Ordinary people should achieve the following financial management concepts: 1, and learn to save money properly. On the premise of ensuring the quality of life, save money properly, and try not to spend the flowers that should not be spent. It is not advisable to spend money on the cutting edge. 2. Regular physical examination of family finances. A comprehensive understanding of income and expenditure and liabilities, on this basis, a more reasonable distribution of various uses of family assets, to ensure the benign operation of family wealth accumulation. 3. invest spare money to save your life. Life-saving savings refers to the expenses needed for normal family life within 1-2 years. Investment is risky, and once it encounters risks and suffers losses, at least there are life-saving savings that can temporarily maintain the normal life of the family; It is not advisable to follow the trend. Following the trend belongs to speculative thinking, not rational financial management consciousness. Blindly follow the trend and buy whatever products are hot, and the consequences may lead to losses. Only rational analysis before investment can bring you wealth and be immune to sudden changes in the market; Don't put all your eggs in one basket-the basic knowledge of the investment community is also crucial. Diversified investment, products and platforms should try not to stick to one place, which can not only reduce investment risks, but also understand and compare more investment channels, so as to choose the one that suits you best. 6. Information is wealth. Pay attention to every channel that can provide you with information. It is also the key to success to improve your sensitivity and resolution to all kinds of information and turn information into favorable opportunities for yourself. 7. Networking is also wealth, which needs investment and accumulation. Regardless of your income, don't forget to cultivate your network resources, get in touch with "rich people" and understand their thoughts and ideas; 8. Any investment must be guaranteed. Capital preservation is the bottom line. Only with the determination to keep the bottom line can we earn more determination and strength. 9. Don't be easily knocked down, and don't be easily carried away by victory. Investment doesn't happen overnight, and all kinds of situations can happen. At any time, remember to stay calm, analyze rationally and make the most favorable decision for yourself. 10, never stop learning and improve yourself. This book has its own golden house. If you want to pursue wealth constantly, you must constantly learn to invest and manage money. It is never wrong to read more books and newspapers.