To build up my own finances, I need around 20% more in personal savings and 50% less debt.

为了积累自己的财力，我需要增加20%左右的个人储蓄，并减少50%的债务。

youdao

Additional loans and gifts from relatives, forthcoming because of group obligation rather than narrow investment calculation, have supplemented personal savings.

来自亲戚的额外贷款和礼物是出于集体义务，而不是狭隘的投资计算，补充了个人储蓄。

youdao

Personal savings have been accumulated, often through frugal living habits that require sacrifices by the entire family and are thus a product of long-term family financial behavior.

个人储蓄通常是通过节俭的生活习惯积累起来的，这需要整个家庭做出牺牲，因此是长期家庭财务行为的产物。

youdao

Some critics partly blame the crisis on Americans' low savings rate and high personal debt.

VOA: special.2009.04.10

The consumer not only lacks for nothing, but also is paying down debt or building up personal savings.

FORBES: Leon Levy Says Sell on Strength

At a rally Sunday outside Miami, Kerry ripped into Bush's plans for personal savings accounts.

CNN: Kerry: Bush?would break promise on Social Security

Compared with the 19 other major industrialized economies, the United States ranks dead last for personal savings.

CNN: Commentary: Save more for yourself and America