初入职场,在收入低、消费高的现状下,如何用较少的钱满足自身较高的消费需求,成了当前职场新人急需解决的问题。理财即是指管理好自己的资金并使其保值、增值,从而满足个人更多的消费需求,这是从收入的角度来讲。从消费的角度来讲,理财就是指用一定数量的金钱获得自身更大需求的满足, At the beginning of the job market, under the current situation of low income and high consumption, how to meet their own higher consumption demands with less money has become a problem that the current newcomers need to solve urgently. Money management refers to the management of their own funds and to preserve and increase their value, so as to meet the individual more consumer demand, which is from the income point of view. From a consumer’s point of view, financial management refers to the use of a certain amount of money to obtain greater satisfaction of their own needs,