Personal opinion: 1. At this time, you should consider your own pension plan. In addition to national endowment insurance, you can choose commercial insurance and fixed investment funds. , fixed monthly consumption 1500 yuan. \r\n2, children's training in the next 10 years needs more time and care from parents. I think it's better to spend more money on children's training, see what he likes, take him out to play more, and buy more books and magazines. \r\n3, if you plan to buy a house, 20w is not too much. If you don't buy it, you can choose to share the risk reasonably and make multiple investments.