Income and expenditure income statement income item amount expenditure item amount wage income 6.5438+0.00 million yuan living expenses 300,000 yuan fund income 90,000 yuan child support fee 50,000 yuan car fare 50,000 yuan travel expenses 50,000 yuan alimony 40,000 yuan total income 6.5438+0.09 million total expenditure 490,000 yuan net savings 600,000 yuan financial management goal: Financial analysis of the education expenses of his son in Britain after 6 years. Mr. Qin's family is in a stable period, with stable income and strong risk tolerance. Because of high income and strong sense of financial management, we have basically completed the purchase plan and car purchase plan, and the main financial management goal in the near future is the children's education plan. Because the children's education fund is the most inflexible in time and cost, that is to say, parents must prepare the education fund when their children should go to school, so the children's education fund should be planned in advance. Mr Qin wants his son to study in England. At present, the cost of studying abroad in the UK is about 200,000 per year, and the present value of the required funds for studying abroad is 600,000 according to three years' study abroad. Moreover, the tuition fees of higher education have increased year by year, and the increase rate is generally higher than the inflation rate. This expenditure is a phased high expenditure, so it is necessary to make preparations in advance, otherwise it will be difficult to bear the high expenditure at that time. According to the preliminary calculation, the present value of education funds for Mr. Qin's son's junior high school, senior high school and studying in the UK is about 750,000. Because Mr. Qin's family savings rate is high and his asset structure is good, he can basically use his current savings and future savings to complete the accumulation of education funds. Mr. Qin is the main source of family income, and the income structure is mainly wage income. We should pay attention to prevent the risk of family income interruption. At present, neither of them has purchased insurance, so it is necessary to plan insurance as soon as possible.