You can take out 2,500 yuan from the 4,000 yuan every month and deposit it on a fixed-term basis, with step-by-step deposits every month, such as: three months, six months, one year, three years , five years, the remaining 1,500 yuan per month is enough for household expenses. If it is really not enough, you can take your ID card to the bank where you made the deposit and withdraw whichever deposit you think is the most cost-effective, because even if the deposit has not expired , you can withdraw in advance by providing your ID card! Please accept it, thank you!