Tell me your opinion on personal finance.

If you don't manage your money, you are right. It's not so easy to manage your money first. First of all, you should learn financial knowledge, financial investment analysis and other research, participate in investment and financial management exchange activities, have a sense of spending money in life, learn to keep accounts, and divide the total income into several parts. If you carry out each percentage according to the expenditure plan, you can certainly manage your money well.

Personal finance must first learn to keep accounts and record daily expenses and your own income and expenditure, so that by the end of the month, you will know how much and where your money has been spent, so that you can know fairly well. We can analyze and summarize that the money was spent on impulse, so we need to pay attention to it in the future, so that we will develop good consumption habits over time. You can use financial accounting software, which is simple and convenient, such as Jiameng personal information management software. At the same time, you can also do budget and financial planning.

1. Save money: it's poor to earn one and spend two lives. Many people say it is impossible to withdraw 10% of the money from the bank in a month.

2. Make money: funds, stocks, bonds and real estate.

3. Break even: The weather is unpredictable, and no one knows what will happen. Buy yourself an insurance policy. Insurance is an important means of financial management, but not all.

Summary: financial management is the center, saving money is the starting point, making money is the focus, and capital preservation is the guarantee. Financial management equation =50% steady defense +25% steady attack +25% storm.

1.50% Hold on tight. First, put half of your savings in bank deposits or national debt. In addition to deposits and national debt, you can also pay attention to other low-risk wealth management products.

2.25% stable attack. For the steady attack part, people who have a certain concept of investment and financial management can choose some financial products with small fluctuations and stable returns, such as hybrid funds and large blue chips, and pursue an annual income of 5%- 10%.

3.25% Storm As for the storm, it is the most exciting part of investment and financial management, such as growth stocks, stock funds and futures. I suggest you visit Nahong Fortune and sea silver wealth. Investing in these high-risk and high-yield wealth management products must have a fairly high threshold of knowledge and experience. For wage earners who are not good at investing, it is best to start slowly and steadily. After gaining certain investment experience and profound skills, they will join the storm clan and pursue higher returns.