不要借貸消費，唯一值得借貸只有一種情況，購買房產這種交換價值極有可能增加的東西。大多數東西的交換價值從你購買的那一刻就會開始減少或消失，不要因債致貧。
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.
