According to the analysis, there are two financial goals or financial needs at present.

First: As the main source of family income, it is not enough for you to rely on social security insurance. It is recommended to buy dividend insurance, but the specific types of insurance are not recommended here because your personal ability is limited.

Second: In view of your "moonlight" behavior, I suggest that you make a fixed investment in the fund every month. The fixed investment of the fund is the best way of "moonlight" behavior. .

The fixed investment given to children every month can be used as the starting capital for their future education. It is recommended not to make fixed investment deposits. You can go to the bank to buy a fixed investment fund for education, usually from the age of 4 to 18. If you can, make a fixed investment according to your child's age at college.

In fact, if you go to some third-party wealth management companies for consultation, the general financial planner will give you a financial analysis, and then give you a plan on how to buy various wealth management products, including how much to buy and so on. , all in detail.