A:I understand, Mr. Share. 我明白, 舒亚先生 But you should also understand that your savings may not be enough to sustain your family long enough. 但你亦明白你的积蓄未必足以维持你家庭太长时间. Since your kid is only five years old, 因你孩子才五岁, it'll be another thirteen years before he can take care of himself. 到他会照顾自己还有十三年之久. That means you need about 500,000 dollars for his living and education. 即是说你需要大约五十万给他生活及教育用途. S:Well, I have well over that amount. 我的储蓄已经远远超过这个数目. A:But don't forget your mortgage liability is about 2,000,000 dollars. 但别忘记你有约二百万的按揭责任. On top of that there are other liabilities such as a car loan and education fund for your kid. 除此之外还有汽车贷款及儿童的教育基金. S:Let me think about it. 让我考虑一下.