1. One of the downfalls of getting a paycheck raise is getting used to a more expensive lifestyle.

薪水涨高的一个坏处是会让你习惯更昂贵的生活方式。

This is actually a bad habit of employees.

实际上这是一个不好的习惯。

Most of the time, the first thing that they do when they get a raise is to upgrade¹ their lifestyle.

大多数时候，一旦薪水涨高他们所做的第一件事是改善他们的生活方式。

This can be dangerous especially when a financial crisis² happens.

这很危险，特别是当金融危机爆发后。

You might find it hard to adjust and make sacrifices in case your money runs out on you.

你会发现一旦你的钱离开了你，你很难适应并做出牺牲。

2. Another negative effect of a salary increase is being too self-satisfied.

另外一个涨薪水带来的负面影响是人会变得太过于自我满足。

This may be a positive but too much of it, especially when it comes to money, can be a bad thing.

这是积极的态度但是过于自我满足的话，特别是当涉及到钱的时候，这是不好的一件事。

For instance, you may be too comfortable about the money coming in that you stop monitoring where it goes.

举个栗子，你会过于的安逸而变得只在乎收入的钱而忽略了支出的钱去哪了。

This can be dangerous because you might be spending too much already or racking up too much debt.

这很危险，因为你可能花费太多而导致负债累累。

If you fail to monitor it, you might be in a big financial trouble and you are still unaware³ of it.

如果你没有监控它，你很有可能陷入巨大财政问题而你还没有意识到。

I would bring my answer to an end by the following quote:

最后，我想通过下面这句话来结束我的回答：

Excess of everything is bad.

过多并非是好。

When I was 26, I started working for a place that paid very well.

当我26岁的时候，我在一个待遇不错的地方工作。

I managed to pay my student loan within a year.

在一年内，我努力还清学生贷款。

Then I bought a house, and travelled far and wide.

之后买了房子，周游各地。

Slowly every year, during bonus time I was surrounded by conversations about materials things.

而后的每一年，分发红利期间我都会陷入关于物质的讨论中。

I think the negative effects would be if you made decisions based on that salary that traps you for life.

我认为它所带来不好影响是如果你基于工资水平来做决定，那很容易让你陷入困境。

For me this was about buying several properties, which contrary to popular beliefs are not always sound investments!

对于我来说，决定无非关于买几份地产，这可能有悖于关于明智投资的流行看法。

Those possessions made a huge impact on my future decisions.

这些财产对于我今后的决定起着很大的作用。

However, I am somewhat lucky that I didn't start a family, because that would have made me stay there, and resent⁴ my job and probably family too.

但是，我有点庆幸自己没有开始组建家庭，因为这很可能使我 原地不动，导致我憎恶工作和家庭。