1. Emergency reserve fund: experts are advised to reserve emergency expenses for 3 to 6 months as emergency balance in personal normal life.
2. Salary ratio: Some financial planners of credit banks point out that you should save 20% of your total income every month to ensure economic security and security.
3. Personal risk tolerance and planning needs: Some people may prefer the type of strategy, choosing to store more funds or form a series of property insurance to obtain a higher level of protection, while others think that they would rather take higher-risk transactions in exchange for greater possibilities of getting returns. It should be noted that any plan needs to refer to your current income and expenditure, and the family will make corresponding budget plans and save money according to the budget.
In short, there may not be a universal answer to the question "how much money is enough to save", but it is very important to establish an economic plan that can give you a sense of security. Check your income and expenditure regularly to ensure that you have enough savings every month to ensure your future economic security. In addition, it should be noted that no matter how many zeros your economic plan has, you should always be alert to the future, consider the risks of the financial system, and understand the impact of inflation on funds. In addition, the financial security plan should combine personal lifestyle, target needs and other factors. If you need more specific advice or consultation, please consult a professional financial or economic planning expert. They can help you understand how to establish a sense of security economic plan that suits you.