Seeing that more and more friends around him let their children study abroad, Mr. Hu also sprouted the vision of letting his son graduate from high school to study abroad. At present, Mr. Hu's monthly salary is 30,000 yuan, his wife's monthly salary is 1000 yuan, and his family's daily living expenses and entertainment and leisure consumption are about 25,000 yuan. Every year, Mr. Hu and Mrs. Hu also have about 200,000 year-end bonuses, which are used to honor their parents by 40,000, the tuition, accommodation and meals of their son's private school by 20,000, and the travel and shopping expenses at home by 40,000. In terms of family assets, cash and time deposits are about 200,000, the market value of funds is about 6,543,800+0,000, and the market value of a self-occupied house in the urban area is 3 million. ■ Analysis of financial management objectives: At present, the total annual income of Mr. Hu's family is 680,000 yuan, and the monthly expenditure is 25,000 yuan. By the end of the year, the total annual expenditure was about 400,000 yuan, and the annual household balance was about 280,000 yuan. In terms of family assets, the real estate is 3 million, and the financial assets bank needs to add funds of 654.38+0.2 million. Funds are mainly stock funds and hybrid funds. This is a family with rich annual income, abundant cash flow and considerable accumulation. Mr. and Mrs. Hu retired early, so there is still enough time to accumulate more wealth and achieve short-term and long-term financial goals. The immediate goal is to send my son to study abroad. It is estimated that it will take my son four years to study in the United States. According to Mr. Hu, if there is no scholarship, the annual tuition and living expenses will be more than 30,000 US dollars, totaling 65,438+200,000 US dollars in four years, which is equivalent to about 800,000 RMB at the current exchange rate of 63.62. My son is currently a senior one, and Mr. Hu still has two years to prepare for studying abroad. Because the cost of studying abroad does not need to be paid in one lump sum, the working capital of 200 thousand, plus the balance of nearly 300 thousand every year for two years, can completely pay for my son's study abroad.