1. Learn to save money.

Salaries are limited, so you need to save money you don’t need to spend. As long as you save money, you can still save a considerable amount of income in a year. This is the first step in financial management; 2. Do a good job in open source.

If you have spare money, you must use it rationally to maintain and increase its value and generate greater profits; 3. Be good at planning.

The purpose of financial management is not to make a lot of money, but to ensure a secure or better life in the future (so financial management is not just for rich people, working-class people also need financial management), be good at planning your own.

Future needs are very important for financial management; 4. Reasonably arrange the capital structure and find a balance between actual consumption and future income; 5. Consider the rate of return based on your own needs and risk tolerance.

A high-yield financial plan is not necessarily a good plan, but a plan that suits you is a good plan, because the higher the yield, the greater the risk.

The plan that suits you is the one that can achieve the expected purpose and has the least risk. Don't blindly choose the plan with the highest yield.