第一，你必须对你的财务人生有一个非常清晰和现实的了解，并了解你愿意承担的特定风险。

First, you have to have a really clear, realistic picture of your financial life and understand the specific risks you are willing to take.

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这很好地拆分了服务提供者与使用者，但它要求服务提供者与使用者对特定的服务代理有清晰的了解。

This nicely decouples the service provider and consumer, but it requires them to have clear knowledge of the particular service broker.

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无论如何，到明年一月末的以后日本央行应该对人们消费的数额有个清晰的了解——对于是否冒险提高利率也应有个清楚的认识了。

One way or another, the BoJ should have a clearer idea about how much people have been spending—and whether to risk raising its key borrowing rate—from late January onwards.

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