1. Do a good job in budget management: make a budget plan, understand the monthly income and expenditure, ensure that the expenditure does not exceed the income, and avoid excessive borrowing and consumption.

2. Learn to save: Regular saving is the basis of reasonable financial management, and contingency reserve arrangement can be established to cope with unpredictable expenses.

3. Learn basic investment knowledge: learn basic investment knowledge, such as different types of investment products, risk assessment, income expectation, etc.

4. Diversification: Don't concentrate all your assets in one investment product or field, but diversify your investments to reduce risks.

5. Choose investment products according to your own situation: investment products should be selected according to your own risk tolerance, income expectation and capital scale.

For books on financial investment, you can refer to the following books:

1. "Poor Dad Rich Dad": The author Robert Toru Kiyosaki talked about the basic principles of financial management and investment.

2. Buffett's letter to shareholders: the author Warren Buffett tells his own investment philosophy and successful experience.

3. The real classic of the stock market: The author Benjamin Graham is a classic book about value investment, which introduces the basic principles of value investment.

4. "The most important thing in investment": The author Howard Marx described his investment philosophy and investment mentality.

5. Fool who walks at random: The author Burton malkiel tells the randomness of the investment market and the efficient market hypothesis, which is very enlightening to investors.

It should be noted that books are just a way of learning. If you really want to learn how to manage and invest, you need to combine practice and experience.