You didn't say how much your family spends every month and how much you can save. For example, if you spend 3000 a month, there will be 3000 left. In that case, since you don't have much money left at present.

A, 1000 yuan to buy fund investment, just close your eyes and buy a big company. Fund investment has compound interest effect. If you are 22 years old, buy a fund investment in 200 yuan every month, and the annual interest is 10%. How much will it be when you are 60? 1 ten thousand! But don't toss the fund to vote, forget it. Besides, it is automatic. It's none of your business.

B, the remaining 1000 yuan can be redeemed at any time to buy fixed government bonds or bond money funds, and the interest is higher than that of banks.

C, if you are a civil servant, get a credit card with a limit of 10000-20000. You can overdraw or withdraw cash in case of emergency. Although the interest rate is high, it is still a way.

D, 1, 000 yuan is left. I'll buy you and your husband a life insurance+accident insurance with a limit of about 600,000. There are many kinds of this kind, some of which can be repaid in a few years and some can be invested. You can pay attention.

E, if you have children, your salary will go up a little. You can buy one for Morgan.

Parent-child investment, as a child's education fund, can buy an accident insurance for children for hundreds of dollars a year.

Perfect combination.