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1·To build up my own finances, I need around 20% more in personal savings and 50% less debt.

为了积累自己的财力，我需要增加20%左右的个人储蓄，并减少50%的债务。

2·Additional loans and gifts from relatives, forthcoming because of group obligation rather than narrow investment calculation, have supplemented personal savings.

来自亲戚的额外贷款和礼物是出于集体义务，而不是狭隘的投资计算，补充了个人储蓄。

3·Personal savings have been accumulated, often through frugal living habits that require sacrifices by the entire family and are thus a product of long-term family financial behavior.

个人储蓄通常是通过节俭的生活习惯积累起来的，这需要整个家庭做出牺牲，因此是长期家庭财务行为的产物。

4·Some additional personal savings can only help that effort.

额外的个人存款只会有助于这一努力。

5·Personal savings is the amount income exceeds consumption.

个人储蓄是其收入超过消费的量。

6·The personal savings rate has been rising over the past year.

个人储蓄率自从去年以来已经有所上升。

7·We need personal savings accounts, but we [have] to fix this system.

我们需要个人储蓄帐户，但我们[必须]修补这个系统。

8·He said Americans were already moving to boost their personal savings rates.

他说，美国人正在加强他们的个人储蓄量。

9·The personal savings percentage in the US is a measly 4.9% of disposable income.

在美国，个人存款占可支配收入的比重仅有4.9%。

10·Prudential identifies the final pillar of successful retirement as personal savings.

保诚集团将最后一个成功退休的支柱划分为个人储蓄。