Group 1 - In 2025, the balance of household deposits exceeded 156 trillion yuan, showing a year-on-year increase of 14.3%, but the reality is that this "money bag" is riddled with issues as the real estate market collapses and prices plummet [1] - The decline in deposit interest rates, with three-year fixed deposit rates dropping from 3.5% to 1.95%, has led to a situation where depositors' earnings are being eroded by inflation, as indicated by the central bank's report on financial stability [2] - The shift of deposits to the wealth management market is evident, with public fund issuance increasing by 47% year-on-year in the first half of 2025, as low bank interest rates push individuals to seek higher returns [3] Group 2 - The financial market is experiencing a "bloody hunt," with significant losses reported in the A-share market, where the total market value evaporated by 26.94 trillion yuan, leading to severe consequences for investors, particularly the elderly [4] - High household debt levels, with a leverage ratio of 61.5%, are contributing to consumer anxiety, as rising living costs outpace wage growth, forcing families to cut back on spending [5] - Strategies for protecting personal finances include ladder savings methods and defensive investment strategies, emphasizing the importance of avoiding high-risk investment products that promise unrealistic returns [6]