超过现有承受能力的消费excessive consumption

• 勤劳致富的广州青年具有较高的消费水平，不是超前消费，而是推迟消费。

  Young people in Guangzhou who have become rich through hard work have relatively high consumption levels, but they do not consume excessively, only spending money that they have.

• 在计划经济年代，汽车被认为是超前消费的奢侈品。

  In the planned economic era, buying a car is seen as excessive consumption of a luxury good.