If you want to live a carefree life, don't let your expenses exceed your income. For example, my monthly income is 8,000 yuan, 4,000 yuan is used to pay off the mortgage, and the remaining 1 1,000 yuan is used to pay for the necessary expenses such as water, electricity and natural gas, and the remaining 3,000 yuan is used to meet the daily necessities and vinegar tea, excluding the household expenses of 2,000 yuan (fourth-tier cities), and the balance is 1 1,000 yuan.

Therefore, even if I live in a fourth-tier city, I dare not have entertainment activities, and I dare not have extra luxury hobbies. Everything in life is about making more money and spending less. If you don't have a certain amount of savings before the age of 40, your parents will be older, your children will grow up and there will be more and more places to spend money.

Although there are many channels to borrow money now, the interest is also considerable. So, what kind of income do you have, try not to let consumption exceed income, and don't overdraw income unless you have great confidence in the future.