00 1: living account, money needed for living. This part includes clothing, food, shelter, transportation, education and entertainment. It is recommended to keep the living funds for 3~6 months, and increase the reserves if the family risk is high. If the amount is large, it is recommended to put it in the baby fund, which has a certain interest compared with the bank and is convenient to access.
002: Leveraged account, mainly refers to small and wide, such as insurance. We must give priority to buying insurance for the breadwinners of the family, and then consider the elderly and children. The sooner you buy insurance, the better. The younger you are, the less premium you need to pay for the same amount of insurance. When buying insurance, give priority to accident insurance and medical insurance, then critical illness insurance (lifelong critical illness insurance is recommended), and finally consider endowment insurance.
003: wealth management account, money used for investment. Investment is risky, and in general, high risk and high return. According to personal risk tolerance, you can operate stocks, funds, futures, foreign exchange or real estate. The money in the wealth management account must be earned and compensated, and neither profit nor loss can affect the basic needs of the family.
004: Retirement or education account, reserved for one's own retirement or children's education. Save money every month, every little makes a mickle, and you must protect your capital, as long as you beat inflation.
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