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There are other steps we can take to help families make ends meet, and few are more effective at reducing inequality and helping families pull themselves up through hard work than the earned income tax credit. Right now, it helps about half of all parents at some point. But I agree with Republicans like Sen. Rubio that it doesn't do enough for single workers who don't have kids. So let's work together to strengthen the credit, reward work, and help more Americans get ahead.

我們也可以采取其他措施實現各個家庭收支相抵。在減少不平等現象、幫助家庭改善現狀方面，減免所得稅額似乎更能達到該目的。現在它已在一定程度上幫助了大約半數的家庭。不過，我也同意共和黨參議員魯比奧先生的看法，這對尚無孩子的單身工人來說還遠遠不夠。那就讓我們一同協作，加強稅收減免，獎勵工作，讓更多美國人實現富裕。

Let's do more to help Americans save for retirement. Today, most workers don't have a pension. A Social Security check often isn't enough on its own. And while the stock market has doubled over the last five years, that doesn't help folks who don't have 401ks. That's why, tomorrow, I will direct the Treasury to create a new way for working Americans to start their own retirement savings: MyRA. It's a new savings bond that encourages folks to build a nest egg. MyRA guarantees a decent return with no risk of losing what you put in. And if this Congress wants to help, work with me to fix an upside-down tax code that gives big tax breaks to help the wealthy save, but does little to nothing for middle-class Americans. Offer every American access to an automatic IRA on the job, so they can save at work just like everyone in this chamber can. And since the most important investment many families make is their home, send me legislation that protects taxpayers from footing the bill for a housing crisis ever again, and keeps the dream of homeownership alive for future generations of Americans.

讓我們一起幫助民眾為退休儲蓄。如今大多數員工都沒有退休金。單靠一張社會保險金的支票是不夠的。雖然過去五年里股票市場翻了一番，但這并沒能幫到那些未加入401k退休計劃的人。因此明天我會指示財政部創造一種新方式，確保工作人群可以開始為退休儲蓄，它就是“我的退休賬戶（MyRA）”——一種鼓勵人們創建新賬戶的新型儲蓄債券，可確保人們存錢后無任何賠錢的風險，未來也會有一筆可觀的收入。如果這一屆國會想出一份力，那就和我一起修復原先那個糟糕的免稅代碼——它提供的稅務減免有助于富人儲蓄，對中產階級的民眾卻無多大幫助。讓每個工作的美國人都能自動擁有“個人退休金賬戶（IRA）”，這樣他們就可以跟在場的各位一樣為退休儲蓄。由于很多家庭進行的最重要的投資就是他們的家，因此我們要通過立法，確保納稅人不再為住房危機埋單，讓美國未來的世世代代保持著擁有住房的夢想。

One last point on financial security. For decades, few things exposed hard-working families to economic hardship more than a broken health care system. And in case you haven't heard, we're in the process of fixing that.

關于財政保障我再提最后一點。數十年來，沒有什么會比一個失敗的醫保體制更能讓勤勞努力的家庭陷入經濟困難的境地。如果你們還不清楚情況的話，那么我告訴你們，我們正在修復這個體制。

A pre-existing condition used to mean that someone like Amanda Shelley, a physician assistant and single mom from Arizona, couldn't get health insurance. But on January 1st, she got covered. On January 3rd, she felt a sharp pain. On January 6th, she had emergency surgery. Just one week earlier, Amanda said, that surgery would've meant bankruptcy.

“已有疾病情況”指的就是像阿曼達?謝莉這一類人，她是亞利桑那州的一名醫師助理，也是一位單親媽媽，原先沒有健康保險。但是1月1日，她有了醫保。1月3日，她感覺到一陣疼痛。1月6日，她接受了緊急手術。一周前，她說如果沒有保險，那次手術就會意味著破產。

That's what health insurance reform is all about - the peace of mind that if misfortune strikes, you don't have to lose everything.

所以這就是為什么要進行醫保改革，這樣不幸降臨時你就能平常心面對，你也不用失去一切。

Already, because of the Affordable Care Act, more than 3 million Americans under age 26 have gained coverage under their parents' plans.

現在，由于平價醫療法案，300多萬26歲以下的年輕人加入了父母的醫療保險計劃。

More than 9 million Americans have signed up for private health insurance or Medicaid coverage.

900多萬美國人已經注冊了私人醫療保險或針對窮人的醫療補助計劃。

And here's another number: zero. Because of this law, no American can ever again be dropped or denied coverage for a pre-existing condition like asthma, back pain, or cancer. No woman can ever be charged more just because she's a woman. And we did all this while adding years to Medicare's finances, keeping Medicare premiums flat, and lowering prescription costs for millions of seniors.

再說一個數字：0。由于這項法案，再也不會有美國人因為哮喘、背痛或癌癥這樣的已有疾病而享受不到醫療保險。再也不會有女性因為自己的性別而要多支付費用。同時，我們也在繼續提供資金支持老年保健醫療計劃，保持其保費穩定，并為無數老年人降低處方藥成本。