This might seem absurd – he had the money for both – but it is little decisions like that and a sense of what is enough that should insure he is financially secure long after his playing days.

这可能看起来挺好笑，毕竟他两辆车都买得起，但是，像他这样会以“够用就好”做决定的人不多，而这可以保证他在退役之后数十年里的财务安全。

If ordering a $4 latte is something that makes your day better, do it. There are plenty of people who have said you could save that $4, watch it compound, and have a larger nest egg in retirement. Absolutely true, but no fun and totally unreasonable. Budgets, like diets, fail because they tell you what not to do. Financial plans allow you to make choices and to spend on what matters to you, knowing that you will have to save in other areas to maintain the security of true wealth.

如果点一杯4美元的拿铁可以让你的心情更好，那就别犹豫。有人可能会对你说要省下这4美元，看着它越变越多，让自己有更多退休储备金。他说的没错，但这种做法既无趣又不切实际。做预算就像节食，失败就失败在它只告诉你别去做什么。聪明的富人用“财务计划”来选择把钱花在对自己来说重要的事情上，与此同时，你知道自己必须要在其他地方省，以保证财务安全。

James Heckman, the Nobel prize-winning economist, has done research that shows spending money to put children into high-quality early childhood education offers the greatest bang for the buck in their adult years. The reason is from three to eight children develop traits like conscientiousness, perseverance, sociability, and curiosity. And these qualities matter more to ultimate success than SAT prep courses in high school or what college your children go to.

诺贝尔经济学奖得主詹姆斯•赫克曼进行的研究发现，花钱让孩子接受高质量的早期儿童教育，可以让他们成年后获得最大的好处。原因是3至8岁正是儿童发展责任心、毅力、社交能力和好奇心的阶段。这些品质对于孩子最终的成功至关重要，远远超过高中的SAT预科课程和读哪所的大学。