1, first sort out the background: because the subject did not say how much the monthly living expenses are, what is the general consumption level. Then I assume that my family gives me 2000 yuan a month for living expenses (which belongs to the middle level)

2. Plan four basic deposit account. First, explain the meaning of the following four accounts: cash account, mainly to meet daily consumption expenses, occasional large consumption, repayment of loans (mainly consumer loans in the case of college students), and emergency reserve (this requires 3-6 months of daily expenses as a fund reserve to deal with emergencies). Security account, hence the name insurance account, the basic types of insurance: life insurance, accident insurance, medical insurance and critical illness insurance. This account is a special account for special purposes, such as 1 year, short-term preparation of travel funds, and preparation of overseas funds after 3 years. Long-term preparation of children's education fund and future pension planning. Finally, the value-added account, that is, the Qian Shengqian account. This part can be used for long-term investment planning, so equity investment can be preferred. That's the situation of students: cash account, consumption expenditure is roughly 1000 yuan; Insurance account, college students should have school medical insurance. If they can afford it according to the current economic situation, they should buy accident insurance first (one-year regular accident insurance is very cheap, a few hundred can be done, and the insurance amount is high). If the capital ratio does not exceed 10%, 300 yuan will buy accident insurance first. . Of course, it is also suggested that if conditions permit, it should also be equipped with critical illness insurance. Life insurance is generally the backbone of the family, and people who bear major economic responsibilities buy it. At this stage, it is not mandatory. Just like a battle on the battlefield, wealth planning is like our food and grass, and investment is like a bitter battle on the frontal battlefield. You have never seen a general lead troops to fight before, and there is no guarantee for food and grass in the rear. We must ensure the safety of grain and grass in the rear, so that we can go to the battlefield with peace of mind. Otherwise, we may be forced to retreat at any time because of lack of food and grass. Because of the urgent need for money, I was forced to sell my financial assets at a low price.