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一个完整的家庭财务规划包含应急准备、长期保障、子女教育、退休养老四个基本规划。只有在做好了这4个基本规划的基础上再进行其他规划才能保证家庭财务有健康的根基。刘先生,39岁,月收入1.8万元,年底奖金3万元,月生活支出5000元;刘太太,37岁,月收入1.1万元,年底奖金2万元,月生活支出4000元;女儿9岁,月生活支出2000元。夫妻二人拥有自住房1套,市价200万元,尚余21万元房贷未偿
A complete family financial plan contains four basic plans: emergency preparedness, long-term protection, education for children and retirement. Only after we have done these four basic plans can we make other plans to ensure a healthy foundation for family finance. Mr. Liu, aged 39, monthly income of 18,000 yuan, the end of the bonus 30,000 yuan, monthly living expenses 5,000 yuan; Mrs. Liu, 37 years old, the monthly income of 11,000 yuan, the end of the bonus 20,000 yuan, monthly living expenses 4,000 yuan; daughter 9 Years old, living expenses 2,000 yuan. Two couples own a set of housing, the market price of 2000000 yuan, 210000 yuan remaining mortgage outstanding