总感觉钱不够用？找到你的财富“舒适区”

Group 1 - The article emphasizes the importance of financial planning at different life stages, highlighting the need for a balance between current living expenses and future savings [2][6][10] - It suggests a structured approach to savings and investments, including maintaining an emergency fund covering 3 to 6 months of living expenses and diversifying investments based on risk tolerance [3][7][11] - The concept of "time as a friend" is introduced, advocating for the benefits of compound interest over time [4][12] Group 2 - The article outlines the characteristics of different life stages: early career, middle age, and approaching retirement, each with unique financial responsibilities and investment strategies [2][6][10] - It stresses the need for stable cash flow and risk management, particularly in middle age, to cover essential expenses like housing, education, and healthcare [7][11] - The importance of a scientific asset allocation strategy is highlighted, which includes active management and regular reviews to adapt to changing financial situations [13]