主题：【原创】时事述评：人民币汇率改革 -- 井底望天

important and beneficial.

But some middle-class families overstretch their finance. They do not arrange expenditure based on their income, but based on their expectations.

Usually Chinese families will buy Japanese car to save money for their kids' private school education. But my American colleagues tend to go too far: luxury European cars + all private education + heavy debt on credit cards.