Family finance4A lifecycle, it's really too late to see it again!

I used to think that getting married was a simple thing, but it wasn't until I got married that I realized that getting married was not just a ceremony, but more about two people creating a family and working hard for it.
As a newcomer, the understanding of family and family finance by the landlord is divided into4Order:
The first stage, family formation period
The starting point of the time period is marriage, the ending point is childbirth, and the age is25Year old to35Between the ages.
At this stage, people are in a period of career growth, pursuing income growth, and their family income gradually increases. The expenditure is reflected in the fact that due to being young and loving romance, there may be some expenses, such as normal family expenses and reciprocity, as well as some people considering further education for their studies, which is also a significant expense. In addition, most people need to consider monthly mortgage payments and prepare for the next stage of children's birth. "Moonlight Clan" and "Kanu" are common phenomena in this stage.
The most suitable methods for financial management at this stage are money market funds andP2P. Due to the limited balance at this stage, it is necessary to adopt investment methods that balance safety, returns, liquidity, and low threshold in the past two weeks, such as barley wealth management（www.damailicai.com）Stable returns with low risk,100Yuan Qitou11%The annualized returns are also very good.
The second stage, family growth period
The starting point of the time period is having children, and the ending point is having independent children. The age is30Year old to55Between the ages.
At present, we are in the mature stage of our career, with a significant increase in individual income, accumulation of family wealth, and the possibility of inheritance. But there are also many expenses, such as parental support expenses, normal household expenses, reciprocity, children's education expenses, and preparing for one's own health expenses. After having a certain economic foundation, one also needs to consider changing houses and cars.
At this stage, you can consider bonds, funds, bank wealth management, and regular investment funds. You also need to buy insurance products for your family's support, and you can start regular investment to prepare for retirement.
Third stage, family maturity period
The starting point of the time period is children's independence, the ending point is retirement, and the age is50Year old to65Between the ages.
This stage is the peak of career, with individual income reaching its peak and significant accumulation of family wealth. The expenditure is reflected in the cost of parental support, normal household expenses, and reciprocity, as well as considering the cost of purchasing a house for children.
At this stage, it is necessary to adopt a more stable financial management approach, which can consider trusts, bondsP2PStable products such as bank wealth management, with a small allocation of stock assets, can adhere to regular investment in barley wealth management as a reserve for elderly care.



Fourth stage, family aging period
The starting point of the time period is retirement, and the ending point is the death of one party. The age is60Year old to90Between the ages.
Normal income includes retirement pension, alimony, rent expenses, as well as a portion of financial income. Expenditure is reflected in normal household expenses and health expenses, as well as a portion of leisure expenses such as tourism.
This stage is suitable for barley financing, bonds, treasury bond, bank financing and deposits with stable income and low risk.
The economic needs vary at each stage, so the financial management methods may also vary. However, the same emphasis should be placed on family harmony, health, and economic stability. Economic stability is a prerequisite for supporting the normal development of the entire family. As the saying goes, it is easy to start a family but difficult to maintain it. The most precious thing in marriage is to work together with family to make the family better, live happily and happily, isn't it?
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