????你的決定不只是影響你自己，也會(huì)影響你的團(tuán)隊(duì)。做出一個(gè)糟糕的決定，中途放棄或者沒(méi)有準(zhǔn)備好應(yīng)對(duì)未來(lái)的挑戰(zhàn)，可能會(huì)讓整個(gè)團(tuán)隊(duì)陷于危地。她解釋說(shuō)：“如果你陷入困境需要營(yíng)救，你會(huì)讓其他人（即營(yíng)救者）陷入風(fēng)險(xiǎn)之中，因?yàn)樵诟吆０蔚貐^(qū)組織協(xié)調(diào)營(yíng)救非常困難?！迸c此類似，你做出的、糟糕的財(cái)務(wù)決策可能會(huì)波及你的配偶和子女。比如：認(rèn)為孩子上大學(xué)的錢比個(gè)人養(yǎng)老更重要。如果你的儲(chǔ)蓄不夠，無(wú)法支撐自己的退休生活，結(jié)果會(huì)發(fā)生什么事情？那時(shí)候，你已經(jīng)成年的子女就得救濟(jì)你，但他們自己的孩子可能也正要上學(xué)。結(jié)果人人都成了輸家。（財(cái)富中文網(wǎng)）

????Your decisions affect your team, not just you. Making a bad decision mid-climb or being unprepared for the challenges ahead can put an entire team at risk. "If you run into trouble and have to be rescued, you're putting other people [i.e. the rescuers] at risk because rescues are very tough to orchestrate at high altitudes," she explains. Similarly, bad financial decisions you make can trickle down to impact your spouse and kids. Example: Putting a child's college fund before your own retirement. If you undersave and can't support yourself during your golden years, what happens? Your then-grown kids have to bail you out, just when they're trying to put their own kids through school. Everybody loses.