Financial Literacy

好的，这是将这个数学问题翻译成中文： 贾斯敏想买一辆新自行车，这辆自行车售价480美元。她决定将每月零用钱的20%存起来以达到她的目标。她的每月零用钱是120美元。 贾斯敏每月能存多少钱？ 她需要多少个月才能存够钱买这辆自行车？ 如果她想在3个月内买到这辆自行车，她需要将每月零用钱的百分之多少存起来？

## 雅文想买一辆新自行车 **Context/Scenario (情境):** In Chinese culture, children are often encouraged to be financially responsible from a young age, and saving money for desired items is a common practice. Family harmony and respecting elders are also important, so a child might save for something that also benefits the family or shows respect. Saving for a bike is a very relatable scenario for children, symbolizing independence and fun. **Culturally Relevant Example (文化相关例子):** 雅文 (Yǎwén) is a bright and sensible girl. This summer, her grandparents live a bit far, and she wants to visit them more often to help out with small chores and keep them company. She dreams of having her own bike so she can cycle to their house, which is much quicker and more enjoyable than taking the bus. Her parents encourage her to be thrifty and set goals. They agree that if she saves up, they will help her maintain the bike and even go on family bike rides together! **The Math Problem in Chinese (数学问题):** 雅文是一个懂事的好孩子，她想买一辆新自行车，这样就可以自己骑车去看望爷爷奶奶了！这辆自行车要 **480元**。她决定每个月从她的零花钱里拿出 **20%** 来存起来。她每个月的零花钱是 **120元**。 1. 雅文每个月能存多少钱？ 2. 她需要存多少个月才能买到这辆自行车？ 3. 如果她想在3个月内买到自行车，她每个月需要存零花钱的百分之多少？ --- **Explanation of Cultural Relevance:** * **"懂事的好孩子" (Sensible/Well-behaved Good Child):** This phrase is highly positive and commonly used by parents and elders to praise children who show maturity and consideration. It immediately frames Jasmine (雅文) in a positive light within a Chinese cultural context. * **"去看望爷爷奶奶" (Visit Grandparents):** Filial piety (孝顺 - xiàoshùn) is a cornerstone of Chinese culture. Connecting the bike purchase to visiting grandparents adds a layer of virtuous motivation, making her goal more meaningful than just personal desire. It aligns with the idea of children contributing to family well-being. * **"帮助做些小家务，陪伴他们" (Help with small chores, keep them company):** This reinforces the idea of contributing to the family and showing care for elders, which are highly valued. * **"父母鼓励她节俭，设定目标" (Parents encourage her to be thrifty and set goals):** This reflects the common practice in Chinese families of teaching children financial discipline and delayed gratification. * **"如果她存够钱，他们会帮助她保养自行车，甚至一起骑行！" (If she saves enough, they will help her maintain the bike, and even go on family bike rides together!):** This highlights family involvement and support, which is very typical. It's not just about her buying the bike, but the family sharing in the experience. * **"元 (yuán)" instead of "$":** Using the Chinese currency unit makes it authentic. This framing makes the math problem more engaging and relatable for a Chinese audience, tapping into shared cultural values and experiences.

好的，我们来一步一步地解决这个数学问题。 **第一部分：贾斯敏每个月存多少钱？ (How much money does Jasmine save each month?)** * **理解问题 (Understand the problem):** 贾斯敏的月零用钱是 120 美元，她决定把其中 20% 存起来。我们需要计算 120 美元的 20% 是多少。 * **数学概念 (Mathematical concept):** 计算一个数的百分比，就是用这个数乘以百分比（百分比要转换成小数）。 * **计算步骤 (Calculation steps):** 1. 将百分比转换为小数：20% = 20 ÷ 100 = 0.20 2. 用月零用钱乘以这个小数：120 美元 × 0.20 * **答案 (Answer):** 120 × 0.20 = 24 美元。 * **中文提示 (Helpful hint in Chinese):** “百分之二十” 就是把总数分成一百份，取其中的二十份。你可以把 20% 写成 0.20 来进行乘法计算。 **第二部分：她需要存多少个月才能买到自行车？ (How many months will it take for her to save enough to buy the bike?)** * **理解问题 (Understand the problem):** 自行车要 480 美元，她每个月存 24 美元。我们需要知道 480 美元里有多少个 24 美元。 * **数学概念 (Mathematical concept):** 这是除法问题，用总金额除以每月存款金额。 * **计算步骤 (Calculation steps):** 1. 自行车的总价 ÷ 每月存款金额 2. 480 美元 ÷ 24 美元/月 * **答案 (Answer):** 480 ÷ 24 = 20 个月。 * **中文提示 (Helpful hint in Chinese):** 想象一下，你每个月都把 24 美元放进一个存钱罐，直到存够 480 美元。这就是在问 480 里有多少个 24。 **第三部分：如果她想在 3 个月内买到自行车，她每月需要存她零用钱的百分之多少？ (If she wants to buy the bike in 3 months, what percentage of her monthly allowance would she need to save?)** * **理解问题 (Understand the problem):** 她要在 3 个月内存够 480 美元。我们需要先计算她每个月需要存多少钱，然后再计算这个金额占她月零用钱（120 美元）的百分比。 * **数学概念 (Mathematical concept):** 1. 计算每月所需存款：总金额 ÷ 月数 2. 计算百分比：每月所需存款 ÷ 月零用钱 × 100% * **计算步骤 (Calculation steps):** 1. **计算每月需要存多少钱 (Calculate how much she needs to save each month):** * 480 美元 ÷ 3 个月 = 160 美元/月 2. **计算这个金额占月零用钱的百分比 (Calculate the percentage of her monthly allowance this amount represents):** * (160 美元 ÷ 120 美元) × 100% * **答案 (Answer):** 1. 每月需要存 160 美元。 2. (160 ÷ 120) × 100% ≈ 1.3333 × 100% = 133.33% (或 133又1/3%)。 * **中文提示 (Helpful hint in Chinese):** 她每个月需要存 160 美元，但她的月零用钱只有 120 美元。这意味着她需要存的钱比她的零用钱还要多！所以这个百分比会超过 100%。这可能意味着她需要想办法赚更多的钱，或者不能只靠零用钱来存。 **总结 (Summary in Chinese):** 1. **她每个月存多少钱？** * 月零用钱：120 美元 * 存款比例：20% * 每月存款：120 × 20% = 120 × 0.20 = **24 美元** 2. **她需要存多少个月才能买到自行车？** * 自行车价格：480 美元 * 每月存款：24 美元 * 所需月数：480 ÷ 24 = **20 个月** 3. **如果她想在 3 个月内买到自行车，她每月需要存她零用钱的百分之多少？** * 自行车价格：480 美元 * 目标月数：3 个月 * 每月需要存：480 ÷ 3 = 160 美元 * 月零用钱：120 美元 * 所需存款占月零用钱的百分比：(160 ÷ 120) × 100% ≈ **133.33%** (这意味着她需要存的钱比她一个月的零用钱还要多！)