闵小姐是一所重点大学毕业的本科生，目前已经工作2年，可月收入并不高，每月到手的只有4000多一点，有五险一金，年底双薪。在生活开支方面，算上房租，闵小姐每月一共支出2500元左右。目前有现金和活期存款约2万元，身边有一张2000元额度的信用卡，用于日常购物。



　　理财目标



　　闵小姐想积累更多的资金，可以考虑除了工资收入外，再依靠兼职增加收入。同时，希望把现有的闲置资金充分利用起来。



　　理财分析



　　1.收入不高的根源，并非专业不佳



　　通过与闵小姐的进一步沟通获悉，虽然毕业于**大学，按说找一份好工作并不难，但她认为导致当前收入不高的主要原因，跟所学专业不理想有很大关系。不过好规划理财师认为，三百六十行，行行出状元，既然当初选择了这一专业，就要狠下心“一条道走到黑”，随着经验的积累，能力的提高，哪一行当都有拔尖儿的人，收入自然会增加。如果确实发现这个专业或者现在从事的工作并不是自己的兴趣所在，也不要勉强，重新开始职业规划，明确自己到底对哪一行更感兴趣，现在开始也不晚。

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