The monthly income of Mr. Zhao and his wife is nearly 10 thousand yuan, with a 4 year old daughter.

At present, they have about 200 thousand yuan.

Analysis: lack of clear financial goals is often the main reason for the divergence of partners.

For example, one of the spouses is not moderate in their consumption. Simple accusations can not fundamentally solve the problem. But once they realize that the decrease in savings brought about by the increase in consumption will directly affect the realization of a future goal, such as buying houses, planning education funds for their children, and accumulating these specific targets for their own pensions, it is easy for them to form a consensus with the other half and consciously reduce consumption expenditure.

Suggestions: 1. For families to spend their daily living expenses, couples can set up a public account for expenses.

At the same time, each can own its own financial account.

2, similarly, a common investment account of a family can be established. Investors can choose some moderately risky and widely dispersed investment products.

For example, open-end fund is a good choice.

The proportion of mutual investment accounts can not be too low. Generally, more than 80% of the family's investment funds can be guaranteed.

3, and the remaining 20% of the funds can be invested in high-risk, such as stocks, bond funds and so on.