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Personal finance advice too often consists of prescriptions. Do this, not that and save the difference for a better financial future. That’s a diet, not a plan. And like diets, this kind of financial advice works great in the beginning but fails when reality sets in. Simply put, it’s no fun. 个人理财类文章通常会开出一些“处方”式建议：做这个，不要做那个，把省下的钱存起来将来会有更好的经济保障。它给你的好比“减肥菜单”，而不是真正的计划。就像节食减肥一样，这类理财建议往往开头效果喜人，但最终很难坚持下去。换言之，这么做很无趣。 I propose a better way to think about financial decisions, using a bright line test – in this case, a thin green line. That line, which looks like stock index returns over the past 50 years, divides the wealthy, who are financially secure, from the rich, poor and everyone else. It has less to do with people’s income and a far more to do with the decisions they make and the behaviors they exhibit when it comes to money. 我建议用一种更好的方式来考虑各种财务决策，比如划条分界线，即本文所称的“浅绿线”，看看你在线的哪一头。它看起来就像是过去50年的股指收益，可以把人们分成四类：处于财务安全状态的富人、普通有钱人、穷人、其他人。区分标准跟一个人的收入关系不大，更主要的是人们在涉及金钱时所做的决定和行为。 | 
