You know, your 30s can be the first time the expensive choices are actually yours to make. The bigger home is within reach, your income is better, and a few people might now count on you.
你知道，你的30多岁可以是第一次那些昂贵的选择真正由你自己来做。更大的房子触手可及，你的收入更高了，而且现在可能有几个人要依靠你。
Every decision looks manageable on its own. Put them together, though, and you can end up earning more while having less room to move. So, these are five choices that decide where the money goes before the next decade even starts.
每个决定单独来看都似乎 manageable。把它们放在一起，不过，你最终可能赚得更多同时可回旋的余地更小。所以，这五个选择将决定在下一个十年开始之前，钱会流向哪里。
Number one, decide how much home your life can carry. A lender might approve you for a home that would leave you with almost nothing left after the bills. The bank is checking whether you can make the payments.
第一，决定你的生活能承载多大的房子。贷款机构可能会批准你购买一套房子这会让你的钱几乎所剩无几在付完账单之后。银行只是在看你能否还得起贷款。
It has no idea whether you want to spend the next 10 years making them. Add up what it actually costs to live there. The loan, the taxes, insurance, building fees, utilities, and an allowance for repairs.
它根本不知道你是否愿意在接下来的10年里一直还贷。把实际住在那里的开销加起来。贷款、税费，保险、物业费，水电费，还有预留的维修费。
The tax bill and the insurance might rise, and you'll eventually have to replace or repair something. Use the total cost when you decide what you can afford. Take a household bringing home $6,000 a month.
税费和保险费可能会上涨，而且你最终总得更换或维修点什么。在决定你能负担什么时，要用总成本来衡量。以一个月税后收入6000美元的家庭为例。
One home might cost $1,800 a month all-in. Another might cost $2,700. That $900 gap is $10,800 over the year. Over 5 years, it's $54,000 before counting any investment returns or changes in costs.
一套房子的每月全部费用可能是1800美元。另一种可能要花费2700美元。这900美元的差距一年下来就是10800美元。5年下来，就是54000美元，还没算上任何投资回报或成本变化。
Now, both homes might be affordable according to the lender, but only one might leave enough room to save, take a career risk, or handle a year that doesn't go to plan. If your work offers a better opportunity in another city, the payment on the larger home might be the reason you can't take it.
现在，根据贷款方的说法，这两套房子可能都负担得起，但只有一套可能留出足够的储蓄空间，承担职业风险，或应对不顺心的一年。如果你的工作在另一个城市提供了更好的机会，较大房子的月供可能就是你无法接受它的原因。
You could sell, of course, but that takes time and money and depends on finding a buyer when you need one. The lower payment would make that move easier because you wouldn't have to first solve the housing problem.
你当然可以卖掉，但这需要时间和金钱，并且取决于在你需要时能否找到买家。较低的付款会让搬家更容易因为你不需要先解决住房问题。
A more expensive place might save hours of commuting, put you near better work, or give your family room it genuinely needs. Paying for all of that can make sense. Paying for extra space on the assumption that another promotion will cover it.
更贵的地方可能会节省数小时的通勤时间，让你靠近更好的工作，或者给家人真正需要的空间。为这一切花钱可能是值得的。为额外空间付费，假设会有另一项促销来覆盖这笔费用。
Well, that's a very different kind of bet. The bill arrives whether the promotion does or not. Estimate how long you expect to stay. Buying, moving, and selling all cost money, so a move after 2 years can eat into any gain in the home's price.
嗯，那是一种截然不同的赌注。无论促销是否到来，账单都会如期而至。估计你预计会住多久。买房、搬家、卖房都要花钱，所以住两年后就搬家，可能会吃掉房价上涨带来的任何收益。
If a new job, a partner, or a family decision might take you somewhere else, flexibility can be worth more than getting the largest home you can finance today. That extra bedroom might look different if paying for it means you can't leave a job that you dislike.
如果一份新工作、伴侣或家庭决定可能让你去别的地方，灵活性可能比今天就买下你能贷款买到的最大房子更有价值。那间多余的卧室可能看起来不一样如果为它付钱意味着你不能辞掉一份你不喜欢的工作。
Then check the budget against a bad year. See whether you could make the payment through 6 months without one income, without selling investments or borrowing for groceries. You don't need to predict exactly what will go wrong.
那就用糟糕年份的情况来核对预算。看看你是否能在没有一份收入的情况下撑过6个月，而不必卖掉投资或借钱买杂货。你不需要准确预测会出什么问题。
No, you need to know whether the home can survive something going wrong at all. Before you choose price, decide what you want to keep possible. A move, a year of lower income, or enough savings to start something of your own.
不，你需要知道这个家能否承受某件事出问题。在你选择价格之前，先决定你想保留哪些可能性。一次搬家，一年的收入减少，或者足够的积蓄来开创自己的事业。
Then look at what's left over after the full housing cost and your normal expenses. The maximum loan is a limit set by a lender. Your own number has to leave room for the life you still want.
然后看看扣除全部住房成本后还剩下什么以及你的日常开支。最高贷款额是贷款机构设定的上限。你自己的数字必须为你仍然想要的生活留出空间。
Now, before moving on to the next one, our very own Alux app can really help you out with number two. Short but impactful daily discussions, expertled courses, and a community to network with other people who are also designing their best life yet.
现在，在继续下一个之前，我们自己的Alux应用真的可以帮你解决第二个问题。简短但有影响力的每日讨论，专家主导的课程，以及一个社区与其他志同道合的人建立联系他们也在设计自己最美好的生活。
Scan that QR code on screen to score 25% off your annual membership. All right, moving on. Number two, decide what happens when you start earning more. Now, the first good pay increase can disappear in three contracts.
扫描屏幕上的二维码即可享受年度会员75折优惠。好的，继续。第二，决定当你开始赚更多钱时会发生什么。现在，第一次不错的加薪可能在三个合同里就消失殆尽。
One for the apartment, one for the car, one for a service you started using because work got busier. A year later, your income is higher and you still have the same amount left or less.
一份用于公寓，一份用于汽车，一份用于因为工作变忙而开始使用的服务。一年后，你的收入更高了，而你剩下的钱却一样多，甚至更少。
Just imagine an extra $1,000 a month in take-home pay. You could send $400 toward a long-term goal. Keep 300 available for emergencies and spend the remaining 300 on a better day-to-day life.
想象一下，每月多出1000美元的税后收入。你可以把400美元用于长期目标。留300美元以备不时之需剩下的300美元花在更美好的日常生活上。
That split is only an example. Choose the split before the new payment quietly takes the whole increase. Check the increase against what actually lands in your account. A $1,000 raise before tax is not $1,000 you can assign to new goals, and a bonus might be smaller after deductions than the number announced at work.
那个分配只是一个例子。在新的付款之前选择分配悄悄拿走全部增加额。检查增加额对照实际到账你账户的金额。税前加薪1000美元，并不意味着你可以把1000美元分配给新的目标，而奖金在扣除各项费用后可能会更少，比公司公布的数额要少。
It's easy to commit the advertised figure and discover later the cash doesn't cover it. A bonus can pay for a holiday. It cannot reliably pay for a car lease for the next four years.
人们很容易按照宣传的数字来做安排，结果后来才发现现金并不够用。奖金可以用来度假。它无法可靠地支付未来四年的汽车租赁费用。
The same goes for a strong freelance month or a temporary run of overtime. Give an increased time to prove it'll keep coming before you turn it into a bill that will keep coming. That might mean keeping the old car for another 6 months while you learn what your new pay looks like across a full year.
自由职业收入丰厚的月份也是如此，或者一段临时的加班期。给它更长的时间来证明它会持续到来，然后你再把它变成一笔会持续到来的账单。这可能意味着把旧车再开6个月同时你了解自己新的薪资在整整一年里的情况。
If the increase is stable, you can still buy the car. Waiting has given you a choice that the lease would have taken away. A car that costs $250 more a month creates $3,000 of extra payments each year.
如果涨薪是稳定的，你仍然可以买车。等待给了你一个选择而租车会夺走这个选择。一辆每月多花250美元的车每年会多出3000美元的付款。
Over 5 years, that's $15,000 in additional payments before changes in insurance or upkeep. You might still want that car. Decide whether you want it more than one of the other things that $15,000 could buy because the payment, well, it lasts a lot longer than the feeling of driving it home for the first time.
5年下来，就是多付15000美元，这还不算保险或保养费用的变化。你可能仍然想要那辆车。决定你是否想要它胜过其他东西中的一件那15000美元可以买到的因为这笔付款，嗯，它持续的时间比第一次开车回家的感觉要长得多。
If you want the upgrade, choose it with the 5-year figure in front of you. If you would rather use that amount for a home deposit, time away from work, or an investment goal, the older car is doing a good enough job for you.
如果你想要升级，在你面前有5年数字的情况下选择它。如果你宁愿把那笔钱用于房屋首付，离开工作的时间，或投资目标，那辆旧车对你来说已经足够好了。
It's a trade between things you want at different times. A shorter commute, help with child care, or better equipment for your work could be worth far more to you than a slightly nicer car.
这是在你想在不同时间获得的东西之间进行交换。更短的通勤时间，育儿方面的帮助，或者更好的工作设备对你来说，可能远比一辆稍微好一点的车更有价值。
Spend more where you'll actually feel the difference. Watch the commitments that keep charging you after the novelty is gone. A dinner is paid for once. A lease or membership has already claimed part of next month's income.
在你真正能感受到差异的地方多花些钱。留意那些新鲜感消失后仍在持续扣费的承诺。一顿晚餐付一次钱。而一份租约或会员资格已经预先占用了下个月的一部分收入。
When the house, car, child care, and routine spending all rise together, a better salary might leave you unable to take a lower paying job that you would actually prefer. That's the cost people notice late.
当房子、车子、育儿和日常开销全都一起上涨时，更高的薪水可能会让你无法接受一份薪水更低但你其实更想要的工作。这就是人们很晚才注意到的代价。
Set aside some of the increase while it's still an increase and choose the new bill that genuinely earns its place. Number three, decide whether your work still has room to grow. Look 5 years ead at your work.
趁收入还在增加时，留出一部分涨幅并选择那个真正值得占据一席之地的新账单。第三，判断你的工作是否还有成长空间。把目光放到五年后，看看你的工作。
If the job is still the same, there might be no reason for anyone to pay you much more to do it. Years of experience help when they let you handle work that is harder to replace. Say you manage customer requests all day and have become fast at closing them.
如果这份工作还是老样子，那可能就没有理由让别人为做这件事付你更多钱。多年的经验在让你处理工作时会有所帮助而这些工作更难被取代。假设你整天管理客户请求并且已经能够快速结案。
Your company also struggles to keep its largest clients after renewal. If you learn why those clients leave, lead a project that reduces the losses, and keep a record of the result, your work is easier to explain to a better employer or client.
你的公司也难以留住最大的客户在续约之后。如果你了解那些客户为什么离开，牵头一个减少损失的项目，并记录下结果，你的工作就更容易向更好的雇主或客户解释。
You could point to a result the next employer actually cares about rather than just another year on your resume. You would also learn whether you like the harder work or not. A promotion that pays more can come with a type of responsibility you never wanted.
你可以指出一项成果，下一个雇主真正关心的成果，而不只是简历上又多了一年。你还会了解到自己是否喜欢更艰难的工作。薪酬更高的晋升可能伴随着一种你从未想要的责任。你从未想要的责任。
So, it helps to try out some of the work before you build your whole plan around getting the title. Find jobs one level above yours. Read what they ask for and what they pay in your market.
所以，在把整个计划建立在获得这个头衔之前，先尝试一下部分工作会有所帮助。寻找比你高一级的职位。了解他们需要什么，以及在你的市场上愿意支付多少。
If you work for yourself, look at the projects that pay well and ask why buyers choose those providers. Maybe you need a license, a portfolio, or experience leading a certain kind of project.
如果你是自由职业者，看看那些报酬丰厚的项目并问问为什么买家会选择那些服务商。也许你需要一张执照，一份作品集，或领导某类项目的经验。
Maybe the roles above yours barely pay more, which tells you something important about the path you're on. Do this with several openings because one company can pay unusually well or poorly.
也许比你高一级的职位薪水只多一点点，这告诉了你关于你所走道路的重要信息。对几个职位空缺都这样做，因为一家公司可能支付异常高或低的薪酬。
Ask what people in those roles spend their days doing. A higher salary attached to more hours, constant travel, or a move you don't want to make might not improve your life by as much as the number suggests it would.
问问那些职位上的人每天在做什么。更高的薪水伴随着更长的工作时间，频繁出差，或者一次你并不想进行的搬迁可能并不会改善你的生活达到数字所暗示的那种程度。
Changing fields could mean giving up seniority or taking a temporary pay cut. So, test out the move before making it. Ask for one harder project where you are. If your employer will not give you the chance, build a small body of work outside of the job.
转换领域可能意味着放弃资历或接受暂时的降薪。所以，在做出改变之前先试一试。在你目前的岗位上主动争取一个更有挑战性的项目。如果你的雇主不给你这个机会，就在工作之外自己积累一些作品。
Talk to people already in the role before you pay for a course and check that employers actually ask for the qualification on offer. If the missing piece is proof a completed project might do more for you than another certificate.
在你花钱报课程之前，先和已经从事该岗位的人聊聊，并核实雇主确实要求课程所提供的这项资质。如果缺失的那部分是证明一个完成的项目可能比另一张证书对你更有帮助。
If the role legally requires a license, no amount of informal practice will replace it. Look at real job requirements before spending the money. You may already work with valuable clients or a manager who can put you on that path.
如果该职位在法律上要求执照，再多的非正式实践也无法替代它。在花钱之前，先看看真实的工作要求。你可能已经在与有价值的客户合作或者有一位能让你走上那条路的经理。
In that case, you need a specific next step, such as running three projects of a certain size, rather than waiting for hard work to be noticed. Check the direction before the job becomes unbearable.
在这种情况下，你需要一个具体的下一步，比如运营三个特定规模的项目，而不是等待努力工作被人注意到。在工作变得难以忍受之前，先检查方向。
It's easier to take a class, move teams, or look at the market while you still have a salary and the energy to choose carefully. You might decide to stay exactly where you are, but at least you'll know what the alternatives pay and what you would have to give up to take them.
参加一门课程，换个团队，或者看看市场行情，趁你还有薪水，还有精力去仔细选择的时候。你可能会决定就留在原地，但至少你会知道其他选择能给你多少钱，以及要接受它们你需要放弃什么。
That information can make the next conversation with your employer much more specific. The date you need your money changes what you can afford to do with it. A home deposit due next year and savings for your old age shouldn't have the same plan.
这些信息可以让下一次对话与你的雇主更加具体。你需要用钱的日期会变你能用这笔钱做什么。明年到期的购房首付和养老储蓄不应该采用同样的计划。
Say you've got $20,000 saved for a deposit you expect to use in 18 months. If you invest the entire amount and its value falls while you find the home, you might have to sell at a loss or miss the purchase.
假设你存了20,000美元用于你预计18个月后使用的首付。如果你把全部资金都投入其中而在你找房期间其价值下跌，你可能不得不亏本卖出，或错过这次购房。
The investment might recover later on, but your seller is not going to wait for that. Money you need soon has to be available on your schedule. Even a modest fall would matter here.
这笔投资之后可能会回升，但卖家不会为此等待。你很快需要的钱必须能按你的时间安排随时取用。在这里，即使是小幅下跌也会产生重大影响。
If $20,000 became $17,000 at the moment the deposit was due, you would have to find another $3,000 or choose a different home. There's no way to know what the investment will do next year.
如果20,000美元在存款到期时变成了17,000美元，你就得再凑出3,000美元或者另选一套房子。明年这项投资会怎样，无从知晓。
And the deposit has a date attached to it. But money you will not need for another 30 years, that is a different story. Keeping all of it in cash might feel calm, but it means you're counting mostly on future pay to build the balance.
而且这笔存款还附带了一个日期。但你这笔钱在未来30年内都不会用到，那就是另一回事了。把全部资金都以现金形式持有可能会让人感到安心，但这意味着你主要是在指望未来的收入来积累余额。
Investing carries risk, yes, and growth is never promised. But having decades before the money is needed gives you more time to recover from a bad period without being forced to sell for next month's bills.
投资有风险，是的，而且增长从来都没有保证。但在需要用钱之前还有几十年的时间让你有更多时间从糟糕的时期中恢复过来而不必为了下个月的账单被迫卖出。
The mix of cash and investments has to fit both the time you have and the risk you can live with. Then there's money with no set date at all, your emergency reserve. A car repair or a month without work can arrive at the worst possible time for your investments.
现金和投资的组合必须匹配你拥有的时间以及你能承受的风险。还有一种完全没有设定日期的钱，你的应急储备金。一次汽车维修或一个月没有工作可能会在你投资的最糟糕的时机到来。
Cash you can reach means you can pay the bill without selling something meant for 10 years from now. That keeps one bad month from turning into a hurried sale or a new debt. How much to hold depends on the bills you must cover and how steady your income is.
能随时取用的现金意味着你能付账单而无需卖掉本为10年后准备的东西。这样可以避免因一个糟糕的月份而仓促出售或背上新的债务。需要预留多少取决于你必须支付的账单以及你的收入有多稳定。
A freelancer supporting children might need a larger cushion than someone with stable pay and few fixed costs. The reserve can be smaller or larger as your life changes. If you've just taken on a mortgage, a child, or a business with slowpaying clients, the amount that helped you to sleep last year might no longer cover much time.
一个需要抚养孩子的自由职业者可能比收入稳定且固定开支少的人需要更大的缓冲资金。储备金可以随着你生活的变化而增减。如果你刚刚背负了房贷，有了孩子，或做起了客户付款缓慢的生意，去年能让你安心的那笔钱可能已经撑不了多久了。
If a major expense has already passed, some of that money might have a different job again. You don't need an elaborate system of accounts. No, you need to know which money has a near date, which money might be called on without warning, and which money can be left alone.
如果一笔大额开销已经过去，其中一些钱可能又要承担不同的用途了。你不需要一套复杂的账户体系。不，你需要知道哪些钱有临近的期限，哪些钱可能毫无预警地就要被调用，以及哪些钱可以放着不动。
The right accounts might depend on where you live and what's available to you. Keep the purpose clear so a good opportunity or a bad month doesn't raid every other plan. This is especially useful when a big purchase is close.
合适的账户可能取决于你住在哪里以及你能获得什么。保持目标明确，这样好机会或糟糕的月份就不会打乱其他所有计划。当一大笔消费临近时，这尤其有用。
Saving for it can look like a pause in your investment progress, but you're putting money aside for a purchase you already plan to make so you can pay for it without selling an investment at the wrong time.
为此存钱可能看起来像是投资进程中的暂停，但你是在把钱存起来，用于你已计划进行的购买，这样你就能付得起，而无需在错误的时机卖掉投资。
So review those choices when the dates change. A deposit that was 5 years away might be needed next year. A cash reserve that covered your bills when you lived alone might no longer cover the household you have now.
所以当日期变化时，要重新审视这些选择。原本五年后才需要的存款，可能明年就需要了。一笔足以支付你账单的现金储备，在你独居时或许够用，但现在可能无法覆盖你目前的家庭开销。
Moving money between those purposes is part of the decision. Even when your total savings haven't changed, you can revisit it once or twice a year or whenever a job, home, or family situation changes.
在这些用途之间调配资金也是决策的一部分。即使你的总储蓄没有变化，你也可以每年重新审视一两次，或者每当工作、住房或家庭状况发生变化时。
This takes far less effort than recovering from a purchase that arrived at the wrong time for your money. And number five, decide what your money has to protect. Now, if someone else relies on your income, losing it becomes their problem as well.
这比从一次购买中恢复所花费的精力要少得多，因为那次购买对你的资金来说时机不对。第五，确定你的钱必须保护什么。现在，如果别人依赖你的收入，失去收入也会成为他们的问题。
That could be a child, a partner who earns less, a parent you help to support, or a business with staff to pay. The bills tied to these things won't stop just because your income does.
那可能是一个孩子，一个收入较少的伴侣，一个你帮助赡养的父母，或者一个有员工要付薪水的企业。与这些相关的账单不会仅仅因为你的收入停止而停止。
So, write down the expenses that would continue if your pay stopped and how long available cash could cover them. A single person with no dependence will get a very different answer from a parent whose income carries the household.
所以，写下那些会继续产生的开支如果你的工资停了以及可用现金能覆盖它们多久。一个没有依赖的单身人士会得到一个非常不同的答案与一个收入支撑全家的父母相比。
There can also be obligations that are easy to overlook because they don't arrive as a bill. If one partner does most of the child care or looks after an older parent, replacing that work could cost money, even if that person's paycheck was small.
还有一些义务很容易被忽视因为它们不会以账单的形式出现。如果一方承担了大部分育儿工作或者照顾年迈的父母，替代这项工作可能会花钱，即使那个人的薪水很少。
The household relies on their time as well as their income. Put the monthly essentials beside the cash and benefits your family could actually use. See what happens after 1 month, 3 months, and a year without your usual income.
家庭既依赖他们的时间，也依赖他们的收入。把每月必需品开支和现金放在一起以及你的家人真正能用得上的福利。看看1个月后会发生什么，3个月后，以及一年没有你平常收入后会怎样。
If a large gap opens up, you can build more reserves, reduce a fixed cost, or look at insurance for a risk you cannot comfortably carry yourself. Run the same exercise for both partners rather than assuming the higher earner is the only person whose absence would be expensive.
如果出现很大的缺口，你可以建立更多储备，削减一项固定成本，或者针对你无法轻松独自承担的风险考虑保险。对双方进行同样的评估而不是假设收入更高的人是唯一其缺席会带来高昂代价的人。
A family might be able to cover the rent after losing one income and still struggle to replace the care that the person provided every day. If others would lose the income you provide, life insurance is one option to examine.
一个家庭也许能在失去一份收入后付得起房租，却仍难以替代那个人每天提供的照护。如果他人会因失去你提供的收入而受损，人寿保险是一个可以考虑的选择。
Work out what would still need paying, such as family expenses, education, or a mortgage. Subtract savings and other support before you decide what gap remains. Also, look at what would happen if you stayed alive but couldn't work for a long period.
算出还需要支付哪些费用，比如家庭开支、教育费用或房贷。减去储蓄和其他支持，然后再确定还差多少。此外，还要考虑如果你还活着，但长期无法工作，会有什么后果。
Coverage for illness or disability differs by country and policy, and the exclusions matter as much as the headline amount. It's worth checking what protection already comes through work before buying anything else.
疾病或残疾的承保范围因国家和保单而异，而且除外责任与标题金额同样重要。在购买其他任何东西之前，值得先查看工作已经提供了哪些保障。
Employer benefits might help, but you also need to know what happens if you change jobs or stop working there. The policy you think you have and the policy that would actually pay can be two very different things.
雇主福利可能有帮助，但你也需要知道会发生什么，如果你换工作或停止在那里工作。你以为自己拥有的保单和真正能赔付的保单可能是两回事。
And there's another risk couples often create without even noticing. One person pauses work to care for a child or follows the other to a new city. The household might look financially stronger if the working partner earns more, while the person who paused has lost savings and time in their own career.
夫妻还常常会制造另一种风险，甚至自己都没注意到。一方暂停工作去照顾孩子，或者跟随另一方搬到新的城市。这个家庭在财务上可能看起来更宽裕如果工作的伴侣收入更高，而暂停工作的人则失去了积蓄以及在自己职业上的时间。
Both should understand what they own, what they owe, and how they would handle a change in the other person's income. Make a simple record of accounts, bills, policies, and where the documents are kept so the whole plan doesn't live in one person's head.
双方都应该了解自己拥有什么，欠了什么，以及如果另一方的收入发生变化他们将如何应对。做一个简单的账目记录，账单、保单以及文件存放位置这样整个计划就不会只装在一个人的脑子里。
The record should be accessible to the right person without leaving passwords or private documents in the open. If the person who normally handles the money is suddenly unavailable, somebody else should be able to keep the bills paid.
这份记录应该让合适的人能够查看，同时不会把密码或私人文件暴露在外。如果平时管钱的人突然联系不上，其他人也应该能够让账单按时付清。
You don't need every insurance policy on offer. No, you need enough cash and coverage for the obligations that would be hardest for your household to keep going without you. These choices can come in any order, aluxer.
你不需要购买所有提供的保险。不，你需要足够的现金和保障来应对那些在你不在后对你的家庭来说最难维持的财务责任。这些选择可以按任何顺序进行，aluxer。
You might change jobs before buying a home or become responsible for somebody else before your income rises. So work out what each commitment will demand from the next one and then leave yourself room to change the plan when life changes.
你可能会在买房前换工作或者承担起对别人的责任在你的收入增加之前。所以要弄清楚每一项承诺需要什么从下一项开始然后给自己留出改变计划的空间当生活发生变化时。
All right, that's a wrap for today, Luxer. We'll see you back here next time. Until then, take care.
好了，今天就到这里，Luxer。我们下次再见。在那之前，保重。
