1: basically divided into three parts: fixed expenditure, floating expenditure and time deposit;
2. Rational use of capital leverage: the word "reasonable" should be emphasized here, and leverage should be used for valuable investment and not for early consumption; Similarly, credit cards don't allow you to spend in advance. Smart people can use them to earn the time value of funds and supplement their daily cash flow.
3. Configuration of basic insurance: Insurance can be divided into two categories: property insurance and life insurance. The main value of insurance lies in protection, not income, and consumer insurance is superior to return insurance;
4. Seize investment opportunities: always remember that any investment is risky. In the final analysis, investment lies in risk management. The core of risk management lies in risk diversification, commonly known as "don't put your eggs in the same basket".
5. Establish a healthy consumption concept and refuse to consume in advance: this seems to be the simplest, but it is actually the foundation.