可可电台，每期节目一话题，让英语磨练耳朵的同时学到更多有益的小知识，丰富知识的同时受益于生活。

后悔备忘录-更合理的安排支出

Being more responsible with spending

更合理的安排支出

In order to invest in our retirement or save for that down payment, we would have needed to make wiser financial spending choices.

为了退休后的投资或房子的首付，我们需要更合理的理财。

Things like buying or holding on to that perfectly reliable used car, instead of splurging on the new model…because we could,eating out less and saving for a house instead, buying fewer shoes and purses and clothes and paying off student loans sooner.

比如说买一辆不错的二手车，而不是把钱浪费在新款车型上……我们也可以减少外出就餐，攒钱买房子，少买点鞋子和衣服，提前还清助学贷款。

So many saving opportunities lost, money spent on tangible things, instead of on the future.

这么多的攒钱机会都错过了，我们用钱换来了很多实实在在的物品，却没有更多关注我们的未来。