Do you know what the “Four Must-Haves for the Poor” are for ordinary people these days?

First, buying a car with installment loans.
Second, emptying the family’s savings to get married—this is essentially the legal confiscation of all the legitimate income from the first half of your life.
Third, buying a house with installment loans.
Fourth, having children without any savings.
If these four “buffs” are stacked at once, outsiders call it a perfectly fulfilled life, but behind the scenes, it’s called being heavily in debt. Externally, there’s a single common name for it: happiness.