Generally speaking, about 40%-50% of the money is used for daily expenses, including your food, clothing, housing and transportation. About 20%-30% of the money is in the bank. Although the CPI has risen sharply, the annual interest rate of the bank is 2.5%, and the CPI has exceeded 4% in June of 5438+00, which means that 100 yuan will probably lose 1.5 yuan a year, but the money is for emergency use and must be saved. About 5%- 10% is used to buy insurance, which is also necessary. There is an emergency. The remaining 20%-30% is used for investment. If you have less money, you can buy a fund and manage money in a bank, which is less risky. If you have more money, you can invest in stocks, foreign exchange and gold. Might as well earn. If you lose, you lose. Don't touch other money.

Financial management should be prioritized: the first thing to consider is insurance, because at present, insurance ranks first in the financial management industry, followed by deposit banks, then funds or bank financing, and finally stocks, gold, foreign exchange, real economy and so on.