There are a small number of people called “the moonlight clan” in our society, who always run out of their income each month and have no plan to save money. Concerning with this kind of consumption conception, some consider it as a fashion while other oppose it.

在我們的社會中有一小部分人叫“月光族”，他們每個月總是沒有錢剩余也沒有存錢的計劃。關于這種消費觀念，有人認為是時尚而其他則持反對態度。

Those who are in favor of this kind of consumption conception point out that being moonlight clan let them have more chances to enjoy lives and live in a high-quality life. However, the opponents argue that it is not a kind of rational conception because those called “the moonlight clan” may have no ability to cope with their rainy day. In addition, this kind of consumption habit put a premium on extravagance and waste to some extent.

那些支持這種消費觀念的人指出成為月光族讓他們有更多的機會享受生活，過高質量的生活。然而，反對者則認為那不是理性的概念，因為那些所謂的“月光族”在他們低迷的時候可能沒有能力應付。此外，這種消費習慣在某種程度上形成了奢侈浪費。

Taking the two opinions into consideration, I am inclined to agree with the latter one. From my point of view, the life of the moonlight clan is more luxurious or high-quality but they may be lack of sense of security, especially in their rainy day. Therefore, I still advocate that all of us should keep some money at any time so that we will not be too difficult in our rainy day.

考慮到以上兩個觀點，我傾向于同意后者。從我的角度來看，月光族的生活更豪華或質量更高但是他們也許會缺乏安全感，尤其是低迷的時候。因此，我仍然認為我們所有人在任何時候都應該存一些錢，這樣在困難的時候就不會過得太艱辛。