你的压岁钱应该存起来还是花出去

Our elders always strive to teach us the value of money and its frailty①frailty 英 ['freɪltɪ] 美 ['frelti] n. 虚弱；弱点；意志薄弱.

Save for those rainy days, they say. Do not spend too much,live within a budget②budget英 ['bʌdʒɪt] 美 ['bʌdʒɪt] n. 预算，预算费, refrain③refrain 英 [rɪ'freɪn] 美 [rɪ'fren] vi. 节制，克制；避免；制止from credit no matter how small and save for the future.

Since the very first time we earn our own money from a summer job or earning our first salary and filing taxes for the first time, the lessons start.

In fact, the pocket money that we receive when we are children initiates④initiate 英 [ɪ'nɪʃɪeɪt] 美 [ɪ'nɪʃɪet]vt. 开始，创始；发起；使初步了解the process of learning how to best manage one's money.

Future, future, future, that's all they talk about, but what about the present? What about our current desires, wants and needs?

Wasn't our present once our future? Didn't we dream about this tomorrow, which has now become our today?

One day when I have enough money, I will buy myself a car. One day my luck will shine. One day I will have enough money to travel the world.

Then, once we do earn enough money from living like misers⑤miser英 ['maɪzə] 美 ['maɪzɚ] n. 守财奴；吝啬鬼and refraining from outings, tomorrow's plans start shadowing our present ones.

However, is it wise to keep living for that future? Will we still enjoy or even be able to backpack in our 50s?

What will be the use of those professional cameras when arthritis⑥arthritis 英 [ɑː'θraɪtɪs] 美 [ɑr'θraɪtɪs] n. 关节炎takes over our joints and our mind grows dull?

Will our liver be able to cope with the meat and alcohol in our advanced age? What if our life ends abruptly?

How will we ever enjoy our present if we are constantly living for the future?

A good question, isn't it? Should one live in the present or keep saving for the future?

I say travel but don't let yourself run dry, indulge⑦indulge 英 [ɪn'dʌldʒ] 美 [ɪn'dʌldʒ]vt. 满足；纵容；使高兴；使沉迷于……in the luxuries but also keep enough for your necessities⑧necessities 美 [nə'sɛsəti] n. 必需品, and enjoy your present but with a plan for the foreseeable future.

Beyond that, life is not in our control and we shouldn't fret about the unseen. Life is for the living, so live it sensibly.

我们的长辈总是努力教导我们珍惜金钱、警惕它们的脆弱性。

人们总说要存钱以备不时之需。不要花太多钱，收支平衡，无论款多小都不要贷，存钱以备将来。

自从我们第一次从暑期打工中赚到钱，或者第一次拿到薪水、第一次交税的时候，这一课就开始了。

事实上，当我们还是孩子，拿到第一笔零花钱时就已经开始学习该如何管理自己的资产了。

将来、将来、将来，这就是他们一直在谈论的东西，但是现在怎么样呢？我们现在的渴望、梦想和希望呢？

我们的现在不也是我们曾经的“将来”吗？难道我们没有梦想过这个已经成为我们今天的“明天”吗？

总有一天我存够了钱给自己买一辆车。总有一天我的好运会来临。总有一天我会有足够的钱去周游世界。

但是，一旦我们省吃俭用像守财奴那样来存足够的钱，我们今天的计划就被置于明天计划的阴影之中了。

然而，为那样的未来而生活是明智的吗？等到我们50岁的时候还可以享受生活，还有力气背起背包吗？

当我们患上关节炎、大脑变得迟钝时，那些专业相机还有什么用呢？

当我们老了的时候，我们的肝脏还能够应付肉和酒吗？如果我们突然就死了怎么办？

如果我们一直生活在未来，那么我们怎么享受当下的生活呢？

这是个好问题，不是吗？一个人是应该活在当下还是存钱以供未来？

我认为应该旅行，但是不要弄得自己筋疲力尽；用奢侈品宠溺自己，但是也要留下足够必需品的钱；享受当下的生活，但是也要为可预见的将来留有计划。

除此之外，生活并不在我们自己的掌控当中，我们也不应该为看不见的东西而烦恼。活着就是为了生活，因此聪明地活着吧！