This part is the living expenses (food, clothing, housing and transportation) and other spare expenses, which should be saved according to your own needs every month.

2) lump sum deposit and withdrawal

This is the lowest risk financial management. It is suggested that this part can account for 50% of the remaining funds after living expenses.

3) Fixed investment funds

This risk is relatively low, but the return is not high, as a long-term investment. The amount of funds accounts for about 30% except living expenses.

4) stocks, futures, gold, etc

These are all high-risk investment and financial management, but you should learn to do it, but it is not recommended to invest too much money (especially just learned to do it). It is recommended to invest the remaining 20% at most.

Those who want to be gold can talk about it in detail ~