Deposits are divided into these four parts, and year-end deposits are doubled.

Daily expense account:

The first account is the daily expense account, that is, the money to be spent generally accounts for 10% of the family assets, which is the family's living expenses for 3-6 months. Usually put it in the bank card of current savings. This account guarantees the family's short-term expenses, daily life, clothes, beauty, travel and so on. All expenses should be paid from this account.

Most people must have this account, but our most common problem is that the ratio is too high. Many times, it is precisely because this account costs too much that there is no money to prepare other accounts. Key points: short-term consumption, living expenses for 3-6 months. Generally put bank demand deposits and money funds.

Leveraged account:

The second account is a leveraged account, that is, life-saving money, which generally accounts for 20% of family assets. Specialized in solving sudden large expenditures. This account guarantees sudden large expenditures and must be earmarked to ensure that family members have enough money to save lives in case of accidents and major diseases.

This account usually doesn't have any effect, but at the critical moment, only it can guarantee that you won't sell your car or house, cash in stocks at a low price and borrow money everywhere for urgent money. Without this account, family assets are at risk at any time, so it is called life-saving money. Do you have this account? Key points: unexpected serious illness protection, earmarking, and solving sudden family expenses.

Investment income account:

The third account is the investment income account, which is the money to make money. Generally, it accounts for 30% of family assets, which is the income created for the family. Create high returns with venture capital. This account creates high income for the family, often through wisdom, and makes money for the family in the best way, including investing in stocks, funds, real estate, enterprises and so on.

Focus: pay attention to income. Investment and financial management, you can see the risks if you can see the benefits. The biggest problem with this account is prejudice. Many families buy 30% stocks in the first year, including stocks, funds and real estate. As a result, I made a lot of money, and the next year I spent 90% of my money on stocks. The result can be imagined. ...

Long-term income account:

The fourth account is a long-term income account, that is, the capital preservation and value-added money. Generally accounting for 40% of family assets, in order to protect the pension of family members, children's education funds, money left for children, etc. This account is the capital preservation and value-added money. We must ensure that the principal does not lose money and resist the erosion of inflation, so the income is not necessarily high, but it is stable for a long time.

The most important thing about this account is exclusive: (1) can't be taken out and used at will. The pension is said to be saved, but it is often used up by buying a car or decorating. (2) Every year or every month, a fixed amount of money enters this account, so that every little makes a mickle, otherwise it will be spent casually. (3) It shall be protected by law, isolated from enterprise assets, and shall not be used to repay debts.