4. Luxuries of the Mature

4. 家庭的成长可以增加消费的自由度

As families mature, houses get paid off and savings grow. Even if your children do go to the same school, their children are older, and they have a few years on you as well. Those could be years spent paying on their house and putting money in the bank.

随着家庭的成长，家里的支出会减少，存款会增多。即使你和邻居的孩子上的是同一所学校，只要他们家庭比你的家庭组建年数长，就会比你稍显富有。因为他们已经还了房贷，并且有银行存款了。

Imagine how much more freedom you would have without also having to manage your monthly mortgage.

想想如果没有月供，自己花钱能有多少自由度。

5. Their Lives Might be Plastic

5. 月光族有什么好羡慕的

Your neighbors might be disciples, worshiping the power of the plastic. While you are smart enough to understand the headaches of undisciplined credit, your neighbors might be living carelessly, buying short-term luxury today in exchange for a meager tomorrow.

或许你的邻居是一个月光族，崇尚及时享乐。当你理解到烂刷信用卡的恶果时，他们说不定还在浑浑噩噩地生活，今天买了奢侈品，明天就要喝西北风了。

6. They Know Where to Find Deals

6. 你懂得精打细算

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