绝大多数人认为，如果赚钱不够多，生活就不会太容易。这话说的没错，一旦赚钱不够多，你便会发现有还不完的账单，生活便很容易陷入一种窘境。如果你经常做一些错误的理财决策，那么金钱便很容易毁掉你的生活。如果你特别看重赚钱，那么生活也会受到不良影响。
诚然，要想不差钱，不做点有风险的决策是很难实现的。当你生活在一个崇尚成功的文化环境里，这种感觉便更加明显。涉及到金钱问题，你需要慎之又慎，不然你会发现自己很容易陷入以下困境。
第一、债务缠身
无论你赚多少钱，一旦重要理财决策失误，债务缠身便在所难免。如果你过多使用信用卡，或者购买一些不需要的东西，那么你会很容易负债。即便是一件不可控的紧急事件，也有可能让你陷入负债的悲惨境地。
一旦你债务缠身，而且无力支付账单，那势必会对个人征信造成不良影响。一旦个人征信受损严重，贷款买房买车便成了大问题，而这定会进一步影响生活质量。
第二、人际关系受损
日常生活中，对一些因钱生隙的事，我们多少有所耳闻，诸如朋友或夫妻分道扬镳等。相关调查报告显示，较之其他争端，想修复一段因钱破裂的关系所需时间更久。这意味着，如果因金钱问题争吵太多，那么朋友/夫妻关系便很容易遭到破坏。
第三、赌博成瘾
如果你的金钱欲特别强烈，又或者过度迷恋赌博带来的快感，那么你需警惕赌博有可能会毁掉你的生活。当然，有些人赌博是为了享受其中的乐趣。但是，如果你在赌博的路上走得太远，并赌上全部身家，甚至背上无法偿还的巨额赌债。那么，你的处境将非常危险，经济损失或人身伤害都在所难免。
第四、紧急情况突发
毫无疑问，所有人都需要一个应急储蓄账户。如果出现下述各种紧急情况，诸如医疗费用增加、房屋大修、汽车报废以及其他事情，应急资金便可助你顺利度过难关。如果你没有应急资金，或金额不足，那么你的生活便会受到重大影响。
第五、退休准备不足
如果退休储备不够，那么退休多少会受到影响，至少你不可能过上自己所期待的那种退休生活。毋庸置疑，退休之后你需要足够的钱来维持生活，而这部分钱则来自于你此前的日常积累。如果储蓄过少，你的选择无非两个，一是强迫自己工作用以支付账单，二是大幅削减生活开支。
显而易见，你需要钱来支付账单。但是，细想一下金钱可能对生活造成的不良影响，你会发现其影响绝不仅限于经济问题，它还会影响个人信用。一旦信用受损，你的人际关系、健康和退休大计均会受到不同程度影响。
(机构来源：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.(原文出处：cheatsheet网站)
