Hello, there are many kinds of financial management, savings, time deposits, funds, bonds and stocks. I suggest that you can do the following financial management with your friends: First, you divide your own funds into at least 5 shares! The first type: 20% emergency funds, because no matter individuals or families may have some irresistible accidents, this part of the retention can also solve your emergency medical funds. The second part: 20% of the living expenses, 2500 yuan per month, about 30 thousand a year. The third part: 10% can go to almost many places for life travel. Part IV: See if your company has paid insurance. If yes, you can buy yourself some health insurance and dividend insurance with 10%. Although it won't work in a short time, it will be very useful for things you don't want to happen. If not, you can increase the fund of 10% on this basis. Part V: The remaining funds can be used for some financial management. For example, you can learn about the popular p2p recently. I just invested in Rongrong.com, and the income is quite amazing.