As far as your current income and consumption are concerned, if you have a stable job and are one of the top 100 enterprises, you have the ability and conditions to borrow money (unsecured and unsecured low-interest loans, which are represented by guarantee companies), then you can buy a house, pay a down payment, and then the loan will have extra money, plus the house you already have, and then take out the loan (secured, usually handled directly by the bank), so that you can buy a car (instead of buying a car, you can buy a car) Naturally, you will have a partner (not just a woman), and then your monthly income plus your wife will exceed 5 thousand and 60 thousand a year. Now that your monthly repayment ability of 5,000 yuan plus the remaining money from two loans has basically broken through the minimum limit of various investment and financial tools, you can choose now. If you want to manage your finances, you have to be far-sighted and be prepared for a protracted war.

It's a waste of energy to speculate in stocks yourself. Buy funds. There are many kinds of funds now, and how to choose depends on how you study more. It's not bad to want to invest in industry and earn some experience. You should regard financial management as a 3D game, and how to operate it depends on your personal energy input.