There are many ways for Hong Kong people to manage their finances. Here are some commonly used methods: 1. Saving: For many Hong Kong people, saving is a very common way of managing money. They will deposit part of their income into savings accounts of banks or other financial institutions to earn interest. This way can help people avoid wasting and spending too much money and earn some extra money at the same time. 2. Investment: Hong Kong's stock market and real estate market are very active, and many people will choose to invest their money in these markets to get higher returns. However, there is a high risk in this way, which requires a certain understanding and experience of the market. 3. Insurance: Insurance is a way to protect personal and family property. Many Hong Kong people will buy various types of insurance to cope with possible risks in the future. Such as medical insurance, life insurance and vehicle insurance. 4. Pension Plan: The Hong Kong government has set up a pension plan, and it can also voluntarily join the enterprise's pension plan. This way can help people plan their life after retirement, so as to obtain a stable income. Generally speaking, Hong Kong people pay attention to risk control and protection in financial management, and at the same time, they will constantly try new financial management methods to obtain higher returns.