Interest is the opportunity cost of current consumption and future income of savings. Savings behaviors are affected by the fluctuation of interest rate.

利息是当前消费的机会成本，是储蓄的未来收入，储蓄行为受利率变动的影响。

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Interest rate is an opportunity cost of current consumption and the future income of savings.

利息是当前消费的机会成本，是储蓄的未来收入，储蓄行为受利率变动的影响。

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The creation and formation of new institution result from changes of the current institutional cost and income.

新制度的产生和形成，是因为现有制度的成本与收益发生了变化；

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The way forward from U.S. News is to sort out your likely Social Security income, any pensions due to you or a spouse, then subtract that from your current cost of living.

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