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.

相机是个骗子。

我不相信写作障碍，我相信懒惰。

The golden rule is that there are no golden rules.