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　　閔小姐是一所重點大學畢業的本科生，目前已經工作2年，可月收入并不高，每月到手的只有4000多一點，有五險一金，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。



　　理財目標



　　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，希望把現有的閑置資金充分利用起來。



　　理財分析



　　1.收入不高的根源，并非專業不佳



　　通過與閔小姐的進一步溝通獲悉，雖然畢業于**大學，按說找一份好工作并不難，但她認為導致當前收入不高的主要原因，跟所學專業不理想有很大關系。不過好規劃理財師認為，三百六十行，行行出狀元，既然當初選擇了這一專業，就要狠下心“一條道走到黑”，隨著經驗的積累，能力的提高，哪一行當都有拔尖兒的人，收入自然會增加。如果確實發現這個專業或者現在從事的工作并不是自己的興趣所在，也不要勉強，重新開始職業規劃，明確自己到底對哪一行更感興趣，現在開始也不晚。

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