貯金
含义: Savings; the act of putting money away in a bank account or saving up for a goal.
Japan has traditionally been a nation of savers, and 貯金 is deeply ingrained in the culture. Parents teach children to save with 貯金箱 (piggy banks), and many adults set 貯金 goals. In recent years, the conversation has shifted to whether 貯金 alone is enough versus investing, but the word remains central to financial discussions. On social media, people share their 貯金額 (savings amounts) as both motivation and humble-bragging.
例句
- 毎月3万円ずつ貯金してるけど、全然増えてる気がしない。 每个月存三万日元，但完全感觉不到在增加。Ahorro 30 000 yenes cada mes, pero no me da la sensación de que crezca nada.매달 3만 엔씩 저금하고 있는데, 전혀 늘어나는 느낌이 안 든다.
- 貯金ゼロから1年で100万貯めた方法がバズってたけど、再現性あるのかな。 从零存款一年攒到一百万的方法火了，但真的有可复制性吗？Se hizo viral un método para ahorrar un millón de yenes en un año partiendo de cero, pero ¿será realmente reproducible?저금 제로에서 1년 만에 100만 엔을 모은 방법이 화제였는데, 재현 가능할까.
- 推し活に使いすぎて貯金が底をついた。 追星花太多钱，存款已经见底了。Me he pasado tanto con los gastos en mi ídolo que mis ahorros se han quedado a cero.덕질에 너무 써서 저금이 바닥났다.
发音
/t͡ɕo.kiɴ/
用法指南
语境: daily conversation, financial content, social media
语气: practical, aspirational
✓ 正确说法
- 将来のために貯金しなきゃって思うけど、なかなかできない。 (I know I should save for the future but it's hard.)觉得应该为将来存钱，但就是做不到。（知道该为未来攒钱，但总是攒不下来。）Sé que debería ahorrar para el futuro, pero me cuesta mucho.미래를 위해 저금해야지 생각은 하는데, 좀처럼 못 하겠어. (미래를 위해 저금해야 한다고 생각하지만 실천이 어렵다.)
- 貯金いくらある？って聞くのは日本でもデリケートな質問だよ。 (Asking how much savings someone has is a sensitive question even in Japan.)问别人有多少存款在日本也是很敏感的问题哦。（问别人存款有多少，在日本也是个很敏感的话题。）Preguntar cuántos ahorros tiene alguien es una pregunta delicada incluso en Japón.저금 얼마 있어? 라고 물어보는 건 일본에서도 민감한 질문이야. (저축이 얼마냐고 묻는 건 일본에서도 예민한 질문이다.)
✗ 错误说法
- 初対面で「貯金いくら？」は絶対NG — asking about someone's savings on first meeting is extremely rude in Japanese culture初次见面就问「你有多少存款？」绝对不行——在日本文化中，第一次见面就问存款金额是极其失礼的Preguntar «¿cuánto tienes ahorrado?» en un primer encuentro es totalmente inaceptable — preguntar por los ahorros de alguien nada más conocerle es extremadamente maleducado en la cultura japonesa.처음 만난 사람에게 '저금 얼마야?'는 절대 금기 — 일본 문화에서 첫 만남에 저축 금액을 묻는 것은 매우 실례되는 행동이다
常见错误
- Assuming 貯金 only means bank deposits — it broadly covers all saved money including cash at home (タンス預金)
起源与历史
From 貯 (store, save up) + 金 (money). A fundamental Japanese financial concept reflecting the culture's emphasis on thrift and preparedness. Japan's household savings rate has historically been among the highest in developed nations.
文化背景
Era: Traditional concept, consistently central to Japanese financial culture
Generation: All ages
Social background: Universal
Regional notes: Used across all of Japan. The cultural emphasis on savings is reflected in school education and family values.
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