As long as you stick to the three principles, I believe you will become a millionaire in a few years. These three principles are: save first, then consume, and save 30% of your salary every month; Adhere to the annual investment, assuming that the annual rate of return is above 10%; Adhere to 10 years every year.

My suggestion is for your reference:

1. Since your monthly income is 3,000 yuan, I suggest that you deposit at least 1 0,000 yuan for fixed investment in stock funds or index funds, which is more firm. In a few years, you will gain a lot.

2. For the remaining 2000, it is recommended that your fund invest in the money fund and get a credit card for spending at ordinary times (there may be an interest-free period of 20 to 50 days). In this way, your salary of 2000 yuan will be put into the money fund to collect interest (higher than the bank's regular interest rate), and then the money fund will be redeemed before the credit card repayment date to pay back the credit card. In this way, you will reap the interest of the fund in vain, and the credit card is interest-free. Why not?

3. You have 10000 yuan in hand, and it is suggested that 5000 yuan be used for one-time investment fund (suggested investment index fund); In addition, 5000 suggests investing in the money fund in case of emergency (you can keep it with you and enjoy a slightly higher regular interest rate than the bank, tax-free and no handling fee).

Because you don't know much about the stock market or financial management, I suggest you don't touch stocks, which is too risky.

The bank deposit interest rate is too low and the liquidity is not good.

Pay attention to investment insurance when you have plenty of money in the future.