Zhou believes that the most important thing for young people is to establish the concept of saving and know the truth that many a mickle makes a mickle, instead of spending money at will and becoming a "moonlight family". In addition to reasonable arrangement of bank deposits, daily consumption should also reserve expenses such as cultural life and continuing education. "The savings method of lump-sum deposit is very suitable for these young people." Another senior financial planner believes that "stepped deposit" is very beneficial for young people to control their consumption desires and meet their daily needs. This step-by-step combined savings method is to take out a certain amount of money every month and deposit it for three months in the first three months of work according to your own situation. Starting from the fourth month, a deposit will expire every month. If there is no withdrawal, the bank can automatically change to the fixed deposit rate of 6 months, 1 year or 2 years; From the fourth to the sixth month, a certain amount will be deposited every month as a six-month time deposit. This "step by step" operation not only ensures that an account expires every month, but also the number of free withdrawals is increasing. "If you save as much as possible and keep saving, you can slowly accumulate the' first bucket of gold' for yourself." Steady and steady "If you want to invest money, you must maintain and increase the value on the basis of fully ensuring the liquidity of funds. It is recommended to avoid one-sided pursuit of high-profit venture capital. " Zhou pointed out that young people should focus on stable growth and certain liquidity when choosing investment products, and try to avoid medium-and long-term investment products that are risky (such as stocks) or difficult to realize (such as 3-5-year government bonds). Young people don't have much investment experience and are usually busy at work, so they don't advocate complex and energy-consuming investment products such as stocks and foreign exchange trading. Open-end funds have the characteristics of "expert financial management, low risk and high income". Subscribing or buying open-end funds with stable operation and standardized management will yield higher returns. At present, the open-end fund has experienced the cold winter of the stock market and is in the recovery stage, so it is an investment variety that can be considered.