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Don't save what is left after spending. But spend what is left after savings.
不要把花剩下的錢(qián)拿來(lái)存，而是把存剩下的錢(qián)拿來(lái)花。

Wanting to save money is not enough. Anyway, there are a lot of things which didn't come true although you wanted them to.
想存錢(qián)是遠(yuǎn)遠(yuǎn)不夠的，畢竟你希望發(fā)生的事情并不一定就能發(fā)生。

Saving is a technique . It's simple. It's just not easy.
存錢(qián)是一門(mén)技術(shù)，這門(mén)技術(shù)很簡(jiǎn)單，只是不容易實(shí)現(xiàn)。

If you only come to think about saving after you spend, there is no chance for you to accumulate a considerable fortune, because spending is always irrational.
如果你總是在消費(fèi)之后才想著應(yīng)該存錢(qián)，那你肯定存不下錢(qián)，因?yàn)槿魏蜗M(fèi)都是非理性的。

The way that works is to make plans in advance.
真正可行的方法，是事先計(jì)劃好自己的消費(fèi)方式。

Would it be too much to use 40% of my income to rent an apartment?
每個(gè)月用收入的40%租房子會(huì)不會(huì)太多？

Is it really enough to save just 20% every month?
每個(gè)月只存收入的20%會(huì)不會(huì)太少？

Only by making it clear how much you want to save can you come to know how much you can actually spend.
你只有先計(jì)劃好要存多少錢(qián)，才能知道自己實(shí)際上可以花多少錢(qián)。

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（翻譯：能貓）