1. Open an account for your family: Open a family value-added credit account and use it effectively to prepare for college education for yourself or your children, or to pay off credit card debt.

2. Think about automating your financial life. Some of the deposits should be deposited in the bank and allowed to be invested every month by fund companies or brokers. Likewise, when it comes to managing your cell phone bill, you'll find that budgeting is easier than ever and you no longer have to pay late fees.

3. Planned savings.

4. Don’t invest wildly: Even if you really want to make more money in future investments, it is best to set aside 5% to 10% of your assets for possible changes in the future. matter. You might be surprised if a stock doesn't do as well as expected, but you won't lose much.