1. Reserve an emergency fund. It seems that as you grow older, the problems you face become more realistic and costly. Establishing an "emergency fund" of 10,000 or tens of thousands of yuan is a good start to start your financial management journey, such as

, with this fund, you don’t have to worry about not having enough to eat after “naked resignation”, or not being able to come up with money for emergency relief in the event of an emergency.

2. Buy commercial insurance. Young people in their 20s like to buy cheap insurance. However, if you are over 30 and have accumulated a certain amount of wealth, you should let insurance play a greater value in terms of assets and personal life, especially when something unexpected happens.

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So, say goodbye to those days of only buying low-price insurance, and instead learn about the types of insurance you really need to buy, such as critical illness insurance, accident insurance and whole life insurance. Whole life insurance is to buy protection for your family. If you are

As the breadwinner of the family, it is even more necessary to buy yourself a whole life insurance policy.

These business insurance policies may not be cheap, but they are definitely worth the investment.

3. Learn to invest correctly and manage money. Investment is a way of open source, and it is also a commonly used way for people to make money nowadays.

While saving money, you have enough funds that can be used for investment and financial management.

Of course, investing and managing money requires knowing how to do it correctly.

When studying, you can obtain relevant knowledge through books, magazines, articles, etc., or you can communicate and learn from experienced people.

The second step is practice, using the investment and financial management knowledge you have learned to apply it in practice.

You can choose p2p financial management, which has been relatively popular in recent years, as a practical object. For example, Fangyidai is a platform that caters to regulations, has flexible investment periods, and has high security.

The more you practice on such platforms, the more you will learn about investment and financial management.

4. Reserve education funds for your children. Start saving money for your children’s education. Sooner or later, the education funds you save will be useful.

In addition to establishing an education fund for your children, you can also set financial goals for them and set an example for them, inspiring your children's financial intelligence and helping them develop good spending habits.

As the saying goes, 20-year-olds compete for physical strength, 30-year-olds compete for brain power, and 40-year-olds compete for financial resources. By the time you reach 40, it is already too late to plan and manage your finances.

Therefore, at the age of 3, it is important and critical to learn to improve your financial management skills.