QA：你见过的最大的浪费是什么？

Ahmed
Mohammed Bin Salmam is the crown prince of Saudi Arabia. He amazes people with his lifestyle.
Saudi Arabia Prince bought plane tickets for his 80 hawks.His 500 Million dollars yachtHis $300 million dollars Chateau Louis XIVHis $450 million dollars Leonardo da Vinci painting.I can’t think otherwise…this is wastage.

穆罕默德·本·萨勒曼是沙特阿拉伯的王储。他的生活方式让人们惊叹不已。

沙特阿拉伯王子为他的80个鹰派买了机票。

他价值 5 亿美元的游艇

他价值 3 亿美元的路易十四城堡
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他价值 4.5 亿美元的达芬奇画作。

我不敢想象……这是就是浪费吧。

Forrest Taylor
Twenty years ago, the United States came to Afghanistan because of the problem of extremist groups, paying countless costs and spending up to $2.3 trillion to try to solve the problem of extremist groups completely. But after that, Afghanistan was once again in the hands of extremist groups and it was all back to square one.This 20-year military and security operation has cost untold lives, livelihoods and money. More than 2,300 U.S. soldiers have been killed in action, more than 20,000 have been wounded, and more than 450 British and hundreds of others have lost their lives. More than 60,000 Afghans have lost their lives as members of the security forces, and almost twice that number of Afghan civilians have died.

二十年前，美国因极端组织问题来到阿富汗，付出无数代价，花费高达2.3万亿美元，试图彻底解决极端组织问题。但在那之后，阿富汗又一次落入了极端组织的手中，一切又回到了原点。
这场长达 20 年的军事和安全行动付出了无数人的生命、生计和金钱。超过2300名美国士兵在行动中阵亡，超过20000人受伤，超过450名英国士兵和数百其他国家的士兵丧生。作为安全部队的成员，已有6万多名阿富汗人丧生，阿富汗平民的死亡人数几乎是这个数字的两倍。

Price Gelenn
Weddings.Averagely weddings cost about $30000, mostly because of a bunch of unnecessary bills like A big, long guest list, Food for your long guest list and fancy wedding invitations, Wedding favors naming just a few. some even hire bridesmaids, the cost and commitment required for weddings nowadays is just ridiculous.I think the wedding industry is so out of control these days, lots of brides feel like they need every little extra to make their big day complete. And couples wind up paying for a bunch of stuff that they don't care about—or even want—just because every wedding magazine (or blog!) makes silly things seem like must-haves.

婚礼的平均费用约为3万美元，主要是因为一大堆不必要的账单，比如一份长长的宾客名单、食物和花哨的婚礼请柬、婚礼礼物等。有些人甚至聘请伴娘，如今婚礼所需的成本和花销简直是荒谬的。
我认为如今的婚礼行业已经失控了，许多新娘觉得她们需要更多的钱来完成她们的大日子。情侣们最终不得不为一堆他们不关心甚至不想要的东西买单。

Anonymous
I was a cocaine addict so my answer would be: “shoved £20k’s worth of cocaine up my nose in a year”The really tragic thing is that now aged 30, I still don’t own a house, I hate my job and have nothing to show for working for 10 years full time. I’ve paid off my debts but I have no savings.At the time I was driving around in a hybrid audi company car, shagging hookers and generally getting up to all kinds of mischief. God only knows how much I spend on coke until I quit but I probably could of bought a flat in London with that amount, with no mortgage.I’m currently looking at jobs at train stations as my mental health has deteriorated and I think I would be happier doing something with no responsibility.

我是一个可卡因成瘾者，所以我的回答是：“在一年之内，我往自己鼻子里塞进了价值 2 万英镑的可卡因”真正悲惨的是，我现在30岁了，仍然没有房子，我讨厌我的工作，工作10年没有任何突出表现。
我已经还清了债务，但我没有积蓄。以前的我开着一辆混合动力的奥迪四处游荡，和妓女打交道，并且到处进行各种恶作剧。只有天知道我在可卡因上花了多少钱，用这些钱我可能可以在伦敦买一套公寓，而且没有抵押贷款。由于我的心理健康状况恶化，我目前只能在火车站寻找工作，我想我将更乐意做一些不用负责的事情。

Eric Nyaga
A Kenyan university student received 80,000 KES from his peasant parents for college fees. He came up with a plan to engage in sport-betting with the intention to quadruple the amount. It was during the last European Premier League. He had this confidence that there was no way his team was going to lose. As fate would have it, his team lost therefore losing the bet. They young man unable to cope with the loss took his own life.

一名肯尼亚大学生从他的农民父母那里收到了八万肯尼亚先令作为大学学费。他想出了一项参与体育博彩的计划，目的是将这些钱翻两番。
那是在上一届欧洲超级联赛，他有信心，认为他的球队不会输。造化弄人，他的球队输了，因此输掉了赌注，这位年轻人无法应付这种损失，结束了自己的生命。

Thamer R. Alhajri
One of my distance relatives have a bad habit of spending a load crap of money on seriously unnecessary stuff.One time, in a very hot summer in Saudi Arabia they decide to sell one of thier lands they own to go for a trip to Europe.In a very shaky economy of 2015 in Saudi Arabia this considered to be one of the worst decision you can ever make as a reasonably wealthy family. Which i am certain if they are going to keep doing this they will be out of cash by the next 2 years.You'll be asking “how do you know what's their wealth status?” Because i work as a fix assest manager and their land was managed by me, which i was trying to convince them it would be the worst idea to waste such a great piece of land in a shaky economy.I was devastated to not have the ability to buy it.Moral of the story: Never sell a land for your own personal consumption
Please share you thoughs about this.

我的一个远房亲戚有一个坏习惯，就是把一大笔钱花在非常不必要的东西上。
有一次，在沙特阿拉伯一个非常炎热的夏天，他们决定卖掉他们拥有的一块土地去欧洲旅行。
在2015年沙特阿拉伯经济非常不稳定的情况下，这被认为是作为一个相当富裕的家庭所能做出的最糟糕的决定之一。
我敢肯定，如果他们继续这样做，他们将在未来两年内破产。你会问“你怎么知道他们的财富状况？” 因为我是一名固定资产经理，他们的土地由我管理，我还试图说服他们在不稳定的经济中浪费这么大一块土地是最糟糕的主意。我很沮丧，因为自己没有能力购买这块土地。
这告诉我们：永远不要为了个人消费而出售土地。

Himanshu
Getting drunk and Addiction to smoking.Money spent on these stuffs is unappropriate and dangerous to well beings for their health and hygiene.Mostly youths are addicted to them.Instead, one can utilize and spend money on，Healthy Food.Books and novels.TravellingThese will upgrade you a lot.

酗酒和吸烟。
花在这些东西上的钱对人们的健康和卫生来说是不恰当和危险的。
大多数年轻人对它们上瘾。
相反，人们可以把钱花在：健康食品、书籍和小说、旅行。
这些会让你有很大提升。
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Pat Nolan
I’m 64, and of course, I’ve made my share of bad decisions. You will too given time. Be able to look at what you do, admit when you do the wrong thing, don’t make a habit of doing the wrong thing, and don’t let finances rule your life.Finances, at their best, allow us to do what’s important. Thinking that money is more important than everything else is the wrong road to follow.(To directly answer your question…my worst financial decision was listening to a stockbroker and buying shares in a company called Corvus. This was a long time ago. There is actually now another company by that name that I know nothing about. Anyway, the company went bankrupt a week after I bought the stock. I no longer listen to stockbrokers.)

我 64 岁了，当然，我也做出过一些错误的决定。
你也会给时间，来审视自己的所作所为，承认自己做错了事，不要养成继续做错事的习惯，也不要让财务问题主宰你的生活，好的财务状况使我们能够做重要的事情，认为金钱比一切都重要是错误的想法。
（现在回答你的问题……我最糟糕的财务决定是听取股票经纪人的意见并购买一家名为 Corvus 的公司的股票，这是很久以前的事了。实际上现在还有另一家公司叫这个名字，我一无所知，无论如何，我买了股票一周后公司就破产了，现在我不再听股票经纪人的。）

Kirk Koster
The largest waste of money I have seen first hand is government grants every where from core of engineers to water and wastewater utilities to treatment plants. The engineers do over kill on the plans and specks they usually make a percentage of what the contract is so more the job cost the more they make . The government needs engineers to be overlooking overlooking the company engineers plans and speck books before they go out for bids . They could save the tax payers any where from 40 to 60 percent of what the jobs cost to keep them from over spending on these jobs .

我亲眼目睹的最大浪费是政府拨款，从核心工程师到供水和污水处理设施再到处理厂。工程师们在计划和细节上做得太过分了，他们通常按照合同的百分比来做，所以他们做的越多，工作成本就越高。政府需要工程师在他们出去投标之前查看计划书，这样他们可以为纳税人节省40%到60%的成本，以防止他们在这些工作上过度支出。

Pete Moss
Two of the worst financial decisions people make are (1) not saving for retirement (and other necessities) and, (2) once they start saving and open a brokerage account, they try to time the market when buying and selling and/or they buy stocks on tips.Saving for retirement is mandatory. If everyone saved and invested those savings, over their 40 years of work, a great majority of people would have enough money to live comfortably throughout their retirement years.But before saving for retirement, first you need to have money set aside for emergencies, such as times when you may not be employed.
If you have no or little savings, the first thing to do is start using discretionary income (What Is Discretionary Income?) to save for a “rainy day” fund. A good place to start is to have at least 60 days of savings. In most economies, 60 days is enough time to find new employment. When you are unemployed, you should be reducing your expenses to that 60 days of savings can be extended.After you start setting aside money for “rainy day” events, at least 10% of your gross income should be put into a retirement account. Next, open savings accounts at your bank that should be set up for specific future expenses such as the cost of owning and maintaining your car and your home. Each month, a predetermined portion of your income should automatically go into each of those accounts.If you are not able to save because you are spending all your income on necessities, take on a second job. Also, find ways to make yourself more valuable in the workforce so you increase your pay.If you live in an expensive area, move to a region of the country or an area in your state that has a lower cost of living relative to pay.
I live in the SF Bay Area where it is difficult for many people to save because the cost of living is high. There are people who complain that the high cost of housing is caused by inadequate housing. They are absolutely correct. It is something we are taught in Economics 101. But the lack of housing isn’t going to be fixed any time soon and complaining about it doesn’t help your finances.Nevertheless, those same people who complain about housing prices continue to live here. Rents can make up nearly 50% (sometimes more) of their their income. If it isn’t absolutely necessary to live here, then move. That goes for other cities where the cost of living is high.

人们做出的两个最糟糕的财务决策有：(1) 不为退休储蓄，(2) 一旦有了积蓄，他们就会尝试把握市场时机，或者购买朋友推荐的股票或每月时事通讯的股票。
为退休储蓄是强制性的，如果每个人都储蓄并投资这些储蓄，在他们 40 年的工作中，绝大多数人将有足够的钱在退休后过上舒适的生活，但在为退休储蓄之前，您首先需要为紧急情况留出资金，例如您可能无法工作的时候。如果您没有或几乎没有储蓄，首先要做的是开始使用可支配收入，以备不时之需。一个好的开始是至少有60天的储蓄。在大多数经济体中，60 天足以找到新工作，当您失业时，您应该减少开支，以便可以延长60天的储蓄。
您至少应将总收入的 10% 存入退休账户。接下来，在您的银行开设储蓄账户，用于支付未来的特定费用，例如拥有和维护汽车和房屋的费用，每个月，您收入的预定部分应自动进入相应帐户。如果您因为将所有收入都花在生活必需品上而无法储蓄，请试着找第二份工作，此外，想办法让自己在劳动力中更有价值，从而增加工资。如果您居住地区开销很大，请搬到该国的某个地区或您所在州的生活成本相对较低的地区。
我住在SF湾区，因为生活成本高，很多人都很难存钱。有人抱怨住房成本高是因为住房不足。他们是对的，这是我们在经济学中学到的东西，但住房短缺不会很快得到解决，抱怨它对您的财务没有帮助。尽管如此，那些抱怨房价的人继续住在这里。租金可占其收入的近 50%（有时甚至更多），如果不是绝对有必要住在这里，那就搬家吧，其他生活成本高的城市也是如此。

Some people do not want to move because they like where they live and are willing to have a large share of their income go toward housing and there are others think they are entitled to live in high cost areas of the country. That’s fine. But they will probably not have any savings when they get to retirement age and will end up suffering because of it.And there are others who live here that, even if rents are only making up 25–35% of their income, they still aren’t saving. Likely most of them are spending too much money on luxury goods. I see people who spend a great deal of money on expensive vehicles through high cost leases or they buy them with long term loans. They also spend too much money on clothes, electronic equipment and other luxury items or they continually eat out buying expensive foods/alcohol or going on lavish vacations though they barely have enough income to afford that lifestyle.The second financial mistake is, once they have savings, they try to time markets or they buy stocks that are recommended by friends or from stock of the month newsletters.
On Wall Street, there are extremely bright people who, with their teams of other smart people, spend 100’s of hours a week researching companies to try to beat the market. Yet, studies show that 99% of these financially intelligent people DO NOT consistently beat the market over time. Throughout history, there have only been a handful of people who have been shrewd enough to do better than the S&P 500. The chances of you beating the market by buying and selling specific stocks over time is zero.You only need to match the S&P 500 to do very well over time. Historically, the stock market has averaged 8–10% (depending on the length of time you are invested and whether dividends are reinvested). Inflation has averaged just over 2%. Over the course of 30–40 years, you will do very well investing your savings only in the S&P 500.
To invest in the S&P is very easy. Open an account at a discount brokerage and invest in a low cost exchange traded fund (ETF) that mimics the S&P 500. Some financial institutions, like Charles Schwab and Vanguard offer the lowest cost funds. (Do your research because the fees financial institutions charge frequently change.)
Once you begin investing, dollar cost average (How to Use Dollar-Cost Averaging to Build Wealth Over Time) your savings into one of these ETF’s. Make sure you are consistently adding to your account and DO NOT try to time the market. Though some investors have done quite well in the short term getting in near the bottom and out at the top, NOBODY has ever been able to consistently time the market.

有些人不想搬家，因为他们喜欢他们住的地方，并愿意将大部分收入用于住房，还有一些人认为他们有权住在该国的高成本地区。没关系，但是当他们到了退休年龄时，他们可能没有任何积蓄，最终会因此而受苦。还有一些住在这里的人，即使租金只占他们收入的 25-35%，他们仍然没有储蓄。他们中的大多数人可能在奢侈品上花了太多钱。我看到人们通过高成本租赁或长期贷款购买昂贵的车辆。他们还在衣服、电子设备和其他奢侈品上花太多钱，或者他们不断外出就餐，购买昂贵的食物/酒精或度过奢侈的假期，尽管他们几乎没有足够的收入来负担这种生活方式。
第二个财务错误是，一旦有了积蓄，他们就会尝试把握市场时机，或者购买朋友推荐的股票或每月时事通讯的股票。在华尔街，有非常聪明的人，他们和他们的其他聪明人团队，每周花 100 多个小时研究公司，试图击败市场。然而，研究表明，随着时间的推移，这些财务聪明的人中有 99% 不会一直跑赢市场。纵观历史，只有少数人足够精明，随着时间的推移，您通过买卖特定股票来击败市场的机会为零。
从历史上看，股票市场平均增长为 8-10%（取决于您投资的时间长短以及股息是否再投资）。平均通货膨胀率略高于 2%。在 30 到 40 年的时间里，您将储蓄仅投资于标准普尔指数好的地方。一旦你开始投资，确保您一直把收入添加到您的帐户，不要试图把握市场时机。尽管一些投资者在短期内在接近底部并在顶部退出时做得很好，但没有人能够始终如一地把握市场时机。

Masthan
Just think, If that money is Spent on planting trees, Setting Water plants in the thirsty areas, and on Some Research on efficient Recycling, We would have better world with less poverty..The scientists working in these organisations have amazing brains, But they don't ever think in this way.

NASA、ISRO和其他组织浪费了数十亿美元，只是为了在其他星球上寻找水。
试想一下，如果这些钱花在植树、在干旱地区设置水厂以及一些有效回收利用的研究上，我们将拥有更美好的世界，减少贫困。在这些组织中工作的科学家有聪明的大脑，但他们从不以这种方式思考。