Smith: Supposing your salary is 4,000 yuan a month, how will you spend it?
史密斯：假设你现在的月薪是4000元，你会怎么花？
Li Tian: It's a very practical question.
李甜：这是一个非常现实的问题。
Smith: Yes.
史密斯：是的。
Li Tian: First of all, I'll pay off my rent, bills and set aside enough money for meals.
李甜：首先，我会先交清我的租金、账单并留出足够的钱给我的三餐。
Smith: OK.
史密斯：好的。
Li Tian: The rest of money will be used to invest in stock markets or other financial products.
李甜：我会拿剩下的钱去投资股票或者其他理财产品。
Smith: How do you make sure that you won't spend too much on personal enjoyment?
史密斯：你怎么保证你不会在个人享受上面花太多钱？
Li Tian: I have a day-to-day account and budget at the beginning of every month.
李甜：我有一个流水账，在月初的时候会做预算。
Smith: OK.
史密斯：好的。
Li Tian: And I'll compare the actual expenses with the budget to find out the reasons at the end of each month.
李甜：然后我会在月末的时候比较实际支出和预算，找出原因。