【财富运转1】什么是个人理财（[fortune runs 1] what is personal finance）.docVIP

【财富运转1】什么是个人理财（[fortune runs 1] what is personal finance） The operation of wealth: what is personal finance? [opening] what exactly is personal finance? Personal finance is a process of achieving personal goals through proper management of financial resources. It is a unified, coordinated program designed to achieve overall financial goals. This plan is very long, there are three meanings: first, the core financial resources, to be aware of their financial resources are available; second, life goals, must have a clear understanding of their own life goals; third, there must be a series of coordinated planning, to ensure that all plans are not conflict, coordination to achieve. Core issues include insurance plans, investment plans, education programs, income tax plans, retirement plans, and real estate plans. Manage all your plans with cash flow, coordinate all plans, and make all plans meet your cash flow. Thats the core of personal finance. So what should personal finance do? It is divided into five major steps: [first] draw up financial goals. This should be a lot of considerations, first of all, this financial goal to quantify, for example, to buy a house, this is not a financial goal? This is not. To buy a house worth a lot of money, to buy a house after three years, or next year to buy a house, this is a financial goal, that is to quantify, to have a concept of time. At the same time, you can imagine what it would be like to live in this house, which would help you achieve your ideal goal. The real goal of financial management is a quantifiable, time bound goal. [Second] review your assets. What is the review of asset status? Just to see how much money you have in the world. One is how much money you have in the past and how much money you will have in the future. Look at your assets is not in line with their own needs, your balance is not reasonable, can not let the financial structure of the more rational use of some financial leverage, this is the review of