1. Make a budget plan: make a detailed monthly budget plan, including necessary living expenses, savings and investment plans. If you don't know your own expenses, it will be difficult to control and there will be no opportunity to save.

2. Saving: Use part of your income for saving. It is suggested to save at least 10% of salary for emergencies. If you have a goal, such as traveling or buying a house, you can spend more money on saving.

3. Investment: Set aside some income for investment, such as buying stocks, funds or real estate. Investment can increase the value of your money and help realize financial freedom.

4. Pay off debts: If there are debts, give priority to paying off debts with high interest. Once the debt with high interest rate is paid off, you can pay less interest and have more spare money to save or invest.

5. Control expenses: In daily life, try to reduce meaningless expenses. For example, buy cheap goods, save energy and water charges, reduce the number of cars, and give priority to public transportation. Controlling spending can provide you with more investment and savings opportunities.

6. Don't put all your eggs in one basket: diversify your portfolio, don't just invest in one asset, and reduce risks.

7. Learn financial management knowledge: read books, articles and reports about financial management, investment and savings, and learn financial management knowledge from professionals. This can help you plan and manage your financial situation better.