I think it is still appropriate to buy a money fund, which is a very suitable substitute for saving. Usually, the income is higher than the regular tax interest of 1 year, and it also provides good liquidity (1-2 trading days can be redeemed). In addition, financial management is a kind of consciousness and habit-"Don't do it if you have less money", but you should also save money for yourself in case of emergency. After all, non-trading days (such as weekends and legal holidays) cannot be redeemed, and redemption is sometimes delayed. You don't want to deposit money in the bank. As long as the bank is open (even if it is not, such as China Merchants Bank Online Banking), it can be withdrawn.