The concept of financial management at this age is worth encouraging, but at this age, you should use your family's money to invest. You can buy some money funds first, go through online banking procedures, and then combine them according to your expected investment time and expected income. In three years, you can consider investing in money funds or short-term bonds, and in three to eight years, you can consider investing in bond-type or bond-mixed funds. Long-term investment can consider equity funds. There is no age limit for investment, only the suggestion of fixed number of years. If you choose to hold the fund for a long time, the compound interest effect after a few years is incomparable to those who start investing later than you!