Money matters - Earning, Spending, Saving and Investing

When people start having money (from earning or given by other people), he or she will spend it.

Some will overspend, and always be in debt.
Some will spend till the last cents, and thus work for money (月光族).
Some will spend some, save some and just think that he or she will be saved for rainy days.
Only a few will spend some, save some, and invest more to make the money work for them (so they never have to work for money again).

So which one is you?