At what age will people realize the importance of money?

At the age of 30, you will know the importance of money.

Because 30 years old is the most critical period of family structure change and workplace struggle, it has to face various pressures such as economy, workplace, life and interpersonal relationship. A bad one may face a situation of falling short.

Tell a very realistic example: former colleague Xiaoming got married two years ago. At the age of 30, a baby boy was added to the family. His wife resigned in order to take care of the children. Although his monthly salary is 9000 yuan, except for the mortgage, baby expenses, car gas expenses and family expenses, there is not much left every month.

At this time, my wife was hospitalized due to illness, and tens of thousands of medical expenses suddenly wiped out the money saved. And now I have to take time off to take care of my wife and children, and my salary for that month is basically ruined. ...

And things like Xiao Ming are not a case. In our country, there are thousands of such Xiaoming in Qian Qian, and they live an affluent life.

This is a 30-year crisis in many people's minds!

At the age of 30, you will know the importance of money!

The desperate businessman sat on the stairs in despair.

Because once you get sick or have an accident, the insurance company will give you a lot of money for treatment and emergency. As the saying goes, it is much easier to protect 500 thousand than to earn 500 thousand

So at this time, security work must be done well.

So what should protection do?

Take a family of three like Xiao Ming as an example, and briefly talk about how to configure insurance:

First of all, the guaranteed life insurance that needs to be purchased, if the economic conditions can, is best to add accident insurance.

In this way, in the event of an accident, you and your family will not suddenly get into trouble. In terms of premiums and insurance coverage, we can consider using 5% of annual income to buy life insurance products equivalent to 5- 10 times the annual household income.

If both husband and wife have purchased regular or whole life insurance, they can also consider increasing the purchase of critical illness insurance and attaching a higher proportion of health insurance.

If you are the "pillar" of your family, the coverage of life insurance should be about 10 times of your annual income, while the coverage of critical illness insurance should be five times of your annual income.

At the age of 30, you will know the importance of money!

The RMB exchange rate hit a new high for the 26th time during the year, with a cumulative appreciation of 2.26%.

In this way, in the event of misfortune, family income is guaranteed for at least 10 years; Once the "pillar" falls ill, his medical expenses and his family's livelihood can also be guaranteed during the next five years of rehabilitation.

Secondly, for the "wife" at home, you need to take out additional critical illness insurance in whole life insurance, and you'd better buy another hospitalization insurance. You can accumulate a pension for yourself while getting serious illness protection.

Finally, regarding children, accident insurance and critical illness insurance can be considered first, and if the economic conditions are good, education funds and the like can be considered again.

Of course, the above is only for your reference, and you should decide according to your actual situation when buying.