1. Learn to save money: No matter how much you earn, you need to have the habit of saving money, plan your consumption and savings reasonably, and accumulate wealth.

2. Control expenditure: control your own expenditure, don't over-consume, and keep rational consumption.

3. Rational investment: Don't indulge in high-risk and high-return wealth management products, and choose appropriate investment methods according to your risk tolerance and needs.

4. Diversified investment: Don't put all your eggs in one basket. Diversified investment should be made to reduce risks.

5. Avoid high-risk wealth management products: Avoid blindly pursuing high-yield wealth management products, especially illegal wealth management products without regulatory certification.

6. establish emergency reserve fund: establish a certain emergency reserve fund to deal with emergencies.

7. Pay attention to taxation: plan taxation rationally and pay attention to avoiding tax risks.

8. Establish personal credit: Good personal credit can help to obtain better loan interest rates and better banking services.

9. Monitor your credit card use: Use your credit card reasonably to avoid exceeding your repayment ability, so as not to affect your personal credit.

1. Understand the basic financial knowledge: Understand the basic financial knowledge, and learn the basic knowledge of investment, lending and savings.