雅思写作历年大作文真题：In many countries, students cannot manage their money after they leave the high school. What are the reasons for this? What things should be done to help them with the understanding of managing their personal finance?

struggle with managing their money努力管理他们的钱the lack of financial education in schools学校缺乏金融教育do not have a comprehensive curriculum没有一个全面的课程teaches students how to manage their personal finances教学生如何管理他们的个人财务including budgeting, saving, investing, and debt management包括预算、储蓄、投资和债务管理

the lack of financial support and guidance from their parents or other adults缺乏来自父母或其他成年人的经济支持和指导may not have the necessary knowledge, experience, or resources可能没有必要的知识、经验或资源navigate complex financial situations应对复杂的财务状况such as student loans, credit cards, or taxes比如学生贷款、信用卡或税收

To help students understand and manage their personal finances, several things can be done:financial basics财务基础such as budgeting, saving, and investing比如预算、储蓄和投资be taught to students from an early age从小就教给学生

encourage and guide students to take responsibility for their finances鼓励和引导学生为自己的财务负责help students understand the importance of financial planning and saving帮助学生了解财务规划和储蓄的重要性provide them with the necessary tools to manage their money为他们提供必要的工具来管理他们的钱such as bank accounts, credit cards, or investment accounts比如银行账户、信用卡或投资账户

offer resources and tools to help young adults manage their money提供资源和工具，帮助年轻人管理他们的钱provide online tutorials, financial calculators, or budgeting apps提供在线教程、财务计算器或预算应用程序help students track their expenses and savings帮助学生记录他们的开支和储蓄

is crucial for their long-term financial success对他们的长期财务成功至关重要provide them with the necessary tools and resources为他们提供必要的工具和资源help young adults establish healthy financial habits帮助年轻人建立健康的理财习惯achieve financial stability实现金融稳定