Personal finance is the process by which individuals achieve their financial goals by planning and managing their own financial resources. It covers income, expenses, savings, investments and many other aspects. Control consumption and accumulate wealth by formulating reasonable budgets and savings plans; reduce risks and obtain returns through diversified investments. Personal finance is not only related to the current quality of life, but also related to future financial security. Mastering personal financial management skills can allow us to better control our own financial situation, achieve wealth appreciation and improve the quality of life.