為什麼你存不下錢？

Don't save what is left after spending. But spend what is left after savings.

不要把花剩下的錢拿來存，而是把存剩下的錢拿來花。

Wanting to save money is not enough. Anyway, there are a lot of things which didn't come true although you wanted them to.

想存錢是遠遠不夠的，畢竟你希望發生的事情並不一定就能發生。

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

存錢是一門技術，這門技術很簡單，只是不容易實現。

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.

如果你總是在消費之後才想著應該存錢，那你肯定存不下錢，因為任何消費都是非理性的。

The way that works is to make plans in advance.

真正可行的方法，是事先計劃好自己的消費方式。

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

每個月用收入的40%租房子會不會太多？

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

每個月只存收入的20%會不會太少？

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

你只有先計劃好要存多少錢，才能知道自己實際上可以花多少錢。