Curb spending? Cut debt? Make more and boost savings?

抑制消费? 削减债务? 赚更多的钱，增加储蓄?

You’re likely to ditch the plan.

你可能会放弃这个计划。

Money helps mitigate uncertainty like emergencises, job losee or illness. Hence the desire for rainy day funds and insurances.

金钱有助于减轻诸如紧急情况、失业或疾病等不确定性。因此，人们需要未雨绸缪的资金和保险。