Children's child-rearing fund can be used as a child-rearing fund by depositing a sum of money regularly through the bank, or by purchasing commercial insurance as an education fund, which can be kept by the bank at any time, which is convenient and flexible. The disadvantage is that it may not last long and may be misappropriated. When out of danger, the principal plus interest is taken out, and it is impossible to make a claim. Insurance is compulsory savings, which can be withdrawn at maturity. The disadvantage is that it cannot be withdrawn, and the principal may be lost if it is withdrawn in advance. The advantage is that the risk can be settled. It is suggested that 10% of income be used for insurance and 30% for savings. Manage money rationally and avoid risks. A good life is a life with insurance.