2. Allocation is Essential

2. 钱花在哪里是关键

While you choose to consistently save money for your kids’ education, and retirement later in life, they are spending what they believe are excess funds on their cars and homes. They might be making the shallow choice to spend their money on what people can see, while you are spending your money on the life you want to live, both today and tomorrow. You choose to pay for piece of mind.

当你决定要为孩子的教育和未来的养老存钱时，你的邻居却把额外的钱花在车子和房子上。也许他们只是肤浅地把钱花在大家都看得见的地方，可是你是用钱创造自己现在和未来的理想生活。你是在为自己的理想买单。

It’s how your neighbors allocate their income that makes them seem richer than they are.

看起来邻居好像很有钱，其实是他们花钱的地方和你不同。

3. Perks Matter

3. 福利很重要

While Your neighbors’ salaries might be slightly more than yours, it isn’t enough to justify the massive leap in spending. However, fringe benefits can greatly widen the gap. Perks such as cars, phones, laptops, and more can give the recipient an amazing leg up when it comes to freeing money for other pleasures.

虽然你的邻居可能工资高一点，但这不足以解释你们消费的巨大差异。不过，福利会加大你们之间的消费差距，比如汽车、电话、笔记本电脑等，有了这些福利，你的邻居就有闲钱享乐了。

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