Don’t save what is left after spending. But spend what is left after savings¹.

不要把花剩下的钱拿来存，而是把存剩下的钱拿来花。

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。

Saving is a technique . It’s simple. It’s just not easy.

存钱是一门技术，这门技术很简单，只是不容易实现。

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 irrational².

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。

The way that works is to make plans in advance.

真正可行的方法，是事先计划好自己的消费方式。

Would it be too much to use 40% of my income to rent an apartment?

每个月用收入的40%租房子会不会太多？

Is it really enough to save just 20% every month?

每个月只存收入的20%会不会太少？

Only by making it clear how much you want to save can you come to know how much you can actually spend.

你只有先计划好要存多少钱，才能知道自己实际上可以花多少钱。