个人对财富的运用(支出),包括4个方面,即消费、投资、缴税和慈善,财富可定义为下述模型:W(财富)=C(消费)+I(投资)+T(缴税)+B(慈善)经济学研究方法概括起来可以分为两大类:一类偏重于数学模型推导;一类偏重于语言逻辑推理。数学方法相对简洁严谨,语言推理让人容易理解。对家庭财富管理的研究,目前大多采用语言式逻辑阐述,用数学模型推导还比较少。由美国经济学家弗朗科·莫迪利安尼提出的生命周期消费理论可以说是理财理论的一种经典模型。该模型被 An individual’s use of wealth (expenditure) includes four dimensions, namely, consumption, investment, taxation and charity. Wealth can be defined as the following model: W (wealth) = C (consumption) + I (investment) + T Tax) + B (philanthropic) Economics research methods can be summed up in two broad categories: one is more emphasis on mathematical model derivation; one is more emphasis on linguistic logic reasoning. Mathematical methods are relatively simple and rigorous, language reasoning makes it easy to understand. The study of family wealth management, most of the current use of language logic elaborates, using mathematical models to derive is still relatively small. Life cycle consumption theory proposed by American economist Franco Modigliani can be regarded as a classic model of financial management theory. The model is