Group 1 - The core viewpoint emphasizes the importance of preserving existing wealth rather than seeking quick profits in an uncertain economic environment [1][4] - The article highlights that many individuals are now more cautious with their savings, as evidenced by a significant increase in deposits, totaling 11.09 trillion yuan from January to July 2025 [3][4] - It points out the declining interest rates on fixed deposits, which have fallen below 2%, while living costs continue to rise, leading to a gradual erosion of purchasing power [3][4] Group 2 - The article suggests strategies for smart money management, including maintaining liquidity by not locking all funds in long-term deposits and keeping emergency cash reserves of 40,000 to 60,000 yuan [6][7] - It introduces the "1234 rule" for financial allocation: 10% for short-term expenses, 20% for insurance, 30% for higher-risk investments, and 40% for stable, long-term returns [6][7] - The importance of investing in personal development is emphasized, as skills and health are seen as invaluable assets that do not depreciate [8][10]