First of all, establish the concept of reasonable consumption:
Consumption expenditure can meet the reasonable consumption needs of individuals (this can be determined according to your situation), and other funds are strictly controlled and cannot be misappropriated. The establishment of this consumption habit is the key.
Secondly, the appropriate deposit:
Just in case. You can save money every quarter. In this way, the interest rate is higher, and funds will expire every quarter and can be used in an emergency. Your attempts at various financial plans should be good enough. It's just a little too much cash, and it's a little wasteful, at least within a 7-day period.
The third investment:
The most convenient and steady investment, real estate investment. Sell your house in time, use the proceeds to pay the down payment to buy a house in an ideal location, and borrow the maximum amount from the bank for the longest period. You should be able to achieve it now. And now that the house price is stable, it is a good time to start. Be careful not to care about the high interest rate of the bank. Inflation increases with compound interest every year, while bank interest is fixed, which means that the longer you borrow, the more money you will earn in the future. To put it more bluntly, money is getting less and less valuable. In the future, you should use the reduced money to repay the loan, so you will earn more and more. But now you should try to keep the money in your own hands. At this time, money is the most valuable, so the more loans and the longer the time, the more money you can keep. It can guarantee the quality of your life and the principal of your investment.
Another kind of investment depends on your understanding and mentality. At present, investing in spot silver is a better choice. You can find a big investment institution to open an account for trading. Choosing a big investment institution is mainly to provide better services, but it does not mean that they claim to help you manage your finances. Venture capital can only rely on yourself, otherwise don't enter. Only a few people make money from venture capital. This is not to say that ordinary people cannot participate. The most important thing in investing in risky products is mentality rather than skill. If you are confident that you are not greedy, you can get stable income through proper study and practice. It is easy and easy to get an annual return of 30-50% on venture capital. Again, the mentality determines the final result. Usually most people who participate in venture capital are greedy, so they all lose money. Silver investment can learn to try, and there are simulated transactions for exercise. At the same time, I have studied two books, Memoirs of Stock Notes and Speculator Poker-Trader Notes 18. Reading is not to learn how to trade, but to learn how to control your own thoughts. In particular, the second book written by Zhongmin can be studied as a philosophy of life, which not only benefits investment, but also benefits life.
That's all. If it is fate, you can understand and get what you want.