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消费的过程也是理财的过程,只有在追求效用最大化的同时保证成本最小化,才算得上是合理,精明的消费。而且有的时候,消费也是一种投资,这就更加需要专业的头脑了。
The process of consumption is also the process of financial management. Only when the utility maximization is pursued while the cost is minimized can it be regarded as reasonable and savvy consumption. And sometimes, spending is also an investment, which requires a more professional mind.