22 years old or single, the needs in this period are generally: renting a house, meeting daily expenses, saving, buying a house, wedding money, emergency fund and so on.

In the short term, it is necessary to meet daily living expenses, emergency funds, wedding funds and so on.

In the medium and long term, it is necessary to prepare some savings, buy a house, educate children and provide pensions.

Suggestion: Take out a part of each salary for compulsory savings, and buy insurance to transfer the risk of accidents, medical expenses, etc. If there is more money, you can consider investing in other projects.