Financial advice: 1. In terms of family insurance, according to the social security medical situation, the husband and wife buy critical illness insurance, additional hospitalization medical compensation insurance and comprehensive accident insurance respectively, the husband buys dividend-paying commercial endowment insurance, and the children buy Xue Ping insurance. 2. Regarding real estate investment, generally speaking, the proportion of real estate in total household assets should not exceed 70%, otherwise the asset structure will be unbalanced. Once the interest rate rises,

House prices have fallen, family assets have shrunk, and family finances are unsafe. Moreover, idle assets should be leased and revitalized, otherwise they will become the precipitated assets of the family. 3. Regarding the allocation of financial assets, in addition to keeping the necessary deposits, if you have no financial management experience, the remaining funds can first set foot in fixed-income banks with low risks.

Wealth management products, capital preservation funds, etc. Long-term wealth management income provides funds for husband and wife's pension. 4. Provide college education funds for children by means of fixed investment. We can choose the adjusted relative low point of the securities market as the starting point of fixed investment, and choose index and allocation funds for long-term investment.