大多数人的问题在于他们用希望、恐惧或愿望来思考,而不是用他们的头脑。
The trouble with most people is that they think with their hopes or fears or wishes rather than with their minds.
市场并不完美,但设计良好的市场接近完美。
生命周期假说认为,个人会在一生中规划其消费和储蓄行为。
"To understand a people, you must first understand their stories."