Set financial goals: First, you need to set your own financial goals, including short-term, medium-term and long-term goals. Short-term goals can include saving money to travel or buying some necessities, medium-term goals can include buying a house or starting a business, and long-term goals can include having enough savings after retirement. By defining your financial goals, you can better plan your financial plan and realize your financial goals more easily.

Learn financial management knowledge: learn basic financial management knowledge, including investment, financial management, taxation and other knowledge. By learning this knowledge, you can better understand your financial situation and make your own financial plan. In addition, you can learn financial management knowledge, understand investment risks and benefits, and invest more scientifically.

Follow the "4% principle": this principle allows you to save 25 times of your living expenses for one year, and then live on 4% of your wealth management income every year to achieve financial freedom. For example, the monthly basic expenditure is 5,000 yuan, and the annual expenditure is 60,000 yuan, 25 times of which is equal to 654.38+0.5 million. If you get 4% continuous income through safe and steady financial management, you can meet the monthly expenses of 5,000 yuan.

Diversification of savings and investment: save a part of income every month, make diversified investments, and reduce risks. Savings can be used not only for emergencies, but also to achieve medium-term or long-term financial goals. Diversified investment can include stocks, bonds, funds, real estate, etc.

Create income sources: In addition to the main business income, young people can also create additional income sources through sideline or part-time jobs. This will not only increase income, but also provide more funds for investment.

In short, young people need to set clear financial management goals, learn financial management knowledge, follow investment principles, diversify their savings and investments, and create income sources in order to realize the freedom of saving and financial management. At the same time, we need to constantly learn and adjust in order to better achieve our financial goals.