My family earns 4,000 yuan a month and spends about 3,000 yuan a month. Parents are nearly 70 years old, and junior high school deposits are 654.38+ 10,000 respectively. How to carry out financial pla

My family earns 4,000 yuan a month and spends about 3,000 yuan a month. Parents are nearly 70 years old, and junior high school deposits are 654.38+ 10,000 respectively. How to carry out financial planning? If you want to make financial planning through insurance, you can consider annuity insurance and incremental whole life insurance, which have the advantages of safety, stability and certainty. The benefits are indicated in black and white in the contract and will not be affected by external economic conditions. Sister Xue reminded the subject that the premium budget should not exceed 20% of the annual family income. If you want to know more about financial insurance, you can read this article: What is the difference between dividend insurance, universal insurance and increased whole life insurance? Which is the most cost-effective?