2. Establish an emergency fund: set up a savings account to save three to six months' living expenses for emergencies.
3. Pay off high-interest debt: Pay off high-interest debt as much as possible, such as credit card debt, to reduce the burden.
4. Diversification of investment: invest some funds in different fields and industries, such as stocks, funds and bonds. , reduce risk.
5. Planning retirement plan: Start preparing for retirement as soon as possible and invest in retirement plans, such as 40 1(k), IRA, etc.
6. Learn financial management knowledge: learn financial management knowledge, such as how to understand stocks, funds and bonds. Understand the risks and benefits and make wise investment decisions.
7. Reasonable budget: reasonable budget, don't let expenditure exceed income, open source and reduce expenditure.
8. Avoid impulsive consumption: avoid impulsive consumption, adhere to rational consumption, and minimize unnecessary expenses.
In short, the distribution of one's salary needs rational thinking and planning, and it should be distributed according to one's own situation and goals, so as to improve financial management ability and realize financial freedom as much as possible. At the same time, we need to constantly adjust and optimize financial planning according to our own situation and goals.