When I have extra savings, I like to upgrade my lifestyle or enjoy experiences that bring me joy, like traveling or improving my home. The "YOLO" (You Only Live Once) mindset resonates with me—while I want to save, I also want to enjoy life while I'm still young.
Life is about finding the right balance between securing the future and enjoying the present. It’s important to be responsible, but also to make room for the things that bring happiness. For me, the goal is to save when possible, but also embrace the moments that make life enjoyable.
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这是一个伟大的心态！平衡为未来储蓄和享受现在是个人理财的明智方法。重要的是要有财务保障，并通过制定储蓄目标为意外事件做好准备，比如目标是有一天达到100万新加坡元。同时，人生苦短，不能错过当下，享受给你带来快乐和提高生活质量的经历至关重要。
通过保持平衡的方法，你可以优先考虑为未来储蓄和放纵现在。你可以将一部分收入用于储蓄和投资，以确保长期的财务稳定。同时，你也可以分配一部分用于改善你的生活方式和给你带来快乐的体验和升级，比如旅行或改善你的家。
请记住，财务责任是关键，但在保障未来和享受现在之间找到正确的平衡同样重要。这是关于做出与你的目标和价值观一致的明智的财务决策。定期重新评估您的财务计划并使其适应不断变化的环境可以帮助您保持正轨。
请注意，所提供的信息仅供参考，不构成投资建议。在做出任何财务决定之前，总是建议咨询财务顾问或专业人士。
如果您有任何具体的投资问题或需要任何财务查询方面的帮助，请随时提问！