The oldest rule in personal finance is to avoid debt – that is, never spend more than you earn. Economists and moralists have been united in believing that you should actually spend less than you earn – in order to “save” for the proverbial rainy day or for old age.
第一个就是传统上对债务的排斥。个人金融的最古老信条就是避免负债——就是永远不要花得比挣的多。经济学家和道德家们都一致相信你应当量入为出——以便“存”钱未雨绸缪或者养老。