permanent deposit
恒常存款
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人们其实并不依据他的当年收入来决定开支,而是按照"恒常所得"(他们期望年复一年的收入)来花销,在收入很低的时候,他们常常可能会花光存款,即使有飞来横富的收入时候,他们并不愿意多花钱。
People, he suggested, did not spend on the basis of what their income happened to be that year, but according to their “permanent income”—what they expected to have year in and year out.
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