You owe 90,000 yuan. How long is your repayment period? Put this aside for the time being.
If you want to have a baby in two years' time, you should start saving the cost of having a baby now. Now, generally, from the physical examination during pregnancy to delivery (in Shanghai), the physical examination in a public secondary hospital, living in an ordinary room, the natural delivery is about 5,000 yuan (not counting the various supplements added during the period), and the caesarean section is about 1 10,000. If you want to go to a private hospital or a hospital with better conditions, the cost will rise. Prepare 20,000 yuan as the cost of having a baby, and deposit 2,000 yuan in the monetary fund every month. The interest rate is higher than that of the bank, there is no risk and redemption is convenient. You can save it for one year, and then you don't have to save it. Bb can be extracted and used when it is available.
If you make a fixed investment of 65,438+0,000 yuan per month, you can choose a stock fund or an index fund and get a relatively high return of 8%-65,438+00%.
You should also prepare a family reserve fund of 10000 yuan and deposit it in the bank regularly.
Insurance for two people can also be considered, such as critical illness insurance and life insurance, so take precautions.
That's all for now.