Three Rule for personel: 1.Don't have debt rise faster than income, because your debt burden will eventually crush you. 2.Don't have income rise faster than productivity, because you will eventually become uncompetitive. 3. Do all that you can do to raise your productivity, because in long term, that is what matters most.
1.one person's spending is another person's income. 2.spending,income,borrow,debt repayment,productivity 3 rules of thumb 一、不要让债务的增长超过收入 二、不要让收入的增长超过生产率 三、尽一切努力提高生产率