You can invest in stocks for 20-30 thousand to play. Don't expect to make a lot of money. After all, the proportion of retail investors making money is only 10%.

You can vote for a fixed base, 500 yuan. After all, your future income will go up.

Insurance can prepare some types of protection for itself. Don't expect insurance to make money. If someone tells you that dividend insurance is very profitable, it must be a liar, because it is only used to preserve value.

You can buy some term life insurance with low payment and high security. You can also combine some serious illness medical treatment with extra hospitalization, because you are the pillar of your family.

Parents don't need to buy old-age insurance. Maybe your parents-in-law are almost 60 years old. Even if you can buy it, the payment is already high. You should start preparing for old-age insurance in your thirties. The earlier you prepare, the easier it will be.

Therefore, it is recommended that you apply for 500 yuan butyl+250,000 guaranteed term life insurance (the payment is around 500 yuan/year)+654.38+10,000 critical illness insurance and 654.38+10,000 guaranteed additional hospitalization (the payment is 5,000 yuan/year).

After the income is high, it will increase.