Consumption lag refers to the average consumption level that personal consumption lags behind the country's economic development and personal household income. Consumption lead refers to the current level of income that is not enough to purchase the products or services currently required, and loans, instalments, advances, etc. Consumption. According to the above definitions, Which of the following are ahead of consumption:. ['Staff Xiaowang ordered train tickets online by credit card payment.', 'College student Xiao Li bought a well-known brand computer through a lending platform.', 'Retired worker Lao Zhang has commercial houses and cars, but insists on using only old-style candy bar phones.', 'Young teacher Xiao Liu has a 100,000 yuan time deposit that has not expired and borrowed 80,000 yuan from a colleague to buy a car.']