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1. As a habit, you must take personal "financial" behavior as your second nature.

2. Think every day, automate your financial life, better invest most of your bank savings and spend more flexibly, and you will earn more money.

3. Know how to convert your stock into flow, and flow into increment (stock-flow-increment).

4. Open an account for your family and prepare education expenses for yourself or your children.

5. Diversify your "finance" and invest at least 20% of your assets in overseas markets.

6. Know how to recover funds and flexibly turn invalid investments into tax breaks.

7. If making money quickly is a "100-meter sprint", then financial management is a "marathon". Compared with endurance, financial management needs planning, patience and principles.

8. Match yourself with a road when you are proud of life, and have a retreat when you are frustrated.