Làm thế nào để giới trẻ cân bằng giữa tiêu dùng, tiết kiệm và đầu tư? Cùng nghe các chuyên gia trong ngành nói gì

【区块律动】Young people’s earning ability is usually limited in their youth, but this does not mean they cannot accumulate wealth. The key is to find your own balance point.

Many people are indecisive between consumption, savings, and investment. Some overspend, living paycheck to paycheck; some are afraid to spend money, depositing all income into the bank; others invest blindly, ending up with nothing. In fact, all three are important, the issue is how to allocate them.

It is worth mentioning that the scope of investment is much broader than people imagine. Financial investment is just one part; more importantly, invest in yourself—learn new skills, improve professional abilities, and broaden your horizons. In your youth, you have enormous future earning potential, and for this reason, taking moderate risks is a wise move.

Reading is the most fundamental way of learning. Through reading, you can absorb the experiences and lessons of predecessors. The book 《零余额死亡》 offers a deeper explanation of how to allocate money, and is worth a read.

In summary, do not over-save—many people’s common problem is saving money to the extreme, resulting in resources not being used to their full potential. Invest part of your resources in self-development and honing yourself; this is the smartest choice in youth. Once risk management is in place, returns will naturally follow.