“月薪1万的同事一年存了11万”

今天，社交媒体上「月薪1万的同事一年存了11万」的话题引发热议。

是要「省钱」还是「享受」？是saver还是spender，你觉得呢？

🤔️小作业：

1. Which of the following is NOT a trait of a natural saver?

2. How does the author suggest spenders differ from savers in terms of behaviour change?

A) Spendthrifts are less likely to modify their behaviours

B) Savers are more likely to seek out financial advice

C) Spendthrifts are more aware of the need to modify their behaviour

D) Savers are more motivated to optimize their spending habits

A) It's better to be a saver than a spender

B) It's important to find a balance between spending and saving

C) Natural savers tend to have more financial success

D) Spending money is always more enjoyable than saving it

无注释原文：

Is it better to spend or save? The surprising answer

From: Yahoo Finance

7 October 2022

We all have our own money personality that represents our beliefs and behaviours around our cashola, and part of that is our identity as a spender or a saver.

Like many things, when it comes to being a spender or a saver, there's often said to be a spectrum or a scale on which we all sit. Despite this, research has shown that generally we can all self-categorise as one or the other.

So which are you?

I'll start. Hi, I'm Emma and I'm a natural spender.

I've always been a spender. It's just the way I am. I was also the kid that would eat all my allocated lollies in one go and get jealous of the ones who saved theirs.

My natural spender tendencies meant I spent most of my life wishing I was a saver. Just like I envied the kids that saved their Skittles, I envied those that seemed to have this miraculous ability to hold onto their money.

“Life as a saver must be so great”, I'd think to myself. Never wondering where all your money went. Never feeling that wrath of getting to payday and having to dip into yet another attempt at saving.

But is being a saver actually better? Recently, I've come to question exactly that.

Traits of a natural saver

Research in the financial psychology field has established that our life experiences create a set of financial beliefs that inform the way we think and feel about money. Commonalities in beliefs and their correlating behaviours have led experts to develop four different ‘scripts' or narratives for individuals to identify with – one of which is known as money vigilance.

Money vigilance is most strongly associated with the traits of a natural saver. Things like frugality, fears of not having enough, need for security, and a greater desire to retain money than to spend it.

On paper, a money vigilance narrative often makes for “better” financial outcomes. Natural savers tend to have more money in the bank, less trouble holding onto their income, and even an ability to disconnect with the idea of spending on enjoyment.

Your bank balance isn't the only marker of financial wellbeing

While natural savers might have a higher savings rate (the percentage of their income sent to savings) or more money in the bank, natural spenders may actually be better positioned to achieve financial wellbeing.

That's because a savvy saver's juicy savings balance can actually be a sign of fear and anxiety around money. When we have fear around money running out or obsess over saving, our overall levels of wellbeing can decrease. These types of savers often find it hard to enjoy life as a result of their obsessive saving behaviours.

Saving all your money sounds great in theory – but what's the point if you never use it for anything?

Savers carry a lower risk tolerance

Natural savers may also experience a lower risk tolerance than that of a spender. Being extremely fearful of risk can hold savers back from wealth creation behaviours like investing, or even things like mortgage debt.

Resistance around investing in assets that have the potential to outperform inflation can actually leave a savvy saver worse off in the long run.

While everyone has a varying risk appetite, spenders may be more able to see the value of buying things like shares or property, because they're used to parting with their money in exchange for a benefit.

Are spenders better able to optimise their behaviour?

Now don't get me wrong. Me and my fellow spendy Susans aren't immune from limitations of our natural tendency to splurge.

The writing is on the wall. Overspending and overconsumption is common in the modern world of e-commerce and buy-now-pay-later. Every dollar spent is one less dollar that can be saved.

But as a reformed overspender myself, I have a theory. I reckon spenders have a greater appetite for behaviour change in their finances.

We know we can be a bit splurgey. We know we have to work that little bit harder to save for a rainy day.

But we're more aware of the need to modify our behaviour to better our financial reality.

Savers are so used to being celebrated as embodying the ultimate financial ideal that it can actually be harder to recognise the benefit of modifying their financial beliefs and behaviours.

Ultimately, being too much of either spender or saver is a bad thing. But when we unpack the beliefs and behaviours of a spender, it can actually be easier to modify your spending behaviours than to get a saver to get comfortable parting with their money.

- ◆ -

注：中文文本为机器翻译并非一一对应，仅供参考

含注释全文：

Is it better to spend or save? The surprising answer

From: Yahoo Finance

7 October 2022

We all have our own money personality that represents our beliefs and behaviours around our cashola, and part of that is our identity as a spender or a saver.

我们每个人都有自己的金钱观念，代表我们对金钱的信念和行为，其中一部分代表着我们是爱花钱的人还是爱存钱的人。

除了表示“性格，个性”，还可以表示“名人，名流”，英文解释为“a famous person”举个🌰：The show is hosted by a popular TV personality. 该节目由一位广受欢迎的电视名人主持。

cashola是个俚语，通常用于表示现金或货币。它可以用作“cash, money”的同义词，也可以用来形容收入或财务状况。

Like many things, when it comes to being a spender or a saver, there's often said to be a spectrum or a scale on which we all sit. Despite this, research has shown that generally we can all self-categorise as one or the other.

就像许多事情一样，当谈到爱花钱的人或者存钱的人时，通常会有一个我们属于其中的范围或程度。尽管如此，研究表明，我们通常都可以将自己归类为其中之一。

spectrum /ˈspɛktrəm/ 1）表示“范围；各层次；系列；幅度”，英文解释为“a complete or wide range of related qualities, ideas, etc.”如：a broad spectrum of interests 广泛的兴趣范围，举个🌰：A wide spectrum of opinion was represented at the meeting. 会上提出了一系列广泛的意见。

2）表示“光谱，谱”，英文解释为“The spectrum is the range of different colours which is produced when light passes through a glass prism or through a drop of water. A rainbow shows the colours in the spectrum.”

1）表示“标度，刻度；等级”，英文解释为“a set of numbers, amounts, etc., used to measure or compare the level of something”如：the Centigrade/Fahrenheit scale 摄氏/华氏温标。

2）表示“比例；比例尺”，英文解释为“the relation between the real size of something and its size on a map, model, or diagram”如：a scale of 1:10,000 比例尺为1:10000。

3）表示“大小；规模；范围”，英文解释为“the size or level of something, especially when this is large”举个🌰：We don't yet know the scale of the problem. 我们还不知道问题有多严重。

categorize /ˈkæt.ə.ɡər.aɪz/ 表示“对…进行分类，将…归类”，英文解释为“to put people or things into groups with the same features”举个🌰：The books are categorized into beginner and advanced. 这些书分为入门级和高级。

So which are you?

那么你是哪一种呢？

I'll start. Hi, I'm Emma and I'm a natural spender.

我先来。大家好，我是艾玛，我是一个天生爱花钱的人。

I've always been a spender. It's just the way I am. I was also the kid that would eat all my allocated lollies in one go and get jealous of the ones who saved theirs.

我一直是个爱花钱的人。这就是我的性格。我也是那个会一口气吃掉分配到的所有棒棒糖，并羡慕别人攒下了棒棒糖的孩子。

lolly /ˈlɒl.i/ 表示“冰棍；棒棒糖（同 ice lolly 或者 lollipop）”，英文解释为“an ice lolly UK or a lollipop ”或者表示“（用纸包装的）糖果”，英文解释为“a wrapped sweet for sucking or chewing (= crushing with the teeth)”，本身也可以作为俚语，表示“钱；财产”，英文解释为“slang for money ”

My natural spender tendencies meant I spent most of my life wishing I was a saver. Just like I envied the kids that saved their Skittles, I envied those that seemed to have this miraculous ability to hold onto their money.

我天生爱花钱意味着我一生中大部分时间都希望自己是一个爱存钱的人。就像我羡慕那些省着棒棒糖吃的孩子一样，我羡慕那些似乎有奇迹般能力攒钱的人。

1）表示“（思想、行为等的）倾向”，英文解释为“If someone has a tendency to do or like something, they will probably do it or like it.”举个🌰：His tendency to exaggerate is well known. 他喜欢夸张是出了名的。

2）表示“（某事发展的）倾向”，英文解释为“If there is a tendency to do something, it starts to happen more often or starts to increase.”举个🌰：There is a growing tendency to regard money more highly than quality of life. 越来越多的人倾向于把金钱看得重于生活质量。

miraculous /mɪˈræk.jə.ləs/ 表示“奇迹般的；令人惊奇的；不可思议的”，英文解释为“very effective or surprising, or difficult to believe”举个🌰：The diet promised miraculous weight loss. 有人保证说按照这个食谱进餐就会有非凡的减肥效果。

“Life as a saver must be so great”, I'd think to myself. Never wondering where all your money went. Never feeling that wrath of getting to payday and having to dip into yet another attempt at saving.

“爱存钱的人生活一定很棒”，我会这么想。永远不需要知道你的钱都花在哪儿了。永远不需要为发薪日到来而不得不再次尝试省钱感到愤怒。

wrath /rɒθ/ 表示“愤怒；愤慨”，英文解释为“extreme anger”举个🌰：The people feared the wrath of God. 人们害怕上帝发怒。

payday /ˈpeɪ.deɪ/ 表示“发放工资日，发薪日”，英文解释为“the day on which a worker receives their pay”

But is being a saver actually better? Recently, I've come to question exactly that.

但成为爱存钱的人真的好吗？最近，我开始质疑这一点。

Traits of a natural saver 天生爱存钱的人的特质

Research in the financial psychology field has established that our life experiences create a set of financial beliefs that inform the way we think and feel about money. Commonalities in beliefs and their correlating behaviours have led experts to develop four different ‘scripts' or narratives for individuals to identify with – one of which is known as money vigilance.

金融心理学领域的研究表明，我们的生活经历创造了一套金融信念，这些信念影响着我们对金钱的思考和感受。信念及其相关行为的共性促使专家为每个人开发了四种不同的“脚本”或说法——其中之一被称为金钱警觉性（money vigilance）。

表示“特征，特性，品质”，英文解释为“a particular characteristic that can produce a particular type of behaviour”举个🌰：His sense of humour is one of his better traits. 具有幽默感是他更讨人喜欢的特点之一。

commonality /ˌkɒm.ənˈæl.ə.ti/ 表示“共通性”，英文解释为“the fact of sharing interests, experiences, or other characteristics with someone or something”举个🌰：They found a commonality in discussing their experiences. 他们在讨论各自的经验时找到了共通性。

表示“相互关系；联系；相关”，英文解释为“If two or more facts, numbers, etc. correlate or are correlated, there is a relationship between them.”举个🌰：Stress levels and heart disease are strongly correlated (= connected). 压力程度和心脏病密切相关。

1）表示“故事；叙事”，英文解释为“A narrative is a story or an account of a series of events.”如：a fast-moving narrative 一个快节奏的叙事。

2）表示“（对事件的特定的）陈述”，英文解释为“a particular way of explaining or understanding events”。

vigilance /ˈvɪdʒ.əl.əns/ 表示“警觉；警戒；警惕”，英文解释为“more careful attention, especially in order to notice possible danger”举个🌰：He said that it was thanks to the vigilance of a neighbour that the fire was discovered before it could spread. 他说多亏了一位邻居警觉才在火灾蔓延之前发现了火情。

Money vigilance is most strongly associated with the traits of a natural saver. Things like frugality, fears of not having enough, need for security, and a greater desire to retain money than to spend it.

金钱警觉性与天生爱存钱的人的特质相关性最强。诸如节俭，担心没有足够的钱，需要安全感，以及更希望存钱而不是花钱。

frugality /fruːˈɡæl.ə.ti/ 表示“俭省，节俭”，英文解释为“the quality of being careful when using money or food”

retain /rɪˈteɪn/ 表示“保持；保留；保有”，英文解释为“to keep or continue to have something”举个🌰：She has lost her battle to retain control of the company. 她被打败了，失去了继续掌管公司的权力。

On paper, a money vigilance narrative often makes for “better” financial outcomes. Natural savers tend to have more money in the bank, less trouble holding onto their income, and even an ability to disconnect with the idea of spending on enjoyment.

理论上，对金钱保持警觉性的说法通常会带来“更好”的财务结果。天生爱存钱的人往往在银行里有更多的钱，能更轻松地存钱，甚至能够摆脱花钱买享受的想法。

表示“据书面材料，在书面上，在理论上”，英文解释为“judging something by how it has been planned rather than how it really works in practice”举个🌰：The design certainly looks good on paper. 该设计从理论上看的确很不错。

Your bank balance isn't the only marker of financial wellbeing 你的银行余额不是衡量财务状况的唯一标志

While natural savers might have a higher savings rate (the percentage of their income sent to savings) or more money in the bank, natural spenders may actually be better positioned to achieve financial wellbeing.

虽然天生爱存钱的人可能有更高的储蓄率（他们的收入用于储蓄的百分比）或更多的银行存款，但实际上天生爱花钱的人更有可能实现良好的财务状况。

That's because a savvy saver's juicy savings balance can actually be a sign of fear and anxiety around money. When we have fear around money running out or obsess over saving, our overall levels of wellbeing can decrease. These types of savers often find it hard to enjoy life as a result of their obsessive saving behaviours.

这是因为精明的存钱者丰厚的储蓄余额实际上可能是对金钱感到恐惧和焦虑的标志。当我们害怕钱会用完或痴迷于储蓄时，我们的整体幸福感可能会下降。由于难以释怀的储蓄行为，这类爱存钱的人往往会发现难以享受生活。

作名词，savvy /ˈsæv.i/ 表示“常识；实际能力”，英文解释为“practical knowledge and ability”如：business savvy 专业知识。

savvy 作形容词，表示“有见识的；懂实际知识的；通情达理的”，英文解释为“having practical knowledge and understanding of sth; having common sense”，如tech-savvy指的就是懂技术，精通技术/科技的（knowing a lot about modern technology, especially computers）。

🎬电影《爱情、婚礼和婚姻》（Love, Wedding, Marriage）中的台词提到：if you're gonna be gone for six months, you need to be internet email savvy. 如果你要离开半年 你得精通互联网电子邮件。

除了表示「多汁的」，也可以表示“（信息）生动有趣的，富于刺激性的；有吸引力的；令人满足的”，英文解释为“used to describe information that is especially interesting because it is shocking or personal”举个🌰：I've got some really juicy gossip for you. 我有些有趣的小道消息要告诉你。

还可以表示“大的；重要的；高质量的；报酬丰厚的”，英文解释为“big, important, or of a high quality”举个🌰：If sales continue like this, we should be showing a nice juicy profit at the end of the year. 如果销售量这样保持下去，年底我们的利润会很丰厚。

表示“着迷的；迷恋的；难以释怀的；过分（到不正常程度）的”，英文解释为“thinking about something or someone, or doing something, too much or all the time”举个🌰：He's obsessive about punctuality. 他过分讲究准时。

Saving all your money sounds great in theory – but what's the point if you never use it for anything?

从理论上讲，把所有的钱都存下来听起来很棒——但是如果你从不用它来做任何事情，那又有什么意义呢？

Savers carry a lower risk tolerance 爱存钱的人风险承受能力较低

Natural savers may also experience a lower risk tolerance than that of a spender. Being extremely fearful of risk can hold savers back from wealth creation behaviours like investing, or even things like mortgage debt.

天生爱存钱的人风险承受能力也可能低于爱花钱的人。极度害怕风险会阻碍爱存钱者的财富创造行为，如投资，甚至包括抵押贷款。

mortgage /ˈmɔː.ɡɪdʒ/ 表示“（尤指购房的）按揭，抵押贷款”，英文解释为“an agreement that allows you to borrow money from a bank or similar organization, especially in order to buy a house, or the amount of money itself”如：a monthly mortgage payment 每月偿付的抵押贷款。

Resistance around investing in assets that have the potential to outperform inflation can actually leave a savvy saver worse off in the long run.

对投资可能跑赢通胀的资产的抵触，从长远来看，实际上会让精明的存钱者处于劣势。

resistance /rɪˈzɪs.təns/ 1）表示“抵抗；反抗；反对”，英文解释为“the act of fighting against something that is attacking you, or refusing to accept something”如：resistance to disease 抗病。

2）表示“电阻”，英文解释为“the degree to which a substance prevents the flow of an electric current through it”举个🌰：Copper has (a) low resistance. 铜的电阻很小。

outperform /ˌaʊt.pəˈfɔːm/ 表示“超过，胜过；比…做得好”，英文解释为“to do well in a particular job or activity compared to others of a similar type”举个🌰：The company has consistently outperformed its rivals this season. 这一季，这家公司的表现一直优于竞争对手。

表示“通货膨胀”，英文解释为“a general, continuous increase in prices”如：high/low inflation 高/低通货膨胀。

worse off /ˌwɜːs ˈɒf/ 表示“变得更穷困；变得更糟”，英文解释为“poorer or in a more difficult situation”举个🌰：

If he loses his job we'll be even worse off. 如果他丢了工作，我们的情况就会更糟。

While everyone has a varying risk appetite, spenders may be more able to see the value of buying things like shares or property, because they're used to parting with their money in exchange for a benefit.

虽然每个人的风险偏好不同，但爱花钱的人可能更能看到购买股票或房地产等的价值，因为他们习惯于用金钱换取利益。

appetite /ˈæpɪtaɪt/ 1）表示“食欲；胃口”，英文解释为“physical desire for food”举个🌰：He suffered from headaches and loss of appetite. 他头痛且食欲不振。

2）表示“强烈欲望”，英文解释为“a strong desire for sth”举个🌰：The public have an insatiable appetite for scandal. 公众对丑事总是喜闻乐道。

表示“（尤指不情愿地）放弃，舍弃”，英文解释为“to give something to someone else, especially when you do not want to”举个🌰：I was going to give away her old baby clothes, but I couldn't bring myself to part with them. 我原打算把她旧的婴儿服送人，但就是舍不得。

Are spenders better able to optimise their behaviour? 爱花钱的人是否能够更好地优化他们的行为？

Now don't get me wrong. Me and my fellow spendy Susans aren't immune from limitations of our natural tendency to splurge.

现在别误解我的意思。我和那些花钱比较多的人一样，都难以避免天生爱挥霍的局限性。

optimise/optimize 表示“使优化；完善”，英文解释为“To optimize a plan, system, or machine means to arrange or design it so that it operates as smoothly and efficiently as possible.”举个🌰：The new systems have been optimized for running Microsoft Windows. 新系统已经被优化，以便运行微软Windows系统。

1）表示“有免疫力”，英文解释为“cannot catch or be affected by a particular disease or illness”举个🌰：Adults are often immune to German measles. 成人往往对风疹有免疫力。

2）表示“不受影响”，英文解释为“not affected by sth”举个🌰：You'll eventually become immune to criticism. 你终究会不用在乎批评了。

3）表示“受保护；免除；豁免”，英文解释为“protected from sth and therefore able to avoid it”举个🌰：No one should be immune from prosecution. 任何人都不应免于被起诉。

splurge /splɜːdʒ/ 可以作名词也可以作动词，表示“乱花（钱）；挥霍（尤指购买奢侈品）”，英文解释为“to spend a lot of money on buying goods, especially expensive goods”举个🌰：I feel like splurging (out) on a new dress. 我想花大价钱买件新裙子。

作名词，还可以指“大量的东西，过量的东西”，英文解释为“a large or excessive amount of something”举个🌰：There has recently been a splurge of teach-yourself books. 最近有大量自学书籍上市。

The writing is on the wall. Overspending and overconsumption is common in the modern world of e-commerce and buy-now-pay-later. Every dollar spent is one less dollar that can be saved.

事实摆在眼前。在电子商务和“先买后付”的现代世界中，超支和过度消费很常见。每花出去一美元就意味着可以存下来的钱少了一美元。

「The writing is on the wall」是一个习语，意思是某个事情即将发生或已经不可避免，就像墙上写着的文字一样明显和清晰。这种说法通常用来描述某种迹象或征兆，表明不好的结果即将到来或已成定局。表示“已出现不祥之兆，已有厄运临头的预兆”，英文解释为“said to mean that there are clear signs that something will fail or no longer exist”

But as a reformed overspender myself, I have a theory. I reckon spenders have a greater appetite for behaviour change in their finances.

但作为一个改过自新的过度消费者，我有一个理论。我认为，爱花钱的人更有改变自身财务状况的欲望。

reformed /rɪˈfɔːmd/ 表示“（尤指人）悔改的，改过自新的，改邪归正的”，英文解释为“(especially of a person) changed and improved because of no longer doing something harmful”如：a reformed alcoholic/criminal 改过自新的酒鬼/罪犯。

表示“想；认为”，英文解释为“to think sth or have an opinion about sth”举个🌰：I reckon (that) I'm going to get that job. 我认为我会得到那份工作。

We know we can be a bit splurgey. We know we have to work that little bit harder to save for a rainy day.

我们知道，我们可能有点大手大脚。我们知道，我们必须更加努力地工作，以备不时之需。

save/keep money for a rainy day 表示“存钱以备不时之需；有备无患；未雨绸缪”，英文解释为“to save money for a time when it might be needed unexpectedly”举个🌰：Luckily she had saved some money for a rainy day. 幸好她未雨绸缪早有准备。

But we're more aware of the need to modify our behaviour to better our financial reality.

但我们更加意识到需要改变我们的行为来改善我们的财务现状。

表示“（稍作）修改，更改，改造，改变”，英文解释为“to change something such as a plan, opinion, law, or way of behaviour slightly, usually to improve it or make it more acceptable”举个🌰：The proposals were unpopular and were only accepted in a modified form. 这些建议不受欢迎，修改之后才得以接受。

Savers are so used to being celebrated as embodying the ultimate financial ideal that it can actually be harder to recognise the benefit of modifying their financial beliefs and behaviours.

爱存钱的人习惯于被誉为体现终极财务理想的典范，这实际上使他们更难认识到改变他们的财务信念和行为的好处。

1）表示“体现（思想或品质）；具体象征；代表”，英文解释为“To embody an idea or quality means to be a symbol or expression of that idea or quality.”举个🌰：Jack Kennedy embodied all the hopes of the 1960s. 杰克·肯尼迪体现了20世纪60年代的全部希望。

2）表示“包含；收录”，英文解释为“If something is embodied in a particular thing, the second thing contains or consists of the first.”举个🌰：The proposal has been embodied in a draft resolution. 这项提议已经被包含在一份决议草案中。

Ultimately, being too much of either spender or saver is a bad thing. But when we unpack the beliefs and behaviours of a spender, it can actually be easier to modify your spending behaviours than to get a saver to get comfortable parting with their money.

归根结底，过度的消费或储蓄都不好。但是，当我们剖析爱花钱的人的信念和行为时，改变其消费行为实际上比让爱存钱的人轻松地花钱更容易。

unpack /ʌnˈpæk/ 1）表示“解释；说明”，英文解释为“to explain or examine something in order to make its meaning clearer”举个🌰：He read the agreed statement to the group and then began to unpack it for them. 他把已达成一致的声明读给这群人听，然后开始向他们解释其意义。

2）表示“从（箱、包）中取出；打开箱包”，英文解释为“to remove things from a suitcase, bag, or box”举个🌰：I haven't even had time to unpack (my suitcase/clothes). 我甚至还没有时间打开箱子整理/把衣服从箱子里拿出来。

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