The retirement age in Taiwan has been put off in recent years, some officers started to believe that spending remuneration on amusement when they are still young is preferable as they want to enjoy their lives while they can. Whereas some elderly might claim that keeping remuneration is essential for planning ahead. From my perspective, I side with the former idea, believing the timing of using money is also crucial for individuals. In the following essay, I will elaborate further on the reasons.