1. Establish an emergency savings fund: a savings account should be established in a bank or other financial institution in case of emergency, such as unemployment or unexpected expenses.

2. Determine the budget: make a monthly budget, listing income and expenditure, so as to better manage funds.

3. Do a good job in financial planning: don't just pay attention to immediate consumption, but also consider future financial needs, such as pensions and children's education funds.

4. Be cautious in borrowing: If you need to borrow, make sure that you only borrow the necessary amount and pay it off within the repayment period.

5. Have a deep understanding of investment: before investing, you should seriously study relevant knowledge and understand different investment methods and risks.

6. Avoid excessive consumption: Don't give up long-term financial health for short-term enjoyment, and avoid excessive consumption and unnecessary expenses.

7. Insurance is necessary: buying medical insurance, car insurance and family insurance can help people reduce their economic pressure when an accident happens.

8. Diverse funds: Don't put all the funds into the same investment method, but diversify funds to reduce risks.