This life, each stage has things to do and distances that can be calculated.
The inheritance should not be just money, but things that can continuously generate value.
Not "How much money to save for my child," but "What I leave for him, will it still be useful in 20 years?"
Verification Signals (count as valid if two or more are met):
· No emergency fund in the family (less than 3 months of expenses)
· Purchased financial insurance for children (locked money, low yield)
· Mixed the child's money with household expenses
Definition of Asset
This stage, the child does not have "money," but already has two types of assets:
① Configured by parents: Educational funds (special fund for appreciation), insurance (children's medical insurance + critical illness)
② Naturally owned by himself: Attention, curiosity, security
The second type is often ignored, but it is the thing that determines whether he can continuously generate value in 20 years. The most common mistake made by parents is to replace accompaniment with money - buy a lot of courses, but not give time.
This money can really last until he grows up
He will not lose his choice because of lack of money
I leave useful things
Definition
Educational Fund Reserve Months · Insurance Coverage · Completeness of Parents' Own Insurance
How to Calculate
Reserve ÷ Monthly Family Expenditure; Check if children's medical insurance + critical illness are fully covered
Healthy Range
Reserve ≥ 12 Months of Expenditure · Children's Medical Insurance + Critical Illness Fully Covered · Parents' Own Insurance Prioritization
Buy for the child first, adults have no protection —— If adults have an accident, the child will have nothing
Buy financial insurance as savings —— Locked money, low yield, loss of principal when surrendered
Use buying courses to replace accompaniment —— Courses buy comfort, not ability
Mix money with household expenses —— It will definitely bemisappropriated
Only save money and not leave ability —— Money will run out, ability will not
First step: Family emergency fund ≥ 3 months (if this is not done, everything else is off the table)
Match children's medical insurance + critical illness (hundreds of yuan to solve major risks)
Set up a separate educational fund account, only in, not out
Set aside real time to accompany him every day - this is the most expensive asset
Remember: Leave ability > Leave habit > Leave money
This page does not collect any of your asset information. All indicators are proportions and multiples, you can calculate them in your mind, no need to input, will not upload.