Views On Spending Tomorow's Money

In nowadays,everybody knows that "Money is not omnipotent,but absolute withour money".Maybe money has been the power of sicence's developing.So more and more people spent tomorow's money to catch up with the fashion.
In general,there are two ways to spend tomorow's money.One is doing the helpful or useful things ,the other is just waste.For example,some economically marginalized college studentsget the loan to help them finish their college education. This is one way to spend tomorow's money.To it ,I want to say it is very good.When someone spend the student loan just to play computer games, buy some useless but expensive things to their girlfriend or boyfriend.In this way, spending tomorow's money is not necessary.
Because of the above words, we must get the different views in different ways to spend tomorow's money——some is good and some is bad.