在香港，你一定会听过"借定唔借？还得到先好借！"
“To borrow or not to borrow? Borrow only if you can repay!”
很早的时间，有很多朋友都问过我为什么年轻就可以退休了，我想向大家分享一件事情。
There are many friends have asked me why I can retire young, I would like to share with you one thing.
相信很多人可能都有信用卡、私人贷款、按揭等负担，但其实当这个包袱在你身上就已经输了。
I believe that many people may have credit cards, personal loans, mortgages etc. other burden, but in fact when you have this burden , you already be a loser.
很多人会觉得信用卡只要每个月准时交款，贷款等到供完就结束，我肯定的告诉你这是没完没了。只要开了头，就难有结束的一天。小弟在退休之前也是从业金融业，看到很多年青人背负了还不清的债务，结果要弄到家人帮手，这不但伤害了自己，也破坏了家人对你的信任。坊间上有很多信用卡、财务贷款的广告看起好像是帮你解决问题，但其实是害人不浅。
Many people will think that the credit card as long as the monthly payment,and the loan until the end of the end, I am sure to tell you this is endless. As long as the head, it is difficult to end the day. when I before retire that i am working in financial, see a lot of young people bear the debt is not clear, the results to get family helpers, which not only hurt themselves, but also undermine the family's trust in you. There are a lot of credit card and financial loans's advertising seems to help you solve the problem, but in fact is not harmful.
现在我和大家分享1个小个案，是我还是打工的时候发生的
他是一个银行经理，已经四十多岁，在某间大型银行工作了十多年，月薪由五万多至廿十多万，年薪也过百万，但他没有任何物业，每次发薪不到一星期只余数十元。很多人都会想年薪过百万不是应该很富有吗?为什么会弄到这样?
就是他有信用卡，有贷款，结果永不返身。他虽然人工高，但是为了每个月要还款，结果他大部分的薪金也用来还款，就是这样，每个月处于入不敷支的壮态。每当他没钱的时候就会使用信用卡甚至向银行或财务公司借贷，这根本就是一个恶性循环!
He is a bank manager and he has been more than 40 years old. He has working in large bank at least 10 years, his monthly salary around fifty thousand to two hundred thousand, Annual salary is over a million, but he hasn't any asset, after he always still under 100dollars in his bank account after he get salary not later 1 week. Many people think why he isn't a richman? It is because he has credit card and personal loan, half of his salary to use to payment his debt.
很多人都会以为自己是有节制力，不会重蹈覆辙，结果踏上一条不归路。因为如果你有节制力，根本不会踏上这一条路。
Many people will think that they are restrained, will not repeat same mistakes, the results set foot on a no return. Because if you have control, will not set foot on this road
我认为做人要量力而为，没有能力就不要勉强，不但伤害自己也会伤害别人。就如当你有了小朋友，背负一身债务的你能给他什么?安稳的生活还是什么?
I think people should be determined, do not have the ability to not force, it isn'tt only hurt yourself and it will hurt others. Just as you have a child, bear a debt you can give him what? A stable life or what?
这是我个人一小小的见解，希望能帮到大家
如果你喜欢请跟随 @chl
This is my little personal opinion, hoping to help everyone
If you like it, please follow @chl