If I consume less than my income today, I'm saving and my consumption would be lower this year.

如果我花的比赚的少,我在储蓄,今年的消费就会较少

耶鲁公开课 - 金融市场课程节选

No, if I'm saving this year my consumption would be less than my income, so my consumption might be here and I would then have more next year.

错了,如果我今年增加储蓄,我的消费就会少于收入,这里表示消费,明年我就会有更多的收入

耶鲁公开课 - 金融市场课程节选