Which friend knows more about finance?

First, what is financial management? \x0d\ financial management means financial management, "If you don't manage your money, money will ignore you". Income is like a river, wealth is your reservoir, and spending money is like running water. Financial management is to manage reservoirs, increase revenue and reduce expenditure. \ x0d \ x0d \ Second, the three links of financial management \x0d\ 1, saving money: one flower earns two lives. Many people say it is impossible to withdraw 10% of the money from the bank in a month. So if your company is not doing well, the boss will cut back on expenses and give you two choices. The first is to fire you and compensate you for two months' salary. Second, reduce your salary from 1000 yuan to 900 yuan. Which plan can you accept? 99% people can accept the second plan. Then you make a compulsory deposit for yourself, and directly deposit 10% of the money in the bank after the payment. If you don't take this step, you will never have money to spend. \x0d\2。 Making money: funds, stocks, bonds, real estate \x0d\3. Break even: the weather is unpredictable, and no one knows what will happen. You should buy insurance for yourself. Insurance is an important means of financial management, but not all. Making money is like drilling a well to inject a steady stream of water into your reservoir, but drilling a well is not enough. It is necessary to build a dam for the reservoir-accident, hospitalization, serious illness. Because of the example of driving into people's ruin. Example of flying: I sometimes need to fly ten times a month. Every time the plane takes off and lands, I put my hands together. I don't believe in anything I just feel my life is in my own hands again, because I don't know what will happen in the sky. So every time I fly, I buy 500,000 accident insurance from 88 yuan, which is my love and responsibility for my family. This 500 thousand is enough for my wife and children to live for two years, and she can remarry in two years. \x0d\\x0d\* One center and three basic points: financial management as the center, saving money as the starting point, making money as the focus, and capital preservation as the guarantee. \x0d\ Third, how much can I start a haircut? \x0d\ I don't care how much, I save 100 a month to buy funds, which is 637,800 yuan from the age of 20 to 60; 30 to 60 years old, it is 220,000; Since the age of 40, 70,000; 50 years old, 20 thousand. Qian Shengqian is the champion of long-distance running, so financial management must start at an early age. The essence of money: you don't love me, I don't love you. \x0d\ Girls, you have to rely on yourself and everyone to run. \x0d\ IV。 How to allocate assets: A single reservoir should be divided into three parts. \x0d\ Part I: Emergency money, living expenses for six months to one year. Depository banks, current, fixed-term or money market funds. \x0d\ Part II: Life-saving money, living expenses for three to five years, time deposits, national debt, and commercial endowment insurance. It should be a balance of payments, only a lot more. \x0d\ Part III: Spare money will not be used for five to ten years. Only with this kind of money can you buy stocks, funds, real estate, or start a business with friends to make this kind of investment, so it must be spare money.