How do young couples manage their money? 10

Law 4321: The rational allocation ratio of family assets is 40% of the family income for housing and other investments, 30% for family living expenses, 20% for bank deposits for emergency needs, and 10% for insurance.

The Rule of 72: If you don't get back the interest on the rollover deposit, the time it takes to double the principal is equal to 72 divided by the annual rate of return. For example, if you deposit 100,000 yuan in the bank, the annual interest rate is 2%, and the annual interest rate is rolling, how many years can it become 200,000 yuan? The answer is 36 years.

The law of 80: The reasonable proportion of total assets is equal to 80 minus age, and add a percent sign (%), for example, at the age of 30, it can account for 50% of the total assets, and at the age of 50, it is appropriate to account for 30%.

The Double Ten Law of Family Insurance: The appropriate amount of family insurance should be 10 times the annual income of the family, and the appropriate proportion of premium expenses should be 10% of the annual income of the family.

There are three certain rules for housing loans: the monthly mortgage amount should not exceed one-third of the total monthly income of the family.

First set financial goals, educate your child, what kind of learning environment you plan to give him, especially college, and then your own retirement and insurance. Others such as tours, cars, etc. are considered short-term. Retirement insurance is long-term and can be started again at 35.

Current Money! This will subsidize the family!

There are ways to save money that can help young people gradually accumulate a certain amount of wealth without overly cutting down on their quality of life. Here are some possible practical methods:

1.Automatic savings: Using an automatic savings account, such as regular automatic transfer, can help young people save a certain amount of income each month or week. This approach will gradually accumulate more savings without much proactive effort.

2.Control daily consumption: To control daily consumption, such as comparing**, buying affordable goods, avoiding unnecessary expenses, etc. In addition, limit the frequency of meals and reduce the number of times you eat out to reduce the burden of daily consumption.

3.Be budget-conscious: Learn to analyze your own expenses and budget, carefully planning and considering each one to maximize your money and resources.

4.Make early payments: Reduce debts such as credit cards and loans, repay early, avoid late fees and other consequences, and reduce financial pressure on your family.

For the problem of cutting back on food or enjoying the moment, while controlling expenses, you should also enjoy the present life appropriately. Young people can make the most of their leisure activities during holidays or after work, and they are looking for affordable ways to stay mentally comfortable. At the same time, you can also reward yourself appropriately, such as giving yourself a small reward after achieving your goals to maintain a positive attitude.

I think that the parents were able to save money probably due to the following reasons:

1.Frugal lifestyle: Parents developed a frugal lifestyle due to their relatively poor living conditions when they were young. They will try to avoid waste, spend every penny on the cutting edge, and not be too extravagant and wasteful.

2.No credit cards and consumer loans: When my parents were younger, financial instruments such as credit cards and consumer loans were not as widespread as they are now.

As a result, they don't get stuck in debt because of high interest on credit cards or consumer loans, thus maintaining financial independence and soundness.

3.Stable job and income: Parents often choose a stable job when they are young and have been engaged in the same industry for a long time, which can ensure a stable income** and have the ability to save for Danfeng.

4.Focus on saving and investing: Parents tend to prioritize saving and investing. They will use part of their income for savings, and will choose some relatively stable investment methods, such as bank deposits, treasury bonds, etc., so as to ensure the safety and stability of assets.

In general, parents are able to save money because they have developed a frugal lifestyle, do not rely too much on consumer loans and credit cards, have a stable job and income**, and value saving and investing. These habits and philosophies have affected their finances to a certain extent.

Today's young people are faced with more and more financial choices and financial tools, so managing money has become an essential skill. Here are a few tips to help young people manage their finances:

1.Create a budget: Creating a budget is the first step in managing your finances. Young people should keep a detailed record and analysis of their income and expenditure, and develop a reasonable budget plan to ensure that they balance their income and expenditure.

2.Saving: Savings is the foundation of financial management. Young people should get into the habit of saving and dedicate a portion of their income to savings so that they can prepare for future investment and consumption.

3.Investment: Investing is an important way to achieve financial freedom. Young people can choose some relatively stable investment methods, such as **, **, bonds, etc., so as to achieve asset appreciation.

4.Debt management: Young people should manage their debts wisely and try to avoid debts such as high-interest consumer loans and credit card overdrafts to ensure financial health.

5.Learn about finance: Young people can make informed financial decisions by learning about different financial tools and ways to invest.

In conclusion, young people should plan their finances through budgeting, saving, investing, debt management, and learning financial literacy to achieve their financial freedom and financial security in the future.

The scope of financial management is too wide, I am the same as you, I have a job, and my income is average, so I am not an answer for you, but just for your reference.

Starting a business requires 3 things: capital, ability, and ambition.

It doesn't matter what the project you are doing to start your own business, choose a good goal and make a good budget.

How much initial capital is required? How much liquidity do you need after the business is rolled out? How much back-up money is needed? How much venture capital is needed?

I have 50w now, and I don't dare to invest all of it in entrepreneurship because I have no ambition and I am not very confident in my ability. And 50w is too little for those who want to really start a business.

My current financial management is a very common point system.

The income is divided into nogan:

1. Time deposit.

2. Living expenses. 3. Learning input.

4. Communicative engagement.

Fixed deposits are not immovable, not to earn much interest, but to develop the habit of saving money, and now it is a phenomenon for us to spend money lavishly at our age.

Buy currency ** first (annual income or so, stable growth can be in and out at any time, convenient and flexible), then buy bonds ** (annual income of about 7%, there is a certain fluctuation, investment for more than one year will basically not lose), and finally buy **** (annual income of about 15%, fluctuation is very large, there is a possibility of loss in a certain time range).

Buy ** Find me, open an account and get a prize!

Investment and financial management should be in a way that suits you, asset allocation, rather than choosing a product all in, young people can refer to this plan.

I am convinced that "wealth is a by-product of hard work"!

Outside of work, strive to be brave and diligent in a certain aspect, and wealth will come.

For example, if you work hard to write, you can get rich like Han Han and Mo Yan.

For example, if you are good at accounting, you can charge a lot of ** bookkeeping fees.

For example, if you practice stalls in your spare time, you can rotate goods and win wealth.

You can do the best investment and financial management in the bank