现有的经济理论倾向于支持乐观派，理性消费者会依据财富变动而对他们长期支出进行调整，而不是悠闲自在的去面对。

Economic theory tends to support the optimists. Rational consumers should adjust their long-term spending in response to changes in their wealth, not the ease with which they can tap it.

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富国银行证券的资深经济学家马克·维特纳说到：自此以后，削减开支的举措会造成经济增速的减缓，这是因为企业会倾向于减少支出，同时，雇佣人数也会走低。

Over time, the cuts tend to dampen growth by making companies reluctant to spend and hire, said Mark Vitner, senior economist at Wells Fargo Securities.

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坚守预算——甚至许多理财规划师都忌讳这个词语，他们更倾向于委婉的说法“支出计划”——如同节食一般，貌似太过了。

Sticking to a budget - a dirty word even among many financial planners, who prefer the more euphemistic "spending plan" - feels too much like dieting.

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