Never buy a car. Buying a car is the stupidest act in the world, bar none. For ordinary people, do you have some practical financial advice? To prevent everyone from falling into consumption traps. The first suggestion: moderation. The second suggestion: believe in compound interest. The concept of moderation is—no matter how much your income increases, it’s useless. If you are an employee earning 10,000 yuan a month, after deducting social security,