理财是人们日常生活的一门学问，需要投资者仔细揣摩。理财不是一时冲动，不是投机取巧，也不是凭借运气，而是每个人通过学习和实践都可以掌握的一门学问。擅于理财的人总是能够让自己的财富不断增值，缺乏理财技巧的人即使有家财万贯，也有可能负债累累。在一些西方国家，个人理财或者个人财务策划已经成为一个热门和发达的行业，而且理财收入占到其收入一半甚至更高的比例，由此可见，合理理财就是在创造财富。
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