Insurance: Parents' medical insurance in 500 yuan every year, and couples' accident+serious illness insurance every year1* *1000 yuan.

120000 yuan deposit, and 10000 yuan deposit in the bank for seven days. Ten thousand to buy a money fund. 2.25% annualized

50,000 yuan to buy 3-year treasury bonds, annualized 5.6%.

30,000 bond funds are annualized by 7%, and 20,000 stocks are annualized by 10%.

The overall annualized income is around 6%.

Pay off 6000 mortgage every month, 10 years.

Give your child a fixed investment every month 1000. There is about 30W after 15.

Set aside 200 yuan every month to cope with the increase in consumption caused by inflation. 500 as unexpected expenses such as human feelings and holidays.

The remaining 8000 is invested in bond funds and equity funds according to the ratio of 3: 1. About 8% per year. You can buy a car in two years.

It doesn't matter if you buy it for two or three years. After buying a car, it will only increase the cost of car supply. After that, let's continue to vote.