Group 1 - The article discusses the lack of financial awareness and responsibility within a family, particularly focusing on the author's sister-in-law's spending habits and the influence of family upbringing on financial behavior [4][5][6][10]. - It highlights that the father of the author's sister-in-law is disinterested in family finances, which has contributed to a lack of financial literacy among the children [7][9][10]. - The author notes that discussions about frugality and financial planning are absent in family conversations, leading to a culture of excessive spending and a lack of critical evaluation of purchases [21][22][24]. Group 2 - The article points out that the culture of consumerism in Germany encourages young people to live in the moment, often leading to financial difficulties due to easy access to loans and credit [36][56]. - It explains how the structure of loans, particularly in housing, can create a false sense of affordability, resulting in significant financial burdens later on [48][50]. - The author emphasizes that without financial education and awareness, individuals are prone to falling into debt traps created by a consumer-driven society [60][61]. Group 3 - The article contrasts the financial attitudes of different generations, noting that older generations often emphasize frugality and saving, while younger generations may prioritize immediate gratification [61][72]. - It suggests that traditional values of hard work and saving can lead to financial success, as seen in the experiences of the author's family [70][71]. - The author concludes that a balanced approach to spending and saving is essential, advocating for enjoying life while also being mindful of financial responsibilities [73][74].

有一个成熟的消费观，你就不容易被人带节奏，你所有的损失都会在可控的范围之内，你所 有的损失都是可预期的。 作者：今纶 最近小米的负面新闻不断，挑两件事来说，同时聊一下我的消费观，让大家不至于去踩坑。 第一个事，就是小米SU7说自己的最大马力是1548匹马力，大家赶紧来买，有些人就下了单了。结果最 近小米说，现在把SU7的这个最大马力暂时锁定一下，买家只能使用900匹马力，如果达到了某个赛道 成绩之后，就可以解锁这个900匹马力。 那很多下了单的人就不干啦：小米怎么能这样呢？我买的时候是1548匹马力，结果你给了我900匹马 力，那中间差价你退吗？ 所以小米这个事，处理起来也比较被动。 第二件事情，就是SU7的碳纤维双风道前舱盖引发了争议。有一些汽车博主去拆解这个舱盖，结果发现 风道很小，而且风道没有跟这个散热系统相连接，那他们就不干了。 然后还有些好事之徒去测了一下成本，说这个成本也就1万元，结果小米卖了4.2万。 这两单新闻对于小米和雷军来说，其实压力是比较大的。我其实无意于批评小米以及雷军，我认为这个 品牌当然有它的可取之处，我也尊重所有人去买小米的任何产品。 我想谈谈我自己的消费观，希望给大家做一个参考 ...