“We do not expect substantial inheritances from either of our families. Should we be saving more each year?” (Photo subjects are models.) - Getty Images Dear Quentin, My wife and I are both 40 years old with three young children. She is a doctor and partner at her practice. Because of this, we are able to put more than the standard maximum into her 401(k) each year (typically about $60,000). I also max out my 401(k) at the standard maximum. Between our two accounts, we have about $1 million. We are putt ...

Core Insights - Insurance plays a crucial role in family financial planning, helping to mitigate various potential risks and ensuring financial stability during unexpected events such as accidents or illnesses [1][2]. Group 1: Types of Insurance - Life insurance provides a significant payout to beneficiaries upon the insured's death, helping to maintain the family's financial stability and cover expenses such as children's education [1]. - Health insurance is essential for covering medical expenses related to serious illnesses, alleviating the financial burden on families during hospitalizations and treatments [2]. - Accident insurance offers financial compensation for injuries or fatalities resulting from accidents, covering medical costs and providing economic support to families [2]. - Property insurance protects family assets against damages from natural disasters or theft, ensuring families can recover financially from such losses [2]. Group 2: Insurance Planning - A well-rounded financial protection system can be established through the strategic allocation of different types of insurance products, which complement each other to safeguard family finances [2]. - When selecting insurance products, families should consider their economic situation, the ages and health conditions of members, ensuring that the chosen insurance meets their specific protection needs [2].

搭建家庭财富金字塔 合理的理财规划对每个家庭都至关重要。但财务规划不是简单地积攒资金，也不局限于单一的投资行为，如购买房产或投资股票和基 金。理财规划是一个全面和动态的过程，它要求我们深入了解家庭的具体需求，并根据这些需求不断调整家庭的资产配置。 在经济下行的浪潮中，家庭财务规划早已不再是"锦上添花"的选择题，而是关乎生存质量的必答题。收入增长放缓、物价波动加剧、 失业风险上升……这些现实问题正让越来越多的家庭陷入焦虑：如何在不确定中守住基本生活保障？怎样通过合理配置资产抵御风 险？又该如何为未来积蓄力量？ 经济下行期的财务规划，核心在于"稳"与"活"的平衡。一切策略的底层逻辑，在财经作家杨轩的《保卫钱包：家庭财富新方程》中得 到了系统性解答。他提出，真正的理财不是盲目追逐高收益，而是通过科学规划实现"风险可控、需求匹配"。或许从这本书能找到你 家庭财务规划的"定海神针"。 本文选自资深天使投资人、财经作家杨轩作品《保卫钱包：家族财富新方程》的第二章《搭建家庭财富金字塔》 图2-3：马斯洛需求金字塔 图2-4：家庭财富金字塔 有了这个模型之后，财富管理问题就变成3个子问题，分别是用多少钱满足日常开支的流动性需 ...

Group 1 - The new threshold for affluent families in fourth-tier towns is estimated to be between 800,000 to 1,000,000 yuan in savings [3] - The cost of living in fourth-tier towns is relatively lower, with housing prices around 500,000 to 600,000 yuan for a decent home and cars costing around 100,000 yuan [3] - Education expenses for children are significant, with various classes and potential costs for school district housing adding to the financial burden [6] Group 2 - Elderly care is becoming increasingly important, with medical and living expenses for older family members being substantial [6] - Daily living expenses, including utilities and food, can accumulate, and there is a growing demand for improved quality of life, which requires additional spending [6] - The definition of affluent families should not solely rely on savings but also consider the quality of life and family happiness [8] Group 3 - The pursuit of wealth should be balanced with personal circumstances, emphasizing the importance of setting realistic goals and improving financial planning [8] - The concept of affluence is evolving, and individuals should focus on their own definitions of a fulfilling life rather than strictly adhering to financial benchmarks [8]

Core Viewpoint - Life insurance serves as a core pillar of family financial planning, acting both as a risk management tool and a vehicle for long-term wealth transfer. Consumers often face challenges in selecting reliable insurance companies and products due to the multitude of options available in the market [1] Group 1: Information Sources for Trustworthy Insurance - The official website of Ruida Life is a crucial channel for obtaining information, providing insights into the company's history, culture, and various insurance products, including their features, coverage, and rates [2] - Regulatory department websites serve as reliable sources to verify Ruida Life's compliance and regulatory ratings, helping consumers assess the company's operational stability [4] - Financial media and forums offer diverse perspectives on Ruida Life, including reports on significant events and product launches, although the information may be subjective and requires careful evaluation [4] Group 2: Consulting Professionals - Engaging with insurance agents or brokers can provide personalized insights into Ruida Life's products and services, tailored to individual needs, but it is essential to choose qualified and reputable professionals [5] - A comparison table highlights the pros and cons of different information sources, emphasizing the authority and comprehensiveness of the official website, the objectivity of regulatory sites, the timeliness of financial media, and the personalized service from agents [5] Group 3: Consumer Approach to Insurance - The process of selecting life insurance is not merely a binary choice but involves a deep dialogue about trust and professionalism. Companies like Ruida Life can offer differentiated solutions to consumers [5] - Consumers are encouraged to thoroughly review policy terms, including coverage responsibilities, exclusions, and cash value curves, while considering their health status, family structure, and cash flow characteristics to achieve a transition from risk coverage to quality living [5]