Question 10 is based on the passage you have just heard.

听力原文

    To achieve financial security, how much you save is always more important than the amount you earn or how shrewdly you invest. (9) [If you’re under 30 years old, your goal should be to save 20% of your monthly income after tax deductions.] This is irrespective of how much you earn. Approximately 50% should be reserved for essentials like food and accommodation. The remaining 30% is for recreation and entertainment. But for many young people, it’ll be difficult to designate such a large proportion of their income for savings. (10) [If you find it hard to save any money at all, start by cutting all unnecessary spending. Allocate a tiny amount of one or two percent for savings and gradually increase that amount.] Always keep that 20% goal in mind to prevent yourself from becoming complacent. It can be challenging to stick to such a strict plan. (11) [But if you adopt the right mindset, you should be able to make it work for you.] So what should you be doing with the money that you are saving? Some must be kept easily accessible in case you need some cash in an emergency. The largest proportion should be invested in retirement plans either through your employer or privately. And you can keep some money for high risk but potentially lucrative investments. Dividends can be reinvested or used to purchase something you like. By following this plan, you should hopefully be able to enjoy your life now and still be financially secure in the future.

10. What should people do if they find it difficult to follow the speaker’s advice on their financial plan? （如果人们发现很难遵循讲话者有关财务计划的建议，他们应该怎么做？）

解析：D。录音中提到，如果发现存钱很难，那就从削减所有不必要的开支做起，拨出其中1%或2%的额度存起来，然后逐渐加大这一比例。由此可知，录音中建议人们从小的目标做起。D项与此内容相符，故为正确答案。

错项排除：A项利用录音中出现的20%和cutting all unnecessary spending设置干扰，但20%指的是建议人们作储蓄计划的目标，如果实现不了这个目标，建议人们从削减所有不必要的开支做起，并没有建议人们削减20%的日常开支，A项属于细节拼凑，故排除。B项在录音中未提及，故排除。C项利用录音中出现的stick to...plan设置干扰，但录音中只是说要坚持这样严格的计划是很有挑战性的，不是建议的具体内容；录音中给出的建议是先存较小比例的钱，然后逐渐加大比例，但要始终记得20%这个目标，这不等同于尽量坚持最初的计划，故排除C项。