个人观点，对于理财而言，有两个主要目的。一是，抗通货膨胀；二是，复利。如果能够通过合理理财，提早达到财富自由的状态，是再好不过的事情了。当然每个人的金钱观都是不同的，以下提供一些合理的理财方法，仅供参考。

  1. 还清债务。大多数的债务是需要支付利息的，高额的利息也是有复利的效果的，让你很难爬出欠债的陷阱。个人观点，当你的债务利率高于通货膨胀率时，应该最优先的把高利率债务还清。
  2. 使用信用卡。合理使用信用卡可以帮助自己积攒信用。同时大多数的信用卡在使用时会有积分奖励，合理的使用信用卡积分也可以帮助自己省下一笔不小的费用。
  3. 定期存款。我们可以在银行、信用社、券商购买Certificate of Deposit，每个月会有固定的利息收益。当这个存款利率接近通货膨胀率时，我们的存款就有了抗通货膨胀性。
  4. I bonds 或 TIPS bond。我们可以通过购买I bonds 或 TIPS bond 来抵抗通货膨胀，这两种产品由美国政府提供，具有可靠的抗通货膨胀性和安全性。
  5. 401(k) 或 IRA。购买401(k)或是IRA，首先可以帮助自己合法避税；其次我们可以使用这些账户来购买股票、基金、债券等不同的金融产品，来帮助自己达到抗通货膨胀或是复利的目标。当我们开始购买金融产品时，尤其是股票产品时，我们对于金钱的管理目的已经开始转向为投资，也就意味着更大的盈利风险或是亏损风险。

以上介绍的方法，偏向于保守的个人理财。如果你是对于高风险高收益的投资更为感兴趣，美国作为一个相对成熟的金融市场，同样有着多样的金融产品可供选择，比如股票、房地产、初创公司投资、等等。当然，天上不会掉馅饼，当你进入高风险投资领域时，你的竞争对手是专业的投资专家，你需要有扎实的经济学基础、可靠的信息来源、准确的判断能力方能与之一战，当然少不了好运。

Personal opinion, regarding financial management, there are two main purposes. First, to hedge against inflation; second, compound interest. It would be great if one could achieve financial freedom early through sensible financial management. Of course, everyone has different views on money. Below, some reasonable financial methods are provided for reference.

  1. Pay off debts. Most debts require interest payments, and high-interest rates also have a compounding effect, making it difficult to escape the debt trap. In my personal view, when your debt interest rate is higher than the inflation rate, it should be a top priority to pay off high-interest debts.
  2. Use credit cards. Using credit cards sensibly can help you build credit. Additionally, most credit cards offer rewards points when used properly, which can help you save a significant amount of money.
  3. Certificate of Deposit. We can purchase Certificate of Deposit from banks, credit unions, or brokerages, which yield a fixed interest income every month. When the interest rate on these deposits is close to the inflation rate, they serve as a hedge against inflation.
  4. I bonds or TIPS bonds. We can purchase I bonds or TIPS bonds to hedge against inflation. These products are provided by the U.S. government and offer reliable inflation protection and safety.
  5. 401(k) or IRA. Purchasing a 401(k) or an IRA can help you legally reduce taxes. Moreover, we can use these accounts to invest in various financial products such as stocks, funds, bonds, and more, to achieve the goals of hedging against inflation or compounding. When we start investing in financial products, especially stocks, our money management goals begin to shift towards investment, which implies greater profit or loss risks.

The methods mentioned above lean towards conservative personal finance. If you are more interested in high-risk, high-return investments, the United States, being a relatively mature financial market, offers a variety of financial products to choose from, such as stocks, real estate, investments in startups, and more. Of course, there are no free lunches; when you enter the high-risk investment field, your competitors are professional investment experts. To compete with them, you need a solid foundation in economics, reliable sources of information, and accurate judgment, not to mention a bit of luck.