The total annual income is 20 thousand. I personally think that the main task now is to increase income. You can learn a skill first, and then use the remaining money to learn a skill every month. When the income reaches a certain level, say 4000 yuan/month, make some investments and make some fixed income, such as insurance, national debt and time deposit. Mainly income stability.

Finally say a word; Individuals do not recommend stocks and funds because the risks are too great. Moreover, it has no professional knowledge, so it is not easy for people with less income like us to make some stable investments and strive for some money.