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.

在我们的社会中有一小部分人叫“月光族”，他们每个月总是没有钱剩余也没有存钱的计划。关于这种消费观念，有人认为是时尚而其他则持反对态度。

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. 

那些支持这种消费观念的人指出成为月光族让他们有更多的机会享受生活，过高质量的生活。然而，反对者则认为那不是理性的概念，因为那些所谓的“月光族”在他们低迷的时候可能没有能力应付。此外，这种消费习惯在某种程度上形成了奢侈浪费。

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.

考虑到以上两个观点，我倾向于同意后者。从我的角度来看，月光族的生活更豪华或质量更高但是他们也许会缺乏安全感，尤其是低迷的时候。因此，我仍然认为我们所有人在任何时候都应该存一些钱，这样在困难的时候就不会过得太艰辛。