthroughherteachingcertificationsforfouryearsafterobtaininganeducationdegreefromBowlingGreenStateUniversityinOhio,US.Hipphasrackedup$100,000instudentloandebtandisn’tabletoearnenoughthroughworkingasapart-timeskatinginstructorandrestaurantservertoliveanywhereotherthanhome.ThePewResearchCenterrecentlyreportedthat2014wasamilestoneintheevolvinglivingarrangementsofyoungadultsintheUS.Forthefirsttimesince1880,adultsaged18to34becamemorelikelytobelivingwithaparentthantobelivingontheirown.Before2014,themostcommonlivingarrangementforyoungadultswastobelivingintheirownpropertyaspartofacouple.UBSFinancialServices,aSwissglobalfinancialservicescompany,releasedareportthatevensuggestsonereasonforthegrowingnumberofyoungadultsstilllivingathomecouldbethattheirfamilydoesn’twantthemtoleave.Thereportshowsthat74percentofmillennials(千禧一代)getsomekindoffinancialsupportfromtheirparentsaftercollege.Itfindsthatboomersandmillennialshaveredefinedthetiesthatbindparentsandchildren.“Millennialsseetheirparentsaspeers,friendsandmentors.Nearlythreequarterstalkedwiththeirparentsmorethanonceaweekduringcollege.Inreturn,theirparentshappilyprovidefinancialsupportwellintoadulthood,helpingfundeverythingforthem.”StuartHoffman,chiefeconomistforthePNCFinancialGroupintheUS,saidalthoughjobgrowthformillennialssince2014hasimproved,whichdoesn’tnecessarilymeanthatmillennialsarestartingtoflythenest.Hesaid,“There’snodoubtithasheldbackhouseholdformationandpurchasesonthingspeoplespendmoneyonrelatedtohouseholdformationandperhapsrelatedtochild-rearing,”Hoffmanexplained.“Buttheyareprobablytravelingmoreandeatingoutmoreiftheydon’thaveahouseexpenseormarriage.Idon’tknowifitrepresentsachangeinmoralvalues.Butit’smuchmorecommonforadultchildrentoliveintheirparent’shomesbecauseit’sbecomingpartoftheculture.”1、WhydoesCaitlinHipphavetoliveathomewithherparents?A．Becauseshecan’taffordtoliveonherown.B．Becauseshedoesn’twanttoliveanywhereotherthanhome.C．Becauseshewantstoobtainmoredegrees.D．Becauseshewantstobeanelementaryschoolteacher.2、Whatcanwelearnaboutyoungadultsaged18to34before2014?A．Theydidn’thavethefreedomtoarrangetheirliving.B．Theywouldratherlivewiththeirparentsthanlivebythemselves.C．Theystartedtoflythenestasmorejobswereprovided.D．Theypreferredtoliveawayfromtheirparents.3、WhatconclusioncanwedrawfromthereportreleasedbytheSwisscompany?A．Childrenlivingwithparentsisbecomingpartoftheculture.B．Themajorityofmillennialsrefusetogetfinancialhelpfromparents.C．Mostmillennialsarebuildingcloserrelationshipwiththeirparents.D．Youngpeopletendtoliveathometowardsthistrend?4、AccordingtoHoffman,whichofthefollowingistrue?A．Itisn’tnecessaryformillennialstoleavethenest.B．Theycanspendlessmoneyontheirdailylife.C．Moralvaluesarechanginggradually.D．Youngadultsarelivinginadifferentlifestyle.25．（10分）It’sofficial.Denmark—aswellasbeingtheworld’sbestcountrytoliveinforwomenwiththesecond-happiestpeopleandoneofthebesthealthcaresystemsinEurope—hasthemostcontentedbabies.Or,atleast,theoneswhocrytheleast.AccordingtoresearchpublishedintheJournalofPediatrics,Danish,GermanandJapanesebabiescrytheleast,whileBritish,CanadianandItalianbabiescrythemost.“I’mnotsurprised,”Danishparentingexpertandco-authorofTheDanishWayofParentingJessicaAlexandertellsme.“Thefirstyearofachild’slifeisconsideredsoimportantinDenmark.Danishparentsaremuchlessstressedbecausetheygetgoodmaternityandpaternityleave(孕产假).Theatmosphereismuchcalmerand,ifmothersaregettingmoretimeoff,thatgoeshandinhandwithlessstress,morecontact,moreroutinesandlesscrying.”Shepausesbeforethrowinginafinaltip:“Oh,andDanishbabiessleepoutdoorsalot.”InDenmark,awomanisgivenfourweekspregnancyleavefollowedby52weeksofpaidleavethatcanbesharedbetweenparents.AndAlexanderthinksthereisanotherimportantreasonwhyDanishbabiescryless:breastfeeding.“It’sjustthedonethinginDenmark,”shesaysofacountrythathastheworld’shighestbreastfeedingrates.“Inothercountries,therearecontinualdiscussionsaboutwhetheryoushouldorshouldn’tbreastfeed.InDenmark,breastfeedinghasnevergoneoutofstyle.Andeveryonedoesitforayear.”ForIbenSandahl,Alexander’sco-author,itcomesdowntotheDanishattitudetolifeingeneral.“Weareanhonestandpurepeople,”shetellsme.“Wearesurroundedbysocialsupportandarelesslikelytobecomeangry,sadorannoyedwhenourbabiesarecrying.Andwearegoodatembracing(拥抱)allkindsoffeelings,sowearen’tscared.Instead,wetrytoconnectwiththebabieswhentheycry.It’showbabiescommunicateandit’sabouttryingtounderstandit.”1、Whichofthefollowingcanmakeababycryless?A．Aneffectivehealthcaresystem.B．Morecompanyfromaparent.C．Anenergeticbusymother.D．Morechancestomeetfellowbabies.2、Itcanbelearnedfromthetextthat________.A．somethinginthemilkfrombreastfeedingcankeepbabieshappyB．Demarkissecondtononeinprotectingitsfemales’rightsC．Danishparents’attitudestoababy’sfirstyearvaryconsiderablyD．breastfeedingisacommonandacceptedpracticeinDenmark3、Whenbabiescry,Danishparentswillprobably________.A．trytofigureoutwhattheywantB．putthemoutdoorsforagoodsleepC．seeksocialsupportforguidanceD．waitamomentforthemtocalmdown第三部分语言知识运用（共两节）第一节（每小题1.5分，满分30分）阅读下面短文，从短文后各题所给的A、B、C和D四个选项中，选出可以填入空白处的最佳选项．26．（30分）Barefootanddirty，thegirljustsatandwatchedthepeoplegoby．Shenevertriedtospeak．Manypeoplepassed，butneverdidonepersonstop．ThenextdayIdecidedtogobacktothepark，curioustoseeifthelittlegirlwouldstillbethere．Rightintheveryspotasshewasyesterday，shesatwiththesaddestlookinhereyes．TodayIwastomakemyownmoveandwalkovertothelittlegirl．Asweallknow，aparkfullofstrangepeopleisnotaplaceforyoungchildrentoplayalone．AsIbeganwalkingtowardsher，Icouldseethebackofthelittlegirl’sdressindicatedadeformity（畸形）．Ismiledtoletherknowitwasokay，Iwastheretohelp，totalk．Isatdownbesideherandopenedwithasimple“Hello”．Ismiledandsheshylysmiledback．Wetalkeduntildarknessfellandtheparkwascompletelyempty．Iaskedthegirlwhyshewassosad．Thelittlegirllookedatmeandwithasadfacesaid，“BecauseI’mdifferent．”Iimmediatelysaid“Thatyouare!”andsmiled．Thelittlegirlactedevensadder．Shesaid，“Iknow．”Shelookedatmeandsmiled．Slowlyshestoodtoherfeet，andsaid，“Really?”“Yes，dear，you’relikealittleguardianangelsenttowatchoverallthosepeoplewalkingby．”Shenoddedherhead“yes”andsmiled，andwiththatshespreadherwingsandsaidwithatwinkleinhereye，“Iam．I’myourguardianangel．”Iwasspeechless，sureIwasseeingthings．Shesaid，“Foronceyouthoughtofsomeoneotherthanyourself，myjobhereisdone．”ImmediatelyIstoodtomyfeetandsaid，“Wait，sowhydidnoonestoptohelpanangel!?”Shelookedatmeandsmiled，“You’retheonlyonewhocouldseeme，andyoubelieveitinyourheart．”…andshewasgone．Andwiththatmylifechangeddramatically．So，whenyouthink1，remember，yourangelisalwayswatchingoveryou．Mineis!1、Peoplejustpassedbythegirlbecause_______．A．theypretendednottoseeherB．shepretendedtobepoorC．theyneverthoughtofhelpingherD．theyknewtheauthorwouldhelpher2、Whichwordcan’tbeusedtodescribetheauthor?A．Considerate． B．Patient． C．Helpful． D．Powerful．3、Whywastheauthorspeechless?A．Hewasshocked． B．Hedidn’tmanagetohelpthegirl．C．Hethoughthewascheated． D．Hewasindespair．4、WhichofthefollowingstatementsisTRUE?A．Theauthorsmiledbecausehesawthegirlwasshy．B．Theauthorhadknownthatthegirlwasarealangel．C．Theauthorbelievedthatanangelwasalwayswatchinghim．D．Theauthordecidedtogobacktotheparkbecausehewassurethatthelittlegirlwouldbethere．5、Whatdoes“You’reallyouhave”mean?A．Youareugly． B．Youarealone．C．Youarestrong． D．Youarerich．第二节（每小题1.5分，满分15分）阅读下面材料，在空白处填入1个适当的单词或括号内单词的正确形式。27．（15分）语法填空Christmasisthemostimportantfestivalinthewesternworld.It1．(fall)onDecember25th.WhenmymotherandIstayedinAmerica,we2．(invite)byoneofmymother’sfriendstoobserveChristmaswithanAmericanfamily.Weboughtsome3．(present)forourAmericanfriendsonourway4．theirhouse.Theyhadprepareddifferentkindsofgiftsfortheirfamilyandguestswhenwegottotheirhouse,suchasChristmascandles,cakes,cards,littletoys,biscuitsandsoon.AChristmastreewasplacedin5．cornerofthebrillianthall.6．beautifulitwas!Wewereimpressedbythese.Wehadabigmeal.Afterdinner,theytoldussomeinterestingstoriesaboutChristmas.WelearnedthatChristmashadsomethingtodowithJesus.Wewenttobedatmidnight.AlthoughweknewtheSantaClauswasnottrue,wewerestill7．(wait)fortheSantaClaus8．(bring)uspresents.Andwereceivedmanybeautifulpresentsthenextmorning.ThisChristmaswasreally9．(forgettable).Notonly10．(do)Ihaveagoodtime,butalsoIknewsomethingaboutforeignculture.第四部分写作（共两节）第一节短文改错（满分10分）28．（10分）假定英语课上老师要求同桌之间交换修改作文，请你修改你同桌写的以下作文。文中共有10处语言错误，每句中最多有两处。每处错误仅涉及一个单词的增加、删除或修改。增加：在缺词处加一个漏字符号（∧），并在其下面写出该加的词。删除：把多余的词用斜线（\）划掉。修改：在错的词下划一横线，并在该词下面写出修改后的词。注意：1、每处错误及其修改均仅限一词；2、只允许修改10处，多者（从第11处起）不计分。IwasimmediatelyattractbySpanishforthefirsttimeIstartedlearningit、Itwasnotonlybecauseofthebeautyofalanguage,butalsobecauseofmySpanishteacherJoseMaria、Josewasa30-year-oldSpanishwiththicklybeard、Atfirst,IwasalwayswithaheavyheartwhenstudyingSpanish、IfounddifficulttounderstandwhatJosewastalkingaboutinclass、However,Ididn’tgiveitup、EverydayIspentmanytimeinlistening、Astimegoesby,Iwasfinallyabletokeeppacewithher、Regainconfidence,IcametoenjoyeachSpanishclasses、第二节书面表达（满分25分）29．（25分）假定你是李华。你市博物院将举行中国传统民俗文化展，请给你校交换生Peter写一封电子邮件。要点如下：1.展览时间；2.展览内容；3.邀请参加。注意：1.词数100左右；2.可以适当增加细节，以使行文连贯。____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

参考答案第一部分（共20小题，每小题1.5分，满分30分）1、A2、D3、B4、A5、B6、C7、C8、B9、C10、B11、A12、B13、B14、A15、B16、D17、B18、A19、D20、A第二部分阅读理解（满分40分）阅读下列短文，从每题所给的A、B、C、D四个选项中，选出最佳选项。21、1、B2、C3、C4、A22、1、C2、A3、D4、A23、1、B2、D3、C4、A24、1、A2、D3、C4、D25、Weareoftenunabletopaycloseattentiontowhatwehear.Justlikewhenwetrytograbasponge(海绵)thatisfullofwater,somewaterwillrunoutofit.Butsometimeswetrytoremembereverythingaspeakersaysandtrytotakeinaspeaker’severywordasifeverywordwasequallyimportant.Wetrytorememberallthenames,allthedates,andalltheplaces.Intheprocessweoftenmissthespeaker’smainpoint.ErikWaldmanworksatadesigncompany.Knowinghehadneverbeengoodatbudgetinghismoney,hewasdeterminedtobeginthinkingabouthiseconomicfuture.Whenhisemployercirculatedane-mailannouncingafinancialplanningworkshop(研讨会),Eriksigneduprightaway.Thefirstsessionwasaboutretirementplanning.SimoneFisher,thelecturer,explainedthat7of10Americansbetweentheagesof22and35donothavearegularsavingsplan.ErikwrotedowneverynumberSimonementioned."Ifyouwanttohavearetirementincomeequalto75percentofyourcurrentsalary,"Simonecontinued,"youwillneedtosaveatleastof6percentofyourpresentearnings,takingintoa