How should young people in Beijing, Shanghai, and Guangzhou save their first bucket of gold?

Beijing, Shanghai, and Guangzhou have always been the dreams pursued by the Party after graduation. Many people choose to develop in these places as soon as they graduate, after all, the opportunities are much greater than in second - and third tier cities, and the wages and living standards are also higher. But at the same time, in these places, the pressure of life will also be much greater.
The building owner has a friend in Beijing who works in an Internet company and works in a civilian position(Data analysis)It takes about a month to get it9000Occasionally doing tutoring on weekends to earn some extra income.2014year3She graduated with a master's degree every month and has saved about10Ten thousand. She told melzHer expenses:
Essential expenses include monthly rent, living expenses, and social expenses.
Monthly rent: Due to traffic congestion in first tier cities, she rented a house in a place that can be reached by the subway in about an hour, and chose to share it with trusted friends. She moved three times and the rent was1500-2000Between now, the rent for the newly moved place1700Yuan.
Living expenses: Living expenses include water, electricity, broadband, food expenses, telephone bills, and transportation expenses. Water, electricity, and broadband take approximately one month300About yuan, eat according to daily schedule40Yuan's standard, one month1200Yuan, phone bill per month50Yuan, transportation fee is calculated on a daily basis10Calculated around yuan, according to22Calculated on a working day basis, approximately220Yuan, given that we occasionally go out and eat with friends on weekends, we will follow the300Calculate, what is the total cost of living for this300+1200+50+220+300=2070(element).
Social expenses: This mainly refers to friends getting married and having children, which are shared equally every month200.
There are also some expenses, such as improving life and wanting to buy fruits, clothes, and daily necessities, which are shared equally every month500Left and right. So, the total expenses are1700+2070+200+500=4470(element)。
So every month, I can save a net amount in my hands4000About, including her tutoring income, her tutoring income is generally around2000About yuan, so it can be stored net6000Left and right. So, how does she manage her finances?
She chose the one that most people are currently investing inP2PBecause the threshold is low, the overall income is still good, and you can earn a lot in a year. She invests in state-owned assets+Da Mai Wealth Management under the Background of Listing（www.damailicai.com）Annualized income12%The security is also very good. In addition to the monthly savings and part-time income, investment and financial management can also bring her a considerable amount of wealth.
Living in high consumption cities like Beijing, Shanghai, Guangzhou, and Shenzhen, one must learn to plan every penny reasonably, otherwise it is easy to become a moonlight clan.
I don't know how to choose investment and financial management? You can take a look at this:
https://www.damailicai.com/party ... ;cid=cpc-outlink-lt








I don't know how to persuade my colleagues because it's a matter of family values. Fortunately, the landlord pays great attention to the values and outlook on life of the children when educating them. From a young age, the children have been exposed to financial management, and everything they need must be obtained through their own efforts. Six months ago, they also invested in state-owned assets+Barley Wealth Management with IPO background, annualized returns12%That sounds pretty good, and the owner also saves a lot of trouble.
LzI sincerely want to tell today's college students that getting into college does not necessarily mean you are very talented, humble learning is the right thing! Less vanity and comparison is the right thing!