The prosperity of various overdraft channels in recent years has really turned our generation into a machine for early consumption, and the monthly salary has not reached our own hands. We are just a money transfer station.

I take myself as an example. Now I can get about four or five thousand a month. Every moonlight family needs 3,000 yuan for mortgage, gas, property and water and electricity, and the rest is barely enough.

Next month is the Dragon Boat Festival, so it's time to give my father-in-law a gift. I basically go there three times a year and spend about 600 each time. Now my disposable income is only a few hundred dollars.

But this time it happened at the right time. Next month, my brother will have a second child, including the red envelope of 1000, and the disposable income will become negative. But I still have to buy milk powder for my children and eat.

So I have to use a credit card or other means to prepay next month's money to ensure my normal life.

These are just an episode in life. There are too many places to spend money in daily life. You have to bring gifts for weddings, funerals and weddings, and you have to buy headaches and colds. Children's milk powder must not be broken.

I hate this consumption concept of spending in advance, but I don't earn as much as I spend, so I want to balance my life in this way.

I think many people should be in the same state as me. We want to change from a "debt family" to a "moonlight family" and even want to save money, but our current strength simply does not allow it.

Spending in this way of overdrawing the future can guarantee a normal living standard and ensure that the money will not be overdue next month. This is already a very measured person.

It doesn't matter whether the idea is reasonable or not. The important thing is that I need to survive like this, that's all.

Working hard and earning more money, whether it's moonlight or debt, is ultimately a problem of lack of ability. Maybe when we are strong enough, we are rich enough.

I really hope to have a deposit one day, and I hope I won't live this life again.