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Don't Ignore Common Sense
不要忽視常識
Much heartbreak in the recent past has stemmed from an ignorance of common sense. Fraudsters promising overabundant returns snookered many investors. Some people viewed housing and the stock markets as never-can-lose gambits. Others spent far more than they had.
最近令人心碎的事大部分源于對常識的忽視。騙子承諾的過于豐厚的回報涯騙了很多投資者。有些人認為房市和股市是只賺不賠的買賣，有些人則入不敷出。
Personal finance, at its heart, boils down to common sense. You have to eliminate your high-cost debt and get on a budget. You must save for retirement. And you need to make sure that you own a home you can afford and enjoy, as opposed to seeing it as a get-rich-quick scheme.
個人理財歸根到底是常識的問題。你必須消除高成本負債，進行預算。你必須為退休攢錢。你還要確保自己擁有一座負擔得起、又可以享受的房子，而不是把房子看成是一個一夜暴富的工具。
In short: Be prudent, save money, invest wisely. Getting back to these very basics will help all of us rebuild our portfolios and set sail for a better day.
簡而言之要謹慎、攢錢、明智地投資。回歸這些基本點將幫助我們所有的人重建投資組合，迎接更美好的生活。
