消费降级不是最聪明的财务决策，钱要花在刀刃上来投资自己

改善你的财务处境最快的方式就是控制不产生长期价值的消费。I'm not a big believer in saving, but I am a believer in spending below your means and saving will only get you so far, but spending less so that you can use that money to invest and work and grow for you will make all the difference.