Each individual reaches a decision--each individual has an income point and decides how much to consume based on the budget constraint.

在预算限制内,每个人都要决定将收入的多少,用于消费

耶鲁公开课 - 金融市场课程节选

I'm not sure how many of us would decide the last thing we wanted to do with our remaining years is to spend it in college.

我不确定我们中有多少人会决定,在最后几年里要做的最后一件事是,上大学。

耶鲁公开课 - 死亡课程节选