每日钉一下（人生不同阶段，如何做好财富规划？）

Group 1 - The article emphasizes the importance of starting investment journeys with index funds and offers a free course on investment techniques for index funds [2] - The course includes notes and mind maps to help participants understand the course structure and learn more efficiently [2] Group 2 - The article discusses wealth planning at different life stages, highlighting the need for stability in retirement and the accumulation of initial capital through human assets in youth [7][8] - It suggests that middle-aged individuals focus on effective investment strategies after accumulating a certain amount of wealth [9]