We make various decisions every day. For example, as soon as we open our eyes in the morning, we have to decide whether to get up or go back to sleep. Going to work or flying kites? If you want to go to work, what do you do? ..... Most of these decisions seem simple and arbitrary, and there is no necessary logical relationship. In fact, behind these seemingly unrelated decisions, there is a similar factor that dominates our decisions, and that is our financial resources. And financial management is how to arrange our resources reasonably, scientifically and effectively. The reason why we need financial management is actually based on a basic fact-all our resources are limited.

Why don't we recognize the lifestyle of the young "moonlight" people? Because from the perspective of financial management, this financial arrangement only considers the immediate satisfaction, not the financial arrangement for maximizing the satisfaction of the whole life. The knowledge of financial management tells us that if a young man saves a part of his income, say, a quarter, and makes appropriate investments, his future satisfaction will far exceed the immediate satisfaction of giving up part of his consumption loss because of saving, but from the perspective of his life, his overall satisfaction will increase. Therefore, we say that proper savings and investment is a better way to manage money than the "moonlight" lifestyle.

Why do we encourage moderate consumption instead of blind saving? If giving up the current life satisfaction is only for the future financial security, then the whole life satisfaction is often not maximized.