For ordinary people, both of these are equally important must-haves—and what can be called the optimal solution is not managing money or saving money, but earning money!

If you have a certain amount of savings, you can manage money while saving money. Don’t move your previous savings. You can allocate half of your income for investment every month, and operate according to the ups and downs. Even if you lose money, it will not have any impact on your fundamentals.