有錢就幸福嗎？原來金錢可以這樣毀掉你的生活！

絕大多數人認為，如果賺錢不夠多，生活就不會太容易。這話說的沒錯，一旦賺錢不夠多，你便會發現有還不完的賬單，生活便很容易陷入一種窘境。如果你經常做一些錯誤的理財決策，那么金錢便很容易毀掉你的生活。如果你特別看重賺錢，那么生活也會受到不良影響。

誠然，要想不差錢，不做點有風險的決策是很難實現的。當你生活在一個崇尚成功的文化環境里，這種感覺便更加明顯。涉及到金錢問題，你需要慎之又慎，不然你會發現自己很容易陷入以下困境。

第一、債務纏身

無論你賺多少錢，一旦重要理財決策失誤，債務纏身便在所難免。如果你過多使用信用卡，或者購買一些不需要的東西，那么你會很容易負債。即便是一件不可控的緊急事件，也有可能讓你陷入負債的悲慘境地。

一旦你債務纏身，而且無力支付賬單，那勢必會對個人征信造成不良影響。一旦個人征信受損嚴重，貸款買房買車便成了大問題，而這定會進一步影響生活質量。

第二、人際關係受損

日常生活中，對一些因錢生隙的事，我們多少有所耳聞，諸如朋友或夫妻分道揚鑣等。相關調查報告顯示，較之其他爭端，想修復一段因錢破裂的關係所需時間更久。這意味著，如果因金錢問題爭吵太多，那么朋友/夫妻關係便很容易遭到破壞。

第三、賭博成癮

如果你的金錢欲特別強烈，又或者過度迷戀賭博帶來的快感，那么你需警惕賭博有可能會毀掉你的生活。當然，有些人賭博是為了享受其中的樂趣。但是，如果你在賭博的路上走得太遠，並賭上全部身家，甚至背上無法償還的巨額賭債。那么，你的處境將非常危險，經濟損失或人身傷害都在所難免。

第四、緊急情況突發

毫無疑問，所有人都需要一個應急儲蓄賬戶。如果出現下述各種緊急情況，諸如醫療費用增加、房屋大修、汽車報廢以及其他事情，應急資金便可助你順利度過難關。如果你沒有應急資金，或金額不足，那么你的生活便會受到重大影響。

第五、退休準備不足

如果退休儲備不夠，那么退休多少會受到影響，至少你不可能過上自己所期待的那種退休生活。毋庸置疑，退休之后你需要足夠的錢來維持生活，而這部分錢則來自於你此前的日常積累。如果儲蓄過少，你的選擇無非兩個，一是強迫自己工作用以支付賬單，二是大幅削減生活開支。

顯而易見，你需要錢來支付賬單。但是，細想一下金錢可能對生活造成的不良影響，你會發現其影響絕不僅限於經濟問題，它還會影響個人信用。一旦信用受損，你的人際關係、健康和退休大計均會受到不同程度影響。

（機構來源：融360）

原文：

5 Ways Money Can Ruin Your Life

Most people would agree that not having enough money can make life difficult. There are always bills to pay， and you can easily fall behind and become overwhelmed if you don"t have enough money. Still， the real issues often arise when people make poor decisions， especially if these choices are regularly repeated. If you make enough poor financial decisions， money can begin to destroy your life. However， if you prioritize making money too highly， you can also negatively affect your life. In addition to your credit and your financial future， relationships can be damaged if you focus too much on money.

Admittedly， making enough money without making potentially ruinous decisions can be a difficult balance to achieve， especially in a culture where success is so highly valued. It"s important to be careful with money， otherwise you may find yourself facing any of these five potentially life altering situations.

1. Too much debt

Regardless of how much money you make， you can rack up debt by making poor decisions with your money. If you use too many credit cards， or you purchase things you don"t need， you can easily find yourself in debt. Even an emergency that is completely out of control can burn through your money， leaving you in debt. According to20s Finances， debt usually includes interest， which means you are paying more than you should. Over time， you are losing money that you could be saving.

If you get in too much debt， you also might destroy your credit score if you can"t pay your bills. You also may not be able to purchase a home or purchase other items that you want or need， and all of these issues can negatively affect your life.

2. Ruined relationships

We"ve all heard that arguments about finances are one of the main reasons people sete or divorce. According to a study completed in 2013 by aKansas State University researcher， it takes longer to recover from an argument about money than any other argument. This means that money can destroy your relationships if you argue too much.

Money can also affect your relationships if you and your partner have different spending patterns， or if you spend so much time at work that you neglect your relationship. Getting ahead is great， but not if you neglect your relationships in order to do it.

3. Gambling problems

If you become too desperate for money， or if you just like to gamble for the fun of it， gambling can become another way that money can destroy your life. While some people enjoy gambling for the fun of it， if you take it too far and throw away your life savings， or get yourself in trouble by amassing debts you cannot pay， you risk financial， and potentially even more serious， harm.

Of course， gambling can also harm relationships. According to the Problem Gambling Institute of Ontario， in addition to affecting family mrs，gambling problems canalso cause depression， anxiety， and even increase your chances of suicide.

4. Emergency Situations

Everyone needs an emergency savings. Putting money away for emergencies assists you when unexpected medical expenses arise， when you need to complete home repairs， and when your car breaks down， as well as in several other situations. If you don"t have an emergency savings， or you don"t have enough， money problems can destroy your life in an emergency.

Think about a potential medical emergency: if you can"t afford to have an emergency surgery， and your insurance won"t cover it， you risk serious health concerns， or piles of debt that you can"t pay. If your car breaks down and you can"t get to work， and you can"t afford to fix it or regularly take a taxi， you may lose your job， and then your house， and so on. Emergencies can quickly spiral out of control.

5. Poor Retirement

If you don"t save enough money for retirement， you can potentially ruin your life， or at least， the retirement life you dreamed of. You will need enough money to support yourself after you retire， and it requires regular savings to achieve this goal （CNN has aRetirement Calculatorif you want to get started.） If you save too little， you risk getting a job you don"t want just to pay the bills， or having to cut back your lifestyle significantly at best. You also may not be able to move where you want to go， or participate in all the activities that you hoped for. At worst， you face potential homelessness if you can"t afford rent or your mortgage.

It"s obvious that you need money to pay bills， but when you stop and think about some of the more serious ways money can destroy your life， it becomes apparent that financial problems are not just financial. Problems caused by money can affect more than just your credit: these problems can negatively impact your relationships， your health， and your retirement.（原文出處：cheatsheet 網站）