不要借贷消费，唯一值得借贷只有一种情况，购买房产这种交换价值极有可能增加的东西。大多数东西的交换价值从你购买的那一刻就会开始减少或消失，不要因债致贫。
Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.
"The difference between correlation and causation is fundamental in empirical work."
真理，通过理性思考和观察自然得出。
"A story is a letter that the author writes to himself, but others are allowed to read."
I would rather fail in trying than succeed in conservatism.