First of all, the concept of financial management is so clear. Most of us regard financial management as making big money quickly. This is a gambling mentality. Financial management is to arrange your assets reasonably, so that your assets can always meet your own needs and maximize the return on assets. One is to consider your age, and the other is to consider your risk preference. If you are young, about 30 years old and like risks, you can moderately increase your investment in stocks. But don't choose too many stocks. You'd better buy two or three stocks in batches. When buying stocks, you must consider the current P/E ratio, P/B ratio, development prospects and your familiarity.

Secondly, financial management is a smooth process of wealth appreciation. What investment needs is perseverance, and don't care too much about short-term gains. Some people may object to my idea. But I'll tell you an example. For example, people who bought the "old stereotyped shares" in China stock market in the early days will earn 100 times or even 1 10,000 times if they hold them from the beginning to now. As long as it is not the person who bought the fund when the stock market rose sharply in 2007, even the person who bought the stock fund in the early days has several times the income.

Third, invest in financial management, don't follow the trend, you must learn to think reversely. This is the most test of people's psychological endurance. If you always follow the trend, you can only be the lamb of the banker.