In this way, Miss Liu is still very happy, her family is in good condition and she has bought insurance. Her parents should have social security such as endowment insurance. I wonder if her parents bought medical insurance. If not, I would mind buying a medical insurance for her parents. In addition, the current deposit is 265438+100000, which is a bit wasteful. It's good to buy a money fund, 10 times the current interest, especially the risk is low. As I may buy my own house in the future, I suggest converting my current account of 265,438+0,000+65,438+0,000 into a low-risk money fund or a highly liquid fixed-income product with an annual interest rate of about 5-6 points. Of the balance of 3,500 yuan per month, 1500 yuan can be used as a fixed investment fund or time deposit, and of course it can also be operated separately. 1000 yuan can be fixed investment, and 500 yuan can be fixed deposit. The remaining 2000 yuan and year-end bonus can be used for charging, traveling or taking parents out for a trip. When paying for study fees or travel expenses, it is recommended to swipe a credit card, so that the funds flow is good and the points can be exchanged for gifts. This is probably the case, and more detailed financial suggestions are needed.