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So what should you do? We'll assume that you have sorted out the basics -- like mortgages, pensions, insurance and access to sufficient cash reserves

sort out v. 1. to find an answer to a problem or mystery 弄清楚,搞明白

  • Investigators are still trying to sort out why the accident happened.
  • Before starting a business, you must have sorted out the basics of financing and legal structure. 在创业之前,你必须理清融资和法律结构的基本事项。
  • Once we have sorted out the basics of the schedule, we can move on to the details. 一旦我们把日程的基本事项理清了,我们就可以继续讨论细节了。
  • It took a few days for the new employee to get sorted out the basics of the company's internal system. 这位新员工花了好几天才把公司内部系统的基本事项弄清楚。

sort out v. 2. to arrange or organize sth. that is mixed up or untidy, so that it is ready to be used 将…分类整理好

  • We need to sort out our camping gear before we go away.

sort out v. 3. to separate one type of thing from another 从…中挑出来

basics n. [pl.] the most important and necessary facts about sth., from which other possibilities and ideas may develop 基础知识, 基本原理 , 基本原则

  • the basics of computer programming
  • This range of books for young children covers basics like the alphabet and numbers
  • To learn a new language, you must first master the basics of grammar. 学习一门新语言,你必须先掌握语法的基本要点。
fundamentals 根本;基本原则
(强调支撑整个体系的“根基”,更正式)
  • Let us get down to fundamentals and agree that the young are after all human beings ― people just like their elders.
  • Understanding the fundamentals of physics is essential for any engineer. 对于任何工程师来说,理解物理学的基本原理都是必不可少的。
rudiments 入门;初步;萌芽
(指学科最原始、最简单的形态或初级阶段)
  • master the rudiments of economics
  • He only had time to learn the rudiments of piano playing before the concert. 在音乐会之前,他只来得及学习钢琴弹奏的入门基础。
first principles 第一性原理;基本推论
(强调从最底层的逻辑出发,不带假设地思考)
  • Discussing all these details will get us nowhere; we must get back to first principles.
  • Elon Musk often advocates for solving problems by thinking from first principles. 埃隆·马斯克经常提倡从第一性原理出发思考来解决问题。

access n. 1.(使用某物或接近某人的)机会或权利 (have access to …)

  • Students must have access to a good library.
  • Only high officials have access to the president.

access n. 2.(接近或进入某地的)方法,通道 (access to …)

  • The only access to the farmhouse is across the fields.
  • Students are given access to the university library resources. 学生被赋予获得大学图书馆资源的途径。

reserve n. [C usu. pl.] a supply of sth. kept to be used if it is needed 储备

  • $10 million in cash reserves
  • dwindling oil reserves
  • It is prudent to maintain sufficient cash reserves for emergencies. 保持足够的现金储备以应对紧急情况是谨慎的做法。
have great reserves of capital 拥有雄厚的资本储备(指企业或银行拥有充足的现金或可动用资产) To survive the economic downturn, the company relied on its great reserves of capital. 为了度过经济低迷期,公司依靠其雄厚的资本储备。
have great reserves of energy 精力充沛;拥有巨大的能量储备(既可以指人的体力,也可以指国家的能源) Despite her age, the marathon runner seemed to have great reserves of energy. 尽管年龄不小了,这位马拉松选手似乎仍有充沛的精力。
foreign exchange reserves 外汇储备(国家层面的金融术语) The central bank increased its foreign exchange reserves to stabilize the national currency. 中央银行增加了外汇储备以稳定本国货币。
oil / gas reserves 石油/天然气储量(指自然资源的蕴藏量) The country is known for having some of the world's largest oil reserves. 该国以拥有世界上一些最大的石油储量而闻名。

You should then establish your own individual aims.

establish one’s own aims 确立某人的目标

  • One should establish his own aims in early years if he means to make achievements in his life. 
  • The company decided to establish clear aims for the next fiscal year. 公司决定为下一个财政年度确立明确的目标。
  • Before starting any project, it is crucial to first establish your aims. 在开始任何项目之前,首先确立你的目标至关重要。
  • She took a moment to reflect and establish her personal aims for the coming decade. 她花了一些时间反思并确立了她未来十年的个人目标。

individual aims 个人目标

  • The career coach helped the client define his individual aims and aspirations. 职业教练帮助客户确定他的个人目标和抱负。
  • While working as a team, members should not forget their individual aims. 在团队合作的同时,成员不应忘记他们的个人目标。
  • Setting realistic individual aims is the first step toward self-improvement. 设定切合实际的个人目标是自我提升的第一步。
set goals 设定目标 It is important to set goals that are both challenging and achievable. 设定既有挑战性又可实现的目标是很重要的。
define objectives 界定目标 The project manager asked the team to clearly define objectives before starting the work. 项目经理要求团队在开始工作前明确界定目标。

These are partly a matter of personal circumstances, partly a matter of psychology.

partly a matter of 部分是...的问题

  • His success is partly a matter of luck and partly a matter of hard work. 他的成功部分是运气的问题,部分是努力工作的问题。
  • The complexity of the solution is partly a matter of technical constraints and partly a matter of budget limitations. 解决方案的复杂性部分是技术限制的问题,部分是预算限制的问题。
  • The public's perception of the issue is partly a matter of media representation and partly a matter of personal experience. 公众对这个问题的看法部分是媒体呈现的问题,部分是个人经验的问题。
partly 部分地;不完全地
(最常用,侧重于原因或组成部分)
in part 在某种程度上;部分地
(比 partly 更正式,常用于句首或句末)
to some degree / extent 在某种程度上
(强调程度,而不是具体的组成部分)

a / the matter / question of … …的事儿/问题