Question 11 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.

11. What does the speaker think is important for achieving financial security?（讲话者认为获得经济保障的重要因素是什么？）

解析：A。录音开头提到，要想获得经济保障，需要做好储蓄的计划，在后半部分又提到，如果你采取正确的心态（adopt the right mindset），就能够使这个计划为己所用。由此可知，正确的心态对于获得经济保障是非常重要的，A项是对录音中right mindset的同义替换，故为正确答案。

错项排除：录音中虽然强调了计划的重要性，但并不提倡野心勃勃的计划，故排除B项。C项和D项在录音中未提及，故均排除。