1 set aside 3-6 months' consumption as an emergency fund, about 2, yuan, of which 5, yuan can be used for survival or cash, and 15, yuan can be purchased from the money fund (basically risk-free, T+2 redemption, and the income is generally higher than that of the bank in a year) or the bank can accumulate wealth management every day (the bank requires to open an account of 5, yuan, and some banks can partially redeem it after opening an account, leaving 15, yuan, and the income is 2. T+ redemption) can be used as a substitute product for current demand

2. Open two or three banks' credit cards, use the bank's interest-free loan function, postpone consumption as much as possible, and accumulate points in exchange for gifts, but be careful not to spend blindly with credit cards

3. Your annual income is 8,, your expenses are about 4,, and your annual balance is about 4,. Depending on your risk tolerance, you are young, so you can invest in the stock market appropriately and accumulate. It is suggested to make a fixed investment in the fund portfolio, or choose low-risk wealth management products in the bank. In general, the guaranteed income of 5, starting wealth management products in the bank is around 4, and the non-guaranteed income can reach 5.99%, and the deposit period is flexible. You must have the concept of savings, but don't think that savings are only current and regular

4. In terms of insurance planning, you are civil servants and have complete insurance, but don't think that this is enough. The goal of financial management is to achieve financial security and financial freedom. The so-called financial security means that no matter what the situation is, your family will not be greatly affected. This social security is bound to be insufficient. The accident risk should be 1-2 times of the annual income, and the serious illness protection should be 5-1 times of the annual income. It is recommended to choose the universal insurance of the insurance company, and you can freely receive the policy value while transferring the risk to the insurance company.