American parents teach their children independence from an early age. Most American students 18 have to pay their own living expenses. If you live in your parents' home, you need to pay a certain "rent" to your parents. In this case, most American college students earn their living expenses by working after class. Although American universities are expensive, it is easy for college students to borrow money from banks. 80% of the American students I know rely on loans to support their studies. Therefore, the first money earned by American college students after graduation is usually used to repay student loans.

John, an economics graduate student from Denver, said that American young people usually make some venture capital when their lives are stable a few years after graduating from college, but the investment is generally small. Personally, he usually divides the money into two parts, only 20% is used for venture capital, buying stocks or funds, and the rest is kept in the bank for conservative expenditure. John is 3 1 year old and just got married. He once worked in a bank and said that many young people in the United States usually consider their "future value" when investing. In other words, they will comprehensively consider their knowledge and the trend of economic development, so as to make an estimate of their future "earning ability". Young people with higher valuations are more likely to make venture capital investments.

The American economist's prediction that "the American economy will go downhill" has a certain influence on young people's investment confidence. Noel, a 27-year-old from Hawaii, is currently studying for an MBA in an American university. His plan after graduation is to run his parents' family hotel. He believes that although the American economy is stable, it will soon decline, so he will invest his money in real estate to "preserve the value".

Andree, a 26-year-old German, said that when young Germans have "spare money", they usually go to banks for financial advice. Because of the high risk of stocks, Germans are not very keen on investing in stocks, and most of them will invest their money in safer government bonds. But interestingly, young Germans rarely invest in real estate that is safer than government bonds. None of the young people Andre knows has real estate. He explained that the reason for doing this may be to add more possibilities to life, because with real estate, there will be less possibility of mobility. In Germany, a country with a relatively sound social welfare system, residents have a strong sense of insurance. Andre said that most young Germans have pension funds, and they planned their retirement decades in advance.

Although Thailand is geographically close to China compared with the United States and Europe, there are many cultural similarities. But young people in Thailand also have their own characteristics in financial management. Thai stock market is not very popular with young people. They prefer to invest in real estate and cars. If they invest in stocks, they will also tend to be long-term, buying stocks of big companies and collecting dividends. J works in a foreign company in Thailand. At the age of 24, most of her salary is spent on food and clothing. At the beginning of this year, because the price of gold was quite good, at the suggestion of her mother, she bought gold bars with the money she had saved. According to J, investing in gold bars is another hobby of Thai young people.