Imagine going about your day with no direction or thought about what you need to do or what you want to do.

想象一下你一整天没有目标，也不知道做什么和想做什么，这是多么的可怕。

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As you identify the automatic thought, you need to see it for what it is: a hypothesis, a guess — rather than a fact.

当你识别自动思维时，你需要看它到底是什么：是一个假设，一个猜想？还是一个事实。

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Depending upon what and how much you want, you need to commit to taking action and to making some well-thought-out, informed choices regarding what is really important to you and your financial life.

这取决于你想要什么，要多少，你必须就此采取行动，然后根据对自己和自己的财务生活的切实需要做出深思熟虑，且有方向的选择。

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