Hello, I can call you brother, hehe, first of all, I'm not an expert, and I'm studying investment and financial management recently, so I want to share what I've learned. Does your girlfriend have a job? Your monthly income is 2500 yuan ... according to your current situation, you are 27 years old, with savings, unmarried and no room. (Me too) What you have to face in the future is getting married, buying a house and having children. First of all, according to your income, having children and buying a house can be postponed temporarily, but don't ignore the best reproductive period of the woman. I plan to have a baby at the age of 29, so that I can have the only time here. I suggest that you strictly control your daily expenses. I plan to use 40% of your income for daily expenses, 30% for venture capital, 20% for regular savings, and 65,438+00% for commercial insurance or money funds. In terms of deposits, it is far from enough to eat bank interest. It is suggested to prepare an emergency fund for daily consumption for four months first, and then buy a monetary fund of 10 thousand yuan. What is a money fund? You can check it online. The only advantage is that you can get it back at any time and the annual income is equivalent to the one-year fixed deposit interest rate, and then the rest of the money is used to buy funds, recommend index funds or stock funds. If you don't understand, you can look it up online. The estimated annual rate of return is around 20%. It is recommended to buy a portfolio fund. In other words, buy different types of funds to combine, such as buying some index funds and stock funds, so as to share the risks equally. The 30% venture capital mentioned above is also a fund purchase, but it is a fixed investment fund, that is, a certain fund can be purchased regularly every month. Check the network specifically, provided that this kind of investment belongs to long-term investment, and the general cycle is three to five years. Similarly, through different fund combinations. In the long run, this is not a small number. I hope you can achieve your goal soon.