Family financial management and throttling are both important parts of family financial management, but financial management is more important than throttling to some extent for the following reasons:

Financial management can increase income and wealth: financial management can increase family income and wealth through investment, entrepreneurship and other means, thus improving family economic situation and improving quality of life. And cutting expenses only reduces expenses, and does not increase family wealth.

Financial management can plan the future: through financial management, you can plan your future life, education, medical care and so on. Avoid being unprepared in an emergency. Moreover, throttling is only the current control expenditure, and it cannot be planned for the future.

Financial management can pursue long-term interests: financial management can realize asset appreciation through long-term investment, thus pursuing long-term interests. Moreover, throttling is only a short-term behavior and cannot pursue long-term interests.

Financial management can enhance self-confidence: through financial management, family members can enhance their confidence and determination in future life, so as to face the challenges of life more actively. And throttling may make family members feel anxious and worried.

In short, financial management is the core of family financial management, which can increase income and wealth, plan the future, pursue long-term interests and enhance self-confidence. These are irreplaceable. Of course, risk management and reasonable planning are also needed in the process of financial management.