生活因变化而精彩：5种方式打造精彩生活

1. Live Below Your Means
量力消费

There will always be temptation to forsake the future for immediate gratification. We all want to buy that new piece of technology, treat ourselves to an expensive night on the town, or take out a loan for the flashy car we can’t afford. It might feel great at the time but rash spending hurts a lot later on.
总是存在一些诱惑，让你想为了眼前的满足而放弃未来。我们都想买新科技产品，去吃一顿昂贵的晚餐犒劳自己，或者贷款买那辆我们本来买不起的耀眼豪车。当时可能感觉很棒，但轻率的消费会让你之后很受伤。

Enjoy life’s simple pleasures and save as much as you can. Expensive things don’t create lasting happiness and security. Careful spending will bring you greater leisure and enjoyment in the long run.
享受生活中简单的乐趣，尽可能地节省。昂贵的东西并不会带来长久的幸福和安全感。从长远来说，慎重消费才会带给你更大的轻松和愉快。

2. Put Your Money to Work
让你的钱运转起来

Saving is great, but to make the most of your money you need to put it to work. Good investments can be the difference between retiring in your 40′s or in your 60′s.
存钱是好的，但是想要最大程度利用你的钱，你需要让它们运转起来。好的投资可以决定你的退休时间是40多岁还是60多岁。

If a person in their early 20′s invests 20% of their income in an S&P index fund, the interest they earn will equal their current salary when they reach their early 40′s. They could retire without a drop in income! Wise investing is the surest path to financial independence and it’s something everyone can work on.
如果一个人在20岁出头的时候把他工资的20%用于投资购买标准普尔指数基金，那么当他40岁出头时，他获得的利息会和他当前的工资持平。他们就可以在不减少收入的情况下退休了！明智的投资是经济独立最可靠的道路，而且每个人都可以做到。

3. Educate Yourself
自我教育

To be happy we need continuous growth. The best way to grow is life long education. This doesn’t mean you need to pursue a doctorate or spend 2 hours reading every day. Self education can be anything that takes you out of your comfort zone. The important part is keeping an open mind and searching for fresh ideas and perspectives.
为了能够幸福，我们需要持续的成长。成长最好的方法就是终身教育。这并不意味着你要去攻读博士学位或者每天读书两小时。自我教育可以是任何让你走出自己舒适区域的东西。重要的是保持开放的心态，寻求新鲜的观点和看法。

Education builds over time. It might feel like the bits of wisdom you acquire don’t mean much, but over the years they add up to form a wiser, kinder, more interesting person.
教育会让时间充实。也许你会觉得你获得的点滴智慧并没有多重要，但经过多年积累，它们会让你成为一个更睿智、更仁慈、更有趣的人。