月光族，指每月赚的钱还没到下个月月初就被全部用光、花光的一群人。同时，也用来形容赚钱不多，每月收入仅可以维持每月基本开销的一类人。“月光族”是相对于努力攒钱的储蓄族而言的。“月光族”的口号：挣多少用多少，吃光用光，身体健康。这个词是一个中性词，没有绝对的褒贬意之分。
The “moonlight tribe” refers to a group of people who spend all their monthly earnings before the beginning of the next month. At the same time, it is also used to describe a group of people who do not earn much and whose monthly income can only cover their basic monthly expenses. “Moonlight tribe” refers to the group of people who save money in contrast to the group of savers who work hard to save money. The slogan of the “moonlight tribe”: spend as much as you earn, eat and spend, and stay healthy. This word is a neutral word, without absolute praise or criticism.
月光族一般都是年轻一代，他们与父辈勤俭节约的消费观念不同，喜欢追逐新潮，扮靓买靓衫，只要吃得开心，穿得漂亮。想买就买，根本不在乎钱财。
“月光”们有知识、有头脑、有能力，花钱不仅表达对物质生活的狂爱，更是他们赚钱的动力。老辈信奉“会赚不如会省”，对他们的行为痛心疾首；而他们的格言是“能花才更能赚”，花光用光自得其乐。“月光”们是信贷消费最坚定的支持者和实践者，他们感谢世界上还有一种叫“按揭”的消费方式，对“寅吃卯粮”的做法感到心安理得，但他们并不愿打肿脸充胖子没钱也要装阔佬，很少向别人借钱消费，大不了在信用卡里透点支，下个月回头就补上。
“月光”们是商家最喜欢的消费者，因为他们有强烈的消费欲望，会花钱；更重要的是他们有很强的赚钱能力，有钱可花。“富，富不过30天；穷，穷不了一个月”，是对他们最生动的写照。时尚追求是月光族长生的直接原因。
Moonlight tribes are generally the younger generation. They have different consumption concepts from their parents’ frugal generation. They like to chase new trends, dress up and buy beautiful clothes, as long as they eat happily and dress beautifully. They buy whatever they want and do not care about money at all.
“Moonlight” people are knowledgeable, smart, and capable. Spending money not only expresses their crazy love for material life, but also is their motivation to make money. The older generation believes that “it is better to save than to earn”, and they are deeply saddened by their behavior; while their motto is “you can earn more if you can spend”, and they enjoy spending everything. “Moonlighters” are the most staunch supporters and practitioners of credit consumption. They are grateful that there is a consumption method called “mortgage” in the world, and feel at ease with the practice of “living beyond one’s means”, but they are not willing to pretend to be rich even if they have no money. They rarely borrow money from others for consumption. At most, they will overdraw on their credit cards and make up for it next month.
“Moonlighters” are the most favorite consumers of merchants because they have a strong desire to consume and will spend money; more importantly, they have a strong ability to make money and have money to spend. “Rich, rich, not more than 30 days; poor, not more than a month” is the most vivid portrayal of them. The pursuit of fashion is the direct reason for the longevity of the moonlighters.