The monthly income is fixed at 4,000 yuan, and the insurance pressure is somewhat high. Comprehensive insurance is at least in 500 yuan every month, and general companies have corresponding universal insurance. Just ask universal insurance directly. For example, a peaceful and intelligent life.

According to your current income, if you are really worried about accidents, you can buy consumer accident insurance, which pays less, but the money is not refundable, and it is only useful if there is an accident.

I suggest that you consolidate your income first, and it is meaningful to insure your income to a certain extent.

You can make a fixed investment first, and you can buy a fund linked to the broader market. The bear market has been so long that there will definitely be a bull market between 5 and 10.