yín chī mǎo liáng
lit. eating away next year's food in advance
fig. to dip into the next month's check; live now, pay later
寅
yín
3rd earthly branch: 3-5 a.m., 1st solar month (4th February-5th March), year of the Tiger
吃
chī
variant of 吃[chi1]
卯
mǎo
old variant of 卯[mao3]
粮
liáng
grain