1. Saving is the first step: before you start investing, you should make sure that you have enough emergency savings funds to deal with emergencies and emergencies.

2. Make a budget: Make a detailed budget, including monthly income and expenditure. This will help you control your expenses and ensure that your savings plan can be realized.

3. Pursuing long-term investment: investment is for long-term financial goals, not short-term profits. According to your risk tolerance and financial goals, choose a long-term investment plan that suits you.

4. diversify your portfolio: don't put all your eggs in one basket, but diversify your portfolio, including stocks, bonds, real estate and other different fields.

5. Don't follow suit at will: Don't follow suit at will, listen to others' hype or recommendation, and make decisions according to your own financial plan and investment goals.

6. Learn financial knowledge: Understand basic financial knowledge and investment principles, such as how to analyze stocks and funds and how to assess risks.

7. Patience: Long-term investment requires patience and calmness. Don't make decisions easily because of short-term fluctuations, and maintain a sound investment strategy.

8. Reduce debt: Reduce debt as much as possible, especially credit card debt with high interest rate. This will give you more money to invest and save.

9. Regular inspection: check your investment portfolio regularly, evaluate whether your investment objectives have been achieved, and adjust your investment plan to adapt to changing market conditions and personal financial situation.

10. Seek professional advice: If you don't know enough about financial management or are not sure how to make the best investment plan, you can seek professional financial advice and investment consultation.