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The new term “ant tribe”, is referring to a social group of low-income college graduates that are in search of work and livelihood in the big cities (Lian Si, 2009). It is estimated this social group has already surpassed more than 3 million people, with a rapidly increasing rate of 0.2-0.3 million people a year. The investigation carried out on the issues of “ant tribe”, involved 327 people including 192 in the “ant tribe” group. The survey put forwards that this social group has three typical characteristics and four basic social features. The psychological state has been analyzed from three aspects and the author from the financial professional viewpoint proposes some advices for their personal finance

China’s “Ant Tribe” Present Social Survival Situation and Personal Financial Advice