创建一笔备用基金。
即使计划完美，生活也难免会有意外发生，因此专家推荐设立安全垫，或某种备用基金。
Life has a natural way of derailing even the best-laid plans, so experts recommend building a cushion, or a slush fund of sorts.
一个缺乏短期流动性的国家可能不愿向国际货币基金组织寻求“备用信贷协议”——IMF 危机贷款的中流砥柱。
A country lacking short-term liquidity would be loth to approach the IMF for a loan under the "stand-by arrangement", the mainstay of the IMF's crisis lending.
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