1, part "Hull": Necessary living expenses, with a total expenditure of at least three months as a reserve fund, in case money is needed at any time, and cash or cash equivalents with good liquidity (bank demand deposits, part of which can be monetary funds);

2. "Lifebuoy" part: The necessary support expenses, in addition to the insurance purchased by the company, should also consider accident insurance/major illness insurance to prevent accidents/major diseases from causing heavy losses; It is best to buy Corning's lifelong critical illness insurance for parents.

3. "Sailing" part: In the investment part (after deducting the living expenses and insurance), it is recommended to invest in 500 yuan every month for the education expenses of future children (consider the China Small and Medium Board ETF, which is the largest fund company with outstanding and stable overall performance; Small and medium-sized board index funds grow well), and other money is invested in stocks and equity funds.