理财 (lǐ cái): управлять деньгами

Since they got married, the couple sits down together every month to manage their money, dividing their salaries into three parts: savings, investments, and daily expenses.

When I first started working I had no idea how to manage money—my salary was gone as soon as I got it—and only later, after following some online courses, did I gradually learn to track my spending and save.

My dad often tells me that managing money isn't something you start once you're rich; you have to build the habit from your very first paycheck.

In order to save enough for their daughter's study abroad, the couple hired a professional financial advisor and rearranged the family's investment plan.

After retiring, my mother shifted the focus of her money management from making money to protecting her capital, buying only low-risk bank products for peace of mind.