Group 1: Consumption Habits - The importance of enhancing savings awareness among young people, who are often influenced by premature consumption, is emphasized, highlighting the need to prioritize savings over unrealistic wealth fantasies [3] - Establishing a habit of forced savings by setting aside a portion of income before spending is recommended, even if the amount is small, as it can accumulate over time [3] - Avoiding impulse purchases by delaying buying decisions and reassessing the necessity of items after a cooling-off period is advised [3] Group 2: Financial Management and Investment - Utilizing modern technology for financial management through personal finance apps and automated investment platforms can enhance wealth accumulation efficiency [4] - A diversified investment strategy is recommended, including traditional savings, bank financial products, money market funds, government bonds, and gold investments to mitigate risks and improve potential returns [5] - Continuous self-improvement and skill enhancement are crucial for increasing income and career development opportunities [5]