1. Reserve emergency fund: use part of private money as emergency reserve fund to deal with emergencies or unexpected expenses, such as family medical expenses and vehicle maintenance.

2. Investment and financial management: If you have the interest and knowledge of investment, you can consider using your private money for investment, such as buying stocks, funds, bonds, real estate, etc., in order to get higher returns.

3. Education and training: Use part of private money to improve one's abilities and skills, such as attending professional training courses and learning new technologies or languages, so as to enhance one's advantages in the workplace competition.