在珠海工作的小辛是一名外企白领,29岁,刚结婚不久,妻子比他晚两年工作,两人供职于同一家公司的不同部门。结婚时,小辛和妻子的积蓄并不多,囊中羞涩的他们只能向父母求助。小辛的父母拿出50万元,帮他们在市区首付购买了一套90平米的二手房,小辛每月目前还需要还贷3500元,尚有17年才能还清。目前,小辛年薪为10万元左右,妻子年薪7万元左右。由于结婚后两个人用自己的积蓄购买了一辆八万元的小轿车,因此目前每月的生活开支加上养车费用,需要至少5000元,再还完房贷的月供,所剩就不多了。小辛和妻子均有单位所上五险一金,目前家庭活期储蓄5万元,另有9万元的股票投资。小辛希望能与妻子早日摆脱“啃老族”的身份,并为今后养育孩子做一些储备性的理财。 Xiao Xin, who works in Zhuhai, is a white collar foreign worker, 29 years old. Shortly after her marriage, her wife worked two years later than he was and both worked in different departments of the same company. When married, Xiao Xin and his wife’s savings are not many, cash-strapped, they can only seek help from their parents. Xiao Xin’s parents come up with 500,000 yuan to help them in the urban areas down payment to buy a 90 square meters of second-hand housing, Xiao Xin monthly still need to repay 3,500 yuan, there are still 17 years to pay off. At present, Xiao Xin’s annual salary is about 100,000 yuan, and his wife’s annual salary is about 70,000 yuan. As two people after marriage bought a car with their own savings of 80,000 yuan, so the current monthly living expenses plus the cost of raising a car, you need at least 5,000 yuan, and then pay back the monthly mortgage, the remaining is not much It’s Xiao Xin and his wife have a unit on the five insurance a gold, the current family savings of 50,000 yuan, and another 90,000 yuan of stock investment. Hsiao Hsin hopes to get rid of his wife as soon as possible, “eating the old” identity, and for future raising children to do some of the financial reserves.