The scientific optimization of university education requires state financial support. This paper designs a model for optimizing financial education expenditure and university education based on finite differential equations. This paper comprehensively uses finite element analysis, differential equations, and other methods for robustness analysis. This can eliminate the effect of outliers in the financial expenditure of university education and the endogeneity problems caused by population mobility. At the same time, this paper makes a rigorous demonstration of the stability of the model by using the combination of numbers and shapes. Finally, this paper obtains a conclusion that is consistent with the strength of the educational innovation system.