With a monthly income of more than 2,000 yuan, all five insurances are covered. At the end of the year, the bonus is about 6000, and the wife Taobao earns about 3000. I have bought a house with a floor space of 100 square meter during the insurance suspension period, and I pay 90% of the loan every month. You husband and wife must buy yourself enough protection first. When considering other things, and you want to have children, your wife's insurance coverage must be bought before pregnancy, so increase it! I just read in the newspaper today that a pregnant woman died suddenly because of amniotic fluid embolism. Adults and children are hopeless, and risks are everywhere. Otherwise, it's all looking at flowers in the fog, fishing for the moon in the water and castles in the air! This is also a sense of responsibility between husband and wife! Social security is the foundation, otherwise even steamed bread and pickles will not dare to think about it in the future. You'd better continue. How to continue? Ask yourself.

Cars are consumables. If buying a car can increase the family's net income, then you must buy a car, which can also improve the quality of life. If it's just to pursue the trend, not good! Rich people ride bicycles! Many people can't afford cars. Pull over the BMW and rent it out ... speechless.

Considering the security, I suggest that you pay off part of the mortgage in advance, thinking that you will pay off the mortgage in the next five years. In the first two or three years, the bank interest will basically be paid, and the principal will be paid in the last two years. Now the bank has raised the loan interest. Repay the loan in advance and reduce interest expenses. You have 30,000 yuan in the bank now. According to your current monthly payment to 900 yuan, it will be 54,000 yuan in five years. Your deposit income minus loan interest = negative! !

Summary: Buy critical illness insurance, accident insurance, accident medical insurance, etc. Increase the amount of personal insurance before your wife gets pregnant, and you should buy it yourself. Your wife is yours, and it has nothing to do with me. Whether to buy it or not depends on your choice.

Pay back the mortgage in advance and reduce the hidden expenses of the family

If the bank has a 90-day short-term deposit, or 180-day short-term deposit, you can consider it, but you should be clear about it yourself. After all, it is your money, not mine. Prepare for the birth of the child and prepare for the education fund of the child.

If you still have money at this time, buy a car. Motorcycles, electric cars, bicycles and cars are all ok.