This might seem absurd – he had the money for both – but it is little decisions like that and a sense of what is enough that should insure he is financially secure long after his playing days.

這可能看起來挺好笑，畢竟他兩輛車都買得起，但是，像他這樣會(huì)以“夠用就好”做決定的人不多，而這可以保證他在退役之后數(shù)十年里的財(cái)務(wù)安全。

If ordering a $4 latte is something that makes your day better, do it. There are plenty of people who have said you could save that $4, watch it compound, and have a larger nest egg in retirement. Absolutely true, but no fun and totally unreasonable. Budgets, like diets, fail because they tell you what not to do. Financial plans allow you to make choices and to spend on what matters to you, knowing that you will have to save in other areas to maintain the security of true wealth.

如果點(diǎn)一杯4美元的拿鐵可以讓你的心情更好，那就別猶豫。有人可能會(huì)對(duì)你說要省下這4美元，看著它越變?cè)蕉?，讓自己有更多退休?chǔ)備金。他說的沒錯(cuò)，但這種做法既無趣又不切實(shí)際。做預(yù)算就像節(jié)食，失敗就失敗在它只告訴你別去做什么。聰明的富人用“財(cái)務(wù)計(jì)劃”來選擇把錢花在對(duì)自己來說重要的事情上，與此同時(shí)，你知道自己必須要在其他地方省，以保證財(cái)務(wù)安全。

James Heckman, the Nobel prize-winning economist, has done research that shows spending money to put children into high-quality early childhood education offers the greatest bang for the buck in their adult years. The reason is from three to eight children develop traits like conscientiousness, perseverance, sociability, and curiosity. And these qualities matter more to ultimate success than SAT prep courses in high school or what college your children go to.

諾貝爾經(jīng)濟(jì)學(xué)獎(jiǎng)得主詹姆斯?赫克曼進(jìn)行的研究發(fā)現(xiàn)，花錢讓孩子接受高質(zhì)量的早期兒童教育，可以讓他們成年后獲得最大的好處。原因是3至8歲正是兒童發(fā)展責(zé)任心、毅力、社交能力和好奇心的階段。這些品質(zhì)對(duì)于孩子最終的成功至關(guān)重要，遠(yuǎn)遠(yuǎn)超過高中的SAT預(yù)科課程和讀哪所的大學(xué)。