为什么你存不下钱
<p><span word="Don">Don</span>’<span word="t">t</span> <span word="save">save</span> <span word="what">what</span> <span word="is">is</span> <span word="left">left</span> <span word="after">after</span> <span word="spending">spending</span>. <span word="But">But</span> <span word="spend">spend</span> <span word="what">what</span> <span word="is">is</span> <span word="left">left</span> <span word="after">after</span> <span word="savings">savings</span>.</p><p>不要把花剩下的钱拿来存，而是把存剩下的钱拿来花。</p><p><span word="Wanting">Wanting</span> <span word="to">to</span> <span word="save">save</span> <span word="money">money</span> <span word="is">is</span> <span word="not">not</span> <span word="enough">enough</span>. <span word="Anyway">Anyway</span>, <span word="there">there</span> <span word="are">are</span> <span word="a">a</span> <span word="lot">lot</span> <span word="of">of</span> <span word="things">things</span> <span word="which">which</span> <span word="didn">didn</span>’<span word="t">t</span> <span word="come">come</span> <span word="true">true</span> <span word="although">although</span> <span word="you">you</span> <span word="wanted">wanted</span> <span word="them">them</span> <span word="to">to</span>.</p><p>想存钱是远远不够的，毕竟你希望发生的事情并不一定就能发生。</p><p><span word="Saving">Saving</span> <span word="is">is</span> <span word="a">a</span> <span word="technique">technique</span> . <span word="It">It</span>’<span word="s">s</span> <span word="simple">simple</span>. <span word="It">It</span>’<span word="s">s</span> <span word="just">just</span> <span word="not">not</span> <span word="easy">easy</span>.</p><p>存钱是一门技术，这门技术很简单，只是不容易实现。</p><p><span word="If">If</span> <span word="you">you</span> <span word="only">only</span> <span word="come">come</span> <span word="to">to</span> <span word="think">think</span> <span word="about">about</span> <span word="saving">saving</span> <span word="after">after</span> <span word="you">you</span> <span word="spend">spend</span>, <span word="there">there</span> <span word="is">is</span> <span word="no">no</span> <span word="chance">chance</span> <span word="for">for</span> <span word="you">you</span> <span word="to">to</span> <span word="accumulate">accumulate</span> <span word="a">a</span> <span word="considerable">considerable</span> <span word="fortune">fortune</span>, <span word="because">because</span> <span word="spending">spending</span> <span word="is">is</span> <span word="always">always</span> <span word="irrational">irrational</span>.</p><p>如果你总是在消费之后才想着应该存钱，那你肯定存不下钱，因为任何消费都是非理性的。</p><p><span word="The">The</span> <span word="way">way</span> <span word="that">that</span> <span word="works">works</span> <span word="is">is</span> <span word="to">to</span> <span word="make">make</span> <span word="plans">plans</span> <span word="in">in</span> <span word="advance">advance</span>.</p><p>真正可行的方法，是事先计划好自己的消费方式。</p><p><span word="Would">Would</span> <span word="it">it</span> <span word="be">be</span> <span word="too">too</span> <span word="much">much</span> <span word="to">to</span> <span word="use">use</span> 40% <span word="of">of</span> <span word="my">my</span> <span word="income">income</span> <span word="to">to</span> <span word="rent">rent</span> <span word="an">an</span> <span word="apartment">apartment</span>?</p><p>每个月用收入的40%租房子会不会太多？</p><p><span word="Is">Is</span> <span word="it">it</span> <span word="really">really</span> <span word="enough">enough</span> <span word="to">to</span> <span word="save">save</span> <span word="just">just</span> 20% <span word="every">every</span> <span word="month">month</span>?</p><p>每个月只存收入的20%会不会太少？</p><p><span word="Only">Only</span> <span word="by">by</span> <span word="making">making</span> <span word="it">it</span> <span word="clear">clear</span> <span word="how">how</span> <span word="much">much</span> <span word="you">you</span> <span word="want">want</span> <span word="to">to</span> <span word="save">save</span> <span word="can">can</span> <span word="you">you</span> <span word="come">come</span> <span word="to">to</span> <span word="know">know</span> <span word="how">how</span> <span word="much">much</span> <span word="you">you</span> <span word="can">can</span> <span word="actually">actually</span> <span word="spend">spend</span>.</p><p>你只有先计划好要存多少钱，才能知道自己实际上可以花多少钱。</p>
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