回复：Please give me some advice

I understand your pressure. You both are still very young, in the school, wonderful ages and futures. Relax, money will be not a problem once you get out of school and start working. Save $20 won't make you rich. the whole point at this stage is to enjoy life, do not let the money be the deciding factor on anything, you will earn it back in a few years. No kids, no work, just schooling, how wonderful the life is? Precious it, it won't last long....