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Post-90s Financial Management and Debt Base
This generation of young people manage their money when they are in debt. Their financial management concept is to put money in Alipay balance or WeChat change account, and then use flowers and white bars.

Times are changing all the time now. With the changes of the times, many behaviors and concepts have begun to change, especially young people. Their behavior concept and consumption concept are very advanced. Now there are many softwares that can provide loan services, allowing them to repay in advance without paying interest. Therefore, many people who are ahead of their time will choose to borrow money from JD.COM or Bai Hua. As a result, many people are not only moonlight clan, but also in debt. After paying wages every month, the first thing to do is to pay back Bai Hua and IOUs.

Although these young people have advanced consumption concepts and their own thinking, they will choose various financial management methods and strive to make money with their money. Their financial management concept is that money should not be in the bank, so money will always be those numbers. They should invest their money in order to earn more money.

Investment is risky. We can never guarantee that we will only make a profit without losing money. Young people have a very good attitude. Although they think that financial investment is risky, they can accept this risk and choose to invest most of their money in financial products.

In this way, they have a large number of wealth management products, which can be regarded as some fixed assets in their hands. If the wealth management products are transferred to a certain extent, it is the success of their wealth management for them. This will only encourage them to go further and further on the road of financial management.

Young people's consumption concept is advanced, but their thoughts are still advanced. They can quickly capture which financial products have better returns, and these young people know that investment is risky. Their financial management concept is also worth learning by many middle-aged people.