<prompt> Translate the following text to EnglishKama wewe ni mtu mwenye kutarajia mabaya na huamini kwamba wewe mwenyewe wa wakati ujao utakuwa na kiasi, basi unaweza kutumia pesa zako zote leo ili zisipate mikononi mwa mtu huyo wa wakati ujao.  <response>: If youre a pessimist and dont trust your future self to be frugal, then you might as well spend all your money today so it doesnt fall into the hands of that future spendthrift. 