Hi everybody.In America, we believe that a lifetime ofhard work and responsibility should be rewarded witha shot at a secure, dignified retirement.It's one ofthe critical components of middle-class life-and thisweek, I took new steps to protect it.
大家好！在美国，我们都认为一个人经历一辈子的辛勤付出和担当之后，应该能够体面地退休、安享晚年。这一点对于中产阶级的生活而言至关重要，本周，我们采取了新的措施来保障人民利益。
Six years after the crisis that shook a lot of people'sfaith in a secure retirement, our economy is steadilygrowing.Last year was the best year for job growth since the 1990s.All told, over the past fiveyears, the private sector has added nearly 12 million new jobs.And since I took office, the stockmarket has more than doubled, replenishing the 401(k)s of millions of families.
金融危机过去6年，动摇了人们对能否安享退休生活的信念，但现在我们的经济正在稳步增长。去年是自上世纪xx年代以来就业增长最好的一年。总体而言，过去的5年里，私营部门一共创造了将近1200万个就业岗位。自我主政以来，股票市场翻了两番多，数百万家庭的养老金账户的资金再次充实起来。
But while we've come a long way, we've got more work to do to make sure that our recoveryreaches more Americans, not just those at the top.That's what middle-class economics is allabout-the idea that this country does best when everyone gets their fair shot, everybody doestheir fair share, and everyone plays by the same set of rules.
但尽管我们取得了长足的进步，为了让经济复苏惠及更多的美国人民而不仅仅是社会的顶层人士，依然还有大量的事情等着我们去做。这正是中产阶级经济政策需要解决的问题，这一理念就是，当每个人都享有公平的机会、承担公平的责任、遵守共同的规则时，国家才会发展的更好。
That last part-making sure everyone plays by the same set of rules-is why we passed historicWall Street Reform and a Credit Card Bill of Rights. It's why we created a new consumerwatchdog agency.And it's why we're taking new action to protect hardworking families'retirement security. If you're working hard and putting away money, you should have thepeace of mind that the financial advice you're getting is sound and that your investments areprotected. 最后一条，让每个人都遵守共同的规则，正是我们历史性地通过《华尔街改革和信用卡权益法案》的原因所在。正因如此，我们成立了全新的消费者监管保护机构。正因如此，我们采取新的措施来保护辛勤付出的工薪家庭的退休保障。如果你一直努力工作，按时存钱，你所得到的理财建议就应该是可靠的，让人心安的，你的投资也应该受到保护。
But right now, there are no rules of the road.Many financial advisers put their clients' interestfirst-but some financial advisers get backdoor payments and hidden fees in exchange forsteering people into bad investments.All told, bad advice that results from these conflicts ofinterest costs middle-class and working families about $17 billion every year.
但现在，在这些方面没有规则。尽管大多数理财规划师将客户的利益放在首位，但依然有部分咨询人员利用后门和漏洞收钱，让客户的投资受损。总之，这些源自于利益冲突的不良的投资建议让中产家庭和工薪家庭每年损失170亿美元。
This week, I called on the Department of Labor to change that-to update the rules and requirethat retirement advisers put the best interests of their clients above their own financialinterests.Middle-class families cannot afford to lose their hard earned savings after a lifetime ofwork.They deserve to be treated with fairness and respect.And that's what this rule would do.
本周，我指示劳工部改变这一现状，修订规则，要求退休金规划师将客户的利益而不是他们所在金融机构的利益放在最高位置。失去一辈子辛勤付出的积蓄，这是中产阶级不可承受之重。他们理应体面地退休，得到公平的对待。这些就是这一规则需要做的事情。
While many financial advisers support these basic safeguards to prevent abuse, I know somespecial interests will fight this with everything they've got.But while we welcome differentperspectives and ideas on how to move forward, what I won't accept is the notion that there'snothing we can do to make sure that hard-working, responsible Americans who scrimp and savecan retire with security and dignity.
尽管大多理财规划师都支持这些基本的保障措施，防止权力滥用，但我知道，一些特殊利益集团还是会想尽一切办法来阻挠的。尽管我们欢迎对前进道路不同的看法和建议，但我绝不能接受的是，对确保美国人民体面退休、安享晚年无动于衷，他们辛勤付出、敢于担当、节衣缩食、集腋成裘，他们应该得到保障，这是原则。
We're going to keep pushing for this rule, because it's the right thing to do for our workers andfor our country.The strength of our economy rests on whether hard-working families can notonly share in America's success, but can also contribute to America's success.And that's whatI will never stop fighting for-an economy where everyone who works hard has the chance to getahead.
我们将持续推进这一政策，因为这是对劳动者和国家都有利的事情。我们国家经济发展的动力，不仅依赖于辛勤付出的家庭能否享受美国的发展成果，更依赖于人民能否为美国的成功做出自己的贡献。这是我将继续为之奋斗的目标，建设一个让每个辛勤付出的人都有机会获得成功的经济体。
Thanks, and have a great weekend.
Hi, everybody.
大家好！
This week, in my State of the Union Address, I talkedabout what we can do to make sure middle-classeconomics helps more Americans get ahead in thenew economy.
本周，在我的国情咨文演讲中，我谈论了为保证中产阶级经济发展方式帮助更多美国人民在新经济环境下取得进步，我们所应该做的事情。
See, after some tough years, and thanks to sometough decisions we made, our economy is creatingjobs at the fastest pace since 1999.
众所周知，在经历多年的困难之后，经过我们做出的众多艰难抉择，我国的就业增长速度达到自19xx年以来的最快水平。
Our deficits are shrinking.
财政赤字在减少。
Our energy production is booming.
能源产业欣欣向荣。
Our troops are coming home.
部队士兵陆续回家。
Thanks to the hard work and resilience of Americans like you, we've risen from recession freerto write our own future than any other nation on Earth. 谢谢所有与大家一样辛勤工作、坚强不屈的美国人民，正因为有你们，我们才能从经济衰退中复苏，比世界上其它国家更自由地描绘我们的未来。
Now we have to choose what we want that future to look like.
现在，我们需要选择我们需要什么样的未来。
Will we accept an economy where only a few of us do spectacularly well? 我们是接受只有极少数人极为成功的经济体呢？
Or will we commit ourselves to an economy that generates rising incomes and rising chances foreveryone who makes the effort?
还是致力于建设一个为每个辛勤付出的人提供工资不断增长、就业机会不断增多的经济体呢？
I believe the choice is clear.
我相信选择是明确的。
Today, thanks to a growing economy, the recovery is touching more and more lives.
今天，由于经济的不断增长，复苏的春风吹进了越来越多人生活中。
Wages are finally starting to rise again.
工资终于开始上涨。
Let's keep that going-let's do more to restore the link between hard work and growingopportunity for every American.
我们要继续努力，保持干劲，为所有人重建辛勤劳动和不断增加的机遇之间的纽带。
That's what middle-class economics is-the idea that this country does best when everyone getstheir fair shot, everyone does their fair share, and everyone plays by the same set of rules.
中产阶级经济模式就是这样的。这一理念就是当所有人得到公平的机会，所有人公平付出，所有人遵从同样的规则的时候，国家也就发展的最好。
Middle-class economics means helping workers feel more secure in a world of constant change-making it easier to afford childcare,college, paid leave, health care, a home, and retirement.
中产阶级经济模式意味着要帮助员工在持续变化的经济环境中找到安全感，在儿童保育、上大学、带薪休假、医疗保险、买房子、养老等问题上负担小一点。
Middle-class economics means doing more to help Americans upgrade their skills throughopportunities like apprenticeships and two years of free community college, so we can keepearning higher wages down the road.
中产阶级经济模式意味着要更多帮助美国人民提升工作技能，通过提供实习机会和2年免费的社区大学教育，让我们持续保持挣得更高工资的能力。
Middle-class economics means building the most competitive economy in the world, by buildingthe best infrastructure, opening new markets so we can sell our products around the world,and investing in research-so that businesses keep creating good jobs right here.
中产阶级经济模式意味着打造最具竞争力的经济发展环境，通过建设最好的基础设施，开发新的市场，让我们可以将产品销售到世界各地，在科研上进行投资，让企业继续在国内提供良好的工作岗位。
And we can afford to do these things by closing loopholes in our tax code that stack the decksfor special interests and the superrich, and against responsible companies and the middle class.