私房钱

• ピンイン: sī fáng qián
• 漢字の分解: 私 = 禾 (grain) + 厶 (private) — private, personal; 房 = 户 (door) + 方 (square) — room, house; 钱 = 钅(metal radical) + 戋 — money, currency

意味

へそくり（秘密の貯金）

A widely used colloquial expression referring to money one partner keeps hidden from the other, or funds an individual sets aside secretly for personal use. Not inherently negative — can be affectionate or playful — but may carry connotations of deceit depending on context. Very common in everyday Chinese conversation.

例文

1. 她悄悄攒了多年的私房钱，在丈夫生日时买了一份令他大为惊喜的厚礼。
2. 在某些家庭中，夫妻双方保留一定数额的私房钱被认为是维护个人空间的合理方式。
3. 孩子在零花钱中一点一滴地积攒私房钱，悄悄为妈妈准备了一份特别的母亲节礼物。

使い方ガイド

場面: family, finance, colloquial

トーン: light-hearted

正しい言い方

• 他一向以精明著称，工作多年来在家庭开支之外悄悄留存了一笔不小的私房钱，以备不时之需。(Known for his shrewdness, he had quietly set aside a sizeable sum of private savings over the years, beyond the household expenses, as a reserve for unforeseen needs.)
• 现代理财观念提倡夫妻双方在共同账户之外各自保有少量私房钱，以保留一定的财务自主权。(Modern financial thinking encourages couples to each retain a small amount of private money alongside their joint accounts, so as to preserve a degree of financial autonomy.)

避ける言い方

• 避免将 私房钱 用于正式财务或法律文书中 — 该词为口语化表达，正式语境下应使用 个人储蓄 或 个人财产 等规范用语

起源と歴史

私 (private) + 房 (room) + 钱 (money) — money kept in a private room; funds secretly set aside for personal use outside the household

文化的背景

世代: All ages

社会的背景: Universal