外刊精讲 | 美国有40%的年轻人在啃老！养大一个孩子超30万美元，可能还要养一辈子

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标题：Boomers Are Sacrificing Retirement Savings to Support Their Grandkids

正文：The Bank of Mom and Dad is staying open for the grandkids as the cost of raising a child in the US tops $300,000 for the first time this year — and that doesn’t include college tuition. Nearly two in five parents of young children expect to receive financial help — or ask for it — from their own parents or grandparents in the next year. Among them, 47% said they will receive cash for day-to-day basics from relatives, according to the BMO Real Financial Progress Index survey. A quarter said they expect relatives to contribute to their children’s 529 or other savings accounts.

知识点：【the Bank of Mom and Dad】 /ðə bæŋk əv mɑːm ənd dæd/ 固定短语

英文释义：the Bank of Mom and Dad means parents treated as a source of money that never has to be repaid

本义为"爸妈银行"（把父母比作一家银行），代际财务语境核心义为"无息、无期限、不催还的父母资助"（本文特指：文章开篇的题眼——本该"打烊"的父母财源，因孙辈开销而继续营业）

核心搭配：rely on the Bank of Mom and Dad、the Bank of Mom and Dad is open/closed、tap the Bank of Mom and Dad、a loan from the Bank of Mom and Dad、first-time buyers and the Bank of Mom and Dad

・Roughly half of first-time buyers in the city borrowed from the Bank of Mom and Dad.这座城市里大约一半的首次购房者，都向"爸妈银行"借了钱。

・Economists joke that the Bank of Mom and Dad is now a major mortgage lender.经济学家开玩笑说，"爸妈银行"如今已是一家主要的房贷机构。

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