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.
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.
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.