I’ll say ‘Survival Chic 101’ is easiest to implement when you are alone. An ordinary person probably only needs to settle the lack of money issue first. Why? Because human beings need to eat. This is our most basic need. What about shelter? Well, when you are down and out and broke, you just have to continue staying with your parents until you can afford to pay for shelter. You can’t stand them nagging at you, that’s too bad. Live with it! In ___, I said that if you do not have money, don’t talk about dreams, ideals and love! Be practical and realistic! So as I said in ______, I need to give it my all to keep my job, because it gives me the money that I need to survive. Therefore, the most basic needs are mostly related to what I need to keep my job.
‘生活之道’ 在你单生的时候最容易实施！ 一个单生普通人首先只需要解决资金缺乏的问题。为什么？因为人类需要吃饭（所有活着的众生有可能‘饿’死， 对吧？）。这是我们人类最基本的需求。那么住所呢？当一个人落魄又没有钱时，只好厚着脸皮继续住爸妈的屋子，直到你有能力支付在外租房为止。你无法忍受他们唠叨你，这也没有办法。 忍着吧！ 在___，我说如果一个人没有钱，不要谈论什么梦想，理想和爱情！ 你一定要现实和实际！我在______解释过，应为只有我的工作支付我薪水， 我一定要全力以赴保住我的工作。 因此，我列入‘工作需求’为生存之道最基本的需要。
If you are married, then your spouse and you are one entity. Why? Because legally, you can’t escape being ‘entangled’ with your spouse. Whatever your spouse does, it will affect you too. And vice versa. What about boyfriend or girlfriend? Nah, in Singapore, de-facto is not recognised in any legal capacity, so I don’t include it in my ‘Survival Chic 101’. Ok, so whatever you need to do to keep both your jobs come first, and even though the concept of ‘true love conquers all’ is great, let’s be realistic and practical. You need to put aside a little money for romance too. If there was no romance, sooner or later, one or both of you will think: “then why the heck are we together?!” 🤔 A movie twice a month sounds good, don’t you think? And because you are not alone, you need to take care of both yourself and him. And he needs to take care of himself and you. That’s why who you marry matters!
如果你已婚，那么你的伴侣和你是一体的。为什么？因为在法律上，你们无法避免彼此的‘纠缠’。无论你的先生或你的老婆做什么，他们的一举一动多多少少会影响到你。那么男朋友或女朋友呢？ 在新加坡没有任何未婚的合法身份，所以我没有把它列入我的‘生存之道’。所以， 保持你和你先生（老婆）的工作都排第一位。 别童话故事看太多，活在一个‘真爱能征服一切’的童话故事里。 这个概念虽然很棒，但我们要现实和实际！！！ 应为爱情没有‘滋润’会死掉， 我们也需要留一点钱制造浪漫。如果我们没有花钱花时间守住爱情， 迟早我们会想： “两个人在一起没有爱情， 那么在一起干什么？！” 🤔 一个月可以看电影两次听起来不错吧，你们觉得呢？因为不再孤单，你需要照顾好自己和你的伴侣。同样的了， 他也需要照顾他自己和你。所以说婚姻不是儿戏！
And finally, we talk about a couple who have their own children. Ideally, it would be great if the couple is financially stable before they have kids. But we can’t control everything in life. So if you and your spouse have kids, then the pie would have to be split into more pieces. After all, if you bring a child into this World, then it is your job to look after the child until he or she is able to look after himself. If you are not ready to do that, then don’t have kids!!! I quote a learned monk (I’ll tell you more about him later) who I spoke with recently, he said of the increasing number of young couples who face marriage problems: “Having a child after marriage is not a Key Performance Indicator (KPI)!” 🤓 So a couple with kids would need to include the child’s expenses in their ‘Survival Chic 101’. But it doesn’t end there! Because the children are dependents, the couple also has to save for the future, for contingencies and for emergencies. It is important that there is enough money to provide for the family and the children in all scenerios, until the children are independent.
最后，我们谈论一对有自己孩子的夫妻。理想情况下，如果夫妻在有孩子之前经济上稳定，那将是非常好的情况。 但我们无法控制生活中的一切， 这我知道。 所以如果你和你的伴侣有孩子，那么你们的‘馅饼’就不得不分成更多几片（更多负担）。毕竟，如果你把你的孩子带到这个世界，你就有责任照顾你的孩子， 直到他（她）能够照顾自己为止。如果你还没有准备好这样做，那么千万不要有孩子！我引用了一位最近与我交谈过的一位有知识的僧侣（稍后我会告诉你更多关于他），他看到我国越来越多年轻夫妇面临婚姻问题， 他说：“婚后生孩子不是关键绩效指标（KPI ）！” 🤓 因此，有孩子的夫妇需要将孩子的开支包括在他们的‘生存之道’中。 最后， 应为孩子完全依赖父母，父母亲必须为将来和紧急情况储蓄。父母要确保在任何情况下都有足够的钱提供给成人与孩子，直到孩子长大独立为止。 嗯！
