第二，由于惯性，个人投资者并不倾向于主动去购买基金，而是被卖给他们。
Second, because of their inertia, retail investors tend not to buy funds; funds are sold to them.
我并没有说不要花钱买可以让你得到快乐的东西，我的意思是：在消费的时候等一下，想一想，确定你购买的东西即重要又有用，而不是一味的买一堆东西，要基于目的和价值消费而不是习惯性消费。
Don’t just buy a bunch of Stuff.” Buy based on your goals and values, not out of habit.
购买汽车的消费大众可以忍受偶尔的召回行动，而丰田正在把宣告其最新款产品的缺陷变成一种习惯性的行为。
And while the car-buying public will tolerate occasional recalls Toyota is making a habit of advertising the defects of its latest models.
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