Baohong industry | 6 financial management models at different stages of life

Think that financial management is a lifelong activity , Will accompany every stage of life . And the economic situation of families at each stage 、 Ability to earn income 、 Economic demand and daily focus will be different . such , The policy of financial management will also be different , Therefore, we need to adopt different financial management strategies for different stages .

Baohong industry is a wealth management company that provides diversified investment and other transaction services for users , To provide customers with safe and reliable 、 High quality and convenient trading services , Has extremely rich experience in international financial markets , And provide customers with personalized investment solutions , Help customers achieve their wealth goals .

1、 Youth celibacy

From homework to marriage , It's usually 1-5 year . At the moment, the income is low , More consumption . This period is self-improvement , The big period of self financing . The focus of this stage is to acquire talents in the future . The financial situation is property reduction , Maybe it also includes debt , Even negative net worth .

2、 Family formation

It refers to the period from marriage to birth , It's usually 1-5 year . This period is the primary period of household consumption . Fiscal revenue added , Life is stable , The family already has certain financial resources and basic daily necessities . Improving the quality of family life generally requires large construction costs , For example, buy some more advanced supplies ; Families who borrow money to buy a house need more money .

 

3、 Family growth period

It refers to from the birth of a child to college , It's usually 9—15 year . At this stage , Family members are no longer added , The age of family members is increasing , The biggest expenditure of the family is health care and medical expenses 、 Preschool education 、 Intellectual development expenses . Together , With the children's self-care can be enhanced , Mom and dad are energetic , And accumulated a certain amount of work experience and investment experience , Capital contribution can be greatly enhanced .

4、 Children's education period

It refers to the time when children go to college , It's usually 4-8 year . At this stage , The cost of children's education and daily expenses have increased sharply , The economic burden will generally become heavier .

5、 Family maturity

It refers to the children during their homework , A time before mom and dad retired , It's usually 15 About years ago . At this stage , Own homework ability 、 Work experience 、 The economic situation has reached a peak , The children are completely independent , Liabilities are gradually reduced , The focus of financial management is to expand investment .

6、 Retirement period

During this period, he retired until his death . The primary content of this period is to spend your old age in peace , Contribution and consumption are generally preserved .

This is part of the ordinary family life cycle . Such an approach is not perfect , Because we didn't consider single parent families , Childless families . Refer to the above measures , You can also distinguish your common life cycle .