錢是要存起來還是花出去? 這是個問題!
Win a lottery? Had a great hand at the casino? Did fortune shine upon you in the stock market?
彩票中了大獎？在賭場大殺四方？股市賺得盆滿鉢滿？After almost an entire year of celibacy from shopping and vacationing, you find the numbers reflected by your bank account meet your heart's desire.
在幾乎一整年沒有購物和度假之後，你會發現銀行賬戶裏的數字滿足了你內心的渴望。Now the most important question comes, what to do with the earnings? Should you fulfill dreams of the present, invest in preserving the future or perhaps keep saving it for a rainy day?
現在最重要的問題來了，怎麼用這些錢？是花出去實現現在的夢想、投資保護未來或者存起來以備不時之需？
Our elders always strive to teach us the value of money and its frailty. One may be on a winning streak now, but it will not always be so.
我們的長輩總是努力教導我們珍惜金錢、警惕它們的脆弱性。一個人也許現在一帆風順，但是不可能永遠如此。One will have days when there will be no sunshine but only rain, and their luck will hide behind those thick grey clouds.
人有旦夕禍福，每個人總會經歷陽光不再、陰雨漫天的時候，到那時他們的好運就會被厚厚的烏雲所遮蓋。Save for those rainy days, they say. Do not spend too much, live within a budget, refrain from credit no matter how small and save for the future.
人們總說要存錢以備不時之需。不要花太多錢，收支平衡，無論款多小都不要貸，存錢以備將來。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.
自從我們第一次從暑期打工中賺到錢、或者第一次拿到薪水、第一次交稅的時候，這一課就開始了。
In fact, the pocket money that we receive when we are children initiates the process of learning how to best manage one's money.
事實上，當我們還是孩童的時候，拿到的零花錢就已經開始了我們如何最好管理我們金錢的這一學習過程。Future, future, future, that's all they talk about, but what about the present? What about our current desires, wants and needs?
將來、將來、將來，這就是他們一直在談論的東西，但是現在怎麼樣呢？我們現在的渴望、夢想和希望呢？Wasn't our present once our future? Didn't we dream about this tomorrow, which has now become our today?
我們的現在不也是我們曾經的“將來”嗎？難道我們沒有夢想過這個已經成爲我們今天的“明天”嗎？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.
總有一天我存夠了錢給自己買一輛車。總有一天我的好運會來臨。總有一天我會有足夠的錢去周遊世界。Then, once we do earn enough money from living like misers and refraining from outings, tomorrow's plans start shadowing our present ones.
但是，一旦我們省吃儉用像守財奴那樣來存足夠的錢，我們今天的計劃就被置於明天計劃的陰影之中了。However, is it wise to keep living for that future? Will we still enjoy or even be able to backpack in our 50s?
然而，爲那樣的未來而生活是明智的嗎？等到我們50歲的時候還可以享受、甚至有力氣背起揹包嗎？Will we not have more responsibilities, less energy, a family and aging parents to take care of that causes less flexibility and less time to ensure you don't leave this earth with many regrets?
我們將不會有更多的責任、更少的精力、需要照顧的家庭和年邁的父母，從而導致更少的靈活性和更少的時間來保障你不帶任何遺憾的離開這個世界嗎？What will be the use of those professional cameras when arthritis takes over our joints and our mind grows dull?
當我們患上關節炎、大腦變得遲鈍時，那些專業相機還有什麼用呢？Will our liver be able to cope with the meat and alcohol in our advanced age? What if our life ends abruptly?
當我們老了的時候，我們的肝臟還能夠應付肉和酒嗎？如果我們突然就死了怎麼辦？How will we ever enjoy our present if we are constantly living for the future?
如果我們一直生活在未來，那麼我們怎麼享受當下的生活呢？A good question, isn't it? Should one live in the present or keep saving for the future?
這是個好問題，不是嗎？一個人是應該活在當下還是存錢以供未來？I say travel but don't let yourself run dry, indulge in the luxuries but also keep enough for your necessities, and enjoy your present but with a plan for the foreseeable future.
我認爲應該旅行但是不要弄得自己筋疲力盡，用奢侈品寵溺自己但是也要留下足夠必需品的錢，享受當下的生活但是也要爲可預見的將來留有計劃。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.
除此之外，生活並不在我們自己的掌控當中，我們也不應該爲看不見的東西而煩惱。活着就是爲了生活，因此聰明地活着吧！
