每日钉一下（如何克服当下的享乐偏好，做到理性消费？）

Group 1 - The article discusses the importance of overcoming present bias in financial decision-making, which leads to irrational spending and hinders savings and investments [7][8] - It highlights that recognizing this bias is the first step towards improvement, and suggests methods to implement self-restraint [8][19] - The article introduces the concept of passive self-restraint through systems like pensions, which ensure a basic quality of life in retirement despite low returns [10][11][12] Group 2 - It presents dollar-cost averaging (DCA) as a self-restraint method that helps investors accumulate assets over time, similar to a forced savings mechanism [13][14][16] - Additional tips for managing present bias include weekly allowances for children, cautious use of credit cards, maintaining a budget, and linking spending to investment [18][19] - The overall message encourages individuals to be both rational consumers and patient investors, emphasizing the need for awareness of one's spending habits [19]