With your current level of wealth, racking your brains to manage your finances is only a few meals a year. The market should still exploit you. When your annual salary is one million, not to mention jumping out of the sandwich layer, at least the pattern is open, and the higher income will naturally come to you. As for now, you can leave Yu 'ebao, and so can P2P. Remember that there is no harm without expectation, just work hard.