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　　閔小姐是一所重點(diǎn)大學(xué)畢業(yè)的本科生，目前已經(jīng)工作2年，可月收入并不高，每月到手的只有4000多一點(diǎn)，有五險(xiǎn)一金，年底雙薪。在生活開支方面，算上房租，閔小姐每月一共支出2500元左右。目前有現(xiàn)金和活期存款約2萬元，身邊有一張2000元額度的信用卡，用于日常購物。



　　理財(cái)目標(biāo)



　　閔小姐想積累更多的資金，可以考慮除了工資收入外，再依靠兼職增加收入。同時(shí)，希望把現(xiàn)有的閑置資金充分利用起來。



　　理財(cái)分析



　　1.收入不高的根源，并非專業(yè)不佳



　　通過與閔小姐的進(jìn)一步溝通獲悉，雖然畢業(yè)于**大學(xué)，按說找一份好工作并不難，但她認(rèn)為導(dǎo)致當(dāng)前收入不高的主要原因，跟所學(xué)專業(yè)不理想有很大關(guān)系。不過好規(guī)劃理財(cái)師認(rèn)為，三百六十行，行行出狀元，既然當(dāng)初選擇了這一專業(yè)，就要狠下心“一條道走到黑”，隨著經(jīng)驗(yàn)的積累，能力的提高，哪一行當(dāng)都有拔尖兒的人，收入自然會增加。如果確實(shí)發(fā)現(xiàn)這個(gè)專業(yè)或者現(xiàn)在從事的工作并不是自己的興趣所在，也不要勉強(qiáng)，重新開始職業(yè)規(guī)劃，明確自己到底對哪一行更感興趣，現(xiàn)在開始也不晚。

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