很难改变这种'及时行乐、以后付款'的思维模式。

It's hard to change the 'play now, pay later' ___mentality.

那种文化中普遍的心态是家庭重于个人成就。

The prevailing ___mentality in that culture values family over individual success.

一种固化的心态通常会抵制必要的变革和新观念。

An inflexible ___mentality often resists necessary changes and new ideas.