Niánqīngrén chāoqián xiāofèi, hěnduō dōu shì biǎomiàn guāngxiān de fùwēng.
Lots of young people spend beyond their means and look flashy on the outside while actually being deep in debt.
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负翁 is a pun on 富翁 ('wealthy man') - swap 富 (rich) for 负 (negative, owing) and you get the opposite: someone who looks rich but has a negative net worth. Same pinyin, opposite meaning.
